Military Wife Is Choosing Eating Out Over Her Future | Financial Audit

Подписаться 1,5 млн

Просмотров 431 тыс.

50% 1

▶The best budgeting program online, at the most affordable price: go.calebhammer...
Thanks to SoFi for sponsoring this episode! See if rates are competitive and if you can save money on your student loans by going to www.sofi.com/c...
▶My team and I will personally review your budget and put you on the right financial path going forward: go.calebhammer...
_______________________
▶Resources I use/would use (with discounts/sign-up bonuses):
1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: creator.sofi.c... *affiliate link
2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: j.us.moomoo.co...
-For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: j.moomoo.com/0...
3) Coursecareers: Get qualified for a better job and increase your income: coursecareers....
4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: mintmobile.com...
5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: aura.com/hammer
_______________________
▶Fun things:
1) Exclusive episodes, private Discord, BTS, and a special thank you: / calebhammer
2) Rules For Not Being A (bad word): www.calebhamme...
3) Merch: The most fun website: shop.calebhamm...
_______________________
▶My socials: linktr.ee/cale...
▶️ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: calebhammer.com...
_______________________
▶Sponsorship and business inquiries: bunsiness@calebhammer.com
_______________________
These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________
▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.
▶Sponsorship and business inquiries: business@calebhammer.com

Опубликовано:

14 окт 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 1,7 тыс.

@LaylaLover90 Год назад

Thank you to Caleb and these videos, I have a fire lit under me and just paid off one of my credit cards. Paid off then close it; no more cards/debt for me! Just 2 more to go! Cheers!!

@CalebHammer Год назад

That’s AMAZING!!!

@trevorturgeon211 Год назад

Lmao u should put that money towards the credit card but if this is your celebration money then good for u!

@trevorturgeon211 Год назад

Also I wouldn’t close it, u would get a better credit history/rating for having a larger line of credit to pull from

@brahtrumpwonbigly7309 Год назад

@@trevorturgeon211 sometimes the temptation is too much.

@etikbfxju57 Год назад

@@trevorturgeon211 the irony lol it's all good

@estellegetty1995 Год назад

She's easily the most likeable guest. With everything she has on her plate all she did was complain about the gas prices in san diego...lol. shes adorable and im wishing her the gd best.

@shortseason7497 3 месяца назад

Yea!. I also think its way more interesting seeing someone relatable with smaller financial issues, than people with 50k credit card debt who are also in denial. More of these caleb

@ajolleyduck2933 2 месяца назад

You're a sweetheart. Have a great Sunday.

@ajolleyduck2933 2 месяца назад

@@shortseason7497I agree. So much nicer seeing someone nice who acts like she wants some advice.

@Lynnys1 Год назад

Really thought she was a bit flaky in the beginning but she’s really on the ball. Asking good questions and is LISTENING to the responses. And helping her sister. She seems like she’ll do well in life.

@Jimothy-723 Год назад

she is in her early 20's. of course she is flaky. if your a 20 year old with everything together, that makes you a signifigant odity.

@margaretbehre6461 11 месяцев назад

Agreed. I feel like she is actually a lot more financially mature than a lot of folks on this show. Love to see it and definitely rooting for her!

@PapaChen Год назад

Really appreciate all the people who choose to put their financial situation on display for all of us to learn from.

@Americansikkunt Год назад

Most poor people are poor because of spending choices

@williamedward3198 Год назад

And most poor spending choices are because of? Education, awareness, financial literally, mental health, impulse control, purposelessness. Go deeper!

@Blueblanket134 Год назад

@@Americansikkuntoh reallly? No way! 🤦‍♂️🤡

@Pinoyguitarist5 Год назад

@Americansikkunt depends how much people make and cost of living in the area. There only so much to cut spending before hitting a point where there no more left to cut. Different people, different circumstances.

@Vaxxedhole Год назад

Most poor people try to emulate the rich. It's rather hilarious how those who scream for "muh reparations" would blow through the money faster than anyone else on the planet. Those freaks need to be put on this show so we can publicly mock and ridicule them for spreading such ridiculous ideas.

@bri4550 Год назад

There’s something just so refreshing about an insanely transparent person who just completely disarms Caleb 😅

@aUNCtarheeel Год назад

Agreed I love her personality she is probably my favorite guest so far.

@Pugtail Год назад

Well yeah cause he's always looking for a reason to say something petty and release his little baby rage

@cleansweep1074 Год назад

@@PugtailI find it entertaining 😅.

@Pugtail Год назад

@@cleansweep1074 i find it both entertaining and sad. The channel is basically 'two unstable people, one mentally and one financially, meet for a discussion'

@mallory7422 Год назад

@Pugtail why are you here?

@hofx666 Год назад

Sad how many early to mid 20 people are having to step in and help raise their siblings because of bad parents. Hope it works out for her. Good to have a curveball guest who doesn’t have an ego or think they can’t live with unnecessary stuff. Very likable person.

