This Millennial REFUSES TO SAVE MONEY OR PAY TAXES

[@CalebHammer]

Graham has stumbled about the Joe trilogy

[@kylem2010GT]

Graham you gotta start the Joe Trilogy at the beginning! The 580% interest loan is legendary!

[@susanclaire901]

The Graham/Caleb mashups are epic! Caleb, you tried your best with this guy Joe but I'm afraid he's beyond redemption.

[@matthewengman5180]

you both should do a video together!

[@tylerwilliams844]

I listen to all calebs videos while at my construction job😭 it’s a addiction and I love it, it goes Caleb graham caleb graham and it gets me through the day🙏🏼

[@simonmorris746]

Get your self a health audit fat boi

[@PeacockRhino]

Honestly some people are beyond being helped if he won’t listen to Caleb’s advice.

[@delbomb3131]

Nah, people respond differently to feedback. There's a way to get this guy sorted out, just hasn't found the way for him

[@triple_gem_shining]

He's a bum

[@TheLastCin]

@@delbomb3131 nah he's just a loser who will never grow.

[@MadisonFalcoFoods]

@@delbomb3131therapy is first because he does not value himself. You have to hold value on yourself to change behavior for your own benefit

[@mauao1]

Remember...this was his third visit to Caleb and he still refuses to do anything! Shame that he was taking up an opportunity with Caleb that someone else could have benefited from.

[@1019lms]

Feeling young but trapped in an older body isn’t an in between phase. I’m 55(F) but feel like I’m 30. It never goes away.

[@joshsickles1163]

This is almost exactly like an old roommate I had. Always had a story why it was reasonable to be in his situation. Loved to blame others for his laziness. He would make lists, and then say he had to complete them in order, when they were in an impossible order. Didn't track his taxes. I really wished him the best, but it was dragging me down trying to help him. My favorite was when he blamed me for his lack of motivation because my success dragged him down. Still a good friend of mine, but it was healthy for me to have him move out.

[@hankschraderontheshitter5593]

I have a mooching ass friend living with me too it's such a frustrating situation

[@daphne10120]

Sounds like my brother

[@joshuab1707]

Joe doesn't need a financial coach, he needs a life coach. There's so many things about his work ethic, victim mentality, and obliviousness that are in the way of him being able to follow any sort of financial plan that limits his lifestyle.

[@kreedonandrol]

I was thinking the same thing

[@lesterparker1594]

Victim mentality is a big issue with our generation. I just don’t get it.

[@sw6951]

He’s showing a lot of symptoms of depression. I hope he gets help

[@RolandKoller90]

The help is him starting to get healthy by exercising and eating right. Being a huge pile of fat does nothing good. When you get your fitness in order you are in better shape to make good decisions.

[@sw6951]

@@RolandKoller90 Yeah getting fit doesn’t cure depression. Many fit people are depressed and make bad financial decisions.

[@MrNaberz]

He's just lazy, depression is just an excuse used by everyone nowadays for everything to not feel accountable for their actions/bad decisions. He doesn't want to get off his mom's card because he is lazy, doesn't want to go through the process of calling his mom and getting her to take him off the card.

[@MrNaberz]

@@uok6216 ok buddy keep blaming everything on depression

[@Crazy09starkillor]

@@MrNaberz go back to school bud lmao

[@courtneycampbell8496]

Graham: I feel like a 50 yr old at 32 Graham: He's only 32. Anything is possible.

[@thenoblegoat7895]

You're the only person on KZbin who when I hear talking about how someone could turn there life around and be rich I actually believe them. You say it with so much conviction but not in a scammy way

[@elizabethfoss99]

This is so exciting. One of my favorite KZbinrs for years, finding one of my newest favorites, and I get to watch both of them reacting to the same financial messes 😃

[@seanh8546]

It's actually common for most people to feel like they're still 24-25 since that's when our brains stop growing. I've heard from many people over 50-60 that they really haven't changed since their 20s

[@deancorleone]

Here is an interesting detail Graham, that feeling where you are older but younger ... never goes away. I'm 42 but still feel younger as does everyone i know

[@TheOnlyIchiban]

I remember one episode with this guy, he took out a loan where he was paying interest payments more than the initial principal itself, ridiculous!

