The WORST Financial Situation I've Ever Seen | Caleb Hammer

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Here is my response to ‪@CalebHammer‬ - 27-Year-Old With More Debt Than Anyone Should Ever Have | Financial Audit - Enjoy! Original Video Here: • 27-Year-Old With More ... | Add me on Instagram and Snapchat: GPStephan
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Опубликовано:

16 июн 2023

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Комментарии : 322

@CalebHammer Год назад

She’s a bitcoin genius!

@mariov5035 Год назад

Caleb always leaving zingers here

@vaishnaveesundararaman7876 Год назад

Hi Caleb!

@victorbaird8220 Год назад

😊

@audreylarocco1671 Год назад

😅😅😅 is 😅😢😅😢 I’m 😅😢😅😢😅😅😅😅😅😅😅😢😅😢😅😢😅😅😅😢😅😅😅😅😅😅😅😅😢😅😅😢😢😅😅😅😅😢😅😅😢😅😅😅😅😅😅😅😅😅 smith😅😅 brown chi brown brown chi moon moon sun sun moon moon earth moon moon sun earth sun sun earth earth sun sun 😅😅 moon earth earth moon earth and 😢😢😅😢😅 sun moon moon sun earth sun sun earth earth moon earth sun moon moon sun earth earth moon earth earth sun moon earth earth and moon moon earth moon and moon earth moon episode moon earth moon and moon 😅 sun moon moon earth moon and moon moon and sun earth moon moon and moon earth moon moon and earth earth moon earth earth and moon moon and moon earth moon moon earth sun 😅🎉😅 moon moon earth moon moon and and moon moon moon earth moon moon and moon moon moon earth moon moon and moon moon earth

@CRISZTO 11 месяцев назад

I found out she’s an escort for hire

@user-hg5ir4xb3p Год назад

You missed where Caleb asked if she was actually in a place where she should be coaching other people 😂

@sleepingrogue4130 Год назад

Well that’s kind of unfair considering the fact that she’s not out here giving financial advice

@AChickandaDuck Год назад

The question I was yelling at my screen

@dylansies9943 11 месяцев назад

@@sleepingrogue4130lol it's not unfair at all, she's the captain of a rapidly sinking ship. It's besides the point though since if you look her up she's basically doing sex work, which is perfectly fine but yeah, she shouldn't be coaching anyone on anything wellness related.

@Logan-ed4pu Год назад

12:35 593 Credit score. Not gonna lie, I had several emergencies, including multiple car repairs, decimate my savings and my credit. On December 30th, my credit score plummeted to 591. I shut off multiple streaming subscriptions, sold multiple investments, drastically reduced eating out and Doordash orders (horrible enabler of my horribly impulsive side), stopped buying cigars, reduced going out, all but stopped going to see movies in the theater, and many other things to reduce spending. I had to basically restart from zero. I have worked my ass off and I am still working my ass off to reduce debt, rebuild my savings, and rebuild my investments. As of June 16th, I got an update stating my score was 737. I am living proof that it can be done, but you have to bust your ass to do it, and make a lot of short term sacrifices while keeping focus on the long term goals.

@CreamIceMs Год назад

Great job! 🎉

@rahinessani8752 Год назад

Incredible

@JuanFachero Год назад

Congratulations man

@johanacaba5219 Год назад

Wow that’s amazing! You are living proof! I’m in a similar situation dealing with divorce and an ex that doesn’t pay the debts he needs to pay which unfortunately I’m on those loans too. Sometimes we just have to forgive ourselves for past decisions and work now for a better future. I’ve worked with all the banks to set up affordable payment plans as I work to pay off all the debt. Hopefully in the next 6-12 months my credit will go back up! Thanks for the inspiration!

@Logan-ed4pu Год назад

@@johanacaba5219 you got this. I hope things get better for you soon.

@punkbassandcovers Год назад

IRS has gotta be watching every Caleb Hammer video.

@thegreatsauna2347 Год назад

Truth! So many people admit to Tax evasion 😮

@justinreel5546 Год назад

The irs need burnt to the freakin ground

@andrew8168 Год назад

It makes sense why these kids vote for higher taxes, they dont pay them.

@moneythinkers Год назад

It’s a lot sadder when you realize that a ridiculously high percentage of people are also living in this loop

@kevindelcid4940 11 месяцев назад

Really?

