I allowed my team to ask ONE question to the person I've been on quite a few dates with. Todays post show is INSANE: ruclips.net/channel/UCLe_q9axMaeTbjN0hy1Z9xAjoin
So personally I have never owned a credit card, never needed one, but should I actually get one to start my credit. I'm decent at budgeting and absolutely hate owing money on anything so I always pay anything quickly. But everyone I talk to says to get one. I know that it goes against what is said often on this channel from what I have seen. Looking for advice on if there is any reason to get one and make small purchases on it or should I just stay where I am and keep savings for things?
@@RealCryo Nothing wrong with having or getting a credit card. You sound like you would be the type that pay off your balance in full every month. You aren't charged interest if you pay the full statement balance before the due dates. By doing that you can benefit from the rewards and cash back // points offered by said company. Building a credit history will help you whenever you need a loan for a mortgage or car. Those are huge purchases you may not have the cash for outright so a credit history is important. Just remember, pay your FULL statement balance and you'll be good!
@@RealCryo Caleb isnt against credit cards, hes against not paying them off every month. If you know you will pay it off it can be a nice fund for random fun purchases up to and including rhe occasional vacation. If you miss even one payment or leave a balance even one time it CAN cost more that its worth. It is entirely dependent on you personal ability to look at credit as debt and not "extra money"
Thanks to Caleb and how he ridicule these irresponsible people, I have stopped eating out, went down from $1000 in food to $200, no credit card debt, 3 months saving and paying off my car this year ❤
Did she really say that her and her motorcycle friends go to breweries and drink but it doesn't affect her because she's not driving? If you're riding a motorcycle with a driver thats been drinking, it definitely affects you.
She's riding on a drunk driven motorcycle. That's worse. Putting your own life on to another drunk person and say it doesn't matter cause I am not driving
I thought the exact same thing. Then, she tried to cover and say that they all go there and drink ONE drink and then just sit there and hang out. Sure, Jan! One drink, my ass!
I couldn't imagine having someone her size on the back of my bike in the first place and it not affecting my ability to ride let alone if I add alcohol to the mix.
I'm struck by the sadness in this person's eyes. It strikes me that her spending is connected to the desire to comfort herself from some sort of essential sadness.
As much as I’d love to be on financial audit to speak about debt and personal management , the risk of a jacked up thumbnail of myself poses more of an embarrassment than any of my finances
Apparently the guests approve it… but they are paid so maybe they don’t mind as much with money in their face. But you would still be “Irresponsible Person has NUCLEAR Finances and hits on me” with a Taliban plane flying behind you
I highly doubt she is making a detailed dollar-in-dollar-out budget every month and then just ignoring it. She likely doesn’t write it down and certainly doesn’t follow it.
I budget this way. My monthlies are constantly changing, setting any limits doesn't make any sense. My goal is always just to spend as little as possible, So setting arbitrary limits doesn't really work
@@frankvonfrauner right, I'm not one to get very detailed. I just calculate my needs every month then decide how to invest, save, and spend with the rest.
I can't believe she's only 23. If she keeps up her eating habits and tells everyone that there's nothing wrong with those habits, she's going to have massive medical issues by the time she's 30.
@@1983BoyBenny going bald that early as a women can also be a sign of PCOS. high amounts of women with PCOS are also insulin resistant. it's kind of a chicken/egg situation whether the bad diet causes PCOS or if it makes it easier to be less healthy WITH a bad diet than people without it. but it absolutely does make it worse. i hope she has an obgyn who cares about her.
Food addiction, shop a holic, spendthrift. Her issues run deeper than just mishandling money. She's attempting to fill a void with food and stuff/things. My bet is Shes used to being depressed , its normal to her so she doesnt realize that she is actually depressed and unhappy. Bless her, I hope she realizes her issues are issues and seeks healthy assistance in resolving them. Then everything else will become easier or more simplified at least. Shes so young to be self destructing.
You can have a sweet treat. Just put it in your food budget (calories and money) and make it yourself. Don’t have to be all or nothing. And don’t make it your whole diet.
She owes $15k on credit cards. An addiction to spending that much money on wants over needs is akin to how a drug dealer is looking for their next fix over getting clean
I think at that point she was kind of tired of being yelled at and was being difficult on purpose because I refuse to believe someone could be that daft
@@truthhurts3371 invest in learning how to cook. Shit I started making home made bagels twice a month and theyre better than any I have bought. Then you can splurge on quality ingredients if you really feel the need to eat something delicious as a reward.
Glad to see the "what do you want credit for?" question being talked through thoroughly and explained as dumbed down as possible. Saw a comment about it on a recent video and I agreed. The guests didn't seem to fully understand the question the way it was phase previously :D Great Video
I can not take credit (pun intended) for it, but I did ask a few videos ago that exact thing. Personally from not knowing this concept from my side of the world. But it sounded like the guests did not understand the question, and then screaming will not help
The way he explained it this time was so much better than any recent episode. The “not taking advantage of it, it’s taking advantage of you” sound bite is fine AFTER he actually explains it to the guest and viewers.
Yeah! That was the part where it was obvious this whole discussion made no impact on her. She's going to get her frogs, eat her sweet treats and go to conventions instead of making any positive change.
Honestly, when it comes to fitness and budgeting it isn't all that different. Both are about consistency. I think with with fitness you can work on small goals first at least when it comes to trying to lose weight and build up over time. The finances can be easier or trickier depending on income and mandatory expenses.
I lost weight on my frugality diet. Sucked though. Only possible because I had no access to any help or any credit or i would have caved. Afterwards I kept it up for a few years. But eventually the treats creeped back
People need to understand that there are lots of contributing factors to what makes a person self-soothe with food. There are medical, emotional, and nurtured-in habits that make it hard to not eat. Budgeting your money and your calories is a heavy load if you're not ready. Gotta have a "why" to have discipline. If you're a naturally thin, active person, that's great. That just means you have other battles. Give people some grace for trying to figure out their stuff.
As much as health insurance costs, it's a financial investment to try and eat smart and get a lunch walk in, especially with a desk job. Helps the financial, physical, and mental health.
The people that say at least I’ll die happy really have never been not fat. I’ve lost the weight and become way more healthy and I just feel better I could never go back to being obese
Same, especially after ending up in the hospital the day after my birthday 2yrs ago. Don't know exactly what happened. All I know, is I went to sleep, and I woke up 3-4 days later in the hospital. Ended up being extremely high blood sugar. "I'm happy" after eating whatever/whenever, turned into the complete opposite REAL quick. It makes you feel like you ultimately let everyone around you down, embarrassed because you're in a hospital bed and can't even get up to go to the restroom, having someone else wipe you, etc. I have a "cheat" meal once a week, but it's almost instant regret. I really never want to get fat/unhealthy like that again
@@JasonGroom I think there's a disconnect that "credit" is the core of it all. We "use" credit, we accumulate access to it via the score, our debt is "credit", etc. I know I never thought of the overlap in the terms because I see "credit" as a positive and debt (as in "I owe x") as a negative so I didn't think of the fact both the room and the usage of the room and the ability to get the room all boils down to credit.
Maybe the way to ask it better is something like this: “Your debt has already destroyed your credit score. You basically have no credit anyway. How is that supposed to help you any time soon?”
