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I think you should start getting 3 months of statements to get peoples spending averages. You can still go over their most recent month, but people always say, “this month was special” and if you had a 3 month average, you could call them on their BS.
Thing's are paid for because his wife makes $60k. Comedians work mostly late night. No reason dude cant be working full time. Its a choice, he's lazy and she needs to recognize her worth.
10 minutes in and i get the vibe that Alex applied to come on the show to try to get some exposure on his comedy rather than minimising debt and increasing financial security
I am extremely concerned about how much men are willing to spend on vehicles to impress a stranger at a stoplight. Attaching masculinity to a product is dangerous.
I feel like he thought interest was only applied to new purchases and not the overall balance? I haven't finished the video yet, but as of now that's how it seems lol
It’s so funny because technically, technically if you have extra money to cover your debt, and the money needed to cover the expenses you are putting on your card, then the cash back is a positive financial impact. Problem is about spending habits and the fact that the balance is staying flat or growing. Then interest crushes you.
@@Kris-wo4pj Seriously, I dunno how this dude thought it worked. I like cash back because the card gets fully paid off and we get some cash back on money we would have spent anyway.
@@uniquenewyork3325it doesn’t make it any better by any means. The point is that it’s made into a huge problem when men do it but not when women do the exact same thing.
She said it was his idea to come on the show. Dude just wanted exposure for his little Facebook comedy or whatever. They don’t care to learn anything from Caleb
In swahili, we have a saying that roughly translates to "empty vessels echo loudest." He's very loud and confident for someone who has "I don't know" as part of his vocabulary. I'm stressed on her behalf.
the fact that he's obsessed with 5% cash back but doesn't understand that he's accruing huge amount of interest that totally negates any cash back is wild. People really have no clue how credit cards work.
@@user-mu5sl4vh7m He was right about the cashback on fuel, caleb needed to explain that he needs to pay the additional fuel off the monthly statement for it to work. Not carrying the excess fuel balance onto the 18% Card
I know I’m envisioning her angry and bitter Right now she’s laughing but when she can’t get a decent rate for insurance, a car, a house (if she can get one) because of his credit and decisions.
I don't understand how the dude making less than 20k a year is a big spender?! How do you not feel guilt over blowing your partners hard earned money when you're basically just a giant boat anchor holding them down?
You're acting like she had her finances in order and it was all him 😂 stop the manhating, your advice applies to men too...they shouldn't be dating a female that can't handle her finances
@@Sexyindian6969 if he brought in his fair share of income I would agree but she's bankrolling his "cash back" so he can make 5k a year telling jokes and spending money fixing a car that will never sell Also stop calling women females when you call men men
right and I am single and I know. I have guys who flirt with me trying to make me laugh while others do not try to make me laugh, but still flirt somehow so I know.
Stop making this about men, every time Caleb questioned her about any side of her finances she barely had an answer or understanding at all. This goes both ways, it's a responsibility issue and not a gendered issue. And the fact that you made it one is very telling about your character.
The boyfriend constantly “preforming” for the camera and like another commenter said refusing to disclose his age tells me all I need to know about him. Girlfriend needs to RUN for the hills!
For someone making close to nothing, he sure stays talking. She's being financially abused and doesn't even know it. All she does is smile, and speak only when spoken to. Lady blink twice if you need help.
Dude absolutely doesn't understand that he's still getting charged interest on the entire balance every month. He think's he only gets hit once per purchase.
Caleb, I wish you were a car guy. Nobody is making money on their garage restorations. He's delusional. Her having a 10 year old Mercedes is horrifying. That's a ticking time bomb. If you can't afford a new Mercedes, then you can't afford a used one. This applies to any luxury brand.
@@opuntina he's kinda right. Look at the price of actual luxury cars like Bentley, Rolls Royce etc. on the secondhand market and you'll see the difference. Mercedes aren't cheap, and they do make some high end cars. But they also make a lot of fairly mid-range offerings, and the value drops like a stone over the first three to five years. They're also just really common over here in Europe. Although I'm guessing they're quite a bit less common in the US, so maybe the brand still holds a bit more prestige over there.
@@rhiannondunkelberger5003 the funny thing is that mercs actually tend to survive quite well over time. The running costs are high (if you use genuine parts) but they don't tend towards low mileage catastrophic failures. Rust used to be what killed them, but that seems to have be less of a problem with post 2000s ones.
There's literally 20€ in ear Bluetooth headphones which are pretty decent or get any other brand than apple for 70-100. Seriously no need to pay 250 for the apple ones
@@capslapsmacmy Jlab sport headphones are perfectly suited for what I need: to listen to music while working out, not like this guy making a fashion statement while being a broke leech
@@FlyingJ420 got some from sony, 60 bucks, they got bluetooth, were the best rated in terms of sound quality (you can hear that) low charging time, long battery life (we talkin 10 hours+) - ye they feel like full on plastic, cause they are, but the product is hella fine
@@marlymarlymarly literally! I have a pair of Baseus bluetooth earbuds for like $25 tops that I've had for a couple years now, the sound quality is great, and it even has a built in microphone for calls etc. They are incredibly comfortable too. Why would anyone pay more for earpods is beyond me!
He should take out a boatload of student loans (nobody pays them back anyway), go to college and join a frat for four years to get it out of his system.
I think the problem is the balance of things and not the sentiment, because if it were flipped, him the breadwinner and saying no no no you can’t buy that etc. then you might see the problem there. The problem here is that they make a bunch of financially irresponsible choices and when it is seriously a stupid purchase or behavior they cannot afford, she doesn’t stand up and do all she can to keep that choice from being made.
@@BenState They don’t split their finances he has a bunch of credit cards and she has the bank and savings. She gives him her money she shouldn’t feel controlling if he’s not paying his fair share. He’s not even employed so he’s not keep his end of the bargain.
Hey Caleb! Thank you for what you do. Thanks to this show, I have gotten out of all of my debt, credit cards, and 72 month car loan in 3 years! Debt all gone. Iv started building up my 6 month saving and started retirement planning. Thank you, buddy!!!!
My heart goes out to her. I can't imagine what trauma has happened to her in the past to make her think any of this is remotely acceptable. You are worth so, so much more than this person and this lifestyle. The fact that he cannot understand the simple interest expense vs. cash back is heartbreaking. You know what Dr. Phil says, the only thing worse than living like this for x amount of years is living this way for x amount of years plus one day. 😞
I hate this because it removes all agency and culpability from this woman. She has a responsibility here and she also needs to take it. Her ignorance and irresponsibility shouldn’t be excused away by assumed trauma.
I was curious about this. It would be nice to see people who are doing mostly well but with some needs and who are not pulling money from fame. Like overall a good example but maybe needs some optimizing.
I have a pair of $19 Bluetooth headphones... People think that you need expensive stuff like ear pods when they cant afford it. And they talk about it like it is the only option.
People can save where they want to. Whether that be clothes, furniture or like you said headphones. People see a big price tag and think “oooh must be good!!” 🤦♀️
My husband is traveling for work this whole week. Tonight our "date night" is hitting play on Caleb's video at the exact same time and texting each other our reactions while we each eat dinner. Caleb is our favorite sweet treat! ❤
There is NO WAY this dude’s company is worth ruining her life. She needs to buck up, have some self esteem, and divorce this loser before she’s broke. It cost me 500k to get rid if my freeloader ex. Cautionary tale girl.