[@mikeyserrano9748]

23% interest?!?! I thought 6.2% on my car was crazy high holy sh*t

[@MysteriousFuture]

I thought the 4.99% on the car is pretty high, if they quoted me 23.8% for a car as final interest (I’m leaving) 😂

[@LoopWorthy]

Graham's guilty pleasure is Caleb Hammer's channel and that's OK 😁

[@jimmiejohnson2146]

Hey, Graham. Yes, I too have watched Caleb's channel. Very informative. But honestly, I like how he approaches the subject, no never sugar coats it. Its more like tough love. You have to wake them up or they will keep going. It does take alot to open up to stranger showing them how bad it is..

[@daynadream]

please do an iced coffee hour episode with Caleb 😭

[@bestechYtBotBH]

The excuses this guy on the today's Caleb Hammer show is incredible. It was making me feel stressed, lmao 🤣 all excuses, max blame push, 0 accountability. That's his motto...

[@tu6166]

If I had to get a dollar for each time he mentioned his lost badge 😂😂

[@alex1vid]

... the losing your work badge thing to me and equating that to money is wild to me. People lose things. Even car keys. It happens, it's not intentional - just can't be a habit. So you figure out how to get a new one. I've forgotten my badge at home (left in yesterdays pants) and even just lost it (maybe clip breaks...). I just got a new one or a temp one for the day. He's kind of saying he just doesn't show up when it was lost? I really don't get it.

[@terriplays1726]

If you are at a point of mental stress, even small events can break you. What is objectively a minor inconvenience becomes a life event.

[@rolfthewolf42]

Currently teaching a personal finance class for middle and high schoolers and this is motivating. Haha. I think he will eventually get it together. He has the knowledge and resources, just needs to flip that switch. Change often happens slowly, then all at once. But also the guy should probably be seeing a therapist before a financial advisor. There's a great video by HealthyGammerGG related to this topic titled "I Watch Your Videos But Never Change My Life."

[@monstersquad13]

Haven't seen your page recommended in a while, till a short popped up about a woman ditching some child support by going to a lower paying job, but this was a good find at a good timing for me. At around 2:55 that's gold. I'm currently at a good paying career and I noticed if I just keep telling myself I can spend more as I make more while not taking care of necessities first, I'm going to stay in that paycheck to paycheck scenario, have to fix the leak first. Good stuff man!

[@SubjectRandom21]

There are some people who actually need discipline in their lives. They need to be told what to do, things that are in THEIR best interests.

[@CARTUNE.]

The "IRS" doesn't want to ruin lives...lol

[@sarahsuddarth1435]

Since I’ve seen Caleb on your channel I’ve been binging him as well. Just can’t look away

[@LyricalMirage]

i really appreciate your hard work Keep uploading nice videos We all love to watch your video... You are a very good person And you make good quality video 👍❤️👍

[@TheGrahamStephanShow]

Thank you so much 😀

[@mrfarina1474]

"and then i got lazy" BOI YOU BEEN LAZY

[@mikenormandy9250]

I have to blame this kids parents for his excuses and enablement and after 18, the continued enablement from them OR (since he makes it like he doesn’t like his parents) his laziness and the lack of motivation to do anything. This loser would do whatever he could to do NOTHING if he could. Sad. This is the future.

[@CompoundInterest1982]

Pron addiction is no joke. Kills focus, drains energy, and Joe reminds me of my Dad. Talking the exact same way. Excuses for everything.

[@13nlsc]

Wait until you turn 50 or 60. You think we are old, but we are the same- my 25 year old self in older body. I didn’t realize this until I got older.

[@donaldlyons17]

How DARE HE OF ALL PEOPLE TAKE OWNERSHIP OF ANYTHING WHEN HE GOT LUCKY HIMSELF?

[@nicolehernandez11]

Lets be honest,.. this guy is living Graham dream...Looking through stranger financial statements. lol

[@regtalkswealth]

The IRS has entered the chat...

