Why does Caleb dress like a 10 year old? Caleb, do you own any collared shirts?
@CalebHammer
Жыл бұрын
Collared shirts? What is this, a regional bank?
@guyinshirt_
Жыл бұрын
pin of shaaaame
@DrDjones
Жыл бұрын
@@CalebHammer Wear a Hawaiian shirt next time, it's almost Summer, bud.
@yourethewooorst6982
Жыл бұрын
Put on a three piece suit for the next video and show ‘em, Caleb.
@purewonka
Жыл бұрын
@@guyinshirt_ That's Caleb's note to self to remind him that he is an adult and may want to start dressing like one. Maybe the shirts are a ploy to appeal the the youtube demographic, which is mostly kids.
@cam7248
Жыл бұрын
I respect the hell out of anyone who comes on this show. I don't care what their excuses are, it takes a lot of self-acceptance to agree to come on and do this
@kristentrohkimoinen
Жыл бұрын
Yes, thus guy I give props to. Others, not so much. They inky came on because they are attention seekers and weren't actually going to try to change
@cam7248
Жыл бұрын
@@kristentrohkimoinen agreed there have been some bad eggs, but for 95% of them they seem like very genuine people
@NotoriousBBB
Жыл бұрын
Their*
@haleymist09
Жыл бұрын
Agreed. I'd like to come on and up my financial game, but I'm a private person and worry about how the *very few* critical comments will affect me.
@CalebHammer
Жыл бұрын
Absolutely!
@magicsp3lls
Жыл бұрын
Proud to say that since finding your channel in February, I began aggressively paying on a $7000 personal loan balance and just paid it off! Now just a couple more months to pay off a credit card and I’ll be debt free for the first time in years. Thanks Caleb 😊
@amandalangworthy7162
Жыл бұрын
Congrats! 🎉
@stephanieweeks3489
Жыл бұрын
Congrats babes, I’m in the process of now of tackling a lot of debt!
@bendakstarkiller3407
Жыл бұрын
congrats to you, gotta be pretty chuffed to get it done in 3 months
@sjordan7085
Жыл бұрын
Excellent!
@watermelonwonders5213
Жыл бұрын
Nice!
@clo2303247
Жыл бұрын
Caleb is the disappointed dad energy we all need to be better.
@SkepticalZack
Жыл бұрын
I’ve been pretending he is going to look at my account next month for a while now. I paid off a CC and completely eliminated eating out. Thanks Caleb
@primroseplants
Жыл бұрын
My father passed right before my 17th birthday so I never got the financial education and guidance he could have provided. He was the "money guy" in our family and he'd hate to see me struggling. Thank you Caleb for helping me get my sh!t together, I know my Dad would appreciate it 😅
@ImVeryBrad
Жыл бұрын
Haha
@shynepo1196
Жыл бұрын
So he's your daddy?
@TheLucky17
Жыл бұрын
Lol, too funny
@JOyo246642
Жыл бұрын
Legend has it, Carl is still sitting at the table, to this day, telling stories.
@peachygal8856
Жыл бұрын
Omg stop 😂😂😂😂😂
@bkluvvvvv
Жыл бұрын
Lmao 😅
@amyeastman8764
Жыл бұрын
Omg I spit toothpaste all over my iPad. Shouldn’t have been brushing my teeth while reading this! Lmaooooooo
@nowthatsurban
Жыл бұрын
He just. Wouldn't. Stop. Talking.
@tsavdarwallace
Жыл бұрын
Right?! Very clever
@rrrobyn
Жыл бұрын
As a former employee of the bank where this guy has his checking accounts, there’s a regular account that will not charge him any fees if he has $250/mo of direct deposit. There’s no reason he should have 3 of the account type with mandatory fees (it’s an account meant for students anyway)
@juanrosales4422
Жыл бұрын
The overdraft fees would’ve got him. The $4.95 was actually not bad for his situation.
@rrrobyn
Жыл бұрын
@@juanrosales4422 since there’s no more NSF fees, if he set his overdraft to decline all, it would be the same as having the safebalance account he has now
@Pisschangoatsmeller
Жыл бұрын
It's because he is mentally ill and thinks he needs to use these different boxes because it deters him from his spending issues
@Driver8takeabreak
Жыл бұрын
There are so many free checking accounts out there, it's silly to be paying for any.
@Xxbubbly10
Жыл бұрын
My bank refunds me overdrafts fees if I message them especially since I can’t fix it right there from another account
@jackolimb6145
Жыл бұрын
This guy is the classic example of making things harder for yourself
@grizzzy
Жыл бұрын
100%
@amygreene1991
Жыл бұрын
Absolutely, I am exhausted just listening to him explain his accounts
@reginayfavors
Жыл бұрын
Exactly. He had $42K in graphic design and went down going the estimator route. Strange.
@0x037
Жыл бұрын
@@reginayfavors It seems like he gave up too quickly on the graphic design route.
@reginayfavors
Жыл бұрын
@@0x037 That is exactly what I was thinking about because he made more there, especially considering he loved it, than with the estimator job. We always think we are not making enough money, and then get off that route and get on another thinking that we will get more. Never works. Stay and build from where you are. Then reassess income potential.
@claramente4238
Жыл бұрын
Today I paid the last of my debt and put some money away to start my emergency fund (around 10% of my yearly income right now). I also was able to get a higher paying job this year after listening Caleb's advise on increasing my income. I can't describe how nice it feels to know that from here I'm on my way to not go through the same struggles I see my family going through all the time. Unfortunately I can't share this with them as they would think I'm "rich" now, since I have money left to save at the end of the month, and start asking for money to help with everyone's "emergencies", so I share this victory with you guys and my husband only, don't tell anyone ok?
