Immature Millennial Is HORRIBLE With Money

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Опубликовано:

20 июл 2024

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Комментарии : 590

@GRCHMO Год назад

Caleb has just gifted graham with essentially unlimited content for free

@xKeville Год назад

derivative

@GRCHMO Год назад

@@xKeville you’re derivative

@GRCHMO Год назад

Gottem

@arh1234 Год назад

And Caleb's channel exploded in subs after the first reacy by Graham. It's muutually beneficial!

@JustLIkerapunzel Год назад

@@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

@CalebHammer Год назад

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!

@KingKong-ux3gg Год назад

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

@aleenazia2965 Год назад

Well 19K now

@unknownperson3691 Год назад

@@aleenazia2965 maybe your family needs to see the video.

@omotayosatuyi252 Год назад

@@aleenazia2965 You can do this please cut down on the constant eating

@ambientgamesound Год назад

jesus christ... it gets worst!

@amandadean3948 Год назад

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.

@AllAboutPurple Год назад

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

@imcoolchristian Год назад

Thoughts about engineers?

@VioletBird Год назад

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/?

@WinS392 Год назад

@@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.

@EmpressoftheLibrary Год назад

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.

@RyanJamesOfficial Год назад

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.

@manictiger Год назад

I could build and maintain a US Army style fire-base with the kind of money she wastes a month.

@bigbay1159 Год назад

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..

@baileyjohn5010 Год назад

True! I lived off of 24K in New York.. now I make 250K as a lawyer and need to budget better

@alastairhewitt380 Год назад

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.

@iuliaElsaa Год назад

@@baileyjohn5010 How did you live off 24 k in nyc?

@chi-towncalifornia5916 Год назад

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.

@NO1xANIMExFAN Год назад

yea as a current med student, these doctors are clowns with money.

@margie909 Год назад

Dave Ramsey says this too

@DKNY159 Год назад

@@margie909Well, he got it from Dave Ramsay

@Paddan1000 Год назад

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.

@DonaldHendleyBklynvexRecords Год назад

as would most ppl , the flaw is living like that

@mmp495 Год назад

Making $300,000/yr. Bringing home $22,000/ month...and she finances her car!! WTF!

@NowioFel Год назад

It makes sense if it is registered as a business car = tax deductible… But as a personal vehicle?…. Its dum dum

@ChrisC-qx8zd Год назад

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.

@skycaptain95 Год назад

@@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

@tarnantula Год назад

@@skycaptain95 you understand there advantages to paying x amount monthly instead of 50-60k all at once, right?

@skycaptain95 Год назад

@@tarnantula not when you make 500k a year

@unlirise5479 Год назад

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

@Bertuzz84 Год назад

Yeah people love nice outcomes. Not so much the lifestyle that leads to those outcomes.

@Raynl1978 Год назад

I noticed that when she feels in control, she uses "socialite speech," but when she gets pressed, her native accent comes out strong.

@nineteenfortyeight6762 Год назад

She has a weesa because she's from Baakeestawn

@sarielgrace Год назад

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.'

@ArtistFormallyKnownasMC Год назад

Yeah, that was a good one!

@darkxipher1908 Год назад

The fact that I make 50k a year and have more in savings than she does is the highlight of my day

@NowioFel Год назад

How do you even waste 300k…. That is a skill on it’s own

@Archer-hg9rw Год назад

I just realized that Ramsey was named after Dave Ramsey 😭

@IamYODA818 Год назад

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

@mmp495 Год назад

Love, love that show.

@daniellelemay2696 Год назад

Me too!

@sabrini13 Год назад

Love that show! I’d love to see Graham react to it

@1588chrissy Год назад

Yes! And Money Moron and Prince$$! The UK also has Spendaholics

@ronibo9 Год назад

Absolutely loved that show

@Dmartinez9959 Год назад

She's NOT going to lessen what she believes her status of being a Doctor looks like.

@abiejjjsh7349 Год назад

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-qo8oq Год назад

She has her education to fall back on.

@yttrium220 Год назад

That's true. As a doctor she should know best that health problems/accidents happen.

@daveg3651 Год назад

@@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..

@TheBrazilRules Год назад

@@yttrium220 Tell that to all the smoking doctors

@bryancross Год назад

It's a drywall anchor, Graham. Your cat is into home improvements, pay him.

@plezilakay1214 Год назад

😂

@acamacho023 Год назад

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.

@charisginn6932 9 месяцев назад

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

@ZevTheWolfe Год назад

Absolutely love Caleb Hammer's financial audit series, so super excited whenever I see you react to his tough love and realism!

@sparkleclap Год назад

Honestly tho, I feel like she could easily take care of herself and her brother and still pay off all her debt

@JustLIkerapunzel Год назад

@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.

@terrafluent4238 Год назад

why should she take care of her brother? Did she give birth to him?

@terrafluent4238 Год назад

@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?

@comicalastranomical2780 Год назад

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.