@mindoablues Год назад

Depending on how much she pays for them, she might qualify for a dependent tax credit too

@genxx2724 Год назад

It’s true. She’s just very immature and never had a proper example. She’s doing better than anyone else he’s had on. She’s not spoiled and entitled. She will succeed. If she and her husband are smart, he’ll stay in the military and she’ll keep working and investing. Even with kids, she should work part-time just to max out her retirement accounts. They will retire with a military pension, benefits, and millions in investments. Ka-Ching!

@bulldozer8950 Год назад

@@genxx2724and she’s disciplined with money. She saved up 8000 for a down payment for a car and they didn’t ask for a down payment? She just paid it anyway. She always pays her credit card on time. Even if she makes questionable decisions sometimes, her overall thinking with money is disciplined and responsible and so as long as she keeps that up she can pretty easily avoid the traps other people on this show fall into and avoid any terrible situation. As long as she builds the habit of saving to have an emergency fund and saving for retirement she should be set for a safe situation, especially if she can continue to increase her income.

@M_SC Год назад

It’s not a coincidence that these people are in financially iffy or bad situations having grown up with incompetent parents. Feel bad for them, everyone deserves a decent set of parents

@genxx2724 Год назад

@@M_SC These days parents are so bad, not having any appears to be an advantage. Everyone else on the show had parents and were soft, spoiled, entitled, and trying to keep up an IG-ready image. This girl is hardscrabble. She seems almost straight from some hillbilly place. She will succeed.

@SirStuckey Год назад

All things considered I am impressed by her. She just turned 22 and has a decently paying job and little debt. Also, started her 401k already. Her small mistakes seem very fixable. A lot of young people don't do these things, let alone young people who probably learned very little about financial responsibility from their parents. Kudos to her

@M_SC Год назад

This sums it up well

@tessahiggins8142 Год назад

Agreed. I think she's a little silly but she's 22. She not doing bad at all.

@hanspz5505 Год назад

Why was she even on here 😭 felt like she just wanted a chat and a pat on the back 🤦‍♂️ boring as hell

@awdrifter3394 Год назад

The only really bad debt is the car, which isn't even that high of a balance, it should be ok. As long as she can resist the urge to cash out the 401k when she encounters an emergency.

@SirStuckey Год назад

@awdrifter3394 While it's a bad debt, you can tell the bad part of it was a mistake instead of indulgence. She paid too much because the dealership B.S.'d her based on her already approved loan. She also made the loan time way too long. That sucks, but she's young, and that can happen. Meanwhile, she wanted to put 8k down and got a semi decent interest rate considering she is young and this is probably her first real debt. Considering how many people on this show buy pretty stupid vehicles, I give her extra credit that she was buying a Corolla with the mindset that she wants it to last her a long time.

@jennifer.martin.48 Год назад

As a veteran, I’d recommend for her to get a GS job at the Naval Hospital in San Diego. She would get a higher priority in the hiring process since her spouse is Active Duty. If the could live on base housing, I’d recommend that since the housing allowance they give to Active Duty isn’t covering the high rents in those areas. Good luck to them! She’s in one of the best spots from all the other audits I’ve seen.

@nineteenfortyeight6762 Год назад

Fantastic advice

@JKRBW Год назад

I had the same thought! There's a big infertility clinic at Miramar, huge need for phlebotomists for that alone.

@parmawen8284 Год назад

I agree with everything. But housing in San Diego has a long wait list.

@mallory7422 Год назад

@@parmawen8284Most married military can live off base

@hanwagu9967 Год назад

well, she really needs to stop with the weed and cbd now so that she is clean moving forward.

@Tcon438 Год назад

Caleb’s pure joy in his face when he thought she had $22,000 just sitting in a savings just to then be heartbroken😂

@visioneerone Год назад

she : *“$22K”* Caleb : *bluescreens*

@davidblack6413 Год назад

This is a very together 22 year old with the right ideas about keeping costs low, earning more at a good job in health care, and wanting to maintain the quality of her relationship with her military partner. Some changes to consider -- the pot smoking, the fast food habit -- but the fundamentals are there. Great interview, Caleb.

@TheAnnoyingBoss Год назад

used carolla is an undercover top g manuver

@caramelcoffees Год назад

i got one of those as my first car and still using it nearly 10 years later @@TheAnnoyingBoss

@hillz00 Год назад

“Everything the military tells us, the next day, turns out to be a lie.” Had an ex who was military and this so spot on. 😂 she’s a smart gal :) I like her spirit a lot.

@Avanne1 Год назад

My favorite audit ever. She was a sweet heart and the simple things in life bring her joy

@shandalperry Год назад

As a 13 year Navy vet who spent most of her time in San Diego, I hope she goes with her husband, even if he will be on a ship. San Diego is beautiful, and as a phlebotomist, she’d definitely have no problem finding a job. And as a married couple, they’d have a housing allowance. My philosophy is that you can always come back home. The Navy will even pay to move him back home when he gets out, too, so there is that.

