Everything You’ve Been Taught About Money Is WRONG! | Caleb Hammer
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- Опубликовано: 1 июн 2024
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0:00 - Intro
3:33 - Caleb's Experience with Boogie2988 After Appearing on His Show
12:24 - Can ANYONE ‘Make It’ financially in America
13:27 - The Impact of Mental Health & Trauma on Personal Finances
22:42 - The Guest that STILL Struggles w/ Finances After 4 Appearances
26:08 - The Surprising Benefits of Being in Debt
32:30 - The #1 Thing That Keeps People Poor in 2024
36:27 - Caleb's Candid Discussion About His Current Debt & Credit Card Usage
41:20 - Caleb's Step-by-Step Guide to Financial Freedom
44:25 - Is College Worth It in 2024?
46:31 - Confronting Caleb About Being Too Hard on Guests
52:42 - How FAST RUclips Growth & Hate Has Affected Caleb
1:09:28 - Asking Caleb “Do You Think You Listen to Your Own Advice?”
1:12:18 - Diving into The Fear of LOSING EVERYTHING
1:24:57 - Caleb Opens Up About His Anxieties
1:32:13 - Caleb Hammer Has a GIRLFRIEND?!
1:41:22 - Should Couples Share Their Money?
1:43:06 - Is Universal Basic Income a Good Idea?
1:45:47 - Closing Comments
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I disagree that Hammer fans only watch one a week. I think many of his followers watch every episode for at least 20 minutes, and depending on the guest may or may not finish. Hammer audits are definitely a routine on my algorithm and I click and watch every one
I binge watch all the time
One of the three youtube channels I clicked the fucking bell on.
I watch everyone thru. Between administrative corporate job and breastfeeding I have a lot of time for watching with an AirPod popped in
I think it’s much more likely they watch 10+ episodes in like a week, then don’t watch any for a couple weeks. At least that’s what I do, but I’d assume more people are that way rather than just 1 episode a week consistently.
I watch em all
Graham: People are gonna watch one episode a week.
Me after binge watching the last 8 months of episodes in less than a month: 👁️👄👁️
😂😂😂😂
@@CalebHammer I watched like 12 episodes straight with my mom over the holidays and now she keeps yelling DEATH when credit cards are mentioned 😅 keep doing your thing Caleb 👍🏿
I also started watching Caleb Hammer in mid-April 2023 and watched every single video prior to the first one I watched.
Same dude... same!
Yup, I watch them all too. Seems like Graham is always trying to get Caleb to change how he does things even though Caleb is doing nothing but growing. If Caleb's channel were struggling I can understand Graham giving advice, but it doesn't seem like Caleb needs advice at the moment.
Im the dumb blonde. I had the title picked out when I was excepted to be on the show. I thought that after reading the title, than clicking on the video than hearing my job title "Analytical Chemist" would be funny af. Because my finaces are in a dumb place rn. Working on it. ❤❤❤. Celab was really nice and im sure he wouldnt have picked that title with out my suggestion.
What episode?
… oh ACCEPTED
Oh my gosh! I just watched your episode last night, it was such a good episode! Thank you so much for calling to light the fact that the sugar baby world is a dark world that is deceivingly glamorized. More girls need people like you to tell the truth ❤
DO NOT tell that man to post less days a week. I absolutely love that his videos get posted an hour before my lunch break. I literally look forward to MWF because of it. Maybe I’m the only one, but I genuinely think a lot of people watch every single one.
One episode a week for me is not enough:)
Episodes drop on my way to work, keeps me getting up and going every week.
I was missing the episodes during the Christmas break he gave himself.
I'm always right on time when an episode drops 😅
Right I watch them when on the treadmill at the gym. There was only two I had to turn off. Too much trama dumping and excuses for their bad choices.
This has become one of my favorite recurring crossover events in the RUclips finance multiverse
Agreed! Lol.
Finance multiverse. There has to be a cool name for it? Maybe Moneyverse or Dollarverse. Perhaps Budgetverse would be more fitting
Dude literally yes bro😂😂
Caleb Hammer, Graham Stephan and Dave Ramsey are part of the finance youtuber cinematic universe.
