Absolutely surreal being on the other side of the table for once! I've been wanting to do this for ya'll for a while now, and I'm so glad we did. Though of course I've been doing well for years, and it's been many many years since I was in a terrible financial situation (I talk about that on Graham and Jack's podcast later this week), it was still great to get a completely open and honest take on my situation. Graham might not be as naturally intense as I am, but I only dish what I can take. That's why we refused to cut anything and allowed the most embarrassing 10-15 minutes of Hinge to stay in lol. In my normal show, my goal is to give people the conversation I wish someone had with me a decade ago. It was great to get Graham's take on my current situation! I am going to give the exact same documents over to the Money Guys who are going to do an audit on me in a couple weeks- let's see how the audit compares! Thank you all so much for your support to have gotten this channel to this place. It's beyond a dream, and it's completely thanks to you and to every guest who has been on the show so far.
The content from both of you is truly great and to see you both in the same episode is truly great. Thank you for all the Credit Card and Real Estate videos @GrahamStephan and @CalebHammer for the financial wake-up call you are giving many including myself. Keep it up and hope nothing but great things for both.
The most important things I learned from this episode are that no matter how much money you make, you must always monitor and control your purchasing impulses. Move into the Big Money mindset and away from poverty mentality, as well as create a Solid Plan B in case the new money dries up!! THANK YOU ❤️ both!!
this was a stroke of genius, get financially audited yourself, have a crossover with another big financial youtuber, get to share more about yourself to your audience in a organic way.
@@A1exVe1ezthis dude done blown up Already. I don't remember how long ago, maybe 5-6 months ago I followed him and I swear it was like 100k now he's 700k
11 months later, and you're at 1.43 million subscribers!! Congratulations! You doubled your subscriber count! Keep up the good work! I've been binging your videos, and it has lit a fire under my butt to get out from under our debt! Thank you for putting these out!
@@allieflounder5764Caleb’s situation compared to many others coming onto his show are very different, even though they might practice the same things. For example, both of them might spend on “BS” spending like fast food, etc. The key difference here isn’t about the differences of income they make, but Caleb understands how to budget (50/30/20) and he isn’t battling himself out of ridiculous debt with ridiculous interest rates. Most on his show will spend on “BS” spending, but they can’t afford their basic living, behind on car payments, piles on credit card debt and losing money daily on interest alone, but they’d rather spend that on $5-20 a day on gas station food instead of going grocery shopping so they can get out of a hole. That’s the key difference here, if you can’t see it… then good luck to you.
Musician in student debt, quit his 100K job to become a RUclipsr, fell into lifestyle creep, buying up properties, financing furniture, and spends $ on endless burgers, sandwiches and orange chicken. Hope this guy gets his 💩 together. In all seriousness, Caleb has helped me put my finances in perspective and on a journey to becoming debt free. While some of the guests may not fully take in all the advice, it helps countless others in similar situations. Also, the Morgan Freeman impression was funny af! 😂
I agree. Very cool of Caleb to do this type of video where he opens himself to financial criticism though. Not many finance youtubers would do this A lot of his financial situations sort of surprised me. Graham said this multiple times, and he's right that Caleb might be getting ahead of himself It just seems like he's adding on too much risk too quickly Edit: Jesus haha Graham absolutely destroyed the Hinge messages. Brutal
Yes! Graham nailed it, and his conservative approach on the franchising really makes sooo much sense. It’s gotta be a “money to burn” almost investment.
From my point of view as someone making way less: when you have less, it's driven into you to take every opportunity because you have little to lose. Now that Caleb is more successful, seems like he needs to temper that opportunistic mindset.
Major respect for caleb paying his people 6 figures. I guarantee you there are larger channels out there and they're skimping and penny pinching on their own editors, etc.
@@BM_100, billionaires cant and won’t pay their employees equally that’s why they are billionaires. Any big tech company billionaire is mining and using cheap labor as an example
Things that drive Caleb crazy: -Yes, it was expensive... But I got a great deal! -Financing random things. -Unclear response to direct questions. Caleb: -The house was listed at 1.4M, I got a deal. -Financed his furniture. -My monthly income is complicated and changes....
@@CalebHammeryeaaa I second the initial comment and Graham as well😂. You are not a bad looking dude, you’re funny all these good things! You’re just choosing the worst text and profile options when going about hinge. But Shoutout to you for even putting this out there! I could never be able to do that so you’re stronger than me💯
The Hinge part was BRUTAL! Loved this entire audit. Thank you, Caleb! This was definitely a tough thing for you to do, but a sincerely brave thing. Us subscribers definitely appreciate it!
I felt so bad watching it because it's not really that bad but to have it front of his entire audience and be roasted by someone he respects, I felt the second hand cringe so hard.
@@TDPEquinoxnah it was THAT bad 😂 love Caleb but seeing him still try to ask out that girl after she politely rejected him was brutal. Hopefully he takes Graham’s advice to heart
Can we all just give Caleb a round of applause for being vulnerable and transparent in front of thousands of people! We all have things we can work on and be better at. Great cross over video ! 🙌🏽😊
This was a huge risk to take and Caleb's got balls for doing it. Almost 3/4 of a million people look to this man for advice and to put himself on blast to show that he can make shitty decisions on occasion as well can really go either way, and im glad he did it, show's character. Nicely done.
So many RUclipsrs flex their wealth (or really: flex their conspicuous consumption) without ever disclosing actual income/financials. This is refreshing transparency! And wow, Caleb, the Hinge audit is a step further. Really putting yourself out there with this one. Lastly, thank you for appropriately compensating the team behind the scenes that is helping you make this channel. We shouldn't have to thank people for doing the right thing by their employees, but so many business owners don't.
Yes!! There is so much I wanted to comment on the video, and proper compensation for Caleb’s behind the scenes crew was one of the things I left out! Admirable.
@rebeccamoechnig8974 are you single? Let me take you to the cheesecake factory.. Got a coupon bbe 🤣 Nah, I was just playing with those comments. Congrats on your success btw.
I know, right! You could tell that he really wants to do it regardless of it being a poor investment at this time, but I was really impressed with Graham's sincere advice and you could tell it was a good reality check to Caleb.
What about No Risk, No Reward? Dude just assumes the place is going to struggle and fail! What if it's a success, and expands into the next Shake Shack?
@@StreetPreacherr its about managed risk, graham has always preached managed risk, hence the "you dont have the finance to do it NOW/YET" and a "Maybe in a few years" as he has a point, it could bankrupt him even though he already should be set for life if he keeps making safe investments, keeps the channel growing or atleast where it is and keeps his creativity up for a few more years. its like graham said, its risking his entire current sucess, for potential sucess. or failure, but statistically not super likely sucess. say its not the same as every startup at the about 1-5/100 say its closer to 20/100 because of the other one being sucessfull. thats still overall a high risk, medium reward situation. as if the brand becomes the next McDonalds. that reward still goes mostly to the owner. caleb would ofcourse make good money on his sucessfull shop. but the overall reward still goes to the brand owner behind it all. especailly with buddha burger now, 8 months later still only having the one shop, 1.5k followers. about 15-25 likes on average. they have 5 reviews, although posetive they're all old ish. their website is currently down. their google reviews are good though, a 4.7, it just doesnt seem to be the next big thing, and i do think caleb was thinking about it a bit too emotionally and not fully thinking it through
I just adore Graham after many years of watching his vids he has always been transparent and pretty spot on. Graham do more of these!! Caleb I just found your channel and I think this was a great idea to have Graham audit you. Good for you being transparent. Did they say how much he made from RUclips?