@aplusmerchant2281
Жыл бұрын
This dude is really good at making things 10x harder for himself. He’d literally turn 1st grade arithmetic into rocket science. Wow
@shelbycohen2019
9 ай бұрын
Oh man that gave me a genuine laugh
@ArellanoKartel
Жыл бұрын
Since I started watching Caleb, your channel encouraged me to get rid of my debts! I paid off another credit card yesterday, so I’m one step closer to debt free! Whenever I try to make purchases I imagine Caleb looking at my statement and calling me out on stupid spending 😂
@ssgus3682
Жыл бұрын
Keep it up. I started the year owing over $12,000 on my credit card. I am now down to under $8500.
@kfitz192
Жыл бұрын
You're both debt busting rockstars!!! I've been debt-free for 4 years and it feels great. It took about six months to stop having anxiety/panic about incoming first of the month bills and mortgage payment. It takes time to retrain the brain. But it's so worth it. Rock on!
@meishamom7298
Жыл бұрын
Teresa - keep it up; when you said “imagine Caleb looking at my statement” gave me a chuckle - so true! An inspiration! Build a better life!
@flyingdutchman9053
Жыл бұрын
@@kfitz192 I got an honest question as someone who never had debt (except for student loan which is paid and has good roi). Did you never get trained by your parents or learned basics of interest in school? I learned the most about finances from my parents and self studies.
@ImVeryBrad
Жыл бұрын
Killing it, good job!
@BulldawgBowen
Жыл бұрын
Found this Channel like a week ago and can’t stop watching. Caleb is like a more relatable Dave Ramsey for millennials
@M_SC
Жыл бұрын
Hopefully he’s not as sexist, arrogant, and corrupt as him
@mithicash1444
Жыл бұрын
Dave Ramsay created a cookie-cutter program that everyone can do with the intent of not only helping people, but also monetizing it. Caleb does a much more personal 1on1 approach where he focuses on helping one person at a time, and utilizes youtube to showcase it to people. This works better for younger people, Dave works better for people in 40s and 50s that are at the tail end of the grinder.
@stajia4694
Жыл бұрын
@@mithicash1444 I do like Dave Ramsey and have learned a lot from him, but I think what Caleb does works better for most people. Dave still knows what he's talking about though on a lot of things(not everything tho)
@jonleibow3604
9 ай бұрын
Gen X here, I tried to get into Dave Ramsey but I found him dry and condescending. Caleb is relatable, he's brutally honest but he also shows empathy.
@dankus.memeokus4192
Жыл бұрын
Caleb I'm 19 and this channel has literally scared me into getting sober been smoking everyday for almost 7 years now. Recently I was spending 500 a month or more. Thank you my guy for making ne make an actual effort to change
@austintomkewitz3981
Жыл бұрын
Smoking weed or tobacco or anything for that matter isn't worth it at all tobacco hurts your lungs you gain tolerance weed makes you anxious paranoid hurts your lungs is waay too socially acceptable to the point of massive peer pressure and you still gain tolerance and so the projection of this expense will never have a cap on it don't even get me started on munchies expense because that's the cost of the food plus healthcare dental care and then risking losing your job if something happens and they drug test you
@jackolimb6145
Жыл бұрын
I'm in the same boat as you bro, I really only smoke wax so I'm spending about 150 a week. Trying to quit but I've been smoking since I was 14 so it's pretty difficult.
@sharonoddlyenough
Жыл бұрын
The average cigarette smoker makes 5 attempts to quit before it sticks. If you falter, try again. You are worth the time and energy to gain health.
@dankus.memeokus4192
Жыл бұрын
@@jackolimb6145 I got a case of beer and got drunk every night for a week don't recommend it but that really helped me through the first week when it's hard to sleep or eat without weed. Aside from that I'd just rather have the money. lighting up a 20 dollar bill couple times a day adds u0 quick😂
@dankus.memeokus4192
Жыл бұрын
@@austintomkewitz3981 I largely disagree on weed no different than alcohol especially in a legal state or country. U just need self control which I lacked so i stopped completely. There are plenty of ppl that have a healthy relationship with it
@Bobbaeee
Жыл бұрын
CALEB, thank you. I was 13k in debt, these videos helped me learn and acknowledge my faults and want better for myself. I locked down at the beginning of this year and have paid $700/wk since the start of the year. I’m on track to finish very soon and I couldn’t be more excited, im 22 and feel like I’ve been through so much and am ready to give myself the future I deserve.
@MyNameIsNotCraig
Жыл бұрын
That's awesome, congrats
@NoFlu
Жыл бұрын
Damn, 700$ a week is amazing. Congrats, hope you're out of it soon.
@Bobbaeee
Жыл бұрын
@@NoFlu I’m actually paying the last $900 today!!!
@NoFlu
Жыл бұрын
@@Bobbaeee Haha great to hear. Enjoy your freedom man
@Hellogoodbye417
Жыл бұрын
@@Bobbaeeedude that’s amazing! How is it now that you have so much more to work with now that it’s not going to debt?
@jjharrison4099
Жыл бұрын
Man college sucked for me because I worked ALL the time and almost never ate out unless it was paid for by a presenter at the college lol. I bought one dress during that time as well but I graduated with no debt and savings in the bank and these videos make me SO grateful for that. I didn’t even know how valuable that would be for my future self.
@AmandaRogersarock1988
Жыл бұрын
I was so grateful I did night school while working in the day. I did office admin certificates as I went in my 20's, paid cash up-front and kept working full-time in the day. I've done this twice, but have never had a student loan and it really helped my time-management and work-life balance skills.
@LOLZHAHANOTFUNNY
Жыл бұрын
You guys are absolute beasts!! I was lazy in college and ended with 26k in loans. Hustled for 3 years to pay them off and made the last payment when my daughter was a newborn in 2021. You guys took the harder in the short term, waaaay easier in the long term approach and that's impressive 🎉
@jjharrison4099
Жыл бұрын
Great job paying them off!! That take so much self discipline!