She was that awkward girl from high school who didn't get much attention, and he was the extroverted class clown who ran with the more popular crowd. She probably thinks she got lucky and married up.
He was overpaid by about $5000...... She needs to STOP filing jointly. File separately, then he can deal with the mess that he makes. The never to blame it on her....
She's actually thinks he's the funniest and smartest guy in the room. She's dazzled by the bullshit and would rather be in a relationship than start from scratch.
I’m a Tax CPA making ~82k and just completed my first DoorDash session last night because of this channel. Want to get rid of this debt so my Hammer Financial Score goes up 😤
Do you like what you do? I am working an entry level accounting job but have considered pursuing a CPA to do similar work - interested to see if you have any recommendations
@CalebHammer I used to work for a major credit card company and you need to tell people (like this guy) that if you carry a balance and make a charge interest starts accruing IMMEDIATELY - you only get the interest free grace period if you have a zero balance and pay it off at the end of the month. So many people fail to understand this and it is all in the fine print of the T and Cs that no one reads.
Thanks for explaining this! I was mentally saying "grace period!" in my head at Caleb! I forgot you get dinged if you don't have a balance. This should really be a pinned comment. (But even if interest accrued on the purchase AFTER a grace period, Caleb is still correct that carrying the balance and accruing interest is still < buying crap.)
@@AnalyticalMenace I have personal experience with someone who has this mindset. Had a guy i knew in college like this, he was either gona be a wall street broker with 10k suits and watches doing coke on the trading floor or die in a ditch somewhere. He either had -100 in his account or 10k, he went to the casino every weekend and either went with nothing and came back with enough for his tuition and dues or went with a roll and came back with nothing and had to beg borrow and barter for food for the week. basically shoot for the moon, if you miss might as well drift endlessly in space because if you didnt make it to the moon than whats the point? Basically the im gona have my name in the history books or die trying. This guy is just using it as an excuse to be reckless with his money, he might as well have said yolo.
@@alphamuplays1669 That sort of behavior and thinking signals strong borderline personality disorder vibes. In any event, this couple needs both individual therapy AND couples counseling.
I can’t believe she’s 29. This guy has aged her draining her and working her butt off to pay the bills. This guy is a deadbeat. It’s fine to have dreams, but don’t be a lazy bum that spends your partner’s money
It’s kind of ironic considering the plug in for AI videos that starts with “making videos takes a LOT of work like this and that” and then one guest is blurred 😂 like where is your operator who is doing A LOT of work
The thing he was trying to say is this was not an optional purchase. Buying some non essential good justifying through Cashback is foolish. In the world that Caleb and his wife were pushing for, he still spends 100 on gas. 100 leaves his bank account and the net impact on his credit card statement is STILL the same. That means a decision to NOT use a credit card(in the case of an inelastic purchase) is strictly behavioral. There could be merit to that framing, but from a pure math standpoint, if a purchase is going to happen no matter what, it would be better to go through the cash back version.
But only if you then have the discipline to turn around and pay off the entire balance before the next cycle. He, and other poor choice people, spend it on the card and then also spend the bank account money, too. Then he doesn't have the money to pay off the balance. People who are intelligent and who have discipline can get cash back and not pay interest etc. People who come on this show aren't those people. He is not that person. @kennyhouse8662
No what he’s saying is cash back is cancelled out and even out weighed by the interest the card is accumulating. Dave Ramsay would be the one using your argument. Cash back can be good if you don’t let interest accrue and Caleb knows that
@@kennyhouse8662 this is only true if you DON’T HAVE A BALANCE ON THE CARD. If the card has a balance on it and you add to the balance that is ACCRUING INTEREST, going for the cashback is net negative. It’s literally worse than cash This is what Caleb was trying to explain that you (and the guest) don’t seem to understand - it’s not just about behavior, the math is against you.
No, he's saying that getting a penny back when spending a dollar is way less than the $10 you'll be charged for carrying a balance you haven't paid off. Cash back is for people with no balance.
This is the problem with the old saying “money isn’t everything”. It (among so many other things) has brainwashed a generation into thinking they can’t have expectations of their partner.
So, I wasn't the only one getting troll vibes from this one. I know there are people in this world who suck at math. But this guy takes it to a whole new level I previously assumed was unattainable.
@@Sar-ahG I stopped watching - I refuse to watch a commercial for this hack, 5k per year comedian. If there was no audience, would he be yucking it up like that? Would he even be on the show? I doubt that he’d be so jovial in he was at an accountant’s office. @Caleb: be more selective.
The most attractive thing to me about my husband is that he could not care less about cars. Someone recently asked him what his dream car was and he said “something with wheels that doesn’t break down”. He’s much more of man than this guy, even though this guy has a motorcycle AND a truck 🫠
I love that mine loves cars but he’s also responsible with money. He can fix our car when it breaks down or needs maintenance, and he knows how things work. It’s a valuable skill. Liking cars doesn’t make you an irresponsible idiot
I’m shaking my head. I used to have these same type conversations with my now Ex husband. After many years of handling the money, except for a 1M house that was close to being paid off, no other consumer debt including three cars and substantial savings, his impulsiveness could stand it no more and his behavior turned to physical abuse with police and bail bondsmen becoming involved. He kept the house, bought me out and spent every $1 he could get his hands on. He is now deeply in debt with a $5K monthly mortgage. It took awhile to get stabilized, but I bought a small home with cash, paid my moving expenses, did some $$$ repairs on my home, working on getting my health repaired, invested the proceeds I received and planning a European vacation this Fall with the interest I’m earning on a high yield savings. I win. 🥰
@@rumooooni Thank you. I wish she could see where this is going before she has children with this immature man. He has her convinced no one else will want her and he’s burying her alive with crap vehicles living in a bad neighborhood. He’s “future faking” her with the life she thinks she has with him and she is in danger when she rejects his ridiculous demands for her smallest needs. He’s not a comedian, he’s a con man. Someone tried to tell me that it was going to happen to me and I couldn’t see it. I see it now.
My husband and I were very wealthy as well. He thought making payments on literally everything was a great idea. Then he died. By the time the dust settled, I got to start over at 55 with 69k. (My husband was in an accident in 2001 and every day after that was a gift to him. He wanted to have his dream life before he died. Well he got it. It's very hard to argue with a dying man. 😠 Now, some other family is living in his dream home and I'm thoroughly enjoying being debt free in a one bedroom apartment.)
@@teresahunt5521 I would not call us wealthy but I am a saver and said “no” to things most people wouldn’t give a second thought. Yes, the peace of mind is priceless.
Having a spouse treat your income like a child treats their parents money, is the most mentally torturing thing to live through. It sucks to have all your hard work and overtime do nothing but pay towards credit cards. 😕
“Classic cars go up every year.” Says no one who knows anything about classic cars. It’s a volatile market and you have to know what you are doing, which he does not.
Dude listens to Rogan (I do too) and hears all the comedians talk about struggling until they make it and I would bet everything I own he has said that to her multiple times
That is actually not bad if he was putting in real hours at a day job and is making upward progress year after year. 99% of people that attempt any sort of performance art don’t make money at all.
