This Millennial REFUSES To Save Money | My Response

Подписаться 1,3 млн

Просмотров 110 тыс.

50% 1

Today we're reacting to ‪@CalebHammer‬ (subscribe to him!) - He Has $2 In His Checking Account! | Financial Audit - Original Video here: • He Has $2 In His Check... - Enjoy! Add me on Instagram: GPStephan
GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC WHEN YOU MAKE A DEPOSIT - USE CODE GRAHAM: www.public.com/graham
Podcast: / @theicedcoffeehour
GET MY DAILY MARKET RESEARCH SUMMARY HERE: www.grahamstephan.com/newsletter
Graham Stephan Discord: / discord
The RU-vid Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on RU-vid, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy... - $100 OFF WITH CODE GET100OFF
My ENTIRE Camera and Recording Equipment:
www.amazon.com/shop/grahamste...
FOR BUSINESS INQUIRIES: grahamstephanbusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

Опубликовано:

15 мар 2023

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 191

@JawhnyCooke Год назад

Ok Graham, enough of just reacting to Caleb’s content, it’s time to invite him to your show. He’s clearly got passion for what he does and probably has an interesting backstory.

@davysmith8569 Год назад

Agreed told home the same. It’s lazy content.

@bestechYtBotBH Год назад

Yep here's the 3rd comment saying Caleb, get on the iced coffee ☕️ hour

@chricol Год назад

Caleb Collab!

@tjh7797 Год назад

@@davysmith8569 all his content is lazy

@LazyPicture Год назад

@@tjh7797beat me too it

@mikeyserrano9748 Год назад

I will say this about him helping out family - it's an issue where people w immigrant parents feel like they NEED to help out their parents. Wedream of making it out of those conditions so you can support your family. It's like a "you sacrificed coming here, I gotta help you back" It's usually not an explicit "you need to pay us" more like an unwritten rule

@HQ4575 Год назад

Exactly, it feels like the right thing to do, they took care of me since birth until I didn't need it anymore with no expectation of being paid back, least I can do is take care of them back when I can.

@jenshark4 Год назад

Agree 💯 I am wondering about the Wendy’s purchases for the girlfriend. With so many purchases it looks like he may be providing for her too. He needs to have a sit down conversation with her about his future goals and get her on board with spending less. She in turn needs to be supportive or he will end up stuck in the same place forever.

@shachede6828 Год назад

Facts it’s even worse when you have family still in your home country, and sibling that are young can’t work. Like if you don’t help real bad things can happen. That’s my situation. People say stop sending them money but what will they do and eat. My parents are not taking advantage of me they are trying thier best

@HQ4575 Год назад

@@shachede6828 there is an Arabic proverb that roughly translates to "only a bastard can be ungrateful", those telling you to stop sending your family money don't understand gratitude or family.

@humbertolopezfranco7296 Год назад

I think it's very American not to "need" to help your family.

@chachisadventures3378 Год назад

Dude seems super down to earth and he’s wanting to improve his and his family’s lives. He can do it.

@FinancialShinanigan Год назад

Surprisingly his net worth is more than people with student loans or medical debt

@TheGrahamStephanShow Год назад

That's true!

@merriem24 Год назад

Hey stop coming for me 😂

@nathaliefrisch2360 Год назад

Found Caleb’s channel a month ago because of you - I love you both! And congrats on hitting a million subscribers 🎉

@TheGrahamStephanShow Год назад

Yay! Thank you!

@CharlesFeige Год назад

I'm so glad you introduced me to Caleb Hammer. Thank you

@TheGrahamStephanShow Год назад

I'm so glad!

@maddmethod5880 Год назад

I buy _everything_ through my credit card and pay it off every month. What are people doing?? My checking account is _always_ zero until I move money in there for rent. Checking account feels like lighting money on fire.

@philipcharles5160 Год назад

i like when stephan edits his voice simulating a voice conversation. hilarious lol

@chunksgaming101 Год назад

Graham you need to start doing these financial audits, such a cool idea and keep reacting to Calebs videos!

