Download the FREE Upside App at upside.app.link/hammer to get an extra 25 cents back for every gallon on your first tank of gas ▶LIMITED TIME: Join our investing program at $50 discount, and get $100 given to you in your investing account- making the program FREE for you... and they are hand-picked by me. calebhammer.com/investing/ The price goes up to $147 next month. The first 250 who will join me for an exclusive live stream going over my real estate investing portfolio and strategy also sold out, but it went so fast we are opening it to the first 500 now, so there is still time! ▶I can't believe there was even more to uncover, who tf is buying crap property in other countries??? Post show: ruclips.net/channel/UCLe_q9axMaeTbjN0hy1Z9xAjoin
Would love to join the investing course, finally at a stage where I'm starting to dip the toes into investing but I'm in Europe ... anyone have any knowledge on whether this will be helpful? I know it's super new and all.
@@noahweathers4891feel like we need a Worst-Of / Best-of Financial Audit. I don’t think she’s the absolute worst one but easily Top 10 and a decent contender for Top 5. We still got taquito-man, “Dr. “ cryptocurrency shiller, woman who is wanted in like 8 states and has a baby but wants to live in Kansas… it would be a pretty good March Madness bracket style competition 😂
I can’t even believe a lot of the stuff he says anyway because he answers stuff from a surface level point initially because it makes him look better generally
Caleb, I wanted you to know this morning I was running late and thought to myself, “I’ll grab lunch out” and heard you yell “PACK A SANDWICH!” So I timed myself to get out all things, pack lunch AND breakfast, and put it away, and it took me 2 minutes and 4 seconds. Thanks for saving me like 20 bucks today ❤
As a spanish speaking individual, the mother DID say SHE HAD A MORTGAGE BUT TO SEND HER THE PAYMENT INFO ANYWAY. She was wondering how to go about in order to pay it and was asking for what method should she pay it. THIS WAS NEVER TRANSLATED. Don't fucking lie about what your mother said.
That family is way too good for this douchebag. Cheap rent, free car, paying for school. Dude was given every opportunity by his first gen parents, and threw it all away. Repeatedly.
We knew he was lying front he fact that he casually forgot to mention the furniture in the place he was renting for cheap off of his parents was also his parents furniture.
He’s too anxious about $40 leaving his bank account to make minimum payments because “that’s a week’s worth of groceries” but spends $300+ on weed. Dude is proper fried.
@NickFallsFromTheRoof nah dude I've been smoking on and off since I was Like 19 and when I know I'm in a tight spot I stop addiction is just an excuse for idiots who have no diligence or accountability for themselves 🎉
Ok, Caleb should not judge him as a parent, but I will. As a parent, spending $300 a month on weed if you are worried about money is irresponsible and stupid.
Guys the mom in the phone call said that she’s going to pay it. She asked if she can have the methods of how she can pay it. She is saying she has a mortgage and hasn’t been able to pay it. At the end of the call, she asked her son to send her the payment info via email. She did not have a rude tone 😢 i wanted to comment this to speak up for the mom, and make sure it’s translated the best.
FOR CLARIFICATION: his mother was basically unaware that they were ready to be paid for. And she basically asked him for the information so that she can start making payments on it.
Why do you think she was unaware to be paid for?? She’s surprised that the total is $8k but she never said anything about not knowing they were ready to be paid…. The “I have a mortgage” came out quick I wouldn’t doubt this conversation might’ve taken place before and didn’t go anything like this but she knows she being recorded now too.
@@Locosalazar1322 The reason you can interpret it as not being ready to be paid is because she asks “well how do I pay it” and even says send me the information. She appears to be have no knowledge about how to pay, so it seems like he though she would just know how to pay it and didn’t tell her. Sad part is that means he could have gotten his certificate sooner he just didn’t tell his mom.
Hearing this guy talk about how he criticized a coworker for breaking a law when he has a literal anarchy symbol tattooed on his arm is hilarious to me.
Literally 😂 most people like that don't really know what they fight for. They like the idea, but don't do any research or actual dedication to the cause.
I love when people come on the show and say “I’ve seen the show” and STILL get surprised and act stupid when Caleb calls them out! This dude is getting absolutely JACK HAMMERED and I’m enjoying it. This is my new kink
I think they genuinely believe they aren’t doing things that wrong but come on here thinking Caleb will wave a magic wand and show them they just need to invest or make their children cheaper 😂
Coming from a Hispanic family, Mom did not take the TV away because he was being an angel, and she also didn’t pay for the certification because she didn’t want to. The fact that he was smoking weed tells me he was caught and was probably some sort of lazy bum just chilling, which is an absolute no in a Hispanic household.
44:25 She literally said "wow....ok well then I'll try to pay it....and how would i go about paying that?" He said "oh would you actually want to pay it? Ok well you can through...uhhh...i...i dont know actually." She said "ok well ill search for the paperwork and look around on how to start paying." Him "Ok should i send it?" Her "Yea send it through Email" Then yall started asking about why she hadnt paid it and she used her morgage as an excuse for not doing it so far. But she agreed to pay it and asked him to send her the needed information through email. Just had to say something on her part since her son didn't and Caleb's interpreter misheard her
Thissss!!! Made the same type of comment! And he wanted to continue looking like the victim, this was like the only thing Caleb was backing him up on he couldn’t let that up 💀 he needed to feel the victim validation.
This made me so mad. I speak Spanish and I can’t help but assume that this is a case where Mami babied her son into this - someone who blames her for their wrongdoings and doesn’t care to respect her.
Neither the guest or the “translator” spoke Spanish very well lol the mom sounded surprised how much the balance was and offered to pay the bill, she asked for the information via email so she can pay it. Sounds like the guest just never bothered bringing it up before and wanted to blame mom
My Spanish isn't good either, but I could also tell the guest seemed uncomfortable with Spanish. The idea that his mom only speaks Spanish, and that growing up with her he's not fluent in Spanish, it seems suspicious. That's highly unusual.
yea this dudes a professional victim. Idk how people like him are so arrogant. They don't even question their decisions rather they justify them to be good. Crazy to think his mom is willing to help yet he talks bad about his parents. Im from a Mexican family and I'm putting myself through college out of state while still doing what I can to help them. seeing this guy get everything handed to him and speaking about them like that pisses me off.
@@AgentOrange96not unusual. My parents and I didn’t have the best relationship growing up. (They didn’t care to be parents or bother to teach me Spanish.) They still only speak Spanish and growing up I used to only speak to them in English and they would respond only in Spanish. We both picked things up here and there because of it. Look up receptive multilingualism, it’s easier to understand a language then actually speak it.
@@AgentOrange96It’s not suspicious, his mom speaks English but would rather speak Spanish - my family is Portuguese and would speak English in the house but my dad’s fluent and I’m not, when I speak I would sound just like this guy. What’s suspicious about that 🤷♂️
@@churchofmarcus Being terrible at math can range from not understanding calculus to being unable to comprehend basic addition, subtraction, multiplication, divison.
I'm bad at math but good at logic. Interest is bad, I don't need to calculate that. 😂 Late fees are legalized theft, also bad. I don't need my TI-84 to figure it out.
Why not use the guests 2-300 estimated or his actual spending from last month? Caleb immediately inflated the guests initial estimation and just ran away with outrage. Which ok, some people need it - but lately I've noticed Caleb belittle the guests more then I feel is fair
I've done the same, ngl. After a situation of housing insecurity you kinda just go into survival mode and scape every penny you can- anything that not urgent and in your face takes a seat in the far back, so far it may as well be trailing the bumper.
Caleb!! Please continue to be super hard on people for bad habits too like smoking and stuff! I think the vast majority of people need tough love in their lives to fix things!
Did the translator say he was bi-lingual on his resume? Cuuuuuuuz he's not lol. She said she would pay it and even asked how does she go about paying it.
@@7scribthe kids Spanish was trash I’m not even saying that because it’s a different dialect he sounded like he barely knows Spanish and plus the whole video he was being a victim why would he correct the translation when the wrong translation makes him seem like a victim. 🤷♀️
My parents harass me and don’t respect boundaries and they treat me bad. Parents: only charging $500 in rent in Orlando Parents: bought 18k Jeep for me that i sold for 13k and kept the money 😐
See? There's always at least two sides to a story. Kids these days are SO quick to write off their parents for the smallest disagreement. Not everyone has toxic parents.
