This Millennial REFUSES TO SAVE MONEY OR PAY TAXES

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Опубликовано:

20 июл 2024

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Комментарии : 493

@CalebHammer Год назад

Graham has stumbled about the Joe trilogy

@kylem2010GT Год назад

Graham you gotta start the Joe Trilogy at the beginning! The 580% interest loan is legendary!

@susanclaire901 Год назад

The Graham/Caleb mashups are epic! Caleb, you tried your best with this guy Joe but I'm afraid he's beyond redemption.

@matthewengman5180 Год назад

you both should do a video together!

@tylerwilliams844 Год назад

I listen to all calebs videos while at my construction job😭 it’s a addiction and I love it, it goes Caleb graham caleb graham and it gets me through the day🙏🏼

@simonmorris746 Год назад

Get your self a health audit fat boi

@KrystalessR Год назад

That weird sensation of feeling young but old at the same time will last for the rest of your life, Graham. Welcome to being past your 20s!

@TheGrahamStephanShow Год назад

agreed!

@courtneycampbell8496 Год назад

Graham: I feel like a 50 yr old at 32 Graham: He's only 32. Anything is possible.

@1019lms Год назад

Feeling young but trapped in an older body isn’t an in between phase. I’m 55(F) but feel like I’m 30. It never goes away.

@PeacockRhino Год назад

Honestly some people are beyond being helped if he won’t listen to Caleb’s advice.

@delbomb3131 Год назад

Nah, people respond differently to feedback. There's a way to get this guy sorted out, just hasn't found the way for him

@triple_gem_shining Год назад

He's a bum

@TheLastCin Год назад

@@delbomb3131 nah he's just a loser who will never grow.

@MadisonFalco Год назад

@@delbomb3131therapy is first because he does not value himself. You have to hold value on yourself to change behavior for your own benefit

@mcbethel5225 Год назад

Caleb is absolutely amazing lmao. Idc how harsh he is. I've tightened up ALOT because he's right about the consumerism mindset. I recommend him totally.

@yanae.yanakieva5199 Год назад

I don't find Calleb harsh! He is so good hearted. He makes sure they can follow through even if it can add some years to the payoff. Reality is harsh man and Calleb just talks real deal.

@turtleanton6539 7 месяцев назад

Indeed😊

@mauao1 Год назад

Remember...this was his third visit to Caleb and he still refuses to do anything! Shame that he was taking up an opportunity with Caleb that someone else could have benefited from.

@DGregster Год назад

Graham: "I think he's gotta hit rock bottom before anything starts to change." Graham...is this NOT rock bottom?

@gucciguy3408 Год назад

Technically no…He still has a roof over his head and a car. Once those are gone than yea probably rock bottom and for someone like this guy he’d never be back on his feet.

@TheFirstRealChewy Год назад

He is still comfortable in his current state. You reach rock bottom when you feel that there's no other direction but up. When it feels like it takes more effort to go lower than where you are now.

@sw6951 Год назад

He’s showing a lot of symptoms of depression. I hope he gets help

@RolandKoller90 Год назад

The help is him starting to get healthy by exercising and eating right. Being a huge pile of fat does nothing good. When you get your fitness in order you are in better shape to make good decisions.

@sw6951 Год назад

@@RolandKoller90 Yeah getting fit doesn’t cure depression. Many fit people are depressed and make bad financial decisions.

@MrNaberz Год назад

He's just lazy, depression is just an excuse used by everyone nowadays for everything to not feel accountable for their actions/bad decisions. He doesn't want to get off his mom's card because he is lazy, doesn't want to go through the process of calling his mom and getting her to take him off the card.

@MrNaberz Год назад

@@uok6216 ok buddy keep blaming everything on depression

@Crazy09starkillor Год назад

@@MrNaberz go back to school bud lmao

@chaehoyi1986 Год назад

i was a degen till 30 yrs old working at retail jobs making $16/hr. I got A+ cert got my foot in the IT, now I'm 34 got a government IT job making 70k/yr and I don't even have a college degree.

@3Torts Год назад

Gov IT....

@chaehoyi1986 Год назад

@Dj Mc why? u got something against gov IT jobs? seems pretty good to me...

