@@arh1234 I was about to say I see how this is basically close to "free video content ideas" but then again I would probably never have seen Calebs channel if it wasn't for Grahams. And pretty sure if he ONLY would react to his videos, people would get bored of them lol. I do like thou the short sum up cause I don't always feel like watching the full episodes on Calebs page when most of them are just clearly financially irresponsible people and I can't learn much from those lol
My ex was a financial advisor and he told me the WORST people he ever dealt with were doctors and lawyers. He said they had the most terrible money habits.
This woman stressed me out, I have NEVER made anything close to her monthly pay and I have more in savings, and she had $300. I don't understand how reckless people can be lmao
She is in a bubble - it is crazy how little education she required to be a doctor - I am impressed! Where would the economy be, though, without the spendy doctors and lawyers propping up the service industry/?
@@imcoolchristian not sure if software engineers count but I am one and work with hundreds of them. a lot of them order delivery a lot (I used to) but i don't think anyone i know is bankrupting themselves with silly spending. personally i love watching these videos and saving money, although especially during stressful times i do retreat into over-ordering delivery. i guess that's a common experience for our age group. but most i ever spent in a month on delivery was $800 (I looked back and counted). its too much but i still saved over 50% of my post-tax income that month due to not really having any other splurges.
My cousin's husband is an attorney and the level of financial error and waste is staggering. Fortunately his salary is so huge they can make those errors without jeopardizing their family's material well-being.
Ironically people with less money are usually much better with money. When you have to budget a lifestyle based around 30k a year or less, you become a financial wizard out of necessity.
This is far from accurate to be pushed as any "truth", there are no shortage of below income folks claiming "they make it work" and then get destroyed by math on that being a lie..
It is not at all ironic though. We've just bought the false narrative that poverty exists because of individual failures rather than address the systemic issues that cause them to be poor in the first place.
This is a classic case of “Doc-itis”. Because doctors delay gratification and spending for so long, once they get their first big paychecks, they have this huge, cathartic release in purchasing.
I'm the other way around. I'm a doctor and I was was poor for so long before finishin my residency and raising a family during med school that I never developed a habit of spending. I still drive the $700 dollar Nissan Micra I bought as an intern for my commute. My only monetary vice is a family trip abroad every year, to visit my wife's parents in their country. I live in Europe by the way where salaries are much lower than in the USA and only make about $62.000 after tax per year.
I also had a Indian coworker before who was making 180k household income a year and was always with anxiety coz of credit card payment. She found out I was debt-free, she asked for my advice. Found out she was having every weekend party with her Indian society. I was like, if you wanna be debt-free you have to make some sacrifices. She got mad at me. Lmao
I loved the one where Caleb's talking to a water heater? salesman and one minute in he goes 'you sell water heaters? to real people? people don't like you. *I* don't like you.'
She is just living so dangerously. Heaven forbid she lose that job or some terrible life event comes up. She’d drown in that debt and have nothing to fall back on 😅 yikes.
@@AC-qo8oqThat line of reasoning is exactly why shes IN DEBT. I will be okay because of my education -> therefore its okay I go into debt -> my debts building but ill still buy things because of my education -> etc..
There’s an old Canadian show called “till debt so us part”. It would be so cool if Caleb did a show similar to that but all in one video where we see an update from start to finish
Every time i hear a case like this it baffles me how people just burn away their money like this. Every time i see credit card debt i feel a guillotine hanging over me without knowing when it's going to come down. I pay that off so fast it's not even funny.
Saaaamme. I pay off my cards multiple times per month, so I’ve never missed a payment or accrued interest, but still logging on and seeing that $800 balance always gives me trace amounts of panic
@Kijestic Productions Sure but I think it's also about making him learn to take responsibility over his finanes as well. So sure helping him sounds fair but it doesn't sound wrong to ask him to at least get some small side hussle to contribute to his own costs.
