37-Year-Old Has The Most INSANE Debt I've Ever Seen | Caleb Hammer

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Here is my response to ‪@CalebHammer‬ - 37-Year-Old Has The Most Insane High-Interest Debt Ever | Financial Audit - Enjoy! Original Video Here: • The Dumbest High Inter... | Add me on Instagram and Snapchat: GPStephan
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Опубликовано:

29 сен 2023

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Комментарии : 137

@DanDryfhout 9 месяцев назад

Honestly surprised someone would say yes to a person who had to finance a $700 engagement ring. No way her parents would approve if they knew that.

@Ndasuunye 9 месяцев назад

Lol wait he FINANCED a $700 wedding ring? Omg that's foolish af. Can't believe I missed that

@mariel1121 9 месяцев назад

Pays more a month for his car than something she’s supposed to wear daily for 40 years 😮

@zoopdefloop8651 9 месяцев назад

Parent*

@comment2250 7 месяцев назад

Addicted to things is another way of saying I'm materialistic.

@eugenendungu4062 9 месяцев назад

Dude has all this money and isn't even taking care of his own health and mind

@kathyazzari839 9 месяцев назад

My current and last job both required me to have my bachelors degree. Some companies still have that requirement.

@M2161 9 месяцев назад

Most do, the idea that you don’t need a degree is being pushed too much. When many companies even for basic entry level jobs won’t consider you if you don’t have a bachelors.

@Justin-sp7kz Месяц назад

My job on paper “required a bachelors” and I got offered the position despite not having a degree. Job postings saying “require a degree” aren’t always accurate either.

@matthewsawczyn6592 9 месяцев назад

Speaking from experience, cameras and gear can be SUCH a money sink

@stevenporter863 9 месяцев назад

1:45 True, but still today most entry level office jobs require a college degree. We interviewed recently at my job for an administrative type of position and they required a college degree, and automatically rejected those without one. Maybe that will change but the point is kids may be going to college just not out of route, but to get their foot in the door since not everyone wants to start a business and become an enterpunur or depend on feast or famin contract work.

@bobberry1463 9 месяцев назад

So kinda if for it and computer science you don't really need a degree still you just have to know just as much or more than someone with a college degree

@Ndasuunye 9 месяцев назад

Well it sounds like you guys just keep pushing people further away because ain't no way your retention rate is low

@Ndasuunye 9 месяцев назад

@stevenporter863 yeah but as far as something like administrative, how likely do people feel they'll realistically feel they'll get a promotion without job hopping and are stuck with what I can guess low wage for administrative work, all which requires a college degree for which seems like a deterrent? In terms of administration, I wouldn't be surprised if the positions a rotating door mainly because of people quitting

@avres13 9 месяцев назад

I worked at a company as a machine operator for a few years. They hired me because I knew someone there and had similar experience with the exact machinery they used. All my coworkers had bachelor degrees because it was listed as preferred. This company also listed their security guards to have a degree related criminalistics degree or working towards it and it only paid $15 an hour. I just have a high school degree and was lucky to get my foot in the door since this position was $20 an hour.

@elgatomoscato230 9 месяцев назад

Same dude, some of my coworkers have certifications and before I stepped into my position as a Maintenance Technician, I was a clerk and cashier at a deli 😂

@JM-kn9dh 9 месяцев назад

One of my team members for senior design (mechanical engineering final project) started working in aerospace by applying to graveyard shift, no experience positions. By the time he was in his final year, he had five years of experience

@anya8221 9 месяцев назад

Graham, thank you, love it ❤️

@jordantaibi4910 9 месяцев назад

Graham always has so much good info to share. Thanks Graham!😄

@thedude7319 9 месяцев назад

05:03 that part of not having cash growing up, is so true. It is horrendous if you think about it. The college athletes getting signed up for nba/nfl should be a cautionary tale

@jacksonbilly9979 9 месяцев назад

I appreciate your videos graham. You, Caleb and the money guy show are my go to daily entertainment. I even recently started watching till debt so us part after watching your videos on her

@stonewall11b1984 9 месяцев назад

Add Dave Ramsey for a complete and balanced financial diet.

