The WORST Millennial Money I Have EVER Seen

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Опубликовано:

1 мар 2023

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Комментарии : 547

@andreamckenzie8598 Год назад

Honestly, watching this episode was painful because it felt pretty obvious that she wasn't taking care of herself and that's why she's ordering every meal and just playing on the apps. She looked and sounded broken. Caleb has had quite a few of those recently.

@The_Harylaba Год назад

She is indisciplined

@SyrPipeOrg Год назад

That’s what a divided society does to people.

@thedemonnemo Год назад

Let's be frank , a lot of people with money issues actually suffer from mental illness.

@yuhno808 Год назад

It seems to be a vicious cycle. Stress > Eating-out or wasting on phone games > Broke > Stress

@billbill6576 Год назад

Being flat broke is often a symptom of a behavior or mental issue.

@SpecialK2O Год назад

Thanks for the review Graham! Since my interview with Caleb I have definitely made some changes in my life!

@anshubhatia6609 Год назад

That's great to hear! Keep it up, and congrats on buying a home!

@CalebHammer Год назад

You've got this!

@SpecialK2O Год назад

@@melevonne I absolutely will!

@sofiabl12 Год назад

I'm rooting for you! You've got this !

@HowardxDuck Год назад

I believe in you! You have the power to take control

@SpoonHurler Год назад

Graham: "Her buying a house means she's doing something right." Me: "Just wait for it."

@tashintomorrowland Год назад

This one makes me sad. I’ve been in her shoes. Unhealthy physically, mentally & financially… you just straight up stop caring about anything other than surviving the next day. Proud of her for going to therapy at least. Hope she gets the help she needs with managing her finances ❤

@DrThunder2004 Год назад

Did you get out of it? I recently started dating a girl in a similar situation and I am worried that it is impossible to make that many drastic changes and keep to them for any length of time.

@tashintomorrowland Год назад

@@DrThunder2004 yes, I did! It wasn’t drastic and it wasn’t all at once. It took a long while. And the debt took me more than a year and a half to get out of. If you love her and are willing to be patient then be patient. But I personally was not in a place at that time where I could have been in a relationship, I knew I needed to focus on myself and get in a good place before I could be a good partner to someone else. Just be fair to her and yourself!

@CynNiki Год назад

Caleb is an absolute sweetheart 💖, he's more like a disappointed dad trying to help

@natecantread Год назад

I couldn’t agree more ❤

@matthewclark2123 Год назад

Does he seem hypocritical to you? He tells people they should have more discipline and yet his Pudge is bursting out of that shirt. The answer to all of his questions is the same. I’m week in my spending the way your week in your diet.

@03nowwow Год назад

@@matthewclark2123 considering those are two completely things, no.

@MadisonFalco Год назад

I agree

@Murphistic Год назад

Caleb is really good at roasting people face-to-face...Good content, binge-worthy

@AmandaRogersarock1988 Год назад

He roasts them, but I do find him respectful as well. A bit of tough love but does really try to help them out !

@avocado7938 Год назад

Completely agree, I put his videos in the background when doing house chores.

@firefeethok_tui2355 Год назад

Just wonder why GS is piggybacking his content though, bc that is what he is doing…caleb is growing fast. It is good. But GS use to habe his own content.

@nicksitro3480 Год назад

Props to this woman for going on this show, that takes a ton of guts. I hope she gets her financial, mental, and physical health in order soon!

@TheGrahamStephanShow Год назад

Agreed!

@mmmd3429 11 месяцев назад

He needs to invite ordinary everyday successful people onto the show. Just to show people how it is done and it does happen.

@amberkumar4514 Год назад

I have an issue with saying he’s not nice. Caleb is so patient and understand and kind during these audits. He tells it exactly as it is. I think that’s the most caring someone can be.

@melgonz.6962 Год назад

He is NOT nice. Nice means agreeable, and he's not.. He's honest and kind. Much better then "nice".

@soapa4279 Год назад

Honestly it doesn’t matter if people call him nice. He simply tells these people what they NEED to hear and not what they want to hear.