@LOLZHAHANOTFUNNY
Жыл бұрын
@@jjharrison4099 It was scary making that last huge payment when my baby was sooo little and it was close to 10k. But so worth it, that monthly payment was just holding our family back 😤
@Meetoon733
Жыл бұрын
I feel that! I did the same thing, worked all the damn time and did damn near no social stuff that costed money. I don't even know why I was like that in college but in grateful I was because I was able to pay rent and stay debt free through school
@bethanysmith9192
Жыл бұрын
As a teacher… I tell kids that learning a trade is an amazing path. College isn’t for everyone. My son is 19 and makes 85,000 a year in his trade! I wish kids heard this more in high school
@maestacy6745
Жыл бұрын
What kind of trade is he in?
@bethanysmith9192
Жыл бұрын
@@maestacy6745 he got his CDL (Commercial Driver’s License) and runs heavy equipment
@potato1084
Жыл бұрын
Trade school isn’t for everyone either
@alhen9023
Жыл бұрын
@potato1084 don't necessarily need to go to school. I got into the hvac trade by starting as a shop hand and working my way up. No school debt and I'm currently at $35/hr.
@bendakstarkiller3407
Жыл бұрын
good on you, certifications is a good way to go, get entry into IT at the service desk, pick up some cisco certs and move into network admin you can easily be at around 100k a year after a few years experience. Caleb is bang on the money for cybersecurity, as that is where the industry is heading, i would have picked up a cert in that too and shifted towards security but I got pregnant and decided on taking some time off career to bring up my baby.
@rickman17x16
Жыл бұрын
I don’t understand how someone could watch a few of these and not turn their shit around. I Felt guilty about buying a $1.24 coffee the other week. Also selling my car next Saturday. Life changing
@erickn7985
Жыл бұрын
Better question where are did you get $1.24 coffee 😂😂. Keep it up mate your on financial freedom
@Junk8
Жыл бұрын
@@erickn7985probably a gas station small
@brandonp2211
Жыл бұрын
I’ll give you a burrito for the car
@lstruggy
Жыл бұрын
I gave up Starbucks Jamba Juice Jarritos and Wingstop and sodas for good oh yeah I’m scared but I’m excited at the same dam time 🫣
@paulgustafson6697
Жыл бұрын
@@erickn7985 speedway coffee costs just under 2 dollars for any size and half the time they let me just leave without paying because they don’t want to ring me up 😅
@AliciaMcIntire
Жыл бұрын
"Sometimes, I don't have food at home, so I have to go out." Bro, if you can get to the drive-thru, you can get to the grocery store
@erickn7985
Жыл бұрын
Exactly like come on you can spend $200 and you have what you need for week.
@victoriaalicewestwood3558
7 ай бұрын
In the UK if you are desperate for a quick meal you go to the store and buy a ready meal for £2. It's so much cheaper than a takeaway and quicker. Even a £5 fancy ready meal is cheaper!
@MercurySmith-
6 ай бұрын
Ehh. I work 12 hours on midnights. People don’t always have the time & energy to cook
@viktorepifanov7138
3 ай бұрын
@@MercurySmith- So meal prep then. Or if you're that extremely tired just slam a sandwich, those things take less than a minute to make. If there's a will there's a way brother.
@vivianloney
2 ай бұрын
@@viktorepifanov7138Eh if I get something under $3.50 at the gas station or taco bell it is comparable to what I would've spent on the groceries for one meal. Plus if you eat something before grocery shopping you'll spend less at the grocery store on bullshit like snacks. If you have an addiction to fast food its different. But just looking at money alone the cheapest meal possible at a lot of fast food places (like the mcchicken & mcdouble 2 for $3) is close to what it costs to cook at home. Occasional fast food won't break your total food budget if you actually meal prep less and get less groceries, like anticipate Wed/Thurs I work 12s. I know I won't want to cook so I'll go ahead and only prep for 5 dinners this week.
@conbotstudios
Жыл бұрын
I'm stunned by how much people spend on food delivery services in your videos. It seems like it's crippling a generation of people in multiple ways.
@MrTuxy
Жыл бұрын
Dopamine, instant gratification with no effort.
@GENEXERHEXO
Жыл бұрын
Idk how people insist on using it the price when ur about to checkout is absurd, I used it in the beggining of it but got turned off by its total price
@johnengland8619
Жыл бұрын
I bought a little motorcycle (scooter style) and go and buy my own food.
@mollybrown4764
Жыл бұрын
I’ve been thinking about that!! I’m 26 and I NEVER get food delivered, but I live in a populated area so I don’t know if that helps. When I see someone on here spending so much on DoorDash I’m like… why?!?! It’s not quicker or cheaper!
@stajia4694
Жыл бұрын
Yes on food delivery and eating out in general, meals at home cost on average $1.50 a plate for my family(yes I do the math lol). Me being stay at home saves so much on food and child care! And not dragging our finances down with student loans and car payments
@rhythmtapper
Жыл бұрын
I switched to Mint Mobile last year -- one of my best financial-saving decisions. I have the exact plan I have before and went from $85 a month to $15. I pay $180 a year, all at once, and thus far I've not had to purchase more data monthly. That was a game changer and glad you're advertising it, Caleb. It was super easy to switch.
@attomicchicken
Жыл бұрын
I've been on yearly plans for year in Australia. Anywhere from 14 AUD to 20 AUD a month. I get discounted plans and either have the agent apply the Sim credit to my account or port out and back in to show myself as a new customer (technically it's for new accounts). Don't have to think about it for 1 year.
@austincollins6307
Жыл бұрын
Honestly mint is so amazing, the service throttles sometimes but definitely still worth the savings. I went from like 75 a month to 20 (also paid yearly)
@georgebunny1910
Жыл бұрын
First date with Caleb will be a financial audit at Panda Express 😂
@chesh1rek1tten
Жыл бұрын
I'd be down for that
@jenniferfriesen7691
7 ай бұрын
Financial responsibility is hella sexy.
@pensandshakers
6 ай бұрын
Mmm. Can we make it Central Market or HEB? Better quality food, not all that much more expensive.
