Hi Caleb I'm trying hard not to be a fuck up and so I am wanting to get a secured card to help my credit. I know you recommend Chime. Do you have a promo code for me to use? Also do you know how quickly they begin reporting to the bureau? I tried to sign up for Kickstart today and they couldn't verify my identity. Do you know of another thing like Kickstart? Thank you for helping me on my financial health journey
@@EFW93 Lol Yep and those curling irons and crimpers. I think our hair looked better than as a society, we valued our hair more and didn't have the time or money to waste
@@somethingshiny343 I don't think we're watching the same show. He literally advocates for everyone to go to therapy, puts it into everyone's budget, encourages guests to talk about financial issues with their therapists. He never claims to be a therapist. Would you rather him act as a doctor or psychologist when he doesn't have the credentials? The show is financial in scope. And people willingly apply to go through this process. If you're not a fan, don't watch.
Guy needs to learn the Adam Savage approach to buying things: First, buy the cheapest thing that will do the job. Then, when it breaks, if you're still enamored with that thing, you buy the nicest one you can afford.
Don't follow my father's modification for this approach: Buy the cheapest possible thing, be incensed and baffled when it malfunctions, and then buy the same cheap crap again to replace it.
@@SKetChy7100tools is exactly what it's intended for. I'm not sure about the car parts, seems like a recipe for lots of headaches & increased breakage. (Don't be me and save $1 on a VTEC solenoid gasket by buying it from the cheapest auction seller only to have to spend ~$60 in oil and valve cover gaskets replacing it a second time with one from a dealer that's made with the mesh on the correct side.)
That works for tools, not sure how well it applies to other stuff. More general solution imo is when you want something, set a time in future you can buy it. Eg expensive light bulbs that arent really needed? Like 3 weeks.. If you still want them in 3 weeks get them. Most likely you'll forget about them before you get around to buying. Time to wait depends on how dumb and how expensive thing is.
What I'm learning from these episodes is that people are willing to do anything to get out of debt unless it is to either cut down on spending, getting rid of vehicles (or other luxuries) they don't need or bringing in more money. But other than that, people will do what it takes.
@@darkfarfetch3664he kinda does, but some people don't respond to it well and the whole point is to help people and monetize it so he can afford to keep doing it and make a living from it
One thing Caleb, when you recommend free fun I think you could throw some more love to public libraries. These days most of them offer streaming services, audiobooks, and some even offer access to tools and other stuff through a library of things!
What amazes me about this show is not just the finances but the unique and different personalities and mannerisms of each guest. They're all in chaotic debt but each individual comes across so differently. Manners, active listening, humour, at the right times, and positive body language can get you so far in life! This guy comes across well. This show is a series in character studies. Thanks Caleb and Super Team.
"I need to quit being lazy and just actually make my own food and do meal prep." Thank heaven for a reasonable person realizing they can change their behaviour who is not making excuses on how it's cheaper/saves time to eat out!!
As an adult with ASD, I totally validate the roommate situation. things like messes can completely derail me. The noise, unexpected guests.. it's my own personal hell
My partner and I found that a roommate after 2020 was enough. But then my parents moved in this year but they are much quieter and keep to themselves when they are not working or helping with the grandkids. We all do our part or communicate at least when chores will get done.
yea same. the unpredictability of a roommate's behavior and their nonsense, something I have no control over, affecting the quality of my life is too much for me to take. i would live paycheck to paycheck on 2 jobs if it meant I was able to live alone without a roomie
Having ADHD and ASD makes impulse control really really difficult, living with incompatible roommates genuinely impossible (because it can cause real consequences, like shutdowns or meltdowns which are genuinely harmful for mental and physical health), and makes meal prep a huge challenge. More than most people, the things that are “easier said than done” are GENUINELY a billion times easier said than done. There’s so much mental energy but into those “normal” every day tasks, and it’s completely draining, so I get it. It’s very give and take- we do our best though! It’s all about progress, not perfection- that’s what can build those habits to carry us through the extra hard stuff :)
My blow dryer was $40 over 10 years ago 😂 it just started shorting out this weekend and I’ll have to get another one, but I won’t be spending over $50 for it
Caleb's empathy for his guests seems to shine more with each new release. Not saying he was heartless in earlier episodes; just appears to be dialing in that balance between accountability and compassion. Good stuff Caleb & team.
Wow, he took accountability, admitted things he doesn't want to but is willing to try because he is aware of his situation and wants to change. Kuddos to you man, your life matters! You got this! Also, entering the holiday season, this is a perfect time to snag a gig job.
@@BoilingNuisance Oh absolutely. I'm really happy for him and hope to see his life turn around in a bit. I'm sadly in a similar boat, but am working on myself too. So this is eye opening to me as well.
The dyson hair dryer is not throwing away.lightyears better and faster 😂 my ladies never going back..or her mom...or niece...they all got it now.@@samanthafreeman4315
Just paid off my 3rd credit card today!!! Thanks for yelling at me, Caleb!!! I put myself in the guests' shoes when our situation is similar. I was doing it slowly and saving a bit, but watching made me realize I was doing it wrong!!!
started watching a few months ago, was about to go $20k into debt for a car, instead went and bought something i could afford cash on friday. thanks caleb 😌
I will say I immediately fell in love with my bff's Dyson and must fight the urge to buy it every time Amazon reminds me an item on my wishlist is on "sale" 😂 --tis truly a battle to resist the temptation of impulse buying
Rules for Not Being a F*ck Up - Iconic! Just got my own copy sent to my email. Thank you Caleb for bringing the most incredible content to your subscribers! Been following you since you were doing street audits, you are amazing!
