22-Year-Old Has The WORST Finances - EVER | Caleb Hammer

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Here is my response to ‪@CalebHammer‬ - 22-Year-Old Has The Worst Finances Ever To Be Seen | Financial Audit | Enjoy! Original Video Here: • 22-Year-Old Has The Wo... | Add me on Instagram and Snapchat: GPStephan
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Опубликовано:

20 июл 2024

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Комментарии : 191

@thebosshouse Год назад

I used to be an Amazon delivery driver. It's fun when the weather is nice and you're on a route with bathroom access. Rain, snow, heat wave, or rural route brings misery.

@TheGrahamStephanShow Год назад

Good to know!

@TriHard612 Год назад

Reminds me of the end of "Office Space". Seems great, fresh air and exercise until weeks/months later of bad weather. Stress on the body, stress of unmet expectations, etc.

@kunya16 Год назад

Do the trucks have AC?

@thebosshouse Год назад

@@kunya16 They have A/C, but deliveries are every few minutes once the driver is in the correct neighborhood, sometimes several on the same block, so there's no real time to enjoy it.

@mandypdx Год назад

My best friend is a UPS driver and makes over $100k/yr. (In Oregon, we don’t usually have extreme weather)

@Puckett. Год назад

The scariest part of these shows is these are the people that are willing to admit they have a problem and come on a show like this. It could be sooooo much worse out there full of people who won't admit they have a problem and continue racking up insane debt.

@JonNuclear Год назад

A lot of these people come on the show refusing to accept they have an issue and are more just looking for a cheat code to be out of making the payments they have, that or their friends/family recommended them to it. But yeah, you are also correct that I am certain their are people out there in a way way worse spot.

@SailorV1234 11 месяцев назад

Openly and willingly to admit I was in that category till I had to start budgeting for Healthcare Marketplace. Medical issues + medication = MONEY I HAD to change my lifestyle because even with GoodRX-my meds would’ve bankrupt me.

@chadhiggins9944 Год назад

The sad thing is, this kid doesn't know how good he actually had it. For his dad to have the foresight to build his credit... Most kid's parents don't do that for them. He could have been in such a good position. But sadly, if you are raised that way, that's ALL you know so you completely take it for granted.

@stephanier1000 Год назад

He is not going to change. He's surrounded with people that like to go out and spend money.

@ClintCC Год назад

I've gotten into your videos, Caleb's, and Dave Ramsey all at the same time. Great content.

@TheGrahamStephanShow Год назад

Awesome! Thank you!

@Cranappl Год назад

The fact that $20 an hour isn’t enough money to live in his eyes is kinda depressing

@CheemengFyne Год назад

In Cali it is hard to survive $20/hour

@Vortex__24 Год назад

@@CheemengFyne What is a liveable wage in Cali then?

@hunt9999 Год назад

@@CheemengFyneEasy problem solve, don’t live in the most expensive state in the country then! I’m all for paying people what they deserve. I just think it’s a bit ridiculous that $20 isn’t enough. Because it definitely is elsewhere

@Ocelot35 Год назад

@@hunt9999 Exactly. I live in China and $4 an hour is enough. Chinese dream baby.

@twhe7103 Год назад

$20 is the new $10

@cameronf3343 Год назад

As long as he doesn’t plan on becoming a father. If he does plan on being a father… god help the child of this dude who got a BMW before he could get his own apartment.

@RichV20 Год назад

7:05 I have Boost Mobile too. It used to be Virgin when I started 15 years ago. My plan has been $25 for almost a decade know. I'm glad that I was ahead of Graham on something.

@ironwolph Год назад

You don't know the monotony of stacking boxes in a warehouse? That's the problem, go do that for 12 Hours and say you love work

@BJR_H Год назад

Graham. The reason Bar prices are so high in general is because Bars are required by law to purchase their liquor from a distributor. They aren't allowed to legally purchase from the neighborhood liquor store. This means the distributors get to the prices and Bars have no choice but to pay those prices. My sister-in-law works for a distributor and my brother owns a couple of bars. It's definitely a bane to his business. I agree, paying to drink at a bar is significantly higher and a dumb way to drink lol.