@jcsjcs2 Год назад

"Pay down your credit card debt and save some money on the side." No -- don't save any money while you have credit card debt. Just pay down your debt, then start saving money. The interest on credit card debt will be much more than what you will get for your savings.

@yopixelpete Год назад

Congrats on that 1m. I am definitely enjoying this series.

@Courtney-Alice-Gargani Год назад

Caleb is another Simon Cowell. He doesn't hold back any punches. Hahah

@kryan3046 Год назад

My sister is an insurance agent, and has been in the field for around 13 years now. She's also been having me study to work with her in insurance licensing. In regards to his car insurance, what he's doing with the primary and secondary ownership with him as the true vehicle owner is essentially insurance fraud, and is a felony. He should probably fix the vehicle ownership situation with the insurance company sooner than later, or risk the insurance company finding out and potentially charging them both for fraud.

@jenshark4 Год назад

I would love to see a follow up on this one because this guy really wants to make something of himself. Which is a 180 from the other guests on the show.

@glowing_clod969 Год назад

Watching these strengthens my conviction to further improve my financial situation

@TheProjectOverload Год назад

Great video and props to your editor - The voice and effects are on point today 😎👍

@Jaragreene Год назад

So Graham when are you collabing with Caleb and when is Caleb financial auditing you?!!

@shelloiluk Год назад

Great video. I’m addicted to Cale Hammer videos. I watch them instead of cad or sneaker videos as I want his advice and a better future.

@imnotsmartbutiwannabe1071 Год назад

I love how supportive you are of Caleb. I always liked you but ig I feel respect or something

@borlanderobertson5666 Год назад

I have been pushing for Caleb too. Hope you hit 2mil big guy❤

@Jajjsks Год назад

How’s that lawsuit treating you?

@lisalister8002 5 месяцев назад

This guy is such a kind person.... I truly hope he can get financially healthy.

@Glizzy_Gladiato0r Год назад

Hey I’m a very big fan of your videos keep up your hard work🎊🎉

@davysmith8569 Год назад

Graham getting a bit lazy on content when? This is like the 10th Caleb hammer video. This is like those lazy reaction videos. Pretty sure Caleb is capable offering his own advice.

@ArtsCraftsAntiquity Год назад

My saving catches any overdraft from my checking, it basically protects me from fees or getting turned down using my checking for bills or whatever I’m buying. I don’t dip anymore but I used to in my early 20’s and it is definitely a great idea to always have overdraft protection. Basic.

@delbomb3131 Год назад

I tend to keep little to nothing in my checking, have done this since I was a teenager. Tricks me into thinking I'm poor. Can't spend what i don't think i have lol

@Ink30 Год назад

You keep the millions at home ?

@delbomb3131 Год назад

@@baconoftheark now read my above reply and try again...

@AFFTFOMSICHTS Год назад

This was me in my 20s…helping other ppl financially (mainly friends & bf) when I couldn’t even afford to move out of my parents house. thank god I woke up I can’t imagine having parents financially depending on you when you can’t even afford your own life and what that feels like. That’s so unfair to parents to put their kids in that position. I just know that would be 10x worse. I feel bad for him.

@walterguevara4344 Год назад

He posts so much i love It 😂

@A-t-r-u-s Год назад

1:52 I worked for Sears lifetimes ago, for only a month because your job performance was based on how many people you could swindle to open a Sears credit card. Egh... this reminds me so much of the script and demonstrations upper management foisted on us.

@monkey39128 Год назад

Respect for looking after his family.

@kathlbryan Год назад

I love your videos! I also live in Las Vegas and you, and Caleb's videos give me a little peace haha.

@baconatorrodriguez4651 Год назад

He may not have money, but he probably won't be sued along with his buddies for a billion dollars lol

@carpelunam Год назад

Graham his voice sounds so good because it's going through a dynamic microphone with an xlr cable. All you need to have a crispy smooth voice is a small amp, microphone, and voicemeeter.

@jeffrounsville4961 Год назад

Great video

@johnnysbookreviews Год назад

Agreed. He's got to fix his finances (build that big emergency account and pay off any debt) before he can help other people.