@verybigboss 10 месяцев назад

@@kevindelcid4940yes, really.

@strenifstrecs2551 10 месяцев назад

@@kevindelcid4940 They don't teach financial literacy in school so unless your parents teach you kids are getting out into the real world knowing nothing about money. Then they see they can get credit cards, and take out loans, all without knowing the value of the debt/interest they are taking on. The fact this girl is talking about an 'extravagance mind set' is a symptom of another issue young adults face. The spiritual gurus conning kids with BS finance advice. "If you put out that positive energy, the universe will return it to you!" At the end of the day, it's a bunch of kids being prayed upon by people who make a living conning them into debt.

@hughrichardson7402 Год назад

Hey Graham, just a reminder to hit the like button.

@therockbottom5256 Год назад

If he doesn’t Like this he’s fake

@unashamedly1776 Год назад

The idea that we should “do what feels good” or “what our heart says” is one of the biggest lies of our generation.

@rnt45t1 Год назад

Welcome to modern women.

@rr-ti2xp Год назад

Agreed.

@unashamedly1776 Год назад

@@Algotube Plenty of stuff that "feels good" that doesn't add any value to the world.

@josemartinez6878 Год назад

Jeremiah 17:9 The heart is deceitful above all things, And desperately wicked

@katie8325 Год назад

@@rnt45t1 this is not gender specific

@AMillionOs Год назад

I would argue having a mindset of abundance and buying stuff she doesn't need with money she doesn't have - is the opposite of abundance. It's the mindset that you will never have enough.

@agoodlittlewitch 10 месяцев назад

Amen! I’ve never felt so much abundance as I have when I practice gratitude for what I have rather than focusing on all the things I want.

@frumpusnumpus Год назад

She didn't know a 593 credit score was bad?? 😭 Who let this woman have a credit card without explaining things to her?!

@Natem86 11 месяцев назад

Sadly, I wouldn't be so hard on her about that. When I got my first credit card, I didn't know what a credit score was either. However unlike her I learned about the art of saving at a young age. Therefore, I didn't spend the way she's spending because I wanted to save some of my money for "just in case."

@annetawney2408 Год назад

This lady drove me nuts when I watched the full audit. Every time Caleb was spitting facts, she would just respond with "mmm" like she was meditating and didnt absorb any of what he said.

@ewanfraser Год назад

I had an accountant that screwed up my taxes so bad but I checked and caught the error. When fixed the difference was thousands. He tried to celebrate and and asked for a tip because I was getting more. I told him he’s lucky I’m paying him at all.

@gummy5862 Год назад

I don’t know how accounting works, but definitely should’ve reported him to whoever certified him.

@BlackNight603 Год назад

I remember her... i laughed so hard when she couldn't even explain her job

@1juliasana Год назад

Right?? Lol

@athrunzala798 Год назад

From what I remember it was onlyfans with extra steps lol

@rw3031 Год назад

@athrunzala798 lol yeah when I found her website and she charged like 8k for 14 hours or overnight excursions just laughed. What kind if spiritual coaching is that I wonder...

@username566-jb8sx Год назад

@rw3031 how did you find her website?

@Karen.c.h Год назад

I watched this some time ago. She was so uncomfortable it made me uncomfortable to watch. She is not accepting reality. I wish Caleb did follow up videos.

@kiaraelam9935 Год назад

He does, a few guests come back for a second time

@superbigblack Год назад

I'm sure he's trying everything to do a follow up on his most popular guest.

@jlf_ Год назад

I started freelancing with 17/18. I made around 30k after taxes, and spent it all. Now I work fulltime, I save 70% of my money. It feels good.

@lanejaxon2276 Год назад

As a young adult I love videos like this because they show me exactly what not to do with my money

@CantBeHammy Год назад

Same

@acamacho023 10 месяцев назад

The way she was reacting shows she's not willing to compromise in her ways. Her situation is just going to get worse unfortunately.

@davidbobo9740 Год назад

She for sure was raised in a comfy home with plenty of Daddy's money . She's so full of smiles being broke in denial it's not funny .

