Throwing Away His Financial Future For A Wedding | Financial Audit

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Chapters:
00:00 Jobs and Incomes
01:30 International Immigration troubles
04:27 Making it in the US
07:00 Spend spend spend
12:39 MORE BS SPENDING!
16:00 Going into debt for a wedding…
18:12 CREDIT CARDS
20:30 Non stop excuses for eating out
25:12 Credit Card debt…
27:57 REALITY CHECK
31:30 You need to budget!
35:23 CLEAN THIS UP
36:20 Will you actually do this?
40:40 This is what actually matters
43:26 Possible deportation…
46:17 Hammer Financial Score
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*Disclaimer: neither this video, nor any content produced by Caleb Hammer should ever be considered investing advice or official financial advice. All content is made for entertainment and educational purposes*
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Sponsorship and business inquiries: [e-mail]
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My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you're feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it's completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.
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Sponsorship and business inquiries: [e-mail]

[@TipsyRoo]

I desperately want an episode where Caleb audits himself, and it’s edited so that he is sitting on both sides of the table.

[@David-B]

I think it would be more fun to have another finance youtuber audit him

[@Madkalibyr]

Haha oh my gosh, maybe next year on April fools lol.

[@Madkalibyr]

@@David-B if we can find another finance KZbinr that’s legit! I had to unsub from Spencer Cornelia and Scott Schafer

[@thepearlswirl]

That would be hilarious 😂

[@XenRiddle]

​@@David-B Graham Stephan could do the audit!

[@davidthosome623]

I'd wager that this guy getting out of Venezuela and Colombia and into the us via debt is an EXCELLENT tradeoff. Welcome to the US brother, here's to you getting out of debt

[@burymeinjhenny918]

I’m imagining a immigration officer telling him “Welcome to America Brother, don’t feel bad, everyone is in debt here, you’ll fit right in” when he arrived to the country

[@usaconjuan]

Thank you so much for the reality check, I really needed it Caleb! My wife and I are now watching it together!

[@o0laieta0o]

Suerte con todo Juan! Podéis resolver todo esto rápido y concentraros en invertir y crecer después. En nada estaréis en una posición mucho mejor.

[@skidiggydiggs4529]

Good luck! You got this! ❤

[@usaconjuan]

@@o0laieta0o gracias 🙏🙏

[@Hewrin88]

Rooting for you man!

[@rashell6673]

You got this my friend!

[@designthedays]

He's come a long way! With his immigration process to finding a good paying job making $135,000/year. Good job to him!

[@nly4607]

Yeah it's almost like companies are required to hire a quota of people who look like him or something

[@simonbelmont5801]

​@N Ly Yeah it's almost like he's worked hard to gain the skills needed to obtain a high paying job, and you're bitter because you have not.

[@SuperbChicken]

@@nly4607you act like they could hit the quota with just any guy that looks like him😭 they still need to be qualified

[@Dre2Dee2]

@@SuperbChicken Hrmm... no, actually they dont need to meet any qualification, companies can hire whoever they feel like. You have no idea what youre talking about at all

[@nly4607]

@@SuperbChicken You understand that the standards are lower for people who look like that at? Every. Level? Going back to high school right? Only way they are getting into a lot of universities and programs. Looking at the meteoric rise in medical malpractice lawsuits correlation with affirmative action doctors entering the medical field is staggering

[@veautyfull]

When my mom and I immigrated to the US from Venezuela, the best thing she did was not open a credit card. She had a debit card with a checking/savings acct and she cash budgeted EVERYTHING. She was extremely disciplined and we never went without anything. Love my mama ❤

[@T.S.000]

Glad to hear that everything worked out for you & your mother. The thing is that, if your mother is "very discipline" with her budgeting, spending, and paying bills, then she could have been able to take advantage using the credit card. As for me, I try to use my 3 credit cards on, pretty much, everything (I do not use the debit card - look up advantages of credit card vs debit card). And at the end of the month, I would pay everything off. For the last 10-15 years, I have been getting a few thousand dollars back in cash rewards from those 3 cards every single year. And I have never, once, paid for annual fee, interest charge, late fee, or any other fees. Additionally, my credit score has been pushed to well over 800.