Agreed! Graham and Jack have been doing great job cross pollinating with other financial RUclipsrs. I’ve learned a lot from listening to the podcast
I watch all 3 episodes a week. The thing about Caleb is you don’t have to remain at full attention throughout the episode this is great content that can be digested while playing in the background. It’s very podcasty which is great for having in the background. Even if I watch 1 a week I’ll go back and watch the ones I missed when I have the time for it to be in the background either at work or on my drive.
I love that, and appreciate it more than you could ever know ❤️
YESSS
I try to watch all 3 episodes as soon as they upload, but have been skipping certain ones of late.
@@ivan-681 yea! The last 3 of this year have been subpar. It’s been 3 misses in 2024. Hope it gets better with the guest selection. Still like the show, but it’s turned more of a therapy session than a financial analysis.
Yes! I have 4 kids and a full time job AND I do embroidery at home in the evenings. Many times it’s LATE before I can get going on my embroidery and I LOVE turning on Calebs show and just letting it play.
Caleb is loud but definitely not harsh. Sometimes I don't believe the patience he has with people
well the only times he loses his patience is when ppl are acting dumb lol
@@icemalexs5867 he's quick to assume sometimes but he normally apologizes then lol
"Boogie2988 Is Going To Die in Poverty" seems a little harsh to me.
@@HingerBinger how is that harsh? It's just the reality. That'd be like saying it's harsh to call a homeless person homeless.
@@HingerBinger well then the truth is harsh, not Caleb. The only one being harsh and even disrespectful to that boogie guy is boogie himself.
Graham “you’re not going to watch every episode.” I Watch every single one. Don’t stop! I look forward to all of them
I’ve watched literally every episode
Your the best
Haha this is what I was thinking too
@@CalebHammerthere are dozens of us!
Same. I was just about to type that and saw your comment. 😂
I think they forget that Caleb’s channel isn’t about financial hacking, or being as financially savvy as possible, but just about regular people making better decisions - so I don’t think it’s fair to say he “fucks up a lot”
Yeah, Caleb deals with normal people where a lot of money advice isn’t a reality for those people. His recent conversation with Amouranth talking about equity fund investing, buying gas stations and such would have no meaning for a majority of his guests.
Caleb’s guests are among the least financially literate of anyone I’ve ever seen.
Agreed. His channel is a wake up call for people who have no idea what their income vs outgoing is and who blindly swipe swipe swipe whenever they want something and never look at their statements. You have to get it under control before you can worry about finessing the finer points.
I will not tire of Caleb Hammer. He could post twice daily and I’d watch it all.
Had to upvote when I heard Caleb refusing to give an opinion when he lacked information. Why does this feel like a superpower these days?
when people don't feel informed enough to comment, they don't - you never see or hear it - they don't make a big announcement that that's what they're doing - it's not that special, it's just an invisible feature
I think it's because in a culture of wanting to show how -to put polietly- informative they are, not knowing and being okay with is refreshing.
“Upvote” ok redditor 😂😂
@@heyolorenns Damn, you got me.
@@vargonianredditor scum 😂😂😂
As a licensed professional counselor, I often find people come to counseling so that they can be validated in their bad choices and excuses to continue in their bad behavior, because of their past trauma. I always validate their trauma, but I refuse to excuse their bad behaviors and let them continue in them. Yes, this terrible thing happened to you and you need to acknowledge it and heal from it, but it does not excuse you to continue in your bad behavior. It’s your responsibility to take the steps to heal and make better choices for your life regardless of past traumas.
basically have to reparent them, is what i'm hearing.... of course, with better tools
That makes so much sense when I try to hold people accountable to their bad behavior and they'll make excuses about it, but when I'm venting about my issues, they weaponize therapy and tell me my therapist is doing a bad job. People are crazy. And the worst thing is, you can't force people to be genuine or listen to you. People will lie and manipulate however they feel like.
@@360.Tapestry You work with what you got in life. We all start with what we got from our childhood and navigate adult life from there.
I think it’s a grief process. It’s like, they’re in the denial stage. First you’re angry because you didn’t deserve it and you shouldn’t have to deal with the consequences of what someone else did to you. Then you’re in denial that you have to do the work. Then acceptance. Then you do the work. Idk the stages of grief. I do know anger and denial and acceptance are in there.