@laundrygoddess4 8 месяцев назад

Gail is awesome and hilarious.

@snaxx4877 9 месяцев назад

I bought a fitbit instead of an apple watch. Still fat.

@meRyanP 9 месяцев назад

should've got that apple watch duh

@jeffrounsville4961 9 месяцев назад

Great video

@AustinCameron 9 месяцев назад

Photography biz is one of the worst choices imaginable, especially these days, like a decade late to the game and competing against AI at this point.

@Ndasuunye 9 месяцев назад

Celebs still use photography businesses

@AustinCameron 9 месяцев назад

@@Ndasuunye I don’t think he knows very many celebrities

@matthewsawczyn6592 9 месяцев назад

You basically have to go the wedding photography route, which pays well but is super competitive

@vaishnaveesundararaman7876 9 месяцев назад

OH I remember this one! This was quite an interesting episode!

@desultorilypanacea 9 месяцев назад

Could easily retire in eight years if he was responsible with his money.

@BPMEmmelia 9 месяцев назад

I found your channel through Caleb! 🎉

@Courtney-Alice-Gargani 9 месяцев назад

A lot of people are so racked in debt they'll never pay it off and file BK.

@zachgray8652 9 месяцев назад

I DECLARE….. BANKRUPTCY!!!!!!!

@desultorilypanacea 9 месяцев назад

BK? File burger king?

@broadestsmiler 9 месяцев назад

@@desultorilypanaceaI was forced to eat Burger King by my debt collectors due to failing to pay my loan for a Big Mac. Worst day of my life.

@raulgallardo5140 9 месяцев назад

@@broadestsmiler😂

@kaelaleedaley 9 месяцев назад

A BK would be great just now! 😋 xx

@ciscoshibler3214 9 месяцев назад

Sweet. My weekly dose of feel better about myself 😂

@johnl9135 9 месяцев назад

Well, the said thing is a lot of companies now a day won't hire you if you don't have college degree high paying job I mean.

@WilliamKliskey 9 месяцев назад

That’s not necessarily true

@xeneth911 9 месяцев назад

I have been watching for a while, and normally do not comment. I wanted to point out something that I don't think gets enough consideration. While financially, it makes sense eating at home. For many, eating at home is emotionally painful. The eating out is possibly a way of "getting out", or avoiding something at home. Some it may be loneliness, in this case it may be the sense of inadequacy he may feel. Pure guess, but there is normally a compultion to making bad choices.

@laundrygoddess4 8 месяцев назад

Then that needs to be dealt with and you need to eat at home and get past your issues.

@xeneth911 8 месяцев назад

@@laundrygoddess4 that was kind of my point. The cause needs to be addressed. Neither Caleb nor Graham is the place for that, but just pointing it out.

@codgamefreak602 9 месяцев назад

I’m so happy I’m in sales.

@Bubbaxmonster 9 месяцев назад

Also get store card and pay it off Everytime at the cashier

@Atrus999 5 месяцев назад

In my opinion a photography business is the kind of thing you might want to start when you retire and can afford it but quitting a decent paying job for it sounds like a mistake.

@ben3308 9 месяцев назад

Graham, although I'll agree that most jobs don't in practice require a Bachelors Degree, it is basically needed as a barrier-to-entry for most decent-paying positions these days. Do you need it to DO the job? No. But you need it to GET the job. How will the job know that you show up on time, have a good attitude, etc, if you never get the chance to DO the job? You need the Bachelors. In fact even then, most applicants have the degree, so it's hard even WITH it.

@sappfire6086 9 месяцев назад

It would of been nice if they went over finances in highschool

@mathteacherplusmore4533 9 месяцев назад

In Nebraska they require a semester over financial literacy now but they take it at the freshman year which is dumb. They need to take it later when they juniors.

@cherisecantrell2726 9 месяцев назад

All students in Utah have to take a class, usually as a junior. The problem is that many of them don't actually care yet so they dial it in and don't take many good habits away from it.