Well yes, bit everyone's human. As the op commenter said. Caleb's whole thing is telling people what he wishes someone told him. Also, it seems from this video, he's dealing with wealth for the first time. This is everyone's first time at life, bro. Let's be understanding@@Smoke.Official
@@jasonnguyen9806 all im saying is this man nearly has a stroke every episode criticizing others when he himself makes the same excuses. Just like what the original comment said. Clearly u are a dic rider that resorts to insults when yr feelings are hurt
I think a great addition to financial audit would be people almost out of debt and how/where to invest based on their situation (single person right out of big debt, starting a family, right out of college, etc). I’m 5-8months away from being done with my last debt (student loans) and would love to see situations like mine 🙂
Graham knocked that out of the park!! The questioning his motives, giving extremely sincere advice about getting distracted from Caleb’s true giftings/talent, AND the relationship advice was SOLID. Graham cares about you Caleb, that is a solid friend in your corner
Graham sounds like what a good friend should be like. Be honest, direct, empathetic, but also not hold back any punches. When you try to help someone, it’s important to point out mistakes in order for them to improve.
No he doesn't. The video literally started out with how he took out an impulsive loan on a 900k home. And let's not get in to how the dude peddled shady sponsors that are antithetical to his channel and what he says. Love Caleb but let's be honest here: He needs to be on the show (and should also be certified to be giving what is absolutely 100% financial advice).
Actually I have to say that was nice that Graham was really in a position of a big brother. Caleb is doing financially well, but so new and Graham's own story was so refreshing to explain to Caleb.
Would be way more humble if he were actually struggling like the people he brings on. I get this is for fun, but really it's just a rich guy flaunting his money to an even more rich guy.
@@Stemanaryeah it's kinda insane hearing Caleb talk 6, figures a month on a 700k channel like wtf dudes balling out now..not a single person can relate to that.
@@jacksonbilly9979 You are sadly mistaken. I'm a subscriber to his channel and appreciate it. I like hearing him try and help people out. But it's not "humble" to say you have 5 properties and $500k worth of investments in the stock market when he's 28-30 years old. Again, I'm happy he put in the work and has found a form of entertainment that has made his successful. I'm curious how successful his channel would be if he brought on people with his kind of money. The reason why this content is entertaining to watch is because the normal American can relate to what these people are actually going through
As a CPA, I really love watching two smart money guys opine and debate the wisdom of various purchases and financial goals. You two are a good pair, and I hope you’ll collaborate again in the future.
This was so great. I was smiling the whole time. Graham was the perfect choice to Audit Caleb. You can tell how much love and respect Caleb has for Graham, and Graham is deadly with his very calm friendly nature delivering a brutal grilling. 'I like the house, but I don't like the price' is peak 'I'm not angry, I'm just disappointed ' energy. Looking forward to the follow up next year!
Damn the hinge part was pretty hard but insightful. That could be a whole series itself, online dating audit/ how to improve communication and your chances. Props to you Caleb!
@@thegreatpiginthesky3904Bro fr, I almost fell out of my chair when I saw the banana pic. I get that he was trying to be funny, but that is such specific humor I'm sure alot of women end up messaging back dudes with normal pics. 2 dudes on a giant banana as your main pic should be reserved for Grinder lmfao 🤣🤣🤣
Probably my favourite episode of this show. Never been a *huge* fan of Graham but he shines in this episode, and really comes across as more than a finance RUclipsr (around the 40-45 minute mark is really good stuff). Also huge prop's to Caleb for talking about his challenges with anxiety, eating habits, and dating. Say what you want, but those aren't easy things to share with millions of people. Great episode overall. Congrats on your success, Caleb!
I'm kind of new here and have had a bunch of these vids in the background whilst working. I really enjoyed how much was going on in this episode, from financial advice, property talk, business advice, dating advice... it was all happening!
This was my favorite episode ever. It made me feel hugely better that even Caleb justified certain spending, and the transparency with income is absolutely refreshing. Graham had such good points and this was such respectful conversation
This was actually amazing. Seeing the dichotomy between someone who's had massive income for years and someone who attained it recently was fascinating. Caleb definitely still has the growth mindset you would expect from someone on the rise. And seeing Graham come in and try to explain hey, this RUclips thing is really your cash cow, you dont need to be in "make a move" mode anymore. Its interesting how the same mindset that got you to a million dollars can also bankrupt you if you dont continue to evolve.
Yeah I’m at the point where I have no debt besides some student loans and an emergency fund. I know Caleb doesn’t do investment advice but I’m kind of at a “what now?” point in my life
@@cheeseandsprinkles77pay off those student loans is my vote! 😅 don’t give sallie mae more than needed - at any rate. Then save up for maybe a home/investment property if interested. If you ever plan on having kids I highly suggest saving now to be able to take time off work if you want. Or if you plan on getting married save up for a future wedding now. It sounds silly but you’ll never regret planning ahead. Or travel!
100% agree with this. Honestly I think most of the people that watch are financially literate and aren’t near the kinds of situations the guests are in. I’d really love to see him take someone though what they do after debt. I’m at 0 debt, building a cash-house, but after that no clue what to do with the cash. My only thought was keep building & selling but I feel like that’s too much risk and not sustainable in the long term.
Great Episode! It was fun to see you in the hot seat for a change lol.... and he didn't go full squeaker mode on you, like you do to other guests.😂😂 I need to go sub to Graham now, because he made some great points and gave some really good advice. I can probably learn a thing or two from him as well.
Once you find success in a business, it's very easy to believe that you can find success in a bunch of other businesses as well. Success in one industry doesn't necessarily translate into success in other industries.
I completely agree with you honestly. A lot of successful people will tell you they were in the right place at the right time and got lucky. Obviously not 100% luck, but a lot of the time, it helps.
YOU’RE THE PICKER! You’re intelligent, honest, have great values and genuinely care about people. You’re definitely a keeper, it’s just going to take a bit of time for someone to get to know you. Give yourself some credit. You’re the prize! Thanks for being so candid and for helping so many people!
I was thinking that too ! He’s definitely a keeper ! He seems like a very caring person . He’s the same age as my little sister ! I would love for them to meet . (She’s a lawyer so definitely not a gold digger )
As a single woman, I 100% agree with everything he said about Caleb's dating profile. Get a photographer friend or just a friend who is killing it at the Instagram game and ask them to take a good photo of you. Lighting and angles can change everything if you know how to work them. Then make that photo your FIRST one on the profile. Also consider what you are looking for when you are dating. Are you looking for a wife, a lifelong partner? Then maybe show off the husband material that you are, not the silly pics playing around with friends like kids.
@@genxx2724 everybody regardless of gender should know those things. I was referring to being more serious about your relationship goals and showing that with serious grown up pics of oneself.
I don't agree with this. This really depends on the person. You learn the things that someone can offer you by talking and getting to know that person. I, personally, like seeing the silly pictures as it shows more personality and not just the professional side of a person, as that can come off as intimating to some people. But that's just my opinion.
The most impactful change would probably be working out. Girls will virtue signal and say personality matters more than looks but that's BS. Personality is only relevant if you have the good looks to get their attention in the first place.
Thank you for talking about panic disorder! When I was first diagnosed I couldn't find anyone online talking about it, let alone some one being successful in life while diagnosed with this.
