1 of my first 50,000 subscribers will win $1,000 the day we hit 50k! So if you enjoy this type of content, subscribe and stick around for more 😃You all are the BEST, and your support means so much to me! Love you all!
Love the videos but I have a suggestion. Can you spend a bit more time and maybe show the numbers on the screen. It would help improve the quality of the videos since they are getting a bit similar
@@CalebHammer I personally don’t find the videos are getting all that repetitive because everyone has different situations. Especially since you switch it up with the street interviews and virtual interviews too but excited to see the changes in the works! Keep up the great work man
I think she was honestly making her finances harder then it needed to be. She was using spreadsheet and trying to balance stuff, but won't just pay off her credit card on her phone.
This episode had a little of everything! ✅ The Good: 27% raise, super affordable housing, paid of $35k off debt, $18k emergency fund. ❌ The Bad: WAY Overspending on restaurants and not increasing her savings rate after a massive raise. 🤮 The Ugly: Meme Stocks lol. She just needs to buy S&P 500 index fund and chill
oh my god. I did the math myself on takeout earlier today after binging a bunch of these and I did the exact same thing she was doing with fast food - my partner has been venmoing me and I’ve been putting all that crap on my CREDIT card. Honestly I’m so glad I saw these this relatively early on - now I can correct course. Paying off my credit card on Friday when the paycheck hits and tightening the grocery budget. Keep doing what you’re doing with this channel, because Something Is Working.
I’ve been showing these videos to family, friends , and co workers. It’s so interesting to get a good look into someone else’s finances and it give me a lot to think about in regards to my own money.
This is definitely my new favorite channel. Been watching a lot of your videos for the last couple of weeks. Love the financial audits. Keep up the great work. 🤘🏼
This is definitely my favorite youtube channel. I discovered it a few weeks ago and I never tire of recommending it to my friends and family. I'm an international student from Brazil and my financial condition has always worried me but after I discovered your videos I'm absolutely sure I'm doing great. I would love more broken student-focused videos. Thank you for the content, I'm sure you will be very successful and happy to have found you at the beginning.
I’ve enjoyed these financial audits. Gives me reminders about good habits to continue/start and bad habits to avoid. These folks are really brave to share this level of information out to the public though.
After watching you for a couple months I just cancelled my Xbox game pass recurring subscription. Thats 14.99 a month back in my pocket! Also cancelled my car wash monthly pass. That was 26.99 per month. Lastly, I cancelled my planet fitness for 10 bucks per month. (I wasnt going anyway) thats $52.00 total I trimmed out of the waste! Lets do this!
I really love this video in particular, because it shows that even if you do a big push, if you don't have lasting habit changes (via budgeting, automation) then you will likely slip back in some way. Congrats to her for coming to get advice in a time of change when she is ready to learn new skills like investing!
I've binged all of these audits. It's so interesting to see how different people handle their finances. I definitely feel similar about trying to figure out investing
Happy to see someone doing well, willing to listen and just here for advice. Maybe you can do these on Mondays, heavy audits on Wednesdays and save the annoying people for Friday.
I love these videos! Caleb you have helped me so much and you don’t even know! I was about to take out a loan the other day and the interest rates was horrible and I literally thought of your videos and you saying how bad of idea that would be 🤣🤣 and I declined their offer!!! Keep up these awesome videos and content!!!
I really love these series since I have been able to find people with a similar money mentality and link them to these people where they can relate to the person and be provided similar advice. I hope they do take the advice to heart and try to work with them and would love to see follow ups with these people 6 months or so down the line for a follow up
not this video specifically but I want to thank you! Im doing ok for myself but Ive had a few down months lately (business owner and the winter months kill my income) and I am a single mom of 2 with very low support. I have been looking at my budget for a few months but for the life of me couldn't figure out where my money was going and why I was only doing what I was doing. After watching several videos, and seeing all the $2-$4 purchases that were killing people, I decided to look in the mirror. I am now on day 4 of a now spend streak (though I may have to break today because we are out of eggs and bread) But today, I decided to download a spending app and I plan on diligently tracking my finances with categories. Once I get a full understanding of that...I hope to start investing (though that is tricky bc I live abroad and there are laws in this country about investing out of country...even your home country). But I just wanted to say thank you Caleb. You are really helping people! Sorry for the long comment. ˆˆ
Love the videos! Very unique concept and I’m sure your channel will grow. I do have one suggestion: what if towards the wrap up section you ask people what they think their overall net worth is and reveal their actual net worth? Would be interesting to see how people think about their net worth. I personally do a yearly net worth statement and find it very valuable. Keep up the great work!