I thought he phrased it pretty well. He gave examples of what credit people can take advantage of. When he gave options she could use credit for she realized oh none, I don't have any plans for those at the moment.
She should look into Risk Management. It's kind of a catch all Safety career: - emergency planning; - safe workplace practices; - HR policies; - managing insurance programs; Plus a lot more duties depending on the risk managers position and industry. And it pays well!
Yes she clearly hasn’t actually looked into the field. I’m a safety consultant with an education and make a great salary but don’t just watch cameras like she kept talking about 🤦🏼♀️
I really like your new thumbnails. The reactions still illicit curiosity and interest, but they're not as goofy and a bit offputting as the past thumbnails. This one is sleek but evocative; I love it! The lighting here is better than the one where the lighting is directly on top of your head cause it made it look more sinister
@@FRESCO_KUN 2 packs of apple cinnamon quacker oatmeal , one sandwich for lunch and one for dinner on off days , on my lifting days I do 3 eggs , the oat meal, a protien shake 2 sandwiches for lunch and I usually skip dinner because it gets late and I do a hard 9:30 sleep time
So as a truck driver myself, her describing a job in the safety department is why I dislike the safety department. Making up work to justify their employment and then just watching drivers actually working in order to harass them
I've seen a company lose a 3 million dollar contract because they ignored a ton of regulations and received a stop work order before they could meet their product delivery deadline. It sucks if your company has a EHS person riding you but wont give you the time to work compliantly and won't spend on maintenence, but severe safety violations can result in fines or stop work orders that financially impact everyone at the company.
I specifically came to the comment section to say that I am appalled that she (with no business or practical sense) is in safety. I haaaaate safety people like this.
I wonder if people understand what a credit card really is. Like, it isn’t YOUR money, you are borrowing money from a company that charges you extra money if you don’t pay it back right away.
I got myself out of that habit in a counterintuitive way. I used to be a “treat yo self” gal after a rough day at work, like a candy bar or Starbies. Then I noticed how it was adding up in $ and calories. So I changed to buying a $1 lotto on those days. Or as I think of it, a ticket to the daydream of what I would do with the money if I won. Except walking to the store to get the lotto was further than getting Starbies or candy from the vending machine so I maybe spend $3 or less a month on the lottery, which is less than 1 Starbies drink.
I have to say I am a fan of the new thumbnails. I understand the brain-rot crazy colors and imagery are supposed to catch attention. But these are much classier and the quality reflects the production value of the actual show. Also I can relate to and was very inspired by what you said about your struggles with eating habits, Caleb. I went from having an active job to working from home and have gained 20-30 pounds the past 2 years. With the weight of my unhealthy lifestyle making life more and more of a struggle (pun intended, physically and mentally), I am being forced to face my lack of discipline and poor relationship with food. It's that or become a black hole, as you joked. It's so much easier said than done, but you're not alone in this struggle. You can do it 💪💪💪
Just a heads up, speaking from my small pool of experience, the OSHA 10 certification is pretty much the bare minimum standard OSHA certification, everyone in the construction field has it (I’m an architect and I have it) and it doesn’t really set you apart from everyone else, OSHA 30 would really be something that would set an individual apart from others
Consumerism at it's finest. I recently almost bought some sunnies with a 40% off coupon, and had to stop myself cause I dont need them. And in our fast paced world, the spark of that "ooo I want a drink" usually isn't snuffed out. I even have trouble cause I wanna snag a flavored tea but remember my water is fine enough
I think she was talking about getting rid of the subscription car wash. Which also, wtf. Wash your car when it’s dirty. Doing normal (non-wet Texas) driving, like, 1x a month?? If she was driving Uber for her work or something then at least it would make sense, otherwise it’s just wasting water.
So happy to see the if you make the minimum payment this is how hard you’re gonna get screwed section. An extra $70 saves all them years and interest. When you make a payment, pay the interest and the payment.
Thank you for bringing the debt counter back!!!!! And the sound effect!!!! I typically have these playing while I work and the sound effect is my cue to check what the total debt is.
I'm not sure that cutting up her credit cards will help her. She has to change her behavior;. She's still go to a brewery with her friends. Then what? Bum a drink off her friends? Borrow money from them? Maybe she needs to carry a SMALL allotted amount of cash to limit impulse spending.
Hey Caleb, Your channel was a wake up call and helped me figure out where to cut costs and everything and I cut my debt from 14k and down to 4k over the last year. Thank you!
They weren't complaining about the sponsors, but about the volume. I've noticed that too, and it's really jarring when the volume cranks up like that, especially if I'm not looking at the screen. I'm fine with sponsors, get that bag, just keep it the same volume! The post show is loud too.
Great episode! My spending was so similar to hers just a few months ago, excluding the credit card debt. Finally realised that the "sweet treats" I kept getting (plants, thrift store finds, driving to work instead of public transport etc) was TERRIBLE for my future finances, as I wasn't saving or investing any of it. Trying to break the habit of "just a little treat" is so incredibly hard, but I've started listing ALL of my expenses and going through them weekly, just to make my own accountability more visible to myself. This show has definitely been a great help. Thank you!
"Are you done with the instant gratification, because you are willing to make tomorrow better than it is today?" -Caleb Hammer I like that you said that. I like collecting motivational quotes. I had to stop what I was doing to write it down. ☺️
I'm always so impressed by your empathy and kindness. I think it helps the WHAT ARE YOU DOING sink in a bit better. You're such a good dude, I appreciate you. And shoutout to our girl having the courage to get ripped apart for the entertainment of others. But also... I'm pretty decent with finances, but I learn so much and it prompts me to look more closely and think about how I spend and budget.
Why? Not everyone has dumb friends. I have 2 friends my age who can’t afford to move out/live alone. One friend made more than I did and lived at home and still couldn’t afford things. That didn’t rub off on me?
I currently have 10 years' experience and 2 degrees in safety (Environmental, Health, and Safety, and Industrial Hygiene) and I can say you don't necessarily need a degree to be in safety, but it's A LOT more than just "walk around doing eyewash inspections, telling people to be safe". It's extensive document management, trainings, people management, etc. I've also worked warehouses, and a lot require DOT trainings, HAZMAT (material dependent), forklift/pallet jack operations certs., and many more. You can make a decent living in EHS, just select the right field and be willing to 1) put in a ton of hours and work/additional education and 2) be the least liked person in the building outside of HR lol
I worked HAZMAT at a red and blue delivery company for a Christmas season and yeah, it's a ton of paperwork, documentation and interpersonal communication skills. You also need to learn every safety prodecure for the site (lock out, tag out, etc) and of course the need to have essential dreadof soneone getting pulled into a conveyor (maybe I just brought the last past 😂😂😂)
@@SpoonHurler For sure! I've worked everything from pharmaceutical to oil and gas to food manufacturing. Had someone tell me they could "do my job as long as they had Google". My response was "I can also be a mechanic as long as I have RUclips". Not so simple, bud
@@EFW93I'm only a year into EHS consulting and I just agree and ask them if they have the time to google the regs, write the plan and check for reg changes. They almost always concede and request a quote lol.