@brianagillustration Год назад

If he sticks with the Navy for the full 20 years he'll get a nice retirement on top of 401k AND Social Security. My parents both did 20 years, my mom makes a bit more, but I've seen their account balances and it's nuts. o.o

@shandalperry Год назад

@@brianagillustration my husband retired after 22. He still works, and he has no problem telling managers that he doesn’t have to put up with their BS because he already gets disability and retirement pay. They have a hard time even digesting that information lol

@TOXIC-jq3ry Год назад

San Diego is a shit hole these days, and I don't blame her for not wanting to live on a ship. I'm sure it's hard to find housing, as well. And quitting her job on top of all that? Yeah, I don't blame her if she doesn't. I'm a milspouse and having to quit your job to move, then struggle to find another one, and job hopping every few years, sucks ass. And even though BAH was just increased by $200, I guess it would depend on how much they get in general if they'd be able to afford to live off ship, base, etc.

@euenfheiejrj Год назад

@@TOXIC-jq3ryfunny you say that because I feel like Austin was a shit hole when I visited. So many people were strung out on the streets that I didn’t see in California, especially San Diego.

@shandalperry Год назад

@@TOXIC-jq3ry there’s a chance she’d be better off being with him, because she misses him already. She’s not taking the separation well. Overall, she needs to find a constructive way to cope. Get a hobby. Make some goals.

@kayjones5685 Год назад

I loved her. Her personality is everything!! Small little financial mistakes but she can absolutely overcome them. She’s my favorite guest.

@heathersandsted4250 10 месяцев назад

Totally agree. She is going to come through.

@gannondork07 10 месяцев назад

She made my day better, somehow

@drno-xc1yt Год назад

She seems more reasonable than about 90% of Caleb's guests. She doesn't have 6 figure credit card/student loan debts and she's not driving around some ridiculous money pit of a car that's going to depreciate from 60K to 10K by the time the note is paid off.

@gitseht4216 Год назад

Sure, no student debt but $22/hr and not much room for growth is scary too. Aspiring to be a mom has different costs than having a career and there is nothing wrong with either of them.

@WilC379 Год назад

@@gitseht4216Most people at 22 aren't on the career path that is taking them to what they end up doing in their 40s. It's the best time to figure out what you actually want to do before you have too many responsibilities to take risks.

@hanwagu9967 Год назад

@@gitseht4216 what are you talking about? She is 22yo so she has plenty room for growth. She can get additional training and education, etc. Your ability to do so doesn't suddenly end jsut because you have a $22/hr job.

@gitseht4216 Год назад

@@WilC379 But you're also hampering your earnings potential. I'm not knocking it but simply saying "no student debt" is not the end all be all.

@gitseht4216 Год назад

@@hanwagu9967 does working on a bus drawing blood have a lot of room for growth? would schooling have her up to $30/hr at 22 instead?

@pushcatnash Год назад

y'all sad men calling her a dependa just cause she's a military wife. she's 22, works 50 hours a week, makes 50k a year. she puts stuff on her card and he pays her back.

@brianagillustration Год назад

she's the farthest thing form a dependa

@nicknacks7824 Год назад

And helps raise her siblings AND is willing to work more hours.

@teeeteee000 Год назад

Who called her a "dependa"?

@MrJessenava Год назад

The internet in general has gotten so damn misogynistic. This shit is sad but it isn’t surprising anymore.

@Sadreath Год назад

I have scrolled this far and nobody called her dependent. If anything Caleb was the one who clickbaited that she was a military wife

@Shealynne7 Год назад

Though it is weird for most people, I have to applaud her for getting her finances together when at least one of her parents clearly does not have their life in order.

@DevHazy Год назад

❤❤❤❤

@JevArchives Год назад

Nah they both clearly don’t bro doesn’t have a bank account and the mom is literally just insane it sounds like

@Shealynne7 Год назад

@EliteCaNdY232 Fair enough. No details were given on Mom so I was generously giving best case scenario. 😵‍💫

@rebeccashields9626 Год назад

Yeah and taking care of her little sister! That is a lot to handle for a young person.

@twildabuckingham Год назад

Though what is weird for most people?

@WesAppe21 Год назад

She is very self aware and understands how to accept help. I respect that.

@tgime1 Год назад

What a charming guest, love seeing a hardworking young person get the guidance they need while it’s still early

@bko2613 Год назад

I wish Caleb would create a hypothetical person who would receive a 10/10 so we could know what that person did to get the 10.

@JustForFunST Год назад

I have to thank Caleb for always yelling about math... I just pulled $1200 out of a high yield savings (4% interest) to pay off $1200 credit card (18% interest!). I didn't know how bad the interest was until I started watching this show and actually checked!

@shanarobinson7672 Год назад

Congratulations on paying that debt off!!!🙌🏿🙌🏿🙌🏿🙌🏿

@bjarne431 7 месяцев назад

That sounds like a good move

@JustForFunST 7 месяцев назад

@bjarnelundgren271 7 months later, I have no bad debt and $8,500 in my emergency fund. In another month I should be at 10k!!!!