Evicted from a house he paid 500 a month for, that with the tv and things sounded already furnished, and yet imposing rules for his parents own property.. the audacity just shook me
Lmao, coming from a Hispanic family, I knew the guest wasn't lying when he said his mom said she would pay for school and then said you make money now you can pay it...classic!😂
Hispanic parents will promise you something thinking you won’t hold up your side of the promise. And then you surprise them and accomplished what you said you were gonna do and then they let you down don’t hold up their side of the promise. But yet still guilt you on other things. Classic!!
As someone with a Hispanic mother I have to tell people how real this is! Last time I was counting on her after I got wisdom teeth out because I was avoiding it due to it being expensive. She told me to go get it done and call her as I was at the desk. Tried to call for the card info as I was checking out... Nothing. You do learn to never take these promises very seriously.
I think his fiance took advantage of him and he took advantage of his parents to keep up with her. He is just immature in general. I don't think young adults today should have kids before 30.
Your spanish speaker gave a wack translation and made his mom look bad! She admitted to agreeing to pay for it, asked how much it was, said "wow, im going to try to pay it then", asked how to make a direct payment, he wasnt sure, she said to send her the info through email and when asked why she hadnt paid, she just said she has a mortgage and hadnt been able to....granted she might be lying about paying it because he was in front of people and latino moms do not want to look bad in front of people but dont twist her words!
I don't think he was twisting her words. I agree they weren't interpreted properly, but the interpreter was: (1) sitting too far and should have had the phone in his ear or should have been talking directly to her and (2) he did not do a real time interpretation, he just tried to summarize what was said, which you should never do as an interpreter. I think it was just a "I wasn't expecting what to do" as opposed to a "I'm going to twist her words." I think it's more negligent than anything. Also... the guest was clearly a no sabo kid. He shouldn't have had the phone haha
I was just coming to the comments to say the same. That was a terrible translation. He's a no sabo kid. Nothing wrong with that but that's not cool to pretend like you know.
Problem with VP, problem with colleague, problem with parents, problem with finance…I’m sensing a pattern here🤣🤣🤣Also, another one with a delulu score😂😂😂
Just wanted to say, I don’t comment on RUclips videos ever. I consume a lot of podcasts through RUclips during the day in between seeing patients and for the last 3 weeks I’ve habitually listened to probably a couple of dozen episodes. Hours and hours. You’re motivating me. The comment section is motivating me. These videos are literally improving my finances and my life. It’s given me drive for the past month after going 4 consecutive months of killing and destroying debt. I was slowing down a bit but you’ve sped me back up and have kept me pushing forward harder than ever. Keep doing what you’re doing man! I appreciate you guys very much.
Spanish speaker here, the mom said “she would pay for it and she asked him what does she need to do to pay it. Which he didn’t know the answer to so she will look for the info. How did he not already have the info to pay if he expects them to pay it.
@@AbdiasSanchezwell his Spanish ain't all that good either so I doubt his own language comprehension is good..Micah(Caleb's employee) doesn't seem very confident with his Spanish either or it didn't sound like he's used to translating/speaking spanish/or he was able to properly hear the mom Kinda annoyed and frustrated that his mom is gonna be portrayed this way for those that don't speak Spanish
As an immigrant child (Mexican). I would never let my mom pay for my expenses. They didn't have the same financial literacy that I had later in life. This sounded like mom wanted to help, and he is just full of crap.
The mom said she would pay it as soon as he called and she asked where she could pay it and this guy did not know how, so she said she would look for the paperwork. Then when Caleb asked the questions she asked for the info to be emailed so could pay it. The guy didn't even say thank you Mom!!
As someone who works in higher education, I've never heard of any institution requiring you to physically attend the graduation ceremony in order to receive the physical degree/diploma. Attending the ceremonies can get pretty expensive and isn't mandatory to show completion of programs. Due to the sheer amount of people likely graduating at the same time, they'll usually mail it to you or require you to come get it.
I work in Financial Aid, watching from WASFAA Summer Institute right now! And yeah, I haven’t heard of a school that gives out the REAL diploma at commencement. I have ONLY ever heard of papers being mailed out to the residential address on file with Registration. And the same goes for policies surrounding Student Account Balances (unpaid tuition and fees). When he started to say “I said no, give me the product I paid for” HE LITERALLY DIDN’T PAY FOR IT YET
Right?! I graduated in the 90's and we didn't get our actual diplomas until after the ceremony when we turned in the robes (cause they had to be rented.)
Dude I am 35 and watching Caleb has me so paranoid about credit cards and carrying a balance. I have one credit card and I pay it off every month now. My credit score has gone up quite a bit and is close to reaching 700! Thanks Caleb for instilling the fear of god in me and forcing me to get my shit straight.
I applied to a new card last year and without asking me what limit I want or need the bank gave me a card with 30k limit... I was so paranoid to even have a card with that kind of capacity that I just needed up canceling it. These videos are great for bringing in some awareness
The credit score system is a system to keep you poor. Its sad our society has baked it into everything. Go into debt, so you can show your good at going into debt, so we can go into further debt easier.
No judgement but the fact that people think they have no need to pay off a credit card every month is insane to me. Interest is a penalty, not a perk. Why would you ever have a CC you didn’t plan to pay off each period?
I got a chuckle when he asked Caleb if he ever had to deal with people before. Caleb took the words right out of my mouth. "Have you ever seen the show?"
The part about the parent saying she would pay for school ... this part gets me. At least his mom said, in spanish, she would still help him. My dad told me in high school all my college would be paid for if I just did what I was supposed to do and got good grades. He said not worry about anything and to make the most out of my college experience. After I graduated, I found out I have student loans in my name. ... Now Granted, I'm the one that went to school, it is my responsibility, but still, I was straight out lied to. Then, when I asked if he would help me after I graduated, he looked me dead in my eyes and said "You're an adult now, figure it out" ... this event has put into perspective for me who my dad is as a person
The American Academy of Pediatrics says zero screen time until 2 years. It delays development. I stay at home with my daughter (and work from home part time) and it’s tempting to turn the tv on but the path of least resistance makes for harder work in the future. We go to local libraries for free music classes and story time and the park. Get outside and find free community events. Turn off the tv. And here’s a fun fact: the French government banned tv channels from airing shows aimed at children under the age of three because of developmental and behavioral risks.
When my son was small, we had a record player and a record that sang about dinosaurs. He was so happy when we would play it. He would sit on my lap and sing with it. I miss those days.
I have a fizz card. I’m actually gonna see if I can get a custom one (I won’t if it costs anything) so Caleb can yell at me on Tuesdays and Thursdays too 😂😂
Finally bought the course. I’ve been following you for a long time i believe i remember when you had 50k subscribers if im not mistaken i dont know how i came across your videos. this is the first time ive bought something like this so i will comment again when I’ve gone through it! I think you have a good amount of trust with your audience and I’m glad to pay you for it. Keep doing you i appreciate it.
Caleb, I started my debt crushing journey last month, and I kid you not, May 2024 was the first time in my memory I have truly, verifiably, lived within my means. No credit card spending, froze them and erased them from my digital wallet. It's a work in progress, but I'm just getting started baby!
Keep it up! I started my journey in 2020 and now I am nearly done :) I had 41 000 € debt and my yearly income was around 19 000 net. I had to live extremely frugally, but now I'm nearly debt free. It all starts with an honest realisation: what do I make, what do I need to survive, how much can I put towards the debt? And then make a budget and stick to it :) You will make it!
at certain moments, Caleb's words just break through the wall in my mind and make it to a place where i really hear and understand them. it's honestly amazing how much this show has changed the course of my life for the better
5 minutes into the episode and Caleb is already pulling the “what are you on about” while the guest is explaining about the tv when he literally asked him how his parents harass him
Yep noticed it too. Literally asks him to elaborate, the guy does, then asks wtf he’s on about. Like he’s just trying to use anything to get a reaction, pretty annoying honestly.
Yeah he does that a lot. I don't think that it's a deliberate trap. I'm pretty sure Caleb is oblivious to the fact that he struggles to remember what was said/asked 5 seconds ago. He'll remember bigger questions and forget smaller ones as soon as the guest starts answering.
ESPN & Disney are bundled. I wish Caleb called him out on this. Shows that he's not gonna implement this budget by not including that. he's gonna keep spending on PPV fights haha
@@Fishouta Yes, I agree with you and we both know this and while I think they are probably sticking the kid in front of the screened quite often. I still don't see why that's allowable in the budget. There's mountains of free kids shows and stuff on RUclips
The mother was asking for the info on where and how to pay it during the phone call. She never said she's not going to pay it. She was actually telling him to send her the info and she will.