[@a_bravestrong]

As someone that used to have an addiction as well as WAS terrible with money blaming others becomes the go-to. Also as Graham (and pretty much every motivational speaker/guru/therapist) says, take responsibility, stop handing yourself and your future over to blame.

[@donaldlyons17]

Well all those people likely run businesses and don't talk honest about the fact they are always looking at the numbers and likelihood when making decisions. So not if you have very different conditions it might not work but the system rewards wealth at the expense of all the other factors so.... There is a difference between blame and good reasons for something....

[@nateguerra319]

Caleb’s channel is addicting!! Haven’t been this enthralled since kitchen nightmares

[@dachicagoan8185]

Billion dollar companies refuse to pay taxes too. Where is the uproar about that?

[@stevenpike7857]

They do it legally because they bribe the lawmakers to pass laws in their favor.

[@Jackknife-TV]

I need to reach out to this guy I'm a 1099 truck driver and pretty much I just don't pay my taxes I skirted it a little bit because I was having problems truck breaking down huge bills figure I would make it up..... Then it just got worse Then I took out an SBA loan instead of buying just a brand new truck I bought a used truck paid off my back taxes as much as I could because I didn't want to take out a huge SBA loan and then yet again use semi truck blows up.... Whatever savings I had left in my business and in turn selling my pickup truck I just bought a brand new semi truck with $4,000 month payments and yeah I'm still in tons of debt with the IRS and now can barely pay the SBA loan half the time so great

[@domingodelgado3944]

I like people like this because it makes me feel better about my situation 🤣

[@posthardcoresinger]

This guy does not have 60 years left at that weight. Very unlikely. Dude needs to get PISSED at himself and use the anger as short term leverage.

[@tsholom9042]

Are you going to make a video about the current bank runs going on? Looking forward to that.

[@zay.405]

This is 90% of America right here people.... Making us look horrible. Absolutely despicable.

[@annieworroll4373]

Calebs videos have helped me get a little better with money and buckle down more with preparing for a programming job(I could easily jump 2-3 times my current pay, another year or so till my BS degree is done). Still a lot of progress that needs to happen but between him and the political situation re being trans in a red state is lighting a fire under my ass.

[@CS-qc7np]

IRS interest is compounded daily. The guy in that video had so many stories that I feel like he’s just saying💩.

[@jenshark4]

Your not old until you get into your 40’s. That’s when things really start to hit hard. Enjoy the next few years while you can. 😊

[@TheFirstRealChewy]

I can agree with that. I watch TV and remember when I was young and the people on TV looked old. Now the people on TV look young.

[@Jill_Horvath]

Congratulations on a million subscribers Graham & Jack!!

[@Bluebird22200]

Lol his story for losing his savings was a $150 work badge. Sir you should have saved more than a measly $150

[@TheFirstRealChewy]

Even if he lost the only $150 he saved, he should be trying to save it back.

[@extratrashvideos6404]

What is funny is that the 600 irs agents are gonna go after people like this. 😂😂😂😂

[@japanesecinema6736]

So... My wife works retail and a lot of people are living like this. I understand they are trying to make an example of him, but Graham's mindset is just not a reality for most people. Ive tried to make smart financial decisions and I still am in a lot of debt. Its just not as easy as people make it seem. People just dont talk about their finances and are not honest about their situation.

[@duckesque]

Poor dudes clearly depressed. He needs a social worker to help him find some of these services and he needs some kindness in his life

[@petitecherie501]

CLUELESS. Very sad that most of the guests are unwilling to cut discretionary spends and change their unaffordable lifestyle even temporarily.

[@TheOverThinker92]

He is 32, looks like 42 but acts like a 12 years old

[@dlproductions9574]

Graham, you know exactly what an addiction is... your brain makes all those connections with real estate numbers. you are just as addicted as anyone else on any other substance. you put your addiction into a healthy place vs a bad one :)

[@Thesakuraharona]

My parents have elected not to have taxes taken out from their paycheck before, but I have only seen them do that under extreme cases. It is legal, but you do still have to pay them when tax time rolls around. They have never gotten in trouble for this (but then again, they filed their taxes and paid them lol)

[@singerkgreen]

Never evade that which you can avoid...