So much of my role with safety is PR - gaining credibility and report with people whose jobs are already hard enough. I am terrified that this chick who clearly has no mind for documentation details and practical risk analysis/judgement is in a position to give ESH an even worse rep.
Hats off to Caleb for powering through a rough hair day and still making it to work! It’s a great reminder to his guests and viewers that minor setbacks shouldn't hold us back
Your approach is so necessary. I’ve tried to help so many of my friends “the nice way”, and they just do not get it. I think your channel is awesome, and much needed. This should seriously be a class in school.
I do very similar work to her, I make 61k salary + productivity bonuses in my first year with no degree or experience. She can definitely make more than 70k as an EHS Manager. She should look into EHS consulting, you end up learning a lot of regs and looking at a lot of different facilities. Fun to have someone with a similar job to me on the show! A lot of consultants end up being government regulators and inspectors, you can get really good benefits. Something else to look into.
I'm in safety as well and make 95k/year. I have a bachelors degree in safety so that has helped, but there is definitely decent money. It's definitely not for the faint of heart though!
Caleb, speaking as a person who has struggled with weight all my life (I'm 63 now), I very much appreciate the sensitive way you approached that. It was especially effective in using your own story to relate. That was not fat shaming at all. Also, I am noticing her hair thinning in the front. She may be dealing with PCOS which makes it difficult to lose weight.
He didn’t shame her, she shouldn’t be doing it from a financial standpoint and it definitely serves to motivate her further from that bad spending considering it’s detrimental to her health. He doesn’t mention that for thin people because thin people aren’t suffering from weight problems. She mentions herself she has back pain and I’m sure her weight contributes to that in some capacity if not entirely.
@@melynn44brain-dead take. For starters he definitely gets pissed at skinny ppl for over spending on BS food. He was actually extra nice with this lady, and she's by far the biggest person he's had on the show.
These episodes get me thru my gym time. I'm working on being consistent, and I get so BORED doing my cardio. This keeps me on the treadmill while reminding me why I don't need that Beats by Dre headphone set I REALLY want. #ItsFinanceDaddyDay
Caleb, just wanted to say, since I started watching your show in Spring 2023 I became very aware of how dire, and risky my financial situation was. Since then, I’ve paid off all of my credit cards and just today I paid off the last $4,500 of a $12,000 personal loan from previous stupid credit card purchases. Thanks so much for the show, I still have work to do, but my behaviors are still improving and I’m beginning to build a more substantial emergency fund than the $1K I’ve saved for now.
Yikes. I feel kinda sorry for this girl. Her saying that she'll "die happy" because she ate tasty treats is the last thing she'll be thinking of on her deathbed. I work with all kinds of patients and ive worked with several who have actively passed as i was comforting them, holding their hand, trying to be an emotional support system to them and their families, and dying happy isnt what they're thinking. They're scared, unresponsive, incapacitated, in physical pain, anguish or cant breathe. Better to actually value your life while you still can, have "treats" everyone ONCE in a great while, and manage your life, finances, career, mental and physical health and wellbeing so you can live a peaceful life. This girl is still really young so theres hope for her, but as a former prediabetic and overweight person, too many treats can bite your ass in the end. Good luck to her.
It is by design. Fiat incentivizes to spend and not save. It's the reason for inflation, even though the fed couldn't tell you why it's necessary. Bitcoin fixes this.
great job addressing the instant gratification. debt, school/work/life balance and our relationship with food are all connected and every bank statement we’ve seen on this show proves that!
She says sweet treats make her happy, and at least she'll die happy, but when Caleb asks what her goals are in the next 5 years, she says she wants to be happy. Is she happy now? Or are the sweet treats a coping tactic? She seems like a sweet girl, and I really want her to succeed.
Hey Caleb, love your channel and what you do. Since finding the show a few months ago, I have made so much better progress than I was alone. I was up to 13k in CC debt with 12 cards between my wife and I. All 30%. Since opening them we have lost 13,000 in interest (your show taught me to go calculate this and track it!) and we now have paid off 3 of the card with the snowball method (no emergency fund right now but we are military so I feel like we are a bit safer there because AER exists and the debt is burying us.) and now we have only 9k in CC debt and still hacking at it. We applied to be on the show and I hear you yelling at me in my head all the time lol. I even went out and got a job at dominos just to make extra money on top of our income to keep attacking (our household income is now like 130k a year!) and we plan to be out of CC debt by end of year then save up 10k emergency fund, payoff RV (horrible decision years ago) and save up 40k for a house downpayment when my wife retires in 10 years. Thank you so much for this show. I'm not perfect according to your rules but I'm much better and slowly improving more by changing lifestyle bit by bit. We can do it. Anyone can do it. Thank you so much. Our 3 kids won't be responsible for us when we are old because of you, and they will be thankful for your show because of that as well.
I hope you guys get on the show! I’d love to see someone who started on things as an audience member and is on track to be debt free. That’s so inspiring!
As a truck driver the first few minutes were quite annoying. First of all… we’re only allowed to drive 11 hours a day and I do not need you watching the camera 24/7. Most cameras don’t even go off unless you hit your brakes hard 🫠
Good job at taking the comments advice on how to reframe the "what credit are you trying to take advantage of" question! Kudos to Noah for probably suggesting and Caleb for executing it in an educational and patient way.
Right? And I doubt she wears much in the way saftey gear. Wears a helmet but wears flip flops. I could be wrong, just what I observe most young people doing.
@@kents.2866my thoughts too! If I was the rider and she was my passenger I wouldn’t allow it. What if starts to fall asleep and takes me down with her..
I hate to say it but that confused me. Where she sitting on the bike? The weight limit for most bikes are 300-350 pounds. Add an intoxicated driver and you're cruising for a bruising.
My diabetic husband had that same attitude on sweet treats. I watched him struggle through 12 years of dialysis then suffer terrible pain as he lost circulation in is leg resulting in gangrene and the loss of that leg. After 2 months in the hospital he died in his sleep 4 days after getting home. You do not need that sweet treat and it will probably not result in you dying happy.
If you actually never wash your car you'll F up your clearcoat and paint, and in any area that salts their roads your car will rust out. This'll trash your resale value if you ever try to sell it. You don't even have to do it very often, just after the last snow and every couple of months.
It's driving on gravel that messes up your paint. That's why every truck and suv rust around the wheel wells and undercoat first. Being from Minnesota I've never had rust issues with city driving as long as you wash off the snow melt after winter.
Caleb, you need to get to the root of WHY these people feel it's important for them to spend. "Why do you want that car, is it to impress your friends? How has that worked? Would they stop liking you if you had a cheaper car? Maybe you should get better friends" If you just grill them for spending without figuring out the emotional reasons why they do it, they won't make any changes to thwir lifestyle
I'd say, if you know you like sweet treats, buy them ahead at the store- so you won't be tempted to buy a BUNCH of snacks at the (more expensive, smaller servings) gas station.
I allowed my team to ask ONE question to the person I've been on quite a few dates with. Todays post show is INSANE: ruclips.net/channel/UCLe_q9axMaeTbjN0hy1Z9xAjoin
😊😊
I really want to see some of these after shows but they are not in the budget
So personally I have never owned a credit card, never needed one, but should I actually get one to start my credit. I'm decent at budgeting and absolutely hate owing money on anything so I always pay anything quickly. But everyone I talk to says to get one. I know that it goes against what is said often on this channel from what I have seen. Looking for advice on if there is any reason to get one and make small purchases on it or should I just stay where I am and keep savings for things?