Definitely not the worst we've seen, but it's wild that I make more than her and try to limit my whole MONTHLY "fun" spending to below $500 and she was thinking to budget $500 just for food 😭
I’ve been addicted to financial audit. I have been really focused on my finances for the past couple of years. I’ve made a lot of progress, but there are daily spending habits, that have held me back. So, watching these audits has encouraged me to audit my own spending. Good job Kaleb.
I would love to see Caleb bringing these individuals back on the show 3 to 6 months later to see if they have actually changed their spending habits. It's easy to nod and say yes for an hour but end up doing nothing at all.
Your videos are great, I’d love to see more of people returning and checking in on their finances. I always pay the balance in full on my credit card but I didn’t know that I shouldn’t spend more than 30% credit limit so I’ll be really on top of that now that I know.
If a lot of those mutual funds are large cap funds, she's definitely got more that 9% in Apple. Most large cap funds have Apple as part of the tech stocks they are invested in. You did a great job educating her on the risks of single stock investing! Love the videos
I'm glad Caleb did the whole show basically in his livingroom until he was close to 50k subscribers. Then he started puting money into stuff for a studio. He definitely walks the walk.
I wish I could be on this show but sadly I'm like you. Cash is like my free coupons and if I was on this, I could not track everything. I use to be very frugal (but now changing to enjoy some spending) thanks to you and enjoy life a bit better rather than straightline investing
At least she knows what retirement means! Seems like in a lot of these videos people are more interested in gambling than investing, and have trouble understanding the difference. I hope you're planning some videos to check in on people in a few months. I'd love to see how they're doing and what changes (if any) they made.
She's getting the basic Safe Harbor match in her 401k plan. This is how it breaks down... 100% to 3% 50% match of the percent between 3% and 5%. If she's contributing 5%, she's receiving 4% in match. If she contributed 4%, she'd receive 3.5% match.
the thing is that even if she were to invest 75% into an s&p 500 and keep her current positions in apple and tesla, she would still have more than 25% invested in those companies since they are part of the s&p 500 index. she'd probably need to be closer to 80 or 85% into the s&p 500 since she's just giving herself double exposure right now by investing in an s&p 500 fund and single stocks that make up the s&p 500
This guy is giving investment advice by just checking the graph and saying "I don't know anything about the cruise industry"? This guy doesn't even understand arbitrage. CCL had to chop up their fleet during the pandemic and are now building ships again which will be taking 2-3 years in a market where boomers are retiring and taking cruises. I'm buying CCL till it hits $40 and selling when it hits $60.
26:28 “I made 5x on a single stock” If you had sold. Which you often have to do when you are a trader. Myself, I am limited and don’t want to spend my time on stock exchanges. So I only invest and just buy and hold. No clue why she takes so much risk with her hard earned money when she clearly is not interested in learning how to trade.
The benefit to holding single stocks is if you have 100 of them you can sell covered calls for income. But you have to have an understanding of options, support & resistance, etc. and manage the positions daily, like you said Caleb.
I get what he's saying, but Apple is not going out of business overnight. No way in hell. Things could happen to hurt the company, and the share price could tank quite a bit, but it's not going to zero. At least not for decades.
Aaple stock is one of the best stock to own for long term. It has been outperforming the sp500 for the past 20 years. There is nothing wrong with her putting her money into it. Tesla however is the opposite, it’s valuation is off the chart. If anything I would sell the Tesla and keep Aaple.
also, on stocks: Apple is in my information a quite reasonable stock. People are addicted enough to buy iPhones and other products from them. BUT of course there should also be a long term investment in an S&P500 ETF or similiar, to keep financial security efter retirement.
