I Legitimately Lost My Mind | Financial Audit

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▶Resources I use/would use (with discounts/sign-up bonuses):

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▶Fun things:

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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.

[CalebHammer]

This one actually pushed me to my mental breaking point. After recording a couple rough episodes like this that day, this was just the final nail in the coffin. We ended up taking a week off of recording episodes after this… So, if I seemed a little rough around the edges and wasn’t perfect… That’s why! I like to leave these moments in because in the end, I’m only human and I prefer being open. Love y’all 🙂 feel free to share this video with Someone as we’re really trying to get to 800, 000 subscribers!

[strawbunnyyy]

$440 for a personal trainer and $1200 a month for baby food while taking out a loan for $80 feels like some black mirror shit

[winry]

“I must shop at Whole Foods because I’m eating healthy” and “my two year old is pescatarian and his food costs $1200 a month” meanwhile she’s going out to eat fast food and ordering fast food in many times a month? I think she’s in denial about something.

[Buzz_Killington]

Literally the first 10 secs we can see her issues, paying for a flight instead of fixing her car and driving out. Now 1 bill turns into 2 bills because she WILL have to get that car fixed.

[Kytelngc]

"$1000 to Drake. Don't even have $1000 in retirement". That cut like a razor blade. So real.

[howlingm]

Ironic that she turned her nose up at frozen salmon for being unhealthy but spent hundreds of dollars on fast food

[AdventuresWithMe]

This isn’t a financial channel, it’s a case study in human rationalization, poverty-thinking and entitlement.

[jacksyoutubechannel]

I guess I'm just a dinosaur. You're willing to have a child with someone, to move halfway across the country with them, but _won't combine finances?_ She followed him for his job, but he won't even give her $80 so she doesn't have to take out a loan? I'm baffled.

[MilVetMoney]

Love that Caleb constantly reminds people of their value as human beings and why their bad financial decisions are inconsistent with respecting that value

[frankvonfrauner]

She goes to Chick-fil-A every 2 days but she won't eat frozen salmon? The fuck?

[thecedars]

As someone whose single mom “survived” off of pay day loans and now has $0 in savings and relies on her son financially. PLEASE STOP USING PAYDAY LOANS FOR YOUR SONS SAKE!!!

[mandalyngarrett]

$1200 for food on a toddler!!! That's $400 more a month than I spend on my family of 6, including a teen. And we get snacks, lunch foods, dinners, protein shakes, treats, you name it. That's insane!

[samzie]

As a family of 5 on a low income budget, with teens and a toddler, we spend an average of $1100 a month on groceries for the ENTIRE family. Which includes toilet paper, makeup, pull ups, cleaning supplies, pet food, etc. Which we've always felt is too expensive so we cut corners where we can. We shop at the local discount store, and Walmart, and we eat leftovers weekly. To spend $1200 a month on ONE person for just food, let alone a toddler, is mind boggling to me! Probably one of the craziest things I've heard on this show so far. 😳

[nelsonromano]

The fact that she said “no way, I need to retire before 65” is so beyond disconnected. Ma’am the only way you’re retiring before 65 is if you win the lottery at this point.

[dirtyxbl]

Drake tickets, professional makeup, Whole Foods, blaming weight gain on a child you had two years ago when eating fast food and coffee every day, hiring cleaners for your apartment when you can just do it yourself and funding it through payday loans when you and your significant other clear at least $130k is so beyond embarrassing. God I just saw every stereotype for our generation at once. She thinks she is better than the average person and should get zero sympathy. Worst episode I’ve ever seen and I’ve been a subscriber since 25k.

[workaccount]

Hearing an interest rate of 260% made me audibly gasp. I stumbled across these videos recently and it was like a wake up call I never knew I needed in terms of being serious about budgeting and future financial planning. Never put too much thought into how much of a disservice I was doing my future self by being so irresponsible with current spending. Caleb if you see this, thanks, and anyone else who sees this it's not too late to start being serious about it.

[primal]

I'm convinced people like this keep Door Dash in business. Nobody who is conscious about their money uses Door Dash regularly.

[courtneyjoseph]

Paying $110 to get her makeup done for the Drake concert and full on arguing to justify it is WILD. That part has me shook 😳

[MinneapolisMommaD]

She won’t cut out what she wants but is willing to cut out daycare, the place that is enriching is really telling. This is a horror movie.

[chiffonybunny]

I thought i was delusional. Paying to get your makeup done for a concert is crazy