I think we need pallet cleanser episodes. Have people on that have worked the program just by watching. I’ll be the first! 😂 paid $64k off since starting a year ago. Got rid of a lease and paid off a bunch of other personal loans. Show people it can be done!
I commented a few months ago about my credit score, Caleb. I wanted to update you im currently at 727 because of you and your show!! 630 to 727 in like 9 months
Does this guy know that you don’t actually get the paper degree during graduation? They give you a placeholder booklet and send the degree in the mail later.
I live in Orlando, and I would NOT let this guy consult me on ANYTHING. It's very evident that his abrasive personality is the cause of why he has problems wherever he goes. He's definitely a problematic employee.
“Yeah they took the TV they gave my sister as a gift as I was watching it! So I had to move before I could afford it.” God I love the entertainment value of people like this
They always conveniently forget to mention all of their own bad behavior. All of the bad stuff just happens to them through no fault of their own. They never learn that they are the one man common factor in every bad thing going on so perhaps they are the thing that needs to change.
Paying 500 for a place in Orlando yet felt like his parents didn't have the right to come and go in their own property..hah, the audacity lol this episode is gonna be wild
Since I have found this channel, I have paid off all $3k of credit card debt, and I have closed 2 of the accounts. My only debt now is a student loan that is absolutely manageable. I cannot thank this show enough for encouraging me to get my shit together. 33, single income female, no sticky kids. Next is on to investing! THANK YOU!
That’s great Caleb has helped me recognize the era of my ways as well … I have lesa than 7k debt to my name and I paid off my student loans before Caleb my debt is zero interest so taking my time
From green lip stick to can’t stop smoking weed. I can’t wait to be on this show! I’ve talked to my wife about saving up for a trip, from Oklahoma so maybe expect us at the start of fall or winter
Currently listening to you while grading. Just wanted to say thank you for being a gateway to a younger group of students. Depending on the episode, I show my high school students (Math class) bits of your episodes and we talk about what could be done better or what certain things mean. Next thing I know I have students coming to tell me they subscribe and listen to every episode. I think it's awesome that you are able to appeal to such a wide variety of people out there and be effective in what information you're conveying. I appreciate you sir thank you again.
That's so kind of you! I didn't get a lick of financial education from the older generation ☹️ It's taken me to almost 40 to get out of debt and start saving
Great that you're doing this. Wish I'd had something like this when I was a teenager. Would love to know which clips you show and how you talk about them, so I could share with my teens
Hey Caleb, wanted to thank you for bringing up the idea of emergency fund, ever since I put up a 6 months emergency fund my mental state is way better, the stress on your day to day life is so different when you know you have at least 6 months secured.
I’m crying because I wish I had know of Caleb and this great advice BEFORE I spent so much in home renovations :( Starting from zero but trying to save my pennies now.
@@zb2363 ouch! but we all start at zero! i promise if you stick to the budget you'll get back up! and home renovations are important! we have to get a whole new roof and it's expensive, but it's vital for our wellbeing. just gotta bite that bullet til it's over, right? youve got this tho!
I love that the show guy that speaks Spanish was like nah bro don’t make him say that 😂😂 he knows the death that comes from speaking to his mom that way
That 30 minute mark hit me hard, being raised by two drug addicted parents who were never good with finances, i’m now 26 and having to take care of them financially while trying to build my own. Couldn’t do it without living through some of these people in that seat being yelled at by you. Thank you Caleb and all the guests thus far.
Since I’ve started watching this channel this year, I’ve paid off my credit cards, my student loans (wasn’t too much thankfully) and opened up an HYSA where I now have a super solid savings (on my way to 6 months expenses). Love these videos! I cringe so hard but it’s really just because I can relate to their mistakes and feel it personally but that’s also why the tough love was effective on me and why I love watching lol
And this is why I keep telling my fiance I don't want to have kids for awhile: they are EXPENSIVE and until you are ready to dedicate YOUR LIFE TO SOMEONE ELSE'S, specifically YOUR CHILD? You're not ready to be a parent.
My wife and I were married at 23 and immediately got pregnant. We traumatically lost the baby and didn’t speak of children for 10 years. Now we have three. I work, she is a stay at home mom and we have 0 debt. Cars paid off, house paid off, new hvac upstairs paid off, new hvac downstairs paid off. I still get sad about the loss but we would be in a much different place if we had kids that early
That’s smart! Enjoy each other! I was with my husband for 8 years before we finally had our first when I was 29 and he was 32. We’re now about to have our third child. 😊
I absolutely love Caleb's reaction to kids, because I am the same way. also, thanks to this show, I have paid off over $5k in credit card debt. and a aiming to be 100% debt free by end of year.
Caleb thank you so much - I have in the past few months realized I was being financially manipulated by a partner, paying a mortgage and paying for her wants was unsustainable. Now that I'm free, I have been able to save plenty. NO TAKE OUT, I decided to move next to the grocery store, and am investing in m health by going walking to a local gym.
Thanks to this show I’ve cut my “taquitos” spending down significantly bc I hear Caleb’s voice in my head saying “what are you??” every time I think about making a BS purchase. 🤣 40K net worth at 25 because of investing! Thank you financial audit for continuing to keep me disciplined!
Yassss girl keep it up and by 35 you'll have more than double that amount, especially if you can keep it in a 401k or money market! Get er done sister!
Caleb: suggestion. I don't think there's been a single guest that doesn't start drooling/short circuiting when you bust out the interest rates. It's like they have absolutely no idea what it is, like yes, buy now pay later, 0% interest! Then their rate changes, and they didn't realize just how much they are bleeding monthly just to keep things on cards. I feel like they don't understand just how quickly they add together. Some tangible way to compare lost interest to real life might help them. Having some of the document people go through with quick-maths to see "oh, your bs eating-out ALONE costs $160 a month on interest, you arent even making progress there" or "your financed energy drinks cost roughly 5$ a can instead of 3$", etc.
He should do it like an elementary school maths teacher and place a pizza in front of the guest. Say, "This is your monthly money." Then cut a wedge and say "This is how much debt your owe because you used a credit card." Then cut that piece up and say "You chose to only pay for this much of that piece." Set that aside and say, "Pretend you didn't then use this card again for anything." Go back to the original pie and say, "Now we have to take more from here because you only paid for that small slice off the big slice. This slice is the interest because you only paid some of it off." Then show a small sliver of pizza from a kther pie, like half a cm wide, and say "This useless bite is your 'cash back rewards.'" Then take that and set it aside. Then cut another chunk off the big pie and say, "Now, you have missed payments, so we need to take more from your total money. Add this chunk to the small sliver of "cash back." Say, "This represents the late fee money." Then put all the debt pie together and say, "This is all that you owe and lost from you total money because of your credit cards and just the CC's." Then set all of that aside and start carving the pie up to represent other bills not related to CC's, those interests, and any late payments.
A big motivator for me to pay off debt is I went through and totalled up all of my interest payments in a month. It was disgusting seeing that half a paycheck was disappearing to interest. (I get paid weekly)
I agree, some parts need a breakdown. They're not actually *feeling* the loss (and these people are mostly about feeling, not thinking). I have the same idea when he talks about eating out; most people associate eating out with actually seating at a restaurant, but they mentally discount getting takeout or Uber eats.
@@purpurina5663I assume that the really good simplified breakdown of how things like CC's and interest etc works is part of his program people pay for. If he gives it all away free, why would people become a member of his paid support system? The videos give just enough help for people to notice an issue, but not enough to help for free. Sure anyone could go research it themselves and look up everything he tells people, but the people coming on this show probably aren't going to go do that. Some turn their lives around, but there's a percentage who won't use the tools he gives them. The rest of us can research ourselves or pay to do his program.
as a general contractor, I find myself eating out nearly every meal because of the time it saves. After watching this show for several weeks now, I decided to cut out the middle man and started intermittent fasting. I feel much better and so does my wallet. Thanks Caleb and crew :)
I had a similar experience in the military. I didn't have money deducted for food like most people so I was able to take full advantage of it. I did 16hr fast with a snack late afternoon and a dinner. It felt good once you get into it.
Fellow grunt here... You can just meal prep lol. But oh my God I nearly had a stroke when I tracked how much I spent eating out at work. But if IF is working for you, then even more money saved!