@brownerjerry174 Год назад

Why would they ban it tho?

@IEatTunaIAmTuna Год назад

@@brownerjerry174same reason you have to buy cars from dealers. They lobby local government and force themselves in as a price add where there isn’t really a value add.

@DelrenGaming Год назад

@@IEatTunaIAmTuna You don't have to buy cars from dealerships. Used or new... you can buy straight from the factory. You have to put in an online request, plus if you want anything custom, can negotiate the pricing, but you have to wait a ridiculous amount of time. For instance Tesla doesn't have any dealerships, you are buying it basically straight from the factory. Factories are only prohibited from in-person sales, but you can buy a used car from anyone in person, and can buy any new car from any factory as long as you are the one sending in the request (online, or through mail).

@IEatTunaIAmTuna Год назад

@@DelrenGaming this is untrue in most states, and most states where it’s true you’d still need to pay for the special order through a dealership. Curious what state you’re from where that’s possible. Tesla sells cars directly because they actually bill all orders from a store front outside the US. Also specially talking about new, of course there isn’t regulation for used cars.

@ROIRalph Год назад

Why'd you get a BMW? "loved it" Not because he needed it...

@TheGrahamStephanShow Год назад

CLOSE! Second!

@ROIRalph Год назад

@@TheGrahamStephanShow I'll get it!

@jvolstad Год назад

What is the difference between a BMW and a porcupine?

@joshuadelaughter7968 Год назад

I mean that is the reason to buy a BMW. But it's not a good reason when you're poor.

@brownerjerry174 Год назад

@@jvolstad BMW is for the peasants, the latter is not

@karahoglund Год назад

watching caleb's videos makes me so glad i have fixed my spending habits before starting an actual career. I can't imagine actually having a liveable income yet still not having money!! My only issue right now is no income as a student

@stefancoban59 Год назад

U think this now but life happens, then there's lifestyle inflation, or poor investments. And u'll soon forget about the student u, who imagined being financial responsible andnot living paycheck to paycheck.

@karahoglund Год назад

@@stefancoban59 yeah Im 29 and have been through some stuff... I've taken years to finally be in control of my spending and lifestyle. I get life still happens but I actually have goals now

@karahoglund Год назад

@@stefancoban59 I realize some context would've helped. I'm not fresh out of highschool student.. I decided to go back to school to change my poverty situation... If I had started making decent money right into adult hood it would've just been spent away. So now even 2000 a month would get me very far

@mightyzues89 Год назад

@@stefancoban59how negative of an outlook u have

@stefancoban59 Год назад

@@karahoglund I'm so happy for you. Congratulations and wish you good luck.

@MadResch98 Год назад

I love these bite sized Caleb Hammer videos! I just also want to say that it's not weird to enjoy working, I have always liked building skills/ gaining experiences through work. That being said, now that I have a salaried career, I try to keep it close to the required working hours to get my max pay, rather than focus on getting the experience because who wants to get paid less for more work?

@georgia5327 Год назад

Thanks for what you do Graham! Much love!

@TheGrahamStephanShow Год назад

I appreciate that!

@julissadc6303 Год назад

I mean I undestand he wants to have fun, but having fun and no debt would be even more enjoyable, I dont think young adults, comming from a 28 yo, realize they are setting the foundations of their entire adulthood, which is their entire life

@kadaisjahrivera873 Год назад

Really enjoy watching your videos and learning from them

@JenniferBellfilms Год назад

Sooo when’s Caleb Hammer coming on the Iced Coffee Hour?! ☕️

@paulking5199 Год назад

US phone bills are insane. In Australia, you pay like $AU200 for 170 GB over the year.

@twhe7103 Год назад

Same, in Taiwan, I get unlimited data and it costs me like $200 a year

@neonghost8608 5 месяцев назад

How many phone companies in Australia

@cryptowire Год назад

Financial Improvement! 🙌🏽

@TheGrahamStephanShow Год назад

Yes!!