[@veautyfull]

@@T.S.000 that sounds awesome! I think her hesitation came from not completely understanding the financial system here in the US and like Juan mentioned, the uncertainty of wether or not we would be able to stay in the US (so owing any kind of debt would put us in a very difficult situation).

[@jonboy9734]

The best thing I did was open a credit card account. I went from non existent credit to 800 in 2 and a half years.

[@geo865833]

Your mother is a champ!

[@naomirachel9161]

Extremely wise mom.

[@irr1sss]

He made it out of Venezuela. It might take time but he is gonna 100 percent going to get through this! He is resilient af

[@mymai5859]

Yep...& he knows how to focus on getting a 4 Yr UK course down to 3 yrs in a foreign country to save money. I'm impressed.

[@Nerdificationing]

Juan wins the award for MOST LIKEABLE guest

[@miapestano766]

I hope we get another financial audit in the future with his wife. Juan has shown that he’ll work hard for a better life, so there’s little doubt that he’ll make it to where he needs to be! Good luck to him and his wife :)

[@CalebHammer]

That would be great!

[@Dre2Dee2]

"We tried to get Juan back on the show, but he was deported to Venezuela due to fraudulent immigration documentation."

[@kungfukennyaintnobodyprayi347]

Let me wife you up.

[@richard02-12]

@@Dre2Dee2 Damn bro

[@nineteenfortyeight6762]

@@Dre2Dee2 "He now has health insurance again."

[@SpoonHurler]

People complaining about "why don't they do it the right way" need to listen to this guys story. The right way is absolutely insane and run by the same people who couldn't make a functional home page in two years. I really hope he gets his green card, it should NOT be this hard or expensive.

[@haleymist09]

I loled at "can't make a functional website." So true.

[@eegernades]

Yep. Been daca for years now. I am not allowed to apply for a green card.Ive been in the US since i was 3 months old. I essentially onnly know america and thats it, But i ddont have any rights everyone else has.

[@chuckieischosen9714]

Shut up with your political BS! Most Americans don’t even have the money to go somewhere else 😂 even if they tried.

[@Dre2Dee2]

How is that my problem, as a taxpayer? Apply somewhere else, he doesnt HAVE to live in the US. Rediculous.

[@calebpeters6267]

​@Dre Ruiz that's suck a dick thing to say. We shouldn't have open boarders but damn, help people who want to come here. This dude will probably be a better citizen then any white trash rural American.

[@maclaindrake2891]

His immigration process sounds as crazy as some of these debts these guests have. Made respect for him to get this far in it.

[@javier5688]

Immigration is pain. I’ve moved to a foreign country twice and you are never get to relax. I couldn’t imagine as an asylum seeker.

[@nly4607]

​@@javier5688 Well yeah asylum seekers are exploiting a loophole where they should go to mexico or any country on the way from venezuela

[@aleeh2109]

@@nly4607 No, they are not.. not all countries have same specifications and it also depends if you are arriving here via land or if you arrive with a tourist visa. Not all asylum processes are the same

[@nly4607]

@@aleeh2109 sure everyone is a special snowflake case...sounds like they had money and options besides coming here and adding to the strain on our social services

[@Outworlder]

Unfortunately, his process is not all that remarkable. That's the kind of hardship a lot of people go through. Employment authorization in particular is a huge source of pain and financial hardship for many.

[@tarasmith8314]

So nice to see a complete range of people in all sorts of positions with income and debts.