Honestly, this is the only channel I wait to see a new episode come out. I’d appreciate any videos on retirement accounts. Maybe a 401k and Roth IRA video. That’s where I struggle.
Good news on this is he has a LOT of extremely expensive stuff he can sell. Cameras, motorcycles, computer stuff, HAIR DRYERS, downgrade the car… all kinda of stuff that’s dragging him down that he can get done fast cash for to pay down the debt.
Thank you for having a semi normal person on for once. We getting tired of the lying nutjobs with impossible life situations and a 1% chance of succeeding.
@@alicelaybourne1620 you quote "impossible" as if the drugged out single mom with the 40 year old baby daddy (who was "abusive", but still got custody of the kids?) and no job or the drug dealing schizo living out of his car working in "logistics" have an honest chance of actually following this plan.
This is an excellent channel that I have shared with my students whos families aren't great with money. They are thankful for the channel recommendation, and are committed to breaking the trend.
I wish my friend was like that. Showed her the taquitos one hoping she would go down the rabbit hole and i don’t think she even watched it. If she did she didn’t tell me - I’m assuming it probably popped up a few too ugly heads in her life she didn’t want to face
The worst part is that he can afford his lifestyle. But he can’t get it all right away. If he just saved for his motorcycle and his camera, etc. he would be able to afford it. He doesn’t have an income issue. Good for him, he just needs to learn how to spend within his means and save and he’ll be good. I spent the first half of my 20s learning that lesson and I’m in the second half paying off my debt. I’ll be debt free in a couple months (besides my car). I’m not in a rush to pay it off because it’s at 2%
I have a tip for you to share when you tell people to sell their vehicles if you haven’t covered it already. I sold my motorcycle in a Louisiana handshake deal and canceled my insurance soon after. Louisiana then charged me a sackful of fat stacks for every “uninsured” month I had my motorcycle. Since I couldn’t prove when I sold it, I ended up paying $500 in fines. Moral of the story is to notify the state you live in if you sell a vehicle and cancel your insurance - or keep good sales receipts.
Caleb, please know how incredibly helpful it is that you ask follow up questions on people’s careers, their paths leading to and through their positions, and stuff like that. I have a 14yo son who is gonna need to start thinking about this stuff in the next few years and it’s so nice to hear about these kinds of jobs that I’ve either never heard of or seemed like they’d be harder to get than they actually are. That info is so useful!
1. I love this channel SO much. Watch every episode. 2. Caleb, the new SAVE plan for student loans is income based but also does not accrue unpaid interest that the minimum payment doesn’t cover. It’s probably a great plan for most of your guests on the show. In my opinion it’s not a realistic option to pay the minimum for 25 years until the loans are forgiven, but it could significantly help while trying to get out of bad debt.
I just started a new job with a massive pay increase last month. Instead of letting lifestyle creep get the better of me like I have in the past, I’m keeping myself at my previous salary, taking all the additional income, and splitting it between debt payment and savings (high yield with Sofi 😉). I finally have a savings AND have paid off 2 credit cards in a month. Thank you for helping the thousands of us out here trying to be better with our finances!
Since watching in the past year, my wife and I have paid off 25K in student loans, I only have 19 months left on that, close to a 6 month emergency fund funded, and maxed out ROTH IRA.
Good for you! Hopefully you are also utilizing a high yield bank account for your more immediate cash as well, such as using Ally or if you can do direct deposit from your job, then SoFi also works
I love how Caleb says if your roommate is pissing you of have a conversation with them and if their a compete piece of shit just get a new one.... like it's that simple....I had a girl I had gone to school with contact me saying she had just moved back to town, that she was trying to buy a house but it fell through last min and she was getting killed living out of a hotel, like so many lies she said she had 2 jobs and all this money in the bank and I needed a roommate, so I went to the landlord and asked them to screen her like anyone else then put her on the lease... the landlord took the money for the background check then never actually ran it, I have the messages of them saying she was good to go the lease was signed and to go ahead and give her the keys.... she couldn't pay rent after the first month because she had no job she kept lying about being on paid leave to get settled and then story after story for a full month on top of finding out she was using some heavy stimulants with some delusions and mental issues, so after a month and a half I asked her to leave and she refused, I got in touch with the landlord who said they made a mistake and she had never actually sent the lease back to then so she wasn't technically on the lease and I said fine I'll pay the rent myself without a roommate just get rid of her and they thought all they would have to do is inform her she wasn't on the lease and she would leave... wrong... she refused to go anywhere the cops wer involved they wer at my apartment every week almost for the next 3 months... she would break into my room steal my shit, have mental breakdowns and just start bugging and there was literally nothing the cops could do because of squatters rights in ny.... she had to be evicted , which the landlord told me they wer doing but that was a lie... so I was stuck living with her for 7 months she didn't pay a single bill she didn't buy any of her own food and she had this little rat dog that shit all over the place.... my mental wellbeing went out the window, I finally said this is enough and after 4 months stopped paying the full rent and told the landlord I would start paying yr full amount again when she was gone... they said they understood, my lease came to a end and I left she was still there and 3 months later I found out I was due in court that I was being evicted from a apartment I hadn't lived in for 3 months, she didn't show up I did the judge took me off the eviction but this property manager not only wanted me to pay all the rent for when I was there but for the 3 months she had been there after I moved out😂😂😂the judge told them to get fuct basically and removed me... she somehow got a extension claiming that I sabotaged her getting to court😂😂 the judge let her have a new court date and she ended up dragging it out until September before being evicted so 5 months after I moved out she had been there in total for 10 months without paying rent..... the girl was scum and why I'll never have a roommate again ...I couldn't buy groceries cuz she would steal everything I bought, she would cook my Mac and cheese AND FEED IT TO HER DOG , after I stopped buying groceries I would catch her going through the garbage for shit I had thrown out.... fuck roommates
as someone recently diagnosed with adhd and really getting into why i‘m doing certain things the way i do and really work on myself, realizing my spending was completely out of balance, i kept buying stupid stuff because it gave me a dopamine high. the adhd tax is real and watching your videos made me so thankful i got a hold of my financial situation before it got out of hand. no loans. no credit card debt. no outstanding payments. a little amount in savings, insurance policies etc. but considering what i earn i could have probably put tripple the amount aside if i didn‘t always give in to my impulsive spending.
