Just an FYI, if he drives Uber as his main source of income, he only really pays 10-15% in taxes, roughly after all of the mileage deductions and the deductions from phone bill rent, etc.
I drive Uber the app tracks how many hours to drive. For future reference Caleb, you can have him open the app and show you on a weekly basis exactly how much he drives.
Unfortunately, You can’t drive Uber more than 12 hours before it kicks you off for six hours. From what I’ve seen. The best hours to drive is right after lunch around 1 PM until one or 2 AM especially on Thursdays and Fridays when the bar scene picks up.
Hey Caleb, fyi on child support in texas, it’s required to pay 20% of their monthly income for child support to the one with full custody. (and an additional 5% for every child) his 13% is far less so sometimes they decide outside of court and it benefits the one who is not the primary caretaker. $400 isn’t a lot to give to the one who is caring for his son every month. the part where she reaches out to him randomly for extra money isn’t right but i can see he does it out of being kind. hopefully she doesn’t continue that habit because he seems like a good person especially him knowing it’s his responsibility to contribute to his son.
"Isn't right" is a stretch. Sometimes kids want extra stuff or want to be in more events. It's reasonable to ask the other parent to cover these costs. But it's ok for the other parent to also say "No".
Caleb, your channel has inspired me to work as hard as I can to pay off my credit card, instead of assuming debit is inevitable. I have it down from $6300 to $4400 in 6 weeks, thanks to picking up all the OT I can and selling some stuff online. I truly believe I can pay it off completely in 2023. THANK YOU!!
I just want to say thank you to all the guests and sharing something so personal. It takes bravery to do this and hope we can all learn from other people's mistakes.
He spent the time and money to be a diesel mechanic, which can make 6 figures, but didn’t realize he didn’t like getting his hands greasy until after? Come on.
Wish he had asked about the cost of child care. Sure $400 is more than enough for a kid's groceries for the month but in most areas that's nothing when it comes to the cost of daycare and/ or an after school baby sitter.
Especially in a major city. I’m in Chicago and the absolute cheapest we were able to get it was $800. Ultimately I still had to leave work and stay home because we couldn’t afford it.
Yikes-I’m an actor in NYC and have zero debt. My friends who “didn’t make it” or quit, was because they literally couldn’t afford to be in the city anymore. He might be a great actor, but business and finance savvy is required to stay in it (unless you come from money). I hope this session helps him get it together so he can pursue his dreams!
Great comment and perspective. John Adams famously said: “I must study politics and war that my sons may have liberty to study mathematics and philosophy. My sons ought to study mathematics and philosophy, geography, natural history, naval architecture, navigation, commerce and agriculture in order to give their children a right to study painting, poetry, music, architecture, statuary, tapestry, and porcelain." What does that mean? Fortunately, America has built to a place where one no longer has to study politics and war to build a safe country to operate within. But this man still needs to study and engage in commerce so his SON has the opportunity to live an artistic dream. As you said, you can skip to the end step by scrimping, saving, and living extremely tightly… but can you do that when you already have a kid? Probably no, that’s probably past now. But he can fulfill his responsibility to his son, build a good life, help his family in Africa, and give his son the choice of things he could never have. It doesn’t mean he’s get to be an actor, but he could be the hero and founder of his entire family. That’s his responsibility.
This guy is kind hearted. I hope he isn't being taken advantage of. I wish him the best. Caleb, it is sweet that you know how to match your person that you interview. Some people you are harder on because they need it or can handle it. You had a softer approach with him which is sweet.
He has a CDL and a Diesel Mechanic cert. Both jobs are highly in demand. He could be in a lot better place if he just did one of them for a year while trying to figure out the next career that made financial sense. Acting is a great hobby but it's incredibly difficult to turn it into a career where you can make a living.
He could pick and choose between jobs that wouldn''t make him rich, but would certainly earn him more money and a TON more respect than another aspiring actor.
As my name suggests I'm a fellow immigrant and I definitely relate to him especially about the added level of pressure from the folks back home. I feel like he's using his acting career as a way to hide from the true issues. Like "when I make it as an actor I can pay all of this off, take care of the kids, everyone back home, etc..." which is a great goal to have but not when he's using it as a crutch to not deal with the mess in front of him. I definitely agree, get a diesel mechanic gig, clean up the debt and then he can uber while he works on his acting career!
You leave the people " back home" alone. Just taking money out of our system and shipping it right off to those that aren't tied to the US. Just like those from South of the border. No idea how much we send out to foreign countries- parents and family getting money from those in the USA. Believe it or not- it hurts our economy.
Alright just finished…guys problem is sticking to the terms of agreements: 1) checking account only lets you transfer ___ number of transfers month. He is upset about getting charged after he hits the limit. 2) breaks his lease on an apartment. You signed the contract for ___ months and have to pay a fee if you want out. 3) has a good paying job and likely was told they drug test. Smokes weed and gets popped. Gotta understand contracts and agreements to make it in todays world. The fact he has so many debts is a reflection on his ability to comply with rules he agreed to previously.
@@whyme7862How about live in a Communist state like China which depends on what the “leader” tells you to do so instead of following laws and contracts? I think North Korea fit you the most.
I have watched every single financial audit episode! Each one reminds me to look back at my budget and I just picture Caleb yelling at me anytime I want to order Uber Eats. Glad I have a realistic plan to get rid of all my debt before my next birthday!
Me too! Let’s go girl! (Well it will be a little after my birthday). I also started buying food to cook that I would normally want on the weekend like pizza, burgers and fries. I started making my own pizza 🍕 at home burgers because for some reason, either of those two foods call my name Saturday evenings.
Mr. Hammer, I applaud your patience with this interviewee 's attitude. I think I tore bits of my hair out while listening to this video, and here you are, sitting there and talking so calmly.
This dudes future is grim, he's too relaxed about the position he's in. If I suddenly found myself in his shoes my hair would be on absolute fire trying to dig my way out of it. I predict he will float through life in this manner for another 10 years never getting ahead, unless he changes his sense of urgency right away.
Really nice, easy-going guy, I'm not sure he completely understands finances though. I hope he works extra and cleans up his debt. I wish him the best.
A diesel mechanic that doesn’t like grease… a CDL driver that smokes weed?? How is $400 a month for a child enough? No worries he’s making it happen daily!
If the child's mother is working and the kid is 3 years old they need child care that's anywhere from $600 a month to $1400, we will go with $1000 just for laughs, half of that is $500 a month, therefore the $400 a month isn't even covering his half of child care let alone food, housing, gas, electric and the need for the mom to have a car and gas for the car along with health insurance for the child.
Yeaaa Caleb commenting on that one reallllly irked me & the finding out where it's going. Dude not even on their best day would my children's fathers ask where the money was going. Not to mention $400 is 10% of his gross pay (not that I think this dude even grosses that) but please go questioning and see how quickly he ends up in court paying double that.
People who use their own paid off car say that it’s hardly worth it. There’s no way he’s making money after subtracting gas, insurance and rental fees and taxes. I bet if you calculated it, he would be making like $4/hr or something crazy.
Let’s say he brings home $30/hr. $5 goes to gas, 5 to taxes. So $20. He has to drive for 30 hours to break even. At 60 hours, he makes the equivalent of $10/hr. If instead he brings in $24/hr, breakeven is 40 hours and at 60 hours it’s $5 an hour.
