He was relatively calm. And he told him that he genuinely likes him and respects his self-awareness. And therefore is mad at his him hurting debt. This was probably the nicest thing this guy has heard since forever.
@@nomadic_orthodox I think by the end Caleb was calm. And I'm not trying to be overly critical of Caleb, more just my evaluation of Casey. I felt like his attitude warrants a different volume of conversation than the "IT's nOT tHaT bAd" people.
He's working so many hours, he got fucked over by a bad relationship that cost him a fortune, he's so open to guidance, he just looks so SAD. This guy really needed a hug and more encouragement!
He avoided most questions and blamed everything on an ex he'd been separated from legally for years. He's a cry baby who can't take accountability. You hear how he talked about her not having sex with him? He was bitter as fuck
@@damabaith I’m with you. I was with someone who would WHINE like that and play the sad guy act whenever confronted with literally anything. Still makes me cringe. this guy gives me the same “I’m just a nice guy” bullshit. No adult believes someone will kill themself if they don’t get a car, he was trying to get laid and it failed. Miserably
I'm so hardened by Caleb's usual spoiled, delusional, clout chasing guests, but this guy truly broke my heart. He seems like such a good guy, just beaten down. Wish him all the best!!!
One of the only guests who was able to say what their job and income was without going into a long rambling story about how they were born in a log cabin in 1963 and his dad wasn't around for his birth because he got stuck in traffic so his mom always resented his dad for that, and so that's why he now has $535,000 of car debt.
Calm the hell down. If you haven't noticed this is also a comedic show. He had hans kim on for christ sakes. You don't like the title then dont click on it
The clickbait titles and pictures don’t do anything for me, I watch for the content. Maybe it is effective at bringing new people in, but I think for those of us who have been watching for a while I almost feel bad clicking on it. Lol
As a relatively new watcher, I previously avoided this content specifically because of the thumbnails in particular, though the titles weren't much better. The only reason I gave it a chance was because my partner recommended it to me with a disclaimer about the titles and thumbnails
Agreed. I think he’s trying to reach out to a younger crowd with these kind of titles but he has enough subscribers now where the channel can be a bit more serious. Maybe leave the humiliation for TikTok views or something
@@sedmidivka i don’t think the best p.r. person in the world could spin threatening to kill yourself unless you get what you want into a sympathetic story
I feel really bad for this guy. It’s obvious he has been hit very hard by depression and trauma of his own, you can see it. I hope he gets on the right path and has a better life soon
He definitely seems like he’s emotionally drained for sure. He’s been through so much and it’s probably affecting him more than he may realize. The poor financial decisions make a lot of sense if that’s the case
@jensgronning4436, Dude, the guest gets a veto on the title lmao. They’ve said it several times that if the guest doesn’t approve of the title, they pick another one.
@@johannaf5598dude he literally told Caleb that his girlfriend and almost wife never had sex with him. Given the definition of an incel is a man women have no sexual desire for, he’s a great example of it
Him selling his house that he pays 500 a month total to live in is not an option, because there is no way he can live that cheap even with an extra 1000 a month
Agree, keep the house if he can. If he can get his dad moved out of his home, maybe he could then rent a room to somebody. Even $250 a month would really help him. I know he really wants his house back. His living expenses are going to go up if/when his dad moves out and isn’t covering utilities. On the other hand, he’ll be more comfortable cooking at home without his dad around and could save a lot if he stops eating out and grabbing snacks and drinks on the run.
I swear he said he was putting $100/week into his retirement when Caleb was doing the financial score. 1:15:30 Pausing that alone for a couple of months could get him rolling and stay in the house
I think we are distracted by the low price but don't realize why it's low (lack of job opportunities around). The poor guy ran his cars into the ground doing delivery for other towns 40mins away
Can’t wait for this title to be changed 3-4 times over the next hour lol edit: the ONE TIME I comment this, the title stays the same. Caleb, are you trolling me?