Caleb, keep the 3 episodes a week. I know I am someone who listens to every episode, and I like the fact that you say you want to help as many people as you can. I think your content works at multiple times a week vs a standard talking podcast.
Jack needs to give more financial anxiety advice. This conversation proved no amount amount can give someone peace and it must be an active choice we make
Right? All three of these guys probably have enough that they could literally walk away tomorrow and have enough to live a pretty comfortable life and never have to work again.
Yes I loved his advice
The difference is that Jack is content. People who are have found the holy grail. It's a balance.
Some of us do watch every Caleb Hammer video. He has had an positive influence on my life. We joke around with our friends when thinking of making a bad financial decision, “I’m going to tell Caleb Hammer!” 😂
Caleb’s blunt, he’s not mean . There a difference people don’t seem to understand these day
Timing is everything! I'm all about ICOs and presales for that maximum profit, and Stasum is looking like a gem in the making. Potential 50x? Count me in!
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I really love the Caleb is very informed but also incredibly human and compassionate. Thats rare in a financial literacy space.
As someone who lives in a rural area, I really appreciate Caleb mentioning food deserts. I also love that Caleb is so supportive and understanding of mental health.
Because he have it himself.
So incredibly happy that Caleb is seeing someone who puts him at ease being himself!! 🥰 really respect her sense of keeping themselves insulated from the RUclips exposure.
Hopefully she don’t cheat on him
Why would that be your first thought? That says more about you than anything.@@riverdaletales8457
remember guys its just your turn 😂
1:09:10 This is where I have to disagree. I watch every one of Caleb’s videos the day they come out. It’s built into my autopilot schedule at this point. It’s how I know the week is progressing.
Don't tell Caleb people can get tired of him. He is my entertainment when I'm bored at work!
I actually do watch every single episode that Caleb posts. I’ve learned a lot. I have a demanding job so I may not watch on the day it is released, but I relax by doing knitting or embroidery and watching RUclips.
What changed my financial situation was sitting in a hotel room in 2021 in Texas during the Texas freeze, I decided to go thru where I spent my month. Seeing all the pointless stuff & things I spent on. From that point it took 2 years to pay off my mortgage (8years early) & my truck (2 years early). I'm now able to invest 50% of my gross.
Wow
Wtf this is literally what I did too . Crazy to see someone live parallel to you
Crazy, Graham’s definition of hell is what would make the happiest. Stable, reliable, respectable job with good long term outlook. That would give me time to focus on hobbies and family.
there is no such thing as stable job ... maybe doctors who are way way overpaid ,,, in rest nothing ...
Haha same! I am a huge fan of a simple slowed down life. There are so many enjoyable things to do in life why would you want to spend any more time at work than you have to? I guess I’m glad other people are willing to work crazy hours and take on the risk of jumping around all the time so that I don’t have to.
@@pentrubarbati actually, there is.
Had to scroll pretty far to see someone else mention this. I work the taboo "9 to 5" and it's as stable as it gets (government work). I'm never going to be "rich" working this job, but I make good money, have good benefits, am saving for retirement, and my job is secure with room for growth and promotional opportunities to earn more. I have a great work life balance and get to spend a lot of time with my wife and focus on my hobbies. Not sure I would trade this for the volatility or risk that can come with self-employment, but to each their own. I know how much I'm going to make every month like clockwork and that brings me peace.
some people are ok with mediocrity usually all in government jobs sadly the rest of the people have to pay taxes to support this mediocrity stable jobs etc @@andrewm.3367
Graham, please be quiet! I think I speak for everyone in this chat...that we watch all of Caleb's vids 3 times a week. I went back and watched all Calebs vids on a binge...so I can't wait til MWT!!!
1:17:02 Graham, I have 3 kids, my oldest has severe autism, I make a very small fraction of what you make and very small fraction of your net worth and we're doing fine. You'll be able to financially handle whatever comes your way.
I found the topic of financial anxiety SO INTERESTING between you three. It’s crazy to me that you could make an average American salary and feel financially insecure, and that insecurity doesn’t necessarily subside once you jump through the tax brackets.