@LIVEINPEACE2023 Год назад

You hit a mill 🎊👍 🎉

@lidarman2 Год назад

I saw clip from Graham used in the recent Frontline episode called 'Age of Easy Money."

@JerrlEvans Год назад

That third person in my head is my late father who was very frugal. He left my mother in good shape and was mindful of all spending.

@danielj3010 Год назад

"I will not excuse wants" seems reasonable!

@saulgoodman2018 Год назад

In school, time goes by so slow. After you're done with school, time goes by so fast.

@bensaef2444 Год назад

We need an update on the new time piece Graham 👀

@GabeRave Год назад

Living in Las Vegas is so good. Main taxes are subsidized by people gambling all the time.

@shachede6828 Год назад

For a lot of immigrants people, helping family is compulsory especially if they are not in America because they need the money. They will be destitute if you don’t, like if you sibling that are young and can’t work. Unfortunately.

@Juan-mj3bm Год назад

Yes that is true

@clarifyingquestions Год назад

All roads lead back to Dave Ramsey - the surest way to wealth. Perhaps someone can find a quicker way ( of course!!!!) but comes with risk. DR is guaranteed!!1

@Karen.c.h Год назад

Get Caleb on the Iced Coffee Hour, come on!

@redgun421 Год назад

this is turning into the caleb hammer show :)

@andrelong1410 6 месяцев назад

I feel bad for bro. Basically your family taking advantage of you man

@NinaR478 Год назад

Yeah jamal has def called me to get my debt from nordy 😂😂😂

@alexanderemery6014 Год назад

Hey, Graham. What watch are you wearing?

@RiskOnTrading 9 месяцев назад

Haha ! The accountability buddy that declines your purchases are called a “WIFE” wh-eye-eff

@elizabeths.3634 Год назад

😂 every store does that

@kazi1 Год назад

Damn and Hi Stephan

@TheGrahamStephanShow Год назад

HEY!!

@applejuke28 Год назад

Congrats on the million subs!

@andrewjohnson2796 Год назад

First time home buyer program depending on the bank will help with the First Housing Downpayment or closing costs

@omotayosatuyi252 Год назад

It makes zero sense as to why some people don’t save money like how has this kind of stuff not slipped their minds saving is the most simple thing you can ever do when it comes to finances schools need to tech this stuff and parents need to talk about this stuff it’s important because most of the stuff you learn in school you will never ever use

@leetjohnson Год назад

It's not a teaching issue....it's a self control problem. Just like eating healthy and exercising...everyone knows that is what you do...but how many people have the self control?

@edwin1845 Год назад

most people in america are financially stupid, people just dont care. just like people that end up with 100k+ student loans for a job that pays 40-50k

@omotayosatuyi252 Год назад

@@leetjohnson true that is a factor but financial literacy First happens inside the classroom then you can have conversations with people about it outside but I do get what your saying

@shaereub4450 Год назад

I found Cable Hammer shortly before Jack's episode.

@danielj3010 Год назад

Store and Gas credit cards are not worth the time and energy.

@legendarygamingplus5524 Год назад

As someone who was at a very difficult time yea he has a really well paying job but spending more than what he has he has a lot of work to do but he can cut back and reset easily

@zahraaalz9621 Год назад

Best way to stop cashiers from begging you to open up a card is to say "Oh, I already have one, I just don't want to use it today." Work every single time.

@jaypetz Год назад

I cant sleep well at night knowing my bank is below the red line 😑 Thats why I work even if my soul is dying.

@BeardedMavsFan Год назад

this dude has never seen " A night at the Roxbury " huh 🤣🤣🤣

@Cesar-pq2ck 11 месяцев назад

A new MacBook Pro? I still work on a 2010 Mac Pro for video editing!

@daneproudfoot Год назад

Some of these are awful how does that even happen paycheck to paycheck

@danielj3010 Год назад

$2.45 = 5 coffees from home.

@96ej Год назад

Today I learned that Graham has probably been binge-watching SouthPark

@vectoon3739 Год назад

Hi Graham. Why do I feel like I saw this before?

@TheGrahamStephanShow Год назад

hey!!