So much respect for this episode. This builds your brand. He talked about how copycats will come up. New fresh ideas are great, but fundamentally people are here for you(mostly). Well done.
Wow, big props to you for being such a good sport Caleb. I laughed and smiled throughout, I love the sincerity, transparency and honesty throughout the video. It's not easy having Graham in front of you, criticizing every aspect of your life and person for 90 minutes. But it's all so well-intentioned that it still feels very friendly, not hostile at all. Very cool to watch.
Graham's hinge advice is 100%. I met my husband on Hinge, and we met only after hours of conversation. Engage and take your time, ask open ended questions, we are both INT types, so very direct and logical, which most people have a hard time with, I see that being an obstacle for Caleb as well. Be patient, man. You'll find your match!
Why is Caleb like a nerdy little brother? So full of good financial advice but so socially awkward lol Love the Hinge conversation! Thanks for being so open!
honestly its so nice to see caleb like this. we often glorify ytubers but this is a good reminder that he is just a dude, like all of us, with worries, anxieties, and decisions that arent always rationale. so much respect for this episode, its pretty vulnerable and requires confidence and courage to do this, especially with someone like graham.
What a roller coaster of an audit. The Ashley furniture loan, arbitrage on the student loans and franchise dream were so interesting to watch. Mad respect to Caleb for having the guts to put this out. Graham was an excellent choice to do the audit. Great job guys!
It was super interesting and funny to watch! It's like he knows obviously quite a thing aboit finances but he is now being given a reality check about how to handle money as a newly rhich person which is just a whole new ballgame and on that level he looked kinda surprisingly naive but very receptive to critique so great audit!
Honestly I think his expertise in real estate was phenomenal for Caleb's situation. I think he was the best person to be the auditor. I'm surprised he wasn't more harsh to be honest.
I found my fiance on a dating app. He was super socially awkward but with time he came around. I wholeheartedly agree with Stephan's advice. Don't act desperate or you'll just be another option, not THE ONE. Make them grateful to have YOU.
Or rather, if you're desperate, the other person would just feel like you're a burden, and they wouldn't feel good about that. Whereas you'd be impressive if you're awkward and you completely own it.
This took a lot of humility and bravery to put yourself out there like this. I'm excited to see how future episodes are now that Caleb has been in the hot seat. This is a huge empathy growth moment.
Caleb, as a 54 year old guy who is nowhere near where you are in life, and I salute you for what you've achieved - you REALLY need to listen to this guy interviewing you, because he's got something you haven't - he's taken the emotional content out of the money and is totally pragmatic. He really has his head screwed on and is giving you some rock solid advice.
You have earned my trust. In medicine we are taught to not self diagnose or treat ourselves and the importance of haveing another physician to look at our own health concerns objectivly. When you are already educated it's sometimes hard to give someone else the reins and trust them completely. Allowing someone else to deep dive your finances publically takes a lot of humility and guts, and I respect you even more for it. Well done Caleb!
Now I can see why people move to parts of KY from these bigger places. You can buy the same house for a quarter of the price. They come here to pay off debt, get things in order for several years and move back.
Graham is such a wise financial guy and I love how he really cares and wants to guide and mentor you through your financial journey Caleb. This is awesome.
This was such a crazy moment at 30:45 , and I think it’s really important for all of us who are still improving our financial lives to remember stuff like this. Even Caleb, being the financial wizard he is, is vulnerable to wishful thinking and fantasizing. Few things in life suck worse then getting all excited about a purchase and convincing yourself that it makes sense, only to have reality smack you in the face. It’s a bummer, but it’s also why we work so hard and stay disciplined. I wish Caleb and all the rest of us all of the success in the world
I'm legit loving the fact that you're running through some of the same thought processes as the people you provide help to. This is almost a comedic sketch. Thanks for showing yourself!
Caleb, be confident!! You’re a catch and you need to realize that. Never get cocky, but be confident. Believe in what you’re “selling”. If the person doesn’t want it, that’s okay. You’re looking for the one. Not everyone.
It's crazy to see Caleb on the other side of the table and see his struggle with financial decisions. If there isn't a financial audit follow up, I would love to see it. See how far Caleb has come in a year!
Closest I've found is the I Will Teach You To Be Rich podcast with Ramit Sethi. He has a large selection of high income earners/couples and they're 1 hour+ episodes
Bro fr, some of the most embarrassing things I've ever seen. He reeked of desperation in all of those chats, I hope he takes Graham's advice and starts being the picker instead of begging women to pick him lol Good luck Caleb
Yo can we please recognize how rad it was that Caleb talked openly and honestly about anxiety? As courageous as talking about your finances on youtube imo.
Big props to Caleb. This took integrity, I got a lot of respect for him from this video watching him interact with someone telling him straight up how some of his ideas are impulsive and too risky
Graham did an amazing job. If I had to sum up the advice on this episode, it would be to stop overcomplicating things. Simplify what you can to free up mental energy for what’s important: creativity, health, relationships.
Caleb is actually doing some thing that a lot of entrepreneurs struggle with and that is listening to the idea fairy. He really likes all these different ideas that he focuses on all of them equally versus going all in on the one that works the best which is his RUclips show. Great insight and glad that Graham hammered it in
Caleb, I had that exact kind of panic issue (48:00) you’re describing. Turns out caffeine was the cause. No other drugs or anything would work. But once I could get all the caffeine out of my system (which took like 2 weeks), I can see that even the tiniest amount of caffeine will set off that anxiety even if I feel fine in regular situations
I'm not into finance and just came across this channel because of the boogie video (that title was really catchy) but what you are doing is really important and makes me think of myself and my spendings. Also what a surprise with that great dating advice from graham. I'll keep watching for sure!
As someone who also has a slight compulsive control issue, I think the reason Tesla doesn’t bother us is because at any moment we can take control of the car again. Something like a plane is a very different level.
This gives me the vibes of being a student and wondering "how well would the teacher do if THEY took the test?!" Love this and happy to see the other side.
As a financial RUclipsr and asking your guests to be vulnerable and put their financial lives out there for all to see and then you turn around and do the same thing is just *chef’s kiss*. Thank you for being humble and honest. I respect the hell out of you for putting yourself out there like that. I can tell you’re a good dude. 😊 Also the dating part, omg, made me laugh because dating is so hard, but it just made you just more adorable and endearing in my eyes! Best of luck, I hope for your continued success. ❤ Also shoutout to Graham for being a great auditor! It was great to see the crossover. 😊
I 100% agree with how you should focus on the channel. Here’s what I would watch in addition to financial audit: 1. More follow-ups! 2. Live Q&A 3. Take questions or suggestions from comments and make a video answering them or commenting on them 4. Blooper reels? 5. Get certified on investment advice and tell us more about investment, especially retirement 6. As an elementary teacher, it would be awesome if you had short 5 min mini lessons on finances for kids so I can use your videos as topics in class for lessons. Kinda like crash course kids but with finances I think grocery shopping with people would be entertaining, but might not help as many people as everyone’s budget is different and prices vary across the country
THIS IS FREE CONTENT?? Caleb, this channel is a gold mine of knowledge and having Graham on the show was the best investment you made for the channel and yourself. I actually forgot just how knowledgeable Graham actually is. Here's something I learned that could even help me financially, invest in fixing your anxiety because that is your biggest liability. Anxiety will keep you from opportunities and will make decisions for you.