Jesus, that title was brutal and for no reason. I legit listened to the whole episode and thought there would be an explanation as to why it was titled that way. The guest wasn't even that frustrating either. I would think about your titles prior to posting. Bad optics when everyone has been giving you feedback that the titles / thumbnails have been weird lately.
The title is brutal but accurate. He married this woman who he never once slept with while she used him as her own personal bank. To think she wasn't doing stuff behind his back is delusional.
can we just acknowledge the fact that this is the 1st time in AWHILE where we had a straight answer to income AND hours worked on average within 10 seconds. WOOO! no crazy long, unnecessary info filled, vague story
I am a mechanic and the problem that he is referring to on the dodge charger is a very common problem on 3.6 v6 chrysler products. It is a leaking oil cooler. The part is 300$ and maybe 4 hours of labor.
I actually have the part already, it's just the issue being I broke more things in taking the old one off. Random vacuum line just shattered it was so brittle, then 3 of the 6 fuel injectors broke bc of that double locking plastic bullshit. Eventually I'm gonna get the stuff to replace that all with and just get out from under it 😬 but as for now I'm focusing on smaller accounts to lessen my monthlies
@@legendarycake5116 This one is one of the few that I think should do bankruptcy because he's drowning because of the cars mostly. The other debts too, but he's got a house, and no student loans, so a bankruptcy would scrub almost everything. If he did the bankruptcy he could drive way less door dash and he'd probably have an emergency fund within a few months if he actually got disciplined with his spending b4 hand
@reynoldswells6192 This is not how bankruptcy works. If you want to keep the car, you have to make payments and prove you can make payments. He would almost certainly have to sell the house, which would make no need for a bankruptcy. And, student loans now can only maybe be forgiven if you can't continue to make payments, and he makes enough that, with the debt wiped out, he could afford to pay.
@Youre-Welcome this dude had multiple car loans that I'm saying a bankruptcy would scrub all of except his daily driver..... which yes, he would still owe on, but even then, he might get the principal of it reduced. There's more than one kind of bankruptcy. You can file chapters 7, 9, 11, 12, 13, and 15. Each type applies to a specific type of debt. The most common types of bankruptcy are Chapter 7 and Chapter 13. Neither of those (I don't think any infact) will take a primary residence away from you if you can afford a reduced monthly payment, basically your escrow amount plus 85% of remaining principal. A daily driver car is handled the same way. His mortgage is less than 550..... he wouldn't even need a reduced payment. And unless I'm misremembering the episode, he had no student loans, so that part is just completely irrelevant. A bankruptcy might ruin his credit, but that aside, it's a perfectly valid solution to the hole he's in and would discharge the bulk of his issues which is the consumer bullshit debt and the extra vehicles.
This is the first person on this show I really felt emotional for. He seems very genuine and overwhelmed to the point of burying his head in the depression sand. He needs to get away from toxic dad I think.
Casey- if youre reading comments - please take Calebs suggestion and find that hour a week to go to therapy. I was so broken, so defeated, and so used a year ago. Therapy really helped me climb out of the emotional depths of hell I was in. It then further helped me in so many ways. I checked out and just swiped through life, I didnt care because there was no end in sight. There is. You made a huge step in reaching out for help. Keep making these steps. You have so many internet strangers rooting for you.
Do you think your comment is enough for a person to go to therapy just because it worked for you? Therapy is for the weak who want another person to tell them the solution to their life because they are too lazy to think for themselves, with what position do you come to write being a life saved?
I really hope this guy heals. He's very humble, kind-hearted, and fully aware of his environment and his own personality. I truly hope he finds another woman who can treat him well and give him the emotional support he deserves. Wishing the best for this guy.
good guy but some dudes just simply have a personality to where no women will fall for them. Harsh reality. He's like the opposite of the bad boy with tattoos who can be a complete loser but win with women.