You often have to put several years of work honing your skills and building a network with any sort of creative pursuit before you see any monetary return. Caleb probably made $0 his first year doing youtube. The fact that he made even $5000 in a year and is looking to make more this year means he absolutely should stick with it. He needs to grow up though and work a full time day job and pursue comedy afterwords in the evenings and on weekends until it becomes financially viable to not have a day job anymore.
@@carlariggs525bull shit 💩. In every relationship where they don’t have common goals or a common plan they are working towards. Sure if your completely trash with finances this is about average
@@carlariggs525If you find a good partner, this isnt the case. Both my husband and I are painfully cheap. Been married 30 years, no debt. It can happen if you want it to.
To add to my comment… what I’m getting at is when only one person handles the finances, things get messy. When a couple is on the same page, knowing what bills need to be paid & how much money is going in/out/towards debts, life is so much smoother. From experience.
The number of people who spend money because "you get cashback" and then let the way higher interest on their balance eat them alive is actually mindblowing
As an aspiring opera singer who was brainwashed into thinking that doing or even being interested in something besides opera singing meant that you weren't serious, I can absolutely say that you NEED a plan B. I don't know the statistics on comedians, but in my industry 3% of singers make their living from singing ALONE. God forbid something like Covid comes along and wipes out quite literally all of your work... have a plan B people EDIT: I should have said aspiring full-time opera singer 😅 I graduated 3 years ago from my masters and work professionally as a singer, but definitely not full-time!
Playing in bands I had the same attitude when I was younger. Seeing how few people even pretty high up the chain were actually making their full living from music made me change my career goal from “touring in a band” to “working a decent paying job that allows me to tour in a band”.
@@AlexhPDX THIS. The times I've heard about people singing at theaters I can only dream about and STILL having a side hustle to make ends meet is crazy
This is true of many industries outside the arts too! It amazes me how many scientists I know that don’t have backup plans or keep their CV up to date.
Wait… they paid off $1,000 on his discover it but only $10 extra on hers? Buuuuttt it’s all her money. He also put the gas on her credit card after telling her not to use her own bank account. (So he can use the bank account to cover his credit card.) uh-oh.
He thinks he’s winning when he pays off $25 in gas to avoid the interest but has an almost $6k balance accruing $67 a month in interest. Make it make sense.
The fact that it took him so long to understand what Caleb was saying is alarming. I’m still not convinced he understands that his method isn’t logical.
Logically speaking, it's better to use a cash back card than your bank card. Let's say he has $25 in his bank account and $1000 existing balance on his credit card. His two options at the station pump are to use his credit card and his bank card. If he uses his bank card, the bank account balance goes to $0 and the cc existing balance accrues on $1000 at the end of the cycle. If he uses his credit card, he still has $25 in his bank account and his cc existing balance goes to $1025. He then uses the $25 in his bank account to pay down the $1025 by the end of the cycle. Net net in those 2 accounts, he ends up with $0 bank account balance and $1000 existing balance. HOWEVER, he has made 5% cash back on his $25 purchase and accrued interest (albeit very small) on his $25 bank account balance.
That only makes sense if a person isnt stupid, has self control, and makes money to pay their bills with. This dude is none of these. Cash back or not doesnt matter at all here when his interest rates and balanxes are so high--especially when he's smoked himself stupid and his money is the funniest joke he's ever told. @@healyshen890
@@LyciaJ I’m not talking about actual age, I’m referring to mental age. A dude could be older than you and still have the brain of a child so choose wisely 😂😂😂
Biggest misconception about credit card interest: If you are carrying a balance, you DO NOT get the 30 day grace period on interest. Every additional purchase you make on the card that already has a balance you’ve carried past the grace period accrues interest from day one of purchase until you pay off the balance in full. Please explain this to your guests because many people do not understand this. That is why he wasn’t getting how it wasn’t beneficial to him to not spend and get the “rewards”
Thank you! Commenting to boost this so more people can see it. Explaining interest math is a little confusing. Explaining that you are charged interest immediately on a purchase and it eats away any "cashback savings" before you get to the monthly due date makes more sense to me.
Isn't that how your supposed to raise your credit score though? I was taught by my parents to never get credit, that you end up losing money, so I never did. I don't have any debt but I have a low credit score despite a good income. Someone told me in order to raise my credit score, I have to take out credit and pay it slowly and not all at once. It's all so confusing and sounds like a scam to me but I'm dumb so what do I know? 😞
@@rebeccaspratling2865 I’ve paid off my balance every month since I was sixteen and I never had problems getting approved for my car (paid off years ago) or my mortgage (on track to pay off very early). In all those years I’ve paid $0 in interest fees - that money went towards building up good down payments and investments instead.
The movies told women to "Get a guy that makes you laugh..." and now here we are. 😭🤦🏽♀️ She is will look back one day and find it so hard to forgive herself for staying so long with this boy.
This is the FINAL week to join my investing program at a discount- AND I will give you a $100 moomoo cash reward calebhammer.com/investing/. Join today before the price goes up next week: calebhammer.com/investing/
Really want to… 😩
decisions decisions
There is a hard cut at 26:05 that makes it very hard to follow what's being talked about in the episode.
CAN YOU TEACH US HOW TO MAX DEBT AND LIVE LIKE KINGS
I think you should start getting 3 months of statements to get peoples spending averages. You can still go over their most recent month, but people always say, “this month was special” and if you had a 3 month average, you could call them on their BS.
Bet, They won't change a thing.
Thing's are paid for because his wife makes $60k. Comedians work mostly late night. No reason dude cant be working full time. Its a choice, he's lazy and she needs to recognize her worth.
A very large portion of the problems on this channel is simply people who don’t want to work
Plus, a job provides relatable content!
I'm just shocked these two have a house without some ninja mortgage.
*Things
had the same thought, most comedians work full time for MUCH longer and making more money than this guy is even close to doing. he’s just lazy
10 minutes in and i get the vibe that Alex applied to come on the show to try to get some exposure on his comedy rather than minimising debt and increasing financial security
this is EXACTLY it. He's a joke.
Great observation.
THIS. The lack of understanding cashback vs interest KILLED me. Its like he wanted to not know.
That’s what unfortunately a lot of the guest do I’m not saying every one of them or the majority but a lot of them
Well to be fair this doesn’t make me want to watch his comedy 😂
“How am I going to be a man with no motorcycle?”
How are you a man making less than a part-time teenage worker?
"lots of people struggle with not being man enough, Wannabe theo von, and not having a motorcycle has nothing to do with it"
I am extremely concerned about how much men are willing to spend on vehicles to impress a stranger at a stoplight. Attaching masculinity to a product is dangerous.
It doesn't help that we don't have men in our society. There is no actual example of a man to look up to.
This is the type of guy that will get robbed then be excited if the robbers take $1 out of his wallet and give it to him. It’s cash back!
How is he a man if he allows someone else to work their ass off to sustain him...😮
petition to get a counter for how many times caleb has to explain that 1% cash back is less than 20% interest paid on the purchase
🤣🤣
Yes he is going to have to make a diagram and have to pull it out on some people.
I feel like he thought interest was only applied to new purchases and not the overall balance? I haven't finished the video yet, but as of now that's how it seems lol
It’s so funny because technically, technically if you have extra money to cover your debt, and the money needed to cover the expenses you are putting on your card, then the cash back is a positive financial impact.
Problem is about spending habits and the fact that the balance is staying flat or growing. Then interest crushes you.
He failed math in first grade and never caught up again.