@IRdatank Год назад

Nice and caring are often opposites. Knowing the difference is the key to healthy vs toxic relationships.

@abbyc.4215 Год назад

She's actually in a better place than most might realize. Many people face not having enough money, while this lady has enough but is simply spending it on the wrong things. As already mentioned, she needs to cut out the unnecessary spending. By the way, she reminds me so much (physically) of one of my favorite RU-vid channels, (Lauren's China Life).

@teresatran787 Год назад

100k in debt ($73,000 in student debt alone) and that’s a better place than most? God bless America

@abbyc.4215 Год назад

@@teresatran787 "...than most might realize." And yes, May God please bless America!

@snacaroni Год назад

She seems really nice and clearly is brave. I think the spending habits come from depression or something of that nature. I really hope she’s able to put herself in a better position.

@dylanstandridge3201 Год назад

I think she realizes she’s out of control In every aspect of her life and wants to make a change. She wanted to get roasted so someone would call out her unhealthy relationship with food and personal finance. A great first step though and you’ve got to applaud her for the courage.

@gracebryant3043 Год назад

With someone who has spending habits like hers, not going out to eat for four years is unrealistic. Yes, of course, she needs to cut the spending on going out to eat, but that can be done in a more sustainable way. Otherwise she is bound to crack, “I messed up this weekend and ordered takeout, so I should just quit because I’m bad at it and this is really hard.”

@alexandradonna1553 Год назад

i agree maybe say a few takeaways a month at least to have something to look forward to.

@turtleanton6539 7 месяцев назад

@@alexandradonna1553yeah obce a week should be fine😊

@JulieStevenson752 Год назад

Yay more Caleb🎉

@TheGrahamStephanShow Год назад

Enjoy!

@drewgraham Год назад

Yep, he is great, subbed at like 30k and hes about to be at 300k

@darex0827 Год назад

@@drewgraham same, found him in the 20k range, and he's just been exploding lately. Savage

@17h127 Год назад

Same. Glad to see him doing well.

@onetrueninjabear4408 Год назад

As someone who was addicted to the mobile gacha games they are designed exceptionally well to get you to spend. I am not advocating that what she is doing is right and personally think those games need to be classified as gambling and be made illegal but its a very slippery slope thats easy to fall down.

@MmeHyraelle Год назад

I second, they are made to be addictive and we now see someone suffering from it.

@ColombianLNP Год назад

I've been on a Caleb Hammer binge lol he has great content

@cody5596 Год назад

So glad he's getting recognized. He does a great job with his financial audit videos.

@robertthompson5908 Год назад

Good breakdown of a Caleb video. The first few times I watched Caleb I cringed because his guests are so clueless and he is brutal. But I realized he’s just very honest, and says things they absolutely need to hear, and he really does care about their welfare and wants to help them improve their lives.

@elbino413 Год назад

We want Caleb to show us the infamous $300 grocery budget in action

@turtleanton6539 7 месяцев назад

Yes😂😂

@nurdychick13 Год назад

After hearing your comment about the credit interest I literally immediately paid off my 3k credit card bill, I had the money it’s just hurts to see that amount leave my savings. But these videos are so motivating

@WinningFinancially Год назад

"If you cannot afford Christmas, then you cannot afford Christmas!" And then the packed brick... LOL 🤣🤣🤣

@katywolffis7678 Год назад

How the heck does this lady own a home and even be able to pay the mortgage on her home when she’s spending half of her income on unnecessary expenditures. And Caleb’s right, her therapist isn’t doing her any favors if they aren’t helping her take action.

@rebeccashields9626 Год назад

Yeah she seriously needs a new therapist. If she’s been going that long and they haven’t addressed her gambling/gaming addiction AT ALL the therapist isn’t worth the money.

@mollynash2597 Год назад

Since her father helped her with the down-payment, maybe he co-signed on the mortgage?

@rustyhowe3907 Год назад

Daddy fitted a chunk of the down payment for her.