@noahgraves919
Жыл бұрын
i need an advanced mathematics degree to comprehend Carl’s process of paying his bills
@MAD_KIOTTI
Жыл бұрын
I have 9 accounts but I only use 6 the other 3 have $8 each just in case I need to buy a Happy Meal my direct deposit is split between 4 accounts and I transfer money to the other two for a dog food fund and toilet paper and the other two accounts I use to pay off the overdrafts in the Happy Meal fund
@RemixerUltimate
Жыл бұрын
Honestly it was so confusing, I’ve watched him explain it twice and I still don’t get it. It’s like an envelope method that’s been sent through a blender
@gamerkev30
Жыл бұрын
@@MAD_KIOTTI"Happy Meal fund" LMAO
@charlottebrickey8842
Жыл бұрын
I have a mathematics degree and I still don't understand his system lol
@sjordan7085
Жыл бұрын
LOL, so do I!
@scruffyLG
Жыл бұрын
Caleb is the true definition of give a man a fish feed him for a day teach a man to fish feed him for a lifetime. And then all the viewers in similar situations taking notes and applying them. I want to see Caleb hit 1 million subs by the end of this year he deserves it.
@Helen_Magnus_
Жыл бұрын
Rod Swanson: "Give a man a fish, and you feed him for a day. Don't teach a man to fish, and you feed yourself. He's a grown man. Fishing's not that hard." 😂
@stementhusiast816
7 ай бұрын
Close! He's almost at 1 mil now!
@marvinharris8358
Жыл бұрын
Caleb’s fourth wall break when he mentioned e-harmony being a scam. 😕😂
@karenschwarze6391
Ай бұрын
That was hilarious 😂
@christinewatson1989
Жыл бұрын
These videos make me SO glad I had financially savvy parents. My dad told me "once you get into debt your life is pretty much over and you'll die penniless so don't do it" and I never did.
@Girl-co6dd
Жыл бұрын
Right! My dad said never get a credit card! Never had one and only spent money I actually had. Easy peasy. I had a school loan until my dad found out that a nearby hospital would forgive my loan if I work there after graduating. I am very thankful for the path my parents encouraged.
@imdva
8 ай бұрын
it’s a coin toss. my parents taught me nothing about personal finance, credit cards, loans,anything financial at all. I had to figure everything out myself. Have 2 cc’s no missed payments or carried balances. I do have school loans tho but all i can do is keep going and learn from my mistakes.
@CitadelEntity
Жыл бұрын
First thing I do on these videos is read the chapters and I’m always terrified and excited at the same time 😂🤯
@eliseg0001
Жыл бұрын
The chapters always make me laugh - they’re so dramatic but also true
@nikolasmartinez473
Жыл бұрын
600k in medical student debt would love to sit down for future budgeting plans with ya caleb since situation is unique. Love your videos.
@Kbru829
Жыл бұрын
Here's what he'll say,... Don't buy anything that isn't literally life or death necessary,... Get a roommate... Buy a bike. Phew. Good luck tho!
@Benedict00_ItchyManko
9 ай бұрын
Unique in what way
@Lw2736
5 ай бұрын
There’s an application to be on the show in the video description
@Supermoneygang12
3 ай бұрын
600k in student debt??????? How??? Buddy you’re completely fucked there’s no budgeting that could possible fix this 🤣
@rachellillard2417
Жыл бұрын
Thank you for these videos! I sold my car and paid off $18,600 in debt since I started watching you at the beginning of the month.
@ChiLe-bw1vv
Жыл бұрын
You’re doing so great!!
@GodsChosen69
Жыл бұрын
i paid off a trillion dollar debt in a week after finding his vids.
@attomicchicken
Жыл бұрын
@@GodsChosen69 Amen. Some of these comments are so hard to believe that I'm leaning towards bot territory.
@Mama2CDHsurvivor
10 ай бұрын
@@GodsChosen69if he sold his car, he absolutely could have paid off that much debt.
@tisi9756
Жыл бұрын
Gotta appreciate that he's trying his damndest to figure out the debts and all but man.. Everything has a story with this dude
@katelynbrown98
Жыл бұрын
Yeah, omg reminded me of a few of his other guests, like the guy in Colorado and the almost homeless guy. 😂
@KC-dr3cg
Жыл бұрын
I like this guy a lot and I really appreciate that he is trying even if he can fine tune things a little better after he talked to Caleb
@riggingpots3453
Жыл бұрын
Thank you someone had to say it
@elijimenez7710
Жыл бұрын
51:32 51:39 51:48 ridiculous
@atodaso1668
Жыл бұрын
I dont think any of them received any tough love growing up. They were constantly bailed out and it shows.
@lucasjustice7854
Жыл бұрын
Wow. This channel is something I never knew I needed. I’ve binged almost all your vids in the last week, I’m so hooked. I’m in a fortunate financial situation but you’ve got me to create a budget. Seeing how I should really be allocating my funds has been eye-opening. Congrats on the INSANE channel growth, you deserve it.
@CalebHammer
Жыл бұрын
Thank you so much!
@28-3MakesMeCry
Жыл бұрын
When I started watching this channel I though ‘this person has to be the minority.’ Several months later……..I no longer think that. Thank you, Caleb, for providing a service to your subjects and viewers that should honestly be required education in high school/ every level of college.
@happycakes1946
Жыл бұрын
Something like 2/3s of Americans can't afford a $400 emergency. It's the norm.
@stajia4694
Жыл бұрын
One third of Americans have less than $100 in the bank😑
@shroomssadow4981
Жыл бұрын
The close ups on Caleb’s disappointed face is killing me 😂😂😂
@zacplumb
Жыл бұрын
You were exactly what he needed at this point in time. Not letting him make excuses for his behaviour and go off on tangents. Great episode Caleb, and good luck to Carl!
