This man must live in corporate meetings where everything is discussed in a polite corporate tone, while ignoring or simply being totally blind the actual issue at hand.
@@wiseone98807 guy wanted to be the victim. Doesnt have a car payment because he was gifted a family vehicle. Thank god for the early struggle in my late teens and early 20s that force me to be stingy and live within my means
80k income, $100 in his bank account, and a million excuses. “I feel like I don’t even go out that much.” Dude you are in denial. Your credit card statement doesn’t lie.
Caleb, honestly, props on the patience. Lol he’s one of those guys that will say he agrees with everything you say, without actually thinking about it. “I think 20k savings is good for you” “Oh yea. I was thinking the same thing” “No fun spending till next year” “That’s how I look at it too”
The way that he immediately dismissed every single question Caleb asked in one vague acknowledgement before answering the question he wanted to instead, to the point that I don't think he actually heard a single word Caleb said, makes me genuinely worried that he treats his husband the same way.
He's very verbose and tries to hide behind word salads to explain away poor spending habits. Glad Caleb was able to sort through it and give him some great advice.
This was by far the most excruciating video in this series yet. Caleb: “You can’t have fun!” Guy: laughs and nods “Let me tell you about that debt…” This guy is insufferable.
That's what I do I don't budget but I record what I spent on what each month after the fact and compare it to other months so I can see if the trend is getting better or worse but I'm someone that's so frugal I don't even have to budget
Caleb....from years of experience in dealing with people...here is some free advice. From now on, you should only do these videos with the person in the same room as you. By doing this, you will have the ability to reach across the table and SLAP SOME COMMON SENSE in them.
Video Summary Caleb: A valid Point Him: "That's true, exactly." then long justification of why hes not doing the valid point, and doesn't want to. Then rinse, repeat with another one.
I'm glad y'all eventually discussed the overcomplication of all of this. My head was spinning as he was trying to explain his finances. It was like witnessing a juggling act but with all his money and side-hustles.
tbh I tuned out at like the 2:50 mark and kept struggling to pay attention to what he was saying lol so shoot if he was trolling he got away with it too😂😅
I couldn't imagine working with this guy. He would turn a 10 minute meeting into an hour discussion. He skirts around the answers and says a whole lot of nothing
You know when you're cycling uphill and you're so desperate to give up because it feels like it's draining your life source? That was listening to that guy speak
He has a stay at home husband who can't legally work yet, the husband can start cooking all meals for them and they can save a ton of cash just from that.
This is the person I’d slowly walk away from smiling and nodding, no explanations. Just further and further away 20 yards at a time. Something tells he wouldn’t even notice.
Kudos for your patience. He says so much without saying anything at all. I'm stressed today but I just can't even. Bravo to you. You started to learn you have to cut him off so you can make a point and you had to pull him on track a lot as he ignored your actual questions. Sometimes you have people that feel like characters lmao. This was another episode that made me anxious lol.
Wishing this guy the best! I think you did a good job of steering the conversation back to his core problem and didn't get lost in the weeds through all of the stories of how he arrived at xyz debt. From wikipedia, there is a great textbook definition of self-justification that matches a lot of folks you have on the show. "Self-justification describes how, when a person encounters cognitive dissonance, or a situation in which a person's behavior is inconsistent with their beliefs (hypocrisy), that person tends to justify the behavior and deny any negative feedback associated with the behavior."
So mom bailed him out, he rolled his eyes when he said she would just take it out of his inheritance.. he creates this ridiculous way of tracking his finances and that justifies his not paying off his debt. The husband isn’t working, it takes 3-5 months to get work card but I have a feeling that the husband came came over on visitors visa and they probably thought if they got married it would be easier to get citizenship.. not! Stupidity hurts and he whines too much, he did this to himself. Sacrifice is not in his vocabulary so I don’t see him contacting you in 7 months..
At the end, when he said it would take him 1 year to get one rid of the one debt and Caleb kept saying it would be 7 months for all to be gone... and he kept ignoring that...it was so hard to listen to the justification of that view of his debt over and over again.
Hey Caleb I think an awesome series you could do in the future is revisiting people that you have had on the show and seeing if their situations have gotten better or worse.