Doesn’t matter if your household income is $100k or $100 mil, you will always find something to worry about if you are predisposed to anxiety.
The goals shift as you make more money. I've been there. My husband and I have gone from being a single income household to a two income household. Our income is higher than ever. We've gone from struggling to afford food and heat to worrying about car maintenance and home maintenance, to worrying about retirement. We have less to worry about so you go from worrying about the surprise bill that has just hit, to the one that might hit, to what's going to happen if you get sick or when you get old. It goes from the right now to the distant future and hypotheticals. It's a useful anxiety because it means we save for retirement and build an emergency fund. We can survive a temporary unemployment or an unexpected bill and hopefully that won't change when we can no longer work. If you don't prepare for what might happen, if it does happen you'll be massively set back financially. Low level anxiety exists for a reason, but if it's crippling anxiety you go get medical help.
Ive had the feeling BTC would be going to 40k as well. Clearing out all my Alts going into BTC and Stasum only, maybe a little BNB.
So proud of you for asking your girlfriend out in person. It's so much harder than people think if they've never done it before.
I love that he posts 3x a week, and I watch all through entirely. I would be sad if he lessened it personally.
Caleb, keep the 3 episodes per week. I started watching your channel last year and I have watched every single episode. I thoroughly enjoy them and look forward to watching every M/W/F.
I love the three episodes, and how long they are. Watch them while im at work. I dont mind at all that many guests use emotional reasons to why they are in debt. It human nature, we all do everything off of emotions.
Exactly, I like knowing people's psychology around their debt. It helps me recognize when I am rationalizing things I shouldn't. Yes very human nature.
While BTC stands firm, early projects shine. Stasum's presale is the place to be.
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Don’t know if anyone else felt this way but Graham kind of comes across as jealous toward Caleb and his success. Whether or not he is consciously aware of his jealousy or not, I sensed it.
Caleb, I watch your uploads (all of them) every week. Keep doing what you’re doing.
lol i don't think it's specific toward caled. he's an optimizer and is competitive in that way. i think he also has to grapple with the idea of others making bigger and bigger moves through building teams and delegating responsibility, while he typically struggles to relinquish some control - but it's served well so far🤷♂
YES
He’s pretty boring compared to Caleb
Hilarious to hear Caleb talk about how he didn't go to school for mental health education, he never went to school for FINANCIAL education but here he is telling other people how to handle everything.
For most, common sense isn't too common.
Neither did graham
He has the personal experience of digging himself out the situation a lot of his guests have found themselves in. That's probably more knowledge than a formal education could have provided him.
I love this convo, and as far as how people are comfortable with 100's of thousands of debt, I truly dont think they can fathom that amount of money. If you offer someone 100k they would probably feel rich but that same person being told they owe 100k they may not even sweat it. I like putting my spending into the perspective of my income. 100k may not sound like much to some people but say they make 40k annually. Thats 2.5 years of straight income; no taxes, no bills, no food, no basic life needs. If you are saving 1/4 of your income thats 10 years of no saving just paying on debt. I feel like putting things in those terms really helps me understand the gravity of the debt.
Stasum's possibilities are unmatched in the current altcoin landscape. I'm diving into the presale.
You guys should have aubrey de grey on your show, as his stuff will change the whole calculation around pensions
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Love Caleb and his content. I didn't even know who Graham was until after watching Financial Audit. And I absolutely DO watch every. Single. Episode.
Same
I watch each episode MWF of Caleb Hammer. Listen to them at work. I absolutely love them!
17:10 Caleb hit the nail, and Dr K agrees when he says the drug addict keeps shooting up on heroin because doing that makes it feel like their problems go away
Also, Caleb - you probably won't read this, but you really don't need to bother with your own 10 step program. The Money Guys FOO aligns really well with your style, and I think it's the best one out there. Much better than Ramsey's baby steps.
1:30:02
Hit it right on the nose Caleb
Long time person with panic/agoraphobia disorder.
It's nice when people try and understand, but they fully won't if they don't experience everyday life moments with LITERAL emotional/physical responses to a panic disorder.