ADHD tax is real. It is a huge aspect to why I am not where I want to be financially. I'm working on reworking my brain processes when it comes to these things. I like to gamify things. Whenever I would save more money, I told myself I had a new high score. ;)
Stone, as someone who discovered their ADHD and autism in my 30s, after experiencing several episodes of autistic burnout without understanding what it was, the best advice I can give is get your finances in order. We MUST be equipped with a year+ emergency fund. Working when you just cannot handle anymore is soul-sucking. I went from relying on credit cards to stashing 50% of my take-home into investments and it feels like a weight off my shoulders to know I can stop working for a year and still be ok. Kudos to you for coming on here and making the sacrifices. I know you will be successful, and future you will be thankful.
"Pet insurance" might mean something different to both people - I think Caleb means insurance to cover pet veterinary expenses, and the guest saying it is part of his "other" insurance because of the breed makes me think he has required pet liability insurance as part of his rental agreement - which is unlikely to cover unexpected vet costs. Worth checking into, IMO.
I have one credit card. One personal loan. One car loan. A ton of student loan debt. I’ve been watching Caleb’s videos for a couple months. I’m working on it. Lately I’ve paid off medical debt. Working on the credit card now. Then will hit the car loan, the personal loan, and then the student loans.
This is a good episode for me because I'm currently pursuing my own A+ certification so this is very helpful. Props to this guy for working his butt off to get his position, and for coming onto the show and recognizing he needed help managing his finances. I'm only 12 minutes in but he seems very upfront about his situation and bad habits, not acting dodgy or shady
ADHD can absolutely wreck someone's finances. And unfortunately, it's not as easy as just saying 'do better'. Treatment is paramount to get anything done.
This dude is great. He knew he was in a bad (somewhat) spot, came on the show, and genuinely listened to your advice happily. He's got a great head on his shoulders
Hey, as much as I love hearing about people's financial problems, I would also love to see people come on who have a good standing or what is an example who actually has their stuff together
Waited all day! Thank you again Caleb and superteam. This guy seems very sweet and I believe he's gonna do very well. Just very basic young guy who loves to have stuff and nice income kind of made it worse. I was same in my 20s. You go Stone 💪👍 I believe in you!
As a fellow ADHD person i feel for this guy. The impulse spending is real. I cant tell you how many times ive cleaned up my financial messes just to end up creating new ones in a couple months. We end up impulsively buying things we think will help solve our problems and they do for a bit and then we fall back into the same old routines. The thing that really helped me get my fully get my money in check was finding the right medication and some accountability from my husband.
ADHD is rough for finances. Pair it with my depression and it’s horrendous. Sometimes you’re just fighting for whatever hit of dopamine or serotonin you can get.
I paid off a consolidation loan that I took out before I found this channel. Only 2.5 years early. Next stop, an emergency fund, and then cash-flowing a wedding. Good inspirational and educational content on this channel.
I also have ADHD and what helps with my overspending is adding everything I like to my shopping cart, as if I’m going to purchase it, and then closing the browser cuz it’s not in the budget. Maybe a dangerous game but it works for me. And I make a list on my phone of things I want to buy. You’ll be surprised how much random crap you feel impulsed to buy and then realize it’s unnecessary after a few days.
If he wants to live in Colorado, even southern Colorado, he needs to keep in mind the difference in cost of living. I don’t know a ton about Iowa cost of living, but I’m fairly certain it’s much lower. A quick google search says the average cost of a two bedroom in Iowa is about $930 a month, but in Colorado you’re gonna be about $1650 a month. Gas is more expensive, food is more expensive, life is more expensive. I’m not gonna lie, I lived in Pueblo for a while and I loved it. That’s in southern Colorado, only about 45 minutes from the mountains. It’s cool, but $75k a year is not going to hit the same in Colorado. The Carolina’s are cheaper in general, though.
I just watched a ‘debt confession’ from someone in the states over 220k in debt - they earn 145k a year. And one stand out comment was ‘I’m already accustomed to this lifestyle’ and wanted to get other jobs/side hustles to pay off the debt, she thinks she can pay off in less than two years without budgeting. I just instantly thought she needs Caleb!
one thing I love about SoFi (I joined them on your referral, Caleb!) is their savings vaults. It's where I keep my emergency fund, other savings for specific personal goals, and I have one vault called 'splurge'. That's where we pull from when we want to do random fun things. If that vault is empty/insufficient, we don't do the thing at that time. SoFi has allowed me to get back into the envelope stuffing practice that helped me fund my wedding, plus your vaults earn the same high interest as their regular savings account. I love SoFi, in case you couldn't tell
Caleb, you are so inspiring ! Im 25 own a home with my husband, no debt besides the mortgage and I thought we were doing pretty well. Your videos make me want to do better ! I'm applying for more work as we speak listening to your videos as motivation! Keep it up ! Love from Sydney Australia 🦘
This was such a good episode. I feel like it's been awhile since the algorithm has given me a video where the guest LISTENS. Like, hello, you're here for help, listening is free. This dude was a breath of fresh air.
