This is a problem I noticed with a lot of femdom/porn addicts. I honestly feel a lot of people's fetishes are destructive and there needs to be more research into getting rid of them.
After watching this show. I opened my bank statements and my monthly expenses. I wanted to cry, but I can't blame anyone except myself. I canceled some vacations I had planned in 2023, cable service, and subscriptions. Made a budget. No more eating out, dutch bros, starbucks, and amazon. Only necessity from now on. I'm ashamed of how bad my finances are right now.
@Yumi so far I write everything down that I spend. I got another job. So I'm hoping that by the end of the year. I'll pay alot of stuff off and have savings for a rainy day.
D, shame can be a great teacher. Don’t beat yourself up, but remember how it felt before and imagine of how it will feel after you have a stabilized your financial situation. Most people never even get to the step you’ve taken. I’m proud of you and you should be proud of yourself!
Never get emotionally attached to an addict’s recovery. They will let you down every time. I stay neutral with them and give them the resources, it’s up to them to get the help they need.
He is the prime example of situation avoidance. Even talking about stress situations it is a run around avoidance long answer to try to avoid taking responsibility
Reminds me of people in the show 'Bar Rescue.' These people are thrown a lifeline, something others in their situation would absolutely beg for, and they squander the opportunity.
Yep. In the first video I was curious if he was possibly undiagnosed ADHD. He mentioned executive function so that may or may not be it. Whatever the case, mental illness is clearly a major factor here and his finances are suffering because of it.
@@BachBeethovenBerg it's not motivation at this point. He's sabotaging himself because of his mental health issues . He doesn't how to deal with adversity and belittle himself in every occasion.
@@shaqthegr8884I don’t believe it’s mental health to be honest, I did at first but rewatching these episodes I’m now convinced he’s just ignorant, the statements that echo a reddit addiction is very clear “insurance is just a scam” when asked why he doesn’t have car insurance, it’s just a lack of personal responsibility and ignorance to what the real world is.
Random Idea: some twitch streamers have a heart rate tracker on the screen when they play scary games…. I kinda wanna see Caleb’s heart rate during the process of a financial audit 😂
When the channel blows up he needs to have a nurse on staff just checking his vitals right after someone mentions or jokes about a financial war crimes.
This dude is taking his entire life as a joke. I know he’s operating on his pain/depression which is so sad. I truly hope he can take your solid advice man come back strong 💪🏾.
OMG this mans communication style is f'ing impossible. If he worked for me I'd fire him just because he can't answer a single question in a normal way.
@@AA-il9pc I’m not from the US so maybe it’s different with a free market approach to wages, but wouldn’t unskilled but otherwise competent people returning to the workforce, like stay at home parents, work in jobs similar to his for I assume for the same wage?
@@AA-il9pc Bullshit, plenty of competent people work for $18. My factory started me at $16 and when the newest guy came in he started at $18.50... How much you make isn't a matter of articulation. Some of my coworkers talk like fucking high schoolers and have no work ethic and they made 5 to 6 dollars more than me on seniority until I got promoted. Hourly rate does not equal competence. An hourly rate is exactly that, what you're willing to accept as the value of your labor per hour. It's not indicative of anything else. At least not anymore.
After watching all 3 of his episodes in a row, I do not believe he should be on another follow up unless he commits to therapy for a year. It is disappointing and frustrating to see that there has been no change even with such incentive as paying the collections. I’m rooting for people like him but I do not think he can take his finance’s seriously until he takes himself seriously.
Well hearing that his mom has held a maxed out balance on a credit card for multiple months and doesn’t see that as irresponsible it becomes evident where this mentality comes from.
@@debbieframpton3857 Children either follow in their parents footsteps because that's all they know, or specifically choose to do the exact opposite because they found they disliked that lifestyle. It's more common to follow in the footsteps of parents though, which is actually why poor households with broken families often remain that way over generations. When you don't know how to create healthy relationships, or handle money properly, or even control desires, you just tend to end up in a bad place in life. It generally takes a lot of effort to get out of that rut once you're in it. It's more than just a few short talks to really change ones ideas and lifestyle. So you're right in a way that it is an excuse, but most choose to follow their parents teachings before making their own decisions a lot of the time because we naturally see our parents as good even if we cognitively know they have made a lot of bad choices. The fact that some end up becoming against religion while being raised in a religious household, or against alcohol when raised by alcoholics, are literal examples of the 2nd common outcome where the child strives to become different from their parents though. And this has both positive and negative applications, because successful people can have kids who decide to be the opposite of their parents and become druggie losers that end up in jail. They want to be different from their parents but don't understand the real cause/effect of everything, nor the struggles their parents went through to get to where they are.
This was easily the most depressing episode of Financial Audit.... My disappointment is immeasurable, and my day is ruined. I'm not religious, but I'm praying for this man.
Won't work if you're not religious...wouldn't work regardless I suppose. Plus you most likely did not actually prayed, you just typed that and went about your day.
First time I seriously thought Caleb was going to boot the guest out the door. You can do this, Joseph! You are worth getting this stress off your back...
He should have. Caleb's wasting his time on him. I worked emergency medicine for 4 years and dealt with addicts on a daily basis. He will not change unless he wants to. He won't get mental help, he won't change what's an immediate comfort for him and he wants to spin things his way. He's a lost cause. Only he can save himself from him now and it's very unlikely. His excuses say it all.
He really should have. I have zero hope for this guy. He is one of the most infuriating guests of all. The fact that Caleb continues to give him chances and help is beyond me. This is all a big joke to him. He literally came on the show to try and get Caleb to pay things off for him, and because he thinks his life is all this big game and that it's all a show about him. The little comments he kept making say soooo much about how self centered he is, and how he will never take responsibility for anything.
@@connorw2706 He's still relatively young and breathing, so he doesn't NEED to be a lost cause. He needs help unlocking the reasons why he's in a spiral of self-sabotage; he needs to have some courage to leap out of his comfort zones and develop some habits that will be much more beneficial to his life.
The last 6-7 minutes of this hit so hard, I can truly feel that he is so far from caring about anything and that is such a slippery slope. I hope he can find passion and hope for the future.
The most frustrating videos are not those where the guests have terrible finances and thousands in debt, but where they just won’t answer the question 😤
Caleb for this any other returning guests you should link their previous video(s) on the description. Would make it a whole lot easier instead of scrolling through thumbnails
Caleb, watching you has improved my husband and my financial situation! We started watching a month and a half ago and for the entire month of May we eliminated all stupid spending. We went from spending $900/month on food to $250 (for a family of 3). You're videos are very eye-opening and change lives for the better
I love watching these at work, especially when I'm getting tired. It gives me a motivational speed boost to pull through the work day and fight for my financial future. Thank you Caleb
@@4dchessplayer516 yeah? I have it on in the background. I have a very low key job and take lots of pride in it. I usually have a blue tooth earbud in, and crank down on the work while I'm listening
@@4dchessplayer516 Every job I've had encouraged us to listen to music while working. Obviously I'm gonna take the headphones off when talking to higher ups and the customers but when I'm just on my own having headphones in won't distract me from working. If it's distracting you or everyone has to repeat themselves so you can hear them then I understand not being allowed to wear earbuds.
@alexnewcomb7525 I used to have a radio-tv audio at my desk and turn One Live To Live on really low. It's true you can get the gist while still working.
He has no desire or drive to solve his issues. He keeps coming on because he likes talking to Caleb because Caleb has that disappointed but kind dad energy, like he needs a good male figure in his life and he doesn't know how else to get it 😢
Absolutely, couple that with a lifetime of poor diet and exercise and a lack of modelled responsibility from the mother and this dude was set up to fail from the start. He's an adult and should have fixed this for himself already, sure, but the building blocks for a healthy adulthood are all laid in the first few years of life. Diet and exercise play a massive part in depression and adults who grew up in a household where nutrition and healthy activity wasn't a main focus are so much more likely to be apathetic and background depressed from long-term nutrient deficiency and physical weakness. His plan is to work more but his idea is to do something that involves a lot of sitting. It won't help as much as you'd like. Regular exercise and nutrition, even just a 30 min brisk walk near some trees and a multivitamin, would help this dude so much more than an extra 10 hours of sitting on his ass in a car. He needs an attitude adjustment otherwise the extra money will just disappear in a cloud of smoke like the rest of it.
I grew up with a financially irresponsible mother. My father was ok with $ but never taught me anything (and had his mom to help clean up his messes when needed 😐). I never had that. I’ve been saving the last year, and I’ve done decent. But my checking was still paycheck to paycheck. But I’ve ignored my student loans and just been deferring for a while. But I’m starting to pay them off this month, INTENSELY! I DO NOT wanna die in debt! And I want to buy a home! It will happen! I’m speaking it into existence! 🤞🏽
Zeke is definitely the main villain of this arc... Joseph is the the main character's friend that he will have to decide to kill or allow to turn into the main villain of Arc two.
Caleb, I really enjoy the way you interact with your guests, especially this episode. It’s evident that your disappointment in him is rooted in genuine care. You called him out like a big brother accountability. What makes your channel so good is that your conversations are undergirded by emotional intelligence - you know when someone needs to be talked to sternly and when they need a more gentle approach.
the fact he was willing to pay his collections shows caleb is coming from a genuine place and wants him to succeed. but he can’t financially help someone who won’t try to help themselves first. tough to see.