@@RealCryo Nothing wrong with having or getting a credit card. You sound like you would be the type that pay off your balance in full every month. You aren't charged interest if you pay the full statement balance before the due dates. By doing that you can benefit from the rewards and cash back // points offered by said company. Building a credit history will help you whenever you need a loan for a mortgage or car. Those are huge purchases you may not have the cash for outright so a credit history is important. Just remember, pay your FULL statement balance and you'll be good!
@@RealCryo Caleb isnt against credit cards, hes against not paying them off every month.
If you know you will pay it off it can be a nice fund for random fun purchases up to and including rhe occasional vacation.
If you miss even one payment or leave a balance even one time it CAN cost more that its worth.
It is entirely dependent on you personal ability to look at credit as debt and not "extra money"
Financial audit is my sweet treat
nom nom nom
Same
Same. Ever since I've joined, I've gained over 300lbs in financial audit weight.
@@inhoseo😂😂😂😂
Frrrr
Not that she'd ever agree, but I'm sure Amberlynn Reid would be a WILD Financial Audit
The collab we need!
@@michealab5299 how much spent on cheesecake factory...
I don't think the chairs in the studio could support that
$2k per month on clothes and jewelry, $5k on fast food
My two worlds colliding
Thanks to Caleb and how he ridicule these irresponsible people, I have stopped eating out, went down from $1000 in food to $200, no credit card debt, 3 months saving and paying off my car this year ❤
HECK YEAH!!! 🎉🎉🎉🎉🎉
Please let us know how you’re budgeting $200 a month for food 😅
@@starguzy4392 self checkout heheheh
@@starguzy4392 maybe groceries rather than eating out? When I was single, I ate on a $100/month grocery budget (adjusted for inflation) 🤷♀️
Yes and work on investing!! Make that money work for you 😊😊
Say what yall want but this girl was a dream guest compared to so many!! She didn't interup, she listened, amd she took ownership
Exactly. She seemed really open.
Did you watch till the end? 😂
She's a sweetheart tbh, she's so pleasant compared to other videos
This! I couldn't help but think she's adorable. I hope she learned something from this. I wish for her a future of financial success / stability.
Um... it's not the guests that usually interrupt! They usually can't get a word in 😂
Did she really say that her and her motorcycle friends go to breweries and drink but it doesn't affect her because she's not driving? If you're riding a motorcycle with a driver thats been drinking, it definitely affects you.
She's riding on a drunk driven motorcycle. That's worse. Putting your own life on to another drunk person and say it doesn't matter cause I am not driving
I thought the exact same thing. Then, she tried to cover and say that they all go there and drink ONE drink and then just sit there and hang out. Sure, Jan! One drink, my ass!
That's terrifying.
I couldn't imagine having someone her size on the back of my bike in the first place and it not affecting my ability to ride let alone if I add alcohol to the mix.
And she loves "safety" 😂
I've literally never paid rent so cheap and she acts like her cost of living is too expensive
Smh right even at 18 when I moved off to college, I was paying $670 for a single bedroom in a 4 bedroom apartment.
@@kianna270I think my first place was $525 with 2 other roommates. It wasn't well-maintained at all, but it got me through college
My first place was $1600 and i was thrilled when i found a place for $1200.
@@ReaverRoyalemy first place I had by myself was 425... Those were the days... In mid 2000s....
2011 my rent was 450. 2014 my mortgage was 278.19 (30 yr fixed)
I'm struck by the sadness in this person's eyes. It strikes me that her spending is connected to the desire to comfort herself from some sort of essential sadness.
This was my impression as well. 💔
She seems so sweet and so lost
Man that was sOoOo dEeP
You're only saying that because her problems are obvious. If she wasn't fat she'd be like anyone else with vices and "treats".
Yeah, these things get her by
As much as I’d love to be on financial audit to speak about debt and personal management , the risk of a jacked up thumbnail of myself poses more of an embarrassment than any of my finances
Right 😂😂😂 his team is pretty brutal
Bingo
It's the reason I won't ever apply to be on the show, as much as I'd like to.
Yeah, the thumbnails and titles are stupid
😂😂😂😂😂
Apparently the guests approve it… but they are paid so maybe they don’t mind as much with money in their face. But you would still be “Irresponsible Person has NUCLEAR Finances and hits on me” with a Taliban plane flying behind you
The urge to convert from taquitos to sweet treat is strong
Ah yes the two genders, taquitos and sweet treats
“Tasweetros” problem solved.
He really should adopt that term from her that would be funny
Sweetitos @@josephbrown9685
Judging by how fast he can say "nonononono" I'm sure he won't have trouble saying "taquitos n' sweet treats" on the regular lol
"What's the point of making a budget if we're not budget-TING?!" 😂
I died at this part too. This needs to be his new shirt lolol
I highly doubt she is making a detailed dollar-in-dollar-out budget every month and then just ignoring it. She likely doesn’t write it down and certainly doesn’t follow it.
Haven't reached this part of the video yet and I can already hear this in Caleb's voice
I budget this way. My monthlies are constantly changing, setting any limits doesn't make any sense. My goal is always just to spend as little as possible, So setting arbitrary limits doesn't really work
@@frankvonfrauner right, I'm not one to get very detailed. I just calculate my needs every month then decide how to invest, save, and spend with the rest.
I can't believe she's only 23. If she keeps up her eating habits and tells everyone that there's nothing wrong with those habits, she's going to have massive medical issues by the time she's 30.
Yeah, she looks like she is going bald. She seems nice and just wanting to have fun whilst young, can’t blame her.
Hi... it's me, at 45, from the future. SHE IS PLAYING A DANGEROUS GAME WITH THE SWEET TREATS!
@@1983BoyBenny going bald that early as a women can also be a sign of PCOS. high amounts of women with PCOS are also insulin resistant. it's kind of a chicken/egg situation whether the bad diet causes PCOS or if it makes it easier to be less healthy WITH a bad diet than people without it. but it absolutely does make it worse. i hope she has an obgyn who cares about her.
@@ohdearolive Hair loss is also associated with hypothyroidism. Insulin resistance + hypothyroidism is a recipe for obesity.
@@1983BoyBenny100% can blame her.
Food addiction, shop a holic, spendthrift.
Her issues run deeper than just mishandling money. She's attempting to fill a void with food and stuff/things. My bet is Shes used to being depressed , its normal to her so she doesnt realize that she is actually depressed and unhappy. Bless her, I hope she realizes her issues are issues and seeks healthy assistance in resolving them. Then everything else will become easier or more simplified at least. Shes so young to be self destructing.
There is something else there for sure, depression being probable. Perhaps that is why she really went on the show.
Most people in this show are depressed
PSA to everyone. You don't need that sweet treat. You're not hungry, you're just bored.
You can have a sweet treat. Just put it in your food budget (calories and money) and make it yourself. Don’t have to be all or nothing. And don’t make it your whole diet.
**backs slowly out of the kitchen**
How about a savory treat?
...i feel personally attacked 😂
Or thirsty! Drink some water! Stay hydrated y’all!
