Wow I didn’t expect him to talk about what happened to him in 2021. I think that even though he is behind on retirement and has debts it’s a reminder to us that life is worth living. Thank you for sharing your story Tony! We’re so glad you’re here.
as someone whos lived through this, it was so amazing to see caleb have that empathy immediately. I literally watch this because he's from where I live, same state, yada yada, but he thanks, appreciates and understands the problem. THIS MAN RECOGNIZES MENTAL HEALTH ISSUES MORE THAN THE FUCKING GOVERNMENT
I wish we had looked into more about the gas mileage of that specific car because I feel like if you got a $10,000 hybrid, he could save a fuck ton of money on gas
@@Jester556 even so, he's had that issue, and its only been a year and a bit since. This is the problem with american gun control, people don't even talk about self harm.
@Shelley Jane So glad you're still here, happy 44th! I'm going to be 54 this summer. May I offer you some extra hope? I'm a former psychotherapist, long story short but I had to close my private practice due to chronic health issues from Lyme Disease, mono & other respiratory viruses way before c-vid, but think similar issues like with the long haul symptoms. I became a therapist due to my Mom's experiences with being a sexual assault survivor (military) and being diagnosed with BiPolar following the assault. The good news is once my Mom was done with her menstrual cycles her BiPolar went into permanent remission; she's 80 today :) In fact, in the 2 decades following her 30s, the symptoms lessened more & more & then at 50 totally gone, & she had major issues when she was young, postpartum depression & psychosis after I was born & 4 hospitalizations in her mid-20s-30s. As a former therapist & as someone who had several family members with mental health challenges & from the research I've done I can share that a lot of mental health issues, especially with women are hormonally related but the medical field refuses to do more research when they know there's a clear connection, very frustrating because hormonal therapy may do much better than current psych meds. Hang in there & some of these mental health challenges may spike a bit in mid-life and then I'm hoping for the best decade of your life! My Dad's mom didn't have mental health issues but many health issues that resolved as well once she hit 50 :)
Caleb, can you please start up 6 month follow up videos, so we can see the ratio of people that actually step up to the plate and better their life?? Keep up the great content
Psychiatrist here, huge huge kudos Caleb on your consistent advocacy for MH across your videos in natural conversation, and asking about firearms/safety in this one. Demonstrating how it isn't so hard talking about mental health. Kudos to on the bravery/strength of your guest here. 👏🙌
@adlibitumification I agree! I'm a former psychotherapist, who had post-viral health issues so I had to close my private practice. Every time I watch his shows I get nostalgic. I'm certified as a coach & I'm planning on coaching in the future, caregiving for my elderly parents right now & my health is my priority. Been on disability for 13 yrs, unfortunately.
@@billybernerno it doesn’t lol it’s not like he’s sending them clients. They just believe in what they do. MH is obviously important and to say anything else goes completely against science.
I agree with the above commentor. Of course you love his advocacy. He encourages people to line your pockets when you charge incredibly high prices, profiting off of peoples mental illness. Disgusting.
First off, as a consistent viewer of this channel, I am always grateful for all those that choose to be audited and put themselves out there for all of us to see. But more importantly, Tony, thank you for sharing your story. I can only reiterate what Caleb eloquently said. Your experience and willingness to be open about it undoubtedly is helping someone out there. Finances are just one aspect of our overall wellbeing. Caleb has built a community where we all hop on here and can take a peek into the financial lives of regular people. People just like us. Tony, you now have thousands of people on here cheering you on. You got this! It might seem unattainable at times, but you did the hard part of defining what you want. Now lets go out there and get it!
Very kindly said! I’m not even in debt but Tony’s story really hit me. Like you said, finances are only one aspect of our overall well-being. I’m glad you’re still with us Tony and I look forward to seeing him on the show again
Well stated! I totally agree with this comment. Came here to say this, but you did it so perfectly. Caleb the mental, and financial health coach we never knew we needed!!
I met an old woman. I asked her, “what’s your best tidbit of wisdom for getting older?” She told me that she asked another old woman when she was much younger the same question. She said, “Oh, they tell you life is short. I tell you THIS: Life is LONG. It’s too long. I wish I had planned for this.” Save more money. Invest in your hobbies. Figure out your purpose before you retire. If you sit down, you die. Get passionate. Stay busy.
I heard a similar saying a while back but can’t remember exactly where. Whenever I hear someone say life is short, I always say, life is the longest thing we’ll ever do. We simply confuse it being “short” with how abruptly & easily it can be lost or taken.
Oh man, perfectly said. I've been wholeheartedly doing everything I can to do exactly this all year. For the first time in my life, I'm prioritizing savings, investing and hobbies - real hobbies and interests.
I've dealt with hacked cards and usually the credit card companies are good about quickly refunding you. I've had to wait three months, though, with my debit card and bank for fraudulent charges.
@@baconoftheark agreed and it’s good for Caleb to know if it’s behavior or an issue like fraud. I believe him bc you didn’t see him sayin McD and OF again! Lol Unlike the creeper from the other day. He stunk of disingenuous. 😅
This was a heavy one. I definitely think there’s a link between financial well being and mental well being. Money may not buy happiness, but it CAN buy a sense of security that gives you peace of mind. It was brave of him to come forward in more ways than one. Wishing him all the best for the future. ❤
Money can't buy happiness, but it can buy everything else and no money buys you nothing. I spent most of my life in a bad home with family that financially destroyed and abused me. I remember having break downs over the stress of not being able to survive due to lack of funds. Now I make a comfortable 6 figure income and no matter how stressful things get, just knowing that I can financially handle it makes a world of difference.