@@dbased1915it’s true. He’s so sweet and broken. I don’t think he would have the confidence to go after the sweet kind girls that he would need. And he’s like a walking meal ticket to the vicious terrible ones that are just going to continue to take advantage of him. I feel so bad for this guy. Literally since birth, he has not been loved the way he should’ve been. 😢
I'm sorry, but Caleb, Casey here is a mature, polite, and pleasant guest. Can you not treat him like he's one of the teenagers you recently have had to yell at? I don't think the aggressive, humiliating approach was needed for this guest. I feel you only attack your guests because it attracts views and not because it is an effective tactic for your guests. Please remember that your goal is to help your guests first and to entertain the audience second.
Agreed. I've been watching since the beginning, and Caleb's attitude towards people has been SO aggressive amd condescending, lately. Not to mention, the titles? I get that he has to play the RU-vid game, but damn. I don't like where this is headed.
Wish there was more votes on this! This guest had the awareness, wasn’t entitled and was genuinely there to figure out a way to get out the mountain of debt he has
He could probably ask for more hours at his current job? $20.75/hour is really not bad, especially considering he said door dash only pays $500 for 40 hours a week, and he isn't figuring in maintenance.
@@dancharethey change the title like 4+ times within the first hour, you're telling me they had 4+ titles ready to go and got approval from the guest for every single one? the titles just feel slimey and, for this guest in particular who seems to already have a horrible self esteem, super uncalled for
This guy seems to have some really low self esteem. Saying things like “I’ll always find a way to fuck things up” “give me a chance and I’ll ruin it”. To all men with low self esteem issues please be cautious of women like his ex. There are narcissistic, abusive woman, who specifically seek out vulnerable men with low self esteem. My poor grandpa ended up with two narcissistic wives due to his vulnerabilities. He was a kind, gracious, compassionate man who wasn’t afraid to cry, but ended up trapped with two narcissists who didn’t want him seeing his grandchildren. You deserve someone who fosters these parts of you, not take advantage of your kindness. ❤️
😔 I feel so bad for this guy, your grandpa and all the people who've had the misfortune of getting into a relationship with a narcissist or someone with untreated BPD.
Thinks he doesn’t fit the demographic for a charger….but he fits right in actually. Low credit score, high interest rate, behind on payments, and under water
Dude's depressed. He needs more than therapy to get out of this. He needs hella supportive friends to boost him up. He won't leave the job because it's safe and known. When you're depressed it's hard to problem solve and compound that with no money, he is perpetually stuck. I'm not sure he could save money to move.
These vids are borderline addictive. Monday had me check the community tab to make sure I wasn't crazy. Happy we're back and happy everyone got to rest.
Man he has been through so much trauma I can't even imagine what it's like. He seems like a good person, very self aware. Wish him nothing but success.
He needs to calculate his per hour earnings for door dash. I suspect it is less than ten dollars an hour. He makes about $600 a week doing 30 hours. Subtract $100 for taxes. $150 for maintained and gas. $50 for sweet treats and taquitos because he is always on the road and can’t eat at home. $100 in extra car payments and interest. So he is working 30 hours for maybe $200 net. If he didn’t do door dash, he could own a $2000 beater car, cook all his meals at home, get sleep, relax and he would feel 100 percent better. He would be better off doing 20 hours at McDonald’s.
My thoughts exactly. Or heck a dollar tree. Anywhere really. Especially since those 30-40hrs...how many of them are waiting for an order to come in? Not including the commute to a whole other town/city to do them in.
You're completely correct, I've seen more people on here upgrade their car to do doordash to earn extra money and it's backwards. You're driving more to pay for the car that was supposed to give you extra money.
@@cesarordaz139 he'd have to put money aside to pay his taxes as a 1099 contractor at the end of the year. His extra taken out each paycheck might soften how much he'd have to pay...but he'd still end up paying. Plus putting wear and tear on his car. Plus the extra gas costs. Vs him getting a 2nd job, having taxes auto taken and him likely getting money back at tax time.