@Kijestic Productions She shouldn't even be spending anything on him, she is not his mother. You sound ungrateful. Do you also gaslight your sisters to work and support you?
this is referencing to a hypothetical and the original author of this comment did not suggest it’s her responsibility to take care of her brother. it is the simple mathematical fact this common sense lacking physician doesn’t sit down and add hypothetically the imperative need of paying off things maybe within a far more relative time frame than the dude gave her IN ADDITION TO PURCHASING A HOME ASAP… Which i find FAR more important considering she pays the dumbass 3500/Rent… Her other habits that she fully controls is the problem, even if she gave her brother 2000/month on a personal loan and expectation of repayment she mathematically has the capability to do so.
What's sad and concerning, is that this information is not taught in most schools. I think it would be awesome if financial literacy courses were absolutely required before you could graduate from high school and university. In my 20's, I was a complete dodo bird about finances. I was making an adequate living, but spending every penny (and much more). Thank goodness, I finally wised up and got my act together. Today, there are so many ways to learn how to become financially literate. People just need to educate themselves and have a bit of restraint.
Graham, can you do these kind of videos but with people who are actually good at spending their money? It would be pretty interesting to see how we can save some money or learn some new tricks financially.
Mind Blowing how someone can make that much money and not have anything saved. Even after her rent and necessary payments, she still should be doing very well.
Sometimes i look at people making $300,000 a year and i think, "how are they different than me? Are they really THAT much smarter than me or THAT much more hard working?" I make not even close to a third of that and I'd like to think I'm a reasonably intelligent person. Don't be jealous Chad, don't be jealous.
Honestly most people with high paying jobs like that lucked into them one way or another. Either being lucky enough to know someone who can get them hired, or lucky enough to be able to go to school and get that piece of paper that will get them hired regardless of intelligence. Some of the most brilliant people I've ever met were poor.
Her attitude about finances would concern me if I was a patient of hers. I guess she could be a great doc but lousy with her own personal finances. Still, I wouldn't be broadcasting that on the internet though.
The pre med requirements provide a foundation necessary for understanding medical school at the rate and level it’s taught. It also filters out a ton of people from the already insanely competitive (and outrageously expensive) medical school application process. I don’t agree that we should get rid of the undergrad requirements before medical school. Students need to prove they are academically capable at a high level. A lot of med schools don’t allow you to work during coursework (many have a contract you have to sign and you can lose your spot if you are employed) so unless you have an affluent family, they back you into a corner so you have to take loans for cost of living.. we have such a stupid system here. But the lifestyle inflation after students become residents, fellows and then attendings, leaves them in more debt bc of living above their means. That’s definitely true. As medical students, we literally get zero counseling on how to handle hundreds of thousands of dollars in loans, which is unfair.
Actually also, most doctor-education type programs require that you do not work during the schooling (effectively requiring you to live on either loans or someone else’s income as dependent)
@@user-nq4wp7ui5g my comment had two aspects to it: a petty remark on your lacking grammar and a compliment in form of an aknowlegment of your achievement. You CHOSE to focus on the former.
@NowioART I think this is a classic example of someone gaslighting. You didn't have to make a remark on my comment, at all. Let alone that I accidentally place a E where an A should go. Totally unnecessary. Thanks.
@@user-nq4wp7ui5g Ah yes, the current culture teaches to laser-focus on negatives, no matter how small… while foregoing anything positive, no matter how big… to then assume oneself as victim and blame the other as gaslighter. And we wonder why the cases of depression and mental instability rose not by a percentage but by a factor.
I agree. There is zero incentive for her to change. She came off as yeah whatever... In five years, I'd be shocked if she cleaned up her act. We are all creatures of habit including me! I thought this was an episode of tough love! Thank you!!!! I needed that reality check!!
Caleb hammer will take you tube by storm I watch every video when it releases and the best part, I listen on the way to work makes my morning much happier 😊
Gotta love how graham criticizes Caleb for having "victims" when his entire show is focused around building a plan and strategy for these people to recover while also trying to dig in and fix the mentality that leads them to financial ruin. Meanwhile graham just heckles the people while watching Caleb...
300k and still struggling is the definition of bad management, but they dont teach this stuff in public school , idk about private etc the system is set up to make ppl work in debt
It’s not about the generation you belong to. It’s your upbringing to begin with. Which will shape your character, and your attitude towards money and the hierarchy of your priorities. Then, it’s the kind of people you surround yourself with, and the kind of people you listen to.