Your 75 percent mutual fund idea is a good one for her but there is nothing wrong with a larger stake (even 100 percent) in single stocks that are well diversified. I have about 100 stocks diversified in small, medium and large cap as well as tech, health, energy, consumer, dividend, utility, materials etc and rebalance twice a year. I have some REITs and etfs in areas that I don’t feel secure in, like cybersecurity and biotech.
Shocking how much ppl spend on eating out without any real savings and after of getting out of debt. She easily can clean this up a bit,,save a emergency fund, and 15% in retirement. Then have fun within limits.
Nothing wrong with owning single stocks. The problem is that people buy without doing due diligence. Diversification is for people who do not know what they are doing. The budgeting is right but the investment advice sucks.
I completely agree, his comments on investments are worthless, especially if you look at the average stock prices. The more I watch the videos, the more I think that Caleb is just a cheapskate trying to convince everyone to live like him, for him all pleasure spending is useless spending.
I really like watching this show. It does burn my bucket that these young people are counting on loan forgiveness for their college degrees. She makes $80,000 a year. She spends and has fun. She wants the tax payers to pay for her college loans. I believe that people took out the loans, signed the papers, they should be financially responsible for these loans. She said her degree took 5 years because she was have too much fun and couldn’t get to her morning classes? Really? None of my debt was forgiven. I made sacrifices. I’m glad she is getting her financial life in order though.
Definitely obviously spending too much on food and the whole music thing… also a bit wonky with the individual stocks …like long term investing should inherently be boring (we’ve all been there with the swing-trading impulses) but overall she’s in a pretty good spot compared to many of her peers. Now I just need to get that juicy raise… 😓
Hey man. If I wanted too feel bad about my finances, I would just watch Dave Ramsey brag about how much money he’s got. I’m here for the train-wrecks. This is suppose to be a feel good channel!
She needs to do 3 things immediately (according to Dave Ramsey) 1)Setup a min 6 month emergency fund..if you own a condo expect something big to break 2)Once 6 month emergency fund is FULLY FUNDED now start fully funding 401k for retirement 22,500 and then after that 3)Start paying down the mortgage with extra 1k to apply for principle do NOT buy any more expensive vacations or un-necessary cars the dream home with big yard and white picket fence will have to wait
As an professional option trader since 2004. I love it when millennials tells me about amc stock or bed bath and beyond. Better off at the blackjack table/
It's fine to invest in fun stuff as long as you realize that it's just for fun and you don't expect to make a ton from it, although if you do swing stocks like that you can't just leave it and not look at it
1 of my first 50,000 subscribers will win $1,000 the day we hit 50k! So if you enjoy this type of content, subscribe and stick around for more 😃You all are the BEST, and your support means so much to me! Love you all!
Love the videos but I have a suggestion. Can you spend a bit more time and maybe show the numbers on the screen. It would help improve the quality of the videos since they are getting a bit similar
@@TrunksUnchained For sure, I am actually working right now on a system for this in the future, but it might take a coupe more weeks!
@@CalebHammer I personally don’t find the videos are getting all that repetitive because everyone has different situations. Especially since you switch it up with the street interviews and virtual interviews too but excited to see the changes in the works! Keep up the great work man
.00002% chance! 🥳 lol
Can we opt-in to get that paid out as Carnival stocks?
Happy to see when people are doing well but you know I’m here for the messy financial audits 😂👀
haha
Same😂
Plus one
Literally all i need in life right now is judging someone else's mess.
homeboy here with you
I think she was honestly making her finances harder then it needed to be. She was using spreadsheet and trying to balance stuff, but won't just pay off her credit card on her phone.
I'm slowly learning that if I want a new job or a promotion I need to get booked onto Financial Audit.
hahah, worth a short!
samee haha need atleast 50k salary
Seriously, every other interview is "actually that's my old salary, I just got promoted"
Im still waiting for Caleb to interview someone in sales.