This episode was a much needed change. He is a genuinely nice guy. No stupid excuses, no insane explanations, just very down to earth guy. For the first time in weeks I didn't feel like smacking the guest. I really hope for the best for him.
That sonata that he has that he said has the engine issue literally has a lifetime warranty on the engine. All he has to do is take it to a Hyundai dealership and tell them it's been burning oil between oil changes and now it's locked up. The engine will get replaced for free. Hyundai service manager here for years. We do about 60 of those engines a month.
And even though this guy is a complete idiot, if he reaches out to me on here I will give him my email and I'll explain to him exactly what he needs to do. Just throwing it out there in case
"Lifetime" is one decade, or 100,000 miles, whichever comes first. And for original owner ONLY. That does not include parts. Hyundai and Kia make horrible parts. His is a 2018. If he has over 100,000 miles on it, it's no longer under warranty. I am guessing he is either second owner-which voids all warrantee-or it's got over the miles.
We don't need to. He's owning his shit. Who cares about the other story? At least he wants some type of help. Hopefully the other half is also getting help of her own.
@@maeo316 I get what you're saying. And it's not her fault, but it's not about fault. Even if she was the devil incarnate it's not about her. I think he just isn't equipped to really stand up for himself. The people he trusted lied to him.
I really wish people would quit saying "I paid down debt by consolidating" because NO... you in fact did NOT pay ANYTHING down you just paid one debt with another debt!!! STOP IT!
@@jin394 do NOT close credit cards, just stick it in a drawer and make a transaction like twice a year. Closing a credit card can/will lower your credit score by dunking the average age of account, utilization ratio, and credit pool
@@sdm1568 This! This is a perfect example of how bank marketing using social media is ruining people financially. You can make it sound as fancy and smart as you want. Consolidating is simply transferring one debt to another debt. You ARE NOT paying off any debt.
You all are missing my point..... you don't "PAY OFF" anything when you replace one debt with another! You "PAY OFF" debt by actually paying on it with NO BORROWED money!
He can’t leave his town. He has to go bankrupt, keep his house and one car, stop doordashing so much, and get more sleep and house repair time. I wish him well.
No reason for these titles. They’re getting raunchy. You can tell that he’s been through a lot and he’s been through some serious depression. I’d be pissed if I went on your show and saw a title like that even though yes I gave you permission to be an a$$ to me during the filming. But it doesn’t justify a title like that. Come on Caleb you’re better than that. And now you guys have change the title again this one is no better. It’s juvenile actually.
@@sandyimageart1598 yeah I’m starting to not care for this channel honestly. Give me a bad taste this thumbnails are getting ridiculous and these titles are awful. No reason for that. And I know it’s not exactly him it’s the person they hired to handle all of this stuff, but he really needs to stop with the shock value because that’s not making him look good at all
@@carnettawilliams9013 Do you seriously think that this guy wouldn't approve this idiotic title? He's goddamn depressed and seemingly hates himself based on what he is saying in this video! Caleb needs to show these people more respect than they give to themselves, at least for guys like this.
The thing that really strikes me is how sad he is when the camera cuts to him. I’m sure he is so regretful for these purchases, but what a shame for such a nice guy to go through this.
Yeah being incel'd by BPD wife that you commited to life with in front of God is not the same as a pizza face "sigma male" strip club patron like last dude.
My man, you look defeated. I completely understand and have been in a similar situation. “Finances are a symptom of the problem”. I feel that you’ll make progress when you push yourself like I am attempting right now.
As a therapist, I can promise you, body longevity has VERY little to do with whether or not you do physical labor or otherwise. I know people who have sat behind a desk for mostbof their careers who are beyond fkd. Dont be quick to think that hard labor is going to destroy anybody. Doing hard labor, without proper form will destroy. PSA. Take care of yourselves. Dont for get to breathe from the diaphragm, not your chest.