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Get your Rules For Not Being A F*ck Up here: calebhammer.com/rules
Just go for the M
Congrats! Cheering for your next milestone; you’ll be at a million so soon! Signed up for the rules; can’t wait to see them…
1m by EOY
Is there a link to the 2500cal shopping list for under $300 you keep mentioning
Hi Caleb I'm trying hard not to be a fuck up and so I am wanting to get a secured card to help my credit. I know you recommend Chime. Do you have a promo code for me to use? Also do you know how quickly they begin reporting to the bureau? I tried to sign up for Kickstart today and they couldn't verify my identity. Do you know of another thing like Kickstart? Thank you for helping me on my financial health journey
As a hairstylist, I am here to tell you NOBODY needs a $500 hair dryer.
Yes!!! Nobody!
As a former hairdresser.. 💯
I didnt even know those existed I thought i went fancy when I bought my fiance one for her birthday that was just under 200 bucks
My hairdryer was $15 at TJMaxx almost 7 years ago... I couldn't justify spending what is essentially a car payment for a hair tool..
@@EFW93 Lol Yep and those curling irons and crimpers. I think our hair looked better than as a society, we valued our hair more and didn't have the time or money to waste
I am literally DYING at you handing out laminated rules to the guests. Well done, Caleb.
Are taquitos on the list?
@@somethingshiny343 I don't think we're watching the same show. He literally advocates for everyone to go to therapy, puts it into everyone's budget, encourages guests to talk about financial issues with their therapists. He never claims to be a therapist. Would you rather him act as a doctor or psychologist when he doesn't have the credentials? The show is financial in scope. And people willingly apply to go through this process. If you're not a fan, don't watch.
"Found out i was ADHD and autistic."
Caleb-"Go cornhuskers?" 😂
Guy needs to learn the Adam Savage approach to buying things: First, buy the cheapest thing that will do the job. Then, when it breaks, if you're still enamored with that thing, you buy the nicest one you can afford.
I do this with car parts and tools 😂
Don't follow my father's modification for this approach: Buy the cheapest possible thing, be incensed and baffled when it malfunctions, and then buy the same cheap crap again to replace it.
@@SKetChy7100tools is exactly what it's intended for. I'm not sure about the car parts, seems like a recipe for lots of headaches & increased breakage. (Don't be me and save $1 on a VTEC solenoid gasket by buying it from the cheapest auction seller only to have to spend ~$60 in oil and valve cover gaskets replacing it a second time with one from a dealer that's made with the mesh on the correct side.)
@@EvilGenius007I misspoke, once an OEM car part breaks I replace it with the best thing possible
That works for tools, not sure how well it applies to other stuff. More general solution imo is when you want something, set a time in future you can buy it. Eg expensive light bulbs that arent really needed? Like 3 weeks.. If you still want them in 3 weeks get them. Most likely you'll forget about them before you get around to buying. Time to wait depends on how dumb and how expensive thing is.
What I'm learning from these episodes is that people are willing to do anything to get out of debt unless it is to either cut down on spending, getting rid of vehicles (or other luxuries) they don't need or bringing in more money. But other than that, people will do what it takes.
But the $6k debt motorcycle is so much cheaper on gas 🙄
Yup, they'll do anything... Convenient or easy... To get out of debt. As long as it's not hard or an actual sacrifice, they are good to go and ready
So then…that’s nothing lol
Don't forget getting a second job or working more. Other than that too, will do whatever you need.
Dying!
From saying he is taking a break from recording to Hammering out episodes still. Caleb’s consistency is so appreciated
Probably has a backlog that he can just release without having to create anything new.
He records 6 episodes a week so the backlog must be huge
@@darkfarfetch3664he kinda does, but some people don't respond to it well and the whole point is to help people and monetize it so he can afford to keep doing it and make a living from it
6/ week he claimed in a recent interview.
Hammering. Hehehe. Okay I'll see myself out 😂
One thing Caleb, when you recommend free fun I think you could throw some more love to public libraries. These days most of them offer streaming services, audiobooks, and some even offer access to tools and other stuff through a library of things!
Yes! The library has so much cool stuff. Ours has puzzles, board games, passes to local attractions, tons of kids activities. So much more than books.
Free ebook borrowing is great too! There’s also various classes and events going on in libraries as well
Ours even has limited tickets to local events. Went to a play for free this month.
What amazes me about this show is not just the finances but the unique and different personalities and mannerisms of each guest. They're all in chaotic debt but each individual comes across so differently. Manners, active listening, humour, at the right times, and positive body language can get you so far in life! This guy comes across well. This show is a series in character studies. Thanks Caleb and Super Team.
I don’t know why but when he said he spent all that money on smart bulbs and a hair dryer, I started laughing at the absurdity.
My hair dryer was $30 and it works great 😂
@@wordsalad01also a convenient excuse for many
@@wordsalad01add the best buy discount and best buy credit card and u get this combo
I didn't even know hair dryers for $500 even existed! Lol
@@Julia-b9x99% sure he bought the Dyson one lol
We really need a series that's "Caleb's Guide to Adulting" 😂 walk us through early life finance situations.