This guy heard "cashback" in ONE discover commercial and made it his whole financial personality
Hahaha 😂
Cashback is literally pennies back too. Sure i get it but i also pay off the card as soon as possible. I just use the cashback to help with it.
@@Kris-wo4pj Seriously, I dunno how this dude thought it worked. I like cash back because the card gets fully paid off and we get some cash back on money we would have spent anyway.
It’s funny cause he’s talking about “but you get cash back” but the way to get the cash back is to pay off the card 😂😂
I feel like she does know more about her retirement fund but she really doesnt want him to know how much is there...
Ohhhhh, that makes more sense than her not knowing 😮
Yeah they send notices every quarter for me on what my retirement is making. She knows. But no sane person would tell him.
I was thinking the same exact thing. She probably knows how he is and doesn’t want him to think they can fall back on that if they need extra cash.
Good point
@@debbiejones953he knows now
the dude trying to make jokes and Caleb being the toughest crowd in the planet was funny af lmao
Seriously! There’s a time and place for everything and this isn’t the time to be a “comedian”
This is what happens when you don’t move past your teen idea of what a cool boyfriend would be.
Even my teen self wouldn’t have dated a guy that talks this dumb!💢
This hits the nail on the head! I grew up in the same area & this 'class clown' who never grew out of it certainly is thick on the ground there lol
Devil's advocate: life isn't worth taking all that seriously, because we don't get very much of it.
@@TexBirdie it’s not even his career. It’s the “i dun care bruh” “oh look at me I’m sooo funny and spontaneous and cool” type thing.
It’s pathetic.
The backward cap says it all. What a loser and no brain cells that function. wow
The “do you want kids” question terrified him. He is not even committed to his relationship.
He was like I AM THE KID 😂😂😂
You're not wrong but faulty reasoning.
I'd love to have a partner but I definitely don't want kids.
He knew he would need to grow up with kids
This guy is really struggling with the cash back concept
@@SamuTheFrogexactly. I don’t want children either anymore and only consider dates with women who wholeheartedly agree.
This guy really said “she get embarrassed easily.” Like sir that’s impossible because you are the most embarrassing husband I could imagine. 😂
Facts
Please, please, please lol
Not to mention, that's a respectable thing to be embarrassed about. There's a problem if he's not...
@@lvega5606 naive
You people have no idea how dark the real work is.
Discover: "Guys, we're getting 30% cash back from this guy!"
This right here! CC companies love bozos like this guy.
I just did a spit take.
I think this would be a good way to explain it to people lol
😂 savage
Dying 😂 but that’s also a great way to explain it to a non-credit card person!
"Don't have a Plan B."
Sounds like comedy is his Plan B and living off her is Plan A.
Run, sis.
The way she laughs at literally everything is a sign that she’s no better
Laughing is a sign of awkwardness and embarassment not that she is not taking it seriously.
Exactly - he’s living his plan A - off of her.
Being a self-proclaimed “big spender” when you bring in like 12% of a household income that already isn’t super high is BANANAS.
Girls do this all the time 😂
@TrippyLuxx how does that make it better?
@@TrippyLuxxur right as hell now that I think 😂
@@uniquenewyork3325it doesn’t make it any better by any means. The point is that it’s made into a huge problem when men do it but not when women do the exact same thing.
I love when I see other people say "banana" I say it all the time, probably bc I'm a mom to young kids but it still makes me chuckle
As soon as he said "I don't look at the bank account because then I might not purchase $50 in cigars" I knew Caleb was going to lose his mind.
I realized why she doesn’t talk much, she knew he’d sink himself by talking lol
This. Or she’s not allowed to upstage the clown.
Well he's not really letting her talk and wants the attention on him when he's not even the breadwinner in this situation
Literally the reason he's with her. He can run his mouth and she'll just giggle every time
She said it was his idea to come on the show. Dude just wanted exposure for his little Facebook comedy or whatever. They don’t care to learn anything from Caleb
In swahili, we have a saying that roughly translates to "empty vessels echo loudest." He's very loud and confident for someone who has "I don't know" as part of his vocabulary. I'm stressed on her behalf.
She looked like she found her hubby funny the whole time
@@Jumperkiller909 she thinks he's hilarious...I'm very confused
Empty barrel makes the loudest noise
You are correct!😢
I am going to use that saying for a guy at work.
The husband refusing to disclose his age tells me a lot about this relationship. He's going to bleed her dry.
RIPPPPPPPPP
And for those who don't know, Killeen is basically a shithole of a city.
While he does sound a bit slimy, I have to admit that I forget my age often....and I am only 35.
True
Lol 1 minute in and I came looking for this comment!
If his "comedy" gig ever takes off, he is dumping her first thing.
too bad it won't ever take off
He will throw all of his money down the toilet and won't be able to afford to pay an attorney for a divorce.
Ughhhh this guy was the obnoxious, disruptive “class clown” in high school that nobody could stand
I was the classy clown no one could stand 🤡
@@xCCflierx ooff lol
It needs to be taken more seriously as a diagnosis.... these people RUIN the lives of their fucking spouse!!!! @Shadowsnhd
@Shadowsnhdno, it doesn’t. That’s not what adhd is.
@Shadowsnhd don't bring us into this he's just immature.
He is a comedian. His finances are a complete joke
Im laughing
Best comment
Hahaha
You’re not wrong! 💀💀
theo von gives a lot of unfunny guys confidence to think they could be comedians
When Caleb said "She works in an office and you're a comedian" when talking about the truck I died laughing. Caleb can roast. He should be a comedian.
the fact that he's obsessed with 5% cash back but doesn't understand that he's accruing huge amount of interest that totally negates any cash back is wild. People really have no clue how credit cards work.
And thinking that a quick payment will negate your most recent purchase…
That's not how it works. He was right on this one, Caleb was wrong. You have no clue how it works.
He thinks he found the LOOPHOLE, where a company just GIVES him free money for doing nothing -.-
@@user-mu5sl4vh7m He was right about the cashback on fuel, caleb needed to explain that he needs to pay the additional fuel off the monthly statement for it to work. Not carrying the excess fuel balance onto the 18% Card
He is definitely the target audience for those cash back cards and proof of why they work for the credit card companies 💰
This is what a future divorced couple looks like
I know I’m envisioning her angry and bitter
Right now she’s laughing but when she can’t get a decent rate for insurance, a car, a house (if she can get one) because of his credit and decisions.
@@happyhatterexactly
They can't afford divorce attorneys
God willing 🙏🙏🙏🙏
This couple is a perfect example of two people who should not commingle money. If he only had access to what he earns his joyride would be over.
I don't understand how the dude making less than 20k a year is a big spender?! How do you not feel guilt over blowing your partners hard earned money when you're basically just a giant boat anchor holding them down?
Because in his mind he's going to make it big one day, so it's not a big deal.
Unfortunately there are plenty of them.
Right. 🤮
Her money is his money 🙌
@@Lefthandshooter69 sugar babies unite!
Raise hell praise Dale!