Emotions and personal finance are so intertwined it's crazy. Anxiety towards personal finances is an aspect of someones "Money Scripts", which is a psychological term coined by a researcher who studies people's emotions towards money. Sharing because I read about it and it helped me a lot 😊
I friggin love the direction this video took with dating advice. 🤣 Caleb, thanks for being open with all of us and letting Graham roast you for our entertainment! More collabs please! Get on the damn plane. ❤
Absolutely dying at Graham’s dating app audit. Way to be a good sport, Caleb! I have to say, as a (married) Lady Viewer™️… I agree with most of his advice 🫢
Same! I know those apps' purpose is to get you a date, but everyone knows that so he's right that you can be less forward about it. Also girls have a lot to fear with guys, so they're going to want some level of comfort before taking any of those steps. I wouldn't think poorly of you dating a fan. You're quick to point out that finances and trust are huge components of relationship success or failure, so a shared interest in improving those seems like a no-brainer. Unless you're asking her to buy you a franchise or she's asking you to cosign on a car loan after 2 months together, it'd be fine.😊
@@daniellebrackett4905he just needs to stop texting like they’re already friends, and not taking advice from his most likely “geek” friends who have no experience with women
Graham debating on the franchise. Was great. Doesn't matter how much someone has monetarily. Risky decisions always pop up, and impulse is always on people's mind. Very easy for things to turn badly.
![Felix "Unfair" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/Oswujxm2Ag0/mqdefault.jpg)
Absolutely surreal being on the other side of the table for once! I've been wanting to do this for ya'll for a while now, and I'm so glad we did. Though of course I've been doing well for years, and it's been many many years since I was in a terrible financial situation (I talk about that on Graham and Jack's podcast later this week), it was still great to get a completely open and honest take on my situation. Graham might not be as naturally intense as I am, but I only dish what I can take. That's why we refused to cut anything and allowed the most embarrassing 10-15 minutes of Hinge to stay in lol. In my normal show, my goal is to give people the conversation I wish someone had with me a decade ago. It was great to get Graham's take on my current situation!
I am going to give the exact same documents over to the Money Guys who are going to do an audit on me in a couple weeks- let's see how the audit compares!
Thank you all so much for your support to have gotten this channel to this place. It's beyond a dream, and it's completely thanks to you and to every guest who has been on the show so far.
WE LOVE YOU WOOOOOO
Can’t wait for this!!!
This is Epic! I love watching this guys reactions to your vids. Watched a bunch yesterday and then this. Happy Monday!
Just wanted to say I’m so pleased to see you doing well financially. You deserve it.
Well done 👏🏻
OMG can't wait for you and Money Guy!
I’m rooting for this Caleb guy, I hope he can come back on the show in 6 months and show Graham his progress 😂😂
🤣
😭😭😭
🤣🤣🤣 Good one, dude !
🤣🤣🤣
Caleb a little salty still “Accidentally applies to a RUclipsr” and there’s graham who doesn’t realize Caleb applied to join his crew
This was so much fun! Hope everyone enjoys it!
FTX promo accountability? Crickets Crickets soft weak beta male FRAUD!
And now I’ve 100% decided not to franchise
You're good at interviewing people, Graham!!!
The content from both of you is truly great and to see you both in the same episode is truly great. Thank you for all the Credit Card and Real Estate videos @GrahamStephan and @CalebHammer for the financial wake-up call you are giving many including myself. Keep it up and hope nothing but great things for both.
The most important things I learned from this episode are that no matter how much money you make, you must always monitor and control your purchasing impulses. Move into the Big Money mindset and away from poverty mentality, as well as create a Solid Plan B in case the new money dries up!! THANK YOU ❤️ both!!
this was a stroke of genius, get financially audited yourself, have a crossover with another big financial youtuber, get to share more about yourself to your audience in a organic way.
The fucking thumbnail oh my god 😂
Legends
Couldn’t agree more. Down to the thumbnail, excited to see this guy blow up
@@A1exVe1ezthis dude done blown up Already. I don't remember how long ago, maybe 5-6 months ago I followed him and I swear it was like 100k now he's 700k
The food tubers been doing this. It's effective. Guga and Uncle Roger etc
11 months later, and you're at 1.43 million subscribers!! Congratulations! You doubled your subscriber count!
Keep up the good work! I've been binging your videos, and it has lit a fire under my butt to get out from under our debt! Thank you for putting these out!
And Graham is now a known Crypto scammer scumbag lmao Caleb is doing great
This episode was honestly like a breath of fresh air. Watching the auditor get audited really puts life into perspective.
Meek Mill been told us it’s levels to this shit
@@csmith411English, please
Yeah the point of an audit is just to point out everything the audited person does wrong, regardless of what the auditor does themselves.
The total hypocrisy of live as I say. Caleb lost me here
@@allieflounder5764Caleb’s situation compared to many others coming onto his show are very different, even though they might practice the same things. For example, both of them might spend on “BS” spending like fast food, etc.
The key difference here isn’t about the differences of income they make, but Caleb understands how to budget (50/30/20) and he isn’t battling himself out of ridiculous debt with ridiculous interest rates.
Most on his show will spend on “BS” spending, but they can’t afford their basic living, behind on car payments, piles on credit card debt and losing money daily on interest alone, but they’d rather spend that on $5-20 a day on gas station food instead of going grocery shopping so they can get out of a hole. That’s the key difference here, if you can’t see it… then good luck to you.
Musician in student debt, quit his 100K job to become a RUclipsr, fell into lifestyle creep, buying up properties, financing furniture, and spends $ on endless burgers, sandwiches and orange chicken.
Hope this guy gets his 💩 together.
In all seriousness, Caleb has helped me put my finances in perspective and on a journey to becoming debt free. While some of the guests may not fully take in all the advice, it helps countless others in similar situations.
Also, the Morgan Freeman impression was funny af! 😂
Hahahaha he just sounded British but NOTHING like Morgan Freeman! 😂
Scammer
Can’t believe Caleb haste this scammer
@@2passportsandpostcards did you try closing your eyes? Totally Morgan Freeman! 'Ello 😂
Maybe I’ll give it another try! 🤓
Caleb REALLY needed this audit. He sees opportunities, but doesn't look too deep into negatives, what can go wrong, or what would be more efficient.
I agree. Very cool of Caleb to do this type of video where he opens himself to financial criticism though. Not many finance youtubers would do this
A lot of his financial situations sort of surprised me. Graham said this multiple times, and he's right that Caleb might be getting ahead of himself
It just seems like he's adding on too much risk too quickly
Edit: Jesus haha Graham absolutely destroyed the Hinge messages. Brutal
Yes! Graham nailed it, and his conservative approach on the franchising really makes sooo much sense. It’s gotta be a “money to burn” almost investment.
From my point of view as someone making way less: when you have less, it's driven into you to take every opportunity because you have little to lose. Now that Caleb is more successful, seems like he needs to temper that opportunistic mindset.
@@shawnboosveld7042I 100% agree
#1 Rule: don't lose money
8000 on mortgage?! I almost fell of my seat
Same wtf is wrong with these home prices in these cities??
Major respect for caleb paying his people 6 figures. I guarantee you there are larger channels out there and they're skimping and penny pinching on their own editors, etc.
Always take care of those who take care of you ❤
@@CalebHammer
There are billionaires out there who became billionaires because they paid their employees far above average.
@@BM_100, billionaires cant and won’t pay their employees equally that’s why they are billionaires. Any big tech company billionaire is mining and using cheap labor as an example
Like Google outsourcing THOUSANDS of positions to India (no hate to India, just hating on Google and other tech companies) @@Andyatl2002
@@Andyatl2002instead of talking points you should put some thought into what you think.