@babycomo
Жыл бұрын
This guy had me at “eharmony took me to collections” like what? 😂
@drewbrown6517
2 ай бұрын
NEVER EVER sign up for an annual membership on a dating site
@skidiggydiggs4529
Жыл бұрын
I feel so badly for Carl. His story is very similar to my own, and I totally hear him on the student debt and budgeting struggles. Definitely appreciate showing relatable financial journeys.
@alexnadeau23
Жыл бұрын
I work in design and I've met a lot of people who have been basically scammed by some of these design schools. I constantly get targeted ads on my LinkedIn for Fullsail
@frodiesel0
Жыл бұрын
Nobody put a gun to your head and forced you to take on all that debt however you should take a hard look at your friends and your family and the social contagion of go to school you'll make great money it'll be easy
@HawtTuna
Жыл бұрын
I've been a graphic designer for almost 10 years now. So this hits a little close to home for me. I was paid like shit for the first 3-4 years of my career but I've been at my current company for the last couple of years and more than doubled my salary. Graphic Design and 3D work isn't anything close to a "niche' thing, if you have a good portfolio you can do really well. Design is competitive as hell but if he's as good as he says he can easily find a better job and move on up the ladder.
@carlosguerra1450
Жыл бұрын
Bro, this guy is doing Rocket Science to balance a checkbook, good luck to him but damn I need an advil now.
@stskatr151
Жыл бұрын
One of the biggest issues of overspending and the lack of budgeting responsibly comes down to how much “convenience” expenses add up. They are conveniences that people in these dire financial situations just can’t afford.
@rasheedb4762
Жыл бұрын
He seems like a very positive guy despite his circumstances and I get the sense that he's committed to a change. Best wishes to you, sir!
@xinminang291
Жыл бұрын
“Paid for the wedding of which the relationship no longer exists” 😂😂😂😂
@paninthedada
Жыл бұрын
Also, a word about the crunchyroll membership, if you're planning to cancel your crunchyroll membership, remember to call their desk since cancelling crunchyroll doesn't entirely get you off the hook - they're known to still charge you even after you pressed the cancel button on their page since they still have your info. EDIT: even though i'm a voice actor that loves anime, and i respect my anime va peers, i also want to value truth.
@CalebHammer
Жыл бұрын
Oh yikes
@SpoonHurler
Жыл бұрын
Yeah and even then get something in writing emailed to you with dates after you call cause they still might try to squeeze you later... That or cancel the card linked, set it on fire, travel to mt doom, find an oversized eagle......
@buckycollins7459
Жыл бұрын
Can confirm. Will never use that service again.
@Wutever
Жыл бұрын
lucky for me that didnt happen. im just surprised he still has funimation since chrunchyroll and funimation merged like idk 2 years ago now? funimation doesnt even get new shows anymore.
@carsnanime4719
Жыл бұрын
He should be cancelling the funimation account initially, they were acquired by Crunchyroll a few months ago so he's getting double dipped currently. All Funimation shows have been moved over to crunchyroll
@GarrettB254
Жыл бұрын
I hope nobody ever steals this guy's stapler.
@BayBerry1337
Жыл бұрын
Caleb, I am probably the opposite of an expert (20 y.o. living at home for college with his parents who are both accountants) but these videos really help me on my commute everyday, because instead of flipping out with road rage, I can flip out on 6% interest on student loans 😅 Thanks for helping so many people, having this knowledge will certainly help me out once I move out on my own. Take it easy, Mr. Hammer!
@owned323
Жыл бұрын
Dude, I am absolutely addicted to your show and see why your channel has exploded in subscribers. I wouldn't be surprised at all to see you on network TV with your own show. Love the content, love you, keep doing it man.
@apleebee2
Жыл бұрын
I'm so happy that you mentioned Mint Mobile!! I've been with them for about a year. $180 for an entire year vs getting destroyed for NO reason by Verizon? AND a Christmas card from Ryan Reynolds? Can't beat it. 🥳
@mikecif4123
Жыл бұрын
The Christmas card is the best part, no joke.
@junioradult6219
Жыл бұрын
Works great if it works in your area. Deep in the colorado mountains theres only about 2 or 3 reliable networks
@ryanpeck3760
Жыл бұрын
My wife and I are 'comfortable' - but Caleb's channel has definitely inspired me to be way better. Thanks for doing what you do!
@heylookitsmegananne
Жыл бұрын
Just starting this video but as a graphic designer myself with a degree in it, he could be making SO much more in a design position. I make almost double with like 7 years of experience (I'll be turning 27 in a few months so I'm assuming we have the same experience level.) I know I could even be making more, but I'm just comfy in my current job lol He just has to keep looking! There's also so many insane paying remote design roles right now. His skillset with 3D is super valuable and I think he's really underselling himself!!
@BeeTimesTwo
Жыл бұрын
That’s what I thought but I’m not in that field. He just kinda gave up assuming he couldn’t find better pay 😒
@SpoonHurler
Жыл бұрын
Yeah, if he has an average portfolio he can make 60k easy in any metro area... So I have questions. Edit: Full Sail... So no portfolio. Sigh.
@kungfukennyaintnobodyprayi347
Жыл бұрын
@Brianna Boyer dude sounds like he gives up easily. Motivation is lacking. He could still be looking for another job while in his current job if he wanted it enough
@thekay3284
Жыл бұрын
I want to thank Caleb, I paid off my credit card. I had enough in savings to do so and still have a decent emergency fund. You saved me $500 in interest because I was going to slowly pay the credit off this year. Pretty much, I just did it and thank you.
@swicheroo1
Жыл бұрын
There's something really disordered about this person, beyond his messy money situation. The career flip flops are a red flag. Especially leaving one desk career to work 'with his hands'...only to immediately end up doing the exact same desk career again...only to accrue debts for certifications...and justifying at least some of the career moves by invoking a pay ceiling. If he had stayed in the career as a graphic designer, he would have gotten much further along financially...
@sierrasteele0224
Жыл бұрын
I was thinking the same thing. A gym membership would have been cheaper.
@sarahmc8309
Жыл бұрын
What a lot people forgot in this situation this can actually one from childhood and this why his behaviour is very all over the place !