My husband and I paid off $7k in loans and saved up $11k. Thanks Caleb! Gonna sip on my iced latte i made I home and update our budget this morning
congrats :))
same. coffee brewed at home. save on gas, save time. used that saved time to budget.
"I need to quit being lazy and just actually make my own food and do meal prep." Thank heaven for a reasonable person realizing they can change their behaviour who is not making excuses on how it's cheaper/saves time to eat out!!
As an adult with ASD, I totally validate the roommate situation. things like messes can completely derail me. The noise, unexpected guests.. it's my own personal hell
My partner and I found that a roommate after 2020 was enough. But then my parents moved in this year but they are much quieter and keep to themselves when they are not working or helping with the grandkids. We all do our part or communicate at least when chores will get done.
Absolutely, I double that
I was just about to comment this. My brother has Asperger’s and I know how it would really bother him!
@@notclaire612the ammount of stress eating i would do with a roommate would probaply cost more than the roomemates part of the rent
yea same. the unpredictability of a roommate's behavior and their nonsense, something I have no control over, affecting the quality of my life is too much for me to take. i would live paycheck to paycheck on 2 jobs if it meant I was able to live alone without a roomie
Student loans are gone as of last week. Thanks for inspiring us Caleb.
Congratulations!
Congratulations
Congrats! I'm sure thats a big weight off your shoulders.
AYYE
you have a brain injury, if some random guy gave you inspiration you bot
This makes me feel so good about having bought my bike in cash and having a paid off car. Life is dope without monthly vehicle payments.
Having ADHD and ASD makes impulse control really really difficult, living with incompatible roommates genuinely impossible (because it can cause real consequences, like shutdowns or meltdowns which are genuinely harmful for mental and physical health), and makes meal prep a huge challenge. More than most people, the things that are “easier said than done” are GENUINELY a billion times easier said than done. There’s so much mental energy but into those “normal” every day tasks, and it’s completely draining, so I get it. It’s very give and take- we do our best though! It’s all about progress, not perfection- that’s what can build those habits to carry us through the extra hard stuff :)
I am a woman with long hair down to my butt and even I don't use a $500 hair dryer. He has no excuse 😂He definitely bought the Dyson one.
Dyson is such a cult
My blow dryer was $40 over 10 years ago 😂 it just started shorting out this weekend and I’ll have to get another one, but I won’t be spending over $50 for it
I don't even need a hair dryer, when it's over 115F outside 😮
At least he's honest and not trying to sugarcoat things.
Caleb's empathy for his guests seems to shine more with each new release. Not saying he was heartless in earlier episodes; just appears to be dialing in that balance between accountability and compassion. Good stuff Caleb & team.
Wow, he took accountability, admitted things he doesn't want to but is willing to try because he is aware of his situation and wants to change. Kuddos to you man, your life matters! You got this! Also, entering the holiday season, this is a perfect time to snag a gig job.
Stone is actually my irl buddy and he feels like shit due to his poor habits. I can tell you for a fact that he wants to change.
He's doing great. Just taking accountability, admitting he needs help and getting help is HUGE.
@@BoilingNuisance Oh absolutely. I'm really happy for him and hope to see his life turn around in a bit.
I'm sadly in a similar boat, but am working on myself too. So this is eye opening to me as well.
Mondays, Wednesdays and Fridays.... my favorite days of the week.... love the videos!!
Woooo!
60 dollar light bulbs?!?? 500 dollar hairdryer is wild.
Oh, to have that kind of money to throw away...
The dyson hair dryer is not throwing away.lightyears better and faster 😂 my ladies never going back..or her mom...or niece...they all got it now.@@samanthafreeman4315
Just paid off my 3rd credit card today!!! Thanks for yelling at me, Caleb!!!
I put myself in the guests' shoes when our situation is similar. I was doing it slowly and saving a bit, but watching made me realize I was doing it wrong!!!
started watching a few months ago, was about to go $20k into debt for a car, instead went and bought something i could afford cash on friday. thanks caleb 😌
Three credit cards down, one last card and $500 left on a personal loan to go. Thanks, Caleb, for the inspiration.
That’s got to feel so good! Congratulations!🎉
@@pinkyblessed2218Thank you! The end is in sight!
How much in total
@@turtleanton6539 About $5000 left.
I thought I was slacking with my budgeting skills but these people prove me wrong every episode. 😂 But damn, I need to see this hair dryer. 😂
Same same
@@WitchLioness with a defuser… 😂
I will say I immediately fell in love with my bff's Dyson and must fight the urge to buy it every time Amazon reminds me an item on my wishlist is on "sale" 😂 --tis truly a battle to resist the temptation of impulse buying
That’s def Dyson.
I have one and it’s really great, but I bought it cash with work bonus
Gotta have to top of th e line you can't afford when you work at home and have all day to let it dry....
Hearing Caleb try and pronounce Kum&Go was the highlight of this episode for me! 😂 Fellow Iowan 👋
I am only going to pronounce it the Caleb way from now on LOL
Rules for Not Being a F*ck Up - Iconic! Just got my own copy sent to my email. Thank you Caleb for bringing the most incredible content to your subscribers! Been following you since you were doing street audits, you are amazing!
“Yea because you probably sleep with it” 😂 the jabs Caleb gives are hilarious and sometimes it surprises me he doesn’t get backlash from the guest
Honestly, this is the only channel I wait to see a new episode come out. I’d appreciate any videos on retirement accounts. Maybe a 401k and Roth IRA video. That’s where I struggle.