His personality was likeable and endearing in the first two episodes, but in this one his incompetence and excuses for everything made it really hard not to get frustrated and stay hopeful.
I'm still rooting for this guy. He has such a bright spark, but it's being suffocated right now. I hope he finds purpose and direction and works his way out.
Me too! Being in that tough spot of working dead end jobs getting nowhere and having the same shitty grind to look forward to every day is enough to make anyone depressed enough to look for an escape.
This poor guy is in a slump. A lot of people get in slumps but few get out. Good on Caleb for encouraging him to go to therapy and stress how important it is.
@@CalebHammer You guys are in Texas, if he can hack it he should get a job on the rigs man. That Income would get him out of the hole he's dug. He wouldn't need to do it that long either.
Just wanted to say how cool it is seeing your channel grow, I remember you were trying to get to 50k subs for ages and now aiming for 250k!!! Go Caleb! Love your content
34:55 This is the big issue with a lot of people. They don't know what they want to do because they never got to experience different types of work to find something they like. I found what I want to do by accident. It wasn't what I studied, I just applied for the job based on having some similar, but not exact experience in the field. I then got the job, and now I realize how much I enjoy it. When you are young, don't be afraid to try out different types of work. You literally won't know what you enjoy until you start working in the field.
Caleb man, I’m so glad I stumbled into your channel.. I was in this man’s corner from episode one, and man it hurts me seeing him treat his finances and issues with jokes and laughs 😞 if he doesn’t understand a third time, all we can do is is remind him we hope well on his future 🙏🏼
I feel like I bring up Uber every video. I just did my taxes for 2022 and I owed about $1750 due to Uber across federal and state tax. That was on $33,000 of gross income. Self-employment tax is 30% of your profit on paper after the mileage deduction, and any bills that you can split across business and personal. That comes out to just over 5% tax. Depending on how fuel efficient his car is, I would probably put aside 10%. This year’s mileage deduction is 65.5 cents per mile and you drive a lot of miles for Uber. I pay for QuickBooks which is $160 a year, a business expense, and use that to put in my mileage every day I drive. I was able to write off $24,000 of income last year just in mileage.
I feel for the guy, I think what he needs is a personal goal of why he needs to fix his finances. Once you get the “Why” everything else will fall into place! You got this man! Keep ur head up!
I agree for a therapist from someone who has OCD tendencies which come out as overspending, over-shopping… therapy is a key part 💕 Hope he can pick it up and start it and stick with it
I feel like this man proves a good personality does not replace maturity or responsibility. It's a shame, but you cannot help someone who refuses to help themselves. It's ridiculous how little financial responsibility he is able to take. How he either just ignores the advice or decides not to follow it. Edit: Changes my mind. This guy's personality is just annoying.
His personality sucks. He has no self-esteem so he uses comedy to deflect all the blame off of himself. It's irritating to watch someone who has all the resources available to them to change when they clearly need to and want to, but they don't do what needs to be done. All he does is make excuses.
It’s honestly really sad to see that he couldn’t even bring real account statements to be 100% transparent. I’m sorry but it seems like you are wasting your time if he won’t be completely honest with you. His estimated costs may be complete BS making your plan irrelevant.
@@Ryan83728 I understand your point of view. From that perspective it’s just a massive missed opportunity and wasted time for Joseph. Just kinda sad 🤷🏼♂️
I love this show. I’m mad I didn’t start it before you! Too many people don’t know how to manage their money and I’m thrilled to see someone spreading good info. I would love to see episodes where you help high schoolers walk through financing college
Agreed! I'm actually surprised he's so reluctant to therapy still, he seems pretty aware of a lot of his issues...the depression, addictions, coping mechanisms etc. He has so much potential but really needs help 😔
@@meggggg He has some strange misconceptions/insecurities about mental health. Perhaps he thinks it's for weak people, or "insane inpatient stereotype" crazy people, or he's scared of having the label of "something deeply wrong with me to my core". Maybe he got convinced by other people that therapy isn't a real thing, or he got easily discouraged from his first attempts, which is understandable, but the sad reality is that you might take a day, or 50 years to find a therapist who can actually help you, so you gotta keep trying until you reach your breaking point. And maybe he's just feeling no interest in it because of the very condition he might have, or keeps forgetting, etc... I doubt his parents helped him much in figuring out the world. And he actually comes across as fairly unaware of all the behaviours he has that are linked to mental health, to me. He needs to understand that in his case therapy (including drug therapy) is the only thing that will help him, that there's nothing wrong with that, and that there's truly nothing besides therapy or a miracle that will get him out of those thoughts and utterly vicious behavioural patterns.
Honestly man 3rd time here, i cant watch this all i can say, Good luck. Homie needs to seriously buckle down and take care of himself. caleb you are the goat man as always
He was damn near insufferable this time. X.x I thought he was a nice dude who was ready to make changes last time. Now I'm positive that he's just about having excuses, saying what he thinks sounds good and doing the bare minimum. He won't get help, magically not a sex addict anymore, won't follow budgets, won't deal with the credit situation with his mom, can't be assed to try therapy, his only concept of a dream is making videos because he probably envisions it being him playing video games and making money from it, being as lazy as humanly possible. I don't like to be so negative or come down so hard, but that's how I feel after this one. He didn't care, isn't serious about it and just wants to take the laziest approach while making excuses why he's tired already. I hope to be wrong, but I'm doubtful
@@xylo5750 I hope whoever you choose to be with isn't someone that looks for excuses instead of solutions. He seems nice enough, but he lacks a certain attachment to reality that people our age should have. I'm not sure if he's mentally stunted, which isn't an insult, it happens, but he's got quite a fair bit of maturing to do. And I'm a free-spirited, live fast, die young, fear nothing type person. I'm not overly mature and do stupid stuff, but it's particularly glaring in this instance. What about him did you think you could really relate to?
@@erickn7985 which if it happened, ok, things happen. But if there are just excuses and he's been given help multiple times and not taken it, that makes it a bit more hard to understand.
@@Honey_Daddy He fits most of the bill for ADHD. People with severe untreated ADHD plus a few bad to a lot of bad experiences tend to behave like this, and it's not on purpose.
@@Dice-Z I can't speak to untreated adult ADHD, but my son has severe ADHD and while I get him treatment and medication and he's young, this feels super different to me than just ADHD. I could be wrong. We can't diagnose him, of course, and I'm not going to claim to be an expert just because my son has super severe ADHD. It just felt like he had very almost magical thinking. I wouldn't say delusions, I don't think it necessarily reaches that level, but anyone with an addiction knows it doesn't just go away. You either get treatment and stays in some form of recovery, or you weren't an addict at all and it was an excuse for doing things society wouldn't always agree with. I see lack of impulse control, and being lazy is everyone's problem these days, but it just reads to me like he's still very mentally young and hasn't encountered the harsh realities of how hard things can be in the world. That's my guess. It's those people who have never really suffered greatly, who haven't seen their world turned upside down, who haven't had to consider whether life is truly even worth continuing that stay firmly entrenched in their own Dreamlands where it'll all magically work out because everything in life has been as such. That's my opinion. It's purely speculation as well, and you could be right, I could be right, we could both be right, hard to say. I just hope he's able to grow up a bit and confront reality on reality's terms, for his own sake. He seems like a nice enough guy, but the leaps from reality are hard to ignore. Good input, by the way. I hadn't considered that until you mentioned it.
Caleb - watching video after video of yours! Just found you last week. LOVE what you’re doing and how you’re doing it! You are an incredible force of good! I salute you and really appreciate all you’re doing to help educate so many! I’m so old, that I learned long ago, that if we want anything, we need to sacrifice; take responsibility; be honest; be patient; be committed and realize that all aspects of my finances are 100% mine. As a result, I now live in my retirement years - happy, grateful and of course, debt free. Additionally I’m deeply grateful to have a sweet wife of 33 years who has always and continues to share these same values. Our life is quite simple (by our choice) in many ways, while also being equally rich and abundant. Being retired and not working is amazing! We each started getting jobs at 12 (part time) and then worked ever since then …at jobs, then in our careers, etc. Retirement is quite remarkable, to say the least. To all the young people who might read this - I implore you to pay attention to what Caleb says. I hope you will value your integrity and don’t put your self worth (and money) into what you think others want you to buy, have, etc. If you feel drawn to “more, more, more” …. Look deep and ask yourself what you’re trying to prove, to whom, and why. YOU and YOUR life are worth deep thoughts, patience, energy and healthy decisions - obviously including financial ones. All the best to you! And thanks again Caleb, for what you’re doing!
I owe the IRS about $70k in taxes from my Second year in business and not knowing anything, but how I handled it was by setting up a payment plan and actually addressing the problem. The IRS does not play!
Man, I'm still really rooting for him. He's not like other people who have been on the show, he understands (in principle) and really listens to Caleb. But he has really underlying discipline issues. I'm guessing related to his addiction problem(s). I can't wait for the next follow-up, Joseph, we're rooting for you!!
From the way he talks to him, he lacks a huge sense of confidence. I hope he receives the help, bc all his problems are the root of his inability to love himself. Mental health is needed for him. You can do it buddy!!!