@3Torts Год назад

@@chaehoyi1986 I'm sure the Oligarch's 70K/yr seems pretty good. Good for you moving on up

@shabzix5659 Год назад

This guy needs a therapist more than anything else

@theshittybowman Год назад

The problem is people like this hang out within a circle of friends who are just as stupid and then one of them tells that guy; “dude, it’s okay man… it’s just a mistake.” I can’t even have friends like this anymore… they suck the good energy around you.

@joshsickles1163 Год назад

This is almost exactly like an old roommate I had. Always had a story why it was reasonable to be in his situation. Loved to blame others for his laziness. He would make lists, and then say he had to complete them in order, when they were in an impossible order. Didn't track his taxes. I really wished him the best, but it was dragging me down trying to help him. My favorite was when he blamed me for his lack of motivation because my success dragged him down. Still a good friend of mine, but it was healthy for me to have him move out.

@hankschraderontheshitter5593 Год назад

I have a mooching ass friend living with me too it's such a frustrating situation

@daphne10120 Год назад

Sounds like my brother

@joshuab1707 Год назад

Joe doesn't need a financial coach, he needs a life coach. There's so many things about his work ethic, victim mentality, and obliviousness that are in the way of him being able to follow any sort of financial plan that limits his lifestyle.

@kreedonandrol Год назад

I was thinking the same thing

@lesterparker1594 Год назад

Victim mentality is a big issue with our generation. I just don’t get it.

@eyeamwema Год назад

Hot take. Caleb shouldn’t have him on anymore until he sees a therapist (not Caleb the other guy). I know humour is a coping mechanism but I’m getting the vibe he feels the pressure and has given up and is ok with more and more bad financial experiences because it generates good content and in that regard he’s successful. Of course this is just my opinion but I wonder if these are starting to do more harm for this particular individual than they are doing good (obviously not directly or intentionally)

@elizabethfoss99 Год назад

This is so exciting. One of my favorite RU-vidrs for years, finding one of my newest favorites, and I get to watch both of them reacting to the same financial messes 😃

@thenoblegoat7895 Год назад

You're the only person on RU-vid who when I hear talking about how someone could turn there life around and be rich I actually believe them. You say it with so much conviction but not in a scammy way

@actuallyrichie Год назад

I started binge watching Caleb after your last video of him and this is like the 2nd or 3rd time Caleb has tried to help him.

@andrew8168 Год назад

3rd. And Caleb offered to pay off some collections....

@alex1vid Год назад

I'm older, been on RU-vid since before google. But Caleb is actually the first channel I kind of saw grow from smaller size to where he is now. And I will say this - he's responsive and actually seems like a pretty nice guy and he works - it was earned. And ultimately I like that he's giving some cold hard truth to help people out. It's a little different. Harsh yeah but a lot of people need it. I wish him well.

@donaldlyons17 Год назад

Well viable options are what is important. Stuff that does not work still will not work.

@geovannis7340 Год назад

Yes! Glad you’re watching Caleb too. Love his channel, he tries to help people but you can only do so much for others

@darickfoxo7986 Год назад

Thanks for giving Caleb the recognition he deserves

@LoopWorthy Год назад

Graham's guilty pleasure is Caleb Hammer's channel and that's OK 😁

@seanh8546 Год назад

It's actually common for most people to feel like they're still 24-25 since that's when our brains stop growing. I've heard from many people over 50-60 that they really haven't changed since their 20s

@TheOnlyIchiban Год назад

I remember one episode with this guy, he took out a loan where he was paying interest payments more than the initial principal itself, ridiculous!

@deancorleone Год назад

Here is an interesting detail Graham, that feeling where you are older but younger ... never goes away. I'm 42 but still feel younger as does everyone i know

@jimmiejohnson2146 Год назад

Hey, Graham. Yes, I too have watched Caleb's channel. Very informative. But honestly, I like how he approaches the subject, no never sugar coats it. Its more like tough love. You have to wake them up or they will keep going. It does take alot to open up to stranger showing them how bad it is..

@daynadream Год назад

please do an iced coffee hour episode with Caleb 😭

@avres13 Год назад

His work badge is $150?!? I’ve never been charge more then $10

@xxtoptankxx6873 Год назад

That’s because it was an airport badge. I work at CVG and the first badge replacement is $100, second is $200, and third is $300 with approval from the airport security director. I’m not surprised at all.