Hey Graham. Can you compare the recommendations of Robert Kiyosaki and Dave Ramsey about money? Cause both are so rich. Basically one says “keep away from the debt” and the other one says “use the debt as leverage” 😅
If she potentially sees just one more patient a month from the time she saves (as she claimed time is money), I don’t think getting morning coffee is that big deal.
I feel like the time waiting in line, paying, waiting for it to be made, + the extra drive to the shop is a lot more time than just making it at home. I make pour over coffee and do it while I’m getting ready in the morning.
Unpopular opinion on GS’s page but coffee rarely does. I don’t think it’s a time saver (the one I used to hit up had a long line). It’s a treat. I’m personally tired of people acting like it’s a big deal (it’s $10 to someone making six figures, people will/should enjoy themselves sometimes).
Alot of healthcare workers lives in a financial bubble regardless of a 6 figure income. A lot of my colleagues are drowning in debt, with little to none in savings or retirement accounts and their only focus is starbucks, dinning out and vacations. it really doesn't matter how much you make, is how much you can keep. Too focus on following the crowd will leave you broke and paycheck to paycheck. We need more financial literate teaching people.
The car lease ... I just bought a car with cash. If I save up for two years with the money I don't pay for a lease, I can buy another, and I don't make half of what she makes. Typically, I drive a car until getting an oil change is considered totaling it.
@graham Stephan, there are a few programs for a 7 year undergrad/medical school straight out of high school, but they are super competitive and require a near perfect SAT and above 4.0 GPA. I do think there needs to be more like this, it avoids spending thousands of dollars on entrance exams as well
I mean this respectfully, but you should create your own content and not just your re-post and re comment Caleb Hammer. He works hard to create endless original content.
Personally, I’d like to see some videos that are the opposite of this. Interviewing people that are good or at least passable with their money to see what works for different people. The ole “ugh, what an awful portfolio!” thing is starting to get a lil old to me haha
She did attend an accredited school, just in another country. After getting a foreign medical degree in Pakistan, she took the same US board exams medical students here take. Then completed a residency program and fellowship in the US.
I have a sister in law who became a doctor in Mexico, yet she could barely put a written sentence together. It's not fair medical students in the United States pay hundreds of thousands, yet a student in 3rd world countries pay often nothing. Foreign schools are not accredited in the United States
It was a drywall anchor. It literally anchors into the wall so there is a solid surface for you to screw into. Drywall is normal too soft to bite into.
16:01 you’re right. She’s not gonna be accountable to herself. It would be far more beneficial if he called her regularly to check up on her and her finances, at least once a month if not a lot more often.
I think most of these people either go to him hoping for a magic solution to get out of debt without changing anything or go with the thought of being seen as a genius but get a ride awakening
The issue with these types of videos is that Caleb has to give advice in reality. Graham deals in hypotheticals and "what he would do instead." Caleb absolutely gives people the correct advice. These people need to get out of a hole. So holding onto a car payment for write off reasons is not an option for her. She makes 300k a year wtf does she need a car tax write off for.
Doctor are a weird type of self-employed. They charge the country for the services they provide. It is not a hourly job, it's per service. If it's like wear I am she can deduct her car and gaz for the deplacement to the hospital.
How do you make 300k and after tax and whatever else have a little over 200k and be broke? She needs to get a financial advisor or someone to help check to check
General courses in college are a total waste of time and money . They should give people classes in economics , money management and basic accounting instead.
I don’t get how buying coffee would save time. I do delivery, and most of the time during shift changes, the lines are long. I could spend 15 minutes in a drive-thru waiting to pick up an order. She could start a coffee maker as soon as she’s up-or buy one that is pre-programmed to start at a certain time-go pick out her clothes and take a shower, and bam, coffee is ready. Instead she gets ready and leaves and then sits in a drive thru to “save time”? I call bull.
It’s funny seeing that CZcamsr call you out for clickbait thumbnails an she says adding fire to the thumbnail gets even more clicks an seeing yours with fire lol
Caleb has just gifted graham with essentially unlimited content for free
derivative
@@xKeville you’re derivative
Gottem
And Caleb's channel exploded in subs after the first reacy by Graham. It's muutually beneficial!