@joshtua 9 месяцев назад

ooof this guy is literally me

@michaelinterbartolo3 9 месяцев назад

I spend way too much on take out but at least I pay it off at the end of the month

@thanksyoutubefortakingmyhandle 9 месяцев назад

dang I'm 30 and my credit limit is $12,000. Highest statement has always been below $5k this guy's just maxing his 7k limit out lol

@thanksyoutubefortakingmyhandle 9 месяцев назад

@@millabasset1710 Mine only went up once I updated income, it kept bugging me for years and when I finally updated it my credit limit went from $5k to $12k

@stang10189 9 месяцев назад

Collage is insane for even doctors. Just let the goto med school after high school like most other country's.

@EmilyGloeggler7984 9 месяцев назад

My husband works three part time jobs and I work a part time job when my chronic health problems allow for me, but we are still underpaid, homeless, poor, and still in massive debt. Moreover, no one needs a quack.

@handsomeblackmuscle9845 9 месяцев назад

I am 52 years old, and I have never had a car payment. Buy yourself a 2005 Toyota Camry and you are set. Remember Jeff bezos was driving a 1998 Honda Accord when he was worth $1 billion. Why would he buy such a lackluster car when he's rich? RELIABILITY. Remember for people like Bezos, TIME = MONEY.

@dojyr3130 9 месяцев назад

he used up that money on his super yacht…

@1jbunceiii 9 месяцев назад

Dump that fiancee...she's a drain

@Courtney-Alice-Gargani 9 месяцев назад

I think Caleb enjoys roasting people for his own personal amusement. Hahah

@blessed7fold 9 месяцев назад

No, he is trying to make something sensational out of something very common.

@jester6909 9 месяцев назад

Thats coffeezilla watch his old stuff its too obvious 😂

@Justin-sp7kz Месяц назад

Software engineer here making $55/hour ($114,400/year) no college degree

@michaelswami 9 месяцев назад

Caleb appears to be roasting his twin.

@JavierTorres-ng6ct 9 месяцев назад

Is it just me or did i already watch this video ??

@Sagefrakrobatik 9 месяцев назад

I wanna try to see if I can use only $100 a month for food.

@cheesecurd100s 9 месяцев назад

It's totally possible, rice and soak your own beans, make your own bread, and this time of year where I live there's lots of stuff like tomatoes apples etc for practically free. So get food thats in season, have gardens, buy stuff when it's on massive discount.

@louisianabeast 9 месяцев назад

Still liking

@anthonyikedakolar9375 9 месяцев назад

It IS so simple! How is it So hard to spend less?I'm so confused as to why NOT spending money is harder than spending it. You literally don't have to do anything to not spend money...

@rangequeen 5 месяцев назад

People buy things to cope. It’s an addiction.

@CT-O 5 месяцев назад

Graham you don't mow your lawn in the winter buddy

@antoniofigueroa5084 9 месяцев назад

He can sell the car, but he's probably "under" on his loan. Would have to pay off part of the loan just to be able sell.

@danielj3010 9 месяцев назад

Dump the girl, save 50k/year

@maewatson8371 9 месяцев назад

I got an “adult” job when I was 24. I have been paying into retirement for 1.5 years. How much should I have in retirement at each age milestone? I couldn’t do retirement before because I was working to survive. But with my current job, I want to make sure I’m on track. I’m trying to max out every year.

@cloasy7815 9 месяцев назад

Yeah, I thought about opening my own farm, but its a long and complicated process. Im just investing in Cannafarm ltd farms and earning every day

@hirschdoron 9 месяцев назад

I paid 20 Euros for each one of our wedding rings.

@andrewpage8235 9 месяцев назад

Why don’t you start financial auditing?

@stevemichellehillyard1274 9 месяцев назад

Dang lol my spend on food is about 3k month

@IrisP989 9 месяцев назад

Why $3K? Do you kids? Eating out a lot?