@lucaberret5042 Год назад

or grew up super broke and now as an adult wants so badly to feel like she has money that she doesn't care that she's going into debt

@annamcfarland492 Год назад

This is the video that got me hooked on Caleb hammer. It was the first video of his I watched.

@sneakysnake647 Год назад

It was my first one, too!

@rw3031 Год назад

Same! Lol now when I wanna stop and pick up food I hear him yell "MAKE A SANDWICH" 😂

@annamcfarland492 Год назад

@@rw3031 haha that’s funny! I usually imagine what it would be like to be on financial audit and wondering if he would get all angry and squeaky with me… and the more I think about it the more the answer is a yes lol

@KingCzar29 Год назад

As soon as I saw the thumbnail I thought this was a second audit with her, but it's just graham 😢

@brealysia95 Год назад

This was me like 6/7 months ago. Whatever I had, I spent to MAX! Left no money. I was never taught healthy spending. My mom isn’t a healthy spender but it took my dad to get me on track because it was bad. Still bad but there’s growth

@SailorV1234 11 месяцев назад

My kick start to life was getting a tattoo of a grape vine on my thigh. Been wanting one since I was in High School but at 27 I went, “If I can get this tattoo-I can get out of debt.” I DID have to take out a personal loan to consolidate my debt because of a bad event I try not to think about any more, but I’m back on track. It’s HARD, but being able to put even $50 in my savings every paycheck is an absolute rush.

@SailorV1234 11 месяцев назад

It took me YEARS. I’m so happy (and jealous in the not envious way) that it took you less.

@dawnklug6986 11 месяцев назад

@@SailorV1234 Great job....

@Shane_Conrad Год назад

I had my headphones in and i have to say that I about had a heart attack when the knocking sound came.

@lewieanderson6579 Год назад

She is an excellent example of people who should not go into business for themselves without a regular job to help them along...

@melissachase1918 Год назад

She doesn't have control of her own life. Would u want her to be your life coach?

@amde8554 Год назад

If gwyneth Paltrow hadn’t been famous before starting Goop this would have been her episode lol. But for real it’s amazing to me how many people who work as independent contractors go on Caleb’s show and know nothing about filing taxes.

@trilladave Год назад

I truly like the longer 15-20 min videos, I always love the insight gram gives.

@jjong0711 Год назад

This is such a stereotype: The "abundance" spiritual coach who has zero business or financial sense but preaches about abundance and uses spirituality to bypass reality

@cotos8009 Год назад

I’m sorry but she just grinds me all the wrong ways To put it nicely Being a life coach but “living in the mindset of abundance because it feels good”

@sumirunihon Год назад

she just seems like a complete airhead

@vaishnaveesundararaman7876 Год назад

FINALLY! YOU DID THIS ONE!!!! THANK YOU❤

@aleksandra4720 Год назад

Hey Graham please do a video on what you spend in a week!

@TimBryan Год назад

Talking about how she wasn’t wrong about predicting Bitcoin going up is called resulting, which is judging a decision by its (previously unknown results). Not selling the Bitcoin was still a bad decision, even if it did actually go up in the future.

@nodsib Год назад

Exactly. And I bet she still hasn’t sold it, and won’t before it crashes again

@damienyuen7718 Год назад

Most people who go into serious debt never get out of it. They live the rest of their life as a slave to the bank.

@CatsMeowPaw Год назад

Every time Caleb hammers people to stop eating out, I wonder if small food shops and restaurants are sweating. It's the universal good advice for anyone trying to save money. Stop eating out. Period.

@ST-wo3uw Год назад

Good grief, never get "life coaching" from someone who doesn't have their financial life in order.

@ivanaradic3852 Год назад

Graham..sir..that knock gave me a heart attack 7:43

@ottovcr Год назад

I thought someone was trying to break into my house

@peculiarshanice4586 Год назад

Same!!! I got my earphones in too😂

@tiffany.Elizabeth. Год назад

Yes!!!

@Panpizzadeluxe Год назад

She seems like a nice person, just naive about personal finance. hope the best for her

@libbysworld7649 Год назад

This woman ALWAYS makes me feel better about any of my past financial indiscretions. I doubt her authenticity at times though. She's LITERALLY untraceable. So I'm not sure this is her name? I don't know.

