This Millennial Has 9 MAXED OUT Credit Cards
Vložit
- čas přidán 22. 08. 2024
- Subscribe to Caleb Hammer: • 26 Year Old Has 9 MAXE... | 26 Year Old Has 9 MAXED OUT Credit Cards | Financial Audit | Enjoy! Add me on Instagram: GPStephan
GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC WHEN YOU MAKE A DEPOSIT - USE CODE GRAHAM: www.public.com/...
GET MY DAILY MARKET RESEARCH SUMMARY HERE: www.grahamsteph...
Graham Stephan Discord: / discord
The CZcams Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on CZcams, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estat... - $100 OFF WITH CODE GET100OFF
My ENTIRE Camera and Recording Equipment:
www.amazon.com...
FOR BUSINESS INQUIRIES: grahamstephanbusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
Watching these Graham and Caleb crossovers is like the adult version of the Jimmy x Timmy Power Hour on Nickelodeon 😆
:p
😂😂😂
I thought you were talking about the South Park characters. 🤣😂
True
@@TheGrahamStephanShow lol my two favorite finance CZcamsrs
Hope this spotlight helps Caleb hit 100k. He’s close and his content is so good. His editor has also made the content very polished.
Agreed!
@@TheGrahamStephanShow
Hope he’s hit 100k in 2024
Next step: Get Caleb on The Iced Coffee Hour podcast!
Yessss!
💯💯💯💯
I’m glad you found Caleb’s channel! Been watching him since his first video. Sometimes people need tough love and he’s able to give that to them .
Same ive been watching him before his first video
Same!! He deserves all the growth he is receiving. I always look forward to his uploads and appreciate the consistency in his efforts
His channel is awesome. I found him when he has around 20k subs. He’s great! I’ve seen all of his videos
I was at the hospital when Caleb was born.
@@Vub. I was there when his parents were making him so me too
When I was in high school we had an elective called “Business Math”. Basically taught us to do everything from check writing/balancing to loans/interest calculation. From filing taxes to budgeting income. Luckily I’ve always had an interest in finances and I really enjoyed the class. Really think we throw people to the wolves when we send people out at adult hood without this knowledge. Not saying this is or isn’t their fault but I think classes like that would make people more cautious with financial decisions
Wish there was a class like this in my high school
This should be required at every high school in order to graduate.
@@MSuss98 Agreed. Both my parents had worked for banks at some point of their life so they taught me all these skills. Without them I would have been clueless.
It’s not done on accident. They want you in debt.
@@MSuss98 it's required in some states. IDK if they actually follow through on that in other states but you can't graduate in VA without taking the class.
Absolutely LOVE these crossovers. Caleb's channel is a gem.
Awesome!
her face 😂😂 she’s like “i don’t wanna talk about this anymore”
finally someone who is real about door dash working and insta cart sometimes not worth it with gas prices and wear and tear on your car .
Caleb’s videos are so addictive. I’ve been binging for a few weeks.
When I first watched Caleb I thought wow he's harsh, however watching a handful of them I realised these people NEED the tough love. No one out there is getting across how severe their situation is. Caleb's videos have helped me get my finances together, though wish he'd interview some British people because everything is dollars and strange retirements/investments/taxes.
Coming from someone who used to work in the gig economy for food delivery/grocery delivery, what really helped me keep working a lot of hours was keeping track of my daily earnings and seeing how each day contributed towards my financial goals or hitting the income threshold I needed to get by. I started seeing daily income as a little game, and started trying to beat the previous “high score“
I’ve done the exact same! I track every dollar. I’ve made some serious financial progress by doing this and I love it
Imagine doing the same with an actual job. The bonus is health insurance and paying into your retirement, set hours, etc. Of course, this only applies if the job is going to pay more than Uber does. But you’re not making anything with rideshare with the current state of the economy. Too many costs to do business vs driving to a job and your car sitting there not being used.
@Kemet89 Yeah, but no gig workers are making enough to take advantage of what you’re talking about. Especially if they have bills. The gig economy is slowly eroding away. People who do it are barely breaking even. Now if it’s supplemental income or you’re in a situation where you don’t have expenses beyond gas and vehicle maintenance, then yeah it can be a positive. I think the time driving would be better spent job searching/acquiring a skill.