@NewscasterNews4
Жыл бұрын
Probably the fact that he doesn’t listen to anybody other than himself speak. Any advice to this guy goes in one ear and out the other while he thinks of the next tangent he’s about to go on
@Astronomicle
Жыл бұрын
This guy is proof that being a know it all doesn’t get you very far in life
@katelynbrown98
Жыл бұрын
😂😂😂
@potato1084
Жыл бұрын
He’s not a know it all?
@dominicpedrazzini9755
Жыл бұрын
Hahaha I genuinely got annoyed listening to him talk 😅
@ADF200
10 ай бұрын
I skipped past him blabbering his excuses for 30 min straight
@streeetlamp
Жыл бұрын
I've always said I'm awful at math but good lord this dude is blowing me away with not just pausing and taking a minute to run some numbers. Seemingly everything he does only hurts his situation more and unable to learn from the constant mistakes. Also have been a designer for 10+ years and totally true if you have a good portfolio of work I could care less about your education but I will certainly have a pause if I hear you have a design degree but its from a diploma mill and not even a BFA. Being a competent designer and 3D modeler is not niche at all either. It should actually open up a lot more opportunities. His work must be not strong at all because I'm baffled.
@tammyb.8981
Жыл бұрын
im I'm glad someone called him out on the niche statement. It's obvious that he's been too lazy to market himself (ie job hunt).
@Gidenkidenk
Жыл бұрын
Sounds like this guy just watches anime and eats mcdonalds instead of working after hours to improve his craft
@SkyyThePuffin
Жыл бұрын
@@tammyb.8981 Maybe its the content that he is making that is for a niche audience, rather than the skill being niche.
@mymai5859
Жыл бұрын
Couldn't care less
@bendakstarkiller3407
Жыл бұрын
yes, i thought it was strange too. My sis works in graphic design and earns waaaay more, she doesn't have a degree, she just did a short course to get the basic skills and just kinda polished her work through experience. But these days she contracts out rather then a steady job, it pays significantly more.
@codycasey4906
Жыл бұрын
I loved the section where he gave a life story about why the groceries weren't enough. Caleb was just sitting there like, "Uhhhhh...... I'm not following how this pertains to food on the table." 20 or so seconds of pure confusion on how that story was going to circle back. Lmao
@tempesttking5715
Жыл бұрын
😂
@NewscasterNews4
Жыл бұрын
His facial expressions were the best part 😂
@cupcakeordeath
Жыл бұрын
This guy’s girlfriend is living with him while he’s still paying an ex-wife and for eHarmony?? That relationship has to be a month old! Wow, this guy makes really poor choices!
@Lexa_Mac
Жыл бұрын
Caleb, because of your super practical perspective & advice, I'll be paying off my first card this coming month, paying off my next card in June, and aggressively attacking the final one right after. Once these are done I plan to open a retirement account (about 8 years late, but better than 8 years from now) and I am feeling so positive about the future. Thank you for all you do.
@aditya.dargan
Жыл бұрын
You're changing lives man, I rarely binge a channel but yours is truly an exception. Keep up the great work
@danishscribe
6 ай бұрын
I'm so glad I finally started making overnight oats. It is so cheap, and my daughter loves it. 1 cup rolled oats, 1 cup milk, 1 tablespoon chia seeds, cinnamon (1 teaspoon) and honey (1 tablespoon) to taste... so good! I would cut that recipe in half if you want to add fruit.
@taylorb6469
Жыл бұрын
Spending cash not triggering the pain response with younger people is a really interesting point. Now that I think about it I am the exact same way. Spending cash doesn’t bother me one bit because it’s never included in my net worth. Basically feels like free money.
@ashcraft555
Жыл бұрын
This is how I feel. If my budget is $10, spending on my card I'm stingy and really thinking about that expense. If I have $10 cash, I think "ooh, I get to spend $10!"
@immortaluglyfish2724
Жыл бұрын
Yeah I've been thinking the same way recently. I don't like doing "bullshit spending" unless I have physical cash, then I treat bills as a free meal ticket 😂
@potato1084
Жыл бұрын
I feel the same way 😂 Apple Pay is my bestie. But yh I budget pretty well through my online banking apps and have really high discipline when it come to credit cards etc but cash just feels like Monopoly money? 😂😂 I lose it so easily and it’s hard to keep track of. I feel like this is a huge switch from my parent’s generation who were far more irresponsible with credit cards and card spending.
@eechauch5522
Жыл бұрын
Yeah, I always try to pay as much as possible with my card, because anything paid with cash is kind of meaningless to me. The moment I get it out of the ATM it’s already „paid“ for, because it’s already gone from my account. I think the big difference is whether or not you actively monitor your accounts. If you look at the bank statement only once a month or don’t even bother at all, I can see how spending with a card can be quite easy to lose track off.
@frayacinth
Жыл бұрын
I found this channel a month ago and I've been addicted ever since- I'm 28 and am currently working towards buying my first home and saving for retirement. I do save almost every month, but it isn't as consistent as it could be, when I could and should be saving more- so thanks to this channel I've created an actual clear budget, and I'm going to stick to it to hit my goals. Thanks for everything you do Caleb (and thanks to your guests for laying their finances bare too) - here's to us all working towards a great financial future! All the best from the UK!
@Rainbowofcolor88
Жыл бұрын
Finally Caleb mentions Mint mobile!! He told someone to switch to AT&T the other day and I was like Nooo Mint is way cheaper 😂
@SpoonHurler
Жыл бұрын
I think AT&T was for better connectivity in the Austin area and still being 50 bucks or so cheaper. But I agree if you are climbing out of debt get Mint yesterday.
@gidgetgetscrafty
Жыл бұрын
I just wish Mint supported my smart watch.