[@Jason.Goldstriker]

its pretty crazy to learn that there are folks making 500 a month and some making 10k a month and the one making 500 will come out on top because the 10k a month person has no self control

[@SrKinko]

@@Jason.Goldstriker it's absurd how easy it is to launch yourself into debt and be living paycheck to paycheck

[@skycaptain95]

​@@Jason.Goldstriker brother 500 a month is less than half the poverty line. There's no reason for anyone in this country to be making so little unless they are underage or severely disabled. Any part time job will get you much more than that.

[@MeghanGraceDIY]

As someone who opted to do a small “court house wedding” in lieu of a big wedding to save $$, the pressure to spend spend spend for your wedding is INSANE. We felt so bad over not being able to invite all the people we wanted and are hoping to have a bigger party when we are financially able and it won’t put us in crazy debt

[@Crijoe]

Good for you!

[@richardmyers7847]

Why even get married if you're still in debt? Way to start off

[@MeghanGraceDIY]

@@richardmyers7847 Getting married has a lot of financial benefits, and not just tax related

[@michellecd4722]

@Meghan Grace DIY You're smart. I did a small DIY wedding but was divorced in less than 4 years, our dating years were longer, he did me a favor in hindsight though ;) I think everyone should have a small intimate wedding and a HUGE celebration years later if they last that long on a special anniversary.

[@MeghanGraceDIY]

@@michellecd4722 yup we’re hoping to do a 10 year vow renewal and that way if we have kids they get to be there!

[@Milweb1]

I badly needed you 7 years ago! But all good now. This is great education for the younger generations that I wish someone taught me when I was in my 20s. Keep up the great videos!! ❤

[@CalebHammer]

Absolutely! Thank you

[@aran7teen]

This has to be the first episode where I have full confidence that the guest will sort this finances out. In fact, with his wife’s income added when she gets one, I think he can easily get this done in a year. Especially considering what he’s already overcome immigration wise.

[@woodside4life]

I was thinking something similar. It’s the first guest where I’m rooting for them from the beginning to end.

[@lindajohnson.]

I agree!😊

[@elise12345]

Juan & Amanda, we are fortunate to have you here in the US, but my condolences over all the stress and uncertainty during your emigration. You can do this!

[@allisonisis]

Caleb, please come up with your own financial app so I can hear notifications of you yelling at me when I make poor financial choices.

[@dakotareid1566]

This would be awesome, have it pop up every time you purchase something making you justify the purchase. Gets McDonald’s App message: was this necessary? You: yes App: explain why You: was hungry App: eat at home

[@allisonisis]

@@dakotareid1566 😂

[@SolitudesSanity]

If there's 2 things I can take from every video: it's either stop spending money or get a better paying job. That's what every video boils down to, and it makes me feel better knowing that finances are in fact, NOT rocket science.

[@beekiebookie452]

Caleb at 22:00, he doesn’t have Amazon Prime, that was PRIMERICA a MLM insurance company… 😢

[@Kero7th]

Yep nothing like pyramid scheme life insurance to take advantage of immigrants.

[@aleeh2109]

As soon as he started talking about his immigration process I knew exactly where he came from, because.. same. Coming here and having to wait months for a work permit and depend so much on having everything done on time is incredibly stressful and also costly, I think people born and raised here in the US truly have no idea of how difficult it is. To add on that knowing a lot of the people that move to the us have no idea how this country works and make so many financial mistakes and wreck their credit so early on. I know he will figure it out but it so much hard work, kudos to him for putting his situation out there for all the people that have no clue how hard this process is and how expensive it is.

[@basednwhitepilld]

It shouldn't be easy.

[@aleeh2109]

@@basednwhitepilld not easy.. but it shouldn’t be this difficult.