I JUST rewatched his previous episode this morning wondering when he’ll be back since he needs lots of guidance and supervision. Probably more than you can offer Caleb but I’m Glad he has your support in some way
Im really grateful for this show and for Joseph. I recently graduated college in june, and went from making 15.50 an hour (min wage in CA) and only part time, to 40hr workweeks, 35.00$ an hour at a new job starting late june. Having only one other time in my life made this much money (and last time it was only for a 2ish months during a one time pandemic thing), I kind of was going wild with my spending, even though I had some debt. It's not "credit one" level bad, and I think within 2-3 paychecks I should have all of my high interest debt paid off (had about 5000$~ all together, down to about 3800ish?). I honestly could have made a much bigger dent, but much like Joseph I really didn't want to sacrifice much. I also have an assortment of mental issues but thanks to relentless throwing hands with my issues + therapy and meds ~they're manageable~. I wanted to go buy more shiny stuff, like upgrades for my PC and have some eating out fun, but this series in particular has kind of changed my mind(and maybe my life) for the moment. I'm taking a closer look at all my finances and trying to budget 50%needs+anything extra goes to debt / 30% Goes to payoff debt no matter what / 20%(maybe should make it even less idk) fun/PC upgrades/bs that I probably won't need but is hard to resist. Really, this episode made me go and look at how much I was actually losing to interest and I practically shit myself. I also have some student loans, but they're not horrific, and a car that's only 1.5k away from paid off but with low prepandemic interest. So thanks Joseph, you've already changed my life. It's really hard to make any changes sometimes, but sometimes it's just what needs to be done.
@@hopefletcher7420 all the high interest credit card debt is paid off but I still have a higher interest student loan and a small personal loan, but after that just some pretty low interest student students, so, we finna C 😅
caleb! i love these interview style videos, but could you please do some basics? like “What To Consider Before Taking a Student Loan” , “Car Loan Dos and Donts” “Smart Renting” etc??? just some basic guidelines. i have an associates degree and $20k in student debt, most of a bachelors. i dropped out and am working now. i can’t decide if i should take the hit and go back to school to finish, to hopefully make more long term and pay it off, or if i should pay down what’s already there, or just keep working or what!!!!! i need your advice hahaha but if you don’t have time to help us individually an overview video would be great. EDIT: just saw the stuff in your description about private 1 on 1s. maybe i’ll look into that. thanks for everything :)
The more I listen to Joseph, the more I'm reminded of my friends. People who lack financial discipline and end up in tons of debt with excuse after excuse for why they can't get out or better their situations. They'll complain about how hard life is but never take a step forward. They struggle with a myriad of mental illnesses, and so do I. I completely understand and empathize with ending up in situations and not knowing a clear way out. Or knowing the answer but being completely paralyzed by mental illness to do anything. I've got friends who are so convinced that their situation can't improve that trying is a futile response. I really really hope Joseph finds that wake up call sooner than later. I hope he's able to find friends who can keep him accountable and a mentor figure in his regular life. It hurt to hear that he doesn't have any sort of goals or dreams for his future. I hope he can sit down with a career coach or get some exposure to how many different jobs are out there. He needs a goal to work towards in addition to mental health help.
This show has put a lot of things into perspective for me personally and not just financially. Nobody will take responsibility for you or your actions except you.
I owed back taxes for a couple years and I had some interest, so he's definitely accruing interest. Fortunately I'm all caught up to date with taxes and never going to be late with them again. I learned the hard way, but at least I learned. 5 years of taxes owed is insane.
Are you sitting down? At one time I owed $144,000 in back taxes, penalties and interest after not filing my tax returns for 6 years. I made very good money as an independent contractor but all the income was 1099 based i.e. no taxes were taken out. Took me about 7 years to unbury myself from that pile of shit but I did it.
@@mackeejack6731 I was a contractor, but lost my job due to the company I was contracted by losing clients during the first few months of covid, some of which went out of business entirely. At the time I hadn't put enough aside anyways for the 2019 taxes due, but when the income completely stopped I couldn't pay them. I was using credit cards to support myself and move out of state to save money from living in the city of portland. I did get an extension at first and got a job after getting settled , but I was basically trying to play financial catch up. Fortunately, I didn't have late fees and interest for the full two+ years, but I got them paid off after the freeze on those fees ended. Now that I think about it I guess I was behind almost 3 years. Anyways it's all settled now and by the end I paid at least several hundred extra for the year of 2019's taxes.
Same, its not the end of the world but he needs to make a plan. There is a 72-month limit on payback time and they'll start demanding full payment or start to levy accounts. Scary shit.
When I first started working part time, someone gave me the advice not to withhold wages because I wouldn't earn more than $12,000. I did that in a state with a flat income tax. 3 years later, I got a bill for all the owed taxes plus interest. The original amount owed was like $130. Interest, penalty fees, and admin fees ballooned that to over $400. Very hard lesson learned. The government gets its money one way or another.
This guy has to learn to love himself, flaws and all. If he’s reading this or for anyone else, you are worth it and you are redeemable no matter what. That voice in your head bringing you down is a learned pattern. It takes time and patience but you can absolutely learn to replace that voice with love. Be patient with yourself and good things will follow
his mentality about being a cashier and comparing it to tech lay offs is so odd to me. stores will always need people to work there and are pretty essential even with self checkouts available. and a lot of people that actually hold down jobs for ages are your local grocery store workers that have stuck around for like 15+ years in the industry.
I think he is terminally online, you can tell by the meme jokes and stuff he says. So he sees the stuff on Reddit about tech layoffs and feels like it relates to him, yet in the real world ofc it doesn't.
Thank you Caleb for doing this! I’ve tried to watch other financial advice shows or podcast but your’s resonated a lot more. It has opened my eyes and had me look closer at what makes financial sense in my everyday life. Thanks to you I paid off my car loan in full prematurely as the interest rates where higher than the ones from my savings account or any investment at this point. It felt so good especially as I struggled last summer not knowing I was even able to get the loan on my car. Now I‘m building up my emergency fund and starting to invest.
I don't understand how being likeable excuses this blatant disregard for personal responsibility. I have seen this character trait allow poor performance to run rampant. I truly feel he's throwing Caleb's care and hard work right back in his face. I have fallen for people like this in the past, and in my experience they are only able to excel in disappointing those who help them. Sorry to be a negative Nelly but it's true. Even the mental health issue which is probably a contributor here...it's still his responsibility to seek help. I know so many who refuse mental help because then they can't use it for an excuse anymore...I'm not sure if that's the case here but it's really tough watching Caleb's concern falling on deaf ears....
My stepson is in a very similar situation. He is 20 years old with an excellent first “real” job making $45-50k/year…and he’s dead broke within a week of payday every time. He refuses to take advice from anyway, period. Most of the money goes to fast food 3-4x a week and his weight has ballooned. We’re terrified for him but he’s an adult and basically tells us to eff off.
I hope he’s telling his new car insurance he’s doing delivery driving, it bumps up the price but if you don’t get your car registered as a delivery driver your car insurance will totally deny your claim if it happened while working
I wouldn't tell them, if something happens while you're working, insurance doesn't need to know you were delivering when it happened. I delivered pizzas for years and they never knew what I did
Hi Caleb, I love the content! It's wicked motivational for me to continue working on my own personal finances, and financial planning for retirement etc! That being said, one huge suggestion is to either link to previous videos when you have return guests, or use the card that can appear on the video itself to assist in finding the videos! Since many of the videos are similarly titled without much detail it is hard to find the previous interviews (unless this is a tactic to get people to search through your channel, in which case carry on >:) )
@Doobs110 I've been binge-watching these financial audits for 3.5 weeks and it's radically altered my approach to my finances. I'm now halfway to saving for a £1000 emergency fund and will have 3 months of salary saved by the end of the year. I'm thrilled 🎉
Hey Caleb .. you’re a really good guy. I mean you def have several admirable and rare qualities, beyond unofficial financial advice. You deserve continued success❤
Watched all the episodes with this guy. Honestly he's come on alot. Remember the insane interest on that laptop?! Yeah, honestly I feel him working less on his main income job, and doing the gig work progressively more is going to be better for this guy, he's obviously got the option to work less days, as he has been doing that. And he says he aspires to work flexible when he feels the need or has the motivation. Definitely needs to work on his mental health. I wish him the best.
I still like this precious young man. I am married to a recovering addict: he's literally and addict of anything and everything. Listen to Mama Cherie: you've GOT to go to meetings! A therapist is one step, yes, because your mental health is definitely a factor of your addictive behavior, but it's the addiction that will end up killing you in the end. It doesn't matter that it's "just" a sex addiction. Active addiction only ends in 1 of 3 places: rehab, jail, or death. And not addressing your addictions with the people and programs that have literally helped millions and millions of men AND women is the same thing as finding out you have diabetes, knowing there's treatment, and not using it. Addiction is a disease, in and of itself, almost always born out of mental health issues and/or trauma. It's a coping mechanism that turns into its own disease, and there's no healthy coping mechanism to deal with--or distract you from--your addictions. You are a lovely young man with a bright future. You obviously have a very sweet heart, and you definitely love your mother (which is always the best quality a young man can have, in my opinion). You deserve to be happy and healthy, and you know exactly what its going to take to get there. I know there is a lot of shame involved with sex/porn addiction, and is still the most difficult thing for my husband to talk about openly. But, I promise you, you're NOT alone, and admitting you have a problem and NEED help with it doesn't make you a bad person. It's okay, my dear. You are still so loveable, I think we all just wish you would love yourself enough to take the help you need. Okay, I'll get off my soapbox. I hope I hear wonderful updates about you! I'm going through Caleb's Follow-up playlist chronologically, so I suppose I'll find out! PS...tell your mom I said hello, and that I think she was/is a great mom. She raised a very sweet and thoughtful boy! ❤
This person reminds me of my ex. Could never get a straight answer from her. She had the stupidest excuse/reason for everything. Everything other than personal accountability. Some people just really suck at adulting.