This guy putting his hinge profile on the show plus messages... seriously biggest risk taker I have ever seen in my life.
HAHA. I couldn't help but laugh when even Caleb himself was like "THIS WAS A ONE TIME THING!" I love it. Thanks for doing this.
It was also a unique month 😂
Things that drive Caleb crazy:
-Yes, it was expensive... But I got a great deal!
-Financing random things.
-Unclear response to direct questions.
Caleb:
-The house was listed at 1.4M, I got a deal.
-Financed his furniture.
-My monthly income is complicated and changes....
difference is thet Caleb actually has the money
As a single girl I truly can’t believe how spot on everything graham said about your hinge profile was. Please take his advice Caleb!!!
Yes truly good advice!!!
I’m learning 🥲🤣
@@CalebHammer it's okay we are always learning! Wishing you the best of luck 🤞🏽❤️
@@CalebHammeryeaaa I second the initial comment and Graham as well😂. You are not a bad looking dude, you’re funny all these good things! You’re just choosing the worst text and profile options when going about hinge. But Shoutout to you for even putting this out there! I could never be able to do that so you’re stronger than me💯
Take kratom
The Hinge part was BRUTAL! Loved this entire audit. Thank you, Caleb! This was definitely a tough thing for you to do, but a sincerely brave thing. Us subscribers definitely appreciate it!
I felt so bad watching it because it's not really that bad but to have it front of his entire audience and be roasted by someone he respects, I felt the second hand cringe so hard.
Maybe collab with @courtneyryan with the dating advice. All the best ❤
Graham really let him have it on the messages 😅
@@TDPEquinoxnah it was THAT bad 😂 love Caleb but seeing him still try to ask out that girl after she politely rejected him was brutal. Hopefully he takes Graham’s advice to heart
Omg it was so hard to watch 😂 I was laughing and crying 😅😅 kudos to Caleb
Can we all just give Caleb a round of applause for being vulnerable and transparent in front of thousands of people! We all have things we can work on and be better at. Great cross over video ! 🙌🏽😊
I was cringing along with him!
Especially his friend's mom 🤣🤣
@@y0utuberculosis same! 😅
Made me respect him 10x more and I already respect him a lot 😂
A healthier financial population benefits EVERYONE!!! So you’re doing great work for a community as a whole
This was a huge risk to take and Caleb's got balls for doing it. Almost 3/4 of a million people look to this man for advice and to put himself on blast to show that he can make shitty decisions on occasion as well can really go either way, and im glad he did it, show's character. Nicely done.
I thought the same thing.
Me too 😊😊😊😊
Being irresponsible with money is the easiest thing in the world and even the most financially literate people in the world struggle with it.
Man showing off your dating profile and these finances is for public to see takes balls.
9 months later and now he has 500k more viewers, Caleb to 10M!
So many RUclipsrs flex their wealth (or really: flex their conspicuous consumption) without ever disclosing actual income/financials. This is refreshing transparency! And wow, Caleb, the Hinge audit is a step further. Really putting yourself out there with this one. Lastly, thank you for appropriately compensating the team behind the scenes that is helping you make this channel. We shouldn't have to thank people for doing the right thing by their employees, but so many business owners don't.
Yes!! There is so much I wanted to comment on the video, and proper compensation for Caleb’s behind the scenes crew was one of the things I left out! Admirable.
I can’t be the only woman to find Caleb charming, he seems like such a fun person to be around and has the cutest smile.
I bet hearing he makes six figures a month helped 🤔😏😜
@@Adam-ob1hlNo, people would say that even before he said how much he makes, nothing about the money, the guy is charming
@@chickpea okay thanks 🙏👍
@@Adam-ob1hlwell I own a business and make my own 6 figures and I’m totally into Caleb sooo… money isn’t everything 🤷🏾♀️
@rebeccamoechnig8974 are you single?
Let me take you to the cheesecake factory.. Got a coupon bbe 🤣
Nah, I was just playing with those comments.
Congrats on your success btw.
Mad respect to Caleb for putting himself out there like this.
Exactly my thoughts.
Getting grilled over the burger joint really had Caleb feeling the pressure his guests feel. Look at all that push back! Haha
I know, right! You could tell that he really wants to do it regardless of it being a poor investment at this time, but I was really impressed with Graham's sincere advice and you could tell it was a good reality check to Caleb.
I wouldn't say he was totally "GRILLED" lol
Buddha burgerrr!!! They missed a bleep
What about No Risk, No Reward? Dude just assumes the place is going to struggle and fail! What if it's a success, and expands into the next Shake Shack?
@@StreetPreacherr its about managed risk, graham has always preached managed risk, hence the "you dont have the finance to do it NOW/YET" and a "Maybe in a few years" as he has a point, it could bankrupt him even though he already should be set for life if he keeps making safe investments, keeps the channel growing or atleast where it is and keeps his creativity up for a few more years. its like graham said, its risking his entire current sucess, for potential sucess. or failure, but statistically not super likely sucess. say its not the same as every startup at the about 1-5/100 say its closer to 20/100 because of the other one being sucessfull. thats still overall a high risk, medium reward situation. as if the brand becomes the next McDonalds. that reward still goes mostly to the owner. caleb would ofcourse make good money on his sucessfull shop. but the overall reward still goes to the brand owner behind it all. especailly with buddha burger now, 8 months later still only having the one shop, 1.5k followers. about 15-25 likes on average. they have 5 reviews, although posetive they're all old ish. their website is currently down. their google reviews are good though, a 4.7, it just doesnt seem to be the next big thing, and i do think caleb was thinking about it a bit too emotionally and not fully thinking it through
The crossover we’ve been waiting for since the beginning
I could have gone w/o FTX boy tbvh
Caleb ready 😅
For real!
Ewww graham blows
It’s all come full circle baybeeee!
I just adore Graham after many years of watching his vids he has always been transparent and pretty spot on. Graham do more of these!!
Caleb I just found your channel and I think this was a great idea to have Graham audit you. Good for you being transparent. Did they say how much he made from RUclips?
Graham is killing it with the questions. Really insightful, challenging, and it is clear that real estate is his expertise.
Ni
It's interesting to hear Caleb use those same excuses that he constantly dismisses as stupid reasoning for decisions. Everyone's human.
Sounds hypocritical
One thing I've learned is that there truly is no "normal month". Literally every month since I've watched this show, something comes up.
Well yes, bit everyone's human. As the op commenter said. Caleb's whole thing is telling people what he wishes someone told him. Also, it seems from this video, he's dealing with wealth for the first time. This is everyone's first time at life, bro. Let's be understanding@@Smoke.Official
@@Smoke.OfficialClearly you have a mind of a child 😂
@@jasonnguyen9806 all im saying is this man nearly has a stroke every episode criticizing others when he himself makes the same excuses. Just like what the original comment said. Clearly u are a dic rider that resorts to insults when yr feelings are hurt
Hearing Caleb rationalize his own mistakes (which we all do, and clearly plenty of his guests are no exception) is both hilarious and insightful.