@@arh1234 I was about to say I see how this is basically close to "free video content ideas" but then again I would probably never have seen Calebs channel if it wasn't for Grahams. And pretty sure if he ONLY would react to his videos, people would get bored of them lol.
I do like thou the short sum up cause I don't always feel like watching the full episodes on Calebs page when most of them are just clearly financially irresponsible people and I can't learn much from those lol
My ex was a financial advisor and he told me the WORST people he ever dealt with were doctors and lawyers. He said they had the most terrible money habits.
This woman stressed me out, I have NEVER made anything close to her monthly pay and I have more in savings, and she had $300. I don't understand how reckless people can be lmao
Thoughts about engineers?
She is in a bubble - it is crazy how little education she required to be a doctor - I am impressed! Where would the economy be, though, without the spendy doctors and lawyers propping up the service industry/?
@@imcoolchristian not sure if software engineers count but I am one and work with hundreds of them. a lot of them order delivery a lot (I used to) but i don't think anyone i know is bankrupting themselves with silly spending. personally i love watching these videos and saving money, although especially during stressful times i do retreat into over-ordering delivery. i guess that's a common experience for our age group. but most i ever spent in a month on delivery was $800 (I looked back and counted). its too much but i still saved over 50% of my post-tax income that month due to not really having any other splurges.
My cousin's husband is an attorney and the level of financial error and waste is staggering. Fortunately his salary is so huge they can make those errors without jeopardizing their family's material well-being.
I love the Caleb Hammer show!
Edit: that $20,000 isn’t her full buyout, it’s just whats left on her lease actually 😫😫 the buyout is closer to $50,000!
Hey Caleb I live in Austin and want to be in your show so you can roast my 15 per hour job and me buying Pizza Hut every day
Well 19K now
@@aleenazia2965 maybe your family needs to see the video.
@@aleenazia2965 You can do this please cut down on the constant eating
jesus christ... it gets worst!
Ironically people with less money are usually much better with money. When you have to budget a lifestyle based around 30k a year or less, you become a financial wizard out of necessity.
I could build and maintain a US Army style fire-base with the kind of money she wastes a month.
This is far from accurate to be pushed as any "truth", there are no shortage of below income folks claiming "they make it work" and then get destroyed by math on that being a lie..
True! I lived off of 24K in New York.. now I make 250K as a lawyer and need to budget better
It is not at all ironic though. We've just bought the false narrative that poverty exists because of individual failures rather than address the systemic issues that cause them to be poor in the first place.
@@baileyjohn5010 How did you live off 24 k in nyc?
This is a classic case of “Doc-itis”. Because doctors delay gratification and spending for so long, once they get their first big paychecks, they have this huge, cathartic release in purchasing.
yea as a current med student, these doctors are clowns with money.
Dave Ramsey says this too
@@margie909Well, he got it from Dave Ramsay
I'm the other way around. I'm a doctor and I was was poor for so long before finishin my residency and raising a family during med school that I never developed a habit of spending. I still drive the $700 dollar Nissan Micra I bought as an intern for my commute. My only monetary vice is a family trip abroad every year, to visit my wife's parents in their country. I live in Europe by the way where salaries are much lower than in the USA and only make about $62.000 after tax per year.
as would most ppl , the flaw is living like that
Making $300,000/yr. Bringing home $22,000/ month...and she finances her car!! WTF!
It makes sense if it is registered as a business car = tax deductible…
But as a personal vehicle?…. Its dum dum
I make close to $500k a year and finance my vehicles too. It’s done under my business name and write off the majority of it.
@@ChrisC-qx8zd you're still paying that money. Write-offs are not free. They're just tax-advantaged. At 500 a year you really have no excuse
@@skycaptain95 you understand there advantages to paying x amount monthly instead of 50-60k all at once, right?
@@tarnantula not when you make 500k a year
I noticed that when she feels in control, she uses "socialite speech," but when she gets pressed, her native accent comes out strong.