It takes more than just food to raise a child. Caleb forgot to consider child care, health insurance, doctor/emergency room visits, clothing, diapers, etc…..
@@whyme7862 In time, in time! Something tells me, though, if he decides to have a child, that child will be the most financially literate child on the block, the child will say to his/her parents, "Nah, no toy store for me today, it's not in my budget this month." The child I wish I were!
He's just concerned when he's sending all this money to a woman that has multiple kids with multiple dads. He needs to take care of his own financial situation too so he can raise his child properly. He has a 2 bedroom apartment to take of himself and his kid so it doesn't sound like he doesn't contribute.
I think the main issue here is that he grew up in a totally different financial environment and he doesn't have the financial literacy to survive in the US system. I'd recommend some classes to get up to speed, he doesn't seem like a bad guy.
It has nothing to do with his environment. I’ve seen Americans born and raised in America who are swimming in debt and don’t have the financial literacy either
I lets be nice - people have agreed to bare their financial souls on this channel. Not be ridiculed and picked apart. He's an immigrant and may not have had the basic financial education to make good financial decisions. Yes, you're going to make a lot of mistakes. I hope that he is able to get connected to resources that can help him understand finances and help him make better choices. Immigrants are typically really hard working and if they play their cards correctly, they're good at building generational wealth
His laugh makes me so happy! It reminds me of Muttley from Dastardly & Muttley! Also, so proud of him for transitioning to a new country, mastering the language (these aren’t basic conversation terms), and being open to letting his finances be out in the open! Good for you, sir! Rooting for your and your family’s success!
@@learnwithme5630 Omg! Thank you for calling me out on my ignorance! I did learn something today. I’m still beyond proud of him and thankful to you for informing me! :)
This man was unintentionally funny. Caleb: Was it the last month of your apartment? --- You could say that. Caleb: *squints* 🤣🤣 Even in the beginning, I was laughing. I hope he can get some resources and an understanding of the local laws. Maybe he can even find someone to help with his debts. I feel bad hearing him talk about his mom. "My mom never really told me why she sent me here."
My favourite was when he was talking about making $20/hour and getting paid and then using all the money so then he had to keep going to work to keep getting paid...yes, that describes a job. 🤣
Ok so for medical debt it’s important to talk to the billing department of the hospital if you have a low salary or can’t pay. Hospitals have to write off a certain amount of bills in order to keep their tax status as a charity. A lot of times you can get bills halved or even completely forgiven. I had to have emergency surgery when I was in college and since I didn’t have an income the cost of the entire procedure was waived. They’ll at least be able to work on a payment plan, but if you have medical debt with a hospital always check with their billing department if you get a big bill you can’t pay.
I was thinking the same - I had to visit the ER when I was in college and the entire bill was forgiven. The bottom of my billing statement even had the link to the website on it where you could apply for financial hardship.
Honestly, he has the skill set and credentials to clean this mess up very quickly. He screwed himself with not understanding dot regulations with his cdl license and a failed drug test will hang over his head for a while, but a diesel technician is a very solid profession that he can do and save money for his dream of being in the entertainment industry.
I don't have children but when it comes to child support there really is no asking what are. You spending the money on...the primary caretaker could make tons of money that does not negate that the other parent must contribute to the childs wellbeing. If the parent uses the money for rent that still is important for the child to have a roof over their head. Asking for extra money outside of what he regularly gives however is not okay especially in this situation ( note this comment was made halfway through the episode)
I would argue it does. This guy won't be of any use to his child's Mother if he ends up homeless by paying more than he can. If the Mother is spending it on frivolous items like her own personal cosmetics, or Restaraunts or fast food, I wouldn't be happy. I would want an agreement of where the money goes as well in his shoes.
@@MrsEJV Yeah I'm not denying there is more to a child than food and diapers for costs. I'm just saying this guy's finances are a mess. If too much is taken he won't maintain and then what use will he be to the child if he is homeless. If she does claim child support and he can't pay, prison or garnishment. You can't take blood from a stone. Luckily he has the mindset to get out of it, so it's not like he's a deadbeat.
@@MrsEJV Caleb is looking at it through the fathers perspective alone which is what he should be doing as an auditor. If I'm giving money for child support I would want an understanding of where it goes. As I've stated, this dude giving all his money to the mom is not the way forward. I agree with you that he should put his wants far on the backburner until he is stable, my point is... bleeding himself dry will not help the kid or himself long run. The dude is trying to "man up", but its a process. Clearly people need to make sure they are set before having kids.
I like your videos, but there was some bad ‘effective’ advice in this one. 100$ a week for a child is nothing, so you telling a guy (who’s not great at finance) to challenge his baby momma on where that money goes,and threaten to take it away, will not end well for him or the family. Rather, he should be more involved in the kids life to understand where that money goes rather than skimping his measly $100/wk for a CHILD. I mean, think about the amount he spends on his own video games. Imagine a kid who wants clothes, shoes, groceries, phone, video games, god forbid they play a sport, etc. Just be more involved.
With careers in the arts, MANY want to do it but so few actually can. Rather than doing Playstation, he should be doing community theatre. Maybe he could work at a dinner/theatre venue. He could get education/experience that way and also make some money. I live in Nashville and it is FULL of people who want to "make it" that never do. For every Carrie Underwood there are thousands of people who barely make it because as bad as they want it, they just don't have "it".
He is too relaxed about the situation and debt compared to Africans I know… I am an immigrant from Africa and I am used to living on way less and we are used to living on cash only/ no debt … Therefore after my move to the US I was able to make crazy sacrifices that 98% of Americans would never make. I think he didn’t have the options to “dream” and be an actor simply because he doesn’t have a safety net. We all have dreams but you gotta pay the bills. Also children, that’s the number one path to brokeland when you’re not financially stable. I sponsored my younger brother to immigrate here and the first thing I told him at the airport is children in America are not an option until you’re financially stable, married and thriving. Caleb you do know that child support is 20% for a kid right? So 14% is actually a deal
I absolutely love your passion! Whenever a guest tells you something that you just know is not good you react like someone took YOUR lunch money and punched you in the gut! It shows that you really do want to help them and their pain is yours! There is so much common ground with most guests…their wants are almost always justified in their minds but then they wonder why their financial life is wrecked. To all guests…soldier up and get tough on your finances before you are 40 and wonder what the heck happened. A bit of sacrifice now will pay off in the long term!
Stay out of the marriage and family therapy field my man, you're gonna get this guy a court order, then hes really screwed. The man needs to send his baby momma money.
I saw some comments below, but I have to mention. Child Support isn't about how much income does she make and can't she support the child herself. It is dependent on the amount of time someone has custody over. And each state has different percentage of income requirements by salary amount. If they have a private arrangement separate from the court it's fine. But if he just only paid for necessities he deemed he probably would be back to the courts. If he had more custody of the child than he wouldn't have to pay as much. But please be educated about it before you give financial advice on Child Support.
Yeah it was annoying that Caleb says that it easily covers food. Children need a lot more than just food! Pretty sure she's not living a "fantasy life" on $400 a month!
I don't understand the logic of "I'll rent a car to not put wear and tear on my own car." It's a car. Its literal purpose is to transport you and your stuff. Weird.
It is weird but I feel the same way. I have a PT job that is 80 miles away from where I live. I rented a car 1 time and realized it didn’t make sense financially in addition it was such a hassle to pick up and return the vehicle.