@@sleepwalkinpyro he did…video from 3 days ago I believe…guy who had a car addiction….
This episode had a little of everything!
✅ The Good: 27% raise, super affordable housing, paid of $35k off debt, $18k emergency fund.
❌ The Bad: WAY Overspending on restaurants and not increasing her savings rate after a massive raise.
🤮 The Ugly: Meme Stocks lol. She just needs to buy S&P 500 index fund and chill
10/10 comment!
Hope to see this comment on my episode. Lol Very curious what it will say.
@@Prod1jbtc haha I’ll be on the look out for your episode and be sure to add a similar comment. Hopefully Caleb didn’t roast you too badly 🤣
Gonna get rich buying dat Gamestop! STONKS FTW
@@coolhand411luke6 don't forget the DOGE
oh my god. I did the math myself on takeout earlier today after binging a bunch of these and I did the exact same thing she was doing with fast food - my partner has been venmoing me and I’ve been putting all that crap on my CREDIT card. Honestly I’m so glad I saw these this relatively early on - now I can correct course. Paying off my credit card on Friday when the paycheck hits and tightening the grocery budget. Keep doing what you’re doing with this channel, because Something Is Working.
I’ve been showing these videos to family, friends , and co workers. It’s so interesting to get a good look into someone else’s finances and it give me a lot to think about in regards to my own money.
Thanks for sharing!! That means a lot :)
This is definitely my new favorite channel. Been watching a lot of your videos for the last couple of weeks. Love the financial audits. Keep up the great work. 🤘🏼
Such an honor!!! Thank you!!!
She seems to understand what she’s doing with her money more than any guest I’ve seen so far
Having a high income and splitting a very affording home certainly helps
We need a financial audit report on Caleb 😆, let’s see what you spend your money on
At 100k subs :)
@@CalebHammer already got you 3 subs, put my roomates onto you lol
Lmao I'd love to see him get grilled by graham Stephan
@@CalebHammer You ate 100k subs??? Wow, you must have been hungry.
This would be a great April fools day video idea lol
Up to date on Caleb’s videos so I’m watching older videos to get through while I wait for new ones 😅
My dude the consistency is something to be admired. Another banger episode!!!
Thank you so much Joe!
This is definitely my favorite youtube channel.
I discovered it a few weeks ago and I never tire of recommending it to my friends and family. I'm an international student from Brazil and my financial condition has always worried me but after I discovered your videos I'm absolutely sure I'm doing great.
I would love more broken student-focused videos.
Thank you for the content, I'm sure you will be very successful and happy to have found you at the beginning.
You’re cute
I’ve enjoyed these financial audits. Gives me reminders about good habits to continue/start and bad habits to avoid. These folks are really brave to share this level of information out to the public though.
Dude. These audits are so good! I can't stop watching them! Please keep doing them!
Thank you 😊
After watching you for a couple months I just cancelled my Xbox game pass recurring subscription. Thats 14.99 a month back in my pocket! Also cancelled my car wash monthly pass. That was 26.99 per month. Lastly, I cancelled my planet fitness for 10 bucks per month. (I wasnt going anyway) thats $52.00 total I trimmed out of the waste! Lets do this!
I really love this video in particular, because it shows that even if you do a big push, if you don't have lasting habit changes (via budgeting, automation) then you will likely slip back in some way. Congrats to her for coming to get advice in a time of change when she is ready to learn new skills like investing!
I've binged all of these audits. It's so interesting to see how different people handle their finances. I definitely feel similar about trying to figure out investing
Happy to see someone doing well, willing to listen and just here for advice. Maybe you can do these on Mondays, heavy audits on Wednesdays and save the annoying people for Friday.
I love these videos! Caleb you have helped me so much and you don’t even know! I was about to take out a loan the other day and the interest rates was horrible and I literally thought of your videos and you saying how bad of idea that would be 🤣🤣 and I declined their offer!!! Keep up these awesome videos and content!!!
That's incredible to hear!!! I am so happy to hear this, thank you so much, Ashley!