[@dumbtex6107]

I just found out about this guy and I absolutely LOVE his videos!! A ton of good tidbits and advice here and there plus keeps me on my toes.

[@teresayeates3437]

His pay increase is going to be gone as soon as IRS decides to garnish his cheques.

[@daveassanowicz186]

"Why do you need to detail your car?" Hard cut to a Jiffy Lube commercial. Perfect!

[@cashoutkevin]

ONLY 23% INTREST like it could be way more lolololol wtf brooooo!!!!!!!!!!!!!!!!!!

[@loezakidd3149]

Graham, you think Caleb can hit 1million subs? Let’s get him up there team!

[@zackattack0895]

Graham would be shocked to see the sheer number of people losing money on cars these days, paying 35% of their income to 'stunt' on people

[@authorthomasmiller]

I stoped gambling cold turkey I took a lighter when I thought of gambling I burnt my self

[@shaunmoorefinance]

Yeah I watched this video on Caleb’s channel. So funny. Keep aiming to remember you your age Graham lol.

[@kyleboyer8542]

Addictions don’t work like that. I was addicted to marijuana and nicotine, one day I decided to just go cold turkey and quit. It was hard and I got a lot of cravings for like a week after each but then it was gone after that.

[@triple_gem_shining]

Caleb is the best

[@kindredkey]

Painful watching the first time, not sure why I'm watching again. He's so infuriating! - Here for Graham

[@dorenewhitacre1908]

My 32yr old son owes the IRS $3200 he says hes going to wait until they let him know how to make payments. I told him they will just take his bank account and put him in federal prison. Im scared for him but he sees no problem. .SMH

[@millabasset1710]

That's not a lot of money, they're going to garner his wages.

[@priestessmikokikyo77]

Im speechless right now HE WAS USING HIS MOTHERS CARD! that is ILLIGAL! did he steal that card from her? their is no way in heaven his mother would allow that! if you use someones card and they ask for a written signiture on a piece of paper and the signitures do not match YOU ARE SOO SCREWED!

[@natalia_00123]

Basically you can't help someone who doesn't want to help themselves.

[@patriciacallejas9803]

If you are paying 743 a month on a car payment you better be sleep in it!

[@shubhamdeokar6942]

Why do I watch The Graham Stephan Show? Because I like the way Graham thinks, his psychology is awesome

[@TheGrahamStephanShow]

Thanks!!

[@chornathome]

It's like he's yo-yo dieting, but with his finances

[@kucingmiumiu854]

I wonder if he has undiagnosed adhd? This is eerily similar to my best friend. His situation got a lot better once he got some treatments

[@triple_gem_shining]

32 is prime time baby. Gotta feel bad for those 30 year old bums 😄

[@aznsumthing]

Sell the car. Buy a bucket.

[@FJX716]

It’s so annoying how this guy is laughing this off like it’s not serious. No ambition, no planning and blames everything on other people while he spends money on stupid things, takes out 21k in loans and doesn’t pay taxes on anything. The biggest loan I ever took out was for a car and it was nowhere near 21k.

[@bufftammy735]

Ride sharing and food delivery apps need to educate people on 1099's. The about of people I have educated myself about 1099's is insane.

[@AMHlocal]

Wow I glad I learned personal finance, accounting, and have an annoyingly strong work ethic. I have done the Dave Ramsey method of cutting out unnecessary spending and I’ll have my car paid off before the end of this summer (2023), I’m building my savings account that I’ll be using as a new car fund, and keep a very close eye on my accounts.

[@classicallytrainwrecked]

“Just call up the IRS..” bro, have you tried to call the IRS?? Or get ahold of them in any way!? If you can do so, please inform me as to how I can do this!