@alonzoperez2470 Год назад

Yes, just try to approach everything you see on the internet or on TV with a large grain of skepticsm by default. Meaning: for all we know, this entire segment, and all others like it, may be entirely phoney and scripted from the get-go. It's near impossible to know for sure with things we see on-screen

@bulldozer8950 Год назад

@@alonzoperez2470it might be, but likely even if it is the base situation is based off actual people, because often it’s easier to take real stories and use them as a skeleton and modify them than make them up entirely. I think this show specifically though probably is real because most of the people are traceable and some of them even are creators or influencers of some sort who clearly came on in part to promote themselves and those people are entirely findable and I don’t know why they’d fake only a few of the episodes. But ya you should never take these too seriously as they absolutely are the true stories of real people because it is possible the stories are mostly true but slightly modified for some reason, and sometimes they are entirely fake.

@alonzoperez2470 Год назад

@@bulldozer8950 I mean, when it comes to personal finances, it tends to be a very sensitive topic. I've had disagreements and arguments even with relatives when personal finance was the topic of conversation. So, I don't know, man. I can't imagine people openly sharing their personal financial lifestyle in a single RU-vid video for thousands, if not millions, of people to watch. It just seems off to me.

@motofreak2772 Год назад

@@alonzoperez2470 when Caleb was smaller I messaged him and he had asked me to go on the show. I think he was paying $1000. For most of these people in bad financial situation it's worth exposing themselves for that quick cash. As he gets more popular though it may become harder, but there's always an abundance of stupid people so I'm sure he won't have a problem. I'd guess everything we have seen so far has been real.

@keithmoriyama5421 Год назад

Shouldn't a "Life Coach" actually have their life together before you lecture others?

@lindala2602 Год назад

A lot of doctors have really unhealthy lifestiles

@jandipopo_art2012 Год назад

So proud of my boy caleb for being on this channel, lets gooooo!

@fishroy1997 Год назад

I mean, it's easy to steal popular content

@michaelswami Год назад

Life coach/ positivity counselor, first thing to be cut when times get tough.

@Marvin-iy8ic Год назад

I remember watching the video and reading the comments stating she is using the spiritual guide as a front for being a call girl based on her website

@wednesdaysbliss1 Год назад

She’s a tantric coach. Way different than a call girl.

@damienyuen7718 Год назад

@@wednesdaysbliss1 So she gives HJ's. 😂

@lucacrespi88 Год назад

@@wednesdaysbliss1 she is an escort.

@fc7307 Год назад

@@wednesdaysbliss1 That is what a Front is.

@oompers9 Год назад

@@wednesdaysbliss1 she's a tantric coach, she is exactly a call girl XD

@nathanmcguire1437 Год назад

Hey Graham, when is the iced coffee hour merch coming? I can’t wait for it!

@lilaisamom Год назад

Been waiting for this reaction vid 😅🙏 Ty

@jaycgibbs Год назад

I don't think it's likely that her best months are when people are doing poorly in life. I think people who have just lost a job etc are likely to perceive services like this as non necessities and cut them. I would think she'd do the best during times when people feel confident enough in their base financial security to invest in themselves and their mental health more

@mscandyclash Год назад

😮

@koneko-chan3580 Год назад

I agree with this

@joshuashaw2923 11 месяцев назад

Well she’s an escort lmfao so I’d imagine as much lmfao

@mammothcollector844 Год назад

Thanks for the video graham!

@hil10 Год назад

At one point, I was caught up in the same New Age belief system. I thought if wanted something bad enough, raised my vibration enough, and put it on my vision board enough, I would receive the money from the universe. Leap and the net will appear, right? That’s manifestation. But that’s not true. Sacrifice is the most spiritual thing you can do. I had to change my entire lifestyle and show that I was willing to eat nothing but rice and beans, and work two or three jobs. That’s when the true net appeared. Once I humbled myself, God gifted me the highest paying job I’ve ever had. Most important lesson of my life.

@nodsib Год назад

Yeah that new age spiritual stuff is really toxic crap

@SpoonHurler Год назад

I am not as religious as I used be but one of the sayings I still believe is "Pray like it depends on God, Work like it depends on you." If I want apples, I gotta plant all the seeds I can.

@hil10 Год назад

@@SpoonHurler I love that! Very wise.