He rented a car to drive Uber. Went to school to be a diesel mechanic but doesn’t like getting his hands dirty. Got his CDL but didn’t know he was going to get drug tested. Caleb should drop the child support issue. He is coming off like a real jerk. This fellow has brought all of these problems on himself. He should get his hands dirty, pay off his debt, and take care of his child. He has to grow up.
Honestly, yes this guy is a sweetheart 😮💨 but if I hear him avoid/drag out another long winded answer or giggle at another serious question, I think I just might rip all my hair out 😂. He is way too chill for a 28 y/o broke father. Honestly, he’s a cutie and I come from a similar background so no judgement here but going all around the houses and the giggling at only having $500 in savings but 7k in debt. I just wanted to jump through the screen and shake him 😂💀. This ep was frustrating but also wholesome and funny. I wish nothing but the best for him 💕
This guy is so screwed. I work as an independent contractor as a second job and those taxes are about 1k a month that you need to pay quarterly to the IRS through 1040-ES.
He is too focused on being famous. Like you said, for a year, he needs to buckle down and pay off that debt and then focus on the other goals. P.S. I like how you spoke to him to try to get him to listen. Great Job.
The American dream has never been a promised. Trust me there is a reason why most Africans like myself want to leave our countries. You’re still far better off in the US but to attain the dream, it actually requires discipline and true sacrifice.
Nice job Caleb! I don't think he's in a real bad financial spot he just needs to prioritize where his money is going. Acting is a tough career choice ( I worry about his motivation) but it's more about networking and auditioning than schooling. Good points about your own experience with music! Hope he gets everything straightened out!
You're good at getting your guests to open up and understand your point of view. I wish I could get my sisters on here, I just end up frazzled and angry
I really hope he turns it around and (perhaps more importantly) starts distinguishing wants and needs. He has his heart in the right place. He wants to care for his son and his folks, now he just has to realize what it takes to do that without sinking himself. You did good in this interview but it is a first step at most (through no fault of yours, Caleb).
I think part of reason this guy is so lax with this debt is because he doesn’t understand how the American credit system works. He will have trouble getting another apartment on his own because of previous lease, BofA does not play with overdraft do they definitely reported it to the credit bureaus and likely already to Check Systems. Or he does understand it but doesn’t care because if all else fails can go bank home or the UK. 🤷🏽♀️
The attitude to baby mom is gross in this attitude. "Why wasnt she working?" maybe because she had a 2 year old and he's not paying anywhere near enough for daycare??
He bought a car only to rent a car instead... what?!... honestly unbelievable. He seems like a really nice, good guy... but wow does his brain seem to work in mysterious ways when it comes to finances 😅wishing him nothing but the best, I hope things turn around & start looking up for him! Edit: PLEASE FORGET ABOUT THE ACTING DREAMS
Maybe it's just me but I always think if you aren't somewhat financially stable you shouldn't really be having kids because now you are stuck in a bad situation where the kid needs money, time, and resources and you are unable to provide any of it.
Agreed. This just isn't the reality or thought processes of many humans. If people could only have kids "when they're financially ready" guess what - most people wouldn't have kids. Going at full throttle, most people don't reach some form of financial security until their thirties if that. Unless we can create a way for people to successfully have kids in their later years, if being 'ready' is a prerequisite for having kids, we'll either need a lot of societal support for parents and kids or we're going to see populations plummet - which is indeed what we're witnessing now
I understand but Africans really don’t have the same thought process surrounding children. Children are “always a blessing” and also in African countries families tend to help with child rearing so you might have a child, and not even bear the financial burden. Too bad he didn’t realize that that ain’t the American system
I understand, but I've been thinking a lot about it. Is it natural for there to be such a fight for jobs and resources? If someone wants to work, they should just be able to work right? Not complete to be hired. But like the other commenter said, if we all wait for financial stability, we'll be much older having children. I do think you should certainly be married first, as God covers and blesses you. I have experienced it first hand.
As someone who had a child who wasn’t financially ready, I wouldn’t recommend it. It’s been HARD and when we were in a really bad place had to take out loans before just to buy formula. Luckily we are down to only $1k in loans from family and then I have to start tackling my $43k in student loans. Don’t get me wrong I love my daughter but it’s LOTS of tears, and sacrifice, and sleepless nights worrying about how we’re going to pay the bills. Thank god I have a strong relationship with my boyfriend, I can’t imagine doing it all alone or just co-parenting.
He really needs a counselor to help him figure out his life. He should ask another immigrant to rent out his other bed room decreasing rent to $500. He has a maturity issue and if he uses the envelope method because he needs to see exactly where his money goes every month. Then He Needs To Stop the clinical studies. He is being a Guinea pig for pharmaceutical companies. He doesn’t know what that stuff will do to him in the future. He needs to Forget acting and get into healthcare. He needs to speak with successful African immigrants so they can show them how they did it. Right now he sounds like an irresponsible 15 year old. It’s time to get to work my friend.
19:49 If she puts him on court ordered child support the government could around 20%, regardless of how much the child actually needs, the judges make money personally from child support
Dangerous? Staying awake and watching out for all the careless car drivers on their phones is the only dangerous part about being a trucker (am cdl otr trucker)
@@emman4734 80k a year at 22. been driving for a year and a half. i have 26k saved up. i want to do this until i’m 25 which is when my license expires and by then my goal is to have 100k and if i play my cards right i could be near 150k by that time. After all bills and putting money aside for my food $3200-3500 goes straight to my savings every month. the reason i want to quit by 2025 is so I can focus in school without having to work. i’m taking online classes but not enough to finish a 4 year degree. i’m taking three classes and it’s taking up a lot of my time so i plan on taking two next semester. i’m very happy financially. I meal prep for the week and costs are reduced
CDL driving or diesel mechanic. Both are well paying. He might fare better as a driver though since hes used to driving uber anyway. He just needs to stay away from the wacky tobaccy.
When Caleb asked him point blank, what he wanted in life, he said "to be recognized and to be good at what he does" Wanting to be good at what you do is worth commemorating, but seeking recognition can become stressful or even dangerous.
Man he needs a budget like nobody’s business. Instead of hammering out all of those little transactions on the fly. He just doesn’t know what he’s got (and doesn’t got).
I noticed this as well...his attitude has been a bit meaner as well. I started watching because I was learning along with everyone, but now, I just see insults when the point is to help. True, some need a reality check, but still....
I dont think they are getting meaner or whatever. It's also youtube you got to have titles to attract people to your videos, he always asks permission from the people he interviewed for the titles. He is helping so much people in financial messes if anything we need more of this on youtube so more people can wake up and build a healthy financial future.
@@jdek88 -Sometimes people are born in unfortunate circumstances. There is no crime in talking about it. The only issue you should have with the “victim card” is when people don’t put a little energy into improving their lives thru the small things they can control.
I worked at a pre-release, and we had to do urinalyses on the residents a lot. The tests definitely pick up on CBD. They could even detect alcohol days after drinking.
The CBD thing has been an issue in the trucking industry for years now because people think that because CBD is legal they can do can do it which they should be able to, but what most people don't know is that if the amount of THC in the product is below a certain level they to not have to put it on the label. That is how a lot of purple in the industry lost their license.