@@E-Nigma_ Well I did this while I was in ther gig economy while in college. It's how I paid for my bills. I work as a software engineer so I'm good now lol
In CA, I did make a decent amount working delivery tbh
@@mikeyserrano9748 How long ago was this? Things are different from a few years ago. The profit margins have eroded significantly. In college, all you have to worry about is breaking even, especially if you’ve taken out loans. In life, you need something more sustainable, that’s my only argument. Gig work is extremely exploitative. If you’re working software in California, you entirely understand the point I’m making. And since you once participated in the gig economy, you have even more experience with this understanding. I’m willing to bet you wouldn’t trade your current job for gig work. Night and day difference.
9:26 Dave Ramsey be like 🤦🏼♂️
Thanks for supporting smaller creators! Been watching Caleb since his first video and it's been my daily morning financial reality show ever since. 😅
LETS GO! Caleb is great, glad he's getting the recognition he deserves.
Been watching all Caleb's vids. Graham and I have too much in common . Thanks for being an inspiration graham
Glad you like them!
I love Caleb. He is so patience with some of these people who are clueless on finances. I thought I was bad but when I hear other peoples stories then I don’t feel so bad.
The bad news: her finances are a hot mess. She’s exactly the kind of “spender” that Dave is talking about to stay away from credit cards-she treats them like cash in her pocket. Good news: she’s still pretty young and can turn it around if she gets serious!
She’s not going to get serious anytime soon. Eating out all the time but too lazy to work. Moved to Austin with absolutely no money saved. Basically living the yolo lifestyle but not willing to put in any work for her future.
Eating out kills your finances...especially now😕
@@mmp495 Yeeep........3 meals will hit $100 EASILY and it's not sustainable. Best go to market and shop for the week!
I feel like so many just choose to live in ignorance and don’t want to sit down and figure out how much money is coming in versus going out. Living in avoidance is easier than dealing with it. And I’ve been there so I get it. But it’s still crazy.
This was great. I agree with you that Dave Ramsey would be great for that lady. I hope she manages to get this straightened out in one way or another.
Agreed!
In my early 20s bought stuff with credit card couldn’t afford.
During the pandemic I had focused on Need vs Wants. It was clear to me, so I bought what I can afford to pay off end of the month. The school system doesn’t teach financial independence because they want you to fail.
Only buying what you can afford with money that you have(credit is not money and you were an idiot for thinking otherwise) is common sense and something that really shouldn't need to be taught.
The correct way to diversify your portfolio, how a 401k works, risk management, and how to build credit are skills that need to be taught.
You have nobody to blame but yourself if you thought credit was the same as money.
Definitely need big savings if you're jumping to a new state without a job lined up. I moved from Nebraska to Kansas during covid lock down time with no job offered. Fortunately I had 9k in the savings, and I was working on getting my tanker endorsement for my cdl.
Some people get the attitude `hey, I'm already $50k in debt, what's another $10 Starbucks? `
You know, I didn’t go to college, but at 21, I have a really well built
Savings just from working. $50k in the savings, 20k in checkings, have a 401k started. Yea, did I miss the “college experience” but I’m much better setup for my future I feel. Helps that I don’t buy anything for myself unless I literally need it (phone is broke, clothes are ripped, ect) don’t go out to eat, keep my expenses low as possible
Wow! 👏🏽👏🏽 I am 28 years old and still working on that so congratulations ! I can only imagine how proud your parents must be
Congrats on the success
I would get you some clothes man. Wearing clothes with holes in them??? You are going too far with it lol
Have been absolutely addicted to Caleb's channel. He's blowing up and seriously deserves it!
i think the tough love is better for the guests he brings on from what ive seen because its mostly young adults that need accountability for their spending and are digging themselves a grave. love both yours and his content!!
This is basically me in a nutshell, I need to work on paying off my cards
I'm glad Caleb got a feature!. I did a financial audit months ago, still tackling debt but really got everything under control now.
Where did you go to do your financial audit?
This girl is the type that will spend the rest of her life in debt and keep increasing that debt. She will find loopholes to keep getting money either from credit cards or loans. I mean her mentality when she used her savings for Jack Harlow tickets like what!? You in debt and spent money on a useless thing.