@vondahe Год назад

She might even afford some skincare products to deal with her skin problems.

@alecblc-9548 Год назад

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.

@khyododev766 Год назад

I think savings pattern is pretty well established so I think they’d be the same.

@shachede6828 Год назад

No fun in that.😂😂.

@rebeccamariesmihal2203 Год назад

Yes please!!!

@morganbaldwin4828 Год назад

He has actually, go watch some oldee videos

@torontohaze5266 Год назад

Watch The Financial Diet 😊

@karynmcdonald9857 Год назад

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.

@blackspiderman1887 Год назад

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.

@gracegardone350 Год назад

Idk if “one month being a doctor” would fly but I like the spirit of trying on multiple trades ✅

@TheGrahamStephanShow Год назад

haha meant that tongue-in-cheek

@Sickwitit18 Год назад

"nurse, scalpel please. That tiny sword thing. Hand me that hammer."

@starrwinter Год назад

Pandora is actually jewelry/jewelry store too which she likely spent money on 😂

@iGottakissU Год назад

It was Google Pandora: the music service.

@JoshuaErabu Год назад

Graham is that just a cup of milk?

@chadhiggins9944 Год назад

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.

@asmah-1135 26 дней назад

the fact that they spend worse than you should tell you something

@daughterofsekhmet81 5 дней назад

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.

@brulin09 Год назад

I am SO glad I found him through you...i have binged SO much

@jaimerosas5998 Год назад

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 😊

@MillaExplores Год назад

Oh wow, she has that much money coming in and $300 in savings. That'd give me anxiety 😅

@MissMelissa0007 Год назад

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!!

@brookebeck3367 Год назад

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)

@DebraJohnson Год назад

Yep, the same with law school.

@Sav1010 Год назад

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.

@davidsensing2664 Год назад

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.

@arfo8353 Год назад

Yes Caleb needs to do "where are they now" updates

@theironredbaron Год назад

Caleb is the man. I love his channel and diving into people's finances.

@DonaldHendleyBklynvexRecords Год назад

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

@Ms.MD7 Год назад

Making $300k and only have $300 in savings account?! Wtf 😮 this just gave me a headache.

@gerbelle90 Год назад

She makes almost ten times what I make yet I have no debt and a looot more saved and invested 😮

@cindy-ml7vo Год назад

The brother is the golden child. Sister needs to pay for him. He's too delicate to work

@CaseyBurnsInvesting Год назад

Saw the title and was ecstatic that there’s finally a video on the channel about me.

@samuelpaige9557 Год назад

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...

@fiercebon14 Год назад

This was awesome I would love to see a video breaking down “finances for moving across the country for a new job”

@natalieharb-sc7ir Год назад

@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

@user-nq4wp7ui5g Год назад

I make 23k a year and I contribute more to my retirement then a doctor. Strange times.

@NowioFel Год назад

*than Respect, though!

@user-nq4wp7ui5g Год назад

@NowioART does this make you feel good to correct someone's grammar?

@NowioFel Год назад

@@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.

@user-nq4wp7ui5g Год назад

@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.

@NowioFel Год назад

@@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.

@mr.laceduppp7944 Год назад

Can we get a caleb and graham show where they help millennials 😂

@Courtney-Alice-Gargani Год назад

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.

@TheGrahamStephanShow Год назад

I saw, coming soon!

@saulgoodman2018 Год назад

That's hw much she makes, not spends.

@Courtney-Alice-Gargani Год назад

@@saulgoodman2018 I know she makes 980k not spends. You misunderstood my comment.

@manictiger Год назад

@@Courtney-Alice-Gargani Saul good, man.

@wyattpotter2103 Год назад

Hey Graham loving your videos and Caleb's video's I've been watching him for a great bit and saw all his videos. Hope everything is going good for you guys.

@jonathanbrutt Год назад

Please do more of these reactions to Caleb's channel. I often watch the full video from Caleb and then watch your reaction because it's funny. I wouldn't mind if the two of you did a show together. hehe. Or... I was asking Caleb do to some financial audits on people who are generally successful and take a look at what that looks like and their financial journey getting there.

@lucaroy4069 Год назад

Me: pandora is gross 🤢. Who still buys that jewelry… Graham: “who still uses that music software.” Me: 🙄 I’m an idiot

@emiliaarroyo4065 Год назад

I need more content like this for when Graham is too busy to post 😭😭

@beng0327 Год назад

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.

@acestarmedia Год назад

These videos are great and your reactions are always hilarious and educational. Looking forward to the next one!

@eranimoo Год назад

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” 😅

@yygg9786 Год назад

I dont think she meant that pandora the jewelerry shop😂

@NURSESTEPHANIE09 Год назад

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.

@daelkolwitz3509 Год назад

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.