He is like many middle class kids…they understand finances but they want to live like their parents not understanding it took time to get there. When you’ve never struggled, you can either be super motivated to surpass your parents wealth or be very lax/comfortable knowing your parents will always bail you out. He could get 2 remote jobs and be completely out of debt in 6months. Tech Writer contract jobs pay $60/hr+ …. But I don’t feel like he’s got any hustle in him.
The first part of your comment really resonated with me, as a middle class child. And I’ve seen that work attitude/determination difference in many of my college friends that grew up poor vs upper middle class, it’s weird to see but makes sense after reading your comment.
This was me. Thank goodness I found this channel and am getting my shit together before it gets out of hand. Cannot thank Caleb and his guests enough for the insight they have given me in just under a month.
He kept going back to income and jobs as of he has an income problem. He has a spending problem. It shocks me that even intelligent folks often need help with day to day lifestyle skills. I applaud him for his honesty and vulnerability and I'm glad you were firm and dismissive of his dissonance because dissonance from a 0 sum budget is the problem here.
His arguments and explanations are so convoluted. Kudos to you, Caleb, for trying to keep up. It all comes down to math and we’ve always been told to SIMPLIFY.
He makes twice as much as me And I have 0 debt and eat at home. And I’m a high school drop out. Life is about choices. You don’t need to choose expensive Restaurants.
As he drones on, I imagine it must be what a foreigner feels like struggling to understand another language. He is so circuitous and never arrives at a concluding point.
I feel like he's overcomplicating things to the point of inaction. Which is probably why his mom is the only one who has put a dent in the debt so far. You've got the income - just pay it off and don't try and justify or reason with your approach.
He needs to SIMPLIFY! You’re right, Caleb. He should just follow the baby steps. He needs a simple action plan because he gets too in his head and is all over the place.
"she's going to take it out of my inheritance OF ALL THINGS". There have been episode's where I was like omg how are people making these choices, but this is the first time I just genuinely dislike this person's personality and attitude.
it's amazing that Caleb can find all these people who are good at making excuse, talk a lot but no substance. Hope some of them realize that trying to justify bad decision won't turn it into a good one, fix their financial situation and avoid becoming homeless
I think there is an emotional payoff here. As someone who was chronically in debt, I now see that I replaced my obnoxious parents with creditors. I turned 18, I slowly but surely was getting out from under their punitive/critical/authorative ways. I replaced them with punitive/critical/ authorative creditors. I had to follow their requirements and be controlled by them every month. I gave them my money...or else I got scolded and shamed into complying. There was no gert out unless I paid them off. There is a rebellious teen thing going on. It is very similar to that push/ pull with mom and dad. Chronic debt ensures that critical parent NEVER going away. There is a double payoff if parents get sucked back into having to helping out. Then parents become a personal creditor situation. They will put adult children BACK into child situation. Hopefully one day he gets tired of being in financial time out and grows out of the need for this dynamic.
So he works for a transportation company to make traffic stops more "efficient", but his communication style, his finances, his lifestyle, and even his camera angle are the complete opposite of efficient. 🤦 This is painful. Love your content Caleb, but man. This guy is rough.
Regarding the camera angle, I figured he probably did not want his full face on camera. Notice they didn’t have that portion in the beginning where the guests introduce themselves. He didn’t say his name so I’m sure he wanted some level of anonymity.
My uncle did the borrowing-from-his-inheritance thing, and he ended up owing all his siblings money when my grandparents died. Definitely a bad idea to borrow against your future.
I love these videos! It inspired me to start a budget and calculate how much was coming in and how much I was spending. And realized I was spending $60 more each month than I was bringing in. Scary. So the past few months have been budgeting and has been SO EFFECTIVE and already have a huge increase to savings and no debt ❤ thanks Caleb!
They need the tough love! I appreciate your firmness with some of these financial situations, many people never hear it from their close friends or relatives and they need to be told!
I think the most frustrating thing about this one is that he has the income and the solution is very simple yet he seems to have zero inclination to make the effort. He actually seemed annoyed his mom helped him with 11k of his very unnecessary debt by using his inheritance when most people don’t have parents who can do that for them lol His priorities are very off and he needs to get it together before he fumbles the 11k reprieve his mom gave him and ends right back at 25k smh
“Like” “ya know?” “Whatever” are words he needs to delete from his vocab. Goodness gracious. He knows this is to discuss issues with his debts, right? Not a “here are my excuses” over and over again. This one was hard to watch.