I have been binging Caleb hammers videos ever since you reacted to the last one! 😅
Graham's video, fun. Caleb's video fun. Graham's reaction to Caleb's video, double the fun. I hope this series continues!
Graham, we need to see you on a financial audit episode with Caleb. Or have Caleb Hammer on an episode of The Iced Coffee Hour.
Just got to have the will power to get out of that debt. Many people be making good money but dont have the will to sacrifice something to stay ahead. Plus if your weak with all these marketing ads from all over the internet, tv, radio, billboards, or promos in retail stores that be hitting your emotions, your going to have a hard time saying to yourself no and fight that dopamine in shopping.
Love seeing these crossovers, Caleb has come a long way.
I'm just watching one of his videos right now on my TV whilst watching you on my laptop, and i'm so glad you're reacting to him! 😊
Hope you enjoyed it!
@@TheGrahamStephanShow I am, but it's scary how much debt US citizens get into 😯
@@danni6257 its cause a car is necessary in the us to survive while in other countries people use public transit
@@anustubhmishra No lol.
@@KurtisB ok then why does she need a car if she has so much debt
Now we need Caleb on the Iced Coffee Podcast.
After this week, I will have my credit cards paid off. Now just have a $289/mo car payment
Spot on food delivery drivers should aim for $1.75/mile and $25/hr minimum. IRS deduction is 65.5 cents per business mile this year PLUS you need to set aside ~20% of your gross earnings (what’s deposited) for taxes.
Happy to see Caleb's channel get the shine it deserves. Go Caleb!
Her situation is so sad bc she could easily get a food service job to work short term to pay off her credit cards. Work her but off hate her life for 2-3 months like Caleb said and fix her situation bc her balances if 500 and 700 are very attainable amounts for her to earn but she won’t. Also her car that costs 20k is wayyy to expensive for her income idk why she didn’t think about that.
SHE DOESNT CARE! LIVE RICH than worry later!!
Depending on the user, credit cards give a false sense of having money...dangerous! She needed to see this on paper. 💳💳💳💸💸💸💸
You should do interviews like this.
Keep this crossover videos up maybe a collab between you two in the future would be great!😊
MY MAN CALEB IS MAKING IT !!!!!!!! I’m so happy
Yay!!!!! I’m so happy you found Caleb!!! You two are my fav ❤❤❤❤
One red flag that many girls my age have, is that they love to spend money that they don’t have and it’s more common then you think the more you talk to girls.
I watch Caleb a lot and sometimes Graham. I was reading the comments and they mentioned Graham has watched Caleb and I ran over to come watch Graham’s reaction!!!! I’m glad the crossover is happening
It’s sad because people are doing this and getting in debt to fit in with peers or family etc. I had my own battle of financial war and still working on it myself. You either be disciplined or you cause financial ruin. I’m barely paying back my debts I’ve caused working on 9000$ as we speak and managing what I have open rn as best as I can. We all have to learn and it sucks many of us weren’t taught nothing about it so our learning ends up us being in it (for some). I’m just glad people are willing to give us a wake up call and help those who really want help and I hope everyone finds a solution and gets a better relationship with money. It’s not easy I know from my own experience. But we got this ❤🙏🏾
Caleb is great. Content is awesome.
Yess Caleb getting the recognition he deserves
This lady is oblivious to her daily spending. She needs to make a daily expense journal and write down every single thing she spends money on each day. After a couple of months, she can see where her money is going. Then she can make some changes that could benefit her.
Thank you !!!!!! These are really awesome and love to see your reaction. Cheers from Colombia amigo!
Glad you like them!
Yeah eating out has always been a big problem for me, I only been ordering out since my cars been in the shop. And I hate grocery delivery they always get it wrong, can't wait to get my car back so I can get back to grocery shopping and cooking
Nice! Actually stopped watching graham and have been binging Caleb's videos 💯
Just started watching Caleb two weeks ago, he’s growing fast!
Awesome!
Road to 100k!
Caleb getting that success he deserves
I KNOW who Dave Ramsey is 🤣🤣🤣🤣🤣🤣🤣🤣
I do blame society as a whole for the lack of financial literacy… it took me to go thru bankruptcy to really learn how to use a credit cards the correct way as well as the perks and protection that it provides…
these are gold, finally something good again to watch.
If you could invite him on your podcast, will watch!