@JohnnyScribe Год назад

I can’t imagine being that much in debt. I zero the balance on my cards every paycheck because I am that paranoid about missing a payment.

@benjohnson1786 Год назад

This kid is gonna operate off a negative balance for the first half of his life. Thats a long lesson to learn

@theshelbypalace Год назад

I def spent a lot of money partying in my 20s, this is a totally normal thing to do in life. I ended up growing out of it. this kid will be just fine.

@Peterpiperspickledpeppers Год назад

Hmmm, I didn’t seem to pick up that habit. But honestly I’m just nice and polite to everyone at the party and they generally let me have a beer or two.

@OhMyKromi Год назад

Would you open a checking account with a $20 a month maintenance fee? Because thats basically all youre doing carrying a $1000 credit card balance at 24%

@MonikaLynne11195 Год назад

Omg how about Graham gets a financial audit on Caleb's channel 😅

@lilpiggie7095 Год назад

The mark up on wine in restaurants is absolutely crazy. I was a wine sales rep for years. knowing the mark up. I could never justify getting wine at restaurants.

@shamendra.sakthivel Год назад

It would be really great if Caleb could do a follow up video of his "victims".

@Conbuilder10 Год назад

He has with some.

@RiggsGaming Год назад

i feel bad but him constantly shaking his head is driving me crazy lol

@karahoglund Год назад

who? the guy in debt? cuz i think he's nervously shifting his feet

@sixteendollars9826 Год назад

I’ll never get over the American credit card system. in Germany having a credit card is not that common - at least I get weird looks when I pull out mine. But I’m glad the balance on mine is always taken out of my checking account in full at the end of the month 😂 there’s no “just paying the minimum” (yes, those kind of cards exist here too, but I’m glad I don’t have one like that)

@noahremnek3615 11 месяцев назад

People use credit cards for the rewards or just to get by.

@HandmadeDawling 11 месяцев назад

Graham, I love your reaction to Caleb’s shows. I always have a reaction too. I would never go on Caleb’s show.

@stephkim00 11 месяцев назад

5:28 I think they’re talking about before the bill comes, like you shouldn’t pay it all off before the statement, so you have a small amount on your statement and *then* pay it ALL off

@Currency84 Год назад

His father gave him a really solid headstart by boosting his credit score but then he decided to mess it up.

@jeffrounsville4961 Год назад

Great video

@crow-vz5lx 8 месяцев назад

Thankthsss for doooing thithsss

@jptheproduct Год назад

If you live in Texas you might as well not have a phone if you don't have Verizon or Att. Verizon has service everywhere and Att has service in most places. Everything else you're lucky if you can get a signal and when you do it's too slow to even stream RU-vid at 1080p.

@cantripleplays Год назад

You CAN improve your credit score (at least for credit card companies) by leaving some money every month as credit card companies WANT interest to make money

@thesaint824 Год назад

I suppose it should be okay as long as he is going to college or a trade skill, so he can make good money

@joshgoulash4889 Год назад

There's an easy way to get out of these. When the bill collector calls you say, "Aw geez dood they got me on these pills. I got maybe 50 bucks I could give you, but I gotta give it to the doctor, it's gonna be gone on Thursday."

@LifeBindeR222 10 месяцев назад

That's exactly how care credit gets you as well, interest free for two years or whatever but even if you have $1 balance at the end they'll charge you the interest for the entire term length at the end of the promotional period 😂

@ironwolph Год назад

Metro PCS is $60 a month with no fees. And I believe it comes with amazing prime.

@jackytheindo Год назад

Hey Graham, hop on my Tmobile Magenta (not MAX) plan. Unlimited everything, 20/mo just for the phone line 😂

@OldManGameTrolling Год назад

This is why Amazon sucks. Drivers cant even add let alone find the right house.

@bobsmith1841 Год назад

More hammer videos!! 😂

@TheGrahamStephanShow Год назад

sure!