"...so you don't want me to go to this convention?"
One hour in - she has not understood anything. Not a single thing.
She owes $15k on credit cards. An addiction to spending that much money on wants over needs is akin to how a drug dealer is looking for their next fix over getting clean
Dealers normally dont do drugs the addicts do@@FlyingJ420
yeah that was crazy
I think at that point she was kind of tired of being yelled at and was being difficult on purpose because I refuse to believe someone could be that daft
Eating junk food ruins you two times : first when you eat, second when you end up in an hospital bed 20 or 30 years later.
And apparently the third is financially
@@Poopiepies especially true now that fast food and eating out is so expensive.
Once in a while isn't bad. You cannot deprive yourself of something that tastes good.
Brooooo thank you
@@truthhurts3371 invest in learning how to cook. Shit I started making home made bagels twice a month and theyre better than any I have bought. Then you can splurge on quality ingredients if you really feel the need to eat something delicious as a reward.
Glad to see the "what do you want credit for?" question being talked through thoroughly and explained as dumbed down as possible. Saw a comment about it on a recent video and I agreed. The guests didn't seem to fully understand the question the way it was phase previously :D Great Video
Me too, I appreciated that and thought it improved the conversation a lot.
I can not take credit (pun intended) for it, but I did ask a few videos ago that exact thing. Personally from not knowing this concept from my side of the world. But it sounded like the guests did not understand the question, and then screaming will not help
The way he explained it this time was so much better than any recent episode. The “not taking advantage of it, it’s taking advantage of you” sound bite is fine AFTER he actually explains it to the guest and viewers.
My only thought is renting a new place. If you’re moving into a new apartment they’re going to check your credit score
Did people not watch to the end? The dark twitter/frog obsession/convention ending threw me for a huge loop and no one is talking about it! 😅
Yeah! That was the part where it was obvious this whole discussion made no impact on her. She's going to get her frogs, eat her sweet treats and go to conventions instead of making any positive change.
@@gotenkes100% absolutely.
Seriously. I went through the comments looking for someone to mention this lol
What part of "you don't make enough money to cover bills and minimum repayments" does she not understand?
Lmao thank you so much for making me watch to the end that was an interesting twist 😂
Approaching the bad diet as a contributing factor to "financial health" is a great way to approach spending on junk food.
Literally whats helped me stay skinny lmao
Honestly, when it comes to fitness and budgeting it isn't all that different. Both are about consistency. I think with with fitness you can work on small goals first at least when it comes to trying to lose weight and build up over time.
The finances can be easier or trickier depending on income and mandatory expenses.
I lost weight on my frugality diet. Sucked though. Only possible because I had no access to any help or any credit or i would have caved. Afterwards I kept it up for a few years. But eventually the treats creeped back
People need to understand that there are lots of contributing factors to what makes a person self-soothe with food. There are medical, emotional, and nurtured-in habits that make it hard to not eat. Budgeting your money and your calories is a heavy load if you're not ready. Gotta have a "why" to have discipline. If you're a naturally thin, active person, that's great. That just means you have other battles. Give people some grace for trying to figure out their stuff.
As much as health insurance costs, it's a financial investment to try and eat smart and get a lunch walk in, especially with a desk job. Helps the financial, physical, and mental health.
Whoever did the change/money sound to notify us of the debt counter going up. THANK YOU!
The people that say at least I’ll die happy really have never been not fat. I’ve lost the weight and become way more healthy and I just feel better I could never go back to being obese
Same, especially after ending up in the hospital the day after my birthday 2yrs ago. Don't know exactly what happened. All I know, is I went to sleep, and I woke up 3-4 days later in the hospital. Ended up being extremely high blood sugar. "I'm happy" after eating whatever/whenever, turned into the complete opposite REAL quick. It makes you feel like you ultimately let everyone around you down, embarrassed because you're in a hospital bed and can't even get up to go to the restroom, having someone else wipe you, etc. I have a "cheat" meal once a week, but it's almost instant regret. I really never want to get fat/unhealthy like that again
Same. Have lost 80 pounds so far and life is just easier and happier now.
They're coping. They are lying to themselves to try and justify why they have no will.
I’ve lost weight and there’s no difference 😂. I’m still depressed
@@toddtherodgod1867what are you talking about? It’s not hard to lose weight. It doesn’t take that much will tbh.
Debt counter and he changed the way he asks the credit question (even though she didn’t get it). Love it!
Still needs to be phrased a little bit better.
@@JasonGroom I think there's a disconnect that "credit" is the core of it all. We "use" credit, we accumulate access to it via the score, our debt is "credit", etc.
I know I never thought of the overlap in the terms because I see "credit" as a positive and debt (as in "I owe x") as a negative so I didn't think of the fact both the room and the usage of the room and the ability to get the room all boils down to credit.
Maybe the way to ask it better is something like this: “Your debt has already destroyed your credit score. You basically have no credit anyway. How is that supposed to help you any time soon?”
I thought he phrased it pretty well. He gave examples of what credit people can take advantage of. When he gave options she could use credit for she realized oh none, I don't have any plans for those at the moment.
She should look into Risk Management. It's kind of a catch all Safety career:
- emergency planning;
- safe workplace practices;
- HR policies;
- managing insurance programs;
Plus a lot more duties depending on the risk managers position and industry. And it pays well!
hSE specialists and safety engineers is a thriving profession!
Yes she clearly hasn’t actually looked into the field. I’m a safety consultant with an education and make a great salary but don’t just watch cameras like she kept talking about 🤦🏼♀️
I am a health and safety engineer (in Germany, don't work in the field, but many of the guys from uni do).. she's so uninformed, it's kinda sad
Im convinced they're casting people who look like different Multi-Verse versions of Caleb 😆😆
Lmaoo
😂😂😂
😅😅😅😅😅😅😅
🤣🤣🤣🤣🤣💀
ROFLLLLL 😂😂😂😭😭😭
I loved when Caleb created a new word. "satisfication". satisfaction and gratification together is literally what the world is like now lol
A parent of a psychology patient labeled her daughter “narcastic’. A common trait: narcissism and sarcasm. I love it.
I really like your new thumbnails. The reactions still illicit curiosity and interest, but they're not as goofy and a bit offputting as the past thumbnails. This one is sleek but evocative; I love it! The lighting here is better than the one where the lighting is directly on top of your head cause it made it look more sinister
Been on the oatmeal and sandwich diet for the past month and a half and not only have I saved money but I’ve lost 10 lbs . The Hammer man Savin lives
Like only a bowl of oatmeal and 1 sandwich? Do you also work out?
@@FRESCO_KUN 2 packs of apple cinnamon quacker oatmeal , one sandwich for lunch and one for dinner on off days , on my lifting days I do 3 eggs , the oat meal, a protien shake 2 sandwiches for lunch and I usually skip dinner because it gets late and I do a hard 9:30 sleep time
That’s awesome!
My man, kudos to the grind 🎉 you got this!
“I’m thick. I have density” is the most adorable thing he’s ever said lol
lmao wtf adorable? is this man a small puppy to u or something 😭
@iamchelseafromthegram5746 she said what she said.