Ladies, please remember, just because he makes you laugh doesn’t mean you should marry them. Men need more to them to be a good partner 😑
She fell for the blue eyes. And she's mid 30s (obviously) and probably felt this is her last chance to get married
You're acting like she had her finances in order and it was all him 😂 stop the manhating, your advice applies to men too...they shouldn't be dating a female that can't handle her finances
@@Sexyindian6969 if he brought in his fair share of income I would agree but she's bankrolling his "cash back" so he can make 5k a year telling jokes and spending money fixing a car that will never sell
Also stop calling women females when you call men men
right and I am single and I know. I have guys who flirt with me trying to make me laugh while others do not try to make me laugh, but still flirt somehow so I know.
Stop making this about men, every time Caleb questioned her about any side of her finances she barely had an answer or understanding at all. This goes both ways, it's a responsibility issue and not a gendered issue. And the fact that you made it one is very telling about your character.
I can tell by how close he is to the mic he viewed this as his opportunity to shine!
How is she not turned off completely by him? My brain is not computing.
Nerves are involved and you must be an imbecile by assuming others relationship.
Ikr!?! He’s repulsive.
My big brother told me guys like that get girls by “laughing them into bed”
She laughs at almost everything. She probably thinks he's really funny. I too can't see why she is with him.
For real
She is more like his mother, than his wife. Dude acts and has finances like a teenager.
Sadly :/
He's like a child spending his mom's money. Disgusting.
And yet he's 39
@@angelasepi657it is gross. But she lets him.
Absolutely. Even his guess that the average couple spends $350 a week on groceries tells me he has absolutely no idea how the real world works
The boyfriend constantly “preforming” for the camera and like another commenter said refusing to disclose his age tells me all I need to know about him. Girlfriend needs to RUN for the hills!
The sad thing is he's a HUSBAND.
Shes an enabler. She's smiling the entire time
She said she wants kids eventually and he said MAYBE. Divorce now!
She already adopted a child.. him. 😬
Looks like she's already raising 1 child.
@@candicisco9666bingo!
He would definitely need to grow up and get a real full time job.😢
In his defense, it was the smartest thing he said, he should not be raising kids 😅
For someone making close to nothing, he sure stays talking. She's being financially abused and doesn't even know it. All she does is smile, and speak only when spoken to. Lady blink twice if you need help.
She laughs hard at all his jokes 😂😂
She is physically attracted to him. You would be surprised how many women are with stupid men. It is not rocket science.
not everyone is a victim
@@jeanettealfred3054she's probably the only one
She must have a super low self esteem and doesn't think she can get a boyfriend
Dude absolutely doesn't understand that he's still getting charged interest on the entire balance every month. He think's he only gets hit once per purchase.
i’m 13 minutes in and if i took a drink everytime this guy has said “cashback” i would be blacked out already
But imagine if you got 5% cash back every time he said cashback
But the .21 cents cash back negates the interest accrued 🤔🤷🏼♂️ it’s just how the math is mathing
@@Beanhill_94 Bruh. I'd be retired by now if that were the case.😆
Well, look at this way: If you set aside $10 every time he said that, you'd have a nice pile of cash. 😉
Some common core math here
Loser husband title? A fire recap clip? Back taxes? Not understanding the cashback trap? Oh we are SO back on a Monday morning.
Right?! We normally have to wait until Friday for these kinds of episodes.
Fire sweet treat
Cash back only works if use it on stuff you buy in budget not etc bull 💩 😅😂
Caleb, I wish you were a car guy.
Nobody is making money on their garage restorations. He's delusional.
Her having a 10 year old Mercedes is horrifying. That's a ticking time bomb. If you can't afford a new Mercedes, then you can't afford a used one. This applies to any luxury brand.
He def needs to learn more about cars. My luxury car has held up 17 years but has been a bit costly in repairs so it’s really a gamble!
Mercedes is not a luxury brand
@@current3109 in what world?
@@opuntina he's kinda right. Look at the price of actual luxury cars like Bentley, Rolls Royce etc. on the secondhand market and you'll see the difference. Mercedes aren't cheap, and they do make some high end cars. But they also make a lot of fairly mid-range offerings, and the value drops like a stone over the first three to five years. They're also just really common over here in Europe. Although I'm guessing they're quite a bit less common in the US, so maybe the brand still holds a bit more prestige over there.
@@rhiannondunkelberger5003 the funny thing is that mercs actually tend to survive quite well over time. The running costs are high (if you use genuine parts) but they don't tend towards low mileage catastrophic failures. Rust used to be what killed them, but that seems to have be less of a problem with post 2000s ones.
Runner here. $15 headphones that go over your ears work just fine. Caleb gets it right again.
There's literally 20€ in ear Bluetooth headphones which are pretty decent or get any other brand than apple for 70-100. Seriously no need to pay 250 for the apple ones
@@marlymarlymarly I use JLAB Bluetooth headphones. 30$ and I use them more then I ever used my AirPods. They’re amazing
@@capslapsmacmy Jlab sport headphones are perfectly suited for what I need: to listen to music while working out, not like this guy making a fashion statement while being a broke leech
@@FlyingJ420 got some from sony, 60 bucks, they got bluetooth, were the best rated in terms of sound quality (you can hear that) low charging time, long battery life (we talkin 10 hours+) - ye they feel like full on plastic, cause they are, but the product is hella fine
@@marlymarlymarly literally! I have a pair of Baseus bluetooth earbuds for like $25 tops that I've had for a couple years now, the sound quality is great, and it even has a built in microphone for calls etc. They are incredibly comfortable too. Why would anyone pay more for earpods is beyond me!
My god it’s like watching a middle schooler try to pretend be an adult.
He should take out a boatload of student loans (nobody pays them back anyway), go to college and join a frat for four years to get it out of his system.
Caleb should have asked him "so what do you want to be when you grow up?"
Bart Simpson all growed up
The loophole he’s looking for is paying off the card every month. If he’s not getting charged interest, the cash back is “free money”
caleb: you cant afford the headphones!!
him: buy them outright. got it.
“I don’t want to be controlling” its your money not his it’s not controlling to say no.
I think the problem is the balance of things and not the sentiment, because if it were flipped, him the breadwinner and saying no no no you can’t buy that etc. then you might see the problem there. The problem here is that they make a bunch of financially irresponsible choices and when it is seriously a stupid purchase or behavior they cannot afford, she doesn’t stand up and do all she can to keep that choice from being made.
They're married. It's legally 'theirs'. Fact.
@@BenState They don’t split their finances he has a bunch of credit cards and she has the bank and savings. She gives him her money she shouldn’t feel controlling if he’s not paying his fair share. He’s not even employed so he’s not keep his end of the bargain.
@@Sheahova You don't seem to understand how the law works. But pls, keep on telling us the absolute obvious.
Hey Caleb! Thank you for what you do. Thanks to this show, I have gotten out of all of my debt, credit cards, and 72 month car loan in 3 years! Debt all gone. Iv started building up my 6 month saving and started retirement planning. Thank you, buddy!!!!
That's amazing! Nice job!! 👏👏👏
My heart goes out to her. I can't imagine what trauma has happened to her in the past to make her think any of this is remotely acceptable. You are worth so, so much more than this person and this lifestyle. The fact that he cannot understand the simple interest expense vs. cash back is heartbreaking. You know what Dr. Phil says, the only thing worse than living like this for x amount of years is living this way for x amount of years plus one day. 😞
Dr. Phil?!?
u had me until Dr Phil
Word
I hate this because it removes all agency and culpability from this woman. She has a responsibility here and she also needs to take it. Her ignorance and irresponsibility shouldn’t be excused away by assumed trauma.
girlie makes enough to get an apartment on her own, she should RUN
She should absolutely flee 🏃♀️
She’s smiling and giggling like this immaturity is cute.