@TheFirstRealChewy Год назад

@@xxtoptankxx6873 Well, unless he's replacing his badge every month, $150 shouldn't tank him.

@mikeyserrano9748 Год назад

23% interest?!?! I thought 6.2% on my car was crazy high holy sh*t

@MysteriousFuture Год назад

I thought the 4.99% on the car is pretty high, if they quoted me 23.8% for a car as final interest (I’m leaving) 😂

@sarahsuddarth1435 Год назад

Since I’ve seen Caleb on your channel I’ve been binging him as well. Just can’t look away

@ProductionsJoe Год назад

9:20 "I didn't do the ps5 thing, it was a joke" It wasn't a joke, he just didn't want Caleb to tell him how dumb he is.

@tu6166 Год назад

If I had to get a dollar for each time he mentioned his lost badge 😂😂

@monstersquad13 Год назад

Haven't seen your page recommended in a while, till a short popped up about a woman ditching some child support by going to a lower paying job, but this was a good find at a good timing for me. At around 2:55 that's gold. I'm currently at a good paying career and I noticed if I just keep telling myself I can spend more as I make more while not taking care of necessities first, I'm going to stay in that paycheck to paycheck scenario, have to fix the leak first. Good stuff man!

@briandijkshoorn5084 Год назад

Love these Financial Audit videos!

@TheGrahamStephanShow Год назад

Me too!!

@LyricalMirage Год назад

i really appreciate your hard work Keep uploading nice videos We all love to watch your video... You are a very good person And you make good quality video 👍❤️👍

@TheGrahamStephanShow Год назад

Thank you so much 😀

@dumbtex6107 Год назад

I just found out about this guy and I absolutely LOVE his videos!! A ton of good tidbits and advice here and there plus keeps me on my toes.

@rolfthewolf42 Год назад

Currently teaching a personal finance class for middle and high schoolers and this is motivating. Haha. I think he will eventually get it together. He has the knowledge and resources, just needs to flip that switch. Change often happens slowly, then all at once. But also the guy should probably be seeing a therapist before a financial advisor. There's a great video by HealthyGammerGG related to this topic titled "I Watch Your Videos But Never Change My Life."

@jackesioto Год назад

Sooner or later, that 32 year old is likely to land up in jail for tax evasion. The IRS does NOT play!

@Jill_Horvath Год назад

Congratulations on a million subscribers Graham & Jack!!

@walterguevara4344 Год назад

Caleb is the goat, I binge watch his channel everyday now

@TheKrystolMethod Год назад

I watch Caleb everyday now too if it make adjustment in my budget LOL

@stevee2639 Год назад

Thanks to you I've started watching them too lol I thought that would be something you would do on the Graham stephan show. At least you used to do phone calls years ago

@tsholom9042 Год назад

Are you going to make a video about the current bank runs going on? Looking forward to that.

@domingodelgado3944 Год назад

I like people like this because it makes me feel better about my situation 🤣

@Jbertrand1977 Год назад

I started watching Caleb a couple weeks ago. Love this guy!

@The_LaughingHyena Год назад

Going like, that very hard cut everything toward a debt approach is a mentally challenging thing. I had to do it with a 50K CC balance, it hurt while doing it but I feel great that it isn't there.

@alex1vid Год назад

... the losing your work badge thing to me and equating that to money is wild to me. People lose things. Even car keys. It happens, it's not intentional - just can't be a habit. So you figure out how to get a new one. I've forgotten my badge at home (left in yesterdays pants) and even just lost it (maybe clip breaks...). I just got a new one or a temp one for the day. He's kind of saying he just doesn't show up when it was lost? I really don't get it.

@terriplays1726 Год назад

If you are at a point of mental stress, even small events can break you. What is objectively a minor inconvenience becomes a life event.

@tonytorres4535 Год назад

Omg you're over a million subs now!!

@TheGrahamStephanShow Год назад

It went fast!!

@vpnconsult Год назад

Amazing! Support for you both from the Netherlands 🇳🇱

@yohannesabate9925 Год назад

Congrats on million sub, Thanks for you i am really getting into realstate

@cherylvargas8861 Год назад

I'm addicted to both of your's channels!!

@monicamolina2221 Год назад

Oh my goodness ! This man has no sense of personal responsibility. I feel so badly for him.