I feel bad for this guy, he seems like a good dude but a lot of what he is saying makes no sense. Became a diesel mechanic but doesn't like grease, like how did you not know working on engines would involve getting dirty? Went to trade school but doesn't like to sweat or get dirty, again what were you thinking? Talks about the oil triggering the drug test but then talks about how he doesn't like to smoke weed as much anymore. Kids are the greatest thing in out lives, however having one before you are ready is the quickest way to ruin your entire life and maybe even their own. If not agreed on by the parties in advance, the mother is entitled to 20% of his net income for one child in Texas. It does not matter what she makes, if she works, what his rent is, his debts or anything else. Now it's hard to say if that is more or less then what he is paying now but based on the around $2K a month he is making that's around $400 a month he would be required to pay. As his income increases the child support will also, so he should calculate it like a tax, just deduct another 20% off the gross he earns before budgeting. That is not going to leave him much room for school, or another career. I can tell he really loves his kid, and all in all seems like he would be a great dad but needs to realize the acting career dream died, as did helping the family back home, when he had a kid that he needs to take care of.
I’m not sure why but just from the introduction I really feel for this guy. Most of the ppl you interview I can’t handle watching the entire video bc they make me so angry. ❤️😱
He seems like the typical hustler - work as little as possible to live the lifestyle they want. Quit a job making $20/hr to work towards his 'dream job' of being an actor, but only do enough Uber and studies to barely cover the bills. Also, surprised Caleb didn't mention anything about saving money in order to pay his taxes at the end of the year.
Anyone else watching these financial audits and grateful to be in country with a public health care system? Im so blessed for that and grateful for myself and all my loved ones that I dont have to worry about them going into medical debt.
@@Kevin-fn1rn Getting cancer, having a birth defect, or being in a car accident is not always because of a "terrible decision". We need a public health system the same as we have a national military to protect us. Each U.S. state doesn't have its own army, navy, airforce and marines.
I don’t feel bad for him. He should have stuck to what he came to the country for. When you don’t have focus, you end up in other messy situations. Just learn a trade quick and you’ll get tons of work.
I don't know if this fits, but when he said he likes driving, I thought maybe he could drive semi-trucks, aren't they in high demand? Do a tour, come home and see his kid. Doesn't fit with his acting career, but at least for the moment, this was something that popped into my head.
Am i understanding this? The man didnt even understand that he had to WAIT until payday for his check? Nobody explained this to him that it would be maybe one or two weeks, or a month (depending on when payday is for that company), before he gets paid, so he quit because he wasn't making money? Sounds like what happened to a guy at my husband's work, not long ago. My husband tried to rectify the situation, but the guy had moved on to a cash-daily job somewhere else already because he had a family to support. I hope this guy figures life in America out, for his kid's sake!
Unfortunately for him, he still has the mentality and beliefs of someone who lives in Africa which is fine, but with his financial situation he doesn’t really seem to realize that those ideals need to go on the back burner while he cleans up his own situation and evolves his own life. Taking care of those around you is great, happy he has that mentality, however he is broke and doesn’t have the money for that expensive choice he is making. Everyone is benefiting off him… but him.
The way Caleb spoke about the baby mamma was out of order. What she earns has nothing to do with how much child support he should pay. And then basically asking for receipts to prove what she spent that money on is disgusting. Though maybe if she did it would shock him into realising kids are expensive.
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Thanks for changing the thumbnail caption. V1 was a bit harsh
Just an FYI, if he drives Uber as his main source of income, he only really pays 10-15% in taxes, roughly after all of the mileage deductions and the deductions from phone bill rent, etc.
I drive Uber the app tracks how many hours to drive. For future reference Caleb, you can have him open the app and show you on a weekly basis exactly how much he drives.
Unfortunately, You can’t drive Uber more than 12 hours before it kicks you off for six hours.
From what I’ve seen. The best hours to drive is right after lunch around 1 PM until one or 2 AM especially on Thursdays and Fridays when the bar scene picks up.
Nice! Getting close.
Having kids before you have a game plan financially is like an atomic bomb to your life
🎯
Right chaos and confusion
I mean it seems to work for all the singe mommie super heroes out there
@@theskyizblue2day431 it absolutely does not
@@theskyizblue2day431 thats what they want you to think
Damn, he adjusted well to the American way of life: making babies, unmarried and in debt. And completely relaxed.
Aspiring actor 😅
😂
That’s the American dream! 🇺🇸 ❤️
🤣😂🤣
@@GrantValdes sounds better than being a soundcloud rapper.
Hey Caleb, fyi on child support in texas, it’s required to pay 20% of their monthly income for child support to the one with full custody. (and an additional 5% for every child) his 13% is far less so sometimes they decide outside of court and it benefits the one who is not the primary caretaker. $400 isn’t a lot to give to the one who is caring for his son every month. the part where she reaches out to him randomly for extra money isn’t right but i can see he does it out of being kind. hopefully she doesn’t continue that habit because he seems like a good person especially him knowing it’s his responsibility to contribute to his son.
I was surprised at that aswell. $400 per month is very little when looking at the cost of raising a kid, so it seems odd to question it with the mum.
"Isn't right" is a stretch. Sometimes kids want extra stuff or want to be in more events. It's reasonable to ask the other parent to cover these costs. But it's ok for the other parent to also say "No".
Child support should end. No sense of responsibility in the USA any longer. Destroying everything
20% is hella wtf 🤣 20% +35% fed taxes +12% state tax? catch me giving up on life 🫡
@@joshkeathley5361 No state tax in Texas. Also almost nobody pays 35% federal.
Caleb, your channel has inspired me to work as hard as I can to pay off my credit card, instead of assuming debit is inevitable. I have it down from $6300 to $4400 in 6 weeks, thanks to picking up all the OT I can and selling some stuff online. I truly believe I can pay it off completely in 2023. THANK YOU!!
Keep it up, Emma!! I’m sure you’re well on your way to being debt free, but don’t let up!! We’re rooting for you!!
💪!
Yassssssss 🥂🍾🥂🍾🥂🍾🥂🍾
You can do this!!!
you're in debt
I just want to say thank you to all the guests and sharing something so personal. It takes bravery to do this and hope we can all learn from other people's mistakes.
10000%
He spent the time and money to be a diesel mechanic, which can make 6 figures, but didn’t realize he didn’t like getting his hands greasy until after? Come on.
Bless his heart!! His finances are messy but he is a sweet guy. As a fellow immigrant, i know the struggles. Keep pushing!!!
...a bad day here is something most of the rest of the world would kill for...
Sweet or not, he's screwed
@@jaqueitch Not really. He gets to completely walk away from his debts BUT must sacrifice never being allowed to immigrate to the US ever again.
@@sammymontego2217 wth do you mean
@@dericanslum1696 kill for? Rich Africans are prosperous in Africa
Wish he had asked about the cost of child care. Sure $400 is more than enough for a kid's groceries for the month but in most areas that's nothing when it comes to the cost of daycare and/ or an after school baby sitter.
Especially in a major city. I’m in Chicago and the absolute cheapest we were able to get it was $800. Ultimately I still had to leave work and stay home because we couldn’t afford it.
@@MrsEJVCaleb is looking out for this guy. Its his job elizabeth.
@@MrsEJVI bet she has multiple baby daddies. 400 a week per child adds up quick, especially since she’s probably on welfare. Leeches on society.
Yikes-I’m an actor in NYC and have zero debt. My friends who “didn’t make it” or quit, was because they literally couldn’t afford to be in the city anymore. He might be a great actor, but business and finance savvy is required to stay in it (unless you come from money). I hope this session helps him get it together so he can pursue his dreams!
love an ethiopian pursuing acting here!!