@Dr.K.Harris Год назад

Therapists are not responsible for you actually implementing techniques discussed...and to be fair, most people share half of the story, not the full context. Therapists can't help your representative 🤷🏾‍♀️

@mmmd3429 11 месяцев назад

@@Dr.K.HarrisThat's a solid reply.

@mikalbrown3227 Год назад

Delayed gratification is a hard lesson to learn. By the way any chance we will get a video on the different types of Visa cards and their meanings?

@worrier33 Год назад

Graham, do the shopping for groceries video! This is gonna be awesome! Just imagine what you can show. Do it like 2-3 sessions for a week (to have fresh groceries) and explain the list.

@nightshadesylv Год назад

You out here going to the grocery three times a week?

@brenton5200 Год назад

I really find Caleb's content handy, whenever I feel like spending beyond my budget I watch his videos and it puts me back on track. Though it seems he is roasting them sometimes he is trying to help them.

@Celtic_Amy Год назад

Everyone needs to stop giving Starbucks money. I go once a year for a Frappuccino and the price is $2 more than last year. I prefer my $4 for Cappuccino and donut at my local mom and pop shop.

@sharikagrant6379 Год назад

I go to Starbucks almost every day and it’s hard for me to let it go. One day I will stop giving them my money.

@wanderingsoul7348 Год назад

These are the people who demand their student loan and credit card debt be wiped out by tax payers money. Just stop spending on useless things and become debt free yourself. Useless people. They need strict financial literacy and somethings should be deprived from them if they are ruining their financial status.

@1212holden Год назад

Honestly props to her for admitting her problems and attitude though out this whole thing

@RaggityDoll Год назад

Graham's the type of person who's funny without even trying. I click on his videos to learn more about how to be financially independent, but I stay for the laughs 🤣

@kthename08 Год назад

Same 🤣

@BabbiiJesus Год назад

Caleb is the best. Especially when they do a second interview. Sad to see some people just won’t change.

@stevenlindgren3314 Год назад

RU-vid is finally putting your videos back in my streaming list. Glad I watched this. I just paid off my car and went on a bit of a wreck less spending spree but truth is I could be saving all that monthly“car payment” now instead. Hope to see more videos from you again if RU-vid would just put it in front of me lol

@noireknight3013 Год назад

Caleb is great. Empathy and Tough Love. He want us to be better for ourself.

@kyleholmes5624 Год назад

I did not know you have to pay back interest on a card that has 0% interest for a year. You saved me a lot of money with that information!

@homeaudiobasics Год назад

Crazy thing is, each new person seems to get worse. His channel is a prime example for why we need personal finance classes in government schools

@omotayosatuyi252 Год назад

We need it everywhere the most recent video is even more sadder

@darknessofevil117 Год назад

People say that but who will teach it? Home economics use to exist but I remember that going away in 5th grade because budget cuts. The other thing is you can teach it doesn't mean someone will care to learn it or even retain it. We see that with alot of stuff taught to people

@turtleanton6539 7 месяцев назад

Yes indeed 😊

@LASLOEGRI Год назад

As an Apple stockholder, a big Thank You for your massive donations to Pope Tim and the church of iPhone. 😘 I’ll invest your money carefully.

@XInfinity2024 Год назад

Amen!

@Imbatmn57 Год назад

Shes probably giving enough to make a whole apple stock 😂

@XInfinity2024 Год назад

@@Imbatmn57 right? At that point she could just buy Apple stock then use the dividends to pay for the game

@NickOloteo Год назад

I just sold apple. AVGO is much better as a tech company

@XInfinity2024 Год назад

@@NickOloteo If a person lives where exchanges doesn't offer fractional shares buying AVGO might be out of people's price range

@lastime77 Год назад

LOL, I was so addicted to duo lingo, I got to diamond league in two months. I deleted the app. I wasn't trying to be undefeated. Then, I started nursing school. while working full-time as a teacher; and watching Graham on the side.

@AnalyticalMenace Год назад

6:23 "I don't have the money to buy you a Christmas present, soooo.....here's a brick instead." 😂🤣

@oweneshelman1027 Год назад

Keep up the great work graham!!! Love your videos they're very inspiring. And you podcasts is my favorite podcast.