Got to say thanks for all your videos n all the people willing to go on and share their finances. Put things in perspective for me n kicked me into gear. Now I can say I'll be debt free by the end of the month and don't plan on going back into debt unless for a house/property.
I doubt Joseph is going to read this, but you should get checked out for ADHD. I've watched all 3 videos and have empathised with all the issues you have. My finances would probably be in identically dire straits if not for my husband who deals with all of our money and budgets for us. The executive disfunction, the communication style, masturbation/porn addiction, overindulgence in food, no follow through, the all-or-nothing thinking, poor impulse control, lack of attention to detail, untidiness, losing or forgetting stuff - these are all things I've struggled with my entire life. The only things that are (seemingly) missing from your description are tardiness and an alcohol/drug addiction. I got diagnosed last year at 29. Been on ritalin for the last 5months, never looked back. It's not magic, still takes self control but life is easier with it. There is hope for you yet, stay strong xx
I got diagnosed in my early 40's (inattentive type). I was one of those that actually thought ADHD was pure eye-rolly laziness/fakery/excuses. I trudged along in life, but once I got to the point when I had 2 young children (had them at a late age) in elementary and preschool, my life hella imploded. There was a perfect storm of way too many dishes to spin and I was self-medicating/alleviating the high stress levels with alcohol. I used to only drink recreationally, but my recycle bin started becoming ridiculous after awhile. 😬 You are right, medication is not a cure all, but it definitely helps. Several months into my meds I barely ever drank (Vyvanse, kinda slow release Adderall). However, to me, comprehensive treatment has to be in combination with talk therapy, some CBT, and implementing some core systems, with or without meds. Those who are newly diagnosed should realize it could also take some time for all of those modalities to sync up productively. I'm at the ~5 year point since diagnosis and have had 2 long periods without medication within that time. I am in the middle of one of those periods right now. Having that off and on experience has forced me to put hard attention on certain personal defecits and stressors and not default to consuming alcohol. However, I still have the problem of switching off and dropping a thing like a screaming hot potato even after much initial effort has been put into said thing. Over that period of time though I have figured out and made some life big changes that are just better for me. A big one was not working a 1st shift job if at all possible. Mornings have NEVER been my friend. I also have trouble sleeping as it is with this condition. I switched up to a combo of 2nd and 3rd shift work since last summer and that has worked out WAY, WAY better for me (an extra bonus are the shift differentials). Man, I have never been more on time in my life! It's like a miracle. 😄 Another realized adjustment is knowing my limits and not doing/committing to too much. Essentially being more selfish, meeting my needs 1st, and saying NO (thanks for asking though or that doesn't really work for me/my schedule/my budget *big smile* followed with a palpable stare, silence a/or walking away). It's liberating. I am itching to get back on meds as there are a couple of very important looming deadlines and goals on the horizon that I feel require the "focus and consistency assist". This is for a higher level pay job change that 2 people who do that job said I'd be good at and a tied-in personal finance ramp up. All that to say, to give yourself time to sort things out after the initial diagnosis (grief) and medication start period.
This is episode 3 with him on the show. He should be a regular... this is a trilogy. This should be a series... series finally Joseph is financially free. I'm cheering for him... please have an episode 4 coming soon. He's a really cool guy. Sad he's in this situation, but hoping he works out of this. Episode 4 coming soon🤞?
Maaaaan, I haven't even seen the previous episodes and I can FEEL Caleb's frustration. I feel it myself. This guy doesn't take any real responsibility. Everything is a joke, a quippy comment. "Made a bed of nails, may as well get comfortable." Noooooooooo... GET UP. I wish we could find something that could actually motivate Joe. Seems like a blast to hang out with at a party tho.
This guy sounds really depressed and doesn't realize it. He reminds me of my 53 year old cousin. No assets, no savings, debt, sporadic employment, always an excuse
Part of me feels like I'm really good with my finances, but the other part of me knows I'd get eaten alive on this channel... love the show, hope people pay attention to the things you say, even if 1 in 100000 people who watch this video learn something you are doing the world a service!
It's EXTREMELY rare to just "not be an addict anymore," you're forever an addict in 99.9% of cases. Just because you stop using doesn't make you not an addict anymore. You're still an addict because you can't use safely. That means you ought to secure help, treatment, a support system to maintain being clean. You never have to use again, but it doesn't happen by magic and you probably need to put in the work.
Joseph! We’re rooting for you man! I know it’s hard and you’re battling a lot of thing but the community is rooting for you! We all need extra help and I hope you find the things that work best for you and make you feel amazing, in control and proud of your accomplishments. You can succeed ❤
Guy's self-esteem is on the floor. He will never be able to respect his financial situation if he doesn't respect himself.
Very true
So true.. the way we feel about our selves definitely affect all of our decisions.
This is a problem I noticed with a lot of femdom/porn addicts. I honestly feel a lot of people's fetishes are destructive and there needs to be more research into getting rid of them.
I wish he would stop calling himself stupid, and I hope he finds mental health support.
@@doomdimensiondweller5627 tf
After watching this show. I opened my bank statements and my monthly expenses. I wanted to cry, but I can't blame anyone except myself. I canceled some vacations I had planned in 2023, cable service, and subscriptions. Made a budget. No more eating out, dutch bros, starbucks, and amazon. Only necessity from now on. I'm ashamed of how bad my finances are right now.
For even recognising that you’re in a better place than a lot of people, you’ll get there!!
That's awesome!! I did the same. It really opened my eyes.
@Yumi so far I write everything down that I spend. I got another job. So I'm hoping that by the end of the year. I'll pay alot of stuff off and have savings for a rainy day.
D, shame can be a great teacher. Don’t beat yourself up, but remember how it felt before and imagine of how it will feel after you have a stabilized your financial situation.
Most people never even get to the step you’ve taken. I’m proud of you and you should be proud of yourself!
@@1987dayz You got this! It will be hard but this year will fly by and you’ll be in such a better place ❤
Never get emotionally attached to an addict’s recovery. They will let you down every time. I stay neutral with them and give them the resources, it’s up to them to get the help they need.
What if the resource they need is meth?
@@Born-Bitter i think they mean resources like emotional support /help
Meth is nice
That’s some damn good advice!
@@samanthamonroe3826
Oh, that makes a lot more sense.
He is the prime example of situation avoidance. Even talking about stress situations it is a run around avoidance long answer to try to avoid taking responsibility
If anyone watched the first two episodes with him, you would understand Caleb’s frustration and disappointment so much more
Absolutely
I'm not sure my blood pressure could handle two more episodes of this guy 😑
@@Continuum7 they’re deeper in his channel, they’re both pretty bad (in terms of his situation) I was really rooting for him
Reminds me of people in the show 'Bar Rescue.' These people are thrown a lifeline, something others in their situation would absolutely beg for, and they squander the opportunity.
@@Continuum7bro your the man
This is one of the best examples of the money problems being a symptom and the not the "actual" problem.
Yes, here it's clearly mental health.
Yep. In the first video I was curious if he was possibly undiagnosed ADHD. He mentioned executive function so that may or may not be it. Whatever the case, mental illness is clearly a major factor here and his finances are suffering because of it.
He lacks motivation.
@@BachBeethovenBerg it's not motivation at this point.
He's sabotaging himself because of his mental health issues .
He doesn't how to deal with adversity and belittle himself in every occasion.
@@shaqthegr8884I don’t believe it’s mental health to be honest, I did at first but rewatching these episodes I’m now convinced he’s just ignorant, the statements that echo a reddit addiction is very clear “insurance is just a scam” when asked why he doesn’t have car insurance, it’s just a lack of personal responsibility and ignorance to what the real world is.
Random Idea: some twitch streamers have a heart rate tracker on the screen when they play scary games…. I kinda wanna see Caleb’s heart rate during the process of a financial audit 😂
YES. I think they both should have heart rate monitors on.
and blood pressure
When the channel blows up he needs to have a nurse on staff just checking his vitals right after someone mentions or jokes about a financial war crimes.
Great idea
It would have to go OVER 9000!!!
This dude is taking his entire life as a joke. I know he’s operating on his pain/depression which is so sad. I truly hope he can take your solid advice man come back strong 💪🏾.
OMG this mans communication style is f'ing impossible. If he worked for me I'd fire him just because he can't answer a single question in a normal way.
You get what you pay for in employees. Competent adults don’t work for $18/hr
@@AA-il9pc that's not true. you sound ignorant. some people are stupid no matter how much they make.
@@AA-il9pc I’m not from the US so maybe it’s different with a free market approach to wages, but wouldn’t unskilled but otherwise competent people returning to the workforce, like stay at home parents, work in jobs similar to his for I assume for the same wage?
He’s really annoying and irritating. I found myself triggered watching this. I don’t feel sorry for him at all.
@@AA-il9pc Bullshit, plenty of competent people work for $18. My factory started me at $16 and when the newest guy came in he started at $18.50...