[@jakeleisure8326]

​@dhutsass it shouldn't be a glorified shakedown available to the richest immigrants either

[@dildoshwagginz8284]

​@aleeh2109 stay in ur own country stop coming here and fcking ours up

[@dennissvitak148]

I was married in December, 1976. I was in the Air Force, and wore my uniform. My bride wore a $99 dress, off the rack at Sears. Ring was $49, for a 0.02 carat diamond. You could barely see it. My mother-in-law made a beautiful cake, and we were married in their living room. I paid $20 for a US Air Force Reserve Chaplain...Chaplain Willenbring. The ENTIRE wedding cost us $168, and we have been married now for 46+ years. This is about $3.60 per year of marriage. I would like to get it down to $3 a year..this will happen in 2033.

[@dennissvitak148]

I have made it up to her, since.

[@mymai5859]

So good yield to investment ratio? 😊

[@sailorscorpio27]

Thank you for having a Latino immigrant guest on. So many people are in this situation and I just know this video is going to help with clarity and help us feel seen.

[@suzubee9602]

Yeah. Definitely hit home, especially with extra debt for immigration stuff

[@dildoshwagginz8284]

Immigrants are ruining this country Goo back 😊

[@iXmetalXi]

The fact he’s only 3 years in the us and making 110k a year is crazy to me. I’m comfortable making 50k, but damn and being this hard in debt. I grew up poor, over spending terrifies me, it’s crazy seeing people come here and get in that hard of a financial situation

[@alexandrab4933]

This episode really highlighted how trauma can affect financial health. Wishing the best for Juan and his wife!

[@ianidas300]

This guy is such a trooper though. I love his tenacity in getting his education and using it effectively

[@Joe_Serious]

Caleb, please do some research into Primerica, and contact Juan with an update. It is an MLM.

[@TheVikingblonde]

Yep, my cousin got roped into working for them. Didn't turn out.

[@moneyonmymind4594]

Yea plsssss Caleb

[@lazerfreeze7023]

@@TheVikingblonde they came to my school and I heard they were a risky company.

[@deviantaj]

I’m always debating seeing if I would like to submit a request to go under the audit. But would love to see some couple interviews and some folks who are actually doing well and highlighting the decisions and actions they’ve taken to do so! Keep up the good consistent work Caleb!

[@dylanairmet3676]

If only I could convince my shy girlfriend to come on this show! Caleb has helped me so much

[@dvassi123]

I tried and Caleb said not at this moment so I unfortunately won't be on here haha

[@popyNcorny]

@@dvassi123 did he say why? It’s weird that he won’t do it because so many people are asking for it

[@dvassi123]

@@popyNcorny I'm going to assume because of my situation. I offered him to help not only get audited but at the same time be able to offer some services/tips I used to get out of debt because I am debt free now. I live in Dallas and told him I'd come see him. The email just said thanks but at the moment no thanks

[@JackWorkz]

@Dylan Airmet How exactly has he helped you? Staying out of debt and being responsible is common sense, if people were just responsible this show wouldn't exist or be needed

[@skidiggydiggs4529]

Props to the Hammer Financial Video Squad for the upgraded visuals. Looks very polished and sophisticated. 🎉

[@InsideCenterDani]

Yes! It just keeps getting better. 🗺️

[@w8ting4fri]

I can't imagine how stressful this guy's situation must have been/continues to be. Props to him for keeping his head up. He should be proud of making it this far! I know he'll get it together once he has the time to get on his feet.

[@_2315_]

Stressful? Not even close homie is making more then your average US citizen 😂😂 there is thousands of illegals asking for asylum just so they can stay in the US. How manny illegals do you know who are making over $100,000 off the jump. 🤷🏾‍♂️ Something doesn’t seem right but I’ll be quiet. 🤫 AND now he has debt. Hahaha true American.

[@dildoshwagginz8284]

Deport him 😊

[@Noidzor]

Damn what are the chances, my parents and I immigrated from Venezuela in 04 and moved to Palm Bay in 07. Started as an asylee as well, best of luck to the dude. It’s a long process but as long as you follow all the rules it’s straight forward to get your permit/citizenship.

[@usaconjuan]

Thank you, paisano!