@firefeethok_tui2355 Год назад

“His content” ? He is copying caleb

@sussysussy1398 Год назад

I started watching Caleb when you link his channel ever since I've watch almost everyone of his video's

@residualramirez Год назад

I agree Caleb should do a grocery trip video! On a budget

@FrugalFunMum Год назад

I'm in Australia but I do a lot of food challenges / shopping on a budget videos on my channel showing people how to get markdowns / clearance items and then how we put them in our meal planning and keep our costs down low. I have helped others with budgets before like you said Graham it's $2 here and there and it all adds up and people don't realise it.

@lancestratton9731 Год назад

Yaaaaa Caleb just popped up in my feed last month and he has BLOWN UP

@yygg9786 Год назад

The thing is therapists dont have right to tell u what to do its you who has to decide to stop the harm u do to yourself

@divyasharma8895 Год назад

I love watching you get fired up- it’s so fun 😂

@nelsoncenatus6348 Год назад

Im glad i found this. I needed this.

@giovannimunoz8278 Год назад

I already saw that video which was already great. You just made it way better !!!

@TheGrahamStephanShow Год назад

Glad you liked it!

@markbrandon7359 Год назад

I bought my house when the market was down my mortgage is less than my rent was. Most important every time I got paid I put money in savings even if it was only $20. To live check to check is like playing Russian roulette sooner or later BANG

@melgonz.6962 Год назад

Here's the trophy you wanted 🏆

@markbrandon7359 Год назад

@@melgonz.6962 you keep it sell it for what you can and put the money in the bank

@jackholmes7521 Год назад

@@markbrandon7359 Don't worry, he/she is probably being sarcastic because they are jealous. Congrats on your house and living responsibly.

@MichaelMcRock Год назад

9:20 -- Something needs to be done like that with Yotta, I love using it, however since they added the debit card feature it has made it a little more difficult to consistently save.

@jaimerosas5998 Год назад

Caleb’s channel is going to blow up I always re-watch his videos 😅

@davidmilhouscarter8198 Год назад

2:26 Most people say that pregnancy and parenthood makes them more mature. I have no kids and I like it that way. When I bought my house, I grew up.

@JoshuaErabu Год назад

WOOO! You’re so close to 1M Graham. Love to see it

@TheGrahamStephanShow Год назад

ALMOST THERE!!

@jamesandersonwalsh Год назад

You know what's worse than bad debt? The situation all the fans were in that started using FTX after watching Graham's Millennial Money podcast that he conveniently deleted.

@matthewrobinson1619 Год назад

I'm hooked on his show. Nice shout out Caleb and his show!

@laurenm112 Год назад

I like the way you transition to your sponsors and the way you talk about sponsors in general, you seem very open about it

@undefined7463 Год назад

School loans only make money for the lenders. More and vastly stricter restrictions need to be in place. I’m all for schooling, but photography (I did it/been through it) is not about schooling, but experimenting. Would be great if community colleges were funded by the community. Not a big school, but one that can provide to a class of 20 per class, and any extra things, the students got to pay for (like school clothing). School store provides only the necessary books per registrant, provided you live in the community (ID or drivers license). Probably a better way to plan that whole thing out, but I feel it would be better than taking out a soul ripping loan to pay for a community college and pay it off in 20 years.

@infidelheretic923 Год назад

Cooking at home, sack lunches, and no more phone games would free up over $1,000 a month for her. She could use that to pay off her debts.

@BrandonBChambers Год назад

Would love to see a collab between you two!

@droid2D2C3P0 Год назад

I'm waiting for the day they have Caleb on the podcast

@crimsonbehemoth Год назад

Do like a good cop bad cop thing for finances

@jimmyletv Год назад

Honestly these videos have been so interesting. So many people with different walks of life. Makes me realize my 3k debt isnt so bad 🤣

@TheRonelAaron Год назад

goodness gracious. glad i have content like this to know what NOT to be

@matr1724 Год назад

US Americans can't make the connection "i need a car upgrade", "i always eat out", "i've got heart problems"🤔 could there possibly be a link. Watching a few of these wow do people in the US seem to eat out alot! its so expensive!