@mrfarina1474 Год назад

"and then i got lazy" BOI YOU BEEN LAZY

@CompoundInterest1982 11 месяцев назад

Pron addiction is no joke. Kills focus, drains energy, and Joe reminds me of my Dad. Talking the exact same way. Excuses for everything.

@CARTUNE. Год назад

The "IRS" doesn't want to ruin lives...lol

@ArtistFormallyKnownasMC Год назад

I’m absolutely hooked on his channel. Wow!

@H.A.L96 Год назад

Same very entertaining.

@SubjectRandom21 Год назад

There are some people who actually need discipline in their lives. They need to be told what to do, things that are in THEIR best interests.

@nateguerra319 Год назад

Caleb’s channel is addicting!! Haven’t been this enthralled since kitchen nightmares

@dachicagoan8185 Год назад

Billion dollar companies refuse to pay taxes too. Where is the uproar about that?

@stevenpike7857 Год назад

They do it legally because they bribe the lawmakers to pass laws in their favor.

@bestechYtBotBH Год назад

The excuses this guy on the today's Caleb Hammer show is incredible. It was making me feel stressed, lmao 🤣 all excuses, max blame push, 0 accountability. That's his motto...

@iosgaming2824 Год назад

He’s accepting responsibility though graham. Every time he explained why something happened he said he or I. Some of his explanations are sobby like but he’s not blaming his misfortunes on others

@cody5596 Год назад

I listen to every Caleb Hammer video as well. Unfortunately I don’t have any hope for this guy. He’s had a lot of excuses every time he’s been on and it pretty much seems like he refuses to improve financially in any way. He’s very self destructive and I wish him well but he has to do it for himself and I don’t see that happening.

@iosgaming2824 Год назад

@@cody5596 he explained why he spent money stupidly times. What he gave throughout the videos were explanations but some people refer to explanations as excuses and I think it’s because the word excuses has a bad connotation to them and when they don’t like an explanation they label is that to invalidate the explanation to make it seem as if the person did what they mindlessly. I do agree with you though that he doesn’t want to help himself since once he stupidly spends money he says f it and continues

@avoiceup3222 Год назад

@@iosgaming2824 it's a story in his head he has accepted. At the end of the day he's in charge of his reality.🤷‍♂️

@eliminatorxx713xx Год назад

Dude paying almost a normal car note in just interest, that is just insane.

@donaldlyons17 Год назад

How DARE HE OF ALL PEOPLE TAKE OWNERSHIP OF ANYTHING WHEN HE GOT LUCKY HIMSELF?

@annieworroll4373 Год назад

Calebs videos have helped me get a little better with money and buckle down more with preparing for a programming job(I could easily jump 2-3 times my current pay, another year or so till my BS degree is done). Still a lot of progress that needs to happen but between him and the political situation re being trans in a red state is lighting a fire under my ass.

@AMHlocal Год назад

Wow I glad I learned personal finance, accounting, and have an annoyingly strong work ethic. I have done the Dave Ramsey method of cutting out unnecessary spending and I’ll have my car paid off before the end of this summer (2023), I’m building my savings account that I’ll be using as a new car fund, and keep a very close eye on my accounts.

@a_bravestrong Год назад

As someone that used to have an addiction as well as WAS terrible with money blaming others becomes the go-to. Also as Graham (and pretty much every motivational speaker/guru/therapist) says, take responsibility, stop handing yourself and your future over to blame.

@donaldlyons17 Год назад

Well all those people likely run businesses and don't talk honest about the fact they are always looking at the numbers and likelihood when making decisions. So not if you have very different conditions it might not work but the system rewards wealth at the expense of all the other factors so.... There is a difference between blame and good reasons for something....

@JulieStevenson752 Год назад

This was the guy’s third visit to Caleb’s show

@w8ting4fri Год назад

I have watched this trilogy so many times. So entertaining

@dlproductions9574 Год назад

Graham, you know exactly what an addiction is... your brain makes all those connections with real estate numbers. you are just as addicted as anyone else on any other substance. you put your addiction into a healthy place vs a bad one :)

@redgun421 Год назад

bro caleb hammer and graham stephan is the greatest crossover of all time. you gotta go on his show !!

@jonny-b4954 Год назад

Almost certainly the parents babied him his ENTIRE life. Never made him do anything on his own. Just gave him everything he wanted. So he has NO responsibility.