@laurenzojames Год назад

1:57 lol gram's laugh

@acamacho023 10 месяцев назад

"How do you know you got a good deal on that Beemer?" "Trust me bro"

@anthonygoldsmith817 Год назад

Can we get like charts for all the finances like in Millennial money? I’m more of a visual person.

@Ldrago9262 Год назад

Hell, even with chase, I usually get my money instantly

@brinawidmer Год назад

good thing we are allowed to drink at 16. by the time we are 18, adults, allowed to drive and out of tradeschool - most of us are over their 2-3 years of drinking too much 😂

@AbidingHopeMentalHealthCoach 10 месяцев назад

5:29 it’s a BS theory. I have over 800 for a credit score, and I rarely keep a balance (last time I did, I had purchased something for a friend, and she still owed me; I charged her the interest I was charged, too).

@jadiecakes3241 Год назад

I dont know anyone who gets paid by cheque lol. Why do these business not just pay you directly into your bank? Seems very old school. I dont even know anyone who uses cheques at all, i think they are being phased out in my country.

@devinkubota6370 Год назад

Ur the goat man

@milliefayetutorials8280 Год назад

I pay $25/month for my phone plan with Visible. It is unlimited everything and it goes off of Verizon towers so my service is good where I live. It’s a great deal if anyone is looking for a cheaper option 🙂

@annamcfarland492 Год назад

Also I think here is a video you would like! Its a couples financial audit! The video is called Couple is going to die in poverty.

@annamcfarland492 Год назад

The photo has a man and a women with a red arrow saying She won't stop.

@TheGrahamStephanShow Год назад

Interesting, I'll check it out!

@zanneizzo8113 Год назад

How could that guy have those fingernails at 15:00 if he is slinging Amazon packages for 45 hours a week???

@ellensundestrand1326 Год назад

This kid would put Dave in the hospital if he called in to the Ramsey Show.

@lizkellysromero3581 3 месяца назад

😂😂

@rayan_mh Год назад

It would be cool if you go “couch surfing” in Andrei’s house without him knowing that its for RU-vid and you post it on this channel

@TheGrahamStephanShow Год назад

@jvolstad Год назад

I have an 800+ FICO and do not carry a balance on my credit card.

@yawns2170 Год назад

7:23 well Graham, Visible mobile is only $35/mo for unlimited, Verizon towers. It’s great

@jonny-b4954 Год назад

So right off the bat, he's not good at math.... hah 5:24 Nah, I pay my CC off every single week almost. My credit went from... non existent to 750s in 16 months or so. I've never paid a dollar of interest, just use it as my "debit" card nowadays basically. I don't like debit cards since it's MY money. Access to MY account. With a CC you're spending THEIR money.

@cjay1500 4 месяца назад

Helpful/useful (in YOUR own opinion) how to start paying off debt 🤦‍♂️ and stuff like paying all over due accounts with small balances or paying off one account at a time. Also wondering if it's "better" for your credit score to settle or does paying the full balance increase it faster.. I know it's not gonna go up over night, but I've been working on this since I messed up my first card. 🤷‍♂️👈 title 😂

@robertcornelisse8664 10 месяцев назад

@Graham switch from boost to mintmobile even cheaper

@n.j.crawler Год назад

He might be a little brash, but he’s talking to idiots making dumb decisions. If he doesn’t give them a wake up call, not sure who else will. They show up voluntarily… If he babied them would anyone actually want to watch?

@Simsrockslol Год назад

These are hard to watch. I feel like a lot of these are ppl have mental health problems. I feel like these people become nihilistic and this is like self harm to feel something

@dyquanbowers7316 9 месяцев назад

The Caleb Hammer reacts video channel show is pretty good

@alonsogalvis1921 Год назад

Lmao I just watched that video last night before bed! The algorithm never sleeps

@TheGrahamStephanShow Год назад

nice!!

@FrankHuynh Год назад

u love reacting to caleb haha nice vid

@TheGrahamStephanShow Год назад

me too!