The Money Guy Show maybe have the content you need. Their advice has already saved $ errors.
I don't think caleb will right now-- but i could definitely see the channel growing to that in the future
Good news on this is he has a LOT of extremely expensive stuff he can sell. Cameras, motorcycles, computer stuff, HAIR DRYERS, downgrade the car… all kinda of stuff that’s dragging him down that he can get done fast cash for to pay down the debt.
Thank you for having a semi normal person on for once. We getting tired of the lying nutjobs with impossible life situations and a 1% chance of succeeding.
I’m not 😂
@@alicelaybourne1620 you quote "impossible" as if the drugged out single mom with the 40 year old baby daddy (who was "abusive", but still got custody of the kids?) and no job or the drug dealing schizo living out of his car working in "logistics" have an honest chance of actually following this plan.
@@YouMissedBrodang! She was drugged out?? How did I miss that 😳
@@YouMissedBrowhere is such a blessed episode? 🤔 xx
Im here for entertainment, not realism, bring on the nutjobs! 😂
Caleb taking a page out of the Money Guy Playbook and having a laminated guide. Love it!!!
This is an excellent channel that I have shared with my students whos families aren't great with money. They are thankful for the channel recommendation, and are committed to breaking the trend.
I wish my friend was like that. Showed her the taquitos one hoping she would go down the rabbit hole and i don’t think she even watched it. If she did she didn’t tell me - I’m assuming it probably popped up a few too ugly heads in her life she didn’t want to face
I really appreciate this show thanks so much I try to watch every time
Thank you so much ❤
The worst part is that he can afford his lifestyle. But he can’t get it all right away. If he just saved for his motorcycle and his camera, etc. he would be able to afford it. He doesn’t have an income issue. Good for him, he just needs to learn how to spend within his means and save and he’ll be good.
I spent the first half of my 20s learning that lesson and I’m in the second half paying off my debt. I’ll be debt free in a couple months (besides my car). I’m not in a rush to pay it off because it’s at 2%
He's my irl buddy and he went on the show to "scare him" into actually changing his habits. I can applaud him for it.
Caleb this show makes me really appreciate my life and my girlfriends budgeting skills. After every episode I tell her how thankful I am for her.
I have a tip for you to share when you tell people to sell their vehicles if you haven’t covered it already. I sold my motorcycle in a Louisiana handshake deal and canceled my insurance soon after. Louisiana then charged me a sackful of fat stacks for every “uninsured” month I had my motorcycle. Since I couldn’t prove when I sold it, I ended up paying $500 in fines. Moral of the story is to notify the state you live in if you sell a vehicle and cancel your insurance - or keep good sales receipts.
Caleb, please know how incredibly helpful it is that you ask follow up questions on people’s careers, their paths leading to and through their positions, and stuff like that. I have a 14yo son who is gonna need to start thinking about this stuff in the next few years and it’s so nice to hear about these kinds of jobs that I’ve either never heard of or seemed like they’d be harder to get than they actually are. That info is so useful!
1. I love this channel SO much. Watch every episode.
2. Caleb, the new SAVE plan for student loans is income based but also does not accrue unpaid interest that the minimum payment doesn’t cover. It’s probably a great plan for most of your guests on the show. In my opinion it’s not a realistic option to pay the minimum for 25 years until the loans are forgiven, but it could significantly help while trying to get out of bad debt.
Replying to boost this comment.
Boost! Caleb seems to misunderstand the SAVE plan and how the interest works.
I just started a new job with a massive pay increase last month. Instead of letting lifestyle creep get the better of me like I have in the past, I’m keeping myself at my previous salary, taking all the additional income, and splitting it between debt payment and savings (high yield with Sofi 😉). I finally have a savings AND have paid off 2 credit cards in a month. Thank you for helping the thousands of us out here trying to be better with our finances!
Since watching in the past year, my wife and I have paid off 25K in student loans, I only have 19 months left on that, close to a 6 month emergency fund funded, and maxed out ROTH IRA.