Money definitely makes you more content with life, but life it is still life and has up and downs. Personally I prefer being sad with money than without it😂
For someone who isn’t qualified to talk about mental health, you handle these tough topics so well. Thank you so much for bringing these to light and not being afraid to talk about it on camera. Such a multi faceted show to fix the whole of your life to improve your finances. You’re doing great work, Caleb! ❤
He absolutely does not. He’s judgmental and keeps rambling on and on about a traveling sales representative buying food and drinks on the road. He’s condescending and unnecessary mean.
@@elodieelvira7913bro wasting thousands of dollars on frivolous purchases is incredibly dangerous. What if he lost his job? If homie is already getting doordash 30 times a month thats a habit that doesn't disappear overnight without any work being put in. This guy WILL be homeless if he loses his job and his family can't support him, if financially he doesn't improve.
@elodieelvira7913 I know its a bit late but i dont think caleb is being mean or rude at all. When your in debt you could be usuing your money in more effective manners. I used to have a job which was an awsome experience but it an hour and a half away on a military base for 12 hours so 15 hours away from home. I needed the money and was doing my best to bring up my savings so I would always make my own food for the 4 days I worked like that and i saved a lot of money. My dad on 12-14 hour road trips would pack food for the whole day cause he wasnt about to spend any money on the road or even on the actual trip for that matter. Just saying spending a shit ton of money on fast food even with an on the road job is probably not the best
This series gave me the serious push I needed to stop eating out so much and get my finances together. So grateful for Caleb and the guests who come on the show ❤
Ever since discovering this channel I have an additional layer to my decision making process in my brain for spending my money which involves someone like Caleb ridiculing me regarding my spending. Works great, credit cards are clear and I have actual savings now.
One thing I've learned over the past years working in a psychiatric hospital providing crisis intervention/counseling to those thinking of suicide as well as taking weekly shifts at our local 988 crisis hotline is that it takes so much bravery (and I mean SO MUCH bravery) to talk about suicide, let alone one's mental health. You are amazing Tony and never feel ashamed of talking about your past or any current MH struggles. THANK YOU Caleb for always promoting therapy and mental health well-being.
it really meant a lot to hear his story because its so hard to come to the realization of “ok yes i want to live now” and then have to stare at the consequences of everything that you did when you thought you wouldn’t make it past age 20. much love to this guy!!
Caleb Hammer is the financial, emotional, and mental health coach we all could benefit from. Thank you for always being so understanding, supportive, and brutally honest with your guests! You rock my dude!!❤
@@dericanslum1696 fair enough. My bank accounts, asset portfolio and retirement accounts say I’m in a good place financially. My gut says I’ll never think I have enough money so I keep my nose to the grindstone. (My gut doesn’t fail me)
I can see in his eyes how refreshing it was to talk about all this and his past struggles specifically. That alone tells me how much he would benefit from seeing a therapist. I really hope he strongly considers seeing one at least once or twice a month.
Friend, you DESERVE therapy. So many people look at it as one more thing on the to-do list, or it feels punitive, but when you find a therapist you click with (and once you get past the exhausting backstory with them) it truly feels like self-care. It's so worth it to have a human to vent to, bounce stuff off of, get feedback free of judgement, prompt you to consider stuff from a different perspective.
My husband is a long haul trucker and is home only every other weekend. He still shops for and preps all of his food. He eats a lot of Costco chicken, veggies, and fruit. He has access to a small fridge and a microwave. Avoiding fast food can be done and it can be healthier and save a ton of money. Yes, even if you have to be at gas stations for work. Be real about what snacks or drinks you want to always have and pick them up at Walmart or Costco ahead of time instead.
Watching these videos gives me more confidence as a 24yo on my financial status making a comfortable salary and worrying I'm doing shit purchases/expenses
Seeing these videos makes me feel slightly better about my financial situation. It really can always be worse, and focusing on your own situation is the best way to move forward.
As a mother I cried when I heard him say his intention of ending it. I just wanted to hug him and say you are worthwhile and too good to not grow old and have a wonderful life. My heart just broke.
It's very humbling to see someone hold himself to a higher level of accountability by coming on to the channel. You're awesome, Tony! I hope for the best for him and would love a follow-up episode! Caleb should also do an FAQ video about how he chooses applicants, his process, BTS footage -- it'd be an interesting glimpse into the magic that happens off-screen. Keep it up, Caleb!
I straight up thought this channel was to dunk all over people who are financially unstable off of the clips but now after seeing a few episodes I know now that it is truly just tough love. Financial situations are not an easy thing to navigate, especially when we account for real life shit.
I can see how you might think that. I’ve been watching a few months and I’m fully confident that Caleb is doing this for the right reasons and that he truly wants to help these people better their lives. He just needs them to realize HOW bad their situation is. You would be amazed at how many of them (even at like 40) think it’s no biggie that they have no 401k.
@@brittnay279 I think of a lot of these people similarly to drug addicts ( i used to be one myself). Its all a game of manipulation and lying to yourself, the only way to get out of it is by doing it yourself. Caleb is the cold water in the face people need to grow up. I wish i couldve found someone like caleb earlier!
Appreciate him sharing his story and struggle with mental health. He can get himself out of this within a few months really focusing on getting this all paid off.
You know what I’ve noticed from watching all these financial audits on this channel a lot of the people that make higher incomes are not happier than the people making much less… food for thought.
Eh he just came into his high income position within the last 6 months, and he seems pretty content. Wasn't unhappy with his financial status, but came on the show to get his money right. I know youre not just talking about Tony but his happiness/unhappiness does not seem tied to his income
It’s moreso the irresponsible spending. I don’t think anyone’s truly happy being on the show knowing their circumstances. Money does make a difference though.