[@kendrickpfaff4805]

this one hits me the moat out of any of calebs video’s i’ve seen. juan is such a hard worker and fighter from all the stuff he’s dealt with in venezuela, to going thru immigration, to going to college while having multiple side hustles. respect🙏🙏

[@sallyuNKY]

I got married in a living room with 20 people there. My dress was $75 off the rack. I am just as married (and for longer! ) than anyone else. Spent less than $500 total.

[@carofantastic]

Shout out to Juan and his family because the immigration process is so long and grueling and they have come so far . I really hope he’ll be able to obtain citizenship so he can have more opportunities to thrive . Rooting for Juan and my fellow immigrants ❤

[@christieplemons2023]

Just a heads up! The “prime” on that one card wasn’t Amazon prime, it was “primerica” which he said was his life policy.

[@MrJojomylove]

I think he is doing well and seems like he will make great progress on what he is already doing.

[@guitarheartnsoul1]

I'm currently in a similar situation in terms of the wedding, (took out a personal loan to fund it) and I've been regretting starting the whole process. I don't regret my choice of marrying my fiancee, but just the whole wedding ceremony. It's insane how expensive and honestly predatory with how many expectations society puts on us and how conditioned girls are to have amazing fairy tale weddings since they are young. We have a solid plan to get everything taken care of, but it is definitely setting us back a couple of years in terms of retirement etc.

[@michellecd4722]

@Michael Olbrys just do NOT have kids right away whatever you do, if yo u want them, I never had children, but create a solid foundation on all levels first & you'll be OK in later years. Course, my ex bailed by phone & I waited til my mid-40s to get married, so it's never guaranteed.

[@berri6015]

Seems like this is gonna be a good one! Thanks for not having the same people/situation always on! CALEB TO THE MOON 🚀

[@elenag6277]

caleb on the road to one million let’s go!!! so proud of you bud, all the effort and attention really shows. you’ve also been helping me a ton without knowing. had no concept or urgency with personal finance until watching you and i’m finally getting my stuff together, may even get to retire in my 60s thanks to you!! keep it up 💕🥳

[@SofieKokelenberg]

He started off by owning his own mistakes and ignorance. Plus, all the hoops he’s had to jump through with immigration, administration, emotionally,… I’m rooting for them ❤

[@Wilshaw007]

Watching here from the UK. Can honestly say the education and awareness shared on this channel is excellent.. there are many people around the world that need a wake up call to the life long issues associated with poor money management. Education systems just don’t seem to be able to teach the young and the old the good basic principles shared on these videos. Many thanks for the content.❤

[@mariacamilamontenegro2683]

I LOOOOOVED the graphics and visual explanation of this one!

[@dotKevinWong]

Rooting for Juan! Just helped a family member through the immigration process - a pain and I can relate. Juan and his family will have an amazing future! Welcome to the US!

[@27Killermike]

People stop putting in two-week notices when you have vacation or PTO they do not have to let you take it, and they just can accept your registration that day.

[@AppaTalks]

Yes my daily does of Financial Audit! Thank you for the interview :)

[@orenalbertmeisel3127]

Another Caleb Hammer is exactly what I needed now. Thanks

[@donnawalsh]

I desperately want an episode where Juan comes back after a year or so and gives us an update. I'M excited for their future!

[@jordanjenkins7460]

Really liked the new score breakdown!!! The evolution of your content is excellent, just started watching and there is so much value in what you do. Thanks from up in Canada, Caleb!

[@nickybutt9733]

This guy is definitely on the low range of financial chaos. Smart and humble guy will do well.

[@Bigdog5400]

Really respect this guy for coming on the show, best of luck to you, Juan

[@hppirategirl17]

Saving this listen for my drive to Houston to see the Eras tour! Caleb, thanks for the consistent content!

[@helenagastier]

He should get a new life insurance that isn't an MLM company that loves to take advantage of people immigrating to the U.S.

