This Millennial Has 9 MAXED OUT Credit Cards

The YouTube Creator Academy:

My ENTIRE Camera and Recording Equipment:

[LaurenPaigeSQL]

Watching these Graham and Caleb crossovers is like the adult version of the Jimmy x Timmy Power Hour on Nickelodeon 😆

[tranquil]

Hope this spotlight helps Caleb hit 100k. He’s close and his content is so good. His editor has also made the content very polished.

[KurtisB]

Next step: Get Caleb on The Iced Coffee Hour podcast!

[cameronmichael]

I’m glad you found Caleb’s channel! Been watching him since his first video. Sometimes people need tough love and he’s able to give that to them .

[matthewearlywine]

When I was in high school we had an elective called “Business Math”. Basically taught us to do everything from check writing/balancing to loans/interest calculation. From filing taxes to budgeting income. Luckily I’ve always had an interest in finances and I really enjoyed the class. Really think we throw people to the wolves when we send people out at adult hood without this knowledge. Not saying this is or isn’t their fault but I think classes like that would make people more cautious with financial decisions

[MorganAdair]

Absolutely LOVE these crossovers. Caleb's channel is a gem.

[dreamerlotus]

When I first watched Caleb I thought wow he's harsh, however watching a handful of them I realised these people NEED the tough love. No one out there is getting across how severe their situation is. Caleb's videos have helped me get my finances together, though wish he'd interview some British people because everything is dollars and strange

[toriambrr]

her face 😂😂 she’s like “i don’t wanna talk about this anymore”

[Sandra-Renea]

Caleb’s videos are so addictive. I’ve been binging for a few weeks.

[mikeyserrano]

Coming from someone who used to work in the gig economy for food delivery/grocery delivery, what really helped me keep working a lot of hours was keeping track of my daily earnings and seeing how each day contributed towards my financial goals or hitting the income threshold I needed to get by. I started seeing daily income as a little game, and started trying to beat the previous “high score“

[Rosie-rqkx]

finally someone who is real about door dash working and insta cart sometimes not worth it with gas prices and wear and tear on your car .

[vanbeek]

Thanks for supporting smaller creators! Been watching Caleb since his first video and it's been my daily morning financial reality show ever since. 😅

[amandadean]

The bad news: her finances are a hot mess. She’s exactly the kind of “spender” that Dave is talking about to stay away from credit cards—she treats them like cash in her pocket. Good news: she’s still pretty young and can turn it around if she gets serious!

[mikiYT]

LETS GO! Caleb is great, glad he's getting the recognition he deserves.

[triple_gem_shining]

Been watching all Caleb's vids. Graham and I have too much in common . Thanks for being an inspiration graham

[jonimarquez]

I love Caleb. He is so patience with some of these people who are clueless on finances. I thought I was bad but when I hear other peoples stories then I don’t feel so bad.

[CluebearBacon]

You know, I didn’t go to college, but at 21, I have a really well built
Savings just from working. $50k in the savings, 20k in checkings, have a 401k started. Yea, did I miss the “college experience” but I’m much better setup for my future I feel. Helps that I don’t buy anything for myself unless I literally need it (phone is broke, clothes are ripped, ect) don’t go out to eat, keep my expenses low as possible

[EVO.w]

In my early 20s bought stuff with credit card couldn’t afford.
During the pandemic I had focused on Need vs Wants. It was clear to me, so I bought what I can afford to pay off end of the month. The school system doesn’t teach financial independence because they want you to fail.

[alisalaska]

I feel like so many just choose to live in ignorance and don’t want to sit down and figure out how much money is coming in versus going out. Living in avoidance is easier than dealing with it. And I’ve been there so I get it. But it’s still crazy.

[willg]

Have been absolutely addicted to Caleb's channel. He's blowing up and seriously deserves it!