@SamSolo43 Год назад

roy was such a genuinely pleasant person to have on the show! i feel good about her changes, she has a good heart and she means well to take care of her family and her future. would love to hear back from her in 6 months!

@mandizmouth2952 Год назад

I knew Caleb was smart but today he reached Mastermind status. He dropped a Financial Audit sponsored by SoFi about student loan refinancing at the SAME TIME we get the announcement that SCOTUS says no student loan forgiveness. 🤯 Well played, my man. Well played. 👏

@gidgetgetscrafty Год назад

Dang, I hadn't seen the decision yet. (Even though I knew this was the most likely outcome.)

@Warhead_235 Год назад

@@gidgetgetscraftyit came out this morning

@PaladinSalt Год назад

Thank god all of the justices are actually good on this issue and voted that down. That was so illegal.

@Wigitfive Год назад

@@PaladinSalt they had 3 dissenters not 'all of the justices' were onboard

@fissefiesta8162 Год назад

SoFi offered me 8% interest to refinance my loans. that’s some bs

@gabezat348 Год назад

Ever since watching Mr. Hammer I could confidently say my score went from 0/10 to 1/10 🎉🎉🎉

@kimtaro9575 Год назад

Her situation isn't too bad! Her dad didn't model financial literacy and she's doing her best to learn and do better.

@kingben7962 Год назад

It’s hard to learn on the spectrum 😢

@Ojisan642 Год назад

I love her spirit. I feel like she can do it! Rooting for Roy!

@Itsangiea Год назад

*** Coming from a military household stationed in San Diego right now!*** Planning moves/living based on military housing is horrible. They tell you months in advance when you’re moving but based on schooling etc that can change and mess up your moving cost (rent/mover quotes) They shouldn’t do military housing, they should rent local. They’re going to take all of his allowance. Renting outside is cheaper and he most likely will save ALOT OF MONEY.

@quixomega Год назад

She's not totally destroyed by debt, but she could really use to improve her money management skills. This audit could be a good first step.

@lot2196 Год назад

Yes. I wasn't smart with money at 22 but I didn't dig a big hole with student loans or cars either.

@kennymondesir188 Год назад

⁠@@lot2196I think that’s where I am

@urgadurga 9 месяцев назад

@@lot2196 I'm 23 and thank God I've been smart enough not to go $0.01 into debt. I know multiple people who took out student loans and then didn't even get their degree. My ex went to school for a single semester and owed a few thousand because of it. It's insane.

@altamistral Год назад

Rating "Retirement" without considering age is seriously dumb. Having started a retirement account at 22 year of age is excellent and should be rated highly: she is actually ahead most of her generation.

@sspann Год назад

Bruh, she has $600 in a 401k and no ROTH. Idk what your scale looks like, but that sounds like a 1....FOR NOW. She clearly has plenty of time left, which is prole why Caleb didn't use his typical 'scare the bs outta them so they can realize how screwed they are' approach. But a 1 is still a 1😅

@altamistral Год назад

@@sspann Still more than what most american have by that age. Those 600$ are worth 12k to her retirement.

@sspann Год назад

@@altamistral like Caleb says, "Most Americans are financially dumb", so why hold yourself to that standard. We can do better. We have Caleb🤭

@TheRealMjb2k Год назад

I agree, his score was egregiously low this time. A lot of people who work higher paying jobs than her don’t start until 22-24, depending on when they might finish college, but should those people get a 0 for retirement because they’re a month in to their careers and only have contributed a few hundred to their portfolio? Really doesn’t make sense and his score was very low. His expenditure score of a 0 was also too low. She was literally spending exactly at the 30 in the 50-30-20 rule, so her “BS” spending was not egregious. He only gave her a 0 because she had just a few thousand in savings to act as an E-fund, but if not having an E-fund means you get a 0 for spending then you get two zeros effectively, and defeats the purpose of the spending category. The real estate category makes no sense because it is beyond difficult to own a home at 22 unless you inherit a ton of wealth. So you naturally immediately get a 0 for real estate and his score seems to be that you can get a 10 in real estate if you have rental properties which sounds great for a real estate score but for an overall score not so much since not everyone wants to be a landlord.

@amyomeara2515 Год назад

@@sspann she's contributing 4% and it's matched. This is exactly how I started at her age, increase a percentage point each year while increasing your income as you gain industry market value. I don't need to share details but I'm in very good shape as a result. Start small and early. No need to shame the balance of a youngster.

@michaelwronowski2080 Год назад

Here's a boba tea on me. Any leftovers can go towards some taquitos. 😂 Keep it up Caleb! Sometimes the only way to learn is to feel the heat from your mistakes. Everyone's story is different and it's great how you capture this via financial audit and provide insight towards financial literacy. I'm looking forward to your continuos growth!

@CalebHammer Год назад

Haha thank you so much 🤤🤣

@tttriple Год назад

@@CalebHammermake sure to get taquitos twice a day with this!