I think a great addition to financial audit would be people almost out of debt and how/where to invest based on their situation (single person right out of big debt, starting a family, right out of college, etc). I’m 5-8months away from being done with my last debt (student loans) and would love to see situations like mine 🙂
Graham knocked that out of the park!! The questioning his motives, giving extremely sincere advice about getting distracted from Caleb’s true giftings/talent, AND the relationship advice was SOLID. Graham cares about you Caleb, that is a solid friend in your corner
Graham sounds like what a good friend should be like. Be honest, direct, empathetic, but also not hold back any punches. When you try to help someone, it’s important to point out mistakes in order for them to improve.
caleb needs to just tell the ladies that he gets Squeaky when you sees you fast food spending
Your personality shines here. Continuing this as a series with you as the guest (nutritional audit, dating audit, etc) would be fun!
totally! that’s a really good idea
Women don’t like nice guys though
@@chitownkidd33they like guys with money and a big following tho 😂🤷🏻♂️
@@chitownkidd33I sure as fuck don’t like men who describe themselves as nice guys because none of them are genuinely nice.
Bro just called him fat
Love how Caleb is just as savage with his own thumbnail as he is with other people 😂😂
That title 💀
Goteem self
This definitely made me even a bigger fan of him!
Hope the food stains come out of his shirt.
@CalebHammer
The show is absolutely great. I've really enjoyed listening to you and Graham for the last year.
I love that Caleb is teachable and is willing to look at other's opinions. He practices what he preaches.
.
No he doesn't. The video literally started out with how he took out an impulsive loan on a 900k home.
And let's not get in to how the dude peddled shady sponsors that are antithetical to his channel and what he says.
Love Caleb but let's be honest here: He needs to be on the show (and should also be certified to be giving what is absolutely 100% financial advice).
@@orangejjay You're not wrong, just because someone says "not financial advice" isn't a magic bullet against it actually being financial advice.
@@orangejjay
It really shows Caleb's integrity and character to not only host Financial Audit but also be audited himself.
Actually I have to say that was nice that Graham was really in a position of a big brother. Caleb is doing financially well, but so new and Graham's own story was so refreshing to explain to Caleb.
Yeah I was getting some authentic big brother vibes from this video. I hope they do more content in the future together.
So awesome to see how much Graham cares
It's extremely humble of you to have the financial man himself do an audit on you. This is going to be a good watch.
Would be way more humble if he were actually struggling like the people he brings on. I get this is for fun, but really it's just a rich guy flaunting his money to an even more rich guy.
@@Stemanarif that’s how you take it, reevaluate
@@Stemanaryeah it's kinda insane hearing Caleb talk 6, figures a month on a 700k channel like wtf dudes balling out now..not a single person can relate to that.
@@nerdstreet3 this is attainable and then relatable if you put your mind to it and grind it out; this is motivating to me though lol
@@jacksonbilly9979 You are sadly mistaken. I'm a subscriber to his channel and appreciate it. I like hearing him try and help people out. But it's not "humble" to say you have 5 properties and $500k worth of investments in the stock market when he's 28-30 years old. Again, I'm happy he put in the work and has found a form of entertainment that has made his successful. I'm curious how successful his channel would be if he brought on people with his kind of money. The reason why this content is entertaining to watch is because the normal American can relate to what these people are actually going through
As a CPA, I really love watching two smart money guys opine and debate the wisdom of various purchases and financial goals. You two are a good pair, and I hope you’ll collaborate again in the future.
Throw in a bit of therapy.
I failed FAR the other day. I’m down bad
Shout out to the CPAs on here!
@@dirtydan6098gd going
This was so great. I was smiling the whole time. Graham was the perfect choice to Audit Caleb. You can tell how much love and respect Caleb has for Graham, and Graham is deadly with his very calm friendly nature delivering a brutal grilling. 'I like the house, but I don't like the price' is peak 'I'm not angry, I'm just disappointed ' energy. Looking forward to the follow up next year!
Nah bro he needs to evict those people asap. You can’t not pay rent that’s messed up. They’re taking advantage of your kindness.
Same kind of thing happened to my dad who owns some rental properties. It’s pretty fucked up and eviction can take forever
Damn the hinge part was pretty hard but insightful. That could be a whole series itself, online dating audit/ how to improve communication and your chances. Props to you Caleb!
That part was rough for sure hahah
Graham was 100% spot on and I know that hurt😅
@@lacrymosa777that photo with the banana is crazy. The fact that caleb thought that was a good idea is even crazier
@@thegreatpiginthesky3904Bro fr, I almost fell out of my chair when I saw the banana pic. I get that he was trying to be funny, but that is such specific humor I'm sure alot of women end up messaging back dudes with normal pics.
2 dudes on a giant banana as your main pic should be reserved for Grinder lmfao 🤣🤣🤣
@@Player-gn3dc not to mention you don't know which one is caleb and you can barely see his face. It's like something out of the office
Probably my favourite episode of this show. Never been a *huge* fan of Graham but he shines in this episode, and really comes across as more than a finance RUclipsr (around the 40-45 minute mark is really good stuff). Also huge prop's to Caleb for talking about his challenges with anxiety, eating habits, and dating. Say what you want, but those aren't easy things to share with millions of people.
Great episode overall. Congrats on your success, Caleb!
Its actually awesome seeing Caleb doing the justification process just by changing chairs 😂 this was a great show
As soon as he started saying his income "fluctuates" I was like dude, just say the average like you tell everyone else 😆
I'm kind of new here and have had a bunch of these vids in the background whilst working. I really enjoyed how much was going on in this episode, from financial advice, property talk, business advice, dating advice... it was all happening!
This was my favorite episode ever. It made me feel hugely better that even Caleb justified certain spending, and the transparency with income is absolutely refreshing. Graham had such good points and this was such respectful conversation
This was actually amazing. Seeing the dichotomy between someone who's had massive income for years and someone who attained it recently was fascinating. Caleb definitely still has the growth mindset you would expect from someone on the rise.
And seeing Graham come in and try to explain hey, this RUclips thing is really your cash cow, you dont need to be in "make a move" mode anymore.
Its interesting how the same mindset that got you to a million dollars can also bankrupt you if you dont continue to evolve.
I would love to see much more of financially successful people being audited. I can learn much more about what TO DO instead of just what not to do.
Yeah I’m at the point where I have no debt besides some student loans and an emergency fund. I know Caleb doesn’t do investment advice but I’m kind of at a “what now?” point in my life
@@cheeseandsprinkles77pay off those student loans is my vote! 😅 don’t give sallie mae more than needed - at any rate. Then save up for maybe a home/investment property if interested. If you ever plan on having kids I highly suggest saving now to be able to take time off work if you want. Or if you plan on getting married save up for a future wedding now. It sounds silly but you’ll never regret planning ahead. Or travel!
Excellent comment, I'm not interested in 0 or 1 Hammer Scores. Want to see more of Caleb and different situations
100% agree with this. Honestly I think most of the people that watch are financially literate and aren’t near the kinds of situations the guests are in. I’d really love to see him take someone though what they do after debt. I’m at 0 debt, building a cash-house, but after that no clue what to do with the cash. My only thought was keep building & selling but I feel like that’s too much risk and not sustainable in the long term.
I totally agree!
Great Episode! It was fun to see you in the hot seat for a change lol.... and he didn't go full squeaker mode on you, like you do to other guests.😂😂 I need to go sub to Graham now, because he made some great points and gave some really good advice. I can probably learn a thing or two from him as well.
Once you find success in a business, it's very easy to believe that you can find success in a bunch of other businesses as well. Success in one industry doesn't necessarily translate into success in other industries.
omg rSlash! always fun when I see youtubers I love commenting on other creators I just started watching lol
kind disagree
So you're the reason Caleb came into my algorithm 😂
@@MatzesWould you mind elaborating? I'm curious to read a counterargument.