You are a therapist, not a researcher. This appeal to authority is useless. You have patients who are coming to you given they need PT, they aren’t representative of the population.
@@radiicola3631 we're always learning more and more from PTs, OTs, Drs, etc, and solely in the field of massage. It's not an appeal to authority. I'm just speaking from experience working with thousands of people over my career.
Caleb's reaction to hearing someone threatening suicid3 to gain more from their partner makes me so shook. Like whoa, there's people in this world that haven't met a master manipulator/narcissist
I am genuinely rooting for this guy. I really hope things get better...he made some mistakes while in a bad place. He deserves a chance to fix his mistakes and be happy ❤
I love how Caleb claims he is sensitive about mental health then absolutely runs people in the ground in the thumbnails and video titles where literally millions of people see them in shame without any context.
@@danchare when bro? give me a timestamp from any video. even so, you can imagine how abuse this is as you can't say no to the person who is helping you with finances and he gets to abuse you and make money out of mocking you.
But his replies about his marriage, separation & divorce settlements are so vague & all over the map. He still hasn't cleaned up his finances to operate as a single for the future!!
That's what happens when men discuss things. I get the entertainment aspect but sometimes it gets old waiting 15-20 minutes into the episode to finally get to the episode, you know after a quarter hour's worth of background lore and gossip.
Agreed. Selling the house is terrible advice. The bank gave him lots of help and 100% finance to get his first mortgage, and he will never benefit from them again. And he won't find it at all easy to jump back on the ladder in a few years time. Lose the cars, quit doing Doordash as the amount of gas he uses and the cost of the extra cars is eating away any profit, and get a second non-driving job.
For those who have never experienced it, this is what male depression looks like. You wont notice it if you see this guy on the street, but its apparent the moment you dig in a little.
I posted on the post show too - let the guy know if that sonata has engine problems to get it to a dealer, the manufacturer is warrantying those engines almost without question. Worth getting it looked at and quite possibly fixed for free!
I LOVE the "if you would've invested your car payments" graph!!! This is a super effective thing for them to see. You guys should consider doing this for their taquitos of choice. Like ~sweet treats~ or eating out or gems
Agree, we need more of this. It was eye opening for the guest. It’s very illustrative of how dumb debt is, especially car debt. And it effectively shows how starting investing in your 20s is huge - you don’t even have to siphon off very much of your income if you just start early.
But it's also kinda driving a dagger into someone that's already hurting /: seeing what their life won't be like in the next 6 years in his case. Like he can't reverse his choices of debt so why show him what he could have had
@@sk6i75odk He needs motivation to stop shuffling his debt around. He needs to get rid of the extra cars and their insurance payments. He needs to stop using credit cards. Close all the accounts, cut up the cards, cash or debit or Fizz card only. It’s not kicking him while he’s down, it’s meant to show him how he could turn his life around. He’s in his 20s, it’s not too late for him to make changes.
Caleb your watchers love you for you, and your kind but direct nature… these titles are gonna fuck up your credibility, what you’re doing here was so desperately needed. I hope to see the channel garner new users who need your help. I wouldn’t have clicked with that title, without knowing your content. Just honest feedback xoxo
27:50 I think that's the depression. Dude is floating by, aware just enough to be further depressed but without the motivation / hope to make positive changes.
He really shouldn't sell the house. He took advantage of first time home buyer programs that he can't have again. His mortgage is also very manageable. Bankruptcy is the better option and it's likely he would keep the house and one of the cars.
I agree. Selling the house is a bad idea. He got lots of perks and extra help to get a mortgage and he won't find it anything like as easy to jump back on the property ladder in a couple of years. But there's something I don't understand. How can he keep the house if he declares himself bankrupt? On my side of the pond, if you declare yourself bankrupt you lose the house also.