@steadymobbin. Год назад

Steady Mobbin

@ezequielrenovato6608 Год назад

Steady Mobbin

@leetjohnson Год назад

Steady Mobbin

@Nignificent Год назад

Steady Mobbin

@januaryriches3991 Год назад

I like Caleb’s show but Graham’s comments are so amusing! Love it

@Courtney-Alice-Gargani Год назад

People only see spending at theh now but don’t see the full picture. This might hurt them when they retire.

@bennyfloresbriseno Год назад

You know it’s a good day when Graham posts a video! Thank you for all the knowledge as always! It has helped me on my journey to financial freedom!

@ricseeds4835 Год назад

Dude, calm down. You don't have to slobber on his junk. He's just reacting to a video.

@bennyfloresbriseno Год назад

@@conrado800 did my due diligence and put all my crypto in cold storage

@coreyladd125 Год назад

Mind you this is 300k in CT. That goes far further than other parts of the country

@georgecampuzano Год назад

I hope that kalib does a year or two down the line follow up with all these clients. If Jalil does a followup I want a name drop that u gave this idea.

@HashFace253 Год назад

I love in calebs videos when hes like "venmoing out 60 dollars for something" and they reply like yeaa breeze over it... they bought coke..

@ai_robozen Год назад

“Why can’t you go straight to med school?”…money

@bluesonicstreak7317 Год назад

Well, it's not like anyone pays cash to go to med school after four years of undergrad either.

@ireneverdream1148 Год назад

I love to watch you commenting about Caleb Hammer. Thanks for the content

@newbiedebater Год назад

You really need to start running a "caleb hammer las vegas edition financial audit" Imagine the WILD content you could get as you live in a mecca of good AND bad decisions.

@Brismo7 Год назад

she thinks the gravy train is never going to stop.

@scottwible1532 Год назад

Graham, you should collaborate with Caleb during one of these sessions.

@Sandslash19 Год назад

and these are the people asking for loan forgiveness from the government. 😒

@pvsfinest Год назад

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.

@PassionPno Год назад

All commonwealth countries can obtain a medical degree by age 23.

@elizabethpieters7798 Год назад

She is from Pakistan. In Pakistan you dont have to do pre-med. You can go to Med-school straight out of high school.

@pvsfinest Год назад

@@elizabethpieters7798 yes i watched the video

@TheSoulCrisis Год назад

@@elizabethpieters7798 Good strategy lol

@nineteenfortyeight6762 Год назад

Her "medical degree" IS an undergraduate degree.

@anamarianeri Год назад

We need more Ramsey content!

@eddiemalvin Год назад

My gut tells me she's not earning anywhere near $300,000 a year.

@ericpatterson3399 Год назад

It’s funny seeing that RU-vidr call you out for clickbait thumbnails an she says adding fire to the thumbnail gets even more clicks an seeing yours with fire lol

@swimmyJones Год назад

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

@Username0467 Год назад

It’s whoever signs up. 🤷🏼‍♀️ You could sign up!

@shilohmorris5527 Год назад

There are some. But i like these because they make me feel good about myself 😂

@chloegracetv7344 Год назад

Or a 6-12 month follow up with these folks to see how their habits have changed since

@tosinalade853 Год назад

@ChloeGrace TV He has a few follow ups but they didn't change their habits which is frustrating

@AFFTFOMSICHTS Год назад

They don’t get the views the bad ones get

@lightprince14 Год назад

They go and spend money like it’s going out of fashion 😂 I’m using now from now on.

@Doesme1h Год назад

Are you just casually drinking milk doing this video 😂.

@EconomicNinja Год назад

Live like no one today so that you can live like no one in the future...

@sebastiancabrera7035 Год назад

The amount of money I would save & invest if I had that much coming in each month..

@AW-vi3df Год назад

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.

@bakeSomeTreats Год назад

Cat Tax!! Show us the kitty!! Plz 🥹

@maya__1109 Год назад

That’s the great Sunday with the new video! Enjoyed it!

@TheGrahamStephanShow Год назад

Hope you enjoyed it!

@itsworkinprogress Год назад

Caleb is so annoyed with his "victim" that I feel a bit sorry for her.

@dm3988 Год назад

I agree with Graham about our education. We could have so many great doctors if it wasn’t such a long road.

@jonathanbrutt Год назад

Graham, Caleb Hammer does have some of the people on the show after the fact... but you're right @Caleb Hammer could have an accountability system long term and then do long term accountability with graphs to show us how some of them have been since they left.

@yanmingzhang420 Год назад

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.

@swestphal117 Год назад

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.

@Kaloapoele Год назад

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).

@linda840325 Год назад

Happy Saturday Graham :) I saw this video from Caleb before (thanks for recommending his channel) but your reaction makes it even more entertaining 😂

@ispeaknonsense Год назад

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.

@treacherousviper Год назад

sign on bonus’s are ALWAYS like that lol you won’t ever get it all at once ever

@brookebeck3367 Год назад

I agree with the idea of an education system based on career types and trials

@84BlueCrownvic Год назад

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.