@baconoftheark 9 месяцев назад

I'm a single guy who cooks at home and I spend $300/month. I use higher quality ingredients, and I sometimes make special meals. I get take out a few times a month, so I splurge at Pop Eyes or Taco Bell on my weekend. I can justify cooking 6/7 days/week, but I need a break sometimes 🤣

@elgatomoscato230 9 месяцев назад

@@baconoftheark Good on you, keep stacking that cash! 😎👍

@baconoftheark 9 месяцев назад

@@elgatomoscato230 Thanks dude. Saving that money to pay off my student loans 🤣. If Caleb's guest just picked up cooking as a hobby - they would save so much money.

@AlCaponeGangster2.0 8 месяцев назад

I'm a British Mafia Member I my income it Varies as you'd expect but it levels around 70 thousand a year...I'm self employed but I Save alot of my money...I do drive around in a BMW but also live with parents 🎉

@PlanetSadala 8 месяцев назад

Yea this guys problem isn’t that he doesn’t know what bad financial decisions are, it that he has a unresolved mental health issue that he copes with spending.

@athan4752 9 месяцев назад

He works from home and lives in a city. He shouldn’t need a car.

@jonaand376 9 месяцев назад

So early 🎉

@TheGrahamStephanShow 9 месяцев назад

Second!

@jonaand376 9 месяцев назад

@@TheGrahamStephanShowlove your Videos and being so fast responding. I am from germany. Life is pretty different here, but you are still very inspirational. 😊

@Criselcustoms 9 месяцев назад

I don't understand why you brought up his weight like yeah definitely bring up the fact that he should eat at home because it saves money but you don't need to talk about his weight

@autobotdiva9268 9 месяцев назад

eat homemade pizza at least 3x a week instead of ordering. i am tired of pizza but im saving $$

@Dian-tp1fy 9 месяцев назад

How old is Graham ? He looks like 17 . I know that he's more than 25 years old. He's baby face

@ATMOSK1234 9 месяцев назад

I know lots of irresponsible people with kids.

@blessed7fold 9 месяцев назад

You can find a person like this anywhere. This is manufactured sensationalism.

@cheesecurd100s 9 месяцев назад

I think the point is it's relatable

@katie8325 9 месяцев назад

Wow. You sound fun.

@patrickreilly2283 9 месяцев назад

Being that it takes place in the 70s and Laurie is a high school kid it's pretty understandable that Laurie and the audience wasn't used to pyscho killers being prevalent in the media yet so being dissidents with murder and throwing away a knife and not being more careful wasn't on thier minds they were more trusting of the world at that point

@turtleanton6539 7 месяцев назад

😊😊

@thegrattoa 8 месяцев назад

Alright so, I usually love these videos but I mean this seems like more of a bashing sessions vs actually helping the guy. I started to feel really bad.

@pikayla5749 9 месяцев назад

Rub your eye with your knuckle. It's likely much cleaner than your fingertip. Just looking out for you 🙂

@joesanders3563 9 месяцев назад

So the main reason people upgrade their car is because when you've been living your life buying used 3-year-old cars your whole life you want to buy a good car once you get yourself a raise.

@DownhillFilms 9 месяцев назад

I feel like there is not much difference between a used 3-year-old car and a new car. Worth it to miss the depreciation hit.

@dishsoap1 9 месяцев назад

You can’t take it with you. Enjoy that nice car. Graham it isn’t 2017 anymore. Your reactions are outdated. A 37k car nowadays is just an average used sedan.

@NoRegertsHere 9 месяцев назад

A 911 is a nice car. Buy a cheaper car and save for a better quality car for 1-2 years, then upgrade to a $25k car. Better than car loan.

@anthonybrown06 9 месяцев назад

37k is wild especially when u have no control over your spending and a bunch of other debt

@seanpan9152 8 месяцев назад

Enjoy the crippling debt

@nytrowgen2889 9 месяцев назад

You got acne inside your eyelids graham,,, it hurts

@damnfez 9 месяцев назад

I like the advice you give but you're kind of hypocritical. You buy $500 white tee shirts. Sure you can afford it but can you talk down on other people spending more because they make a little more? Not sure about that one.