It's like government. No matter how big your economy is, it doesn't matter if you just waste all the money on stupid stuff. Even celebrities and athletes often become destitute from wasting all their money on stupid stuff. Even if you make a 10 million a year, once you pay half to the tax man, you have 5. Then there's all sorts of other expenses like property tax, etc. But idiots will spend 11 million because they don't know how to do math and they have no impulse control. I know plenty of people who just throw money away on stupid stuff every month and then complain about wealth inequality. Like seriously, man, you just spent 100% of your take home pay on Coachella, coffee, a PS5, a flight to Hawaii, eating out every day, 500 dollars a month in car loans, some sort of dumb collection of shoes, keyboards, or action figures, OnlyFans, and another 500 a month on fitness somehow, and you wonder why your net worth is going down and people who spend less see their worth go up.
Some study found out say $75-80k. Is all that is needed for happiness, health and living a long while. Low income were unhappy, and more likely to die health wise. Probably has to do with hidonic treadmill.
I give tony so many props for being so open about his past! That kind of stuff can be so hard to talk about (as someone who's also been there,) but is SO importnat to do it anyway (if you're able.) He'll get his finances sorted out in no time because he's already overcame so much. Thank you for sharing
I work a job that causes me to drive 400 miles every two days. So I understand the pain of constantly eating gas station food and fast food and it absolutely kills my budget. I've stopped doing it for four months now and it's absolutely saved me so much money and it's made my health alot better.
Agree w Tony that percentages of spending categories makes it feel more real and relatable!! My take home is less than his, but when I hear the percentages I can put his spending into my salary and see just how bad it would be if I was spending the same
I liked the mental health discussion at the end... because a lot of times, financial decisions/situations can be a result of coping with mental health (buying items, food, and just anything to fill the void).
The only reason why I open RUclips is to keep myself updated for when Caleb uploads an episode! Been following since a couple month I never went back. I have cut almost everything that I was spending on, also now being laid off now I understand that not having an emergency fund is an emergency the hard way now am budgeting everything and seeking a therapist for my impulsive shopping. Caleb you have changed the way I looked at spending, the way I look at saving and the way that I need to grow my ass up! I am applying to jobs and will be saving to be financially free of debt thanks to you Caleb! ❤🎉 I’ll keep you updated
I know it can’t be easy to hear some of the stories these people tell you, but I appreciate the way you handle them with care! Both for their financial and personal situation. I love these videos and hope you never stop making them 😊
I really like the addition of pie charts and numbers being added to the screen during the convo to keep track. Sometimes it was a little hard to read, but I'm sure that'll get better as you figure out the best way to show numbers in the edit.
I am always confused. You come on the show/audit, to look for things to improve your situation. Yet many guests, just flat out refuse to do anything that would help them….
After watching a bunch of your videos. I started taking my finances more seriously. I’ve been putting money more regularly into my emergency fund. Looking into investing now. Thank you for sharing financial advice!
What I appreciate and shows he was actively listening compared to other guests is he reflected and actually offered another and compatible solution. Agree too that we always think someone else might need the help more or don’t want to waste someone’s time - but it’s your health and agree and wish everyone could afford therapy 💕
Good job Caleb on the non professional counseling. Who knows, that may be the closest anyone comes to getting him to get help. Just proves a theory that financial behavior is heavily influenced by our mental well being.
Hi Caleb, just an editing suggestion, sometimes it’s helpful for context for viewers to know income/ debt/ investment account balances later in the episode, I wonder if it’d be possible to just put up those numbers in the corner or something so that we are always aware, sometimes I’ll forget or miss the summary number
This episode was heavy for me. Related to a lot. Especially his story and almost unaliving. Currently at my own rock bottom trying every day to fix my life. Have never felt so hopeless though. But this episode helped me a little. Reminds me that with time and effort things can be fixed
As someone in the counseling field, I’m super impressed with Caleb advocating for MH in pretty much every video. When talking about SI (suicidal ideations) there shouldn’t be any fluff, be as straightforward as possible to assess what is the risk for this person. Talk like this should be built into conversations naturally so it’s not stigmatized or breeding shame in some dark corner of our noggin. ALSO when someone does their own work, you can tell. We see you Caleb 👏🏼👏🏼
I feel like there’s going to be a point in future where it legitimately makes financial sense for Caleb to get a certification so the videos are no longer #notofficialfinancialadvice. Keep it up!
Even with certifications online personalities do not want to open, public advice. Too much liability. I have a highly valued certification in my industry that I do not advertise for this exact reason.
Giving advice publicly on media like this can be a major liability if you have a credential or a license - if you are a licensed advisor/cpa/lawyer/etc., and you don’t specify that your videos are not actionable advice for a viewer's specific situation, then if a person watching takes the advice you give and it turns out badly, they'd have grounds to sue you for malpractice. It's why RUclips/TikTok lawyers or other licensed pros on social media always have similar disclaimers because of this risk. Idiots can misinterpret the advice, have something turn out bad, and then try to blame it on the professional on RUclips who "told them what to do" and try to get cash out of it, and ruin the person's professional rep in the process.
I see some of my spendings and I hear Caleb already “DUUUDE your money is going toward BULLSH***T” and yelling at me I have to say that since then I have lowered my monthly spending , and I’m more attentive to my budget Thanks Caleb 🙏
Caleb, the effect of putting the numbers of the full budget on the screen and the animation associated with it + the fact that it's working as a GIF and as PNG (translucency behavior) is soooooo slick to view and to understand all the numbers.