@ammalyrical5646 Год назад

But you're the one who did all the work. Sounds to me like you did and it was all you. God didn't gift you the job, you worked so you could apply for it and then got the job offer. A great achievement. Don't discredit your own work and effort. I'd say this is true manifestation. You had a goal and made it happen with hard work and patience. I never got that whole stuff about people just expecting stuff to happen if they hoped enough. If that worked my childhood wouldn't have been what it was. But that's just me, a lot of my experiences don't seem to fit the norm. Life is what you make it. If you get my drift.

@hil10 Год назад

@@ammalyrical5646 that’s the crazy part! I didn’t do anything. I was headhunted out of nowhere on an old LinkedIn account I never used and offered a dream job after years of no luck “manifesting.” When I turned away from the New Age and told God I was his again, he delivered within days. I wasn’t even looking for a new opportunity. I had given up by then. I was humble enough to be grateful for the contracts I did have, even if they paid pennies. I didn’t have to lift a finger and the dream job was handed to me. The “work” I did was of a spiritual nature. God gets all the credit on that one, not me, haha. ❤

@johnnysbookreviews Год назад

Yep. Pay off the credit card as the interest rate is only getting higher. Also, debt consolidation through a company is risky. I would just pay off the credit cards like Graham said right away.

@JessiRoll333 Год назад

You need to watch the couple episode next !!!

@MikeDawson27 Год назад

Nice Zenith, good video, thanks for your perspective.

@christieraper5472 Год назад

I don't think she has the willpower to challenge herself to spend less. Doing the work now would enable her to enjoy more later, but she doesn't seem very willing.

@echoreactss Год назад

Two words: delayed gratification.

@susanclaire901 Год назад

I love these react videos!!

@irvxing Год назад

I always take my vehicles to get a pre purchase inspection at the dealership. Not only are they familiar with the car, theyll have the price breakdown of how much itll be to make the repairs. Having the dealership do the PPI helps in your negotiations as well. I bought a Mercedes years ago and while their PPI was $400 they dug in and went deep finding things a regular shop wouldnt evem bother looking at. In the end i got a great deal and they even negotiated to do the repairs on their end with the company that sold me the car as they offer a "warranty" on all their used cars. I got my motor mounts replaced "squeeky" door, front endlinks, rear sun shade, front rotors, and a sensor that was faulty in the auto dimming rear view mirror. Repairs were quoted over 2k and the dealership did the repairs with $0 out of pocket since the place i got the car from offered a warranty. Same thing with my honda that needed new front rotors and driveshaft seal replacement. They broke a cv axle in the process so i got that replaced for free at the dealership. Hondas PPI was only $200. Wasnt as thorough but they did the repair.

@SpoonHurler Год назад

Ugh... The "abundance" mind set girl. Mmmmmm, this will be good.

@keithrhoda9508 Год назад

Just hit the like button. All set.

@tonymerkclelive1023 Год назад

I watched the video when it came out. She can never explain her job or how it works but seems to make quite a bit of cash. I'm guessing "spiritual coach" is code for "Rub n Tug"

@chadhiggins9944 Год назад

😂😂😂

@OddlySatisfying74 Год назад

They should really just get rid.of the irs and income tax in general. Would make everything way simpler, people would have more money in their pocket and the govt gets shrunken costing less money. More money in people's pockets means increased spending means more taxes coming in. Make up whatever deficit is left (if we aren't already pulling in more taxes) to sales tax or maybe a VAT. That way the people are taxed for what they use and spend their money on and not to the ineffective, and corrupt, govt.

@justinjustice5525 Год назад

Love from Amsterdam!!

@aazoraa8139 Год назад

graham your knocking at @7:44 scared me so bad on my headphones

@KurtisB Год назад

This video was definitely scheduled to be published. I can tell because Graham isn’t replying to any comments lol.

@polunga Год назад

That video was published a while ago on Calebs channel.

@urszulasawicka2544 Год назад

Grahams comments - brilliant 😂❤

@TonyWoody Год назад

Acorns has come a very long way since that last video, and the round-up feature is just one small piece of the pie. I’ve been using Acorns for years and I’m very pleased with them. Highly recommend.

@ChristiansAdventures Год назад

What’s crazy is she’s an escort that charges like $1000 a hour and yet is wildly in debt

@mattbenz99 Год назад

How do you know that?