"I need to go out less" "But I dont go out much" He is in for a tough road ahead if I had to guess. Great advice on Dave with this guy. He is robbing Peter to pay Paul and confusing himself. He also acts like a teen and does not seem concerned over his behaviors.
So, nobody is going to point out that this guy probably got grifted by a vietnamese guy for citizenship? His story literally follows a textbook scam. He went overseas to meet this guy, spent a bunch of money on him, brought him back here and got married.
Some of these people could write a 500-page book on their own financial situation. It seems to me a lot of folks feel that their finances should be complicated in order to be successful and they end up lost in the complexity of their own making. The old adage is true: keep it simple stupid! I wish this guy the best.
@@billrhea I'm a nurse. I have patients like this chap. "Do you smoke?" "Well see...my cousin Billy an me went behind the barn on grandpa's tobacco farm when we were 8...my mom's dad..not my dad's dad. My dad's dad was a preacher. He broke off from the catholic church because of the scandal with the choir boys and then... "EXCUSE ME SIR DO YOU SMOKE!?!?"
This man did not understand what was being said to him AT ALL…. He didn’t get that you need to put all the extra on the debt not just paying the minimums
No kidding. Jumping through hoops to get a crypto credit card that gives him 2% back on certain items, in Ethereum. My dude, I have a card that gives me 2% back on everything, in USD.
Remember, one of the first 50k subs here with win 1k! This will be announced the day we hit 50k. :)
🤞🏾
Make it 100$ and give it 10 subscribers 😂
@@srikanth007spl yuyywweeee
50k? Lol😂🎉🎉🎉🎉🎉
He should be a politican. Says nothing with a lot of words. I do hope he gets the debt under control though.
NO! Please don’t encourage him 😂
Exactly he's feels so entitled and can't ever get to his point. He's very annoying.
Yes. Jesus fucking Christ. I couldn't make it past 2:28. I was listening, then I realised "It's a simple question that he elaborated for 2 mins"
That’s how you keep from taking responsibility, if you are clear and to the point there is a obvious problem and solution.
Facts, he just says alot of words without getting to the point
This man must live in corporate meetings where everything is discussed in a polite corporate tone, while ignoring or simply being totally blind the actual issue at hand.
😂
He is the guy that takes a 5 minute meeting and drags it to a 30 minute. Everyone is more confused and zoned out at the end.
Nah seriously
@@TriHard612 omg this 💯!
The over use of the word "like" and "or whatever" suggests otherwise.
Guy’s delusional…love that you said “I was almost proud of you for paying down your debt, until you said it’s because your mom paid it and not you”
Yeah that part hurt lol
Crushing
He’s also somehow upset that his mom helped him based on his tone. Entitlement out the butt
@@wiseone98807 guy wanted to be the victim. Doesnt have a car payment because he was gifted a family vehicle. Thank god for the early struggle in my late teens and early 20s that force me to be stingy and live within my means
Caleb: "How much is your car worth?"
Blondie: "Um...so actually...that's a funny story..."
Caleb: "HOW. MUCH. IS. THE. CAR. WORTH."
These people just love to hear themselves talk. Worst part is they say so much that you just get lost. Corporate is in his blood.
Project manager on duty. Captains chair 💺💺💺 Homeboy is all 🧢🧢🧢🧢
Not looking at the camera is kind of a metaphor for how he manages his money.
Makes me think he is missing an eye lol
@@Chris_t0 if he is missing an eye, why would that be funny to you?
@@harjimbaugh4234 Hiding it is the funny part Karen, and yes he has eyes.
This is "Profile Man"
@@Chris_t0 Who TF u calling a Karen?
This dude is exhausting. He needs someone in his life to tell him, “no.”
Right! And clearly his husband won’t be the one
“No. No more stories, no more justifications.” Seeing Caleb finally have enough was worth making it to 19:12
80k income, $100 in his bank account, and a million excuses.