Agree -from another female who doesn’t wanna raise a boyfriend 😅
Her sitting back watching Caleb tear his ass up with logic is CLASSIC 😅
Hammer Score Hint: If you're accepted onto this show (and not an influencer/celebrity), there is basically no chance your Hammer Score is over a 3.
I was curious about this. It would be nice to see people who are doing mostly well but with some needs and who are not pulling money from fame. Like overall a good example but maybe needs some optimizing.
@Anarxur that just becomes investing advise which Caleb can't do without a license that's arguably more trouble than it's worth.
@@masonharris9166 I don't disagree. I'd just like to see some examples here and there of people doing better than the dumpster fires that get views
@@AP-uk4di RIP but congrats. It would have been enlightening I think to have seen videos of journeys like yours and what it took to get there
@@Anarxur would be nice but not as entertaining
15000 a year and wants to collect classic cars, hmm I'm thinking matchbox cars would be a better fit for this guy
Matchbox might get too expensive for him too at 15K a year
Holy shit he's not pretending, he thinks he can pay off a card with cash back.
I have a pair of $19 Bluetooth headphones... People think that you need expensive stuff like ear pods when they cant afford it. And they talk about it like it is the only option.
Legit. I lose headphones constantly. I get them at dollar tree, or temu, or Shein. For like, $5.
I got cheap earphones when I didn't take care of them, but I had one pair I got for 100 dollars for three years now
People can save where they want to. Whether that be clothes, furniture or like you said headphones. People see a big price tag and think “oooh must be good!!” 🤦♀️
What brand or where did you buy? I’ve had a few cheap ones and they broke after a few months…
Yep I have $25 Jlabs wireless buds and I love them. I couldn’t imagine spending $100+ on something like that.
My husband is traveling for work this whole week. Tonight our "date night" is hitting play on Caleb's video at the exact same time and texting each other our reactions while we each eat dinner. Caleb is our favorite sweet treat! ❤
This is so wholesome lol
That’s super cute.. I literally LOL over here in Australia at Caleb’s one liners.
This is too cute
Fun!
Text? Why not whats app or hell discord for video calls
I’ve been binge watching for four days straight, Thank you Caleb I’ve been learning A LOT
There is NO WAY this dude’s company is worth ruining her life. She needs to buck up, have some self esteem, and divorce this loser before she’s broke. It cost me 500k to get rid if my freeloader ex. Cautionary tale girl.
It cost me almost 10k and we weren't even married. If he is not sobered from this and making changes, she has to know she is worth more than that.
cost me my soul now im super evil
Look at the way she looks at him, she doesn't care about money. She'd put live kittens in a blender for him.
@@frankvonfraunershe must have super low self esteem
She was that awkward girl from high school who didn't get much attention, and he was the extroverted class clown who ran with the more popular crowd. She probably thinks she got lucky and married up.
He's got an 18k credit limit on his Discover and makes 20k per year, 6k credit card debt, and owes back taxes. #winning
As an American, I feel as though it's actually an *achievement* having never owned or used a Discover card.
that was her card
And he probably included her salary or lied about his own when he applied for the card.
@@lianalonge1984I was wondering the same. How was he even approved for that much credit?
He had about $2k in debt on his card. She had the $4k in debt with the $18k limit.
I feel like I haven't heard Caleb say 'taquitos!' in a long time. I miss it. 😊
we moved on to sweet treats
He was overpaid by about $5000......
She needs to STOP filing jointly. File separately, then he can deal with the mess that he makes. The never to blame it on her....
They’re married. She’s shot herself in the foot. She should have stayed broken up with him when she left
He is a complete jerk. If she stays with this loser she is doomed.
“He’s the dude you have fun with, don’t marry”
Too late. She's showing all the signs of Stockholm syndrome.
Guys that make a girl laugh, her eyes are closed more than they should be
She obviously doesn't care. She's a ditsy clueless mid 30s girl trying to act younger than she is. She laughed the entire episode at his dumb shit
He’s pulling this woman down to the dirt right before our eyes 😂 and she’s married to this pile of shit?? Oh baby 💀😂
Chances of this “dude” following through…. 0.00%
This is so frustrating. He is a CHILD!!!!! A walking red flag, I hope she opens her eyes soon before he ruins her even more
She clearly has her own work to do if this is acceptable to her
Facts ! @@alfsmom8025
She's actually thinks he's the funniest and smartest guy in the room. She's dazzled by the bullshit and would rather be in a relationship than start from scratch.
@@philwill0123this is why people are unhappy in relationships. People don’t want to work on themselves and a relationships.
I’m a Tax CPA making ~82k and just completed my first DoorDash session last night because of this channel. Want to get rid of this debt so my Hammer Financial Score goes up 😤
Do you like what you do? I am working an entry level accounting job but have considered pursuing a CPA to do similar work - interested to see if you have any recommendations
I hope you stopped SPENDING
Good for you. Massive respect.
Just don’t work door dash during busy seasons!
Are you using a car or a bike?
I hope this lady finds someone that can make her laugh, and not just cry
@CalebHammer I used to work for a major credit card company and you need to tell people (like this guy) that if you carry a balance and make a charge interest starts accruing IMMEDIATELY - you only get the interest free grace period if you have a zero balance and pay it off at the end of the month. So many people fail to understand this and it is all in the fine print of the T and Cs that no one reads.
Yes!!! This is what people completely fail to understand. Somehow they think the CCCs are in business to be their fairy god mother. 😅
!!!! I didn’t know this. luckily I never have kept a balance but damn
Thanks for explaining this! I was mentally saying "grace period!" in my head at Caleb! I forgot you get dinged if you don't have a balance. This should really be a pinned comment. (But even if interest accrued on the purchase AFTER a grace period, Caleb is still correct that carrying the balance and accruing interest is still < buying crap.)
And I think you have to go so many statement periods before they give it back to you once you lose it. If I remember right.
I did not know this. Good thing I've never used a credit card.
“Don’t ever have a Plan B”
*tightens seatbelt
yikes lol
I've literally *never* heard this saying till now.
@@AnalyticalMenace I have personal experience with someone who has this mindset. Had a guy i knew in college like this, he was either gona be a wall street broker with 10k suits and watches doing coke on the trading floor or die in a ditch somewhere. He either had -100 in his account or 10k, he went to the casino every weekend and either went with nothing and came back with enough for his tuition and dues or went with a roll and came back with nothing and had to beg borrow and barter for food for the week. basically shoot for the moon, if you miss might as well drift endlessly in space because if you didnt make it to the moon than whats the point? Basically the im gona have my name in the history books or die trying. This guy is just using it as an excuse to be reckless with his money, he might as well have said yolo.
caleb please keep the whiteboard
@@alphamuplays1669 That sort of behavior and thinking signals strong borderline personality disorder vibes. In any event, this couple needs both individual therapy AND couples counseling.
I can’t believe she’s 29. This guy has aged her draining her and working her butt off to pay the bills. This guy is a deadbeat. It’s fine to have dreams, but don’t be a lazy bum that spends your partner’s money
Petition to increase the depth of field to have both guests in focus 🗳
THIS THANK YOU
These are the kind of RUclipsrs that leave the camera on auto lmao
Her mic looks nice at least
It’s kind of ironic considering the plug in for AI videos that starts with “making videos takes a LOT of work like this and that” and then one guest is blurred 😂 like where is your operator who is doing A LOT of work
Finally someone!