I completely agree with you honestly. A lot of successful people will tell you they were in the right place at the right time and got lucky. Obviously not 100% luck, but a lot of the time, it helps.
YOU’RE THE PICKER! You’re intelligent, honest, have great values and genuinely care about people. You’re definitely a keeper, it’s just going to take a bit of time for someone to get to know you. Give yourself some credit. You’re the prize!
Thanks for being so candid and for helping so many people!
That’s exactly what I was thinking too!
Lol the gold diggers watching are gonna be downloading Hinge by the end of it, fr fr
I was thinking that too !
He’s definitely a keeper ! He seems like a very caring person . He’s the same age as my little sister ! I would love for them to meet . (She’s a lawyer so definitely not a gold digger )
He seems really sweet! I'm a bit old for him but ten years ago I would have totally gone out with him
As a single woman, I 100% agree with everything he said about Caleb's dating profile. Get a photographer friend or just a friend who is killing it at the Instagram game and ask them to take a good photo of you. Lighting and angles can change everything if you know how to work them. Then make that photo your FIRST one on the profile. Also consider what you are looking for when you are dating. Are you looking for a wife, a lifelong partner? Then maybe show off the husband material that you are, not the silly pics playing around with friends like kids.
Yeah. Men who are looking for a wife should show that they know basic plumbing and home repairs, and can change a tire.
@@genxx2724 everybody regardless of gender should know those things. I was referring to being more serious about your relationship goals and showing that with serious grown up pics of oneself.
I don't agree with this. This really depends on the person. You learn the things that someone can offer you by talking and getting to know that person. I, personally, like seeing the silly pictures as it shows more personality and not just the professional side of a person, as that can come off as intimating to some people. But that's just my opinion.
The most impactful change would probably be working out. Girls will virtue signal and say personality matters more than looks but that's BS. Personality is only relevant if you have the good looks to get their attention in the first place.
Completely agree.
Thank you for talking about panic disorder! When I was first diagnosed I couldn't find anyone online talking about it, let alone some one being successful in life while diagnosed with this.
We want the 6 month Hinge updates. We’re rooting for you Caleb
"6 months ago" they just announced he has a date in an episode this week
@@gabrielch.7973YAY!!! YOU CAN DONIT CALEB
Here in November 2024....I live 45 minutes from Austin, and he popped up on my hinge profile a couple weeks ago 😂
the dream!! changing my city to Austin 😛😛😛
So much respect for this episode. This builds your brand. He talked about how copycats will come up. New fresh ideas are great, but fundamentally people are here for you(mostly). Well done.
Wow, big props to you for being such a good sport Caleb. I laughed and smiled throughout, I love the sincerity, transparency and honesty throughout the video. It's not easy having Graham in front of you, criticizing every aspect of your life and person for 90 minutes. But it's all so well-intentioned that it still feels very friendly, not hostile at all. Very cool to watch.
Graham's hinge advice is 100%. I met my husband on Hinge, and we met only after hours of conversation. Engage and take your time, ask open ended questions, we are both INT types, so very direct and logical, which most people have a hard time with, I see that being an obstacle for Caleb as well. Be patient, man. You'll find your match!
Why is Caleb like a nerdy little brother? So full of good financial advice but so socially awkward lol
Love the Hinge conversation! Thanks for being so open!
😂
The Hinge element could be a whole new type of video content.
he is not socially awkward he is just genuine and nice
Dude I feel unworthy hearing how much Caleb’s house is worth and hearing him say “I can pay it off if I wanted”. Congrats man. Hard work pays off!
the courage it probably took to put this all out in public is crazy, massive respect to Caleb
honestly its so nice to see caleb like this. we often glorify ytubers but this is a good reminder that he is just a dude, like all of us, with worries, anxieties, and decisions that arent always rationale. so much respect for this episode, its pretty vulnerable and requires confidence and courage to do this, especially with someone like graham.
What a roller coaster of an audit. The Ashley furniture loan, arbitrage on the student loans and franchise dream were so interesting to watch. Mad respect to Caleb for having the guts to put this out. Graham was an excellent choice to do the audit. Great job guys!
It was super interesting and funny to watch! It's like he knows obviously quite a thing aboit finances but he is now being given a reality check about how to handle money as a newly rhich person which is just a whole new ballgame and on that level he looked kinda surprisingly naive but very receptive to critique so great audit!
You can tell Graham is well seasoned in this game! The advice he gives is top tier. 👏
Lmfaoo yea sure till he tells you to use FTX 💀 Graham unlike Caleb has no integrity at all!
Honestly I think his expertise in real estate was phenomenal for Caleb's situation. I think he was the best person to be the auditor. I'm surprised he wasn't more harsh to be honest.
@@mp5564His advice on the franchising and RUclips was also spot on
I found my fiance on a dating app. He was super socially awkward but with time he came around. I wholeheartedly agree with Stephan's advice. Don't act desperate or you'll just be another option, not THE ONE. Make them grateful to have YOU.
This!! Source: I also found my fiance on a dating app and he is also extremely awkward lol.
I found my wife of 8 years in a dating app, but I'm the awkward one
Or rather, if you're desperate, the other person would just feel like you're a burden, and they wouldn't feel good about that. Whereas you'd be impressive if you're awkward and you completely own it.
Caleb I deal with that same panic disorder and I’ve started therapy and it’s been super helpful. Thank you for talking about this.
This took a lot of humility and bravery to put yourself out there like this. I'm excited to see how future episodes are now that Caleb has been in the hot seat. This is a huge empathy growth moment.
Caleb, as a 54 year old guy who is nowhere near where you are in life, and I salute you for what you've achieved - you REALLY need to listen to this guy interviewing you, because he's got something you haven't - he's taken the emotional content out of the money and is totally pragmatic. He really has his head screwed on and is giving you some rock solid advice.
You have earned my trust. In medicine we are taught to not self diagnose or treat ourselves and the importance of haveing another physician to look at our own health concerns objectivly. When you are already educated it's sometimes hard to give someone else the reins and trust them completely. Allowing someone else to deep dive your finances publically takes a lot of humility and guts, and I respect you even more for it. Well done Caleb!
Now I can see why people move to parts of KY from these bigger places. You can buy the same house for a quarter of the price. They come here to pay off debt, get things in order for several years and move back.
Graham is such a wise financial guy and I love how he really cares and wants to guide and mentor you through your financial journey Caleb. This is awesome.
This was such a crazy moment at 30:45 , and I think it’s really important for all of us who are still improving our financial lives to remember stuff like this. Even Caleb, being the financial wizard he is, is vulnerable to wishful thinking and fantasizing. Few things in life suck worse then getting all excited about a purchase and convincing yourself that it makes sense, only to have reality smack you in the face. It’s a bummer, but it’s also why we work so hard and stay disciplined. I wish Caleb and all the rest of us all of the success in the world
You see how upset he got when it was explained from another perspective
I'm legit loving the fact that you're running through some of the same thought processes as the people you provide help to. This is almost a comedic sketch. Thanks for showing yourself!
"this is not a typical month" "I am doing better recently"
OMG...I love the Hinge section (sorry for the double-post)...You two are amazing together...You should do a follow up!
Seriously love this guy so much. Having such transparency with such a big audience is not an easy thing. Kudos to you Caleb.
80% transparency
Caleb, be confident!! You’re a catch and you need to realize that. Never get cocky, but be confident. Believe in what you’re “selling”. If the person doesn’t want it, that’s okay. You’re looking for the one. Not everyone.