I normally don't feel bad for most of the people who come on this show, but I genuinely felt that this guy didn't deserve tough love, he needs a hug. I've been there before, giving your all and killing yourself with debt to keep a girl happy even though she'll never be happy with you. It's a hard place to be in and he looks and sounds broken. Give the guy a hug, a beer, and financial guidance on how to get out of his position. At least he has the grit to grind, I hope and think he will be okay if he can get past his heart break. Best of luck guy.
Why isn’t the advise stop door dash and pick up another $20 hour job, and cut up cards but consolidate. The more I watch this channel the less I think it is really helpful
He doesn’t even explain how to handle money. They guy clearly doesn’t know anything about debt, he recently put debt on a cc with 100% credit rate, explain how it works to him!!!!!
Sounds about right. Selling the house is an absolutely terrible idea. The bank gave him lots of perks and extras to get his first mortgage, and he won't ever get them again, and he won't find it easy to get back on the housing ladder in a few years time.
Unless theees behavioural changes first, then no. Remember the old dude a couple weeks back who was in eye watering debt only several years after declaring bankruptcy? This guy has already tried debt consolidation loans and ended up where he started every single time. He needs to actually make the real changes in terms of his behaviour first to prove bankruptcy wouldn't just land him back at square one. I feel so bad for this dude because he seems so tired and broken, I genuinely wish the best for him and hope he's able to turn things around. Therapy feels like it would be so valuable for him and I hope he goes down that route soon.
Are you forgetting the part of the video where they talked about the multiple types of debt consolidation he's done so far and how he has wrapped up all his debt again? If he doesn't change anything he will just file for bankruptcy and have massive debt again in a few years.
The titles are getting out of hand. I understand it's for clickbait, but it's coming to a point where I don't want it playing in the background at work.
@@anon556 I only click videos with clickbait titles. I dont even watch them. Just click the clickbait, pause the video, scroll down, leave a comment, and bounce out. This is how I youtube.
He reminds me of a friend of mine. Such low self esteem he was on a path of self destruction. He really needs to lean on his friends to give him some hope and any self esteem boost he can get. It took my friend years to get fully out of the cycle. We're all rooting for you man!
You need to have something on the screen that STAYS THERE the entire video that continues to grow as the debt total grows. Hard to keep track of exactly how much debt there is in these videos if you don’t display it
I really like this guy - no justifications, ownership and self awareness he was not managing his finances. I really really hope he does well. You are worth it ❤
As someone who is also known to immediately crash after work: Take note of when your paycheck comes in and pay the credit cards etc on your next break at work after it comes in, probably your lunch, or pay it after you finish/before you go home sit down in the staffroom or in your car and only once its paid do you go home. But also get that trauma checked out, mate; it'll change your life
I cannot figure out the logic of so many guests to buy another car when yours breaks down. His oil filter repair would have been around 600 or 700 bucks and he instead decided to borrow 20k instead? I just dont understand the thinking.
I have a friend who traded in her car, then LEASED a 2024 of the same model, is now paying $70 more per month (over $500) because the last car "needed new tired and was out of fluids." I almost had an aneurysm. Sent her an old episode with someone close to her age, but I feel obligated to get her to watch this.
My mom is the same way! She keeps telling me and my sister that she needs to get a second car just in case her current car breaks down. But we keep trying to drill into her that that’s fkn stupid and she should just save whatever she’d spend on a second car in an emergency fund. THEN, if the car breaks down, she can just FIX IT. 🤦🏼♀️
@@MoneyMindsetCoach3 I was literally about to reply with this comment. I drive an 07 Lexus with 80k miles and the idea of trying to get into another vehicle just because it needs a minor repair is INSANE to me.
I think peer pressure, maybe. My daughter paid $1250 to replace the clutch in her 2007 Civic and people tell her that she should have purchased a new car. I don't get it. This one is still cheaper to own. There is no loan.