@@iamchelseafromthegram5746yes
Oink oink 🐷
So as a truck driver myself, her describing a job in the safety department is why I dislike the safety department. Making up work to justify their employment and then just watching drivers actually working in order to harass them
Finding safety issues for them to work on so they leave you alone or don't have time to stare at cameras can be beneficial.
I've seen a company lose a 3 million dollar contract because they ignored a ton of regulations and received a stop work order before they could meet their product delivery deadline. It sucks if your company has a EHS person riding you but wont give you the time to work compliantly and won't spend on maintenence, but severe safety violations can result in fines or stop work orders that financially impact everyone at the company.
I specifically came to the comment section to say that I am appalled that she (with no business or practical sense) is in safety. I haaaaate safety people like this.
It’s dystopian.
@@laurabolt5412Typical socialist union shenanigans. Now the question is, how do I snag me of these higher up jobs lol
2023: TAQUITOS!
2024: Sweet Treats 😂
People mistake budgeting with tracking their money. If you don’t restrict your actions to make sure you follow your budget, then it is not budgeting.
I wonder if people understand what a credit card really is. Like, it isn’t YOUR money, you are borrowing money from a company that charges you extra money if you don’t pay it back right away.
Its a pretty basic concept and yet people are still stupid about it
They could change the name to "Loan Shark Card" and people might understand. MIGHT.
@@fredfinger7092they'd just say, "but at least it's better than a mob boss loan shark who will break my legs"
Right? Like these people see "$3000 Limit" and think they just gained three grand. It's fascinating and scary to witness.
The most American thing I’ve heard is “I deserve a sweet treat after a day of work”
After sitting all day and getting fat as hell. How do you get so fat at 23 years old? Sitting all day and eating garbage.
😂
I got myself out of that habit in a counterintuitive way. I used to be a “treat yo self” gal after a rough day at work, like a candy bar or Starbies. Then I noticed how it was adding up in $ and calories. So I changed to buying a $1 lotto on those days. Or as I think of it, a ticket to the daydream of what I would do with the money if I won. Except walking to the store to get the lotto was further than getting Starbies or candy from the vending machine so I maybe spend $3 or less a month on the lottery, which is less than 1 Starbies drink.
That’s what costco is for! 😅
Nah it’s more like “ I’m going to put myself in credit card debt for multiple sweet treats throughout the day”
She is 23 and already accepting that she is fine with dying broke and fat, with no effort to change her life
Sounds like a pretty short and boring life, if you ask me.
Yea her body is ruined already. Even if she loses weight, she will have sagging skin and it will cost thousands to fix.
She can change, this could very well be temporary cope
She's doom spending. Gen Z doesn't see a financial future for themselves so they're just spending to enjoy now.
@@exqueue3813 gtfo this is just a bs excuse for being irresponsible 😂
I have to say I am a fan of the new thumbnails. I understand the brain-rot crazy colors and imagery are supposed to catch attention. But these are much classier and the quality reflects the production value of the actual show.
Also I can relate to and was very inspired by what you said about your struggles with eating habits, Caleb. I went from having an active job to working from home and have gained 20-30 pounds the past 2 years. With the weight of my unhealthy lifestyle making life more and more of a struggle (pun intended, physically and mentally), I am being forced to face my lack of discipline and poor relationship with food. It's that or become a black hole, as you joked. It's so much easier said than done, but you're not alone in this struggle. You can do it 💪💪💪
he even REPHRASED the question and they still have no idea what he’s asking! 🤣 iykyk
I understand how it could be confusing if you don’t understand credit.
@@Username0467 that's fair. i only challenge the worrying about credit score/longevity w/o any further research/goals to attach it to.
Well, I finally understood it. Thank you Caleb.
They? She is one person
@@gaweindegraaf Preferred pronouns
Caleb, I admire you caring about people's health. Financial, physical, mental.
Just a heads up, speaking from my small pool of experience, the OSHA 10 certification is pretty much the bare minimum standard OSHA certification, everyone in the construction field has it (I’m an architect and I have it) and it doesn’t really set you apart from everyone else, OSHA 30 would really be something that would set an individual apart from others
I got OSHA 10 when I did electronics in highschool lol
yeah not sure where the "treat" culture came from. Everyone justifies stupid spending as "oooh its just a treat, i need treats to keep me happy".
Pavlov is laughing at us somewhere.
Infantilizing of society. It’s like how you’d give children a “special treat” for doing something good
Pushed by Big Snack
internet culture
Consumerism at it's finest. I recently almost bought some sunnies with a 40% off coupon, and had to stop myself cause I dont need them. And in our fast paced world, the spark of that "ooo I want a drink" usually isn't snuffed out. I even have trouble cause I wanna snag a flavored tea but remember my water is fine enough
It bothers me when adults act like children to difuse tension. It is not cute nor quirky. It is just sad
I am loving the return of the original audit style
Holy god the quickness that she flopped from “I have to wash my Kia” to “I’m gonna get rid of it” BLOWS my mind
I think she was talking about getting rid of the subscription car wash. Which also, wtf.
Wash your car when it’s dirty. Doing normal (non-wet Texas) driving, like, 1x a month?? If she was driving Uber for her work or something then at least it would make sense, otherwise it’s just wasting water.
It sounds like she lives in a house too…couldn’t she just manually wash her car in her driveway?
So happy to see the if you make the minimum payment this is how hard you’re gonna get screwed section. An extra $70 saves all them years and interest.
When you make a payment, pay the interest and the payment.
Thank you for bringing the debt counter back!!!!! And the sound effect!!!! I typically have these playing while I work and the sound effect is my cue to check what the total debt is.
Right off the bat she has a straight forward answer about what she does and knows how much she makes. I have high hopes 🤞
I'm not sure that cutting up her credit cards will help her. She has to change her behavior;. She's still go to a brewery with her friends. Then what? Bum a drink off her friends? Borrow money from them? Maybe she needs to carry a SMALL allotted amount of cash to limit impulse spending.
@@lynnw7155 Last I checked you don’t HAVE to order anything when you’re joining people at a brewery.
@@dnmitch True, but, does she strike you as a person with good impulse control?
@@fredfinger7092 Her fault for not being able to stand peer pressure or FOMO.
How did you feel at the end of the episode? :P
Hey Caleb,
Your channel was a wake up call and helped me figure out where to cut costs and everything and I cut my debt from 14k and down to 4k over the last year.
Thank you!
Sweets Freak: try looking at government jobs or private sector engineering/construction firms. They always have a safety/health compliance section.
I wonder if her love of safety stems from a sense of recklessness in other aspects of her life
Insurance pools. I’m a loss control consultant for a risk pool and talk about safety all day long
I'm guessing there would be some kind of education required.
@@michaelmurphy6687 or experience, but yeah most likely.
You always find that the least safe, least sane, least reliable people are always the ones pushing for more 'safety' on everyone else.
The increased volume during the sponsored spots is the most annoying thing and I hate it. Please don't
Just fast-forward through it, it’s not the end of the world, holy crap.
They weren't complaining about the sponsors, but about the volume. I've noticed that too, and it's really jarring when the volume cranks up like that, especially if I'm not looking at the screen. I'm fine with sponsors, get that bag, just keep it the same volume! The post show is loud too.
@@ItsErica9090 You can probably still hear them in the bathroom.