@zacknelson8918 Год назад

Soda, is where they make a ton of profit

@alexandredesinor106 Год назад

Graham 7:10, cosign I've had Boost a decade plus.

@gitarzzan1 Год назад

Where can I find these $100k widgets for $20k

@hobocyclist Год назад

This broke guy,..driving a BMW.. What the hell man??

@yashpatel3377 Год назад

Just looking at this guy makes me so angry

@MadisonFalco Год назад

Are they good friends or are they enablers?

@sin_fc3822 Год назад

Id love to see this guy do an average person and help them on the path to millionanire of something

@GamesAlore Год назад

them amazon drivers put in 15 to 16 hr days multiple times a week meetin peoples nice tho 😂

@tundranocaps Год назад

Thinking it's great being an Amazon driver shows how out of touch with the situation you are on this, Graham. Their situation is terrible. There are videos on how there are cameras on them, how they get penalized for every little thing you can think of... there was the one who fell into a sinkhole and was then forced to finish his day, too.

@ironwolph Год назад

He was getting sugar daddy's to pay for him. Heyyyyyyyyy. Lol

@RobVI Год назад

T-Mobile $25 a month, unlimited everything

@David_Quinn_Photography Год назад

want to drink, quite literally make it at home get the yeast and all it's so much better

@TheGrahamStephanShow Год назад

never tried it!

@MadisonFalco Год назад

Fenix is not internet lol😅

@TheBrownSys 11 месяцев назад

The kids a bobble head. That's the real issue.

@louisianabeast Год назад

Still liking!

@TheGrahamStephanShow Год назад

Thank you so much! Hope all is well!

@christinab9133 Год назад

❤❤❤

@rikmik3046 Год назад

I want graham to go on here to get roasted just for the lulz.

@Spankmepink 9 месяцев назад

Alcohol is a huge waste of money but some of us can't quit, as we can't do inpatient detox and atleast in my state doctors won't prescribe outpatient benzos like Librium which are required to quit alcohol cold turkey, the only other option is to try and taper. Without benzos quitting alcohol after an addiction causes hallucinations and seizures which are deadly. Its a tough battle.

@CilliansGarmin Год назад

I pay $13 for unlimited everything

@nicholascassidy-fougere8051 Год назад

All happy until the banks sue his ass

@LanK111er Год назад

Peeing in a bottle makes the job worth it lol

@TheGrahamStephanShow Год назад

hmmm

@timothybuck1390 3 месяца назад

They are definitely dieing inside

@LilEhko Год назад

Lol im sure its a front, you gotta watch the interviews with disgruntled drivers

@TheGrahamStephanShow Год назад

hmmm

@to41815 Год назад

Cars are just financial mood killers I swear

@TheGrahamStephanShow Год назад

@Cesar-pq2ck 11 месяцев назад

A BMW?????😮😮😮

@PineappleAdrift Год назад

You gotta shave that wispy neck fuzz bro, it will look much better!

@andrewstuner53 Год назад

What is this shilling for Amazon you’re doing graham, are you sponsored? 🧐

@susanclaire901 Год назад

This guy was infuriating. That smirk was annoying!!

@sammylapue Год назад

Sounds like the moron I was married to. Would not listen when I pointed out all of the points mentioned and more. SMH. Sometimes you got to let it go!!!! The stress is not worth it!!!!

@jvolstad Год назад

What's in his ears? 😮

@r4k33b Год назад

Do you know the muffin man?

@TheGrahamStephanShow Год назад

the muffin man?

@bobsmith1841 Год назад

@@TheGrahamStephanShowthe muffin man that lives on Drury lane!?

@Bowedout Год назад

Wow first time I am the first comment on a Graham video.

@TheGrahamStephanShow Год назад

So close!!

@Bowedout Год назад

@@TheGrahamStephanShow Damn maybe one day 😢

@TeachersPocketbook Год назад

It's interesting to see how Caleb's "worse" financial videos have really gotten so much worse in time. The last ones recently...oh boy, now those could be...😅