I don't know, Caleb's videos these days just feel dramatic, over the top and overall trying to shame whoever who comes to his show. Gone are the days where i find his videos actually helpful and him being authentic. Edit:typo
Yea, he will complain about certain things just for the sake of creating drama at this point. Like getting mad about those parents buying kid toys on Amazon
Insane that he is so set on working his current position and DoorDash when, in his own words, the amount of driving he has to do has "driven two cars into the ground". If he makes $25k/year on DoorDash, he would still not have made enough to pay off the two cars he's already burned out to do the job, let alone the car on which he currently relies. When Caleb says "are you accounting for depreciation? are you accounting for maintenance?" this is EXACTLY what he means.
This is sad, I’m a year younger and went thru the same thing. Know your worth brother, don’t waste time on chicks whose standards are for men they don’t want to attract. In other words, we see them as an angel when they’re self absorbed
@Britt4880 that's exactly how my ex was. We got married after THREE months...it was overall a horrible marriage and we divorced two years later because he was cheating and wanted to marry them. I'm much more careful these days! Lol
Man, 15 minutes in and I'm rooting for this guy. Thus far he is not combative, seems to want the help, and doesn't seem to deflect away from his mistakes. Hope he comes back with a good update in the future.
Hoping for the best for this guy sounds like he has been through a lot of difficult things in life and he is still optimistic and determined to get through this difficult road of debt payments ahead. Good luck to you sir, rooting for you to turn this around.
Honestly, one of the most enjoyable audits so far. here's obviously something deeper happening to this guy and he might be living an early midlife crisis, but I appreciate his willingness to take the criticism and at least not losing being completely oblivious to the reality of his spending or having ideas of grandure. Actually, the fact that he just wants to live a very peaceful and quiet life is something I find really respectable about him, especially considering the other people Caleb has had here. I think if he manages to tighten up his budget, really tackle his debt intelligently and learn how to cook efficiently, he'll be able to pay off his debt through avalanche/snowball method and be able to take less hours at work and in turn feel less burned out. Good luck buddy.
Hope dude sees this. This is what I would do if I were him. -He said he's got 100 bucks a week going into retirement. I'd cut that out rn. He needs that money. That action alone would have him breaking even on money and actually have an extra $100ish in the budget. -Then I would sell any unnecessary stuff in the house. Couch is going on FB marketplace, TV going on FB marketplace. Any unnecessary clothes, shoes etc are being sold if they can be. All this money stacked to attack his smaller debts so he can mimize those payments. -He needs to talk to his uncles/brother. Dad has got to go. He needs a roommate in that house now. -In his free time I wouldn't be getting a third job. He should do calculations on what he's actually making on doordash when he factors in gas costs. And with that I would be searching for a substitute second job that makes more. Doordashing may be worth it moneywise but I just have a feeling it's not if he did those calculations. IN all those restaurants that he's doordashing at I would see walk in and see who's hiring and what they're paying. This can also help him on food costs bc working in kitchens you usually get at least one free meal a day. It depends on the place but again that could make that $300 grocery bill lighter. (just remembered bro works at a grocery store. Not sure how it works in Oklahoma but he might be getting deals on groceries, he should definitely be taking advantage and pay attention to when things are on sale) -Obviously cut up and cancel all those credit cards. He can't use them anymore. This should be number one tbh - He might be able to take a loan from himself on that retirement account. It's only 5k but he should be able to loan himself like 1k of it. Not ideal, but depending on the rate, it might be worth it to take the loan of himself and pay HIMSELF back on that retirement account to help kill off those smaller debts and minimize those monthly payments further. -Those cars cannot sit on the lot. I would do calculations to see how much he'd be in the hole if he sold vs repaired each car and compare them to each other. It might be worth it to keep one of the old cars and sell the newest one. There's obviously other stuff to do like talking to the lenders about insurance, talking to his boss about a possible raise or overtime, etc. etc. He's in hole rn but this is not hopeless. If you're reading this I am rooting for you and I really think you can get out of this.