@marciagregory7883 Год назад

Thanks! My home equity line of credit was at $22,839 on January 1, 2023. I just paid off the last bit, so it is now at $0. I wanted you to be the first to know, Caleb, because you have lit a fire under me. Thank you so much to you and your brave guests!

@Sumire-rere Год назад

This video’s title is totally clickbait bc Roy is a gem! Just super responsible, sharp, and such a good spirit.

@queen4u281 Год назад

She needs to make her dad and or mom pay child support to her. That’s ridiculous that she has to spend her money on her minor siblings when her parents are still alive. 😮

@elenad8712 Год назад

Sometimes it's best to not to ask though. It can add stress to the relationship and the less info the parents have the better it is for the siblings. When you have parents who deal with addiction or mental health issues, you can't reason with them. Sounds like her siblings are old enough to know better than to rely on the parents.

@ses-ei7oc Год назад

Facts!

@mallory7422 Год назад

@elenapliego8712 This is also called enabling

@boatsie Год назад

…she should just use the 23K daddy parked in her savings account

@bumponalog5001 Год назад

@@elenad8712She doesn't have to interact with them at all, get a lawyer.

@knapptimezzz Год назад

I don't think Caleb gives her enough kudos for being in this spot. She gave herself a 5.5/10 and I think she was pretty spot on. Caleb only thrives on trashing people but never really gives props when they're needed. She's 22 and seeking advice with little debt when he has people in their mid 30's with crazy school, mortgage, and car debt. She's doing pretty good

@mollymolly8882 Год назад

Thanks to Caleb, I pay off my credit card now every pay check I get. I’ve been debt free for a month- I’ve even started to use rocket money all thanks to this man! Thank you Caleb for the education you have given your community and those outside it!

@pedromata133 Год назад

Congratulations! 🎉 Just curious, what is Rocket Money do or what is it for? 😮

@walker_texas5143 Год назад

@@pedromata133it's a finance budget app. Very useful

@kyasmith6149 2 месяца назад

One of the most compliant guests I’ve seen! My favorite episode by far

@hagelslag9312 Год назад

Aw I feel bad for the kids. How unfortunate about her parents. She's an amazing person for taking care of her siblings. I figured she had to grow up quick because of their situation but she's doing really well to be honest. I wish them all the best and I hope she'll get that house and those kids :)

@keashablew7728 Год назад

“Let him be a big boy and figure out his own fricking life.” You are the best and she’s taking the criticism so well.

@Will-zf9rx Год назад

Caleb did her dirty in the thumb nail. One of the only people to ever come on his show to actually completely listen to him.

@FlyingBri1 Год назад

With her husband in the military, she should see if she can get a USAA account and get a new quote for insurance. It may or may not be cheaper, but they're coverage is usually great.

@WinterIsWelcome Год назад

This is a great idea. As someone who shopped around and gets USAA insurance because of a relative, I’m certain she’ll get a cheaper rate with better coverage.

@T.S.000 Год назад

And if she does not already financed her car with Navy Federal Credit Union, then she could try to re-finance her car for a better interest rate.

@hanwagu9967 Год назад

USAA has gone down hill. Geico and AFIE provide much better service to military.

@TheAnnoyingBoss Год назад

Usaa has been a blessing. When i was first trying to get a card everyone denied me unless it was secured and im not wrapping up my bill money promising to pay my bill and then usaa was the only place that just approved me for 1k and i maxed it immediately buying stock, paid it off in full, asked for a limit increase, went up to 7k, applied for another card, approved for 6k. But why would i spend the money at these rates? 😂

@ashmeyer21 Год назад

I love the young guest. They are just getting started so even if they make mistakes they still have the potential to change their mindset and make their money grow. 😊

@mariguzman7752 Год назад

It’s awesome seeing a young guest take Caleb advice seriously 😊 she’s on a great path !

@youtubeuser206 Год назад

hey mariguzman 😊😅

@jkidtaco5 Год назад

Caleb’s sneeze in the beginning took me out 😂 , bless you.

@CalebHammer Год назад

🤣🤣

@MariaAlexandraR 2 месяца назад

She is so adorable and very intelligent and aware!

@shanelouislights Год назад

Money guy car rule is 20/3/8. 20% down, paid off in 3 years, payment no more than 8% of gross pay. And should be investing more than the car payment. Great content as usual! These have Inspired me to generally chat with friends about how are finances are going. Keep it up!

@Username_CC_ Год назад

They're my fav

@hanwagu9967 Год назад

Money Guy also provides some nonsensical financial advice, too.

@heathersandsted4250 10 месяцев назад

She’s honestly a smart cookie with a lot of responsibility on her shoulders.

@CurlfulThoughts Год назад

My husband is currently stationed in SD. Military housing is your best friend, girl. We live in a home we could not afford if it wasn't military housing. She's gonna get here and completely change her mind. 😂 Edit: She needs to apply for her CA phlebotomy license now! CA licensing is S L O W, but they pay more than she's making now.