The Dave Ramsey fly-by gets me every time - hilarious 😆
haha thanks
I die each time. Love it. Can we have him pop out behind shoulders or furniture lol
People making 80k sending those annoying marketing emails? I need a new career 😭
Hahahah
Not for long with the way the economy is going.
My goal is to live on past money (sinking funds) instead of future money (next paycheck/promotion etc.).
I really love these series since I have been able to find people with a similar money mentality and link them to these people where they can relate to the person and be provided similar advice. I hope they do take the advice to heart and try to work with them and would love to see follow ups with these people 6 months or so down the line for a follow up
That's awesome :) thank you so much, and there will be follow ups for sure :)
This is the first time one of the people in the financial audits represented similar to my situation so it was like I was receiving the advice too!
These professional jobs make me really realize how underpaid MOST nursing jobs are which is a professional job. 😮
I love watching these during my lunch breaks every day!
Thanks for watching :)
not this video specifically but I want to thank you! Im doing ok for myself but Ive had a few down months lately (business owner and the winter months kill my income) and I am a single mom of 2 with very low support. I have been looking at my budget for a few months but for the life of me couldn't figure out where my money was going and why I was only doing what I was doing. After watching several videos, and seeing all the $2-$4 purchases that were killing people, I decided to look in the mirror. I am now on day 4 of a now spend streak (though I may have to break today because we are out of eggs and bread) But today, I decided to download a spending app and I plan on diligently tracking my finances with categories. Once I get a full understanding of that...I hope to start investing (though that is tricky bc I live abroad and there are laws in this country about investing out of country...even your home country). But I just wanted to say thank you Caleb. You are really helping people!
Sorry for the long comment. ˆˆ
“No fun until you have an emergency fund”
Caleb, Is that on a merch shirt yet?!?!?!
You’re cute
Love the videos! Very unique concept and I’m sure your channel will grow. I do have one suggestion: what if towards the wrap up section you ask people what they think their overall net worth is and reveal their actual net worth? Would be interesting to see how people think about their net worth. I personally do a yearly net worth statement and find it very valuable. Keep up the great work!
Definitely not the worst we've seen, but it's wild that I make more than her and try to limit my whole MONTHLY "fun" spending to below $500 and she was thinking to budget $500 just for food 😭
I’ve been addicted to financial audit. I have been really focused on my finances for the past couple of years. I’ve made a lot of progress, but there are daily spending habits, that have held me back. So, watching these audits has encouraged me to audit my own spending. Good job Kaleb.
I just cannot imagine having such a concentrated portfolio , too risky for me.
I just binge watched all of the episodes!! My New favorite show!!
Very nice and smart person. She really took in Calebs advice. Good luck to her.
She is better than most and sounds like she is willing to listen too. I think she will do well.
I would love to see Caleb bringing these individuals back on the show 3 to 6 months later to see if they have actually changed their spending habits. It's easy to nod and say yes for an hour but end up doing nothing at all.
Your videos are great, I’d love to see more of people returning and checking in on their finances.
I always pay the balance in full on my credit card but I didn’t know that I shouldn’t spend more than 30% credit limit so I’ll be really on top of that now that I know.
These zoom-in's on your face are killing me LOL.
hahaha
Man, caleb, your interview skills are excellent. Did you ever work on interviews before?
hahah nope, but thank you!
If a lot of those mutual funds are large cap funds, she's definitely got more that 9% in Apple. Most large cap funds have Apple as part of the tech stocks they are invested in.
You did a great job educating her on the risks of single stock investing! Love the videos
This girl is doing soooo much better than the majority of us lol
Loving all these consistent uploads!!! Your dedication really shows!
Love the long form content. Great idea-Keep it up 🙌🏾🙌🏾
Thank you!
It's depressing how expensive Austin got. When I moved there in 2014, I paid $350 for rent after splitting with an ex.
I could not imagine such a low rent here, wild!
My favorite time of the day!😂
Thank you :)
Watching this after Elon Musk has ruined TSLA makes my heart hurt
I have been binging all of your videos the last few weeks, absolutely love the content!