[@runningdebate2670]

This guy is really intelligent, I am sure he will get out of this extremely quickly. With what he's gone through in his life this will be nothing to him. Goodluck!

[@realfinalsay]

I have to say this is one of the most interesting episodes ever!!

[@barbienostrant11]

Really enjoyed this one! Good luck to him and his bride!

[@hands_bear]

love when Caleb starts reading off the expenses!

[@jesseszteinbaum]

First time I've seen someone on this channel score themselves a 2/10 and Caleb also score them the same at the end. Hope Juan makes it - he's what America is all about!

[@maclaindrake2891]

Happy Friday, hope you guys have been crushing it in your financial goals!

[@101exex101]

Rooting for him!! Caleb, you videos get better each time!

[@salli2883]

These videos you make are incredible, I have a suggestion that you could have a giant whiteboard where you draw the person and you write down everything they have (cash, assets), their income, and then you write down all their debts (car loan, credit card debt, mortgage) and then there monthly budget. This could allow anyone you help to visualize their entire situation very clearly.

[@lra]

The grit and determination of this dude is admirable. Respect.

[@1994ramfan]

Great guy, he'll do amazing in life! Just keep going and you'll get through this!

[@quentinalvarez8651]

Awesome content Caleb you’ve helped my family so much and I look forward to all of your videos 🤙🏻🤙🏻

[@quixomega]

Juan seems like a pretty normal guy in his situation, it can be very hard to make it when you're swimming up stream. But he has a lot of potential to reverse his fortunes if he makes the right moves. You can do it Juan!

[@elenaacosta482]

The Catholic Church does not charge for wedding ceremonies. (Although it’s customary to pay the clergy a small stipend of $20 a pop.) There is no reason to spend $15,000 on a wedding!

[@constitutionalcarrot3720]

Hammer-man here crankin' OUT the content!

[@Gioskywalker1]

I watch your videos religiously Caleb! We love you!

[@christophervehon9554]

Great guy! Hope nothing but the best for him and his wife ❤

[@salazarboxing]

Shoutout all my immigrants wanting a better life ❤

[@usaconjuan]

❤

[@yvetteduran8617]

Caleb, show getting on a phone call with them and their creditors/lenders to teach them how to negotiate a settlement and negotiate down their credit card interest.

[@UnknownNev]

Thank you, Mr. Hammer! 🔨

[@noeliacerino1922]

Hey, Caleb! I love your content and I’m always watching your videos on my downtime. I want to thank you for always emphasizing therapy and improving mental health on a daily basis with multiple videos. As a current student, majoring in psychology with a specialization in clinical/counseling psych (hoping to achieve my dream of being a therapist after I finish my masters degree), I’m always on board with improving mental health and getting the help individuals need on a daily basis. Thank you for bringing light to such a taboo topic.❤️

[@hennemml]

We're rooting for you, Juan!

[@stevenboddy4232]

Thank you for making these videos. I'm 30 and I got really lucky with finances. My grandfather and father taught me everything. Nothing in middle or highschool was explained ever, there isn't real good advice out there until the last few years. People you do business with make it seem good where as it's a bank or anywhere. You're totally unbiased and that's extremely hard to find these days

[@macauleylewis3787]

Caleb please start numbering your videos: it's so difficult to search them across platforms. Awesome video as always! Love from the UK. 🇬🇧

[@matthewcoleman5002]

Dude you are producing content nonstop

[@MylesHSG]

So typical of the UK government to kick this guy out when he could have been a positive impact on the country and economy

[@MsGechi77]

Bravo Caleb. You change lives. 🧡

[@vishyav]

This is a really important story ❤

[@linkfain1]

I would love to see follow up videos for some of the people he's audited to see how well they stuck to the plan and the outcomes.

[@jackfrostiez8009]

the breakdown of the hammer score visualized is very useful!