Dude how amazing that you’re reacting to Caleb’s video?!
he started right when i pressed like
perfectly on time
You should watch his "Leeching off of his mom to fund his lazy lifestyle visit" video. It's a wild ride and there is a follow up with the same person.
Why does she look so happy about this? it’s pretty aggravating lol
feel a lot more better with myself.
My ex was 30 with $180k of debt and I have no idea how financial institutions kept giving him credit cards.
Why not? If they paid off the minimum every time then the companies know they have a lifetime sucker.
@@c.johnson1789 no, he's in bankruptcy now. He wasn't paying any of it off. He'd max out a card, not make payments, go into collections, and then go to a new financial institution and get a new credit card.
Damn
When she mentioned Jack Harlow tickets, I was like "welp!" 🏃🏾♂️
Best of luck to her.
She does not wanna change!
I was stupid and bought way more car than i should have. I’m planning on following dave ramsey’s advice and moving to a city nearby that is more pedestrian and transit friendly so that i can sell it and stop being car dependent
Ohhhhh snap!!! The crossover has happened!!!
I moved to two different states with nothing lined up 🤣 First time I was on my last couple dollars before i got a job.. same day I got a speeding ticket right before I got that job. Second time, I was more prepared.
Ayy. Been an early fan of caleb. Glad hes getting recognition he deserves! fantastic channel.
Please do a collab with Caleb!
If you’re gonna doordash, you have to work the right days or you won’t make enough
Credit card companies LIVE for people like this.......she shouldn't have them and needs to be introduced to Dave Ramsey. 🤣
i LOVE graham's videos where he hears a person's entire finances and gives his thoughts. it's so helpful to see him go through the entire process to analyze my own finances!
I like watching videos like this to see ppl make worse financial decisions than me lol. I hope she gets it together tho. I’m on my way as well.
good luck!
Aren't we all!
@@TheGrahamStephanShow thank you Graham!
After finding Caleb’s channel from here I’ve watched a ton of his videos. They are great!
Caleb has officially made it!
Now to patiently wait for the collab !
Unfortunately, I have nine credit cards that are maxed out and just about going into collections about $27,000. I’m about to have to file for bankruptcy.
Nine maxed out credit cards??!! that’s almost as bad as one medical bill!
Probably one of the best financial decisions I’ve made besides paying off debt quickly is not going to the hospital. I made that mistake once and paid for it.
Congrats on getting featured Caleb, this is a great channel to be showcased on!
I had a side job delivering pizzas for Domino’s. It was doing really good with money in tips but once gas started go up and I had a big repair on my car, I decided to quit that job but at least I got some cash savings on me. Sidenote, that was a part-time job. I’m still work my full-time job.
I’m so happy you are reacting to him! I have been obsessed with his videos!!
the girl seems pretty uninterested in improving anything in her life. She appears pretty lazy...Im sure once you give it a little time she will be yet another one blaming this and that and everything around her for the position she is in. I can't feel any sympathy for people like this. They get what they deserve.
You can dole out all the stellar advice but someone has to be open and willing to do it. She seems stuck and not at all invested in changing. She's getting by on credit cards and hasn't had the reality of being at rock bottom yet. She's still young and there is hope.
Have you ever considered interviewing people and reviewing their financial situation, then giving input? Could be a fun kind of content.
Caleb is the man love these
Omg. Graham always reacts to my favorite youtubers
First time ever commenting on your channel to say I'm so pumped to see you two crossing over. Been binging Caleb's audit's lately.
Ultimate crossover
Please do more of Caleb’s videos!! I love this!!!
Caleb is awesome! He has a maturity far beyond his years.
If I was dating her, I would absolutely disqualify her as a serious partner/marriage potential. It wouldn’t be fair to the other partner to have to deal with that burden. Also, it shows a lack of self-discipline and financial maturity. So many red flags, whether the person were man or woman.
🎯
RIP to their credit score
:/
I knew it was only a matter of days before you started watching this dude's channel.
How did she get a car loan on no income lol
NINJA Loan?
Hammer Time 💳🔨
Really shows how personal finance is more emotional than logical
Multiple maxed out credit cards and and an expensive car loan...sounds like my ex wife.
Omfg caleb has been BLOWING UP RECENTLY 🔥🔥
Bring Caleb on the ice coffe podcast would love to hear you guys talk