@Murphistic Год назад

7:43 That knocking though, I thought IRS is knocking on my door :D (Even though I'm not even in the US)

@Sharoneagles82 Год назад

Love Caleb !

@ryomaechizen4400 Год назад

Wow Caleb made it. I remember watching him when he was an up and comer.

@jake6483 Год назад

So many of his videos have really helped me to realize why I justify my own spending, but some videos just make me sad or angry. This lady was frustrating as can be, and im just a spectator

@addd21323 Год назад

hahaha you have NO IDEA how long I've been waiting for you to react to this video lmaoo

@JoshuaPagan Год назад

I could have sworn that he had 😂 I feel like I just got Deja Vu…

@jimipet Год назад

I dont think her services match more to people who are sad or just laid off. If anything else, people who just laid off, this would be the last thing they will do. In my opinion her services are more of the wealthy people who just have not piece of mind, but defenitelly wealthy in any case.

@giusepperesponte8077 Год назад

You know, I’m in mathematics and let me just tell everyone, file your taxes. The reason I’m saying this is because the government can and does use math to lay out your claimed earnings and compare their distribution to what the distribution should actually be. It doesn’t matter if you left no paper trail whatsoever, they know if what you’re claiming is even plausible based on how we know these distributions behave. You’d be surprised how accurate it is.

@lesterparker1594 Год назад

I’m willing to bet her “life coaching” involves renting hotel rooms by the hour

@chadhiggins9944 Год назад

😂😂😂

@user-cario Год назад

Hit 80k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 8k in Jan 2023

@sm1522 Год назад

Sell now if it's stocks or coins

@kronos0316 Год назад

A spiritual coach lets me know the person lives in a fantasy world and could have mental issues.

@AFFTFOMSICHTS Год назад

I truly don’t understand why anyone would pay for this. That’s what I’m baffled by

@Mekias Год назад

Spiritual Coach is just a nice way of saying Tantric / Intimacy Coach. One-on-one "coaching" is also available.

@AFFTFOMSICHTS Год назад

@@Mekias😂 it all makes sense now

@jeffrounsville4961 Год назад

Great video

@joshmcgoo Год назад

childplay - I'm 28, have a kid (second on the way) and I'm 366,000 in student loan debt

@sumirunihon Год назад

hope you're joking...

@joshmcgoo Год назад

@@sumirunihon im not

@dredayr210 Год назад

You are looking bigger 💪 keep it up

@74mykael Год назад

Your expressions are the best

@taviantownsend5192 Год назад

Mr hammer is a bloody legend

@carmellabrown3335 Год назад

I always do a pre-inspection and only buy cars cash!

@hobocyclist Год назад

"Shes not gonna see those returns in the market" Yes sir. we are all of us gambling. Watching this sure makes me feel better though

@Emman1172 Год назад

Where is this link to the acorns video he mentions putting in the video description?!? Come on Graham.

@josefinemeyer7708 11 месяцев назад

I love this

@regtalkswealth Год назад

The IRS watching and ready to come knocking the door like got ya b*tch 😂

@pierce_grossman 6 месяцев назад

what the hell man, that knock on 7:42 scared me SO MUCH :(

@Prickly-Hedgehog 9 месяцев назад

I liked this video purely because of the clip of Jeremy Clarkson driving a Rover SD when the door falls off.

@acre2122 Год назад

I watched this when it came out. I felt that I wasted my life with that chick. I am glad you cut it back a lot.

@memesquad9608 Год назад

Imagine going to her for life advice 😭😭

@batman562010 Год назад

You’re the greatest

@tigerwolf20551 Год назад

Be great if we could see follow ups from some of these debters

@Scrounge4 Год назад

There’s been two or three to come back so far

@picadosinferno Год назад

Graham, do a video on what your dog spends on food a week

@jhunter8813 Год назад

You gotta give props too her for getting in the pod .

@huntr1998 Год назад

I love how this show is now just stealing Calebs content 😂

@sm1522 Год назад

I know right??? So weird he's just become a complete leech

@ruthirwin8222 Год назад

She trades...services....wow very dicey

@nitarose44 Год назад

Spot on, Graham! That's exactly where money tracking is headed. The Bible says so.

@gracegomez109 Год назад

With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly-which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stocck portfolio