Great comment and perspective.
John Adams famously said: “I must study politics and war that my sons may have liberty to study mathematics and philosophy. My sons ought to study mathematics and philosophy, geography, natural history, naval architecture, navigation, commerce and agriculture in order to give their children a right to study painting, poetry, music, architecture, statuary, tapestry, and porcelain."
What does that mean? Fortunately, America has built to a place where one no longer has to study politics and war to build a safe country to operate within. But this man still needs to study and engage in commerce so his SON has the opportunity to live an artistic dream. As you said, you can skip to the end step by scrimping, saving, and living extremely tightly… but can you do that when you already have a kid? Probably no, that’s probably past now. But he can fulfill his responsibility to his son, build a good life, help his family in Africa, and give his son the choice of things he could never have. It doesn’t mean he’s get to be an actor, but he could be the hero and founder of his entire family. That’s his responsibility.
This guy is kind hearted. I hope he isn't being taken advantage of. I wish him the best. Caleb, it is sweet that you know how to match your person that you interview. Some people you are harder on because they need it or can handle it. You had a softer approach with him which is sweet.
Caleb, maybe you can help him out with hooking him up with some free and reputable credit restoration company? Please try. ❤️
I’m sure he probably has been. Many Americans think they’re above immigrants, especially when they’re ethnic. It’s really sad.
@@jazzyj6640 that is so sad all around. Things like that should not be happening
He seems to be taking advantage of himself. Who would think renting a second car from Uber would somehow work out???
@@hofterup he's not very sharp. almost everything he tries to think through is off point.
He has a CDL and a Diesel Mechanic cert. Both jobs are highly in demand. He could be in a lot better place if he just did one of them for a year while trying to figure out the next career that made financial sense. Acting is a great hobby but it's incredibly difficult to turn it into a career where you can make a living.
Right
He could pick and choose between jobs that wouldn''t make him rich, but would certainly earn him more money and a TON more respect than another aspiring actor.
As my name suggests I'm a fellow immigrant and I definitely relate to him especially about the added level of pressure from the folks back home. I feel like he's using his acting career as a way to hide from the true issues. Like "when I make it as an actor I can pay all of this off, take care of the kids, everyone back home, etc..." which is a great goal to have but not when he's using it as a crutch to not deal with the mess in front of him. I definitely agree, get a diesel mechanic gig, clean up the debt and then he can uber while he works on his acting career!
You leave the people " back home" alone. Just taking money out of our system and shipping it right off to those that aren't tied to the US. Just like those from South of the border. No idea how much we send out to foreign countries- parents and family getting money from those in the USA. Believe it or not- it hurts our economy.
Alright just finished…guys problem is sticking to the terms of agreements:
1) checking account only lets you transfer ___ number of transfers month. He is upset about getting charged after he hits the limit.
2) breaks his lease on an apartment. You signed the contract for ___ months and have to pay a fee if you want out.
3) has a good paying job and likely was told they drug test. Smokes weed and gets popped.
Gotta understand contracts and agreements to make it in todays world. The fact he has so many debts is a reflection on his ability to comply with rules he agreed to previously.
Contracts are what make countries like the us/uk successful!
@@leonie3317 the U.S. is NOT “successful”.
@@leonie3317 yeah that's not true.
@@whyme7862How about live in a Communist state like China which depends on what the “leader” tells you to do so instead of following laws and contracts? I think North Korea fit you the most.
@@hiuszenoom809 same thing happens in the U.S. and U.K.
I have watched every single financial audit episode! Each one reminds me to look back at my budget and I just picture Caleb yelling at me anytime I want to order Uber Eats. Glad I have a realistic plan to get rid of all my debt before my next birthday!
Me too! Let’s go girl! (Well it will be a little after my birthday). I also started buying food to cook that I would normally want on the weekend like pizza, burgers and fries. I started making my own pizza 🍕 at home burgers because for some reason, either of those two foods call my name Saturday evenings.
In Texas, child support for one child is 15-20% of the income unless it is 50/50 custody.
Of all the things audited child support should be #1 women take that money and live it up kids at home hungry like 45/50% of the time
She probably has multiple baby daddies, and leeching off welfare. She’s playing the system like a fiddle.
Net or gross? Not sure why I care, but it would be a huge difference.
Mr. Hammer, I applaud your patience with this interviewee 's attitude. I think I tore bits of my hair out while listening to this video, and here you are, sitting there and talking so calmly.
This dudes future is grim, he's too relaxed about the position he's in. If I suddenly found myself in his shoes my hair would be on absolute fire trying to dig my way out of it. I predict he will float through life in this manner for another 10 years never getting ahead, unless he changes his sense of urgency right away.
Facts
If she puts him on child support, he would likely pay more than $400/mo.
I knew a guy that was paying 500/mo. That kept him from paying me what I asked for. SO I HATE people who have too many "other bills."
Really nice, easy-going guy, I'm not sure he completely understands finances though. I hope he works extra and cleans up his debt. I wish him the best.
A diesel mechanic that doesn’t like grease… a CDL driver that smokes weed?? How is $400 a month for a child enough? No worries he’s making it happen daily!
If the child's mother is working and the kid is 3 years old they need child care that's anywhere from $600 a month to $1400, we will go with $1000 just for laughs, half of that is $500 a month, therefore the $400 a month isn't even covering his half of child care let alone food, housing, gas, electric and the need for the mom to have a car and gas for the car along with health insurance for the child.
Amen
Yeaaa Caleb commenting on that one reallllly irked me & the finding out where it's going. Dude not even on their best day would my children's fathers ask where the money was going. Not to mention $400 is 10% of his gross pay (not that I think this dude even grosses that) but please go questioning and see how quickly he ends up in court paying double that.
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Renting a car for Lyft/Uber is straight bat-💩 crazy
Yeah that was a move 😅
I'm sure it violates the rental contract.
People who use their own paid off car say that it’s hardly worth it. There’s no way he’s making money after subtracting gas, insurance and rental fees and taxes. I bet if you calculated it, he would be making like $4/hr or something crazy.
Let’s say he brings home $30/hr. $5 goes to gas, 5 to taxes. So $20. He has to drive for 30 hours to break even. At 60 hours, he makes the equivalent of $10/hr. If instead he brings in $24/hr, breakeven is 40 hours and at 60 hours it’s $5 an hour.
@@tdgdbs1 I doubt if he cares.
It takes more than just food to raise a child. Caleb forgot to consider child care, health insurance, doctor/emergency room visits, clothing, diapers, etc…..
You can tell that people who respond like him doesn't have, or take care of children.
@@whyme7862 In time, in time! Something tells me, though, if he decides to have a child, that child will be the most financially literate child on the block, the child will say to his/her parents, "Nah, no toy store for me today, it's not in my budget this month." The child I wish I were!
@@Julia-b9xwish i was like that too😂
Seriously! At my workplace health insurance just for myself would have been $19/month. However add my daughter and it’s now $250/month 🙃
He's just concerned when he's sending all this money to a woman that has multiple kids with multiple dads. He needs to take care of his own financial situation too so he can raise his child properly. He has a 2 bedroom apartment to take of himself and his kid so it doesn't sound like he doesn't contribute.
I think the main issue here is that he grew up in a totally different financial environment and he doesn't have the financial literacy to survive in the US system. I'd recommend some classes to get up to speed, he doesn't seem like a bad guy.