@athrunzala798
Жыл бұрын
We had mint for a couple years. Was decent enough but t-mobile towers are kinda meh near us. Recently switched to visible, which is Verizon towers, and got a promo for $15/month for a year. The coverage seems to be a bit better for our area. Helps that I wfh so I'm on wifi probably 95% of the time
@bclarklax
11 ай бұрын
I had to throw my hot take in on this video as I also went to Full Sail, a different time, but actually in the same degree program as Carl. It was a great experience and although expensive, it was a solid school. The lowest I've ever made is $50k/yr. I've now tripled that about 10 years later. Its all about not giving up and continuing to improve your skill sets. If Carl would like, i'd love to offer a free portfolio review or this specific career help in landing a graphic design role that pays way higher than his current job. Keep up the great work Caleb and Team!
@c0horst
Жыл бұрын
Time to see how Jonah Hill is doing in his life I guess. Edit - Man this guy's story is similar to mine. Massive private student loans, out of school making just enough to keep my head above water. Took until my mid 30's to pay it off, after I had gotten a few raises at my job. Go to public schools! Don't take massive private student loans! They should be illegal, 18 year olds are too dumb to make choices like that.
@michellemhughes
Жыл бұрын
Holy cow, I am exhausted from listening to this guy taking the long road to answer Caleb’s questions.
@kathlyn5807
Жыл бұрын
This show is addictive to watch lol
@CalebHammer
Жыл бұрын
Thanks!
@kathlyn5807
Жыл бұрын
@@CalebHammer Wow you read my comment. Thank you for being awesome and bringing more fun to my everyday life with good content. ^_^
@bryces8153
Жыл бұрын
Man, i am about 1200 in the hole not including my small car loan and some student loans that I have and this channel has made me cut my maxed out CC and I have started the snowball payoff method (lol i am only 20 so it's not a lot but it feels like a lot.) Great content Caleb, also crazy to see how fast you are growing!
@coreyladd125
Жыл бұрын
We gotta help Caleb find love. There has to be plenty of fiscally responsible young women interested in a panda express candlelit dinner?
@deni6276
11 ай бұрын
Came back to the episode after the email. Glad to see he's made progress!
@Am-kinda5501
8 ай бұрын
Was there an update audit done for him? I’d love to see it but it’s not mentioned in the description and scrolling through all videos isn’t helping.
@deni6276
8 ай бұрын
@@Am-kinda5501 no, Caleb has a newsletter and the update was in that
@willb9259
Жыл бұрын
This dude has reasons for his reasons 😂
@Sofia-ge5wu
Жыл бұрын
I feel exhausted listening
@pinkyblessed2218
Жыл бұрын
YES! A reason, a story, a justification for everything. Exhausting…
@kylalynchh
Жыл бұрын
lmao
@speeddemon0712
Жыл бұрын
Dude seems like a nice guy, but I couldn't finish the whole video. Y'all are right, it's exhausting haha
@13ikea
Жыл бұрын
Opening credit card debts to pay off other debts
@cjsmith3121
Жыл бұрын
It’s cool to see Caleb’s subscriber count go up every episode
@alexvillalobos7137
Жыл бұрын
Im going to send my sister here. I’ll pay her flight because she won’t listen to me She makes 35 an hour cash and was asking me for $1500 so she can buy Christmas presents because she didn’t want to add more debt on her cards….. she went batshit crazy when I told her that irresponsible
@swelldritch2774
Жыл бұрын
I love this channel, man! I'm actually in a good spot financially, but these audits have really encouraged me to make some better financial choices. I cut my spending on food by over 150 dollars this month and Im in the process of negotiating my insurance and internet bills to save even more. Youre doing great work for everyone involved and I bet you hit 1m subs by the end of the year.
@candy2325
Жыл бұрын
I’m trying to save money on groceries as well and meal planning is a dream 🎉🎉🎉
@deannanphillips
Жыл бұрын
Finding your channel is gonna save me. Watching you roast ppl in my situation, even though mine isnt as bad its really opened my eyes and gave me the kick in the butt i needed to get myself out of debt.
@davidthosome623
Жыл бұрын
I think this guy has the potential to get out of this massive debt, he just needs to axe his spending and make lifestyle changes that he seems open to doing. He really seems receptive to calebs suggestions and has the desire to learn more and fix his situation. Looking forward to coming back and visiting his situation again soon!!
@isabellajane5644
Жыл бұрын
Caleb has forreal forreal changed my life. If I ever go to Austin I'm definitely doing a sit down with him for a Pre & Post Caleb financial audit.
@CalebHammer
Жыл бұрын
❤️❤️❤️
@starrynite786
Жыл бұрын
The common theme with the people on this show in how they spend their money is either FOMO, YOLO, or ignorance is bliss 😅
@hydro_storm4527
Жыл бұрын
This channel has made me start budgeting. Just paid off my Discover card, and today (Payday), paid nearly 50% of the balance on my Citi Card. After those are finished up, I'll move on to my 2 big credit cards, Amazon and Best Buy. Next year is going to be a great year lol
@sd1660
Жыл бұрын
I love mint. I Switched from Verizon. No change of service but saving $85 a month!!
@bobjohnson1097
Жыл бұрын
Goy Johah Hill vibes🤔 Not an insult! Good luck Carl!
@econdude3811
Жыл бұрын
Seems like a nice guy (Carl). Hope he finds a way to clear his debt and prosper. It won't be soon!
@DDebboun
Жыл бұрын
Caleb you’re growing so fast. I put all my homies on you. I am 22 graduating college this may credit score already extremely close to 800, starting a job in banking, 12k in savings. I would love to come on your show to show that you can do it early!