@kjsaaaaaaaa Год назад

For some military spouses, leaving our families and personal lives behind is not worth the move for housing compensation. Sometimes being near family is more important.

@allisonatwood1945 Год назад

Caleb always says "Give yourself a score, 0 out of 10," instead of "0 to 10," but that's perfect because most of their scores are in fact 0 out of 10 😂

@jakeb9188 Год назад

Lol was wondering if I was the only one hahaha

@William47345 Год назад

it means the same thing....

@allisonatwood1945 Год назад

@@William47345 it doesn't

@OutlierConcepts Год назад

Glad ocd isn't alone lol

@William47345 Год назад

@@allisonatwood1945 yes it does. its meaning out of 0 - 10 what score do you pick. If you can only comprehend something based on one way its said you have a low IQ. Any normal human would and does understand him and its make 100% sense. only to OCD tisum people does it matter. see a neurologist please.

@helenhale9330 Год назад

Yes thank you Caleb for having compassion for the younger sister

@lindsayb1189 Год назад

So thrilled I found your channel - I've been binging the videos for weeks now. You have a great variety of clients and it is so interesting to understand how other people manage their finances. Thank you for giving the gift of financial insight and clarity. Can't wait to see where your channel will go from here!

@CalebHammer Год назад

Thank you so much ☺️ ❤️❤️

@vizzzzzzzle Год назад

It’s always a good day for a financial audit day!

@thomasreese2816 Год назад

She seems like the most level-headed and best off people of those you've chatted with

@meaghanpike2424 Год назад

Caleb has begun to help me so much. I deleted the sephora app and dropped ipsy, where I was too tempted to buy the fomo deals. Also...started saving finally and the best part is everything I'm learning (late for me) ....I am teaching my kids about now to set them up for success! Thanks, Caleb!!!!

@TeKnoVKNG23 Год назад

A 2016 Corolla goes for 15-20k right now depending on mileage so she didn't really "pay to much," she just didn't have any idea how to buy a car. Corollas are pretty bullet proof and hold their value well. I would laugh at any dealer who told me I couldn't put more than 2k down and walk right out of that dealership. Family situation sounds crazy. Should go ahead and spend "dad's money" to take care of the little sister.

@kate39826 Год назад

I love this girl "Is your dad a weird guy" 'yeah he's a real weirdo' 😂

@genxx2724 Год назад

Poor little thing. She landed on her feet. She just needs to straighten up and grow up. When she and her husband are in their fifties, wealthy and retired with grown kids, they’ll laugh at how dumb they once were.

@rachelhelmich Год назад

She seems like a personality who may enjoy participating in community gardening - different places have different setups, but she may be able to get a small plot for a small annual fee and grow some food to also help offset costs. That's what my husband and I are doing this year (I'm lucky in that my work actually offers the plot, but most likely it will be through local community rather than work). However, I also grew up selling produce at a farmer’s market and grow plants for a living, so it may be more difficult for someone new to gardening.

@rachelhelmich Год назад

Also, I highly recommend finding international grocery stores - at least where I am, they tend to be cheaper for fresh vegetables

@Charlie-nu6lo Год назад

Probably my fav episode. She has an awesome personality & super positive outlook on everything. Definitely will watch the follow up.

@nationalsocialism3504 Год назад

She seems soundly grounded considering her family upbringing with crazy parents & taking care of a younger sibling... just clueless like the education system sets us all to be.

@graceguetschow4198 Год назад

"I'm not gonna let that man do any more than that cause I'm tired of being by myself" Girl I felt that. I'm a fellow military wife and the distance is NOT FUN. My husband started basic January 9th and we've been long distance for 29 weeks. He comes home tomorrow and as sucky as the time apart was, it went by quick (even though sometimes it didn't feel like it). You got this! One more month and you'll be back with your hubby, months fly by so fast :)

@jeffreykershner440 Год назад

Military kid here (now grown up), deployments were really hard, especially when I was 12 through late teens. I spent a lot of time really wishing I could talk to my dad about stuff. It's probably different now with better technology. If the military parent can get an assignment not on a ship, that is best!

@dabrick100 Год назад

Very likeable guest today! Looks like shes willing to grind the job and build a great future! Refreshing to see a more hopeful financial audit today!

@EnrageD420 Год назад

This is one of the most receptive and hopeful young auditee's you've had. I have hope for this one, and usually anyone under 35 on here feels hopeless. I barely heard any coping in this interview and it was refreshing. I hope she has a successful future.

@beekay700 Год назад

Would love to see a catch up in 12 months time for this gal. She’s so young and has so much opportunity for a great financial future! Well done Caleb!!!

@BitterTeaBunny Год назад

She is so genuine! I believe she will do well and actually use his advice. It sounds like she didnt have parents that could give her good advice, so Caleb filled missing piece for her. She is obviously very smart, and eager to learn. She listened intently, didnt make flippant remarks and asked really pertinent questions. She is about the same age as my kids, and im really impressed by her!