You got this Caleb 👏
I think his core audience watches more than you think. I watched Caleb since around 1000 subbies. I love the content and it keeps me motivated during my debt payoff journey. I watch every single episode. I work from home so I listen as I work. I'm sure he has a vast majority of other that tune in daily. I actually love the longer episodes because it makes the work day better lol
I started watching Caleb around 250k subs, but I have reliably watched every single new episode within 30 minutes of him releasing it. It helps me stick to my budget and goals and I appreciate the different perspectives and journeys other people have been on with their finances 😊
I’ve seen every single episode 😅
I have an office job and his show makes good background noise while cruising through spreadsheets and emails.
@@madisonvirak3540 I totally appreciate that because I just cannot click quickly enough on those days. He is one channel that is just part of my daily routine
@@nathanrice7352 exactly. I'm usually in and out of my spreadsheets so it makes it more fun lol
My husband and I watch every single episode of Caleb's every week, we always get excited there's a "New Caleb today!!", and watch it while we eat dinner on MWF, keep it up!! :)
Wait who isn't watching all 3 videos each week? It's my car ride/lunch break content. I'd watch probably 4 sepsrate hour long videos a week by the same creator as long as there's diversity. Caleb's content plan is stellar
I think Caleb handles his guests exceptionally well and has really made space for mental health and brought this piece of the conversation forward.
I started seeing my guy the week before thanksgiving too! I’ve known him for 10 years, but he finally asked me out and it’s the most natural thing ever. ❤️ completely understand how you’re feeling.
What helped me start making big changes was to just look at activities as what they mean and not a load of work. Instead of saying "Im going to the gym and doing long sessions of uncomfortable work" I know say to myself "I am going to a place to improve my health, my physical aesthetic". I was looking at work activities as work, something difficult and uncomfortable instead of appreciating the activity and that it is the path to my sucesses
Great banter...luv u 3 ❤️ together !!! Made my evening. Thanks bunches 💓
I look forward to watching Caleb's shows and watch all three episodes every week. I have a select few channels I watch on RUclips, and yours is one of them.
I watch every single episode! I actually get sad at work on Tuesdays and Thursdays because there isn’t a new episode, so sometimes I’ll rewatch older ones.
Massive fan of Caleb, Jack and Graham THANKYOU you guys did a great job with this interview! And its great to see Caleb in a different kind of content after watching so many FInancial Audits
Great video gentlemen! I ran 6 miles listening to this podcast -- i might not be your typical demographic listener. I have a 32 year old son and I've been trying to get HIM to listen to your podcasts ;) I'll keep working on it. Thanks for the intro to Caleb ! I'll add his podcast to my lineup.
On the topic of the algorithm, RUclips really pushes Caleb, at least in my feed. I rarely get the iced coffee your recommended to me. I do, but not nearly as much.
This episode is great because there is a lot of honesty and very little ego.
Caleb, you're the soundtrack to my workdays.... I watch all of them! Tues/Thurs are always a bummer!
BTC is the backbone, but Stasum seems like the future. Adjusting my portfolio for the long game
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@@kyotodreams3306this comment and the other bitcoin comment have SO many upvotes. Really weird how these bots work.
Looking forward to hearing this one, just starting to tune in now.
I love to see the friendship that has formed between you three ❤❤❤
I’m excited for Mary to come back on the show, easily one of the best guests, hope she’s doing well
Caleb, keep the 3 episodes per week! Graham and Jack, love the long form, glad I found you guys through Caleb!
I loved the walk around video!!! I'd watch way more of those! That dog video was great. Can you make the fact that it's that style more obvious? like a thumbnail style specific to that series?
Love that Caleb has found someone! I did the same thing with my boyfriend where I wanted a specific date to make our relationship official 😅 glad I’m not the only one! Happy for you!
I'm the same way about hiring college graduates. It's not that I'd never hire someone with a degree, its just that a lot of the time, they have a certain entitlement about them.
I watch every single episode that comes out! I look forward to each episode. We love the MWF schedule!