[@yohannesabate9925]

Congrats on million sub, Thanks for you i am really getting into realstate

[@lesliexcaro]

My mind the whole video “i don't care who the irs sends i'm not paying taxes” 😂😂

[@israelmills7442]

That was painful to watch That dude clearly doesn’t want to be helped because he’s making jokes about almost everything He needs to grow up! He seems like the type of dude you see rambling on Elon Musk and Warren Buffet posts about how “capitalism is bad! Socialism is good!” This dude won’t turn his life around Caleb wasted his time at this point I got no faith in him.

[@jacobruiz4287]

PLEASE COLLAB WITH CALEB

[@RobinTaylorMusic]

Haha I listen to Caleb's videos at the gym too

[@17h127]

Addictions can be gotten over somewhat quickly without help. It's called cold turkey. There's still cravings for weeks to years, but it's mostly behind you fairly quickly. Not everything can be immediately stopped, some addictions need medical help to get over without serious risk of not being alive. Watching stuff is not one of those though. You can just set that one down, though like most things the sucesss rate is pretty low.

[@ClayOnEarth]

Honestly, I found this so disturbing that I book marked it to watch when I am feeling unmotivated. This dude is full of demons.

[@Byokku2013]

Gotta file your gig job taxes too. People are crazy lol

[@betweenyellowan_dred]

I think he recognized the algorithm.The people that rode scooters all this time are gonna be able to buy autos probably by next year for pennies on the dollar. But u assumed we had a bad attitude. It's strategy. This guy is not going to be burnt out or contractually obligated when he needs to act. It's a very weird situation. Normally a positive attitude is recommended. Because in the recent past all downturns quickly resolved back to growth. And negative attitude drags one down long after downturn is over. . It remains to be seen which strategy is best. And deflationary pressure is building in various sectors like Auto and gold is falling. Seems to be shaping up like the deflationary collapse of great depression. You know when deflationary pressure came after inflation and rigging years. Don't get too down on yourself because you got a great attitude. But imagine how miffed you would be if this guy is your boss in ten years.

[@redgun421]

bro caleb hammer and graham stephan is the greatest crossover of all time. you gotta go on his show !!

[@johnsmith-fz5pz]

the problem is. the guy is lazy and doesn't give a 5h1t about life etc. that is the main problem

[@wandat7275]

I want Caleb to do an audit of the lady who spent $70 on cupcakes making $15,000 a year as a barista

[@austinjpg]

Graham you gotta do something like this with someone that needs help, shi would be hilarious 😂🤣

[@theelevatedmale4758]

He could save hundreds of dollars by switching to a diet

[@Zekara_]

Hey gram, is there ANY CHANCE you could turn these videos into audio only on either a different channel or Spotify? I would absolutely love listening too these videos while doing stuff haha thanks!

[@indiakxoxo]

Lol I use the free vacs at the car wash where I live to keep my car clean and vacuumed. There are trash cans there too to get rid of trash. Lol I love Caleb lol 😂 his reactions are too much lol

[@blakekogut3045]

When you have one year's of expenses saved up in and out of the bank 50/50 you will sleep soundly at night and be able to get some of your time back you can always make more money but you will never get your time back most people only live till their late 70s thats pretty short relatively speaking

[@hugowells656]

I cant believe how Ignorant he is. He has blown my mind for all the wrong reasons 🤯😯😄

[@User84030]

This guy doesn’t want help. I’ve known people like this - he’s stuck in his early 20s phase thinking it’s cool/normal to live paycheck to paycheck, with no legit career, probably wants to go out drinking/smoke weed all the time and wondering why his buddies (who have a wife and kids now) don’t want to anymore. There’s an underlying depression which is why he turns to addictive things to get the dopamine hit and distraction. Hope he works out alright but he won’t with his ‘life is a joke just keep laughing’ attitude.

[@SezmoistheWorst]

Trying to out crazy the joker is going to end with audits, debt, and jail lol.

[@BladeStar420]

I feel like a 17 year old trapped in grown man's 24 year old body and I feel old as dirt! You're not alone

[@josephlieggi4026]

Paid way too much for a 2012 Honda Accord $22K for a car that is worth $6-$9K max I see one for $12K but super super low miles