As someone who also got burned by the "affordable healthcare" fraud I do sympathize with him there. My tax bill was HIGHER than the penalty for not having insurance alone, and I still paid $100 a month for the coverage. Such a scam.
Download the FREE Upside App at upside.app.link/hammer to get an extra 25 cents back for every gallon on your first tank of gas
▶LIMITED TIME: Join our investing program at $50 discount, and get $100 given to you in your investing account- making the program FREE for you... and they are hand-picked by me. calebhammer.com/investing/ The price goes up to $147 next month. The first 250 who will join me for an exclusive live stream going over my real estate investing portfolio and strategy also sold out, but it went so fast we are opening it to the first 500 now, so there is still time!
▶I can't believe there was even more to uncover, who tf is buying crap property in other countries??? Post show: ruclips.net/channel/UCLe_q9axMaeTbjN0hy1Z9xAjoin
Would love to join the investing course, finally at a stage where I'm starting to dip the toes into investing but I'm in Europe ... anyone have any knowledge on whether this will be helpful? I know it's super new and all.
😅😂
Is this course and the $100 credits applicable for Canadians?
@@LillianEmerald same question, is this applicable to European investing?
Hi
I’m still recovering from the green lipstick lady in the last episode, let’s see how crazy of a ride this guest is.
She was the worst guest in financial audit history 🤣
Couldn’t even finish the ep, she was terrible.
@@David-gr1do same, I think I gave up around 23 min in.
@@noahweathers4891feel like we need a Worst-Of / Best-of Financial Audit. I don’t think she’s the absolute worst one but easily Top 10 and a decent contender for Top 5.
We still got taquito-man, “Dr. “ cryptocurrency shiller, woman who is wanted in like 8 states and has a baby but wants to live in Kansas… it would be a pretty good March Madness bracket style competition 😂
@@David-gr1doits the only one i havent been able to finish she was awful
Caleb: why'd you miss your payment?
guest: well, it all began when I was born
LMAOO for real Everytime 🤣
Hahhaa he blame everything except him
And they always start their sentences with "So..."
I can’t even believe a lot of the stuff he says anyway because he answers stuff from a surface level point initially because it makes him look better generally
😂😂😂😂😂😂😂 Cuz the tv 📺 the parents gave the sister .
Caleb, I wanted you to know this morning I was running late and thought to myself, “I’ll grab lunch out” and heard you yell “PACK A SANDWICH!” So I timed myself to get out all things, pack lunch AND breakfast, and put it away, and it took me 2 minutes and 4 seconds.
Thanks for saving me like 20 bucks today ❤
Goooood gooooooooooooooooooood
Let the sandwich flow through youuuuu 🥪
Man wish i was that quick 😂
I love what is happening in this comment thread right now!😆
PACK A SANDWICH!
As a spanish speaking individual, the mother DID say SHE HAD A MORTGAGE BUT TO SEND HER THE PAYMENT INFO ANYWAY. She was wondering how to go about in order to pay it and was asking for what method should she pay it. THIS WAS NEVER TRANSLATED.
Don't fucking lie about what your mother said.
That family is way too good for this douchebag.
Cheap rent, free car, paying for school.
Dude was given every opportunity by his first gen parents, and threw it all away. Repeatedly.
Thank you. We need a Spanish speaker to translate the whole thing! They should've translated it in subtitles.
Thiiiiiis! It is annoying that he didn't fully translate everything she said.
Yeah why didn’t he tell him that she said she would pay??
We knew he was lying front he fact that he casually forgot to mention the furniture in the place he was renting for cheap off of his parents was also his parents furniture.
He’s too anxious about $40 leaving his bank account to make minimum payments because “that’s a week’s worth of groceries” but spends $300+ on weed. Dude is proper fried.
@@NickFallsFromTheRoof No
Late credit payment fees are a fantastic way to save $40 for groceries!
@NickFallsFromTheRoof nah dude I've been smoking on and off since I was Like 19 and when I know I'm in a tight spot I stop addiction is just an excuse for idiots who have no diligence or accountability for themselves 🎉
@@NickFallsFromTheRoofOh BooHoo!!! Loser weed addicts. He HAS A FAMILY TO TAKE CARE OF !!!!!!
@@NickFallsFromTheRoofdrug addiction cope
He chooses not to pay bills on time and get late fees... because he prefers having money in the bank??? Dude, you're doing it wrong
you missed the reason why later in the episode. Not the smartest decision...
That logic hurt my brain. Liked how Caleb was calling him out and he wanted to change the subject
Probably doing it in case he files for bankruptcy later.
@@clo2715 In that case you would think he'd just stash paper cash...
Debatable
Ok, Caleb should not judge him as a parent, but I will. As a parent, spending $300 a month on weed if you are worried about money is irresponsible and stupid.
Why can't Caleb judge him
You don't need to be a chef to know when food is burnt. Same as how you don't need to be a parent to know when someone is being shit at it.
@@jacobkooster7348 Caleb himself always days he shouldn't judge because he isn't a parent
@@hopfritx5045 he only says that because people sperg out when he calls people on being bad parents
Anytime someone says "As a parent," there should be an automatic trap door that appears under you and you fall through it.
Guys the mom in the phone call said that she’s going to pay it. She asked if she can have the methods of how she can pay it. She is saying she has a mortgage and hasn’t been able to pay it. At the end of the call, she asked her son to send her the payment info via email. She did not have a rude tone 😢 i wanted to comment this to speak up for the mom, and make sure it’s translated the best.
Yes! And I'm not sure why he didn't speak up and say "no, she said she wanted the payment info"
Thisss!!!
Yeah he’s a real piece of work for not letting Caleb know she said that
@vondrook4 to be fair to him, I don't think he understands spanish too well just from how he speaks it, he didn't understand what she said either
It seems like the mom never even got sent the info to pay it off. He probably never sat down with her and explained everything to her 😕
FOR CLARIFICATION: his mother was basically unaware that they were ready to be paid for. And she basically asked him for the information so that she can start making payments on it.
Why do you think she was unaware to be paid for?? She’s surprised that the total is $8k but she never said anything about not knowing they were ready to be paid….
The “I have a mortgage” came out quick I wouldn’t doubt this conversation might’ve taken place before and didn’t go anything like this but she knows she being recorded now too.
@@Locosalazar1322 The reason you can interpret it as not being ready to be paid is because she asks “well how do I pay it” and even says send me the information.
She appears to be have no knowledge about how to pay, so it seems like he though she would just know how to pay it and didn’t tell her.
Sad part is that means he could have gotten his certificate sooner he just didn’t tell his mom.
I paid off $13,000 of high interest student loan debt and it will hit 0 in two months! 🎉.
Thanks for the education, Caleb!
congrats!! how long did it take you?? amazing
Did you consolidate them or how? Just monthly?
Hearing this guy talk about how he criticized a coworker for breaking a law when he has a literal anarchy symbol tattooed on his arm is hilarious to me.
He is just a follower, hasnt had a unique thought since starting middle school
He probably doesn't understand it. People love to pick up iconography without understanding connotation
Well he did say papa Biden so...
Literally 😂 most people like that don't really know what they fight for. They like the idea, but don't do any research or actual dedication to the cause.
Lol
I can’t believe Hispanic Pete Davidson really said he was a 6/10…
😂
😂
Easily
Lol.
I'm dying with this comment 🤣
I love when people come on the show and say “I’ve seen the show” and STILL get surprised and act stupid when Caleb calls them out! This dude is getting absolutely JACK HAMMERED and I’m enjoying it. This is my new kink
I think they genuinely believe they aren’t doing things that wrong but come on here thinking Caleb will wave a magic wand and show them they just need to invest or make their children cheaper 😂
Pause
"Turn ons: watching other people getting financially shamed"
He's getting Caleb Hammered
Im not okay knowing that tid bit of info there
Coming from a Hispanic family, Mom did not take the TV away because he was being an angel, and she also didn’t pay for the certification because she didn’t want to. The fact that he was smoking weed tells me he was caught and was probably some sort of lazy bum just chilling, which is an absolute no in a Hispanic household.
The fact that it’s $300-$500 is insane I smoke weed and spend $60-$100 every two to three weeks still pay my bills
@@biancareyes766facts ….
Exactly!!!!!!!!!!
@@biancareyes766I'm exactly same 😂
@@biancareyes766like what is he smoking straight moonrocks?🤣
Popping in to say that I paid off my car today, and I could not have done it without this channel 🎉 Thank you Caleb and the Financial Audit Team!