“I feel like I don’t even go out that much.” Dude you are in denial. Your credit card statement doesn’t lie.
This man has a great talent for using as many words as possible to answer fairly simple questions
This dude is an Energy Vampire...
Fuuuuuuuuck. Colin Robinson vibes all over the place 😱
Yes. I would have been bald by the end of the interview.
This guy is a very high functioning child. Technically very capable but poor discipline and self awareness.
5 minutes in and I'm like omg, he's long winded and not saying anything at the same time. 😬
I'm feeling your expressions Caleb!!
Perfect manager. Doesn't know anything but can bullshit his way out.
Literally just keeps talking and talking in circles and saying nothing.
Caleb: "What are the side hustles?"
Interviewee: "When I was but a young happy lad..."
😂😂😂 that’s so true omg
Caleb, honestly, props on the patience.
Lol he’s one of those guys that will say he agrees with everything you say, without actually thinking about it.
“I think 20k savings is good for you”
“Oh yea. I was thinking the same thing”
“No fun spending till next year”
“That’s how I look at it too”
Yeah he was hearing, not listening. Hope he gets serious about the debt soon.
The way that he immediately dismissed every single question Caleb asked in one vague acknowledgement before answering the question he wanted to instead, to the point that I don't think he actually heard a single word Caleb said, makes me genuinely worried that he treats his husband the same way.
Someone commented it’s like he lives in a corporate meeting and it explains him perfectly
He's very verbose and tries to hide behind word salads to explain away poor spending habits. Glad Caleb was able to sort through it and give him some great advice.
I hope he turns it around :)
It was like listening to a Jordan Peterson lecture 😂
Word salad 🤦🏾♀️ Perfect description.
Justifying debt. Benefitting from generous gifts by parents. No willingness to change lifestyle. What a recipe for success.
He is pretty much tracking his spending and not actually budgeting 🤣
Yeah lol
Yes😮
This was by far the most excruciating video in this series yet.
Caleb: “You can’t have fun!”
Guy: laughs and nods “Let me tell you about that debt…”
This guy is insufferable.
I think that stupid upward inflection on every half sentence compounds the shite he talks.
"I record where I spend every dollar, but I overspend $1000/month" Wow. This one is super simple, he just needs to get his spending under control.
Exactly lol
That's what I do I don't budget but I record what I spent on what each month after the fact and compare it to other months so I can see if the trend is getting better or worse but I'm someone that's so frugal I don't even have to budget
The old saying: “a budget is useless if you don’t stick to it, then it’s just meaningless numbers on a page”
Caleb....from years of experience in dealing with people...here is some free advice. From now on, you should only do these videos with the person in the same room as you. By doing this, you will have the ability to reach across the table and SLAP SOME COMMON SENSE in them.
Video Summary
Caleb: A valid Point
Him: "That's true, exactly." then long justification of why hes not doing the valid point, and doesn't want to.
Then rinse, repeat with another one.
Everythingggg. Lol
Facts! He gave me a headache!
bruh he is perfect for customer service
🤣🤪Facts
I'm glad y'all eventually discussed the overcomplication of all of this. My head was spinning as he was trying to explain his finances. It was like witnessing a juggling act but with all his money and side-hustles.
I’m not convinced this guy wasn’t just trolling us.
tbh I tuned out at like the 2:50 mark and kept struggling to pay attention to what he was saying lol so shoot if he was trolling he got away with it too😂😅
I couldn't imagine working with this guy. He would turn a 10 minute meeting into an hour discussion. He skirts around the answers and says a whole lot of nothing
You know when you're cycling uphill and you're so desperate to give up because it feels like it's draining your life source? That was listening to that guy speak
He has a stay at home husband who can't legally work yet, the husband can start cooking all meals for them and they can save a ton of cash just from that.
That would be TOO EASY
This is the person I’d slowly walk away from smiling and nodding, no explanations. Just further and further away 20 yards at a time. Something tells he wouldn’t even notice.
Kudos for your patience. He says so much without saying anything at all. I'm stressed today but I just can't even. Bravo to you. You started to learn you have to cut him off so you can make a point and you had to pull him on track a lot as he ignored your actual questions. Sometimes you have people that feel like characters lmao. This was another episode that made me anxious lol.