Actually most Africans perform financially well in the US in terms of savings because they are used to a cash economy and living on way less.
Too bad we going cashless this decade
It has nothing to do with his environment. I’ve seen Americans born and raised in America who are swimming in debt and don’t have the financial literacy either
I lets be nice - people have agreed to bare their financial souls on this channel. Not be ridiculed and picked apart. He's an immigrant and may not have had the basic financial education to make good financial decisions. Yes, you're going to make a lot of mistakes. I hope that he is able to get connected to resources that can help him understand finances and help him make better choices. Immigrants are typically really hard working and if they play their cards correctly, they're good at building generational wealth
You're too optimistic 😂
You are 100% right! I'm an immigrant I made it. My kid will never struggle! We Africans love our Benz😜
His laugh makes me so happy! It reminds me of Muttley from Dastardly & Muttley! Also, so proud of him for transitioning to a new country, mastering the language (these aren’t basic conversation terms), and being open to letting his finances be out in the open! Good for you, sir! Rooting for your and your family’s success!
English is the official language in Liberia. He didn’t just learn the language - he just had an accent
@@learnwithme5630 Omg! Thank you for calling me out on my ignorance! I did learn something today. I’m still beyond proud of him and thankful to you for informing me! :)
@@AmberRen haha no problem 😂.
This man was unintentionally funny.
Caleb: Was it the last month of your apartment?
--- You could say that.
Caleb: *squints*
🤣🤣
Even in the beginning, I was laughing. I hope he can get some resources and an understanding of the local laws. Maybe he can even find someone to help with his debts. I feel bad hearing him talk about his mom. "My mom never really told me why she sent me here."
My favourite was when he was talking about making $20/hour and getting paid and then using all the money so then he had to keep going to work to keep getting paid...yes, that describes a job. 🤣
Poor guy. Can’t imagine coming from another country and having to navigate America’s financial system.
Ok so for medical debt it’s important to talk to the billing department of the hospital if you have a low salary or can’t pay. Hospitals have to write off a certain amount of bills in order to keep their tax status as a charity. A lot of times you can get bills halved or even completely forgiven. I had to have emergency surgery when I was in college and since I didn’t have an income the cost of the entire procedure was waived. They’ll at least be able to work on a payment plan, but if you have medical debt with a hospital always check with their billing department if you get a big bill you can’t pay.
I was thinking the same - I had to visit the ER when I was in college and the entire bill was forgiven. The bottom of my billing statement even had the link to the website on it where you could apply for financial hardship.
Honestly, he has the skill set and credentials to clean this mess up very quickly. He screwed himself with not understanding dot regulations with his cdl license and a failed drug test will hang over his head for a while, but a diesel technician is a very solid profession that he can do and save money for his dream of being in the entertainment industry.
I am getting a bit of a "he needs to put his air mask on first before helping others" vibes BUT that gets tricky when it is partially for his child.
I always appreciate these more unfortunate situations from the guests. It helps give me perspective
"In America, to be able to have money you have to work." Caleb you are a saint for trying to advance this guy's finances.
I don't have children but when it comes to child support there really is no asking what are. You spending the money on...the primary caretaker could make tons of money that does not negate that the other parent must contribute to the childs wellbeing. If the parent uses the money for rent that still is important for the child to have a roof over their head. Asking for extra money outside of what he regularly gives however is not okay especially in this situation ( note this comment was made halfway through the episode)
I would argue it does. This guy won't be of any use to his child's Mother if he ends up homeless by paying more than he can. If the Mother is spending it on frivolous items like her own personal cosmetics, or Restaraunts or fast food, I wouldn't be happy. I would want an agreement of where the money goes as well in his shoes.
@@MrsEJV Yeah I'm not denying there is more to a child than food and diapers for costs. I'm just saying this guy's finances are a mess. If too much is taken he won't maintain and then what use will he be to the child if he is homeless. If she does claim child support and he can't pay, prison or garnishment. You can't take blood from a stone. Luckily he has the mindset to get out of it, so it's not like he's a deadbeat.
@@MrsEJV Caleb is looking at it through the fathers perspective alone which is what he should be doing as an auditor. If I'm giving money for child support I would want an understanding of where it goes. As I've stated, this dude giving all his money to the mom is not the way forward. I agree with you that he should put his wants far on the backburner until he is stable, my point is... bleeding himself dry will not help the kid or himself long run. The dude is trying to "man up", but its a process. Clearly people need to make sure they are set before having kids.
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For the medical bills, some practices/hospitals allow to negotiate down or forgive some of the debt.
I like your videos, but there was some bad ‘effective’ advice in this one.
100$ a week for a child is nothing, so you telling a guy (who’s not great at finance) to challenge his baby momma on where that money goes,and threaten to take it away, will not end well for him or the family.
Rather, he should be more involved in the kids life to understand where that money goes rather than skimping his measly $100/wk for a CHILD. I mean, think about the amount he spends on his own video games. Imagine a kid who wants clothes, shoes, groceries, phone, video games, god forbid they play a sport, etc. Just be more involved.
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With careers in the arts, MANY want to do it but so few actually can. Rather than doing Playstation, he should be doing community theatre. Maybe he could work at a dinner/theatre venue. He could get education/experience that way and also make some money. I live in Nashville and it is FULL of people who want to "make it" that never do. For every Carrie Underwood there are thousands of people who barely make it because as bad as they want it, they just don't have "it".
He seems like a nice guy but those finances are all over the place. Bravo to anyone that can get on here and go through all of their accounts.
He is too relaxed about the situation and debt compared to Africans I know… I am an immigrant from Africa and I am used to living on way less and we are used to living on cash only/ no debt … Therefore after my move to the US I was able to make crazy sacrifices that 98% of Americans would never make. I think he didn’t have the options to “dream” and be an actor simply because he doesn’t have a safety net. We all have dreams but you gotta pay the bills. Also children, that’s the number one path to brokeland when you’re not financially stable. I sponsored my younger brother to immigrate here and the first thing I told him at the airport is children in America are not an option until you’re financially stable, married and thriving.
Caleb you do know that child support is 20% for a kid right? So 14% is actually a deal
Facts! And thank you for sharing
I absolutely love your passion! Whenever a guest tells you something that you just know is not good you react like someone took YOUR lunch money and punched you in the gut! It shows that you really do want to help them and their pain is yours! There is so much common ground with most guests…their wants are almost always justified in their minds but then they wonder why their financial life is wrecked. To all guests…soldier up and get tough on your finances before you are 40 and wonder what the heck happened. A bit of sacrifice now will pay off in the long term!
Stay out of the marriage and family therapy field my man, you're gonna get this guy a court order, then hes really screwed. The man needs to send his baby momma money.
Yep... he's way under what the court would order. Caleb is going to screw this dude. 🤣🤣🤣
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I really appreciate that you’re recruiting from ALL parts of the financial spectrum, Caleb. Kudos !
This guy seems super caring and like he is trying his hardest.
Exactly, HIS HARDEST and still failing.
I saw some comments below, but I have to mention. Child Support isn't about how much income does she make and can't she support the child herself. It is dependent on the amount of time someone has custody over. And each state has different percentage of income requirements by salary amount. If they have a private arrangement separate from the court it's fine. But if he just only paid for necessities he deemed he probably would be back to the courts. If he had more custody of the child than he wouldn't have to pay as much. But please be educated about it before you give financial advice on Child Support.