A real catch! I hope he finds a good match
I like how they censored the name of the burger place at first and then just forgot to sensor it at like 31:40. Buddha Burger
Free marketing 😅
I think the editor missed one. There was also an unintended frame in the first 30 minutes as well. Might have been a rushed video or something.
It’s that Jedi mind trick. That slip wasn’t an accident 😂
It's crazy to see Caleb on the other side of the table and see his struggle with financial decisions. If there isn't a financial audit follow up, I would love to see it. See how far Caleb has come in a year!
I really like the idea of the “high income earner” kind of audit. I’d like to see more of these.
Someone more responsible
I agree! Bring in more people that are maybe not in disaster situations but can use some cleaning up. Own some real estate, higher income, etc.
Closest I've found is the I Will Teach You To Be Rich podcast with Ramit Sethi. He has a large selection of high income earners/couples and they're 1 hour+ episodes
@@LOLZHAHANOTFUNNYI was just coming to say this!
@@hushpuppy698 Suze Orman was good
Caleb’s money maker is his personality. Graham is absolutely right to go all in on that talent
Yeah it also makes sense that since his money maker is his creative outlets that he should put his focus in on that department
I have so much respect for you letting someone review your hinge I could never
I never used hinge I prefer real life
Bro fr, some of the most embarrassing things I've ever seen.
He reeked of desperation in all of those chats, I hope he takes Graham's advice and starts being the picker instead of begging women to pick him lol
Good luck Caleb
Yo can we please recognize how rad it was that Caleb talked openly and honestly about anxiety? As courageous as talking about your finances on youtube imo.
Big props to Caleb. This took integrity, I got a lot of respect for him from this video watching him interact with someone telling him straight up how some of his ideas are impulsive and too risky
Graham did an amazing job.
If I had to sum up the advice on this episode, it would be to stop overcomplicating things. Simplify what you can to free up mental energy for what’s important: creativity, health, relationships.
Caleb is actually doing some thing that a lot of entrepreneurs struggle with and that is listening to the idea fairy. He really likes all these different ideas that he focuses on all of them equally versus going all in on the one that works the best which is his RUclips show. Great insight and glad that Graham hammered it in
Caleb, I had that exact kind of panic issue (48:00) you’re describing. Turns out caffeine was the cause. No other drugs or anything would work. But once I could get all the caffeine out of my system (which took like 2 weeks), I can see that even the tiniest amount of caffeine will set off that anxiety even if I feel fine in regular situations
Just 15 minutes in and this is GOLD. From full time RUclips income to monthly cash flow goals to real estate. Thanks guys this is great 🔥
The hinge audit was my favorite part. I think Graham gave you some great advice and it was very entertaining.
I'm not into finance and just came across this channel because of the boogie video (that title was really catchy) but what you are doing is really important and makes me think of myself and my spendings. Also what a surprise with that great dating advice from graham. I'll keep watching for sure!
Thank you!
Really enjoyed the finance/dating advice crossover
Caleb is scared of situations he’s not in controlling yet really wants a Tesla because of the full self driving 😭
Make it make sense
As someone who also has a slight compulsive control issue, I think the reason Tesla doesn’t bother us is because at any moment we can take control of the car again. Something like a plane is a very different level.
This gives me the vibes of being a student and wondering "how well would the teacher do if THEY took the test?!" Love this and happy to see the other side.
As a financial RUclipsr and asking your guests to be vulnerable and put their financial lives out there for all to see and then you turn around and do the same thing is just *chef’s kiss*. Thank you for being humble and honest. I respect the hell out of you for putting yourself out there like that. I can tell you’re a good dude. 😊
Also the dating part, omg, made me laugh because dating is so hard, but it just made you just more adorable and endearing in my eyes!
Best of luck, I hope for your continued success. ❤
Also shoutout to Graham for being a great auditor! It was great to see the crossover. 😊
Holy cow, that Hinge audit must’ve taken some serious guts! Big props to you for doing this episode!
I love this! As someone who has 180-Ed my finances. Bought a home and have built a business. It’s nice to take the conversation to a new level.
I 100% agree with how you should focus on the channel. Here’s what I would watch in addition to financial audit:
1. More follow-ups!
2. Live Q&A
3. Take questions or suggestions from comments and make a video answering them or commenting on them
4. Blooper reels?
5. Get certified on investment advice and tell us more about investment, especially retirement
6. As an elementary teacher, it would be awesome if you had short 5 min mini lessons on finances for kids so I can use your videos as topics in class for lessons. Kinda like crash course kids but with finances
I think grocery shopping with people would be entertaining, but might not help as many people as everyone’s budget is different and prices vary across the country
Fun ideas
Solid ideas!
WOW!
I second this!!!
Fantastic suggestions!
THIS IS FREE CONTENT?? Caleb, this channel is a gold mine of knowledge and having Graham on the show was the best investment you made for the channel and yourself. I actually forgot just how knowledgeable Graham actually is. Here's something I learned that could even help me financially, invest in fixing your anxiety because that is your biggest liability. Anxiety will keep you from opportunities and will make decisions for you.
Emotions and personal finance are so intertwined it's crazy. Anxiety towards personal finances is an aspect of someones "Money Scripts", which is a psychological term coined by a researcher who studies people's emotions towards money. Sharing because I read about it and it helped me a lot 😊
The money he paid Graham is worth the ROI
@@CashClarity Thank you for the comment! I had no idea about Money Scripts so I'll make sure research becuase it sounds fascinating.
@@prettynpetty8342 for sure! I made some videos about money scripts because they were so helpful to me. The term was coined by dr brad klontz.
I friggin love the direction this video took with dating advice. 🤣 Caleb, thanks for being open with all of us and letting Graham roast you for our entertainment! More collabs please! Get on the damn plane. ❤
Thank you for talking about phobia about control. I have the same and flying is one of my worst ones as well.
Graham was spot on with the dating advise and texting behaviors Caleb has. I hope he follows Graham's advise!
i loved that segment the most
AGREED!! I can volunteer as a woman to adjust the profile for him to be a better representation of the cool guy he is
Couldn't have said it better. Definitely be yourself Caleb! You've got the looks, you're funny, and straight forward ! We're rooting for you 👏🏻
@@kirahund6711 or maybe you're trying women out of your league. I was getting dates every week and got married eventually off of bumble.
Absolutely dying at Graham’s dating app audit. Way to be a good sport, Caleb! I have to say, as a (married) Lady Viewer™️… I agree with most of his advice 🫢
Same! I know those apps' purpose is to get you a date, but everyone knows that so he's right that you can be less forward about it. Also girls have a lot to fear with guys, so they're going to want some level of comfort before taking any of those steps.
I wouldn't think poorly of you dating a fan. You're quick to point out that finances and trust are huge components of relationship success or failure, so a shared interest in improving those seems like a no-brainer. Unless you're asking her to buy you a franchise or she's asking you to cosign on a car loan after 2 months together, it'd be fine.😊
@@daniellebrackett4905he just needs to stop texting like they’re already friends, and not taking advice from his most likely “geek” friends who have no experience with women
Graham debating on the franchise. Was great. Doesn't matter how much someone has monetarily. Risky decisions always pop up, and impulse is always on people's mind. Very easy for things to turn badly.
Absolutely
@@CalebHammerCaleb !! Invest in dividends!! You can easily make 25k a month in that after time
I would love the new content ideas from gram