24k of debt paid off, 8k left to go thanks to caleb! I'll be debt free by the end of the year
👏👏👏👏
Congratulations! That’s so awesome!
WOOOOOOOOOOOO
24k is actually insane, good for you
Such a good feeling! Keep up the great work 🎉
44:25
She literally said "wow....ok well then I'll try to pay it....and how would i go about paying that?"
He said "oh would you actually want to pay it? Ok well you can through...uhhh...i...i dont know actually."
She said "ok well ill search for the paperwork and look around on how to start paying."
Him "Ok should i send it?"
Her "Yea send it through Email"
Then yall started asking about why she hadnt paid it and she used her morgage as an excuse for not doing it so far. But she agreed to pay it and asked him to send her the needed information through email. Just had to say something on her part since her son didn't and Caleb's interpreter misheard her
Thissss!!! Made the same type of comment! And he wanted to continue looking like the victim, this was like the only thing Caleb was backing him up on he couldn’t let that up 💀 he needed to feel the victim validation.
I’m glad people are calling this out! He lied and didn’t tell Caleb!
This made me so mad. I speak Spanish and I can’t help but assume that this is a case where Mami babied her son into this - someone who blames her for their wrongdoings and doesn’t care to respect her.
I looked through the comments just to see if someone corrected the translation.
Thank you! I was so frustrated at that part. I wanted to jump through the screen and yelled at them, "That’s not what she said!" Lol
I was gonna pay my bills, but then I got high.
😂😂😂😂😂😂😂😂
The song 😂
🤣sang this comment
I messed up my entire life cuz I got high 🎶… I lost my kids and wife cuz I got high 🎶 … now I’m sleeping’ on the sidewalk and I know why 🎶 🤣
Neither the guest or the “translator” spoke Spanish very well lol the mom sounded surprised how much the balance was and offered to pay the bill, she asked for the information via email so she can pay it. Sounds like the guest just never bothered bringing it up before and wanted to blame mom
My Spanish isn't good either, but I could also tell the guest seemed uncomfortable with Spanish. The idea that his mom only speaks Spanish, and that growing up with her he's not fluent in Spanish, it seems suspicious. That's highly unusual.
yea this dudes a professional victim. Idk how people like him are so arrogant. They don't even question their decisions rather they justify them to be good. Crazy to think his mom is willing to help yet he talks bad about his parents. Im from a Mexican family and I'm putting myself through college out of state while still doing what I can to help them. seeing this guy get everything handed to him and speaking about them like that pisses me off.
@@AgentOrange96not unusual. My parents and I didn’t have the best relationship growing up. (They didn’t care to be parents or bother to teach me Spanish.) They still only speak Spanish and growing up I used to only speak to them in English and they would respond only in Spanish. We both picked things up here and there because of it. Look up receptive multilingualism, it’s easier to understand a language then actually speak it.
As a gringo who learned Spanish, the guest's Spanish really sucks
@@AgentOrange96It’s not suspicious, his mom speaks English but would rather speak Spanish - my family is Portuguese and would speak English in the house but my dad’s fluent and I’m not, when I speak I would sound just like this guy. What’s suspicious about that 🤷♂️
I went to High School with this kid and he has not changed at all.
Not shocked to hear he’s always been a dip$hit.
Did he have the anarchistic tattoo then?
He looks slow
He IS SLOW
some people are just not that bright
Really?
How do people not understand you have MORE money when you don't have interest and late fees?
Turns out, most people are terrible at math.
@@AnalyticalMenace you don't need to be good at math to understand something plus something is more than something plus nothing.
@@churchofmarcus Being terrible at math can range from not understanding calculus to being unable to comprehend basic addition, subtraction, multiplication, divison.
I'm bad at math but good at logic. Interest is bad, I don't need to calculate that. 😂 Late fees are legalized theft, also bad. I don't need my TI-84 to figure it out.
It is not about understanding Math. It is something that is way deeper than that.
$300-$500 spent a month on weed when he has a baby and won’t pay his bills…wow, just wow.
Why not use the guests 2-300 estimated or his actual spending from last month? Caleb immediately inflated the guests initial estimation and just ran away with outrage. Which ok, some people need it - but lately I've noticed Caleb belittle the guests more then I feel is fair
@@b1232r caleb is reading his bank statement. The guest is the one lying.
I think he forecasted basing on that it’s an addiction and the same dispensary repeatedly.
When someone says a range of prices it’s usually to make it sound better and the reality is in the middle so he’s probably spending $400 at least
@@b1232ryeah I unsubscribed for this reason but I keep coming back to watch😹🤭
I’m dying over this guy sitting on money and not paying bills. Dude, this is what the savings are for!
Only losing hundreds in fees and interest to get a few cents in savings interest 😂😂😂 absolutely insane he just has the money on hand
Only losing hundreds in fees and interest to get a few cents in savings interest 😂😂😂 absolutely insane he just has the money on hand
I think he doesn’t understand the concept of net worth. If he did, he’d see how that debt (and that interest) is undermining him.
I've done the same, ngl. After a situation of housing insecurity you kinda just go into survival mode and scape every penny you can- anything that not urgent and in your face takes a seat in the far back, so far it may as well be trailing the bumper.
Caleb!! Please continue to be super hard on people for bad habits too like smoking and stuff! I think the vast majority of people need tough love in their lives to fix things!
Did the translator say he was bi-lingual on his resume? Cuuuuuuuz he's not lol. She said she would pay it and even asked how does she go about paying it.
LOL wooow, this kid ain't sh*t.
If she said that then why didnt the kid say so.... He speaks Spanish...
@@7scribthe kids Spanish was trash I’m not even saying that because it’s a different dialect he sounded like he barely knows Spanish and plus the whole video he was being a victim why would he correct the translation when the wrong translation makes him seem like a victim. 🤷♀️
My parents harass me and don’t respect boundaries and they treat me bad.
Parents: only charging $500 in rent in Orlando
Parents: bought 18k Jeep for me that i sold for 13k and kept the money 😐
See? There's always at least two sides to a story. Kids these days are SO quick to write off their parents for the smallest disagreement. Not everyone has toxic parents.
I’m gonna ask this guys parents to adopt me, please!
@@maxwellgraves1668 momma probably cooks really well too!
10 minutes into the video and he’s already been evicted from his parents house, he’s been fighting coworkers. Seems like he has an attitude problem.
I was thinking the same thing. All these other people are the problem but the common denominator is him.
yep. small man syndrome.
Evicted from a house he paid 500 a month for, that with the tv and things sounded already furnished, and yet imposing rules for his parents own property.. the audacity just shook me
Nah I don't think so. Both those situations sounded valid to me.
@@talyahr3302 you think fighting coworkers is a common issue in an office environment?
Lmao, coming from a Hispanic family, I knew the guest wasn't lying when he said his mom said she would pay for school and then said you make money now you can pay it...classic!😂
making me feel better I went to the grad program I got a full ride instead of having my mom pay😂😂😂
Y tambien la chancla!
My parents pulled this ish on me often 🫠
Hispanic parents will promise you something thinking you won’t hold up your side of the promise. And then you surprise them and accomplished what you said you were gonna do and then they let you down don’t hold up their side of the promise. But yet still guilt you on other things. Classic!!
As someone with a Hispanic mother I have to tell people how real this is! Last time I was counting on her after I got wisdom teeth out because I was avoiding it due to it being expensive. She told me to go get it done and call her as I was at the desk. Tried to call for the card info as I was checking out... Nothing. You do learn to never take these promises very seriously.
The number of people who come on this show after having watched it who still say “won’t that impact my credit” is wild
"Have you ever had to deal with people?" to CALEB? I screamed
I have a feeling that someone took advantage and the parents had enough.
I think his fiance took advantage of him and he took advantage of his parents to keep up with her. He is just immature in general. I don't think young adults today should have kids before 30.
Bingo!
Taking the TV was a pretty unsubtle hint that they thought it was time for him to go.
Yup! She probably found out he was buying weed. If you have money for weed you have money for bills.
Your spanish speaker gave a wack translation and made his mom look bad! She admitted to agreeing to pay for it, asked how much it was, said "wow, im going to try to pay it then", asked how to make a direct payment, he wasnt sure, she said to send her the info through email and when asked why she hadnt paid, she just said she has a mortgage and hadnt been able to....granted she might be lying about paying it because he was in front of people and latino moms do not want to look bad in front of people but dont twist her words!