@vaishnaveesundararaman7876 Год назад

18:39 YES!!! CALEB MUST do a grocery shopping example on a budget for different types of diets (vegetarian, vegan-friendly, and a diet with meats) with a $300 monthly budget!

@monchaichan Год назад

I've been watching Caleb's videos and seriously it's made me audit myself more often 😆

@kthename08 Год назад

Same 🤣

@gavie8734 Год назад

12:14 “well it’s not working tho” actually took me out LOL

@luissandoval2001 Год назад

That's the reason why I like acorns, it's like an automatic savings and wealthfront because there is a few days delay so normally it gives you those days to avoid impulse purchases

@scottloftin3879 Год назад

I'm binging on hammer videos and see a GS video pop-up.. low and behold.. it's GS watching Hammer!.. lol

@shanodhillon Год назад

Been waiting for a collab w Caleb!!

@missshaolina7286 Год назад

I agree with the renting. I tried to buy a house and it was double than my rent and my renters are very good at fixing my stuff. I decided to keep renting until I’m in a better position to buy.

@twweety9 Год назад

Congrats on the 1M Graham!! 🎉🎉

@yannnick1 11 месяцев назад

Love your show and your sense of Humor

@terraglade Год назад

5:52 Find an outlet like gaming you can do on a phone. Find a good novel, hell write one yourself or fanfics, etc. Research a topic you like, or youtube and that stuff.

@VioletBird Год назад

This poor lady. She can prioritize Xmas and delete costly apps to avoid the paper cuts from apple

@pulisichhh Год назад

I'm just starting saving deligently, I used to just save whatever was left at the end of the month but now I'm aiming at >40% my salary at a 6.75% interest savings account. These videos really help me keep being responsible and not make large unnecessary expenses. Thanks Graham.

@andrewwoode Год назад

Where do you go for a 6.75% interest savings account? 👀

@JonnDiorr Год назад

@@andrewwoode rightttt, I feel lucky enough to get 3.85% with my citi HYSA. 6.75 sounds too good to be true

@jptheproduct Год назад

Native Texan here: Renting is so much more expensive than buying especially in little ass towns like Temple.

@SpecialK2O 10 месяцев назад

That part

@abeelvago Год назад

Paused the 2nd page of the bank statement: Starbucks, McD's, grills, bakery, donuts, etc. Yeah, that's not good

@jstov Год назад

Get Caleb on the Iced Coffee Hour!

@HectorTrejoMusic Год назад

Graham! How do you download the RU-vid videos to react to? Every website i try seems sketchy and don’t wanna get any viruses. Thank you!! Love the content!! :)

@shannonbrady___ Год назад

Video suggestion: what a credit freeze is; why to do and not do it (fraud attempts, etc.) 😊

@tconnolly1tc 3 месяца назад

I used to spend a lot on video games. On the plus side, they're all physical items that tend to hold their value and even go up in value.

@newbiedebater Год назад

I'm utterly addicted to watching Caleb Hammer.

@mygoodlife204 Год назад

It's just so long!

@NickOloteo Год назад

@@mygoodlife204 1.25x is your friend

@Tangledbawlz 11 месяцев назад

Why was that ad with the music and fight scene so epic

@zacharysolano6375 Год назад

9:24 that sounds like a good idea but I feel like they could easily be misused by the company that’s offering it in order to keep your money in your accounts and prevent you from using it.

@maca1996 Год назад

God, financial audit is my favorite thing in the whole world... whenever I feel bad about my life, I go watch one of his videos and realize I'm not doing that bad hahahaha there's a video with an older dude and that one's wild 🙄

@mightymia9 Год назад

15:51 you do know physical therapists have debt like MDs and we make a 1/3 of what they do, right?