Such courage to share such an intimate, difficult story publicly. It DOES make it easier to understand why he is not super-stressed about his finances: he is busy celebrating the joy of being alive! But part of that whole. healing is looking to your future, making plans - including financial plans. Definitely get the MH support. Wishing you a long, healthy, wonderful life!
1 trend I’ve noticed with this channel is lots of guests have money in at least 5-6 different accounts. It’s too much of a headache and hard to keep up with. Limit it to at least 3 or it’s impossible to budget and to be organized. You’re just creating more work for yourself.
Thought i was the only one thinking this way ....the word for correcting this is discipline...controll spending and keep your funds in 1-2 account In this case, he does not need a separate account for " taxes" all he needs to do is pay it directly to the IRS every quarter
whether people think he justified his decisions or not, he's brave for coming on and making mental health and financial downfall known for people who's going through something similar. I pray everyone here is doing well and if you aren't, please reach out to a family member, co-worker, somebody. Don't be afraid to ask for help. Your past is your past!!!! Work to start for a greater future. I am less than 30,000 in debt and I'm working towards that. No excuse for me to be there but I can only look forward to clear that debt. We can do it, Let's do it together!
Me too! My major interest is in building an emergency savings fund but also a two to three year savings fund. Covid changed the game. Have a great one.
I’m here after watching your most recent videos and honestly I love this calmer format more. It’s less click baity and you come across much more genuine. I think the guest is also just grown and more mature but it’s nice not having to hear all the theatrics that your more recent videos are.
I just want to thank you and your guest for this series. It’s really helped in continuing the pursuit to paying off debts. I play an episode each morning and afternoon to help keep the spending in check!
Massive props to Tony for coming on, really rooting for him, and thanks for the great videos Caleb, I like seeing people get out of trouble, you are helping a lot of people.
Love when Caleb goes “ ALRIGHT HERE WE GO!” you know he about to get you straight! I need a Caleb because I have no idea where to start examining my finances. It’s literally always on my mind.
Wow I didn’t expect him to talk about what happened to him in 2021. I think that even though he is behind on retirement and has debts it’s a reminder to us that life is worth living. Thank you for sharing your story Tony! We’re so glad you’re here.
Weird to think that having a gun in his house is safe for him. Considering his past
as someone whos lived through this, it was so amazing to see caleb have that empathy immediately. I literally watch this because he's from where I live, same state, yada yada, but he thanks, appreciates and understands the problem. THIS MAN RECOGNIZES MENTAL HEALTH ISSUES MORE THAN THE FUCKING GOVERNMENT
I wish we had looked into more about the gas mileage of that specific car because I feel like if you got a $10,000 hybrid, he could save a fuck ton of money on gas
@@doom2060 yeah I agree but it really does seem he’s in a better mental state. I wish him well and am rooting for him.
@@Jester556 even so, he's had that issue, and its only been a year and a bit since. This is the problem with american gun control, people don't even talk about self harm.
I used to think I wouldn’t make it to 40 because of mental health difficulties but I’m 44 this year. I hope this guy has a long and happy future.
@Shelley Jane So glad you're still here, happy 44th! I'm going to be 54 this summer. May I offer you some extra hope? I'm a former psychotherapist, long story short but I had to close my private practice due to chronic health issues from Lyme Disease, mono & other respiratory viruses way before c-vid, but think similar issues like with the long haul symptoms. I became a therapist due to my Mom's experiences with being a sexual assault survivor (military) and being diagnosed with BiPolar following the assault. The good news is once my Mom was done with her menstrual cycles her BiPolar went into permanent remission; she's 80 today :) In fact, in the 2 decades following her 30s, the symptoms lessened more & more & then at 50 totally gone, & she had major issues when she was young, postpartum depression & psychosis after I was born & 4 hospitalizations in her mid-20s-30s. As a former therapist & as someone who had several family members with mental health challenges & from the research I've done I can share that a lot of mental health issues, especially with women are hormonally related but the medical field refuses to do more research when they know there's a clear connection, very frustrating because hormonal therapy may do much better than current psych meds. Hang in there & some of these mental health challenges may spike a bit in mid-life and then I'm hoping for the best decade of your life! My Dad's mom didn't have mental health issues but many health issues that resolved as well once she hit 50 :)
And let's hope the same for you!!
Same!😊😊😊
@@michellecd4722bro made a book
Caleb, can you please start up 6 month follow up videos, so we can see the ratio of people that actually step up to the plate and better their life?? Keep up the great content
One of the recent episodes was a follow-up
I bet it’s hard to get people to come back because they don’t do it
He does follow ups but some of these plans are going to take a year+ and I’m guessing the people failing aren’t coming back on lol
Psychiatrist here, huge huge kudos Caleb on your consistent advocacy for MH across your videos in natural conversation, and asking about firearms/safety in this one. Demonstrating how it isn't so hard talking about mental health. Kudos to on the bravery/strength of your guest here. 👏🙌
@adlibitumification I agree! I'm a former psychotherapist, who had post-viral health issues so I had to close my private practice. Every time I watch his shows I get nostalgic. I'm certified as a coach & I'm planning on coaching in the future, caregiving for my elderly parents right now & my health is my priority. Been on disability for 13 yrs, unfortunately.
Means more money for you, of course you like it.
@@billybernerno it doesn’t lol it’s not like he’s sending them clients. They just believe in what they do. MH is obviously important and to say anything else goes completely against science.
I agree with the above commentor. Of course you love his advocacy. He encourages people to line your pockets when you charge incredibly high prices, profiting off of peoples mental illness.
Disgusting.
@@brittnay279did you know by law therapist have to diagnose there clients even if nothing is wrong, that’s called corruption.