Thank you!!! Yes. If you don't know, don't say and give advice.
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$100 per week for child support is basically nothing. The mom can't slack off getting $100 per week lol.
Yep
Yeah it was annoying that Caleb says that it easily covers food. Children need a lot more than just food! Pretty sure she's not living a "fantasy life" on $400 a month!
That must mean he makes little to no money or else that would be higher.
Yeah child care is expensive.
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Every time he laughs, I laugh too. He has a bunch of positive energy!!
Same :)
Makes up for his lack in intellect I suppose.
I don't understand the logic of "I'll rent a car to not put wear and tear on my own car." It's a car. Its literal purpose is to transport you and your stuff. Weird.
It is weird but I feel the same way. I have a PT job that is 80 miles away from where I live. I rented a car 1 time and realized it didn’t make sense financially in addition it was such a hassle to pick up and return the vehicle.
$400 for a kid is nowhere near enough. There's food, diapers if they're young, clothing, child care, school, doctor checkups, etc.
Child support isn’t supposed to cover 100% of a child’s expenses. It’s just a portion based on the income of both parents.
He rented a car to drive Uber. Went to school to be a diesel mechanic but doesn’t like getting his hands dirty.
Got his CDL but didn’t know he was going to get drug tested.
Caleb should drop the child support issue. He is coming off like a real jerk.
This fellow has brought all of these problems on himself. He should get his hands dirty, pay off his debt, and take care of his child.
He has to grow up.
Kid is three. If mom is working, she has to pay childcare.
Caleb, your facial expressions when he tells you each debt is so comical. 😂
This guy would be perfect as a young Mike Tyson in a movie.
brilliant!
@@unisonosc1617 - 😊 Thank you. The voice and even his build are very similar.
Honestly, yes this guy is a sweetheart 😮💨 but if I hear him avoid/drag out another long winded answer or giggle at another serious question, I think I just might rip all my hair out 😂. He is way too chill for a 28 y/o broke father. Honestly, he’s a cutie and I come from a similar background so no judgement here but going all around the houses and the giggling at only having $500 in savings but 7k in debt. I just wanted to jump through the screen and shake him 😂💀. This ep was frustrating but also wholesome and funny. I wish nothing but the best for him 💕
This guy is so screwed. I work as an independent contractor as a second job and those taxes are about 1k a month that you need to pay quarterly to the IRS through 1040-ES.
He is too focused on being famous. Like you said, for a year, he needs to buckle down and pay off that debt and then focus on the other goals. P.S. I like how you spoke to him to try to get him to listen. Great Job.
Right
I feel so bad for people who were promised the American Dream. That doesn't exist anymore.
The American dream has never been a promised. Trust me there is a reason why most Africans like myself want to leave our countries. You’re still far better off in the US but to attain the dream, it actually requires discipline and true sacrifice.
Promised from who!? Lol
@@bdajazzfan immigrants are subjected to propaganda about America, through media and "recruiters".
The concept exists, it's just not really obtainable in America. You're much more likely to achieve the "American" Dream in Canada!
Nice job Caleb! I don't think he's in a real bad financial spot he just needs to prioritize where his money is going. Acting is a tough career choice ( I worry about his motivation) but it's more about networking and auditioning than schooling. Good points about your own experience with music! Hope he gets everything straightened out!
You're good at getting your guests to open up and understand your point of view. I wish I could get my sisters on here, I just end up frazzled and angry
ha! $400 a month is nothing!!!!!! and nooo she doesnt need to tell him on what she uses it.
I really hope he turns it around and (perhaps more importantly) starts distinguishing wants and needs. He has his heart in the right place. He wants to care for his son and his folks, now he just has to realize what it takes to do that without sinking himself. You did good in this interview but it is a first step at most (through no fault of yours, Caleb).
Wow. Caleb made the best speech to this guy about working towards having the real valuable things in this life and it completely did not hit.
I think part of reason this guy is so lax with this debt is because he doesn’t understand how the American credit system works.
He will have trouble getting another apartment on his own because of previous lease, BofA does not play with overdraft do they definitely reported it to the credit bureaus and likely already to Check Systems.
Or he does understand it but doesn’t care because if all else fails can go bank home or the UK. 🤷🏽♀️
The attitude to baby mom is gross in this attitude. "Why wasnt she working?" maybe because she had a 2 year old and he's not paying anywhere near enough for daycare??
He bought a car only to rent a car instead... what?!... honestly unbelievable. He seems like a really nice, good guy... but wow does his brain seem to work in mysterious ways when it comes to finances 😅wishing him nothing but the best, I hope things turn around & start looking up for him!
Edit: PLEASE FORGET ABOUT THE ACTING DREAMS
As soon as he said Bank Of America, I felt his pain…
Maybe it's just me but I always think if you aren't somewhat financially stable you shouldn't really be having kids because now you are stuck in a bad situation where the kid needs money, time, and resources and you are unable to provide any of it.
Agreed. This just isn't the reality or thought processes of many humans. If people could only have kids "when they're financially ready" guess what - most people wouldn't have kids. Going at full throttle, most people don't reach some form of financial security until their thirties if that. Unless we can create a way for people to successfully have kids in their later years, if being 'ready' is a prerequisite for having kids, we'll either need a lot of societal support for parents and kids or we're going to see populations plummet - which is indeed what we're witnessing now
I understand but Africans really don’t have the same thought process surrounding children. Children are “always a blessing” and also in African countries families tend to help with child rearing so you might have a child, and not even bear the financial burden. Too bad he didn’t realize that that ain’t the American system
I understand, but I've been thinking a lot about it. Is it natural for there to be such a fight for jobs and resources? If someone wants to work, they should just be able to work right? Not complete to be hired. But like the other commenter said, if we all wait for financial stability, we'll be much older having children. I do think you should certainly be married first, as God covers and blesses you. I have experienced it first hand.
@@mmidou2093well he is not in Africa and has to adjust to societal norms in the US
As someone who had a child who wasn’t financially ready, I wouldn’t recommend it. It’s been HARD and when we were in a really bad place had to take out loans before just to buy formula. Luckily we are down to only $1k in loans from family and then I have to start tackling my $43k in student loans.
Don’t get me wrong I love my daughter but it’s LOTS of tears, and sacrifice, and sleepless nights worrying about how we’re going to pay the bills. Thank god I have a strong relationship with my boyfriend, I can’t imagine doing it all alone or just co-parenting.
He really needs a counselor to help him figure out his life. He should ask another immigrant to rent out his other bed room decreasing rent to $500. He has a maturity issue and if he uses the envelope method because he needs to see exactly where his money goes every month. Then He Needs To Stop the clinical studies. He is being a Guinea pig for pharmaceutical companies. He doesn’t know what that stuff will do to him in the future. He needs to Forget acting and get into healthcare. He needs to speak with successful African immigrants so they can show them how they did it. Right now he sounds like an irresponsible 15 year old. It’s time to get to work my friend.