I’ve always liked and respected Caleb, but that last segment where he talks about not wanting to subscribe to a political party or ideology just gave him even more credibility. I love when people are open to learning and changing their beliefs and making educated decisions. Also not having strong opinions about things you don’t understand well! Yes! You get to decide about what things matter to you and what things you have an opinion on. You can set boundaries to the information you share and how much access people have to your emotions. It seems like Caleb Hammer is really well set up for life with his mindset and how his channel is doing ❤
I watch all your episodes Caleb! I think I might still need to watch 4 or 5 of the super old videos, but I’M A FAN 🥺💕
Every episode since the first. Keep up the great work as the effort doesn’t go unnoticed. On the flip side, take your own mental health and cut back if need be.
Caleb “nothing ever is one size fits all” 💯💯💜
Good honest open discussion financial talk. Here for itt
Bahaha jusr subbed guys, been a HammerHead for months. You guys are tied!!
I watched the solar sales video. I was looking forward to it since it was teased on the podcast. I liked it, maybe it didn't do well because of the title, when I did door to door for internet sales. All of the door to door videos I searched for had little to no views. I think it was cool to see you out of the studio. great video.
Caleb, I watch all three episodes every week and would watch more if you were able to make them
I absolutely love Caleb’s Channel. I would watch as many episodes as he uploads but it would be interesting to see one person come on that actually is successful & has good finances that lives an average life.
Great vid love the finance talk 👍
I look forward to when Caleb uploads, watched every one so far 😊 but I'm also hoping he's planned to have a break or a holiday at some point, just for his own sake.
He did during Christmas- New Years
I'm glad you talked about how people are trying to use mental health as an excuse for their poor spending habits. Yes, I'm sure it plays a good part, but they can't just keep falling on that and not do anything to improve it.
Financial Audit is so awesome. It fulfills a need and that's what's important. Love the show. Many thanks Caleb!
I love these conversations but between the RUclips ads (I know I should pay but frugal!!) and the ads from Graham is really slows the pacing down. Love that these two make frequent videos together!
Love the Caleb podcasts! Already can’t wait for the next one
My bf and I keep watching every episode as soon as it post. Every time I want to spend money on food or in general I scream at myself like Caleb would if I was on his show. love multiple episodes a week although if it’s too much for Caleb I understand as well. Hustle smart not hard! Thank you Caleb!
Great episode, really enjoyed it
Absolutely love these conversations 👊🏿
I've been saving that solar one for a time where I could really enjoy it, rather than listening to it podcast-style. I'm officially moving it up to may chill-out-with -RUclips list for the day ✔️
I'm the same as Caleb. Cash is "free" unaccounted-for money. It just disappears and no one knows where it goes. When I charge, there's a permanent record and I can't deny the taquitos!
I watch all 3 episodes every week! I have them on during my commute and in the background when I’m getting work done.
Caleb thank you god for talking about your anxiety. I feel the exact same thing. I get it man!
The conversation at minute 49.... Caleb is a good dude. ❤
I watch every episode Caleb, having both a good amount of quality and quality equals success.
Wow jack really nailed this one I haven't watched Graham since around 2020 but seeing him and Jack is really great. I've been watching a lot of the older videos the past few weeks.
The ads in this episode are great and spot on similar to that of the Truman Shows Mocococoa. Love your show Caleb and wish you all the best. Really helped me wake up and buckle down on my spending and wrangle my debt up and pay it down fast
Caleb is so awesome. He keeps it real. Are you going to make anymore hands on videos?
Maybe one more - not sure, they’re so hit or miss!
@@TheIcedCoffeeHourhit or miss?
@@danreddick8884Caleb a real one and these clowns are on his level
Putting my vote in to keep financial audit at 3 per week as long as you want! Haven’t missed one in months
I watch alot of finance on yt and this is the first time hearing of this guy 😮 SUBSCRIBED!
Soooo excited for Caleb's new content!
Love how Graham said "in a couple days" and today the day of the upload, Cableb is at the same number of subs! Congrats to both of my favorite creators!
I watch most of every episode. I like the 3 episode schedule, but i understand that it is a lot of work to get this quality production.
Graham I didn't see the solar panel show ...never popped up in my feed. BUT I did watch the young guy that started the window cleaner business!! It was great!
47:00 stay being harsh C, it has really pushed me to do some internal and external audits on my spending and my family’s finances. Sometimes you need a cold bucket of reality, especially if you’ve been living, working, and spending with your head in the sand.