First off, as a consistent viewer of this channel, I am always grateful for all those that choose to be audited and put themselves out there for all of us to see. But more importantly, Tony, thank you for sharing your story. I can only reiterate what Caleb eloquently said. Your experience and willingness to be open about it undoubtedly is helping someone out there. Finances are just one aspect of our overall wellbeing. Caleb has built a community where we all hop on here and can take a peek into the financial lives of regular people. People just like us. Tony, you now have thousands of people on here cheering you on. You got this! It might seem unattainable at times, but you did the hard part of defining what you want. Now lets go out there and get it!
❤️❤️❤️
Very kindly said! I’m not even in debt but Tony’s story really hit me. Like you said, finances are only one aspect of our overall well-being. I’m glad you’re still with us Tony and I look forward to seeing him on the show again
Well said. Great comment. ❤
❤
Well stated! I totally agree with this comment. Came here to say this, but you did it so perfectly. Caleb the mental, and financial health coach we never knew we needed!!
How often you upload is insane. Man’s on his grind.
I met an old woman. I asked her, “what’s your best tidbit of wisdom for getting older?”
She told me that she asked another old woman when she was much younger the same question. She said, “Oh, they tell you life is short. I tell you THIS: Life is LONG. It’s too long. I wish I had planned for this.”
Save more money. Invest in your hobbies. Figure out your purpose before you retire. If you sit down, you die. Get passionate. Stay busy.
I heard a similar saying a while back but can’t remember exactly where. Whenever I hear someone say life is short, I always say, life is the longest thing we’ll ever do. We simply confuse it being “short” with how abruptly & easily it can be lost or taken.
That can be bad advice since they would then think that they can redo their life later and that brings procrastination.
@@seiwarriors and if we don’t, we can die on the Walmart floor.
Oh man, perfectly said. I've been wholeheartedly doing everything I can to do exactly this all year. For the first time in my life, I'm prioritizing savings, investing and hobbies - real hobbies and interests.
@exzavier8339we live our entire life time
“My card got hacked” lol dude was down bad and Caleb put him on the spot 😂😂😂😂😂😂😂😂😂😂😂😂😂😂
Caleb reacted exactly how I expected him to if he saw any OF charges for one of these folks 💀💀💀
I felt physical pain when he found the OF sub
I've dealt with hacked cards and usually the credit card companies are good about quickly refunding you. I've had to wait three months, though, with my debit card and bank for fraudulent charges.
7:19
@@baconoftheark agreed and it’s good for Caleb to know if it’s behavior or an issue like fraud.
I believe him bc you didn’t see him sayin McD and OF again! Lol Unlike the creeper from the other day. He stunk of disingenuous. 😅
Glad you’re still with us man. You’re a bright, articulate person with a spark in his eye; the world is lucky to have you here.
I admit, I am a Caleb addict. This is more entertainment that we have a right to expect from a channel. Thank you Caleb!
Well, RUclips channels are meant to entertain or inform so why wouldn’t we have the right lol
Thank you!
Same lol my boyfriend is low key jealous 😂
single guy making 10K a month and he throws away on junk. He will regret it in 20 Yrs.
This was a heavy one. I definitely think there’s a link between financial well being and mental well being. Money may not buy happiness, but it CAN buy a sense of security that gives you peace of mind. It was brave of him to come forward in more ways than one. Wishing him all the best for the future. ❤
Money can't buy happiness, but it can buy everything else and no money buys you nothing. I spent most of my life in a bad home with family that financially destroyed and abused me. I remember having break downs over the stress of not being able to survive due to lack of funds. Now I make a comfortable 6 figure income and no matter how stressful things get, just knowing that I can financially handle it makes a world of difference.
@@chkngrl money might not buy happiness, but not having any sure does make you sad.
@@chkngrl I don’t know bro I find the more money I have the happier I get.
There is correlation and this is a form of therapy. Hopefulness is the desired outcome.
Money definitely makes you more content with life, but life it is still life and has up and downs.
Personally I prefer being sad with money than without it😂
Ready to see disappointment from our non-financial advisor!
😮😅😮😊
As a therapist, I thank you greatly for how much of a champion of mental health you are. Everyone could absolutely benefit from therapy. Thanks Caleb!
For someone who isn’t qualified to talk about mental health, you handle these tough topics so well. Thank you so much for bringing these to light and not being afraid to talk about it on camera. Such a multi faceted show to fix the whole of your life to improve your finances. You’re doing great work, Caleb! ❤
He absolutely does not. He’s judgmental and keeps rambling on and on about a traveling sales representative buying food and drinks on the road. He’s condescending and unnecessary mean.
@@elodieelvira7913bro wasting thousands of dollars on frivolous purchases is incredibly dangerous. What if he lost his job? If homie is already getting doordash 30 times a month thats a habit that doesn't disappear overnight without any work being put in. This guy WILL be homeless if he loses his job and his family can't support him, if financially he doesn't improve.
@elodieelvira7913 I know its a bit late but i dont think caleb is being mean or rude at all. When your in debt you could be usuing your money in more effective manners. I used to have a job which was an awsome experience but it an hour and a half away on a military base for 12 hours so 15 hours away from home. I needed the money and was doing my best to bring up my savings so I would always make my own food for the 4 days I worked like that and i saved a lot of money. My dad on 12-14 hour road trips would pack food for the whole day cause he wasnt about to spend any money on the road or even on the actual trip for that matter. Just saying spending a shit ton of money on fast food even with an on the road job is probably not the best
“Someone compromised my card and got OF”🤨
Someone got post-nut clarity 🤣🤣
Deadasss
Smh he lying
A guy who has been saying he spent on fast food and the common denominator is that the thief also bought fast food? And he buys it every day?