I agree!
Thank you for this!!! I swear I thought I had heard the conversation incorrectly when the guy was translating, it threw me off lol
I rewatched it a few times lmao just to be 💯 and then posted my comment too lmao
I don't think he was twisting her words. I agree they weren't interpreted properly, but the interpreter was: (1) sitting too far and should have had the phone in his ear or should have been talking directly to her and (2) he did not do a real time interpretation, he just tried to summarize what was said, which you should never do as an interpreter. I think it was just a "I wasn't expecting what to do" as opposed to a "I'm going to twist her words." I think it's more negligent than anything.
Also... the guest was clearly a no sabo kid. He shouldn't have had the phone haha
I was just coming to the comments to say the same. That was a terrible translation. He's a no sabo kid. Nothing wrong with that but that's not cool to pretend like you know.
Problem with VP, problem with colleague, problem with parents, problem with finance…I’m sensing a pattern here🤣🤣🤣Also, another one with a delulu score😂😂😂
If you have a problem with everyone, it’s not everyone that’s the problem, it’s you
Poor guy is surrounded by problems 😂
Clearly everyone else has to stop being a problem so he can have a better life
@@crissylulu”if you think everyone is an A**hole, you’re the A**hole.” Is the way I was taught and it’s served me very well in life. 😂
Relatively sane compared to the last few weeks of people
Just wanted to say, I don’t comment on RUclips videos ever. I consume a lot of podcasts through RUclips during the day in between seeing patients and for the last 3 weeks I’ve habitually listened to probably a couple of dozen episodes. Hours and hours. You’re motivating me. The comment section is motivating me. These videos are literally improving my finances and my life. It’s given me drive for the past month after going 4 consecutive months of killing and destroying debt. I was slowing down a bit but you’ve sped me back up and have kept me pushing forward harder than ever. Keep doing what you’re doing man! I appreciate you guys very much.
Well done ! Happy for you!
I also enjoy watching personal finance videos cos they keep me on track and make sure I don't fall off the wagon 😊
Your translator immediately got it wrong lmfao
Yeah he misheard "yo" (I) as "no". Instead of "I am going to pay it" he heard "no I am not going to pay it"
Nobody talking about that
@@drea409i think the translator also barely speaks Spanish
Spanish speaker here, the mom said “she would pay for it and she asked him what does she need to do to pay it. Which he didn’t know the answer to so she will look for the info.
How did he not already have the info to pay if he expects them to pay it.
Yeah thats on the guy at that point.
I love how Caleb's "interpreter" said she said she wouldn't pay it when she said she would and asked how she could do that.
Was looking for this comment. Also really shitty that this dude knew she said that and didn’t tell that to Caleb. Proceeded to call his mom a liar.
Yes! Thank you for bringing this up. That Puerto Rican guy is an idiot for not translating properly.
@@AbdiasSanchezwell his Spanish ain't all that good either so I doubt his own language comprehension is good..Micah(Caleb's employee) doesn't seem very confident with his Spanish either or it didn't sound like he's used to translating/speaking spanish/or he was able to properly hear the mom
Kinda annoyed and frustrated that his mom is gonna be portrayed this way for those that don't speak Spanish
Mom wants to pay directly, maybe he was taking money for school and spending in another thing. She asked for a way to pay directly
Exactly. They have probably spent a fortune on him and grandchild etc .. what he says would be the tip of the iceberg.
"how am I going to watch UFC" got me cackling
This dude's too young to know about the website with the bay where the pirates ships are. UFC popping up there every Sunday morning for free.
That Taquito vs Sweet-Treat IV fight is worth the subscription guys... way more important than the baby.
@@giantpunethe bay 😂 im 24 i know exactly what you’re talking about !
@@giantpune Lmao he's in IT ofc he knows what pirate bay is
Am I supposed to cuddle with the boys? …they would like that😂😂😂
As an immigrant child (Mexican). I would never let my mom pay for my expenses. They didn't have the same financial literacy that I had later in life. This sounded like mom wanted to help, and he is just full of crap.
The mom said she would pay it as soon as he called and she asked where she could pay it and this guy did not know how, so she said she would look for the paperwork. Then when Caleb asked the questions she asked for the info to be emailed so could pay it. The guy didn't even say thank you Mom!!
So what I’m hearing is he’s never done anything wrong ever in his entire life
Just like green lipstick lady
Yeah I’ve spoken to a Spanish person before
It's crazy how that one twitch girl who makes $2M per month gave herself an 8/10 and these people have been giving themselves a 6 or higher.
Here for my mid-week sweet treat 😌
Best way to start the... second half of the week, sure!
Here for my mid-week spring roll 😏
Taquito Monday, Spring Roll Wednesday and Sweet Treat Friday
Spring rolls! 😂😂😂
As someone who works in higher education, I've never heard of any institution requiring you to physically attend the graduation ceremony in order to receive the physical degree/diploma. Attending the ceremonies can get pretty expensive and isn't mandatory to show completion of programs. Due to the sheer amount of people likely graduating at the same time, they'll usually mail it to you or require you to come get it.
I work in Financial Aid, watching from WASFAA Summer Institute right now! And yeah, I haven’t heard of a school that gives out the REAL diploma at commencement. I have ONLY ever heard of papers being mailed out to the residential address on file with Registration. And the same goes for policies surrounding Student Account Balances (unpaid tuition and fees). When he started to say “I said no, give me the product I paid for” HE LITERALLY DIDN’T PAY FOR IT YET
This woman right here! I thought it was weird too but didn’t know much about that kinda thing
Right?! I graduated in the 90's and we didn't get our actual diplomas until after the ceremony when we turned in the robes (cause they had to be rented.)
Yes! I didn’t walk and got my degree.
Same I got my degree and walking isn’t required. Regardless his school is being shutdown. Not even sure it’s even a real school.
Green lipstick and Mr Taquito would be the ultimate collaboration video.
He financed his taquitos at 31% interest
Caleb, i went to a gas station today to use the bathroom and DIDNT get taquitos, thanks for screaming in my ear 3 times a week
its not even that good
GAS STATION BATHROOM??? What are you even doing??? Just buy a toilet for your bathroom and poop at home for free!!!!
@@space_monkey99you've obviously never eaten a gas station taquito.
Did you bring a sandwich from home too tho? 😂
I slipped, I bought a $3 slice of pizza at the grocery store tonight. It was delicious.
Dude I am 35 and watching Caleb has me so paranoid about credit cards and carrying a balance. I have one credit card and I pay it off every month now. My credit score has gone up quite a bit and is close to reaching 700! Thanks Caleb for instilling the fear of god in me and forcing me to get my shit straight.
Great work, keep it up!
Nice how long after paying it fully off did it take for your credit to improve
I applied to a new card last year and without asking me what limit I want or need the bank gave me a card with 30k limit... I was so paranoid to even have a card with that kind of capacity that I just needed up canceling it. These videos are great for bringing in some awareness
The credit score system is a system to keep you poor. Its sad our society has baked it into everything.
Go into debt, so you can show your good at going into debt, so we can go into further debt easier.
No judgement but the fact that people think they have no need to pay off a credit card every month is insane to me. Interest is a penalty, not a perk. Why would you ever have a CC you didn’t plan to pay off each period?
Dude you’re totally justified in your treatment of this guy. He’s got an attitude like hell
I got a chuckle when he asked Caleb if he ever had to deal with people before. Caleb took the words right out of my mouth. "Have you ever seen the show?"
@@Keyboard6304Caleb also mentions that he spent tons of time in sales. You know, selling to PEOPLE 😂
I paid off my credit card debt thanks to Caleb’s inspiration. Weight lifted! Now I’m being more conscious of my budget.
The part about the parent saying she would pay for school ... this part gets me. At least his mom said, in spanish, she would still help him. My dad told me in high school all my college would be paid for if I just did what I was supposed to do and got good grades. He said not worry about anything and to make the most out of my college experience. After I graduated, I found out I have student loans in my name. ... Now Granted, I'm the one that went to school, it is my responsibility, but still, I was straight out lied to. Then, when I asked if he would help me after I graduated, he looked me dead in my eyes and said "You're an adult now, figure it out" ... this event has put into perspective for me who my dad is as a person
Sorry, but it is good to know.
I just love the sigh when Caleb asks what they think their Hammer Score is and he is given a delusional number
They sound like Beldar Conehead trying to make up a social security number on the spot.