I cannot be convinced this dude wasn't high while he was being interviewed.
I nearly spit out my lunch and nearly laughed when I saw your comment! 😂🤣 This guy sounds delusional and I think he's either drunk or on drugs.
@@denismcelligott4088 I think it’s a little of both
That’s exactly what it sounds like lol talking in circles
“I have no confidence that you’re going to cut back on your lifestyle and start paying back this debt”
“Right 😀”
😬😬😬
Wishing this guy the best! I think you did a good job of steering the conversation back to his core problem and didn't get lost in the weeds through all of the stories of how he arrived at xyz debt.
From wikipedia, there is a great textbook definition of self-justification that matches a lot of folks you have on the show.
"Self-justification describes how, when a person encounters cognitive dissonance, or a situation in which a person's behavior is inconsistent with their beliefs (hypocrisy), that person tends to justify the behavior and deny any negative feedback associated with the behavior."
Great comment :)
This dude could run a marathon with his mouth and not even try.
So mom bailed him out, he rolled his eyes when he said she would just take it out of his inheritance.. he creates this ridiculous way of tracking his finances and that justifies his not paying off his debt. The husband isn’t working, it takes 3-5 months to get work card but I have a feeling that the husband came came over on visitors visa and they probably thought if they got married it would be easier to get citizenship.. not! Stupidity hurts and he whines too much, he did this to himself. Sacrifice is not in his vocabulary so I don’t see him contacting you in 7 months..
This guy fails to realize that he could drop the side gigs if he had no debt. He’s working overtime to pay the interest.
Word salads left and right. The faces Caleb makes through this are hilarious.
He’s doing ✨aspirational budgeting ✨ he budgets using income he aspires to have loll
I too have a budget that consists of: “I look at my money disappearing and darn it sucks”
FYI:
That gaming chair was bought with a credit card, and is costing him 3X what it actually cost.
YEY!!!
If I remember correctly he has payments on an espresso machine yet still gets coffee from shops? Oh boy.
His relaxed view of his incredibly stupid debt is infuriating. There is no reason to have a "beer budget" when you are 20k+ in debt.
At the end, when he said it would take him 1 year to get one rid of the one debt and Caleb kept saying it would be 7 months for all to be gone... and he kept ignoring that...it was so hard to listen to the justification of that view of his debt over and over again.
Never have I been so grateful for commercial breaks so my mind can unwind! Caleb, you are so patient. I'd be screaming, "Stop talking, listen to me!"
🤣🤣🤣
Hey Caleb I think an awesome series you could do in the future is revisiting people that you have had on the show and seeing if their situations have gotten better or worse.
He wanted this guy off the call so bad. Omg he’s so long winded while somehow saying nothing
😂
The privilege of having a parent pay off 11k of your debt.
He is like many middle class kids…they understand finances but they want to live like their parents not understanding it took time to get there. When you’ve never struggled, you can either be super motivated to surpass your parents wealth or be very lax/comfortable knowing your parents will always bail you out. He could get 2 remote jobs and be completely out of debt in 6months. Tech Writer contract jobs pay $60/hr+ …. But I don’t feel like he’s got any hustle in him.
The first part of your comment really resonated with me, as a middle class child. And I’ve seen that work attitude/determination difference in many of my college friends that grew up poor vs upper middle class, it’s weird to see but makes sense after reading your comment.
This was me. Thank goodness I found this channel and am getting my shit together before it gets out of hand. Cannot thank Caleb and his guests enough for the insight they have given me in just under a month.
He kept going back to income and jobs as of he has an income problem. He has a spending problem. It shocks me that even intelligent folks often need help with day to day lifestyle skills. I applaud him for his honesty and vulnerability and I'm glad you were firm and dismissive of his dissonance because dissonance from a 0 sum budget is the problem here.
His arguments and explanations are so convoluted. Kudos to you, Caleb, for trying to keep up. It all comes down to math and we’ve always been told to SIMPLIFY.
Woop something to listen to while im working :D Your videos have made me so much more financially proactive and self aware
Thank you so much :)
Finally received the last student loan statement
I'm officially debt free 🎉🎉
Thanks for all the content Caleb!
EDIT: Thank you all 😁
Congratulations!!