@christinashanks4497
Жыл бұрын
Caleb leaning his face into the mic and saying "oohh nooo" after learning of the smaller debts. 😂
@Landon_Hughes
Жыл бұрын
Caleb very charismatic. I love it when he just rolls through their transactions and is like “McDonald’s, McDonald’s, raisin canes, McDonald’s” 😂
@slymm619
7 ай бұрын
Cabo Bob - Taquitos, LOL
@haleysmith6208
Жыл бұрын
I'm going to school for construction management! I'm doing estimating for an internship. The industry pays really well but it's kind of a thing to go out for lunch every day and stop at the gas station 3x a day😂 I was spending half my check because I wanted to fit it. Sounds so stupid looking back on it
@Alligatore
Жыл бұрын
Here in Italy I have never heard of credit card debt / car debt/ lesases… the most financial burden some of my friends have is a mortgage. This channel has really given me a different perspective on how finances are dealt with outside of the EU
@nightshadesylv
Жыл бұрын
Do people just pay everything in cash up there?
@mateusssssss567
Жыл бұрын
You've seen nothing yet. Here in Brazil people get in so much credit card debt that banks will give them the option of paying for the debt in INSTALLMENTS. That means, say you weren't able to pay the April bill, you could split that bill in like 6 months. That means you'll be paying for the April bill until October, on top of all the other monthly bills. It's absolutely crazy
@Niobus1
7 ай бұрын
@@nightshadesylvdebit cards. Ppl in europe dont like to spend imaginary money they dont have. System in america is set up with credit cards as pretty much the main paying instrument so it can pander to the loan sharking banks and to get you to pay interest rates on pretty much everything they can get that hooked on. In europe, you spend and youre limited by the money in your checking account + most usually banks in europe give you an allowed minus for the amount of your two monthly paychecks, that is if you are employed of course if youre unemployed you dont get an allowed minus. Additional thing is car payments, car financing has become popular in europe only like in the last 6-7 years, most europeans even today go for used cars and they buy from private sellers rather than used car dealerships. Additional reason for that may be that ppl in europe tend to care for their cars(the majority od them anyways). Hope i cleared it up for you. Personally as an european from an even poorer country than Italy hearing these stories of debt is simply mindblowing. And in my mind its the system you have over there that is actually set up to do that do siphon as much money as it can. You can ridicule us for our social democracies and what not but unbridled capitalism is very much under control here unlike the US.
@designthedays
Жыл бұрын
Love getting to see a Financial Audit on Friday!
@WhisperingWatersCampground
Жыл бұрын
I need a version of this show for diet, weight loss, exercising, ect.
@ssgus3682
Жыл бұрын
I started the year owing $12,400 on my remaining credit card. As of the end of April, I am down to owing $8,079. I don't think I will be debt free by the end of the year, but it will be close.
@Dark_knightStanton
Жыл бұрын
you can do it i believe in you. im working on the same goal of paying off debt.
@SpoonHurler
Жыл бұрын
Awesome and even if you don't hit the end of this year you will be really close. The feeling of owing no one a penny is worth the grind.
@Gihmpy
Жыл бұрын
“Just go crazy” - Caleb Hammer
@MH-hm5cv
Жыл бұрын
Keep up the good work!
@MinnesotaSportsFan88
Жыл бұрын
I respect the people coming on here. I love coming here on payday and helps me manage my money even better each time! Sacrificing things to only for a little bit to create a better debt free life is the way too go! Or you will be in struggling for life. Bless everyone reading this and hope you reach your goals 🙌🏼🙏🏼💪🏼
@AmedeOhYeah
Жыл бұрын
Caleb somehow has the most and least patience out of anyone I've ever met. I love this channel.
@jonathanbrutt
Жыл бұрын
wait. Collections for eHarmony? Is this real life?
@jakubswitalski7989
Жыл бұрын
There's no less than hundreds of testimonials in the internet about eHarmony scamming people out of hundreds, then sending them to collections hell
@TinaLeder
Жыл бұрын
Okay defending *Full Sail* for a sec! lol Everyone I personally know who went to this school got commercial level 6-figure jobs right after graduation. It's like going to UCLA for film school, the education is only slightly better... BUT the relationships built will launch your career on a *golden path* if you were smart about it.
@84BlueCrownvic
Жыл бұрын
Agreed. He just didn’t do it correctly. Literally went about his education and financing that in the worst way possible. I know a few people that went to Full Sail and have six-figure jobs.
@DandelionEnergyOracle
Жыл бұрын
ALLY Savings Buckets... up to 10 "savings buckets" within 1 savings account. Pro tip. Thank you Caleb
@washingtonrider211
Жыл бұрын
Life hack: just pretend every week the next week you’re going on the show.
@ryandrayful
Жыл бұрын
I feel so bad for Caleb someone give this man some love
@DearNoobs
Жыл бұрын
I would love to see Caleb have 'theatrical scissors' on the table and it's up to the guest to CUT THE CARDs or Dont Cut the cards opportunity to encourage seriousness.
@jessicamulcahey496
Жыл бұрын
I'm in the graphic design field. I went to a community collage, got my associates degree, and paid a little over $5000 in federal student loan. I paid that off in a few years after I graduated. He got hosed.
@estherkushinsky4009
Жыл бұрын
Watching your videos have helped me so much! I am a full time college student, which i used to think meant being in debt was a given. Im taking my finances into my own hands and learning to be financially responsible within my budget!
@javaskull88
Жыл бұрын
I’m 60+ and binge watching Caleb following surgery. I think the greatest single difference between people my age and the 20-35 set that Caleb hosts is their restaurant spending. Whether eat-in, carryout or delivery, these folks eat out a tremendous amount. It’s tempting, get it, but I’d be broke if I did this.
@TubeCody
Жыл бұрын
Thank you for doing this Caleb. You’re not only helping people who are struggling with debt but you’re also spreading an incredible amount of awareness to other people about how important it is to save money and have a good budget.
@turtleheadedbadger
Жыл бұрын
Just imagine Caleb is eternally watching you and tutting and you will never again make a bad financial decision.
@AlexDom09
Жыл бұрын
Caleb’s ramble into the “guess what!?” And then slapping the statement to the table, took me out!! 😂😂😂 He’s built for this haha! I’m obsessed and I’m definitely on stage “binge-watch”.
@Gloria-dk6iz
Жыл бұрын
This man has a story for every single question. Damn.
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