How much you make isn't a matter of articulation. Some of my coworkers talk like fucking high schoolers and have no work ethic and they made 5 to 6 dollars more than me on seniority until I got promoted. Hourly rate does not equal competence. An hourly rate is exactly that, what you're willing to accept as the value of your labor per hour. It's not indicative of anything else. At least not anymore.
After watching all 3 of his episodes in a row, I do not believe he should be on another follow up unless he commits to therapy for a year. It is disappointing and frustrating to see that there has been no change even with such incentive as paying the collections. I’m rooting for people like him but I do not think he can take his finance’s seriously until he takes himself seriously.
I agree, he needs to be lifetime banned because he does not give a shit and neither should we at this point
I think he jus enjoys being on
It’s a good example though of what happens if you don’t put in the effort
When he said that his addiction was cured. I shook my head and thought “what a waste of time”
Well do I have some news for you...
Well hearing that his mom has held a maxed out balance on a credit card for multiple months and doesn’t see that as irresponsible it becomes evident where this mentality comes from.
That's an excuse my in-laws were big-time alcoholics but my husband chose not to follow that path same thing with debt
@@debbieframpton3857 It's not an excuse and your one example doesn't mean jack shit when it comes to a planet with billions of people.
@@debbieframpton3857 Children either follow in their parents footsteps because that's all they know, or specifically choose to do the exact opposite because they found they disliked that lifestyle. It's more common to follow in the footsteps of parents though, which is actually why poor households with broken families often remain that way over generations. When you don't know how to create healthy relationships, or handle money properly, or even control desires, you just tend to end up in a bad place in life. It generally takes a lot of effort to get out of that rut once you're in it. It's more than just a few short talks to really change ones ideas and lifestyle. So you're right in a way that it is an excuse, but most choose to follow their parents teachings before making their own decisions a lot of the time because we naturally see our parents as good even if we cognitively know they have made a lot of bad choices.
The fact that some end up becoming against religion while being raised in a religious household, or against alcohol when raised by alcoholics, are literal examples of the 2nd common outcome where the child strives to become different from their parents though. And this has both positive and negative applications, because successful people can have kids who decide to be the opposite of their parents and become druggie losers that end up in jail. They want to be different from their parents but don't understand the real cause/effect of everything, nor the struggles their parents went through to get to where they are.
@@debbieframpton3857 "women can't have babies because my wife can't have babies!!!" Genius.
When Caleb screams "no fuck you not once a week" I died laughing that's something I always say to discipline myself so I can reach my goals
It’s impossible to help people that don’t want to help themselves
This was easily the most depressing episode of Financial Audit....
My disappointment is immeasurable, and my day is ruined.
I'm not religious, but I'm praying for this man.
Dude I am religious and am praying for him. He needs all the help he can get.
Won't work if you're not religious...wouldn't work regardless I suppose. Plus you most likely did not actually prayed, you just typed that and went about your day.
@@strjourneys7919 We get it, you're an atheist.
@@50shadesofgday64 lol seriously 🤣🤣
@@strjourneys7919not necessarily you don’t clean yourself before getting in the shower.
First time I seriously thought Caleb was going to boot the guest out the door.
You can do this, Joseph! You are worth getting this stress off your back...
I was close tbh
He should have. Caleb's wasting his time on him. I worked emergency medicine for 4 years and dealt with addicts on a daily basis. He will not change unless he wants to. He won't get mental help, he won't change what's an immediate comfort for him and he wants to spin things his way. He's a lost cause. Only he can save himself from him now and it's very unlikely. His excuses say it all.
He really should have. I have zero hope for this guy. He is one of the most infuriating guests of all. The fact that Caleb continues to give him chances and help is beyond me. This is all a big joke to him. He literally came on the show to try and get Caleb to pay things off for him, and because he thinks his life is all this big game and that it's all a show about him. The little comments he kept making say soooo much about how self centered he is, and how he will never take responsibility for anything.
@@connorw2706 I literally felt Calebs frustration when he literally kept making excuse after excuse over terrible financial decisions
@@connorw2706 He's still relatively young and breathing, so he doesn't NEED to be a lost cause. He needs help unlocking the reasons why he's in a spiral of self-sabotage; he needs to have some courage to leap out of his comfort zones and develop some habits that will be much more beneficial to his life.
The last 6-7 minutes of this hit so hard, I can truly feel that he is so far from caring about anything and that is such a slippery slope. I hope he can find passion and hope for the future.
The most frustrating videos are not those where the guests have terrible finances and thousands in debt, but where they just won’t answer the question 😤
YES
He skirted even the most basic questions, it was infuriating.
@@Oliviaandtrina and making the worst, half-assed excuses
Caleb for this any other returning guests you should link their previous video(s) on the description. Would make it a whole lot easier instead of scrolling through thumbnails
Love these returning guests, takes a lot of guts to come on once let alone three times.
It would be great to have their episodes numbered tho!
Yeah. Numbered & linked in the description would be SO helpful!
Caleb, watching you has improved my husband and my financial situation! We started watching a month and a half ago and for the entire month of May we eliminated all stupid spending. We went from spending $900/month on food to $250 (for a family of 3). You're videos are very eye-opening and change lives for the better
Wow nice✅ has it been tough on a 250 budget?
This guy, he makes everything complicated on PURPOSE. That way he never has to deal with his issues. I hope he gets a therapist that is good for him
THIS! 10000%
I love watching these at work, especially when I'm getting tired. It gives me a motivational speed boost to pull through the work day and fight for my financial future. Thank you Caleb
Watching RUclips at work? are you really working?
@@4dchessplayer516 yeah? I have it on in the background. I have a very low key job and take lots of pride in it. I usually have a blue tooth earbud in, and crank down on the work while I'm listening
@@4dchessplayer516 Every job I've had encouraged us to listen to music while working. Obviously I'm gonna take the headphones off when talking to higher ups and the customers but when I'm just on my own having headphones in won't distract me from working. If it's distracting you or everyone has to repeat themselves so you can hear them then I understand not being allowed to wear earbuds.
Same here. I listen while I work and it's so motivating!
@alexnewcomb7525 I used to have a radio-tv audio at my desk and turn One Live To Live on really low. It's true you can get the gist while still working.
He has no desire or drive to solve his issues. He keeps coming on because he likes talking to Caleb because Caleb has that disappointed but kind dad energy, like he needs a good male figure in his life and he doesn't know how else to get it 😢
Dude needs to listen to Andrew Tate or something like that🤣💀💀
Therapy.
Thats bang on, Lack of a good male role model is evident.
Absolutely, couple that with a lifetime of poor diet and exercise and a lack of modelled responsibility from the mother and this dude was set up to fail from the start. He's an adult and should have fixed this for himself already, sure, but the building blocks for a healthy adulthood are all laid in the first few years of life. Diet and exercise play a massive part in depression and adults who grew up in a household where nutrition and healthy activity wasn't a main focus are so much more likely to be apathetic and background depressed from long-term nutrient deficiency and physical weakness. His plan is to work more but his idea is to do something that involves a lot of sitting. It won't help as much as you'd like. Regular exercise and nutrition, even just a 30 min brisk walk near some trees and a multivitamin, would help this dude so much more than an extra 10 hours of sitting on his ass in a car. He needs an attitude adjustment otherwise the extra money will just disappear in a cloud of smoke like the rest of it.
@@erickn7985no he doesn’t, nobody should.
It's difficult to watch somebody self sabotage their life like this. I hope he figures it out.
I feel such empathy for the depression he's going to face at 40 if he can't conquer the depression he has now.
It always gets worse
Stop being depressed. It’s that easy. Change something.
@@RenTheGreat it never stops getting worse.
@@elicash315real clinical depression doesn't work like that.
@@elicash315 Facts I feel like dude just needs to go to a strip club and smoke weed🤣💀💀
I grew up with a financially irresponsible mother. My father was ok with $ but never taught me anything (and had his mom to help clean up his messes when needed 😐). I never had that. I’ve been saving the last year, and I’ve done decent. But my checking was still paycheck to paycheck. But I’ve ignored my student loans and just been deferring for a while. But I’m starting to pay them off this month, INTENSELY! I DO NOT wanna die in debt! And I want to buy a home! It will happen! I’m speaking it into existence! 🤞🏽
Praying for you, you got this! I had parents who were not good with money too, it's really tough to learn on your own
finally, the main antagonist of financial audit has returned ✊🏻
Feel like this dude is our anti-hero, everyone want to root for him.
The 19 year old “streamer” is for sure the channel villain though lol
@@THEMATTHIAS225 the 19 year old streamer makes me seethe every time (in a constructive way)
Zeke is definitely the main villain of this arc... Joseph is the the main character's friend that he will have to decide to kill or allow to turn into the main villain of Arc two.
Should try to get his mom on the show...would be interesting to see how similarly they think and act on personal finance
Update: He mentioned it lmao
The psychology that drives him is hate for his mother
Caleb, I really enjoy the way you interact with your guests, especially this episode. It’s evident that your disappointment in him is rooted in genuine care. You called him out like a big brother accountability. What makes your channel so good is that your conversations are undergirded by emotional intelligence - you know when someone needs to be talked to sternly and when they need a more gentle approach.
the fact he was willing to pay his collections shows caleb is coming from a genuine place and wants him to succeed. but he can’t financially help someone who won’t try to help themselves first. tough to see.