WOOOOO!!!! 🎉🎉🎉🎉🎉🎉
Congratulations!!!!🎉
Phenomenal
That's great! 🎊🎉🎊
Honestly, a top contender for most painfully annoying financial audit on this channel
I don't like the angle of his camera...
I think the interviewee set it up. Looks like they're not actually in the same location for the interview
Yeah, it's his setup
Sry . This one was too difficult to watch. The immaturity and lack of responsibility was triggering.
Agreed, I couldn't watch past 15 minutes. It was awful. And the amount of times he says "like" is triggering me af
I'm ready to throw my shoe at television listening to this individual talk to Caleb🤣🤣🤣🤦🏾♀️
driving me absolutely insane🥴
Great drinking game: Take a sip everytime he says like, Take a shot everytime he says complete nonsense for reasonings. Blacked out in no time
He makes twice as much as me
And I have 0 debt and eat at home.
And I’m a high school drop out.
Life is about choices.
You don’t need to choose expensive
Restaurants.
As he drones on, I imagine it must be what a foreigner feels like struggling to understand another language. He is so circuitous and never arrives at a concluding point.
I’ve never wanted a follow up video more than this guy.
Just the opposite here. Can’t stand to listen to the guy any longer. How nobody asks him to shut the F up every time he opens his mouth is beyond me.
A whole bunch of word salad 🥗
nom nom
I really see you up there with guys like Graham and Andrei. Keep it up Caleb.
I appreciate that ☺️
Lol, I have no idea who these people are!
Graham Stephen and Andrei Jikh, Finance RUclipsrs. I prefer Caleb.
Caleb: "Why don't you?" Him: "Right, exactly!"...... Don't think he understood the question lol
I feel like he's overcomplicating things to the point of inaction. Which is probably why his mom is the only one who has put a dent in the debt so far. You've got the income - just pay it off and don't try and justify or reason with your approach.
lol i should have kept watching til the end before commenting. this is exactly what you said!
He needs to SIMPLIFY! You’re right, Caleb. He should just follow the baby steps. He needs a simple action plan because he gets too in his head and is all over the place.
"she's going to take it out of my inheritance OF ALL THINGS".
There have been episode's where I was like omg how are people making these choices, but this is the first time I just genuinely dislike this person's personality and attitude.
it's amazing that Caleb can find all these people who are good at making excuse, talk a lot but no substance. Hope some of them realize that trying to justify bad decision won't turn it into a good one, fix their financial situation and avoid becoming homeless
I think there is an emotional payoff here. As someone who was chronically in debt, I now see that I replaced my obnoxious parents with creditors. I turned 18, I slowly but surely was getting out from under their punitive/critical/authorative ways. I replaced them with punitive/critical/ authorative creditors. I had to follow their requirements and be controlled by them every month. I gave them my money...or else I got scolded and shamed into complying. There was no gert out unless I paid them off. There is a rebellious teen thing going on. It is very similar to that push/ pull with mom and dad.
Chronic debt ensures that critical parent NEVER going away. There is a double payoff if parents get sucked back into having to helping out. Then parents become a personal creditor situation. They will put adult children BACK into child situation.
Hopefully one day he gets tired of being in financial time out and grows out of the need for this dynamic.
Definitely the worst of the audits… made me want to pull my hair out and in the end we got nothing out of him nor do we believe he’ll do anything
So he works for a transportation company to make traffic stops more "efficient", but his communication style, his finances, his lifestyle, and even his camera angle are the complete opposite of efficient. 🤦 This is painful. Love your content Caleb, but man. This guy is rough.
Regarding the camera angle, I figured he probably did not want his full face on camera. Notice they didn’t have that portion in the beginning where the guests introduce themselves. He didn’t say his name so I’m sure he wanted some level of anonymity.
My uncle did the borrowing-from-his-inheritance thing, and he ended up owing all his siblings money when my grandparents died. Definitely a bad idea to borrow against your future.
His rising intonation at the end of every statement is killing me. And his finances. But mostly the up-speak.
I love these videos! It inspired me to start a budget and calculate how much was coming in and how much I was spending. And realized I was spending $60 more each month than I was bringing in. Scary. So the past few months have been budgeting and has been SO EFFECTIVE and already have a huge increase to savings and no debt ❤ thanks Caleb!