Idk I think the sigh at 51:08 when the guy almost admits he's not paying enough taxes takes the cake 😂
9 MONTH OLDS DO NOT NEED TO BE WATCHING TV
Already blaming his poor (financial) choices on his kid 😬 nothing is ever his fault
The American Academy of Pediatrics says zero screen time until 2 years. It delays development. I stay at home with my daughter (and work from home part time) and it’s tempting to turn the tv on but the path of least resistance makes for harder work in the future. We go to local libraries for free music classes and story time and the park. Get outside and find free community events. Turn off the tv. And here’s a fun fact: the French government banned tv channels from airing shows aimed at children under the age of three because of developmental and behavioral risks.
IPad kid army. It's so frickin sad.
Disney and ESPN are bundled and show up as Disney payments on accounts. It's for his UFC b.s
When my son was small, we had a record player and a record that sang about dinosaurs. He was so happy when we would play it. He would sit on my lap and sing with it. I miss those days.
Possible idea:
Have a fizz card with Caleb’s face on it that says “MAKE A F***ING SANDWICH”
I have a fizz card. I’m actually gonna see if I can get a custom one (I won’t if it costs anything) so Caleb can yell at me on Tuesdays and Thursdays too 😂😂
Holy shit 😂😂😂
Yes!!!!
The other side needs have Gordon Ramsey calling me an idiot sandwich
Just started watching Caleb's videos this week and it's crazy watching the slow descent into madness these guests are driving him into
Finally bought the course. I’ve been following you for a long time i believe i remember when you had 50k subscribers if im not mistaken i dont know how i came across your videos. this is the first time ive bought something like this so i will comment again when I’ve gone through it! I think you have a good amount of trust with your audience and I’m glad to pay you for it. Keep doing you i appreciate it.
Yes… would love to hear how it is… highly considering getting it as well
Caleb, I started my debt crushing journey last month, and I kid you not, May 2024 was the first time in my memory I have truly, verifiably, lived within my means. No credit card spending, froze them and erased them from my digital wallet. It's a work in progress, but I'm just getting started baby!
Meee too!! Congratulations, Adult Human 🙌
Great job! Keep going, and don’t give up!!!
WHOOOO!
🙌🏽🙌🏽🙌🏽keep it up!!
Keep it up!
I started my journey in 2020 and now I am nearly done :) I had 41 000 € debt and my yearly income was around 19 000 net. I had to live extremely frugally, but now I'm nearly debt free.
It all starts with an honest realisation: what do I make, what do I need to survive, how much can I put towards the debt? And then make a budget and stick to it :)
You will make it!
I had 8k debt on credit cards! Im finally debt free and building my emergency fund! Thanks Caleb!! Im finally a responsible adult 🙃
That's amazing! Good job!
Keep it up!🎊 ❤
WOOOOOOOOOOOO
This guy is a credit card companies ideal customer. Collecting both late fees and interest.
“Cash advance” surprise pikachu face
at certain moments, Caleb's words just break through the wall in my mind and make it to a place where i really hear and understand them. it's honestly amazing how much this show has changed the course of my life for the better
HIS MOM SAID SHE WOULD PAY FOR IT THAT HE JUST HAD TO EMAIL HER THE INFO IN THE CALL. HE WAS LETTING CALEB BELIEVE HIS MOM SAID SHE WOULDNT
He literally has 0 reason to do that and actually has complete incentive to not. She isn't going to pay or even the kid misheard her.
5 minutes into the episode and Caleb is already pulling the “what are you on about” while the guest is explaining about the tv when he literally asked him how his parents harass him
Yeah seemed a little like a trap there
Yeah I've noticed that in previous episodes too, like brother you literally just asked him to elaborate
Yep noticed it too. Literally asks him to elaborate, the guy does, then asks wtf he’s on about. Like he’s just trying to use anything to get a reaction, pretty annoying honestly.
Nah the guest was doing a whole lot of talking yet saying nothing at the same time. He takes forever to just say one simple thing
Yeah he does that a lot. I don't think that it's a deliberate trap. I'm pretty sure Caleb is oblivious to the fact that he struggles to remember what was said/asked 5 seconds ago. He'll remember bigger questions and forget smaller ones as soon as the guest starts answering.
Didn't he say the kid is like 9 months old? Why are you allowing anything for subscriptions? The kids shouldn't be watching anything on a screen
They're for him, not his kid
ESPN & Disney are bundled. I wish Caleb called him out on this. Shows that he's not gonna implement this budget by not including that. he's gonna keep spending on PPV fights haha
@@Fishouta Yes, I agree with you and we both know this and while I think they are probably sticking the kid in front of the screened quite often. I still don't see why that's allowable in the budget. There's mountains of free kids shows and stuff on RUclips
mY 9 mOnTh OlD wAtChEs BlUeY
I’m still hearing Caleb shout, “spring roll, spring roll,” in my sleep haha 🤣
🤣
I laughed SO MUCH during that part 😂
hit so much more than taquitos
This should be the top comment😂
Haha can add Have ever had to deal with people … spring roll spring roll spring roll !!!!😂
The mother was asking for the info on where and how to pay it during the phone call. She never said she's not going to pay it. She was actually telling him to send her the info and she will.
You should've called this episode "No sabo kid has no dineros".
I think we need pallet cleanser episodes. Have people on that have worked the program just by watching. I’ll be the first! 😂 paid $64k off since starting a year ago. Got rid of a lease and paid off a bunch of other personal loans. Show people it can be done!
Goodluck. 👍
I agree - even just someone somewhat level-headed and responsible in between all the “crazies” would be refreshing haha
“I feel a little called out right now”
Yes. Yes, you are.
The way he has shifty eyes when telling his convoluted stories or being asked questions🤣
I love checking the videos every couple hours to see what the new title is
I commented a few months ago about my credit score, Caleb. I wanted to update you im currently at 727 because of you and your show!! 630 to 727 in like 9 months
Does this guy know that you don’t actually get the paper degree during graduation? They give you a placeholder booklet and send the degree in the mail later.
I live in Orlando, and I would NOT let this guy consult me on ANYTHING.
It's very evident that his abrasive personality is the cause of why he has problems wherever he goes. He's definitely a problematic employee.
But with a great smile 😂
“Yeah they took the TV they gave my sister as a gift as I was watching it! So I had to move before I could afford it.” God I love the entertainment value of people like this
They always conveniently forget to mention all of their own bad behavior. All of the bad stuff just happens to them through no fault of their own. They never learn that they are the one man common factor in every bad thing going on so perhaps they are the thing that needs to change.
Paying 500 for a place in Orlando yet felt like his parents didn't have the right to come and go in their own property..hah, the audacity lol this episode is gonna be wild
I loved how Caleb’s simple “why aren’t you taking finances seriously” was answered with a while story about a totally different thing.
Since I have found this channel, I have paid off all $3k of credit card debt, and I have closed 2 of the accounts. My only debt now is a student loan that is absolutely manageable. I cannot thank this show enough for encouraging me to get my shit together. 33, single income female, no sticky kids. Next is on to investing! THANK YOU!
That’s great Caleb has helped me recognize the era of my ways as well … I have lesa than 7k debt to my name and I paid off my student loans before Caleb my debt is zero interest so taking my time
From green lip stick to can’t stop smoking weed. I can’t wait to be on this show! I’ve talked to my wife about saving up for a trip, from Oklahoma so maybe expect us at the start of fall or winter
Currently listening to you while grading. Just wanted to say thank you for being a gateway to a younger group of students. Depending on the episode, I show my high school students (Math class) bits of your episodes and we talk about what could be done better or what certain things mean. Next thing I know I have students coming to tell me they subscribe and listen to every episode. I think it's awesome that you are able to appeal to such a wide variety of people out there and be effective in what information you're conveying. I appreciate you sir thank you again.
That's so kind of you! I didn't get a lick of financial education from the older generation ☹️ It's taken me to almost 40 to get out of debt and start saving
@@Madamchief neither did I. Once I started listening to Caleb I paid off all of my buy now pay later options and have never gone back.
@@tylerbakker6 you're a role model to those kids! They better recognize 🤩
Wish I had had this in high school! Hopefully you can prevent some of those kids from ending up like some of these guests
Great that you're doing this. Wish I'd had something like this when I was a teenager. Would love to know which clips you show and how you talk about them, so I could share with my teens
Hey Caleb, wanted to thank you for bringing up the idea of emergency fund, ever since I put up a 6 months emergency fund my mental state is way better, the stress on your day to day life is so different when you know you have at least 6 months secured.