@@kierstenbrowne I totally agree. That really struck a chord with me. It was a very kind offer.
Caleb is so sweet and vulnerable about his journey with therapy
His personality was likeable and endearing in the first two episodes, but in this one his incompetence and excuses for everything made it really hard not to get frustrated and stay hopeful.
I'm still rooting for this guy. He has such a bright spark, but it's being suffocated right now. I hope he finds purpose and direction and works his way out.
you so kind
Me too! Being in that tough spot of working dead end jobs getting nowhere and having the same shitty grind to look forward to every day is enough to make anyone depressed enough to look for an escape.
The segway from being a dissapointment into subscribing was incredible.
It’s “segue.” Segway” is an electric scooter.
This poor guy is in a slump. A lot of people get in slumps but few get out. Good on Caleb for encouraging him to go to therapy and stress how important it is.
Oh man, he’s back! Before watching, I hope he’s in a better position now. 🙏🏼
Narrator: He's not
Sorry to crush your hope
@@CalebHammer You guys are in Texas, if he can hack it he should get a job on the rigs man. That Income would get him out of the hole he's dug. He wouldn't need to do it that long either.
@@CalebHammer Damn lol.
Actually, maybe not a good idea for him to get too large an income with his financial habits.
Just wanted to say how cool it is seeing your channel grow, I remember you were trying to get to 50k subs for ages and now aiming for 250k!!! Go Caleb! Love your content
I was rooting for him! This episode was hard to watch because he didn't take Caleb's advice. I'm hopeful he seeks some help
Same.
In terms of entertainment value this channel has come a really long way. Epic job of keeping it interesting Caleb.
I was so happy to see him back!!! Now I'm so sad to know not much change and he doesn't take it seriously 😔
34:55 This is the big issue with a lot of people. They don't know what they want to do because they never got to experience different types of work to find something they like. I found what I want to do by accident. It wasn't what I studied, I just applied for the job based on having some similar, but not exact experience in the field. I then got the job, and now I realize how much I enjoy it. When you are young, don't be afraid to try out different types of work. You literally won't know what you enjoy until you start working in the field.
Caleb man, I’m so glad I stumbled into your channel.. I was in this man’s corner from episode one, and man it hurts me seeing him treat his finances and issues with jokes and laughs 😞 if he doesn’t understand a third time, all we can do is is remind him we hope well on his future 🙏🏼
I feel like I bring up Uber every video. I just did my taxes for 2022 and I owed about $1750 due to Uber across federal and state tax.
That was on $33,000 of gross income.
Self-employment tax is 30% of your profit on paper after the mileage deduction, and any bills that you can split across business and personal.
That comes out to just over 5% tax. Depending on how fuel efficient his car is, I would probably put aside 10%.
This year’s mileage deduction is 65.5 cents per mile and you drive a lot of miles for Uber.
I pay for QuickBooks which is $160 a year, a business expense, and use that to put in my mileage every day I drive. I was able to write off $24,000 of income last year just in mileage.
I feel for the guy, I think what he needs is a personal goal of why he needs to fix his finances. Once you get the “Why” everything else will fall into place! You got this man! Keep ur head up!
Definitely agree to this. Honestly is sad seeing all these mean comments.
@@Silverdoe11 agreed, this is his real life, he just needs a little bit of help… not mockery.
He has all the “Why” he just refuses to take any steps towards it.
When he passes on to the other side his head stone should say "He viewed himself as a donky"
I agree for a therapist from someone who has OCD tendencies which come out as overspending, over-shopping… therapy is a key part 💕 Hope he can pick it up and start it and stick with it
I feel like this man proves a good personality does not replace maturity or responsibility. It's a shame, but you cannot help someone who refuses to help themselves. It's ridiculous how little financial responsibility he is able to take. How he either just ignores the advice or decides not to follow it.
Edit:
Changes my mind. This guy's personality is just annoying.
His personality sucks. He has no self-esteem so he uses comedy to deflect all the blame off of himself. It's irritating to watch someone who has all the resources available to them to change when they clearly need to and want to, but they don't do what needs to be done. All he does is make excuses.
Positive demeanor =/= good personality. Dude is lazy and incompetent. Hopefully he improves his outlook on life and ends up in a better situation.
32, going on 14.
What "good personality"
It’s honestly really sad to see that he couldn’t even bring real account statements to be 100% transparent. I’m sorry but it seems like you are wasting your time if he won’t be completely honest with you. His estimated costs may be complete BS making your plan irrelevant.
It makes good content , you're missing the point
@@Ryan83728 I understand your point of view. From that perspective it’s just a massive missed opportunity and wasted time for Joseph. Just kinda sad 🤷🏼♂️
@@Ryan83728 we were all rooting him.
I love this show. I’m mad I didn’t start it before you! Too many people don’t know how to manage their money and I’m thrilled to see someone spreading good info. I would love to see episodes where you help high schoolers walk through financing college
His gluttony for punishment and evasion of responsibility is deeply rooted in his depression. I feel for him.
Agreed! I'm actually surprised he's so reluctant to therapy still, he seems pretty aware of a lot of his issues...the depression, addictions, coping mechanisms etc. He has so much potential but really needs help 😔
@@meggggg He has some strange misconceptions/insecurities about mental health. Perhaps he thinks it's for weak people, or "insane inpatient stereotype" crazy people, or he's scared of having the label of "something deeply wrong with me to my core". Maybe he got convinced by other people that therapy isn't a real thing, or he got easily discouraged from his first attempts, which is understandable, but the sad reality is that you might take a day, or 50 years to find a therapist who can actually help you, so you gotta keep trying until you reach your breaking point. And maybe he's just feeling no interest in it because of the very condition he might have, or keeps forgetting, etc... I doubt his parents helped him much in figuring out the world. And he actually comes across as fairly unaware of all the behaviours he has that are linked to mental health, to me. He needs to understand that in his case therapy (including drug therapy) is the only thing that will help him, that there's nothing wrong with that, and that there's truly nothing besides therapy or a miracle that will get him out of those thoughts and utterly vicious behavioural patterns.
Poor guy, I can tell how hopeless he feels. I hope he finds the motivation to turn this around.
If he isn’t going to take his finances and future seriously then neither should you Caleb.
Sometimes people do need someone to care when they are struggling to care for themselves. That’s what lights the way.
@@notabeautyguru6412 Yes, thank you, people are forgetting we are supposed to help eachothers in this shitshow of a world.
Honestly man 3rd time here, i cant watch this all i can say, Good luck. Homie needs to seriously buckle down and take care of himself. caleb you are the goat man as always
He was damn near insufferable this time. X.x I thought he was a nice dude who was ready to make changes last time. Now I'm positive that he's just about having excuses, saying what he thinks sounds good and doing the bare minimum. He won't get help, magically not a sex addict anymore, won't follow budgets, won't deal with the credit situation with his mom, can't be assed to try therapy, his only concept of a dream is making videos because he probably envisions it being him playing video games and making money from it, being as lazy as humanly possible. I don't like to be so negative or come down so hard, but that's how I feel after this one. He didn't care, isn't serious about it and just wants to take the laziest approach while making excuses why he's tired already. I hope to be wrong, but I'm doubtful
@@xylo5750 I hope whoever you choose to be with isn't someone that looks for excuses instead of solutions. He seems nice enough, but he lacks a certain attachment to reality that people our age should have. I'm not sure if he's mentally stunted, which isn't an insult, it happens, but he's got quite a fair bit of maturing to do. And I'm a free-spirited, live fast, die young, fear nothing type person. I'm not overly mature and do stupid stuff, but it's particularly glaring in this instance. What about him did you think you could really relate to?
Like he needs to change his lifestyle habits real quick, before he knows it he's going be 40 years old with nothing to show for it
@@erickn7985 which if it happened, ok, things happen. But if there are just excuses and he's been given help multiple times and not taken it, that makes it a bit more hard to understand.
@@Honey_Daddy He fits most of the bill for ADHD. People with severe untreated ADHD plus a few bad to a lot of bad experiences tend to behave like this, and it's not on purpose.
@@Dice-Z I can't speak to untreated adult ADHD, but my son has severe ADHD and while I get him treatment and medication and he's young, this feels super different to me than just ADHD. I could be wrong. We can't diagnose him, of course, and I'm not going to claim to be an expert just because my son has super severe ADHD. It just felt like he had very almost magical thinking. I wouldn't say delusions, I don't think it necessarily reaches that level, but anyone with an addiction knows it doesn't just go away. You either get treatment and stays in some form of recovery, or you weren't an addict at all and it was an excuse for doing things society wouldn't always agree with. I see lack of impulse control, and being lazy is everyone's problem these days, but it just reads to me like he's still very mentally young and hasn't encountered the harsh realities of how hard things can be in the world. That's my guess. It's those people who have never really suffered greatly, who haven't seen their world turned upside down, who haven't had to consider whether life is truly even worth continuing that stay firmly entrenched in their own Dreamlands where it'll all magically work out because everything in life has been as such. That's my opinion. It's purely speculation as well, and you could be right, I could be right, we could both be right, hard to say. I just hope he's able to grow up a bit and confront reality on reality's terms, for his own sake. He seems like a nice enough guy, but the leaps from reality are hard to ignore. Good input, by the way. I hadn't considered that until you mentioned it.