@@responsibleaccount3918 exactly 🤨
"I pay $500/month to family member that just started" 💀
I’m very proud of this guy for coming on and putting his financial situation out in the open like that. Glad you’re still alive man, keep keeping on
This series gave me the serious push I needed to stop eating out so much and get my finances together. So grateful for Caleb and the guests who come on the show ❤
Facts lol, when I get hungry and feel lazy I just watch a video of his and then I get to cooking 🤣🤣
Ever since discovering this channel I have an additional layer to my decision making process in my brain for spending my money which involves someone like Caleb ridiculing me regarding my spending. Works great, credit cards are clear and I have actual savings now.
I hear Caleb yelling on my shoulder when I’m about to buy something stupid 😅
@@HeyItsEggysame. Every time i buy fast food i hear him in my head
Same. I havent gotten fast food in months 😂
I feel that it's the same for me after watching his videos. I can always hear Caleb in my head mocking me if I'm about to buy something I don't need
WWCD. what would Caleb do, or better WWCS what would Caleb say/shout/shriek
One thing I've learned over the past years working in a psychiatric hospital providing crisis intervention/counseling to those thinking of suicide as well as taking weekly shifts at our local 988 crisis hotline is that it takes so much bravery (and I mean SO MUCH bravery) to talk about suicide, let alone one's mental health. You are amazing Tony and never feel ashamed of talking about your past or any current MH struggles. THANK YOU Caleb for always promoting therapy and mental health well-being.
it really meant a lot to hear his story because its so hard to come to the realization of “ok yes i want to live now” and then have to stare at the consequences of everything that you did when you thought you wouldn’t make it past age 20. much love to this guy!!
Exactly!
I’m so glad this guy is alive to tell his story
Caleb Hammer is the financial, emotional, and mental health coach we all could benefit from. Thank you for always being so understanding, supportive, and brutally honest with your guests! You rock my dude!!❤
I would watch a financial audit literally every day if you uploaded them lol
Me three!
Me too
Twice a daily please thank youuu
Same
Same
I was beating myself up for going over my budget by $7 so I’m glad Caleb posted so I can feel better about myself 😅
My gut says I’m in a good place financially. Caleb makes me question everything. Literally everything.
...you would do best in life to seperate facts from feelings and act according to reality...
@@dericanslum1696 fair enough. My bank accounts, asset portfolio and retirement accounts say I’m in a good place financially. My gut says I’ll never think I have enough money so I keep my nose to the grindstone. (My gut doesn’t fail me)
I can see in his eyes how refreshing it was to talk about all this and his past struggles specifically. That alone tells me how much he would benefit from seeing a therapist. I really hope he strongly considers seeing one at least once or twice a month.
Dinner and financial audit is my new routine 😂
❤️❤️❤️❤️
Enjoy your food
Mine is breakfast and financial audit 😂😂
Lunch*
Doordash and financial auto ❤
Friend, you DESERVE therapy. So many people look at it as one more thing on the to-do list, or it feels punitive, but when you find a therapist you click with (and once you get past the exhausting backstory with them) it truly feels like self-care. It's so worth it to have a human to vent to, bounce stuff off of, get feedback free of judgement, prompt you to consider stuff from a different perspective.
Dude so cool to see someone actually HEAR Caleb’s advice/plan and respond in a positive and constructive way! You got this, man!!
My husband is a long haul trucker and is home only every other weekend. He still shops for and preps all of his food. He eats a lot of Costco chicken, veggies, and fruit. He has access to a small fridge and a microwave. Avoiding fast food can be done and it can be healthier and save a ton of money. Yes, even if you have to be at gas stations for work. Be real about what snacks or drinks you want to always have and pick them up at Walmart or Costco ahead of time instead.
Thank god for people like Caleb educating people on how important financial literacy is
Watching these videos gives me more confidence as a 24yo on my financial status making a comfortable salary and worrying I'm doing shit purchases/expenses
Seeing these videos makes me feel slightly better about my financial situation. It really can always be worse, and focusing on your own situation is the best way to move forward.
As a mother I cried when I heard him say his intention of ending it. I just wanted to hug him and say you are worthwhile and too good to not grow old and have a wonderful life. My heart just broke.
Wow how did you not tell him to sell his bike? And literally one of the worst combos would be a bike w/o health insurance!!🤯
He doesn’t need any hospital bills, they will bankrupt you.
It's very humbling to see someone hold himself to a higher level of accountability by coming on to the channel. You're awesome, Tony!
I hope for the best for him and would love a follow-up episode! Caleb should also do an FAQ video about how he chooses applicants, his process, BTS footage -- it'd be an interesting glimpse into the magic that happens off-screen. Keep it up, Caleb!
I straight up thought this channel was to dunk all over people who are financially unstable off of the clips but now after seeing a few episodes I know now that it is truly just tough love. Financial situations are not an easy thing to navigate, especially when we account for real life shit.
I can see how you might think that. I’ve been watching a few months and I’m fully confident that Caleb is doing this for the right reasons and that he truly wants to help these people better their lives. He just needs them to realize HOW bad their situation is. You would be amazed at how many of them (even at like 40) think it’s no biggie that they have no 401k.
@@brittnay279 I think of a lot of these people similarly to drug addicts ( i used to be one myself). Its all a game of manipulation and lying to yourself, the only way to get out of it is by doing it yourself. Caleb is the cold water in the face people need to grow up. I wish i couldve found someone like caleb earlier!
Ooh look at me late for work, but on time for Financial Audit 😅
Appreciate him sharing his story and struggle with mental health. He can get himself out of this within a few months really focusing on getting this all paid off.
You know what I’ve noticed from watching all these financial audits on this channel a lot of the people that make higher incomes are not happier than the people making much less… food for thought.