She has a weesa because she's from Baakeestawn
I also had a Indian coworker before who was making 180k household income a year and was always with anxiety coz of credit card payment. She found out I was debt-free, she asked for my advice. Found out she was having every weekend party with her Indian society. I was like, if you wanna be debt-free you have to make some sacrifices. She got mad at me. Lmao
Yeah people love nice outcomes. Not so much the lifestyle that leads to those outcomes.
I loved the one where Caleb's talking to a water heater? salesman and one minute in he goes 'you sell water heaters? to real people? people don't like you. *I* don't like you.'
Yeah, that was a good one!
The fact that I make 50k a year and have more in savings than she does is the highlight of my day
How do you even waste 300k…. That is a skill on it’s own
I just realized that Ramsey was named after Dave Ramsey 😭
She is just living so dangerously. Heaven forbid she lose that job or some terrible life event comes up. She’d drown in that debt and have nothing to fall back on 😅 yikes.
She has her education to fall back on.
That's true. As a doctor she should know best that health problems/accidents happen.
@@AC-qo8oqThat line of reasoning is exactly why shes IN DEBT. I will be okay because of my education -> therefore its okay I go into debt -> my debts building but ill still buy things because of my education -> etc..
@@yttrium220 Tell that to all the smoking doctors
There’s an old Canadian show called “till debt so us part”. It would be so cool if Caleb did a show similar to that but all in one video where we see an update from start to finish
Love, love that show.
Me too!
Love that show! I’d love to see Graham react to it
Yes! And Money Moron and Prince$$! The UK also has Spendaholics
Absolutely loved that show
It's a drywall anchor, Graham. Your cat is into home improvements, pay him.
😂
She's NOT going to lessen what she believes her status of being a Doctor looks like.
Every time i hear a case like this it baffles me how people just burn away their money like this.
Every time i see credit card debt i feel a guillotine hanging over me without knowing when it's going to come down. I pay that off so fast it's not even funny.
Saaaamme. I pay off my cards multiple times per month, so I’ve never missed a payment or accrued interest, but still logging on and seeing that $800 balance always gives me trace amounts of panic
Absolutely love Caleb Hammer's financial audit series, so super excited whenever I see you react to his tough love and realism!
Honestly tho, I feel like she could easily take care of herself and her brother and still pay off all her debt
@Kijestic Productions Sure but I think it's also about making him learn to take responsibility over his finanes as well. So sure helping him sounds fair but it doesn't sound wrong to ask him to at least get some small side hussle to contribute to his own costs.
why should she take care of her brother? Did she give birth to him?
@Kijestic Productions She shouldn't even be spending anything on him, she is not his mother. You sound ungrateful. Do you also gaslight your sisters to work and support you?
this is referencing to a hypothetical and the original author of this comment did not suggest it’s her responsibility to take care of her brother. it is the simple mathematical fact this common sense lacking physician doesn’t sit down and add hypothetically the imperative need of paying off things maybe within a far more relative time frame than the dude gave her IN ADDITION TO PURCHASING A HOME ASAP… Which i find FAR more important considering she pays the dumbass 3500/Rent… Her other habits that she fully controls is the problem, even if she gave her brother 2000/month on a personal loan and expectation of repayment she mathematically has the capability to do so.
She might even afford some skincare products to deal with her skin problems.
What's sad and concerning, is that this information is not taught in most schools. I think it would be awesome if financial literacy courses were absolutely required before you could graduate from high school and university. In my 20's, I was a complete dodo bird about finances. I was making an adequate living, but spending every penny (and much more). Thank goodness, I finally wised up and got my act together. Today, there are so many ways to learn how to become financially literate. People just need to educate themselves and have a bit of restraint.
Graham, can you do these kind of videos but with people who are actually good at spending their money? It would be pretty interesting to see how we can save some money or learn some new tricks financially.
I think savings pattern is pretty well established so I think they’d be the same.
No fun in that.😂😂.
Yes please!!!
He has actually, go watch some oldee videos
Watch The Financial Diet 😊
Mind Blowing how someone can make that much money and not have anything saved. Even after her rent and necessary payments, she still should be doing very well.
Graham is that just a cup of milk?