[@Extreme_Gardening145]

I love the score breakdown

[@cristianarana4277]

YES LOVE THIS PIE CHART IN THIS EPISODE

[@jameserickson5372]

Rooting for Juan and his wife. I’d rather be in debt here than anything in Venezuela. I hope they are granted asylum and can officially start a new life.

[@samsims100]

That's not the "well wish" that you think it is.

[@thiskenyonslady]

We are rooting for you, Juan!

[@berjemijares205]

Yeeiihh My peopleee! We got thisss🎉🎉 🇻🇪 Step by step! ❤

[@usaconjuan]

❤

[@JoeNBurns]

Hey Caleb (or the editor), at the end of the video on mobile when he is giving the score, it can’t be seen because the video end cards cover up most of the screen. You may want to do something a little different so we can see the scores 👍🏼 Loving the content

[@Corndog1]

The graphics game has improved tremendously! lets go! Good video

[@Pinoyguitarist5]

Immigration isn't cheap or free. My wife came here 3 years ago as a nurse with a green card, and the processing fee's we still owe to her Aunt(who runs an agency) and its around 8k. Luckily, her Aunt isn't rushing or pushing for the payment otherwise we would be in the same point. She never needed to get a immigration lawyers or anything like that as well, which is fortunate. I was born and raise her in the US, so I never understood how expensive and cumbersome the immigration process was until I met her. On a side note: for those non-religious: The Church wedding is what start life as a married couple for Catholics. Without a church wedding, catholics are not considering married because its not recognized in the church. While it makes no financial sense, from a religious sense having a church wedding gives them the peace of mind to know they are truly married. I will note, they could have had a simple church wedding with a simple reception, so not making excuses for him going into debt for it. ***Please do not attack me or debate religion with me, I did not mentioned this to start a religious debate just putting some context is all as a catholic myself***.

[@anthonylozano8035]

Catholic here. Had a wedding for 1500 dollars. Not 15000. Same in the eyes of God

[@Pinoyguitarist5]

@@anthonylozano8035 yes, not defending him bc he could have kept the wedding to something minimal and to what they could afford. Just understand possible why he had to have a church wedding(not sure how religious he is or he real reason, just guessing).

[@607AAG]

Full faith he will do this. He’s overcome a lot, this will be just a speed bump!

[@thepearlswirl]

3:38 i love you for putting maps. I know so many ppl who have no idea where countries are especially in the 🇺🇸 it’s so shocking to me sometimes. I’m actually doing the same as him getting my masters in the UK next year✈️

[@marcellom]

Oh man. I got married a couple years ago and it was no joke. Thankfully we got some help, I was prepared to take out $0 in debt for what was basically a giant party. A very fun party, but a party.

[@ivanpadilla4479]

I appreciate the change in the scoring at the end

[@TheSdaj]

Hey Caleb! Hope you are well. I have learned a lot from your videos and they are a real eye opener. Thankfully none of my spending habits are as bad as the ones highlighted in most of your videos, your audits have helped me see ways I could end up in a spiraling financial situation. If I could suggest one thing, possibly also bring on a few people that would have a 10/10 financial audit, I think that would help a lot too as I think a lot of people that suddenly start making a lot of money could really learn how someone making that much or more actually lives a comfortable yet financially responsible life. Thansk!

[@graceharrison9861]

¡Buenas suerte, Juan!

[@athrunzala798]

My wife's family is from Colombia so they fled back in the late 80s. Hope everything works out for you!

[@shelbyhartsock1560]

I am addicted to this channel!

[@gabrielalbahaca3006]

What a great story and episode

[@Lovestravel888]

Thanks for adding the chapters!

[@zephyr2000V]

Que felicidad ver a un compatriota venezolano!

[@unique23itiswhatitis]

Great advice hope he listens and good luck to him and his wife.

[@tommytron2000]

Just turned my bell on Awsome work mister I hope your channel hits 500k