Oooo a couples audit. Such a sweet treat for this Monday morning!
Thanks for being here!
It’s my birthday today. Best sweet treat from Caleb!
@@AngelinaBartlett-x8u Happy birthday!
If only she was in focus….
I lost my shit when he pulled out the white board, teaching him like a little kid. 🤣🤣🤣
There are different learning styles. Some people need to see things visually.
Girl, RUN!! You deserve so much better.
What Caleb is trying to say is "You get a penny back for spending a dollar means you still spent $0.99 regardless... Not that you earned a penny back"
The thing he was trying to say is this was not an optional purchase. Buying some non essential good justifying through Cashback is foolish. In the world that Caleb and his wife were pushing for, he still spends 100 on gas. 100 leaves his bank account and the net impact on his credit card statement is STILL the same. That means a decision to NOT use a credit card(in the case of an inelastic purchase) is strictly behavioral. There could be merit to that framing, but from a pure math standpoint, if a purchase is going to happen no matter what, it would be better to go through the cash back version.
But only if you then have the discipline to turn around and pay off the entire balance before the next cycle. He, and other poor choice people, spend it on the card and then also spend the bank account money, too. Then he doesn't have the money to pay off the balance. People who are intelligent and who have discipline can get cash back and not pay interest etc. People who come on this show aren't those people. He is not that person. @kennyhouse8662
No what he’s saying is cash back is cancelled out and even out weighed by the interest the card is accumulating. Dave Ramsay would be the one using your argument. Cash back can be good if you don’t let interest accrue and Caleb knows that
@@kennyhouse8662 this is only true if you DON’T HAVE A BALANCE ON THE CARD. If the card has a balance on it and you add to the balance that is ACCRUING INTEREST, going for the cashback is net negative. It’s literally worse than cash
This is what Caleb was trying to explain that you (and the guest) don’t seem to understand - it’s not just about behavior, the math is against you.
No, he's saying that getting a penny back when spending a dollar is way less than the $10 you'll be charged for carrying a balance you haven't paid off. Cash back is for people with no balance.
The car thing is a hobby, NOT an investment
Pretty sure he just thinks he's funny because she laughs at everything he says.
Yes and I think it’s more of a nervous laugh or she is high AF
@FaunaFloraFae absolutely an awkward laugh.
agreed, but she laughed at everything that caleb or anyone else said as well. match made in heaven i guess
@@uniquenewyork3325yep, coping/defence mechanizm
@Shadowsnhd Nobody can or should take this dude serious. There is a million of this dude out there, the comedy thing is not happening
I can’t tell if she’s laughing with him or at him.
She’s busting her ass earning 50k yearly but he can hardly bring in 5k? She should leave
Well, to be fair he earns 20k when you add in his server income
This is the problem with the old saying “money isn’t everything”. It (among so many other things) has brainwashed a generation into thinking they can’t have expectations of their partner.
I get the vibe she's semi-embarrassed of him
I always feel the need to comment when someone replaces "when" with "whenever"... "Whenever my dad died" drives me NUTS.
I hate this guy. He’s clearly using the show for marketing purposes for his act.
100%
So, I wasn't the only one getting troll vibes from this one. I know there are people in this world who suck at math. But this guy takes it to a whole new level I previously assumed was unattainable.
Hopefully they still hear the advice regardless of the reason they came
@@Sar-ahG I stopped watching - I refuse to watch a commercial for this hack, 5k per year comedian. If there was no audience, would he be yucking it up like that? Would he even be on the show? I doubt that he’d be so jovial in he was at an accountant’s office. @Caleb: be more selective.
And the only thing that's funny is his finances and how ignorant he is about them.
They only reason he reached out to go on the show was to advertise his name. She needs to run away from this child A.S.A.P.
it didn’t work, i can’t find his comedy 😢
@@gravyyybot28they use fake names on this show because of a prior incident where they didn't and someone got harassed by viewers
@@katkorman1581and to avoid these clout chasers
The most attractive thing to me about my husband is that he could not care less about cars. Someone recently asked him what his dream car was and he said “something with wheels that doesn’t break down”. He’s much more of man than this guy, even though this guy has a motorcycle AND a truck 🫠
I love that mine loves cars but he’s also responsible with money. He can fix our car when it breaks down or needs maintenance, and he knows how things work. It’s a valuable skill. Liking cars doesn’t make you an irresponsible idiot
I’m shaking my head. I used to have these same type conversations with my now Ex husband. After many years of handling the money, except for a 1M house that was close to being paid off, no other consumer debt including three cars and substantial savings, his impulsiveness could stand it no more and his behavior turned to physical abuse with police and bail bondsmen becoming involved. He kept the house, bought me out and spent every $1 he could get his hands on. He is now deeply in debt with a $5K monthly mortgage. It took awhile to get stabilized, but I bought a small home with cash, paid my moving expenses, did some $$$ repairs on my home, working on getting my health repaired, invested the proceeds I received and planning a European vacation this Fall with the interest I’m earning on a high yield savings. I win. 🥰
I'm glad you escaped before he either stole from you / left you with debt with kids so many stories turn out like that ...😢
@@rumooooni Thank you. I wish she could see where this is going before she has children with this immature man. He has her convinced no one else will want her and he’s burying her alive with crap vehicles living in a bad neighborhood. He’s “future faking” her with the life she thinks she has with him and she is in danger when she rejects his ridiculous demands for her smallest needs. He’s not a comedian, he’s a con man. Someone tried to tell me that it was going to happen to me and I couldn’t see it. I see it now.
My husband and I were very wealthy as well. He thought making payments on literally everything was a great idea. Then he died. By the time the dust settled, I got to start over at 55 with 69k. (My husband was in an accident in 2001 and every day after that was a gift to him. He wanted to have his dream life before he died. Well he got it. It's very hard to argue with a dying man. 😠 Now, some other family is living in his dream home and I'm thoroughly enjoying being debt free in a one bedroom apartment.)
@@teresahunt5521 I would not call us wealthy but I am a saver and said “no” to things most people wouldn’t give a second thought. Yes, the peace of mind is priceless.
Congratulations!
What I'm getting from this is that the dude is a child and the girl is a pushover.
Power couple
100%
“I feel like there’s a loophole here that I’m missing” that shit had me dying 😂
"Loser Husband Blows All His Wife’s Money" oh boy this will be good
And usually the titles are SLIGHTLY exaggerated but this one is 100% correct
$3500 on a car that doesn’t even work while you are in debt is probably the dumbest thing ever
Several previous guests have had as many as 2 non working cars
Why can't people be realistic with their expectations
It is a nice car though.
But I want it though
Dude just showed up for exposure and goof around I guess. One of the most unlikeable guest. I'm sorry for her btw, she married quite poorly.
Having a spouse treat your income like a child treats their parents money, is the most mentally torturing thing to live through. It sucks to have all your hard work and overtime do nothing but pay towards credit cards. 😕
The second I saw this guy I knew I had to wait and watch this episode after work; this one needs my full attention.
“Classic cars go up every year.” Says no one who knows anything about classic cars. It’s a volatile market and you have to know what you are doing, which he does not.