Eh he just came into his high income position within the last 6 months, and he seems pretty content. Wasn't unhappy with his financial status, but came on the show to get his money right. I know youre not just talking about Tony but his happiness/unhappiness does not seem tied to his income
It’s moreso the irresponsible spending. I don’t think anyone’s truly happy being on the show knowing their circumstances. Money does make a difference though.
It's like government. No matter how big your economy is, it doesn't matter if you just waste all the money on stupid stuff.
Even celebrities and athletes often become destitute from wasting all their money on stupid stuff. Even if you make a 10 million a year, once you pay half to the tax man, you have 5. Then there's all sorts of other expenses like property tax, etc. But idiots will spend 11 million because they don't know how to do math and they have no impulse control.
I know plenty of people who just throw money away on stupid stuff every month and then complain about wealth inequality. Like seriously, man, you just spent 100% of your take home pay on Coachella, coffee, a PS5, a flight to Hawaii, eating out every day, 500 dollars a month in car loans, some sort of dumb collection of shoes, keyboards, or action figures, OnlyFans, and another 500 a month on fitness somehow, and you wonder why your net worth is going down and people who spend less see their worth go up.
Some study found out say $75-80k. Is all that is needed for happiness, health and living a long while. Low income were unhappy, and more likely to die health wise. Probably has to do with hidonic treadmill.
I give tony so many props for being so open about his past! That kind of stuff can be so hard to talk about (as someone who's also been there,) but is SO importnat to do it anyway (if you're able.) He'll get his finances sorted out in no time because he's already overcame so much. Thank you for sharing
I work a job that causes me to drive 400 miles every two days. So I understand the pain of constantly eating gas station food and fast food and it absolutely kills my budget. I've stopped doing it for four months now and it's absolutely saved me so much money and it's made my health alot better.
Caleb is so kind and I love his support of therapy! I hope Tony continues to be happy and successful.
I clean for a living and listen all day. Love these Caleb. Making me motivated to make changes as well
Agree w Tony that percentages of spending categories makes it feel more real and relatable!!
My take home is less than his, but when I hear the percentages I can put his spending into my salary and see just how bad it would be if I was spending the same
I liked the mental health discussion at the end... because a lot of times, financial decisions/situations can be a result of coping with mental health (buying items, food, and just anything to fill the void).
The only reason why I open RUclips is to keep myself updated for when Caleb uploads an episode! Been following since a couple month I never went back. I have cut almost everything that I was spending on, also now being laid off now I understand that not having an emergency fund is an emergency the hard way now am budgeting everything and seeking a therapist for my impulsive shopping. Caleb you have changed the way I looked at spending, the way I look at saving and the way that I need to grow my ass up! I am applying to jobs and will be saving to be financially free of debt thanks to you Caleb! ❤🎉
I’ll keep you updated
Damn, keep working and you'll make it through!
Caleb is such a wonderful human being.
Wow….first audit I have cried watching. So glad he’s here and has hopes for the future❤️
Same 😢
Tony, you got this! So proud of you for sticking around ❤️❤️
I respect how vulnerable he is I hope he can turn it around I am rooting for him.
Fav time of day. It is Friday and Caleb posted. Sounds like a win win to me. Have a great weekend all
I know it can’t be easy to hear some of the stories these people tell you, but I appreciate the way you handle them with care! Both for their financial and personal situation. I love these videos and hope you never stop making them 😊
I really like the addition of pie charts and numbers being added to the screen during the convo to keep track. Sometimes it was a little hard to read, but I'm sure that'll get better as you figure out the best way to show numbers in the edit.
Payday and a Caleb hammer video can this day get any better!! Love you bud
I am always confused. You come on the show/audit, to look for things to improve your situation. Yet many guests, just flat out refuse to do anything that would help them….
After watching a bunch of your videos. I started taking my finances more seriously. I’ve been putting money more regularly into my emergency fund. Looking into investing now. Thank you for sharing financial advice!
Big respect to this guest for sharing everything he shared even beyond his finances and respect to Caleb for how great he responded to it.
What I appreciate and shows he was actively listening compared to other guests is he reflected and actually offered another and compatible solution. Agree too that we always think someone else might need the help more or don’t want to waste someone’s time - but it’s your health and agree and wish everyone could afford therapy 💕
Emotionally charged episode. Bummer how some folks can feel so low. Finances can be hard to deal with
Good job Caleb on the non professional counseling.
Who knows, that may be the closest anyone comes to getting him to get help.
Just proves a theory that financial behavior is heavily influenced by our mental well being.
Probably my faviorte guest so far, what a smart well spoken guy. I'm sure he's going to clean all this up in no time
stoked for every video. In a culture where we don’t talk about money much, it’s so good to get some financial tea ❤
Hi Caleb, just an editing suggestion, sometimes it’s helpful for context for viewers to know income/ debt/ investment account balances later in the episode, I wonder if it’d be possible to just put up those numbers in the corner or something so that we are always aware, sometimes I’ll forget or miss the summary number
So excited for Tony! He's going to get things paid off and plan for the future. I really appreciate honesty and vulnerability about mental health.
This episode was heavy for me. Related to a lot. Especially his story and almost unaliving. Currently at my own rock bottom trying every day to fix my life. Have never felt so hopeless though. But this episode helped me a little. Reminds me that with time and effort things can be fixed
Keep at it, Jacob. You are worth it! It takes time and effort, but it’s always possible.