@amyleigh7624 Год назад

I had a friend tell me she spends $1200-1400 a month on Lyft, and now I kind of don't want to know her :/ I told her a private driver is a rich person thing and, honey, you work retail.

@rvrsdonuts_240sxdrifting4 Год назад

Speaking of making food at home McDonald’s is so expensive where I live I can buy a small steak and fries and cook it for less the a “value meal”

@Tamara-gl5vk Год назад

Plus 73 student loan debt. I think they need to seperate the student loan debt from the other issues and maybe ask her what she want in life. Lowering her stress might give her more then to tell her to just work more.

@marias8007 Год назад

i totally would watch Caleb go grocery shoppinn!

@jjpp1993 Год назад

17:00 "the best part of working so much is that you don't have time to spend money just save it". Benefits of workaholic-ism?

@violetrose25 Год назад

I understand that in some places in the country, renting is cheaper, but you can't help where you live and you can't always just pick up and move and look for housing somewhere else.

@drewlongbrakevibes Год назад

There are plenty of apps out there that are completely free, she could continue to play games without paying for them 👌

@HYPEREX Год назад

$70 at Aldi for me last me the month.

@elizabethkahn9155 Год назад

Wait wait, she has spreadsheets but she didn't know the total amount she spent on the games and eating out????

@TheGrahamStephanShow Год назад

I guess not

@17h127 Год назад

I have a spreadsheet and I don't know lol. I don't break down my expenses into categories. I can tell you how much I spent total though. I track it because I like to keep my spending between a specific range every year, so I just watch it to see if I'm on track. If its slope is too steep I cut back for a couple months. I assume 80% or more of my spending is on eating out and video games. I know one year I looked back over my statements and I spent like 15k that year on in game purchases lol. This year I've ate out a lot less. Like maybe twice a week now only. I'm working on my health and it's hard to avoid seed oils when eating out.

@aina3387 Год назад

@@17h127 Same. For my credit cards I don't really know how much goes into each category, but I know approximately how much I can spend on my credit cards to pay it off each month. Now, this works for me because I don't have problems with money, but if I did I think I'd need to watch it more closely.

@AudioPlaysGames Год назад

I have one too but couldn't tell you on the spot like this either. I review and compare back to that sheet all the time, but I don't memerize it. Hyperfixating is a double edged sword. Expecting everyone to memerize thier budget is unreasonable.

@IAmJeka Год назад

17:01 unfortunately that is not true Graham which is why therapy is so important. I’ve always worked over 80 hours a week so what happens if you have impulse issues and are not dealing with the true problem is that you binge spend. Kind of like when you strict diet then you binge eat!

@TriHard612 Год назад

I am glad Graham is on board with making higher education free. That is awesome and I am here for it.

@Qu33nHUDDY Год назад

I feel like I've met her before when shopping in Temple. I've got to say it is typically cheaper to buy in Central Texas than to rent as long, as you're not in a larger city like Austin and it's bordering cities, even when including matinence.

@SpecialK2O Год назад

My mortgage is $923 - local rent for homes in the area are $1400+ for something safe and decent.

@soapygirl83 Год назад

@@SpecialK2O have you thought about renting out a room in your house as a way to offset costs? I saw your video and I am rooting for you to get out of debt. I am so sorry about those student loans I turned down a job with the art institute when I realize just how predatory they were

@violetmoon5257 Год назад

Caleb is the best!

@laurenlemus6432 Год назад

This was fun to watch !

@abelmunoz1999 Год назад

Awesome, first time getting here early! Love your vids gram.

@TheGrahamStephanShow Год назад

Glad you like them!

@m.l.5531 Год назад

A Caleb Hammer collab better be in the works or I'm not smashing the like button

@missy9897 Год назад

This person seems like she’s unhappy.

@TheGrahamStephanShow Год назад

@elvalvinoskyo3307 Год назад

Hey Graham can you make a video about CDs specifically with chase bank,thanks

@keianasimpson7162 Год назад

Go with Discover. They have High yield rates go with Discover over Chase. Chase APY is super low. I think like 0.1%. Discover is like 3.4% much higher.