They need the tough love! I appreciate your firmness with some of these financial situations, many people never hear it from their close friends or relatives and they need to be told!
Thank you :) agreed!
You need a zonk bell, to ring when you get people like this dude, and then have him dragged off camera.
I think the most frustrating thing about this one is that he has the income and the solution is very simple yet he seems to have zero inclination to make the effort. He actually seemed annoyed his mom helped him with 11k of his very unnecessary debt by using his inheritance when most people don’t have parents who can do that for them lol His priorities are very off and he needs to get it together before he fumbles the 11k reprieve his mom gave him and ends right back at 25k smh
This is probably a bad assumption, but how can you be a technical writer without being able to get a point across clearly in conversation.
I was wondering how he could offer tech support 😅
That was the first thought I had as well.
Caleb kept yelling at him and was getting increasingly frustrated while he just kept making excuses 😂
The mental gymnastics of his "justification" is quite impressive
24:55 I feel like I should get a college credit for watching this episode😮💨
23:55 anyone else notice how he low-key blames his mom for not giving him the 11k sooner. 😂
Right😅 he’s selfish & entitled imo
This interview is the definition of mental accounting run amok. I'm rooting for him
True, and same!
“Like” “ya know?” “Whatever” are words he needs to delete from his vocab. Goodness gracious.
He knows this is to discuss issues with his debts, right? Not a “here are my excuses” over and over again. This one was hard to watch.
"I need to go out less" "But I dont go out much" He is in for a tough road ahead if I had to guess. Great advice on Dave with this guy. He is robbing Peter to pay Paul and confusing himself. He also acts like a teen and does not seem concerned over his behaviors.
This "guy" talks too damn much. Stop saying "like" and man up. What an embarrassment as a human.
The conclusion I’ve gotten from watching your videos is…. America has a fast food problem!
So, nobody is going to point out that this guy probably got grifted by a vietnamese guy for citizenship? His story literally follows a textbook scam. He went overseas to meet this guy, spent a bunch of money on him, brought him back here and got married.
Some of these people could write a 500-page book on their own financial situation. It seems to me a lot of folks feel that their finances should be complicated in order to be successful and they end up lost in the complexity of their own making. The old adage is true: keep it simple stupid! I wish this guy the best.
One thing I like about you is that you go right through some of these people's BS.
If he says “like” one more time, I’m going to throw my phone 😂
😂😭😭
Like 😂😂😂 i feel ya on this.
"right?"
Dude obviously grew up rich lol. Never heard of living within your means
He holds the world record for using the word LIKE
It’s his “you know”
Like you know..I like just found this channel like two weeks ago so I'm like catching up on like old episodes you know?
@@teresahunt5521 that’s like totally awesome. I like the likes too. It’s like really amazing
@@billrhea I'm a nurse. I have patients like this chap. "Do you smoke?" "Well see...my cousin Billy an me went behind the barn on grandpa's tobacco farm when we were 8...my mom's dad..not my dad's dad. My dad's dad was a preacher. He broke off from the catholic church because of the scandal with the choir boys and then... "EXCUSE ME SIR DO YOU SMOKE!?!?"
This guy has justification for all his unnecessary spending.
This man did not understand what was being said to him AT ALL…. He didn’t get that you need to put all the extra on the debt not just paying the minimums
If I had a dollar for every time he said the word “ like” I would have enough money to pay off his debts
Seriously!
If I had a penny for every word he said, I’d be a billionaire. Holy f*ck.
Another fine example of why you keep finance simple… complicating finances only hides problems.
No kidding. Jumping through hoops to get a crypto credit card that gives him 2% back on certain items, in Ethereum. My dude, I have a card that gives me 2% back on everything, in USD.
Someone needs to sit this guy down and have an EXTREMELY blunt and candid conversation about his ignorance and stupidity. Oh wait….
“We’ll there you go. That’s a good point. Here’s a meaningless word salad that sounds like I’m agreeing with you but actually says nothing.”
I appreciate you being really firm with him. No hymmm haw just hold him to the point of accountability.
"Good point, exactly!"... continues to ignore the question/advice