The pen drop zoom-in at 09:24 , had me 😂. Caleb laying down the "Hammer" lol
I’m obsessed with this show
She is single handedly bringing back the Members only jacket! Yes!!
I'm glad Caleb did the whole show basically in his livingroom until he was close to 50k subscribers. Then he started puting money into stuff for a studio. He definitely walks the walk.
Dude you are pumping out these videos man, can't wait to see you go viral and see that 36.2k subscribers sky rocket. Cheers :)
Thank you so much :)
I wish I could be on this show but sadly I'm like you. Cash is like my free coupons and if I was on this, I could not track everything. I use to be very frugal (but now changing to enjoy some spending) thanks to you and enjoy life a bit better rather than straightline investing
I love this guy
At least she knows what retirement means! Seems like in a lot of these videos people are more interested in gambling than investing, and have trouble understanding the difference. I hope you're planning some videos to check in on people in a few months. I'd love to see how they're doing and what changes (if any) they made.
These videos are always filled with knowledge, Keep it up Caleb 📈
I like this one. I get the feeling she's gonna do ok for herself.
My credit score went up just watching this channel
Everybody says retire early but doesn't really it usually means you have an insane income or you sacrifice some.
Just in time for my lunch break!
Nice!!!
I love seeing how your channel is taking off!
Caleb: Tezzzla 🥴😵💫😑
She's getting the basic Safe Harbor match in her 401k plan. This is how it breaks down...
100% to 3%
50% match of the percent between 3% and 5%.
If she's contributing 5%, she's receiving 4% in match. If she contributed 4%, she'd receive 3.5% match.
Yess the Dave Ramsey picture! Please don't ever stop that
This series has become my new TikTok 🤣 I love this. Fun and educational
Won’t renew Amazon prime to support JB but also has Amazon stock?
hahahah I did not catch that
Yeah that'll show Jeff
Keep up the good work 😃 thank you for your content
Thank you so much :)
So happy shes on her way to be better off
the thing is that even if she were to invest 75% into an s&p 500 and keep her current positions in apple and tesla, she would still have more than 25% invested in those companies since they are part of the s&p 500 index. she'd probably need to be closer to 80 or 85% into the s&p 500 since she's just giving herself double exposure right now by investing in an s&p 500 fund and single stocks that make up the s&p 500
This guy is giving investment advice by just checking the graph and saying "I don't know anything about the cruise industry"? This guy doesn't even understand arbitrage. CCL had to chop up their fleet during the pandemic and are now building ships again which will be taking 2-3 years in a market where boomers are retiring and taking cruises. I'm buying CCL till it hits $40 and selling when it hits $60.
If Caleb saw how much I spent on fast food the last week and a half…. 😬 would not be the best reaction haha
My favorite series is up! 😍😍😍
Wooo!! Thank you
She might not be smart with her money but she's funny 🤣
For sure! She's great!
I have a feeling she’s paying for all the food and drink. It seems odd that she always pays and he Venmo’s every time.
26:28 “I made 5x on a single stock”
If you had sold. Which you often have to do when you are a trader. Myself, I am limited and don’t want to spend my time on stock exchanges. So I only invest and just buy and hold. No clue why she takes so much risk with her hard earned money when she clearly is not interested in learning how to trade.
Totally ago. Warren Buffet’s preferred length of time to hold a stock is “forever”. Good advice from the master….
The benefit to holding single stocks is if you have 100 of them you can sell covered calls for income. But you have to have an understanding of options, support & resistance, etc. and manage the positions daily, like you said Caleb.
I get what he's saying, but Apple is not going out of business overnight. No way in hell. Things could happen to hurt the company, and the share price could tank quite a bit, but it's not going to zero. At least not for decades.
Aaple stock is one of the best stock to own for long term. It has been outperforming the sp500 for the past 20 years. There is nothing wrong with her putting her money into it. Tesla however is the opposite, it’s valuation is off the chart. If anything I would sell the Tesla and keep Aaple.
also, on stocks: Apple is in my information a quite reasonable stock. People are addicted enough to buy iPhones and other products from them.