She looks like she’s 45 years old and I blame that on being married to this dude
He's exhausting me just listening to him for 15 minutes.
Dude listens to Rogan (I do too) and hears all the comedians talk about struggling until they make it and I would bet everything I own he has said that to her multiple times
He's stressing her out!
He's def aged her!!!
She does not look 40. Be for real. She looks like a bare faced woman in her 20s. Social media has just wrecked your brain.
Love that Caleb is funnier than the comedian in this episode
True that
This guy peaked in middle school
“We do okay” (in comedy)”
*brings in $5000 a year*
That is actually not bad if he was putting in real hours at a day job and is making upward progress year after year. 99% of people that attempt any sort of performance art don’t make money at all.
$5,000 in a year probably puts him in the top 10% of people who are trying to be comics. Maybe higher.
Hmm within the comedy space sure that’s fair enough lol
My 9 year old son makes more than that mowing lawns and pulling weeds.
You often have to put several years of work honing your skills and building a network with any sort of creative pursuit before you see any monetary return. Caleb probably made $0 his first year doing youtube. The fact that he made even $5000 in a year and is looking to make more this year means he absolutely should stick with it. He needs to grow up though and work a full time day job and pursue comedy afterwords in the evenings and on weekends until it becomes financially viable to not have a day job anymore.
As a married person, I cannot stress how much it pains me when a couple admits only one of them handles the finances 😳🤯
@@carlariggs525bull shit 💩. In every relationship where they don’t have common goals or a common plan they are working towards. Sure if your completely trash with finances this is about average
@@carlariggs525If you find a good partner, this isnt the case. Both my husband and I are painfully cheap. Been married 30 years, no debt. It can happen if you want it to.
I don't see it that way. The problem is that the one who handles the finances is usually abusive about it and the other one just let's them do it.
To add to my comment… what I’m getting at is when only one person handles the finances, things get messy. When a couple is on the same page, knowing what bills need to be paid & how much money is going in/out/towards debts, life is so much smoother. From experience.
@h-mz7ykare you married?
SELL THE MOTORCYCLE oh my goodness. "bUt I RiDe It!!" NO JUST SELL IT! He's got enough toys with wheels already!
The number of people who spend money because "you get cashback" and then let the way higher interest on their balance eat them alive is actually mindblowing
As an aspiring opera singer who was brainwashed into thinking that doing or even being interested in something besides opera singing meant that you weren't serious, I can absolutely say that you NEED a plan B. I don't know the statistics on comedians, but in my industry 3% of singers make their living from singing ALONE. God forbid something like Covid comes along and wipes out quite literally all of your work...
have a plan B people
EDIT: I should have said aspiring full-time opera singer 😅 I graduated 3 years ago from my masters and work professionally as a singer, but definitely not full-time!
That's a crazy cool goal, I hope you make it!
Playing in bands I had the same attitude when I was younger. Seeing how few people even pretty high up the chain were actually making their full living from music made me change my career goal from “touring in a band” to “working a decent paying job that allows me to tour in a band”.
@@AlexhPDX THIS. The times I've heard about people singing at theaters I can only dream about and STILL having a side hustle to make ends meet is crazy
This is true of many industries outside the arts too! It amazes me how many scientists I know that don’t have backup plans or keep their CV up to date.
Excellent. Great feedback. ❤
Very valuable take, I hope people will take heed without feeling they can't have dreams and hobbies.
Wait… they paid off $1,000 on his discover it but only $10 extra on hers? Buuuuttt it’s all her money. He also put the gas on her credit card after telling her not to use her own bank account. (So he can use the bank account to cover his credit card.) uh-oh.
Yeeep, and Caleb completely missed it.
He thinks he’s winning when he pays off $25 in gas to avoid the interest but has an almost $6k balance accruing $67 a month in interest. Make it make sense.
The fact that it took him so long to understand what Caleb was saying is alarming. I’m still not convinced he understands that his method isn’t logical.
The dude also thinks he's "working" while his 2 "jobs" don't even bring in 15k a year
That was Her card.
Logically speaking, it's better to use a cash back card than your bank card.
Let's say he has $25 in his bank account and $1000 existing balance on his credit card. His two options at the station pump are to use his credit card and his bank card. If he uses his bank card, the bank account balance goes to $0 and the cc existing balance accrues on $1000 at the end of the cycle. If he uses his credit card, he still has $25 in his bank account and his cc existing balance goes to $1025. He then uses the $25 in his bank account to pay down the $1025 by the end of the cycle. Net net in those 2 accounts, he ends up with $0 bank account balance and $1000 existing balance. HOWEVER, he has made 5% cash back on his $25 purchase and accrued interest (albeit very small) on his $25 bank account balance.
That only makes sense if a person isnt stupid, has self control, and makes money to pay their bills with. This dude is none of these. Cash back or not doesnt matter at all here when his interest rates and balanxes are so high--especially when he's smoked himself stupid and his money is the funniest joke he's ever told. @@healyshen890
Found his Facebook and he just bought the car he talked about buying 😂😂😂
That’s some good investigative work!
I just tried to look it up & got nowhere 😂
@@GreatMindsSeekTruth I just looked up “Alex Comedian Killeen TX” 🤷🏼♀️
Nooooooo!!!!!
What a shock. He's a moron, he acts like flipping cars is a get rich quick scheme. What was this $7500 car that will be worth 15k in 5 years
Yeah but does the car look pretty sick or what?
Thanks!
Insane how many women marry legitimate children 😂😂😂
Some women love to child their partner
nah i am single and want someone a bit older than me.
@@LyciaJ I’m not talking about actual age, I’m referring to mental age. A dude could be older than you and still have the brain of a child so choose wisely 😂😂😂
Dude, don't offend the children. My 12 years old son has more sense of financial responsibility than this looser😂
Says something about those women right
Biggest misconception about credit card interest: If you are carrying a balance, you DO NOT get the 30 day grace period on interest. Every additional purchase you make on the card that already has a balance you’ve carried past the grace period accrues interest from day one of purchase until you pay off the balance in full. Please explain this to your guests because many people do not understand this. That is why he wasn’t getting how it wasn’t beneficial to him to not spend and get the “rewards”
Thank you! Commenting to boost this so more people can see it. Explaining interest math is a little confusing. Explaining that you are charged interest immediately on a purchase and it eats away any "cashback savings" before you get to the monthly due date makes more sense to me.
Really? I thought you still got until your bill to have the interest added for new purchases - good to know
@@Sar-ahGThat’s only if you’re not carrying a balance.
Isn't that how your supposed to raise your credit score though? I was taught by my parents to never get credit, that you end up losing money, so I never did. I don't have any debt but I have a low credit score despite a good income. Someone told me in order to raise my credit score, I have to take out credit and pay it slowly and not all at once. It's all so confusing and sounds like a scam to me but I'm dumb so what do I know? 😞
@@rebeccaspratling2865 I’ve paid off my balance every month since I was sixteen and I never had problems getting approved for my car (paid off years ago) or my mortgage (on track to pay off very early). In all those years I’ve paid $0 in interest fees - that money went towards building up good down payments and investments instead.
The movies told women to "Get a guy that makes you laugh..." and now here we are. 😭🤦🏽♀️
She is will look back one day and find it so hard to forgive herself for staying so long with this boy.
He’s not funny !