Idk if “one month being a doctor” would fly but I like the spirit of trying on multiple trades ✅
haha meant that tongue-in-cheek
"nurse, scalpel please. That tiny sword thing. Hand me that hammer."
Pandora is actually jewelry/jewelry store too which she likely spent money on 😂
It was Google Pandora: the music service.
Me: pandora is gross 🤢. Who still buys that jewelry…
Graham: “who still uses that music software.”
Me: 🙄 I’m an idiot
She makes almost ten times what I make yet I have no debt and a looot more saved and invested 😮
Sometimes i look at people making $300,000 a year and i think, "how are they different than me? Are they really THAT much smarter than me or THAT much more hard working?" I make not even close to a third of that and I'd like to think I'm a reasonably intelligent person.
Don't be jealous Chad, don't be jealous.
the fact that they spend worse than you should tell you something
Honestly most people with high paying jobs like that lucked into them one way or another. Either being lucky enough to know someone who can get them hired, or lucky enough to be able to go to school and get that piece of paper that will get them hired regardless of intelligence. Some of the most brilliant people I've ever met were poor.
Her attitude about finances would concern me if I was a patient of hers. I guess she could be a great doc but lousy with her own personal finances. Still, I wouldn't be broadcasting that on the internet though.
Yes Caleb needs to do "where are they now" updates
I dont think she meant that pandora the jewelerry shop😂
Can we get a caleb and graham show where they help millennials 😂
Oh wow, she has that much money coming in and $300 in savings. That'd give me anxiety 😅
The pre med requirements provide a foundation necessary for understanding medical school at the rate and level it’s taught. It also filters out a ton of people from the already insanely competitive (and outrageously expensive) medical school application process. I don’t agree that we should get rid of the undergrad requirements before medical school. Students need to prove they are academically capable at a high level.
A lot of med schools don’t allow you to work during coursework (many have a contract you have to sign and you can lose your spot if you are employed) so unless you have an affluent family, they back you into a corner so you have to take loans for cost of living.. we have such a stupid system here.
But the lifestyle inflation after students become residents, fellows and then attendings, leaves them in more debt bc of living above their means. That’s definitely true. As medical students, we literally get zero counseling on how to handle hundreds of thousands of dollars in loans, which is unfair.
Actually also, most doctor-education type programs require that you do not work during the schooling (effectively requiring you to live on either loans or someone else’s income as dependent)
Yep, the same with law school.
“Why can’t you go straight to med school?”…money
Well, it's not like anyone pays cash to go to med school after four years of undergrad either.
Steady Mobbin
Steady Mobbin
Steady Mobbin
Steady Mobbin
I make 23k a year and I contribute more to my retirement then a doctor. Strange times.
*than
Respect, though!
@NowioART does this make you feel good to correct someone's grammar?
@@user-nq4wp7ui5g my comment had two aspects to it: a petty remark on your lacking grammar and a compliment in form of an aknowlegment of your achievement. You CHOSE to focus on the former.
@NowioART I think this is a classic example of someone gaslighting. You didn't have to make a remark on my comment, at all. Let alone that I accidentally place a E where an A should go. Totally unnecessary. Thanks.
@@user-nq4wp7ui5g Ah yes, the current culture teaches to laser-focus on negatives, no matter how small… while foregoing anything positive, no matter how big… to then assume oneself as victim and blame the other as gaslighter. And we wonder why the cases of depression and mental instability rose not by a percentage but by a factor.
I agree. There is zero incentive for her to change. She came off as yeah whatever... In five years, I'd be shocked if she cleaned up her act. We are all creatures of habit including me! I thought this was an episode of tough love! Thank you!!!! I needed that reality check!!
The brother is the golden child. Sister needs to pay for him. He's too delicate to work
I am SO glad I found him through you...i have binged SO much
Shelby Church just posted a video how much she spends on 980k a year in Seattle WA. We would love to see you make a reaction video on that.
I saw, coming soon!
That's hw much she makes, not spends.
@@saulgoodman2018 I know she makes 980k not spends. You misunderstood my comment.
@@Courtney-Alice-Gargani
Saul good, man.
Caleb hammer will take you tube by storm
I watch every video when it releases and the best part, I listen on the way to work makes my morning much happier 😊
Are you just casually drinking milk doing this video 😂.