BUT of course there should also be a long term investment in an S&P500 ETF or similiar, to keep financial security efter retirement.
Do you revisit people after a while? I think it would be very interesting to see, how you can clean up (or fail).
He said he will after 6 months
How do you not sell when it gets that much growth 📈
Your 75 percent mutual fund idea is a good one for her but there is nothing wrong with a larger stake (even 100 percent) in single stocks that are well diversified. I have about 100 stocks diversified in small, medium and large cap as well as tech, health, energy, consumer, dividend, utility, materials etc and rebalance twice a year. I have some REITs and etfs in areas that I don’t feel secure in, like cybersecurity and biotech.
If she's paid off her student loan within the last 2 years, she should qualify for a refund. She definitely doesn't need it but hey lol
Yeah she has more than enough to still forgive lol
Someone needs to tell her that stock splits don't actually make the stock cheaper.
Oh no, those investment accounts make my skin crawl.. D I V E R S I F Y!
and Tesla is such an overpriced stock...🤦🏽♂️
hahah pretty wild portfolio
Shocking how much ppl spend on eating out without any real savings and after of getting out of debt. She easily can clean this up a bit,,save a emergency fund, and 15% in retirement. Then have fun within limits.
Nothing wrong with owning single stocks. The problem is that people buy without doing due diligence. Diversification is for people who do not know what they are doing. The budgeting is right but the investment advice sucks.
I completely agree, his comments on investments are worthless, especially if you look at the average stock prices.
The more I watch the videos, the more I think that Caleb is just a cheapskate trying to convince everyone to live like him, for him all pleasure spending is useless spending.
I really like watching this show. It does burn my bucket that these young people are counting on loan forgiveness for their college degrees. She makes $80,000 a year. She spends and has fun. She wants the tax payers to pay for her college loans. I believe that people took out the loans, signed the papers, they should be financially responsible for these loans. She said her degree took 5 years because she was have too much fun and couldn’t get to her morning classes? Really? None of my debt was forgiven. I made sacrifices.
I’m glad she is getting her financial life in order though.
Definitely obviously spending too much on food and the whole music thing… also a bit wonky with the individual stocks …like long term investing should inherently be boring (we’ve all been there with the swing-trading impulses) but overall she’s in a pretty good spot compared to many of her peers. Now I just need to get that juicy raise… 😓
Her tesla stock is now down 50%, 4 months later worth around 1500$ rip. And her TRULIEVE is valued 613$ now, down 77%.
Hey man. If I wanted too feel bad about my finances, I would just watch Dave Ramsey brag about how much money he’s got. I’m here for the train-wrecks. This is suppose to be a feel good channel!
loving these videos
Thank you!
I think her greatest joy in life is accumulating credit card interest on half purchases with the boyfriend. 😅
A Millennial emergency fund 😂 she's funny, I like her
She needs to do 3 things immediately (according to Dave Ramsey)
1)Setup a min 6 month emergency fund..if you own a condo expect something big to break
2)Once 6 month emergency fund is FULLY FUNDED now start fully funding 401k for retirement 22,500 and then after that
3)Start paying down the mortgage with extra 1k to apply for principle
do NOT buy any more expensive vacations or un-necessary cars
the dream home with big yard and white picket fence will have to wait
Btw how are her Tesla stocks doing? Lol
Great interview!
Thank you!
“ So they match 1% on first 3% and 1/2% on rest up to 5% so like 4.5%”. Gee I wonder why she is having budgeting issues.
math is hard
Yea it's 4%
i aint gonna lie. The meme stock was one of the funniest time ive had at work in regards to the stock market
As an professional option trader since 2004. I love it when millennials tells me about amc stock or bed bath and beyond. Better off at the blackjack table/
I’m barely 21 and I know so many kids my age who have amc stock 🤣 and think they’re gonna make it big 🤡
Tesla didn't drop in price. It just split three x.
It's fine to invest in fun stuff as long as you realize that it's just for fun and you don't expect to make a ton from it, although if you do swing stocks like that you can't just leave it and not look at it