Caleb - watching video after video of yours! Just found you last week. LOVE what you’re doing and how you’re doing it!
You are an incredible force of good! I salute you and really appreciate all you’re doing to help educate so many! I’m so old, that I learned long ago, that if we want anything, we need to sacrifice; take responsibility; be honest; be patient; be committed and realize that all aspects of my finances are 100% mine.
As a result, I now live in my retirement years - happy, grateful and of course, debt free. Additionally I’m deeply grateful to have a sweet wife of 33 years who has always and continues to share these same values. Our life is quite simple (by our choice) in many ways, while also being equally rich and abundant. Being retired and not working is amazing! We each started getting jobs at 12 (part time) and then worked ever since then …at jobs, then in our careers, etc. Retirement is quite remarkable, to say the least.
To all the young people who might read this - I implore you to pay attention to what Caleb says. I hope you will value your integrity and don’t put your self worth (and money) into what you think others want you to buy, have, etc. If you feel drawn to “more, more, more” …. Look deep and ask yourself what you’re trying to prove, to whom, and why.
YOU and YOUR life are worth deep thoughts, patience, energy and healthy decisions - obviously including financial ones. All the best to you!
And thanks again Caleb, for what you’re doing!
I owe the IRS about $70k in taxes from my Second year in business and not knowing anything, but how I handled it was by setting up a payment plan and actually addressing the problem. The IRS does not play!
Man, I'm still really rooting for him. He's not like other people who have been on the show, he understands (in principle) and really listens to Caleb. But he has really underlying discipline issues. I'm guessing related to his addiction problem(s). I can't wait for the next follow-up, Joseph, we're rooting for you!!
From the way he talks to him, he lacks a huge sense of confidence. I hope he receives the help, bc all his problems are the root of his inability to love himself. Mental health is needed for him. You can do it buddy!!!
Was here when you were
This guy NEEDS therapy. Like not just for his addiction, but for his self esteem and general guidance.
A haircut, beard trim and a fresh outfit does a lot for a persons confidence. He desperately needs to start somewhere even if it’s that small.
I JUST rewatched his previous episode this morning wondering when he’ll be back since he needs lots of guidance and supervision. Probably more than you can offer Caleb but I’m
Glad he has your support in some way
Im really grateful for this show and for Joseph. I recently graduated college in june, and went from making 15.50 an hour (min wage in CA) and only part time, to 40hr workweeks, 35.00$ an hour at a new job starting late june. Having only one other time in my life made this much money (and last time it was only for a 2ish months during a one time pandemic thing), I kind of was going wild with my spending, even though I had some debt. It's not "credit one" level bad, and I think within 2-3 paychecks I should have all of my high interest debt paid off (had about 5000$~ all together, down to about 3800ish?). I honestly could have made a much bigger dent, but much like Joseph I really didn't want to sacrifice much. I also have an assortment of mental issues but thanks to relentless throwing hands with my issues + therapy and meds ~they're manageable~.
I wanted to go buy more shiny stuff, like upgrades for my PC and have some eating out fun, but this series in particular has kind of changed my mind(and maybe my life) for the moment. I'm taking a closer look at all my finances and trying to budget 50%needs+anything extra goes to debt / 30% Goes to payoff debt no matter what / 20%(maybe should make it even less idk) fun/PC upgrades/bs that I probably won't need but is hard to resist. Really, this episode made me go and look at how much I was actually losing to interest and I practically shit myself.
I also have some student loans, but they're not horrific, and a car that's only 1.5k away from paid off but with low prepandemic interest.
So thanks Joseph, you've already changed my life. It's really hard to make any changes sometimes, but sometimes it's just what needs to be done.
Sounds like you on your way to a happy and financially stable life. Good on you!
@@hopefletcher7420 all the high interest credit card debt is paid off but I still have a higher interest student loan and a small personal loan, but after that just some pretty low interest student students, so, we finna C 😅
Good for you! Keep going! You will feel such enormous freedom and pride! All the best!
caleb! i love these interview style videos, but could you please do some basics? like “What To Consider Before Taking a Student Loan” , “Car Loan Dos and Donts” “Smart Renting” etc??? just some basic guidelines.
i have an associates degree and $20k in student debt, most of a bachelors. i dropped out and am working now. i can’t decide if i should take the hit and go back to school to finish, to hopefully make more long term and pay it off, or if i should pay down what’s already there, or just keep working or what!!!!! i need your advice hahaha but if you don’t have time to help us individually an overview video would be great. EDIT: just saw the stuff in your description about private 1 on 1s. maybe i’ll look into that. thanks for everything :)
The more I listen to Joseph, the more I'm reminded of my friends. People who lack financial discipline and end up in tons of debt with excuse after excuse for why they can't get out or better their situations. They'll complain about how hard life is but never take a step forward. They struggle with a myriad of mental illnesses, and so do I. I completely understand and empathize with ending up in situations and not knowing a clear way out. Or knowing the answer but being completely paralyzed by mental illness to do anything. I've got friends who are so convinced that their situation can't improve that trying is a futile response.
I really really hope Joseph finds that wake up call sooner than later. I hope he's able to find friends who can keep him accountable and a mentor figure in his regular life. It hurt to hear that he doesn't have any sort of goals or dreams for his future. I hope he can sit down with a career coach or get some exposure to how many different jobs are out there. He needs a goal to work towards in addition to mental health help.
This guy doesn’t really want help, Caleb is wasting his time.
This show has put a lot of things into perspective for me personally and not just financially. Nobody will take responsibility for you or your actions except you.
I owed back taxes for a couple years and I had some interest, so he's definitely accruing interest. Fortunately I'm all caught up to date with taxes and never going to be late with them again. I learned the hard way, but at least I learned. 5 years of taxes owed is insane.
Are you sitting down? At one time I owed $144,000 in back taxes, penalties and interest after not filing my tax returns for 6 years. I made very good money as an independent contractor but all the income was 1099 based i.e. no taxes were taken out. Took me about 7 years to unbury myself from that pile of shit but I did it.
So you got the forms and never filed properly or did you get audited
@@mackeejack6731 I was a contractor, but lost my job due to the company I was contracted by losing clients during the first few months of covid, some of which went out of business entirely. At the time I hadn't put enough aside anyways for the 2019 taxes due, but when the income completely stopped I couldn't pay them. I was using credit cards to support myself and move out of state to save money from living in the city of portland. I did get an extension at first and got a job after getting settled , but I was basically trying to play financial catch up. Fortunately, I didn't have late fees and interest for the full two+ years, but I got them paid off after the freeze on those fees ended. Now that I think about it I guess I was behind almost 3 years. Anyways it's all settled now and by the end I paid at least several hundred extra for the year of 2019's taxes.
Same, its not the end of the world but he needs to make a plan. There is a 72-month limit on payback time and they'll start demanding full payment or start to levy accounts. Scary shit.
When I first started working part time, someone gave me the advice not to withhold wages because I wouldn't earn more than $12,000. I did that in a state with a flat income tax. 3 years later, I got a bill for all the owed taxes plus interest. The original amount owed was like $130. Interest, penalty fees, and admin fees ballooned that to over $400. Very hard lesson learned. The government gets its money one way or another.
This guy has to learn to love himself, flaws and all. If he’s reading this or for anyone else, you are worth it and you are redeemable no matter what. That voice in your head bringing you down is a learned pattern. It takes time and patience but you can absolutely learn to replace that voice with love. Be patient with yourself and good things will follow
Really was rooting for this guy but after 10 minutes of watching, I really just dont anymore.
his mentality about being a cashier and comparing it to tech lay offs is so odd to me. stores will always need people to work there and are pretty essential even with self checkouts available. and a lot of people that actually hold down jobs for ages are your local grocery store workers that have stuck around for like 15+ years in the industry.
I think he is terminally online, you can tell by the meme jokes and stuff he says. So he sees the stuff on Reddit about tech layoffs and feels like it relates to him, yet in the real world ofc it doesn't.
"Humiliation Fetish" Bro, please get help.
It's a joke.
He does and it's awkward to watch 😂
Thank you Caleb for doing this! I’ve tried to watch other financial advice shows or podcast but your’s resonated a lot more. It has opened my eyes and had me look closer at what makes financial sense in my everyday life.
Thanks to you I paid off my car loan in full prematurely as the interest rates where higher than the ones from my savings account or any investment at this point. It felt so good especially as I struggled last summer not knowing I was even able to get the loan on my car. Now I‘m building up my emergency fund and starting to invest.
His side gig income is being on financial audit once a month 😅
@@spf_500 Caleb has a subreddit and has posted recruiting ads for paid participants
God I love just putting this on while I work it's the perfect show to be able to listen to but also work at the same time
me today
I don't understand how being likeable excuses this blatant disregard for personal responsibility. I have seen this character trait allow poor performance to run rampant. I truly feel he's throwing Caleb's care and hard work right back in his face. I have fallen for people like this in the past, and in my experience they are only able to excel in disappointing those who help them. Sorry to be a negative Nelly but it's true. Even the mental health issue which is probably a contributor here...it's still his responsibility to seek help. I know so many who refuse mental help because then they can't use it for an excuse anymore...I'm not sure if that's the case here but it's really tough watching Caleb's concern falling on deaf ears....