Gotta love how graham criticizes Caleb for having "victims" when his entire show is focused around building a plan and strategy for these people to recover while also trying to dig in and fix the mentality that leads them to financial ruin. Meanwhile graham just heckles the people while watching Caleb...
300k and still struggling is the definition of bad management, but they dont teach this stuff in public school , idk about private etc the system is set up to make ppl work in debt
Making $300k and only have $300 in savings account?! Wtf 😮 this just gave me a headache.
Saw the title and was ecstatic that there’s finally a video on the channel about me.
We need more Ramsey content!
she thinks the gravy train is never going to stop.
It’s not about the generation you belong to. It’s your upbringing to begin with. Which will shape your character, and your attitude towards money and the hierarchy of your priorities. Then, it’s the kind of people you surround yourself with, and the kind of people you listen to.
So she had a medical degree at 23. In the states she wouldn't likely have a bachelor's degree at 23 because no one graduates on time.
All commonwealth countries can obtain a medical degree by age 23.
She is from Pakistan. In Pakistan you dont have to do pre-med. You can go to Med-school straight out of high school.
@@elizabethpieters7798 yes i watched the video
@@elizabethpieters7798 Good strategy lol
Her "medical degree" IS an undergraduate degree.
Hey Graham. Can you compare the recommendations of Robert Kiyosaki and Dave Ramsey about money? Cause both are so rich. Basically one says “keep away from the debt” and the other one says “use the debt as leverage” 😅
Cat Tax!! Show us the kitty!!
Plz 🥹
If she potentially sees just one more patient a month from the time she saves (as she claimed time is money), I don’t think getting morning coffee is that big deal.
I feel like the time waiting in line, paying, waiting for it to be made, + the extra drive to the shop is a lot more time than just making it at home.
I make pour over coffee and do it while I’m getting ready in the morning.
Unpopular opinion on GS’s page but coffee rarely does. I don’t think it’s a time saver (the one I used to hit up had a long line). It’s a treat. I’m personally tired of people acting like it’s a big deal (it’s $10 to someone making six figures, people will/should enjoy themselves sometimes).
Mind you this is 300k in CT. That goes far further than other parts of the country
The amount of money I would save & invest if I had that much coming in each month..
Alot of healthcare workers lives in a financial bubble regardless of a 6 figure income. A lot of my colleagues are drowning in debt, with little to none in savings or retirement accounts and their only focus is starbucks, dinning out and vacations. it really doesn't matter how much you make, is how much you can keep. Too focus on following the crowd will leave you broke and paycheck to paycheck. We need more financial literate teaching people.
Caleb is the man. I love his channel and diving into people's finances.
The car lease ... I just bought a car with cash. If I save up for two years with the money I don't pay for a lease, I can buy another, and I don't make half of what she makes.
Typically, I drive a car until getting an oil change is considered totaling it.
@graham Stephan, there are a few programs for a 7 year undergrad/medical school straight out of high school, but they are super competitive and require a near perfect SAT and above 4.0 GPA. I do think there needs to be more like this, it avoids spending thousands of dollars on entrance exams as well
"'Cause birthdays.. they really care about your debt"
I mean this respectfully, but you should create your own content and not just your re-post and re comment Caleb Hammer. He works hard to create endless original content.
Lol I think Graham doesn’t quite know what pandora jewelry is.
My gut tells me she's not earning anywhere near $300,000 a year.
I’m so upset that someone this imature is controlling things in disease
And drinking $10 worth of sugar-loaded coffee drinks every morning. She's on her way to diabetes
@@ghostbird92 That’s an assumption imo. You can get a coffee there without sugar
@@Kaloapoele That would be pretty cheap coffee then. The coffee she gets isn't cheap.
Humans are crazy good at compartmentalization though. Someone can be AWFUL with money and yet AMAZING at their job, as well as vice versa.
Is there any coffee in that milk 😂
Personally, I’d like to see some videos that are the opposite of this. Interviewing people that are good or at least passable with their money to see what works for different people. The ole “ugh, what an awful portfolio!” thing is starting to get a lil old to me haha
It’s whoever signs up. 🤷🏼♀️ You could sign up!