Great episode! My spending was so similar to hers just a few months ago, excluding the credit card debt. Finally realised that the "sweet treats" I kept getting (plants, thrift store finds, driving to work instead of public transport etc) was TERRIBLE for my future finances, as I wasn't saving or investing any of it. Trying to break the habit of "just a little treat" is so incredibly hard, but I've started listing ALL of my expenses and going through them weekly, just to make my own accountability more visible to myself. This show has definitely been a great help. Thank you!
"Are you done with the instant gratification, because you are willing to make tomorrow better than it is today?" -Caleb Hammer
I like that you said that. I like collecting motivational quotes. I had to stop what I was doing to write it down. ☺️
Rent is $500?! But that's too much?! What even is this creature.
Some creature from fallout.
Why tf would you call a human being a creature😅
I wish my rent was that low.
@izzywoods749 it's a reoccurring joke on the show :3
Yeah my rent is $1700 a month and I gotta pay it myself. Most these guests have such low rent. It is crazy.
"I got that mass" is my new catch phrase. 🤣
haha
Density
I'm always so impressed by your empathy and kindness. I think it helps the WHAT ARE YOU DOING sink in a bit better. You're such a good dude, I appreciate you. And shoutout to our girl having the courage to get ripped apart for the entertainment of others. But also... I'm pretty decent with finances, but I learn so much and it prompts me to look more closely and think about how I spend and budget.
It would be interesting to have all her other friends get audited on this show
Why? Not everyone has dumb friends. I have 2 friends my age who can’t afford to move out/live alone. One friend made more than I did and lived at home and still couldn’t afford things. That didn’t rub off on me?
The lighting 🎉🎉🎉🎉 thank you it feels way more warm and welcoming
I currently have 10 years' experience and 2 degrees in safety (Environmental, Health, and Safety, and Industrial Hygiene) and I can say you don't necessarily need a degree to be in safety, but it's A LOT more than just "walk around doing eyewash inspections, telling people to be safe". It's extensive document management, trainings, people management, etc. I've also worked warehouses, and a lot require DOT trainings, HAZMAT (material dependent), forklift/pallet jack operations certs., and many more. You can make a decent living in EHS, just select the right field and be willing to 1) put in a ton of hours and work/additional education and 2) be the least liked person in the building outside of HR lol
I worked HAZMAT at a red and blue delivery company for a Christmas season and yeah, it's a ton of paperwork, documentation and interpersonal communication skills. You also need to learn every safety prodecure for the site (lock out, tag out, etc) and of course the need to have essential dreadof soneone getting pulled into a conveyor (maybe I just brought the last past 😂😂😂)
@@SpoonHurler For sure! I've worked everything from pharmaceutical to oil and gas to food manufacturing. Had someone tell me they could "do my job as long as they had Google". My response was "I can also be a mechanic as long as I have RUclips". Not so simple, bud
@@EFW93I'm only a year into EHS consulting and I just agree and ask them if they have the time to google the regs, write the plan and check for reg changes. They almost always concede and request a quote lol.
So much of my role with safety is PR - gaining credibility and report with people whose jobs are already hard enough. I am terrified that this chick who clearly has no mind for documentation details and practical risk analysis/judgement is in a position to give ESH an even worse rep.
Hats off to Caleb for powering through a rough hair day and still making it to work! It’s a great reminder to his guests and viewers that minor setbacks shouldn't hold us back
is this supposed to be backhanded because damn 😭💀💀 i think his hair looks good!
@@ansleyb7316 haha No, he even mentioned it in the video.
His hair looks hot
I don' know how you did it, Dude, but you made a successful channel basically telling people they are financial idiots and have them enjoy it.
Rating Caleb 20/10 😌👍
I also blame Parks and Rec for "Treat Yo Self" 😂😂😂
Hey don't be hating on Tom and Donna, they limited it to only one week, not every week 😂
Why? Donna and Tom saved for the whole before they had a treat yoself day.
@@kes9171 hahaha no hate. More jealous 😂 Some people just take "treat yo self" to a daily and that's crazy to me
@@LilySaintSinAs I recall Tom was in a huge amount of credit card debt.
@@RichKent entertainment 720 was so close to being profitable though
Your approach is so necessary. I’ve tried to help so many of my friends “the nice way”, and they just do not get it. I think your channel is awesome, and much needed. This should seriously be a class in school.
I do very similar work to her, I make 61k salary + productivity bonuses in my first year with no degree or experience. She can definitely make more than 70k as an EHS Manager. She should look into EHS consulting, you end up learning a lot of regs and looking at a lot of different facilities. Fun to have someone with a similar job to me on the show! A lot of consultants end up being government regulators and inspectors, you can get really good benefits. Something else to look into.
how did you land into your position? i’m interested i think
I'm in safety as well and make 95k/year. I have a bachelors degree in safety so that has helped, but there is definitely decent money. It's definitely not for the faint of heart though!
Caleb, speaking as a person who has struggled with weight all my life (I'm 63 now), I very much appreciate the sensitive way you approached that. It was especially effective in using your own story to relate. That was not fat shaming at all. Also, I am noticing her hair thinning in the front. She may be dealing with PCOS which makes it difficult to lose weight.
Does he have these conversations with thin people that are eating out and having treats, too?
That's why I do consider it fat shaming.
@@melynn44 He actually does if it is as excessive as hers.
You must be new here @@melynn44 😂
He didn’t shame her, she shouldn’t be doing it from a financial standpoint and it definitely serves to motivate her further from that bad spending considering it’s detrimental to her health. He doesn’t mention that for thin people because thin people aren’t suffering from weight problems. She mentions herself she has back pain and I’m sure her weight contributes to that in some capacity if not entirely.
@@melynn44brain-dead take. For starters he definitely gets pissed at skinny ppl for over spending on BS food. He was actually extra nice with this lady, and she's by far the biggest person he's had on the show.
The credit card kink bit honestly made me smile and made my day. Thank you so much. 30:26
I had to scroll so far for this 😢
Making a budget and sticking to it are two very different things
These episodes get me thru my gym time. I'm working on being consistent, and I get so BORED doing my cardio. This keeps me on the treadmill while reminding me why I don't need that Beats by Dre headphone set I REALLY want. #ItsFinanceDaddyDay
Try the rowing machine. I find that it is less boring. You can try the darts game.
Omg I want the new beats headphones too. But my old ones have to break first!
LISTEN!!!! Whether you close that account or don’t pay off your debt, it affects your credit score the same wayyy!!!!
I really don't understand these people. Just reading 841 dollars in monthly debt makes me panic and they act like it is normal and try to justify it
This girl needs to start to think of getting rid of her debt as her “sweet treat”
Caleb, just wanted to say, since I started watching your show in Spring 2023 I became very aware of how dire, and risky my financial situation was. Since then, I’ve paid off all of my credit cards and just today I paid off the last $4,500 of a $12,000 personal loan from previous stupid credit card purchases. Thanks so much for the show, I still have work to do, but my behaviors are still improving and I’m beginning to build a more substantial emergency fund than the $1K I’ve saved for now.
"Sweet Treat"...the new taquitos 😂
“Let’s go on a ride!”
“Go on a ride?”
That part got me 😂
Hes so sweet when addressing the sensitive issue of her weight and buying extra snacks
He understands.