My stepson is in a very similar situation. He is 20 years old with an excellent first “real” job making $45-50k/year…and he’s dead broke within a week of payday every time. He refuses to take advice from anyway, period. Most of the money goes to fast food 3-4x a week and his weight has ballooned. We’re terrified for him but he’s an adult and basically tells us to eff off.
as a 21 year old making far less and saving money with no family that’s frustrating to hear
I hope he’s telling his new car insurance he’s doing delivery driving, it bumps up the price but if you don’t get your car registered as a delivery driver your car insurance will totally deny your claim if it happened while working
I wouldn't tell them, if something happens while you're working, insurance doesn't need to know you were delivering when it happened. I delivered pizzas for years and they never knew what I did
Hi Caleb, I love the content! It's wicked motivational for me to continue working on my own personal finances, and financial planning for retirement etc! That being said, one huge suggestion is to either link to previous videos when you have return guests, or use the card that can appear on the video itself to assist in finding the videos! Since many of the videos are similarly titled without much detail it is hard to find the previous interviews (unless this is a tactic to get people to search through your channel, in which case carry on >:) )
@Doobs110 I've been binge-watching these financial audits for 3.5 weeks and it's radically altered my approach to my finances. I'm now halfway to saving for a £1000 emergency fund and will have 3 months of salary saved by the end of the year. I'm thrilled 🎉
Hey Caleb .. you’re a really good guy. I mean you def have several admirable and rare qualities, beyond unofficial financial advice. You deserve continued success❤
Watched all the episodes with this guy.
Honestly he's come on alot.
Remember the insane interest on that laptop?!
Yeah, honestly I feel him working less on his main income job, and doing the gig work progressively more is going to be better for this guy, he's obviously got the option to work less days, as he has been doing that.
And he says he aspires to work flexible when he feels the need or has the motivation.
Definitely needs to work on his mental health.
I wish him the best.
Oh no Caleb this is too sad. Usually these are fun and uplifting but this episode is just depressing. I really hope he gets help
I still like this precious young man. I am married to a recovering addict: he's literally and addict of anything and everything. Listen to Mama Cherie: you've GOT to go to meetings! A therapist is one step, yes, because your mental health is definitely a factor of your addictive behavior, but it's the addiction that will end up killing you in the end. It doesn't matter that it's "just" a sex addiction. Active addiction only ends in 1 of 3 places: rehab, jail, or death. And not addressing your addictions with the people and programs that have literally helped millions and millions of men AND women is the same thing as finding out you have diabetes, knowing there's treatment, and not using it. Addiction is a disease, in and of itself, almost always born out of mental health issues and/or trauma. It's a coping mechanism that turns into its own disease, and there's no healthy coping mechanism to deal with--or distract you from--your addictions.
You are a lovely young man with a bright future. You obviously have a very sweet heart, and you definitely love your mother (which is always the best quality a young man can have, in my opinion). You deserve to be happy and healthy, and you know exactly what its going to take to get there. I know there is a lot of shame involved with sex/porn addiction, and is still the most difficult thing for my husband to talk about openly. But, I promise you, you're NOT alone, and admitting you have a problem and NEED help with it doesn't make you a bad person. It's okay, my dear. You are still so loveable, I think we all just wish you would love yourself enough to take the help you need.
Okay, I'll get off my soapbox. I hope I hear wonderful updates about you! I'm going through Caleb's Follow-up playlist chronologically, so I suppose I'll find out!
PS...tell your mom I said hello, and that I think she was/is a great mom. She raised a very sweet and thoughtful boy! ❤
I just rewatched his first two audits yesterday afternoon, cannot wait to find out how he's doing 🤞🤞
Can you please send me the links of the previous episodes? I can’t find them. Thanks!
Buying a house and not having an emergency fund seem like the two opposite extremes of personal financial situation.
The fact that he says he's never had an interest in any field speaks volumes. This is a huge red flag for me and I hope he gets help
Caleb is INFINITELY more patient than I. I would've THROWN my computer at him after the 2nd never-ending runaround to not answer the question. 🙃😭
I’m not even there and I’m getting mad just watching it lol it’s like listening to a child! Caleb needs a metal
This person reminds me of my ex. Could never get a straight answer from her. She had the stupidest excuse/reason for everything. Everything other than personal accountability.
Some people just really suck at adulting.
That's what a woman is...a man but you remove all reason and accountability
@@superfark5914 wtf
@@notabeautyguru6412 Generic incel/redpilled "man".
@@superfark5914take your sexist bs elsewhere
@@superfark5914 Very funny saying that on a video with this guy in it lol
Caleb and team : Please Link Previous eps 🙏🏻, when a person has been on more than once. 💚
Got to say thanks for all your videos n all the people willing to go on and share their finances. Put things in perspective for me n kicked me into gear. Now I can say I'll be debt free by the end of the month and don't plan on going back into debt unless for a house/property.
I doubt Joseph is going to read this, but you should get checked out for ADHD. I've watched all 3 videos and have empathised with all the issues you have. My finances would probably be in identically dire straits if not for my husband who deals with all of our money and budgets for us. The executive disfunction, the communication style, masturbation/porn addiction, overindulgence in food, no follow through, the all-or-nothing thinking, poor impulse control, lack of attention to detail, untidiness, losing or forgetting stuff - these are all things I've struggled with my entire life. The only things that are (seemingly) missing from your description are tardiness and an alcohol/drug addiction.
I got diagnosed last year at 29. Been on ritalin for the last 5months, never looked back. It's not magic, still takes self control but life is easier with it. There is hope for you yet, stay strong xx
I got diagnosed in my early 40's (inattentive type). I was one of those that actually thought ADHD was pure eye-rolly laziness/fakery/excuses. I trudged along in life, but once I got to the point when I had 2 young children (had them at a late age) in elementary and preschool, my life hella imploded. There was a perfect storm of way too many dishes to spin and I was self-medicating/alleviating the high stress levels with alcohol. I used to only drink recreationally, but my recycle bin started becoming ridiculous after awhile. 😬
You are right, medication is not a cure all, but it definitely helps. Several months into my meds I barely ever drank (Vyvanse, kinda slow release Adderall). However, to me, comprehensive treatment has to be in combination with talk therapy, some CBT, and implementing some core systems, with or without meds. Those who are newly diagnosed should realize it could also take some time for all of those modalities to sync up productively.
I'm at the ~5 year point since diagnosis and have had 2 long periods without medication within that time. I am in the middle of one of those periods right now. Having that off and on experience has forced me to put hard attention on certain personal defecits and stressors and not default to consuming alcohol. However, I still have the problem of switching off and dropping a thing like a screaming hot potato even after much initial effort has been put into said thing.
Over that period of time though I have figured out and made some life big changes that are just better for me. A big one was not working a 1st shift job if at all possible. Mornings have NEVER been my friend. I also have trouble sleeping as it is with this condition. I switched up to a combo of 2nd and 3rd shift work since last summer and that has worked out WAY, WAY better for me (an extra bonus are the shift differentials). Man, I have never been more on time in my life! It's like a miracle. 😄
Another realized adjustment is knowing my limits and not doing/committing to too much. Essentially being more selfish, meeting my needs 1st, and saying NO (thanks for asking though or that doesn't really work for me/my schedule/my budget *big smile* followed with a palpable stare, silence a/or walking away). It's liberating.
I am itching to get back on meds as there are a couple of very important looming deadlines and goals on the horizon that I feel require the "focus and consistency assist". This is for a higher level pay job change that 2 people who do that job said I'd be good at and a tied-in personal finance ramp up.
All that to say, to give yourself time to sort things out after the initial diagnosis (grief) and medication start period.
I would give him credit for been so vulnerable about his addiction. Why is he so bloody confused.
Oh absolutely
This dude has no chance. He is aware of his issues and unwilling to get or listen to help.
I love that Caleb was vulnerable about his therapy & needing to go back!
This is episode 3 with him on the show. He should be a regular... this is a trilogy. This should be a series... series finally Joseph is financially free. I'm cheering for him... please have an episode 4 coming soon. He's a really cool guy. Sad he's in this situation, but hoping he works out of this. Episode 4 coming soon🤞?
Maaaaan, I haven't even seen the previous episodes and I can FEEL Caleb's frustration. I feel it myself. This guy doesn't take any real responsibility. Everything is a joke, a quippy comment. "Made a bed of nails, may as well get comfortable." Noooooooooo... GET UP. I wish we could find something that could actually motivate Joe. Seems like a blast to hang out with at a party tho.
This guy sounds really depressed and doesn't realize it. He reminds me of my 53 year old cousin. No assets, no savings, debt, sporadic employment, always an excuse
Part of me feels like I'm really good with my finances, but the other part of me knows I'd get eaten alive on this channel... love the show, hope people pay attention to the things you say, even if 1 in 100000 people who watch this video learn something you are doing the world a service!
It's EXTREMELY rare to just "not be an addict anymore," you're forever an addict in 99.9% of cases. Just because you stop using doesn't make you not an addict anymore. You're still an addict because you can't use safely. That means you ought to secure help, treatment, a support system to maintain being clean. You never have to use again, but it doesn't happen by magic and you probably need to put in the work.
Thank you for speaking so much about mental health.
Joseph! We’re rooting for you man! I know it’s hard and you’re battling a lot of thing but the community is rooting for you! We all need extra help and I hope you find the things that work best for you and make you feel amazing, in control and proud of your accomplishments. You can succeed ❤