I’m crying because I wish I had know of Caleb and this great advice BEFORE I spent so much in home renovations :( Starting from zero but trying to save my pennies now.
@@zb2363 ouch! but we all start at zero! i promise if you stick to the budget you'll get back up! and home renovations are important! we have to get a whole new roof and it's expensive, but it's vital for our wellbeing. just gotta bite that bullet til it's over, right? youve got this tho!
@@zb2363 You're doing great, It might take a year or maybe 3, but after this road you'll feel the calm you always wished for.
I love that the show guy that speaks Spanish was like nah bro don’t make him say that 😂😂 he knows the death that comes from speaking to his mom that way
That 30 minute mark hit me hard, being raised by two drug addicted parents who were never good with finances, i’m now 26 and having to take care of them financially while trying to build my own. Couldn’t do it without living through some of these people in that seat being yelled at by you. Thank you Caleb and all the guests thus far.
Since I’ve started watching this channel this year, I’ve paid off my credit cards, my student loans (wasn’t too much thankfully) and opened up an HYSA where I now have a super solid savings (on my way to 6 months expenses). Love these videos! I cringe so hard but it’s really just because I can relate to their mistakes and feel it personally but that’s also why the tough love was effective on me and why I love watching lol
And this is why I keep telling my fiance I don't want to have kids for awhile: they are EXPENSIVE and until you are ready to dedicate YOUR LIFE TO SOMEONE ELSE'S, specifically YOUR CHILD? You're not ready to be a parent.
Smart smart smart, once you have a child, you immediately are number 2 and most times number 3, but you will never regret it. 😊
My wife and I were married at 23 and immediately got pregnant. We traumatically lost the baby and didn’t speak of children for 10 years. Now we have three. I work, she is a stay at home mom and we have 0 debt. Cars paid off, house paid off, new hvac upstairs paid off, new hvac downstairs paid off. I still get sad about the loss but we would be in a much different place if we had kids that early
That’s smart! Enjoy each other!
I was with my husband for 8 years before we finally had our first when I was 29 and he was 32. We’re now about to have our third child. 😊
Don't wait too long, remember that the first decade or so requires a lot of stamina. They definitely run everywhere.
They're only as expensive as you make them. There's ways to get cheap/free things, smart shopping, and other stuff.
As a Mexican yes you NEVER tell your mom that she's a liar. It won't end well.....
Chunclas can fly from Florida to Texas, they playing with fire.
Even though they deny everything! Lol
Boundaries....
That ain't just a Mexican thing. I'd never say that to my black mother either.
That’s most women
When your wife, the mother of your child, says you always have a "shit-eating-grin" I think you should maybe rethink some things.
4:35 lmao
Even if it's true?
To be fair: she obviously decided to marry that shit eating grin.
Yet she had a child with him. 🤦🏻♀️
@@ashleykathryn9038 ESPECIALLY if it's true.
Caleb Hammer: proving that shame still has its place in the modern world!
Caleb, obviously this brand and company is gonna grow and be so huge. Hopefully one day we can have a Canadian version of you 🇨🇦!!! 😄🤔💫
Another video where the IRS is like "oooohhh yeaaaahhhh we got another one boys!!!!"
51:08 Caleb when he realizes IRS agents are watching 😂
These financial audits have been the utterly needed kick in the ass to say "I really do not want to become them. I need to get this managed NOW!"
I went from the green listick lady to this gentleman. I need hypertension meds....😮😅
44:25 buddy the translator got it wrong. the mom said “lo voy a tratar de pagar entonces” which means “I’m going to try and pay it then.”
Appreciate when Caleb wears a different shirt in video than his sponsored promos. It’s so crazy to go mid convo to an ad and it’s the same shirt 😂😂
He only owns like 5 shirts lol
“I know I seem like a dick”
Nah, that was the most well earned chewing out I’ve seen on this show
Exactly
Dr Rosco was worse but definitely second most well earned
I'm glad the thumbnails aren't as over the top as they used to be!!! They have just the right amount of craziness now! 😆
I absolutely love Caleb's reaction to kids, because I am the same way.
also, thanks to this show, I have paid off over $5k in credit card debt. and a aiming to be 100% debt free by end of year.
Caleb thank you so much - I have in the past few months realized I was being financially manipulated by a partner, paying a mortgage and paying for her wants was unsustainable. Now that I'm free, I have been able to save plenty. NO TAKE OUT, I decided to move next to the grocery store, and am investing in m health by going walking to a local gym.
Thanks to this show I’ve cut my “taquitos” spending down significantly bc I hear Caleb’s voice in my head saying “what are you??” every time I think about making a BS purchase. 🤣 40K net worth at 25 because of investing! Thank you financial audit for continuing to keep me disciplined!
Yassss girl keep it up and by 35 you'll have more than double that amount, especially if you can keep it in a 401k or money market! Get er done sister!
Caleb: suggestion. I don't think there's been a single guest that doesn't start drooling/short circuiting when you bust out the interest rates. It's like they have absolutely no idea what it is, like yes, buy now pay later, 0% interest! Then their rate changes, and they didn't realize just how much they are bleeding monthly just to keep things on cards. I feel like they don't understand just how quickly they add together. Some tangible way to compare lost interest to real life might help them. Having some of the document people go through with quick-maths to see "oh, your bs eating-out ALONE costs $160 a month on interest, you arent even making progress there" or "your financed energy drinks cost roughly 5$ a can instead of 3$", etc.
He should do it like an elementary school maths teacher and place a pizza in front of the guest. Say, "This is your monthly money." Then cut a wedge and say "This is how much debt your owe because you used a credit card." Then cut that piece up and say "You chose to only pay for this much of that piece." Set that aside and say, "Pretend you didn't then use this card again for anything." Go back to the original pie and say, "Now we have to take more from here because you only paid for that small slice off the big slice. This slice is the interest because you only paid some of it off." Then show a small sliver of pizza from a kther pie, like half a cm wide, and say "This useless bite is your 'cash back rewards.'" Then take that and set it aside. Then cut another chunk off the big pie and say, "Now, you have missed payments, so we need to take more from your total money. Add this chunk to the small sliver of "cash back." Say, "This represents the late fee money." Then put all the debt pie together and say, "This is all that you owe and lost from you total money because of your credit cards and just the CC's." Then set all of that aside and start carving the pie up to represent other bills not related to CC's, those interests, and any late payments.
A big motivator for me to pay off debt is I went through and totalled up all of my interest payments in a month. It was disgusting seeing that half a paycheck was disappearing to interest. (I get paid weekly)
I agree, some parts need a breakdown. They're not actually *feeling* the loss (and these people are mostly about feeling, not thinking).
I have the same idea when he talks about eating out; most people associate eating out with actually seating at a restaurant, but they mentally discount getting takeout or Uber eats.
@@purpurina5663I assume that the really good simplified breakdown of how things like CC's and interest etc works is part of his program people pay for. If he gives it all away free, why would people become a member of his paid support system? The videos give just enough help for people to notice an issue, but not enough to help for free. Sure anyone could go research it themselves and look up everything he tells people, but the people coming on this show probably aren't going to go do that. Some turn their lives around, but there's a percentage who won't use the tools he gives them. The rest of us can research ourselves or pay to do his program.
as a general contractor, I find myself eating out nearly every meal because of the time it saves. After watching this show for several weeks now, I decided to cut out the middle man and started intermittent fasting. I feel much better and so does my wallet. Thanks Caleb and crew :)
That's a better life hack. Good for you!
I had a similar experience in the military. I didn't have money deducted for food like most people so I was able to take full advantage of it. I did 16hr fast with a snack late afternoon and a dinner. It felt good once you get into it.
Fellow grunt here... You can just meal prep lol. But oh my God I nearly had a stroke when I tracked how much I spent eating out at work. But if IF is working for you, then even more money saved!
I have this issue too and I only eat out or order out if I'm eating with someone and it's helped curb it for me.
Hard core. Beware of protein deficiency. I did this several years ago and got telogen effluvium baad. I lost half the hair on top 😅
As someone who also got burned by the "affordable healthcare" fraud I do sympathize with him there. My tax bill was HIGHER than the penalty for not having insurance alone, and I still paid $100 a month for the coverage. Such a scam.
He reminds me of every new hire that had 2 years of experience, but acted like they had 1,000 years of knowledge.