There are some. But i like these because they make me feel good about myself 😂
Or a 6-12 month follow up with these folks to see how their habits have changed since
@ChloeGrace TV He has a few follow ups but they didn't change their habits which is frustrating
They don’t get the views the bad ones get
and these are the people asking for loan forgiveness from the government. 😒
I need more content like this for when Graham is too busy to post 😭😭
Totally thought you were going to say rice and beans, beans and rice... 12:14🤣
Caleb is so annoyed with his "victim" that I feel a bit sorry for her.
How is she able to be a doctor in CA if she didn’t go to an accredited medical school?
She did attend an accredited school, just in another country. After getting a foreign medical degree in Pakistan, she took the same US board exams medical students here take. Then completed a residency program and fellowship in the US.
I have a sister in law who became a doctor in Mexico, yet she could barely put a written sentence together. It's not fair medical students in the United States pay hundreds of thousands, yet a student in 3rd world countries pay often nothing. Foreign schools are not accredited in the United States
@@danielalonzo7445 I'm inclined to think the same. Schooling is NOT the same everywhere....
Give Ramsey foam earplugs, trust me...
Live like no one today so that you can live like no one in the future...
It was a drywall anchor. It literally anchors into the wall so there is a solid surface for you to screw into. Drywall is normal too soft to bite into.
The shock from both of them because she has pandora LOL
It's always the people who make more than 100k a year. 😂 What good does it make if they don't know how money really works?
Graham, you should collaborate with Caleb during one of these sessions.
16:01 you’re right. She’s not gonna be accountable to herself. It would be far more beneficial if he called her regularly to check up on her and her finances, at least once a month if not a lot more often.
I think most of these people either go to him hoping for a magic solution to get out of debt without changing anything or go with the thought of being seen as a genius but get a ride awakening
Greater than accountability would be real consequences that penalizes the person if they don't follow through with the advice they agree to follow.
This was awesome I would love to see a video breaking down “finances for moving across the country for a new job”
When Graham talked about the medical debt and then he said "Ramsey" I thought he was talking about Dave Ramsey haha but no it was just his cat.
The issue with these types of videos is that Caleb has to give advice in reality. Graham deals in hypotheticals and "what he would do instead." Caleb absolutely gives people the correct advice. These people need to get out of a hole. So holding onto a car payment for write off reasons is not an option for her. She makes 300k a year wtf does she need a car tax write off for.
Doctor are a weird type of self-employed. They charge the country for the services they provide. It is not a hourly job, it's per service. If it's like wear I am she can deduct her car and gaz for the deplacement to the hospital.
Her issues are deeper than daily Starbucks
She should act fast so she can feel better & learn responsibility so she could (hopefully) teach it to her brother.
Starbucks isn’t a big deal at her salary. It’s the big ticket items she needs to watch.
It’s crazy. I make about 500k a year at 23 and live on about 25k a ywar
Graham really feeding on Calebs videos huh
How do you make 300k and after tax and whatever else have a little over 200k and be broke? She needs to get a financial advisor or someone to help check to check
Yeah they call them wall Anchors Graham!!!! hahaahhahaah
They go and spend money like it’s going out of fashion 😂 I’m using now from now on.
General courses in college are a total waste of time and money . They should give people classes in economics , money management and basic accounting instead.
Living simple is so important regardless of how much you make.
Definitely need more Ramsey bloopers lol
People only see spending at theh now but don’t see the full picture. This might hurt them when they retire.
I don’t get how buying coffee would save time. I do delivery, and most of the time during shift changes, the lines are long. I could spend 15 minutes in a drive-thru waiting to pick up an order. She could start a coffee maker as soon as she’s up-or buy one that is pre-programmed to start at a certain time-go pick out her clothes and take a shower, and bam, coffee is ready. Instead she gets ready and leaves and then sits in a drive thru to “save time”? I call bull.
He really named his pet RAMSEY as in Dave ramsey, his competitor finance guru
It’s funny seeing that CZcamsr call you out for clickbait thumbnails an she says adding fire to the thumbnail gets even more clicks an seeing yours with fire lol