@DGregster Год назад

Several years ago I made the mistake of financing a new car to do Uber with and I ended up just losing money because I was paying minimum payments at first and put so many miles and wear and tear on my car that it depreciated more than what I've made from Uber. Do Uber just for a few months to pay off the car, then stop doing Uber at least full time and get a better job

@ireneverdream1148 Год назад

I love Caleb’s channel also! Now I enjoy your channel reviewing Caleb’s channel 😂

@TheGrahamStephanShow Год назад

@duckesque Год назад

Poor dudes clearly depressed. He needs a social worker to help him find some of these services and he needs some kindness in his life

@fummy69 Год назад

No way!! You have used the video of Ibai motivating the students for their last exam before university 🤣🤣Great work Graham!

@loezakidd3149 Год назад

Graham, you think Caleb can hit 1million subs? Let’s get him up there team!

@austinjpg Год назад

Graham you gotta do something like this with someone that needs help, shi would be hilarious 😂🤣

@daveassanowicz186 Год назад

"Why do you need to detail your car?" Hard cut to a Jiffy Lube commercial. Perfect!

@regtalkswealth Год назад

The IRS has entered the chat...

@indiakxoxo Год назад

Lol I use the free vacs at the car wash where I live to keep my car clean and vacuumed. There are trash cans there too to get rid of trash. Lol I love Caleb lol 😂 his reactions are too much lol

@shaunmoorefinance Год назад

Yeah I watched this video on Caleb’s channel. So funny. Keep aiming to remember you your age Graham lol.

@aslamiyamohamed2526 Год назад

I love watching both your channels

@mommyofceos Год назад

Congrats on one million!

@Nostradevus1 Год назад

"They just want the money they don't want any trouble." It's funny that's exactly how I have had the Cartels described to me by coworkers who lived in Mexico.

@superbigblack Год назад

You need to do a video on the live coach! Hint it's his most popular video.

@triple_gem_shining Год назад

Caleb is the best

@ProductivityJoy Год назад

Please do more reactions to Caleb!

@posthardcoresinger Год назад

This guy does not have 60 years left at that weight. Very unlikely. Dude needs to get PISSED at himself and use the anger as short term leverage.

@RobinTaylorMusic Год назад

Haha I listen to Caleb's videos at the gym too

@Atrus999 5 месяцев назад

He had a lot of emotional attachment to this badge for some reason. 😂

@uiof1 Год назад

Lol the Ibai cameo is great

@13nlsc Год назад

Wait until you turn 50 or 60. You think we are old, but we are the same- my 25 year old self in older body. I didn’t realize this until I got older.

@soy.ingrid Год назад

Graham, you’re my favorite RU-vidr!

@Zekara_ Год назад

Hey gram, is there ANY CHANCE you could turn these videos into audio only on either a different channel or Spotify? I would absolutely love listening too these videos while doing stuff haha thanks!

@robofitnessrk7204 Год назад

Add was smooth😂

@Jackknife-TV Год назад

I need to reach out to this guy I'm a 1099 truck driver and pretty much I just don't pay my taxes I skirted it a little bit because I was having problems truck breaking down huge bills figure I would make it up..... Then it just got worse Then I took out an SBA loan instead of buying just a brand new truck I bought a used truck paid off my back taxes as much as I could because I didn't want to take out a huge SBA loan and then yet again use semi truck blows up.... Whatever savings I had left in my business and in turn selling my pickup truck I just bought a brand new semi truck with $4,000 month payments and yeah I'm still in tons of debt with the IRS and now can barely pay the SBA loan half the time so great

@17h127 Год назад

Addictions can be gotten over somewhat quickly without help. It's called cold turkey. There's still cravings for weeks to years, but it's mostly behind you fairly quickly. Not everything can be immediately stopped, some addictions need medical help to get over without serious risk of not being alive. Watching stuff is not one of those though. You can just set that one down, though like most things the sucesss rate is pretty low.

@TheOverThinker92 Год назад

He is 32, looks like 42 but acts like a 12 years old

@japanesecinema6736 Год назад

So... My wife works retail and a lot of people are living like this. I understand they are trying to make an example of him, but Graham's mindset is just not a reality for most people. Ive tried to make smart financial decisions and I still am in a lot of debt. Its just not as easy as people make it seem. People just dont talk about their finances and are not honest about their situation.