@kiritokirigaya5972 Год назад

Thank you Caleb and all of the people who come on his videos for helping other people out by showing your financial situations. I'm lucky to have stable finances and was taught at a young age how to use money, but because of these videos for the first time ever I'm truly budgeting. Beforehand I made a budget but I didn't really track anything. Thank you for showing people how important it is to save up for their future and not just live in the now. I will continue to constantly binge your content, lol. For the last few weeks it's been my favorite thing to watch!

@lrbthsn Год назад

She seems like a total sweetheart, I wish her the best.

@gabbyg2724 Год назад

Hey Caleb! I'd like to see more active duty military financial audits! The military offers a pretty unique financial situation for both the member and their spouse (i.e. moving, retirement pension, rank/years of service pay increases, etc.). I would be interested to get your take on how to optimize the constant uncertainty of where and what next. Thanks!

@CMac1121 Год назад

You likely won’t see many active duty service members on this show if they have lots of debt because that can negatively affect their security clearance.

@percypercy-read-all-about-it Год назад

Interested in this too! Not all financial audits have to be negative with debt. Debt does play a role in security clearances, however, financial literacy does not.

@hanwagu9967 Год назад

why? @Caleb is clearly not familiar enough with military situation to be advising anything. He is ignorant of many things which directly impact Roy's finances, so it's cringeworthy to hear him provide advice on her budget and is harming Roy more than it is helping. There are universal basic fundamentals, but her situation is just beyond his scope of knowledge.

@gabbyg2724 Год назад

@@hanwagu9967 can you clarify?

@JohnGrayFinance Год назад

there's something calming about how transparent she is. This is great.

@kennydlite Год назад

Just made breakfast. Perfect time to watch Caleb's blood pressure skyrocket while he scolds monitarily flippant people

@fifiandthegoldensax Год назад

Paying into a retirement account wasn't even on my radar at 22. She's doing just fine.

@pwngrown Год назад

This young woman has a great head on her shoulders and is super sweet! Yeah she has some stuff to improve but she seems to be in a good place and seems to have gotten there with little to no guidance from parents. I wish her all the best!

@dylanwagner4018 Год назад

Probably one of my favorite episodes. Although she’s in a very interesting situation she was asking all the right questions! Her personality was also adorable.

@cindygomez9707 Год назад

I know she's living in Austin, but everything about her screams Wisconsin to me. I wonder if she's from the rural midwest.

@Thefluffytutu 5 месяцев назад

I’m from Wisconsin… she surely isn’t from WI!

@purge440 2 месяца назад

@@Thefluffytutuyou know everyone in the state? lol

@LordUroko88 Год назад

This is one of the better people ive seen you audit. Wish for nothing but the best for her, her family, and her husband

@kellytodd7060 Год назад

This lady was absolutely enjoyable. I appriciate her transparency and humor. I hope she gets to experience San Diego. Such an opportunity.

@ehawkx1103 Год назад

She seems like a genuine person who has a better plan than most, she is definitely one of my favorite guests!

@Mexicanmike87 Год назад

Watching your videos has helped me and my girlfriend realize we’re doing poorly financially. We just put off our vacation to focus more on bills. We plan on having no fun until October to pay off our credit card more and put money into an emergency fund. She just found out her savings account is growing at 0.07%, I opened a savings account with capital one and it grows at 4.1%

@shannonsampson3267 Год назад

My husband is retiring from the Marines today! We got married at age 20 and 22. We have 8 children together. Military life has the potential to grow incredible wealth when played correctly. I'm glad she's in your studio. She needs therapy and financial guidance. Her life with her husband can be awesome now and in 20 years.

@florihae Год назад

While you might like it, this sounds like my personal hell

@gabegreco Год назад

8 kids holy shit congrats 😂

@janellequinn Год назад

Agreed. I retired at 20 with the AF and my husband is on Active Duty. I was enlisted and commissioned as an officer at the eight year mark. There are many opportunities to excel and achieve financial success.

@Julia-b9x Год назад

@@florihaeI was thinking the SAME thing!!

@knighthawk9123 Год назад

8 kids, what the fuck?

@Bigdog5400 Год назад

I know she said she's 22, but if I found out she was only 14 - 16, I wouldn't be surprised

@kold4642 Год назад

I thought she was way older. Like mid 30s.

@rest0re871 Год назад

Really? I thought she looked much older than 22. 35ish like the other guy said

@FlarkusChunswen Год назад

@@rest0re871must not be in your 30s yet. It's interesting to see how old everyone looks to young people. I'm in my 30s, so she looks like a child to me, but I wonder if I was in my 20s if I'd think that.

@jlane03 Год назад

Agreed! Before she said her age I thought she was going to say 18/19.

@augustek5382 Год назад

@@FlarkusChunswen she acts young but looks to be in her mid-twenties early thirties.

@Liam___ohara___ Год назад

Always bring out the best videos and on time as always!! Making people more aware of how dangerous debt can be!!!