Good for you! Hopefully you are also utilizing a high yield bank account for your more immediate cash as well, such as using Ally or if you can do direct deposit from your job, then SoFi also works
Using VIO, they have a better interest rate than sofi @@Calipicker
I love how Caleb says if your roommate is pissing you of have a conversation with them and if their a compete piece of shit just get a new one.... like it's that simple....I had a girl I had gone to school with contact me saying she had just moved back to town, that she was trying to buy a house but it fell through last min and she was getting killed living out of a hotel, like so many lies she said she had 2 jobs and all this money in the bank and I needed a roommate, so I went to the landlord and asked them to screen her like anyone else then put her on the lease... the landlord took the money for the background check then never actually ran it, I have the messages of them saying she was good to go the lease was signed and to go ahead and give her the keys.... she couldn't pay rent after the first month because she had no job she kept lying about being on paid leave to get settled and then story after story for a full month on top of finding out she was using some heavy stimulants with some delusions and mental issues, so after a month and a half I asked her to leave and she refused, I got in touch with the landlord who said they made a mistake and she had never actually sent the lease back to then so she wasn't technically on the lease and I said fine I'll pay the rent myself without a roommate just get rid of her and they thought all they would have to do is inform her she wasn't on the lease and she would leave... wrong... she refused to go anywhere the cops wer involved they wer at my apartment every week almost for the next 3 months... she would break into my room steal my shit, have mental breakdowns and just start bugging and there was literally nothing the cops could do because of squatters rights in ny.... she had to be evicted , which the landlord told me they wer doing but that was a lie... so I was stuck living with her for 7 months she didn't pay a single bill she didn't buy any of her own food and she had this little rat dog that shit all over the place.... my mental wellbeing went out the window, I finally said this is enough and after 4 months stopped paying the full rent and told the landlord I would start paying yr full amount again when she was gone... they said they understood, my lease came to a end and I left she was still there and 3 months later I found out I was due in court that I was being evicted from a apartment I hadn't lived in for 3 months, she didn't show up I did the judge took me off the eviction but this property manager not only wanted me to pay all the rent for when I was there but for the 3 months she had been there after I moved out😂😂😂the judge told them to get fuct basically and removed me... she somehow got a extension claiming that I sabotaged her getting to court😂😂 the judge let her have a new court date and she ended up dragging it out until September before being evicted so 5 months after I moved out she had been there in total for 10 months without paying rent..... the girl was scum and why I'll never have a roommate again ...I couldn't buy groceries cuz she would steal everything I bought, she would cook my Mac and cheese AND FEED IT TO HER DOG , after I stopped buying groceries I would catch her going through the garbage for shit I had thrown out.... fuck roommates
as someone recently diagnosed with adhd and really getting into why i‘m doing certain things the way i do and really work on myself, realizing my spending was completely out of balance, i kept buying stupid stuff because it gave me a dopamine high. the adhd tax is real and watching your videos made me so thankful i got a hold of my financial situation before it got out of hand. no loans. no credit card debt. no outstanding payments. a little amount in savings, insurance policies etc. but considering what i earn i could have probably put tripple the amount aside if i didn‘t always give in to my impulsive spending.
ADHD tax is real. It is a huge aspect to why I am not where I want to be financially. I'm working on reworking my brain processes when it comes to these things. I like to gamify things. Whenever I would save more money, I told myself I had a new high score. ;)
@@adrienmerliss9927gamifying helps so much!
Caleb has turned into one of my favorite creators. The quality of his videos just keep improving
It’s a habit for me to go to work and immediately open up yt to watch another financial audit
Since I started watching your videos I have finally been able to save up my 1 month emergency fund 🥳🥳 thanks Caleb
Congratulations!!!!
Congratulations 🎊
@@somethingshiny343cry about it
When the hammer meets a stone
Underrated comment right here lol😂
Oooh nice 👌
Stone, as someone who discovered their ADHD and autism in my 30s, after experiencing several episodes of autistic burnout without understanding what it was, the best advice I can give is get your finances in order. We MUST be equipped with a year+ emergency fund. Working when you just cannot handle anymore is soul-sucking. I went from relying on credit cards to stashing 50% of my take-home into investments and it feels like a weight off my shoulders to know I can stop working for a year and still be ok. Kudos to you for coming on here and making the sacrifices. I know you will be successful, and future you will be thankful.
Let’s goooo!! Hammer time with Financial audit!
My brain every Monday, Wednesday, and Friday.
My brain every Monday, Wednesday, and Friday.
"Pet insurance" might mean something different to both people - I think Caleb means insurance to cover pet veterinary expenses, and the guest saying it is part of his "other" insurance because of the breed makes me think he has required pet liability insurance as part of his rental agreement - which is unlikely to cover unexpected vet costs. Worth checking into, IMO.
I have one credit card. One personal loan. One car loan. A ton of student loan debt. I’ve been watching Caleb’s videos for a couple months. I’m working on it. Lately I’ve paid off medical debt. Working on the credit card now. Then will hit the car loan, the personal loan, and then the student loans.
They go to you good my guy
This is a good episode for me because I'm currently pursuing my own A+ certification so this is very helpful. Props to this guy for working his butt off to get his position, and for coming onto the show and recognizing he needed help managing his finances. I'm only 12 minutes in but he seems very upfront about his situation and bad habits, not acting dodgy or shady
10:00 He really pulled out the money guys move with the laminated paper! Lol
Hey Caleb
Watching from Kalamazoo. I tell all my friends at WMU and HCOB to check out your videos. We are so proud of you!!!!
I subscribed when you had less than 10k subscribers it’s amazing at how fast your channel grew
I loved the suggestion of envelope method in this video! I’ve known people who needed that method and it worked well for them.
ADHD can absolutely wreck someone's finances. And unfortunately, it's not as easy as just saying 'do better'. Treatment is paramount to get anything done.
Thanks to this channel I finally completely paid off my Student loan! Thank you Caleb!
Hell yes it’s Hammer day ❤❤❤
This dude is great. He knew he was in a bad (somewhat) spot, came on the show, and genuinely listened to your advice happily. He's got a great head on his shoulders
Hey, as much as I love hearing about people's financial problems, I would also love to see people come on who have a good standing or what is an example who actually has their stuff together
Waited all day! Thank you again Caleb and superteam.
This guy seems very sweet and I believe he's gonna do very well. Just very basic young guy who loves to have stuff and nice income kind of made it worse. I was same in my 20s. You go Stone 💪👍 I believe in you!
I really hope we get another visit from this guest, im rooting for him and i want to see succeed❤❤❤
As a fellow ADHD person i feel for this guy. The impulse spending is real. I cant tell you how many times ive cleaned up my financial messes just to end up creating new ones in a couple months. We end up impulsively buying things we think will help solve our problems and they do for a bit and then we fall back into the same old routines. The thing that really helped me get my fully get my money in check was finding the right medication and some accountability from my husband.