19:49 If she puts him on court ordered child support the government could around 20%, regardless of how much the child actually needs, the judges make money personally from child support
Hopefully, he can get back to CDL driving. I think he can pay off the debts pretty quickly
That's too dangerous terrible recommendation
@@emman4734 Oops my bad. Yeah let him do some diesel mechanic work he just hasn't done it in a few years
Dangerous? Staying awake and watching out for all the careless car drivers on their phones is the only dangerous part about being a trucker (am cdl otr trucker)
@@emman4734 80k a year at 22. been driving for a year and a half. i have 26k saved up. i want to do this until i’m 25 which is when my license expires and by then my goal is to have 100k and if i play my cards right i could be near 150k by that time. After all bills and putting money aside for my food $3200-3500 goes straight to my savings every month.
the reason i want to quit by 2025 is so I can focus in school without having to work. i’m taking online classes but not enough to finish a 4 year degree. i’m taking three classes and it’s taking up a lot of my time so i plan on taking two next semester. i’m very happy financially. I meal prep for the week and costs are reduced
CDL driving or diesel mechanic. Both are well paying. He might fare better as a driver though since hes used to driving uber anyway. He just needs to stay away from the wacky tobaccy.
I love this channel, and you've done incredibly well to grow it so quickly my man.
When Caleb asked him point blank, what he wanted in life, he said "to be recognized and to be good at what he does"
Wanting to be good at what you do is worth commemorating, but seeking recognition can become stressful or even dangerous.
Man he needs a budget like nobody’s business. Instead of hammering out all of those little transactions on the fly. He just doesn’t know what he’s got (and doesn’t got).
The thumbnails keep getting meaner. This guy just has the word "stupid" next to his face. 😂
I noticed this as well...his attitude has been a bit meaner as well. I started watching because I was learning along with everyone, but now, I just see insults when the point is to help. True, some need a reality check, but still....
I dont think they are getting meaner or whatever. It's also youtube you got to have titles to attract people to your videos, he always asks permission from the people he interviewed for the titles. He is helping so much people in financial messes if anything we need more of this on youtube so more people can wake up and build a healthy financial future.
You need a lot more money saved up if you want to chase your dreams my man. And you have a kid. Respect for grinding and not playing the victim card.
Why would he play the victim card?
@@chicnoir29 have you been living under a rock? A lot of people play the victim card
@@jdek88 -Sometimes people are born in unfortunate circumstances. There is no crime in talking about it.
The only issue you should have with the “victim card” is when people don’t put a little energy into improving their lives thru the small things they can control.
@@chicnoir29 Yeah where do you disagree with me? You're just arguing to argue.
@@jdek88 - No I don’t argue just to argue. I’m a very pleasant woman TBH. I just hate that one sized fits all guide to life.
I worked at a pre-release, and we had to do urinalyses on the residents a lot. The tests definitely pick up on CBD. They could even detect alcohol days after drinking.
It’s a lot to be a parent. That responsibility is heavy.
“Plus it’s an expensive hobby” that KILLED ME IDK WHY
The CBD thing has been an issue in the trucking industry for years now because people think that because CBD is legal they can do can do it which they should be able to, but what most people don't know is that if the amount of THC in the product is below a certain level they to not have to put it on the label. That is how a lot of purple in the industry lost their license.
They are allowed 0.3% of thc in their cbd products
I'm so happy when I come across an episode I haven't watched!
Unfortunately CBD still often has trace amounts of Delta-9 THC, to clear that up. It only needs to be below the legal limit for sale in US.
I think your camera is a little over exposed. That's just how my eye reads it.
Great content as always Caleb!
I feel bad for this guy, he seems like a good dude but a lot of what he is saying makes no sense. Became a diesel mechanic but doesn't like grease, like how did you not know working on engines would involve getting dirty? Went to trade school but doesn't like to sweat or get dirty, again what were you thinking? Talks about the oil triggering the drug test but then talks about how he doesn't like to smoke weed as much anymore.
Kids are the greatest thing in out lives, however having one before you are ready is the quickest way to ruin your entire life and maybe even their own. If not agreed on by the parties in advance, the mother is entitled to 20% of his net income for one child in Texas. It does not matter what she makes, if she works, what his rent is, his debts or anything else. Now it's hard to say if that is more or less then what he is paying now but based on the around $2K a month he is making that's around $400 a month he would be required to pay. As his income increases the child support will also, so he should calculate it like a tax, just deduct another 20% off the gross he earns before budgeting. That is not going to leave him much room for school, or another career.
I can tell he really loves his kid, and all in all seems like he would be a great dad but needs to realize the acting career dream died, as did helping the family back home, when he had a kid that he needs to take care of.
I’m not sure why but just from the introduction I really feel for this guy. Most of the ppl you interview I can’t handle watching the entire video bc they make me so angry. ❤️😱
Questioning the $100 a week for child support is not a smart move. Daycare alone is hundreds a week. He is getting off cheap at $100 a week.
Amazing how he opened up about his finances. terrible yet fascinating
He seems like the typical hustler - work as little as possible to live the lifestyle they want. Quit a job making $20/hr to work towards his 'dream job' of being an actor, but only do enough Uber and studies to barely cover the bills. Also, surprised Caleb didn't mention anything about saving money in order to pay his taxes at the end of the year.
lol he should just keep paying her $400. If they go to court he will have to pay much more.
I love this dudes laugh. Its amazing how people will keep shooting themselves in the foot, myself included.
Anyone else watching these financial audits and grateful to be in country with a public health care system? Im so blessed for that and grateful for myself and all my loved ones that I dont have to worry about them going into medical debt.
Why. So people who make terrible decisions are subsidized by those who dont?
@@Kevin-fn1rn this comment is grossly ignorant and bitter. You're clearly American.
@@Kevin-fn1rn Getting cancer, having a birth defect, or being in a car accident is not always because of a "terrible decision". We need a public health system the same as we have a national military to protect us. Each U.S. state doesn't have its own army, navy, airforce and marines.
@@10Vernonplace emergency services have always been available. Even if you are broke, ERs are required to help you
@@Kevin-fn1rn So essentially, we are all paying for it anyway, whether it's called a public system or not
I don’t feel bad for him. He should have stuck to what he came to the country for. When you don’t have focus, you end up in other messy situations. Just learn a trade quick and you’ll get tons of work.
I don't know if this fits, but when he said he likes driving, I thought maybe he could drive semi-trucks, aren't they in high demand? Do a tour, come home and see his kid.
Doesn't fit with his acting career, but at least for the moment, this was something that popped into my head.
Am i understanding this? The man didnt even understand that he had to WAIT until payday for his check? Nobody explained this to him that it would be maybe one or two weeks, or a month (depending on when payday is for that company), before he gets paid, so he quit because he wasn't making money? Sounds like what happened to a guy at my husband's work, not long ago. My husband tried to rectify the situation, but the guy had moved on to a cash-daily job somewhere else already because he had a family to support. I hope this guy figures life in America out, for his kid's sake!
One accident without “gig” insurance and he’ll have no future.
Every time he laughs i forget all about his bad finances 😂😂
Oh no no no - just hearing the first few minutes is a lot, but it's hard with no safety net or family to help
His laugh is great 😂
Infectious!
Unfortunately for him, he still has the mentality and beliefs of someone who lives in Africa which is fine, but with his financial situation he doesn’t really seem to realize that those ideals need to go on the back burner while he cleans up his own situation and evolves his own life. Taking care of those around you is great, happy he has that mentality, however he is broke and doesn’t have the money for that expensive choice he is making. Everyone is benefiting off him… but him.
$7000 he can easily get out of that. Some people owe so much more than that. I wish I only owed$7000.
The way Caleb spoke about the baby mamma was out of order. What she earns has nothing to do with how much child support he should pay. And then basically asking for receipts to prove what she spent that money on is disgusting. Though maybe if she did it would shock him into realising kids are expensive.