@draegonnn Год назад

Love the range of guests you are able to get on the show! She is in a comparable situation to me in terms of spending habits, age, and debt amount. So this was very helpful to watch! :)

@caramelcoffees Год назад

i hope it's serving you well

@ashlanlarson6859 Год назад

I’m young and not in any debt and this is was probably the most helpful and most informative video I’ve seen

@MarshallLewisofficial Год назад

Thanks for keeping up with these! They really help me stay motivated and on track!

@VancityAnu 7 месяцев назад

This is my favorite episode so far! Shes such a sweet person & i wish her all the good things in future.

@aidenhowe1455 Год назад

Watching this channel creates such an awareness in yourself. I would hate to be in the hot seat. My finances were pretty good before watching you but they are fine tuned now. Keep it up, I am glad you are helping so many people when our system promotes debt.

@amyomeara2515 Год назад

I love to see a 22 yr old putting 4% to 401K. It felt so insignificant when I was that age but you keep increasing it and eventually you’re 40 and sleeping well at night knowing you’ve planned for “what’s next”.

@MDC21122MWC Год назад

I’m a few minutes in and so far she is the most competent person I’ve seen on this channel yet

@carlariggs525 Год назад

as a Navy veteran and former Navy spouse, you better save every dime and invest it. As for deployments, she should realize he's probably going to be gone alot. advice: keep your job, get a hobby, and join the Navy wives club (for the command he's attached to). Remember, businesses like to take advantage of military people and they will prey on your ignorance.

@marinandherbooks Год назад

I love her, she is the most precious person ever.

@zacknelson8918 Год назад

Another advice is to stop smoking weed at least for the 4 years your husband is in the military, cause they do random vehicle searches at the base gates, and if you only have one car, and they find any bits of weed in the car, he can get in massive trouble even though your the one doing it and not him, same goes for cbd it's 100% 0 tolerance And after he gets out of the military. He can use a va home loan to buy a house

@genxx2724 Год назад

Even if there’s nothing in the car, the car, their clothes and everything else they own is permeated with the stench. That cannot possibly help their reputations or his career.

@zacknelson8918 Год назад

@genxx2724 the smell isn't going effect anything, even with a dog, they could just say they let there family use the car and drug test me and everything, the military goes off if they find actual evidence that can hold up in a njp or court martial. I knew someone a few years ago when I was in, his wife would smoke, and he was serving his wife forgot a small bag in the car, and he had a random vehicle search. They found the weed and get got in massive trouble. Almost at his 20 yr mark, he even tested clean, but it was in his car coming onto base

@adamswedlund Год назад

Hey Caleb! I love watching the videos on RU-vid, but I was wondering if you ever thought of making these interviews into a podcast to listen to on the drive?

@John-ib3xd Год назад

The last question you asked, "what are you actually gonna do knowing yourself?". That is the most important question to ask after all of this. Because I know how hard it is to actually stick to a budget when you have so much stuff going on in your life, as everyone does. While rewarding, it is difficult. I can't imagine a lot of people following through with the complete removal of fun, restaurants, etc. So this is a really good way to have them really think about what's next. Otherwise they'll just say "yeah I'm gonna do it" to whatever you have given as an example. Best of luck to Roy and everyone who has put themselves out there to be help not only their own lives, but everyone watching. And Caleb!

@kellyhealy734 Год назад

Another commenter said it best. Caleb is the disappointed dad energy we all need.

@aubreytheweirdone Год назад

Anyone else get really spooked by Caleb’s sneeze in the beginning? 😂

@rest0re871 Год назад

Same here lol

@aubreytheweirdone Год назад

@@rest0re871 I’m just sitting here at work listening to this and got jump-scared by how sudden it was 😅

@tianruixiao9239 Год назад

What a cheerful gal, great personality and I hope she does well in the future

@bobbyheath2474 Год назад

I was wondering who names their daughter Roy but then she said they're crazy so makes sense. 😂

@withoutlimitsbudgets64052 Год назад

Per her younger sibling she should be able to allocate some of the money that her father received for his inheritance from his aunt towards her younger sibling. She shouldn’t be responsible to be raising a younger, brother or sister. Sounds like the parents are neglectful and that’s super sad. The money is allocated in her savings account from her dad. She should call her father and let him know that she’s going to start allocating a portion of that to food for her younger sibling Along with necessities if her younger sibling needs that as well.

@genxx2724 Год назад

Yep. Everything the family court would order him to provide.

@Rebel.Matt555 Год назад

She needs to contact some Navy support groups at Coronado. They can help her out understanding how base housing works. In my experience, the spouse network is better than the military and not only can they give her some answers, they can guide her to some employment as well. There are resources, you just have to do a little research and call some people

@rachelelizabeth2880 Год назад

She's such a sweetheart I just love her! Wish her all the best! ❤

@racheldavis4356 Год назад

I think you should be using those funds your dad is keeping in your savings towards taking care of his 16 yr old daughter (assuming that’s his daughter)