@shanesmith2600 Год назад

I don't know if you've ever seen the movie the girl with the dragon tattoo but having someone else being in charge of your money and being in charge of when you can spend it and what on is kind of a terrible idea.😬😬😬😳😳😳🤮.

@chrisgonzalez5883 Год назад

You got that right interesting movie

@Dexy83 Год назад

He went to Costco and GS bitched about that...

@leetjohnson Год назад

He bitched about paying other's bills while he's in debt, remember?

@N8904V Год назад

Since you have a million subscribers you should start giving tours of your house.

@shelly5224 Год назад

Hey, 1M 🎉

@youknowwithMartyKauffman Год назад

Yeah, I agree he could easily just got the MacBook Air

@davidburg558 Год назад

Grapham has it all , Charges girlfriend $2000 for rent and services

@Lillith. Год назад

Have you done Jack's?

@ketojadon1705 Год назад

I don't know what Starbucks you're going to get for under $5 lol if you get a vintage it's definitely going to be more than $2 unless maybe if you get a black coffee but even then

@Max-ji5cg Год назад

The fact I wanted to buy the starving piggy bank might be the reason Sir piggy is so malnourished to begin with.

@justvincenturb Год назад

I feel like more than half of Graham's videos this past month is Caleb's videos. Cmon Graham, time to mix it up man. If we wanted to watch Caleb's videos we would--yknow--watch his videos.

@susanclaire901 Год назад

I love these!

@Anoon Год назад

You should have Richard Fain on your show. A black man that practices and preaches sound financial advice.

@erickrojas8089 10 месяцев назад

Graham I got the MacBook Air m2 1.1k and the m1 was 800 and now I am regretting it because the m1 is still as good 😔

@esqu1re Год назад

Always fun watching rich people critique poor people's spending habits to hopefully make them rich one day. =)

@steadymobbin. Год назад

Tesla x Steady Mobbin

@TheGrahamStephanShow Год назад

@CrazedJoker86 Год назад

Lmao go to the gym for “fun”.

@andrewpagan Год назад

You keep saying "this guy Caleb Hammer". I love Caleb and have been a follower when he had

@Stevenwoodz Год назад

Graham you got a point

@saulgoodman2018 Год назад

The money is in savings. So it does not matter if his checking is only $2. It won't overdraft. Because the savings is a backup, and will automatically withdraw on that if your checking doesn't have enough.

@boof710 Год назад

Stop loading your video with ads

@Brismo7 Год назад

14:23 yeah you plebs. Just go somewhere else and suddenly earn $50k more a year! Stop being poor!

@cookingwithsilence Год назад

Only good instore card is the target red card. The cash back outweighs the potential interest, especially if you pay on time.

@JamesArthurKayak Год назад

Is this Caleb fan club or what?

@TenTonNuke Год назад

As someone who lives comfortably making 15k a year, it's absurd to me when I hear someone making 5k a month talking about financial issues. I don't think I could spend that much money if I tried.

@cybrt Год назад

Leave a like!

@gent2205 Год назад

I dislike Caleb's stuff. When I was watching his earlier stuff he seemed to underprepare his guests then pressure them into providing their personal financial information. He's one of the only people who I've ever blocked their channel.

@randomrealestateinvestor1694 Год назад

Boo who Cares

@gent2205 Год назад

@@randomrealestateinvestor1694 I do. Enough to write the comment. Just as much as you care about my comment to make a reply.

@TeeBeeGamez Год назад

Graham I love you but I feel like your piggy backing off of Caleb’s videos a bit…

@jacksonemery-fj8lu Год назад

Bro the answered isn’t being cheap and starving yourself in purgatory, the answered is u need to make more money to live off

@BullsEyeBen Год назад

@Shawn-rg5vm Год назад

The fact that you don't like the original video is tacky and classless.

@jakefromstatefarm5867 Год назад

Mr. Graham Stephan reply to this comment or misfortune will follow you for the rest of your life.

@kimberlyjackson6358 Год назад

I am so connected to this channel!!, Despite the recession all over the world, I'm so excited this the second time withdrawing $36,000 profits off my investment