ADHD is rough for finances. Pair it with my depression and it’s horrendous. Sometimes you’re just fighting for whatever hit of dopamine or serotonin you can get.
Stone is my buddy and he hates the ADHD impulse spending.
I also have ADHD and ban myself from anything fun to avoid it.
Stone seems like a cool dude. Rooting for him throughout his debt journey!
I paid off a consolidation loan that I took out before I found this channel. Only 2.5 years early. Next stop, an emergency fund, and then cash-flowing a wedding. Good inspirational and educational content on this channel.
I also have ADHD and what helps with my overspending is adding everything I like to my shopping cart, as if I’m going to purchase it, and then closing the browser cuz it’s not in the budget. Maybe a dangerous game but it works for me.
And I make a list on my phone of things I want to buy. You’ll be surprised how much random crap you feel impulsed to buy and then realize it’s unnecessary after a few days.
If he wants to live in Colorado, even southern Colorado, he needs to keep in mind the difference in cost of living. I don’t know a ton about Iowa cost of living, but I’m fairly certain it’s much lower. A quick google search says the average cost of a two bedroom in Iowa is about $930 a month, but in Colorado you’re gonna be about $1650 a month. Gas is more expensive, food is more expensive, life is more expensive. I’m not gonna lie, I lived in Pueblo for a while and I loved it. That’s in southern Colorado, only about 45 minutes from the mountains. It’s cool, but $75k a year is not going to hit the same in Colorado. The Carolina’s are cheaper in general, though.
Was so nice to see someone who didn’t make an excuse every other second and fight the entire episode.
So happy when I refresh Caleb’s page and the new video pops up 🥰
Oh I just knew we were in for a doozy when he said his name is STONE
I love how there’s never a Segway to the sponsor it’s always just random “SAVING THAT MOOOOOONEYS” 😂😂😂
Love that he has a Discord channel for all the previous guests. That's a great idea.
I just watched a ‘debt confession’ from someone in the states over 220k in debt - they earn 145k a year. And one stand out comment was ‘I’m already accustomed to this lifestyle’ and wanted to get other jobs/side hustles to pay off the debt, she thinks she can pay off in less than two years without budgeting. I just instantly thought she needs Caleb!
one thing I love about SoFi (I joined them on your referral, Caleb!) is their savings vaults. It's where I keep my emergency fund, other savings for specific personal goals, and I have one vault called 'splurge'. That's where we pull from when we want to do random fun things. If that vault is empty/insufficient, we don't do the thing at that time. SoFi has allowed me to get back into the envelope stuffing practice that helped me fund my wedding, plus your vaults earn the same high interest as their regular savings account. I love SoFi, in case you couldn't tell
Caleb, you are so inspiring ! Im 25 own a home with my husband, no debt besides the mortgage and I thought we were doing pretty well. Your videos make me want to do better ! I'm applying for more work as we speak listening to your videos as motivation!
Keep it up ! Love from Sydney Australia 🦘
DUUUUUUDE!!! I'm from Iowa! Like I grocery shop in Mason City! So awesome to have someone from my state on this show!
Damn. I was all onboard with him impulse buying that motorcycle until he said he already had one 😅
Idk why I am addicted to watching these. Lol. Thank you for the consistent posts!! 🎉
Every time is watch Caleb, I immediately start paying bills 😂😂😂
Literally almost done paying off my credit card because of this 😂
@@tanialuv4920 congratulations!!!
Just when I was dry for content for the day Caleb drops some heat
I live in Scotland and its 8' at the moment and trying not to put the heating on lol 😢
Rules for not being a f up?? Did I miss the episode where this became a thing or is this the first one 😂
First one!
The laminated rules!!! IM HOLLERING. I love it
The Gordon Ramsey of personal finances. GO CALEB!
This was such a good episode. I feel like it's been awhile since the algorithm has given me a video where the guest LISTENS. Like, hello, you're here for help, listening is free. This dude was a breath of fresh air.
Just closed 2 out of 5 accounts! 700 down 5000 to go!!! Thanks for the inspiration Caleb!
Your never gonna make it just give up and give in
That's crazy...just sitting in Ankeny iowa watching this. Never thought I'd see someone from my home town on here
Canceled 300 bucks of monthly subscriptions, paying down debt $2000+ above minimums per month. Thank you Caleb!
Oh that “go Cornhusker’s?!?” hurt me real bad. At least he said it for Iowa State and not Iowa but as someone from Nebraska, that stung.
12:43 "Some of those "taquitos" are definitely motorcycle fuel". i'm shocked that people really buy gas at as taquitos stations.
Aye! Fellow Iowan! Ames here! Pumped for this episode.
I laughed out loud when Caleb pulled out his laminated list about how to not be a fck-up. Gonna have to visit the website and see the whole thing!
Currents shirt…this dude knows music. 🤘🏻
Just finished episode. This guy is gonna make it. Caleb provided the kick in the ass he needed.
My man’s buying that counterparts, born of Osiris, and of virtue merch. Love to see it… outside of the whole it being able to afford it thing haha
Just added reintentionize to my vocabulary. Thanks Caleb
I was scared Caleb wasn’t gonna post today but it was daylight savings and Arizona doesn’t do it so the video was out and hour later. So happy!
Same issue on Monday this week. It is what it is though.
@@somethingshiny343 lol sounds like somebody is broke, insecure, and dumb
Keep pumping these out please! So enjoyable to listen to during work.