Please don’t change the thumbnail, it’s GOLD!!
Your hot asf! Thats it im getting an iphone...i could never take a picture this good even with professional lighting.
Aaaaand it’s gone
and it changed haha
Why do they change it?
have they ever explained why they change it
Yikes. I feel kinda sorry for this girl. Her saying that she'll "die happy" because she ate tasty treats is the last thing she'll be thinking of on her deathbed. I work with all kinds of patients and ive worked with several who have actively passed as i was comforting them, holding their hand, trying to be an emotional support system to them and their families, and dying happy isnt what they're thinking. They're scared, unresponsive, incapacitated, in physical pain, anguish or cant breathe. Better to actually value your life while you still can, have "treats" everyone ONCE in a great while, and manage your life, finances, career, mental and physical health and wellbeing so you can live a peaceful life. This girl is still really young so theres hope for her, but as a former prediabetic and overweight person, too many treats can bite your ass in the end. Good luck to her.
We have an eating out problem in the US
It is by design. Fiat incentivizes to spend and not save. It's the reason for inflation, even though the fed couldn't tell you why it's necessary. Bitcoin fixes this.
My mom walked by me watching and said “doesn’t he have a comb or brush for that hair” 😂💀 she doesn’t understand that’s the style Caleb
great job addressing the instant gratification. debt, school/work/life balance and our relationship with food are all connected and every bank statement we’ve seen on this show proves that!
Wants to be safety manager at a warehouse. Rides around on motorcycles after drinking at breweries.
😂😂😂
I don’t see a problem…
Safety managers are the biggest hypocrites in the world. The type to get excessively drunk at the office party and do something life changing after 🤣
Omg 41:40 she cooked forever…
She says sweet treats make her happy, and at least she'll die happy, but when Caleb asks what her goals are in the next 5 years, she says she wants to be happy. Is she happy now? Or are the sweet treats a coping tactic? She seems like a sweet girl, and I really want her to succeed.
Hey Caleb, love your channel and what you do. Since finding the show a few months ago, I have made so much better progress than I was alone. I was up to 13k in CC debt with 12 cards between my wife and I. All 30%. Since opening them we have lost 13,000 in interest (your show taught me to go calculate this and track it!) and we now have paid off 3 of the card with the snowball method (no emergency fund right now but we are military so I feel like we are a bit safer there because AER exists and the debt is burying us.) and now we have only 9k in CC debt and still hacking at it. We applied to be on the show and I hear you yelling at me in my head all the time lol. I even went out and got a job at dominos just to make extra money on top of our income to keep attacking (our household income is now like 130k a year!) and we plan to be out of CC debt by end of year then save up 10k emergency fund, payoff RV (horrible decision years ago) and save up 40k for a house downpayment when my wife retires in 10 years. Thank you so much for this show. I'm not perfect according to your rules but I'm much better and slowly improving more by changing lifestyle bit by bit. We can do it. Anyone can do it. Thank you so much. Our 3 kids won't be responsible for us when we are old because of you, and they will be thankful for your show because of that as well.
Forgot to add, before the dominos job income was about 94000
I hope you guys get on the show! I’d love to see someone who started on things as an audience member and is on track to be debt free. That’s so inspiring!
Agreed, I’d love to see yall on the show!
I'd love to be on! I really want to try the budgeting program but can't justify the cost to myself lol
I’m rooting for you!!
As a truck driver the first few minutes were quite annoying. First of all… we’re only allowed to drive 11 hours a day and I do not need you watching the camera 24/7. Most cameras don’t even go off unless you hit your brakes hard 🫠
The sound bite after “sweet treat” is 👌
The cutting the cards clip is my sweet treat 🍦
Good job at taking the comments advice on how to reframe the "what credit are you trying to take advantage of" question! Kudos to Noah for probably suggesting and Caleb for executing it in an educational and patient way.
Im a truck driver. I hate dealing with these micromanagers
Who?
"Safety"
Her saying alcohol doesn’t affect her being on a bike even as a passenger is scary. It’s not the same as being a passenger on a vehicle.
Right? And I doubt she wears much in the way saftey gear. Wears a helmet but wears flip flops. I could be wrong, just what I observe most young people doing.
@@kents.2866my thoughts too! If I was the rider and she was my passenger I wouldn’t allow it. What if starts to fall asleep and takes me down with her..
@@kents.2866not enough leather in this world.
Beg to differ, especially because she's clearly not getting drunk. Those brewery charges were the cliché 2 beers.
I hate to say it but that confused me. Where she sitting on the bike? The weight limit for most bikes are 300-350 pounds. Add an intoxicated driver and you're cruising for a bruising.
1am here in Australia, time to get blood red mad before I sleep
So you're gonna go to bed at 2am? Go to sleep brother 😂
Me too. 1.26 am Melbourne
I appreciate you
Me as well!
That’s the spirit mate.
About to payoff my 12,000 dollar medical debt. 2 more payments left woot woot 🙌
I am happy to hear that
I like how Caleb takes into account the suggestions in the comments! Lighting, the credit question, debt counter… 10/10!
I appreciate Caleb being open about his vulnerabilities
My diabetic husband had that same attitude on sweet treats. I watched him struggle through 12 years of dialysis then suffer terrible pain as he lost circulation in is leg resulting in gangrene and the loss of that leg. After 2 months in the hospital he died in his sleep 4 days after getting home. You do not need that sweet treat and it will probably not result in you dying happy.
Had a nightmare Caleb was yelling at me about my credit cards and then I woke up and remembered I don’t have cc debt
If you actually never wash your car you'll F up your clearcoat and paint, and in any area that salts their roads your car will rust out. This'll trash your resale value if you ever try to sell it. You don't even have to do it very often, just after the last snow and every couple of months.
Caleb says he isn’t a car guy and from Michigan but doesn’t know about why a car wash can be very important.
Caleb lives in Austin. They don't salt roads.
It's driving on gravel that messes up your paint. That's why every truck and suv rust around the wheel wells and undercoat first.
Being from Minnesota I've never had rust issues with city driving as long as you wash off the snow melt after winter.
If you can't afford to wash your car... You shouldn't wash your car. That was his point.
I don’t think theirs any resale value in a Kia , maybe if it was a Toyota or Honda
Wow! Better job with the future credit need question! It's obvious Caleb and the team listen to subscriber feedback. Grooviness!!!
Caleb, you need to get to the root of WHY these people feel it's important for them to spend.
"Why do you want that car, is it to impress your friends? How has that worked? Would they stop liking you if you had a cheaper car? Maybe you should get better friends"
If you just grill them for spending without figuring out the emotional reasons why they do it, they won't make any changes to thwir lifestyle
i think this girl needed exactly what caleb provides, just a hard push into reality of her finances. i hope shes smart and makes a great change!
Caleb’s financial audit skills = 10/10. Caleb’s looks right now = 14/10 🔥
Emotional eating will not let you die happy but miserable in chronic pain and disease on constant medication.
I'd say, if you know you like sweet treats, buy them ahead at the store- so you won't be tempted to buy a BUNCH of snacks at the (more expensive, smaller servings) gas station.
Yeah, this is why I have some snacks (and at least one can of energy drink) in my car at all times.