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Chapters:
00:00 Job and Income
02:33 Immediately BAD
05:53 Mint mobile
06:23 Spend spend spend…
10:43 ENDLESS CREDIT CARD DEBT
13:53 Sharing debt with MOM?!?!
16:25 This is INSANE
22:35 You can’t be serious…
25:18 STOP. JUST STOP.
29:15 Refusing child support? Okay…
33:25 She refuses to do anything!
37:24 You need to BUDGET
40:05 Im scared for her future…
48:07 WHY ARE YOU EVEN HERE
51:56 Just do it!
55:40 Hammer Financial Score
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My socials: https://linktr.ee/calebhammer
Do you want to be in a Financial Audit and you’re able to film in the Austin area? Email [email protected]
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Sponsorship and business inquiries: [email protected]
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My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you’re feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it’s completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.
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23:40 WOW…. Entitled much? Please don't yell, it's triggering. Wow… This country is so screwed……..
4:10 – 4:35 I had no idea that Caleb possessed such a prodigious vocal range. hahahaha
7:40 lmaoooo 💀
Stop paying on the credit cards. Default
22:22 my dude really went 🤨
I was gonna watch Quantumania but this is way more interesting.
I want her parents to come on so Caleb can chew them a new one.
Listening to this women enrages me
She needs to truly hit rock bottom to really wake up! She is very insecure and will make a million excuses and smile for no reason!
Lol watching these makes me feel so much better about myself 😂
Doing her plan she’ll burn out. She can’t work 6-4 and half days on Saturdays. Plus work door dash in her free time. To only pay off her debt in 25 months. She needs to work less hours and make more pay. So she can have more time for the side hustle. Orrrrrrrrrrr if she likes her current job so much demand for a pay raise so at least she gets more money because of the OT. Then continue to do the side hustle.
"You're yelling and it's triggering." Jesus fuck you are everything wrong with your generation
She listened to some tik tok influencer and liked the ideas, but she has no awareness of the reality of her debt. She thinks she's going to get out of her situation by manifesting it, with no realistic path forward. This is the saddest episode I've ever seen. She HAS to get a new job. She HAS to pursue child support. The saddest thing is her children will be completely screwed by her inability to learn.
If maybe they stopped teaching useless shit in highschool and tjought you general finances the world wouldnt be in shit. Heres the eye openeer though, school is made to fail you in life. go to college after school go into 30/50k of collefe debt then potentially get a job with ur degree and spend the next 20 years paying it off and if u dont learn finances in thar time u will die broke to the system
I don't get her amusement at him getting angry, her life is going down the drain and seems she doesn't care.
Where can I find Caleb's method to calculate my "hammer financial score"?
"vitamins"
Holy she needs to get that child support
Being $31K in debt and her plan is to pay it off in 18 (or so) months sounds impossible, but on $53K (at best with 1200 weekly DD), this is actually doable if everything happens perfectly, and she gets some help with interest through child support. But I still agree with Caleb that she needs a better job because the current plan has her working 70 hrs per week. She works too hard for the output – not to mention the burden on her kids and her mom. I'm happy for her in the sense that she is growing up very quickly.
Bless her and her little cotton socks but this world is tuff, she need to get tuff.
You think she knows about holding back 15% of her doordash income for taxes?
I feel like some poor people get into that "I can just work extra hours" loop. One thing that could be helpful is talking about how many hours are literally in a week because obviously the math here isn't mathing but she's like "I will just do extra uber".
There are 168 hours in a week. You sleep for 56 of them. After that, you literally only have 112 hours to work with (not counting commute, food, showers, etc). What's her day look like? I bet she'd figure out that with her other obligations, there's no way she'd be able to maintain 100 hour workweeks at her current wage for the length of time it would take to pay off that debt.
can confirm she’s probably right about chewy. my cats are on prescription food and the only place I can get a discount is the 5% autoship discount with chewy, everywhere else it’s the standard price across the board.
29:46 he put in you 😂😂😂
I see people like her a lot in my day to day. They fear change, they're scared of losing their income, they don't realize that credit cards are the reason theyre getting by every month, they've chosen to be comfortable in with the job they have when they could make more anywhere else. It's a really hard state of mind to get out of. She came on the show but unfortunately I don't think she's ready to make the changes she needs.
These dumb girls wanna cry and say tRiGgERrEd Shut the hell up and grow up … ! She’s clearly never been disciplined
God I hope she realizes the getting a better job would be so much better for her and her kids
Who does Pandora in 2023? lmao
You’re the best man!! Awesome videos
Sometimes these are just hard to watch. The reality doesn't click for them.
I get that the fathers should pay and they should be involved but defaulting to "get them to pay up for your bad financial decisions " when most of the debt is from things that have absolutely nothing to do with the kids doesnt sit right. Child support shouldn't be used as something to just get by default because she's bad with money and making more money when you have no common sense or financial literacy won't really change her situation. She needs to take accountability for her actions and the recommendation should be get the child support and put it in a savings account and only use it on actual ESSENTIALS, MEDICAL CARE, and CHILDCARE for the kids. None of that money should be used to pay for her bad choices or frivolous purchases.
This is Home Depot
Triggered by yelling? Have fun living on an emotional Rollercoaster.
She could literally walk in to any McDonalds in Austin and earn 16.50 an hour. Unreal she has been with her company for 7 years.
It sounds like she's afraid of change, or doesn't know how to move forward, so she's desperately clinging to this job.
I feel bad for her, 2 kids, dog, cat and lizard with no way to feasibly get out of it unless she gets a new job
She doesn't understand the difference in pay between 7 1/2month certification course to having nothing at all she could be getting paid double! I went from 9.50 to 30hour and it only cost me 7 1/2 month and 9500 in student loan dedt at a 2.7% apr😑
The word Caleb needs to stress is 'priority' – getting a higher paying job is the priority, all else follows