Rooting for you Jacob, one day at a time
Same here Jacop, stay strong 😊
Take care of yourself. ❤
Things can definitely be fixed. Hang in there. ❤
This channel is honestly a godsend. 😊
As someone in the counseling field, I’m super impressed with Caleb advocating for MH in pretty much every video. When talking about SI (suicidal ideations) there shouldn’t be any fluff, be as straightforward as possible to assess what is the risk for this person. Talk like this should be built into conversations naturally so it’s not stigmatized or breeding shame in some dark corner of our noggin. ALSO when someone does their own work, you can tell. We see you Caleb 👏🏼👏🏼
I feel like there’s going to be a point in future where it legitimately makes financial sense for Caleb to get a certification so the videos are no longer #notofficialfinancialadvice. Keep it up!
Even with certifications online personalities do not want to open, public advice. Too much liability. I have a highly valued certification in my industry that I do not advertise for this exact reason.
Giving advice publicly on media like this can be a major liability if you have a credential or a license - if you are a licensed advisor/cpa/lawyer/etc., and you don’t specify that your videos are not actionable advice for a viewer's specific situation, then if a person watching takes the advice you give and it turns out badly, they'd have grounds to sue you for malpractice. It's why RUclips/TikTok lawyers or other licensed pros on social media always have similar disclaimers because of this risk. Idiots can misinterpret the advice, have something turn out bad, and then try to blame it on the professional on RUclips who "told them what to do" and try to get cash out of it, and ruin the person's professional rep in the process.
Can we just Say that this guys voice is amazing. He needs a podcast.
Thank you for sharing your story Tony!! You’re a sweetheart and I wish you the best
I hope we get to see Tony in a future financial audit to see how he does on his goals moving forward!
I like this guy, I’m glad he’s still here and im so glad he’s happy ❤
I see some of my spendings and I hear Caleb already “DUUUDE your money is going toward BULLSH***T” and yelling at me
I have to say that since then I have lowered my monthly spending , and I’m more attentive to my budget Thanks Caleb 🙏
I can relate to this dude. I'm rooting for him. He's gonna make it
So are you! Ok?
Caleb, the effect of putting the numbers of the full budget on the screen and the animation associated with it + the fact that it's working as a GIF and as PNG (translucency behavior) is soooooo slick to view and to understand all the numbers.
Such courage to share such an intimate, difficult story publicly. It DOES make it easier to understand why he is not super-stressed about his finances: he is busy celebrating the joy of being alive! But part of that whole. healing is looking to your future, making plans - including financial plans. Definitely get the MH support. Wishing you a long, healthy, wonderful life!
1 trend I’ve noticed with this channel is lots of guests have money in at least 5-6 different accounts. It’s too much of a headache and hard to keep up with. Limit it to at least 3 or it’s impossible to budget and to be organized. You’re just creating more work for yourself.
Thought i was the only one thinking this way ....the word for correcting this is discipline...controll spending and keep your funds in 1-2 account
In this case, he does not need a separate account for " taxes" all he needs to do is pay it directly to the IRS every quarter
The openness is helpful for everyone who has also gone through the same experience and down stage in their life. Great audit!❤
whether people think he justified his decisions or not, he's brave for coming on and making mental health and financial downfall known for people who's going through something similar. I pray everyone here is doing well and if you aren't, please reach out to a family member, co-worker, somebody. Don't be afraid to ask for help. Your past is your past!!!! Work to start for a greater future. I am less than 30,000 in debt and I'm working towards that. No excuse for me to be there but I can only look forward to clear that debt. We can do it, Let's do it together!
I personally think therapy is like a medical doctor check up and should be done periodically like that, this was a good one !!!
He knows no one "hacked" his card for no damn OF & McDonald's 😂
😂 ikr prolly him
😂
when i first started working, someone somehow got ahold of my card info and spent roughly $200 on youtube. you'd be surprised
Thank you for making these videos, I've grown an interest in having good credit and finances since finding these a couple months ago.
Me too! My major interest is in building an emergency savings fund but also a two to three year savings fund. Covid changed the game. Have a great one.
So appreciate your understanding of how mental health and finances are related and your genuine care. Thank you Caleb
I’m here after watching your most recent videos and honestly I love this calmer format more. It’s less click baity and you come across much more genuine. I think the guest is also just grown and more mature but it’s nice not having to hear all the theatrics that your more recent videos are.
I just want to thank you and your guest for this series. It’s really helped in continuing the pursuit to paying off debts. I play an episode each morning and afternoon to help keep the spending in check!
I am just starting this video and as others have mentioned, this guy has a voice that is easy to listen to.
I’m swinging at my phone. HOW are people so disorganized sharing their info to Caleb when he asks for what they have to talk about 🤯🤯
This mad me so sad , he seems like a such a sweet guy. I hope he truly gets everything he wants in this life.
You releasing a video is literally my favorite part of the day!
Glad you are still here Tony. Please reach out for help in case you get low again. Therapy is good for any person..it is not weakness. You matter😵💫
Better help needs to sponsor Caleb! He’s constantly speaking on how important mental health is!
I love when Caleb pauses chewing them out to listen and be sweet ❤ but then always brings it back to make them realize they’re being bad
Love listening to these during my work mornings 🎉
Massive props to Tony for coming on, really rooting for him, and thanks for the great videos Caleb, I like seeing people get out of trouble, you are helping a lot of people.
First thing I noticed this dude has a great speaking voice!
Me too, very pleasant.
I thought the same! Maybe he could make extra $$$ doing voiceovers or local commercials?
Love when Caleb goes “ ALRIGHT HERE WE GO!” you know he about to get you straight! I need a Caleb because I have no idea where to start examining my finances. It’s literally always on my mind.
That incredulous tone on "you're making money from only fans?" 😂
Really appreciate Tony sharing this ❤️ he seems so so lovely, I wish only the best for him! Xx