(Part 1) Financial Advisors React to Caleb Hammer’s CRAZIEST Financial Audits! Jump start your journey with our FREE financial …
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(Part 1) Financial Advisors React to Caleb Hammer’s CRAZIEST Financial Audits! Jump start your journey with our FREE financial …
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31 comments
Time to watch my high pitch squeaky voice and cringe 😅 love you guys!
The guy with the degree. A college degree is only as valuable as the job that it gets you. And obviously his degree is not worth anything because he's not gotten a job with it.
At some point you stop looking for the dare to be great opportunity and have to go for the dare to be employed opportunity.
"I don't do public math" 😂 I love that. I'm stealing that.
Dont know why youre lauging at bitcoin. It is perfectly sound money and asset, which you are passively invested in with your index funds anyways. It is liquid 24/7. I see the argument that its value vs fiat currency USD can go down with a market downturn, but not sure why the laughing and ridicule. Almost as if it is absurd.
Grow up and study Austrian economics more than 10 minutes, guys.
He is educating us.
At least those that are actually listening.
I’ve realized how dumb I’ve been with my money and spending and now I’m far more aware and things are starting to improve.
I’ve only been watching and learning about finance for a month now.
But I already notice a shift in my mindset and how I’m viewing where and what my funds are going to.
Now I’ll start watching your channel as well 😂
Its tough telling a person who genuinely worked really hard for a degree, its a life goal of theirs, maybe a family goal, and then you have to inform them that "now" the hard part starts.
I wonder how much longer modern secondary education will last when they make you pay $1000 for a grade in Shakespeare when the reality is that report you miss on Shakespeare's rhyming method means nothing to the stress people face trying to keep the heat on.
House renovation can be an emergency if there is water damage
That guy with the "emergency fund" if he just put it in a savings account with 4.5% annualized interest, he could have made 3k each year, more per year. Taking out of the fund is fucking stupid
Anybody saying to sell your 10grand worth of bitcoin is frankly an idiot. Keep savings yes, but don’t sell your bitcoin
I would rather listen to Caleb all day than Ramsey or Orman ever again.
I understand their concerns about the Bitcoin' then… however, watching this 2yrs later… with a 300% increase from then to now… definitely performed better than S&P 500 of 39%… 😅
ok so get me, I'm pausing 40% in to the video and this woman says she doesn't pay taxes? what does she know? Can I also stop, what is this secret thing? And now they say it's scary, what? of course it is scary, you don't pay your taxes? This is confusing in european? Sorry but? what?
Watching this in 2025 I bet the bitcoin guy is mad considering bitcoin is at an all time high
did he sell the bitcoin….
11:00 ok but objectively Information Systems degree is not hard.
It's digging a hole with SOMEONE ELSE'S excavator
You should not spend the emergency fund on a medical bill. You just don't even need to pay those. Let it go to collections, if the calls bother you enough offer to settle it for 35% of the total in a lump sum. Works every time. No credit hit. I've done this 5 times and saved like $12k.
It's a broken system, treat it that way.
Not everyone makes enough money to save for retirement. Why do you both assume that everyone does? It’s uneducated and pretentious.
10:43 Yep this tracks. But seriously, after 10 years of studying post college, we DO get rewarded. What depends is by how much. For instance last month I made $40k net, which is what I used to make in 1 entire year from residency merely 5 years ago. I could make more if I wanted to work harder, of course, but I find my work-life balance decent enough for now. So yeah, we can 10x our income AND work less than as a resident, so IMO, this profession IS very rewarding (and this is just the economical aspect, it is also rewarding to, you know, save/improve lives). For me, since I'm just not used to so much money, I'm aggresively paying principal to the property I just bought and investing a lot, but it should be mentioned that some do scale up their expenses by a ridiculous margin. Good to know with your calculator, that, at 35 y/o, every dollar invested into the S$P 500 is worth over $12 at 65. That is insane.
2:58 And I have $10,000 in Bitcoin…
June 8, 2025 Bitcoin=$106,000
“I dont do public math” is literally going to be what I say until I’m in the grave! Thats priceless
@9:48
If I worked with that guy and found out he had a degree in information system I would definitely ask him if he thinks he a smart kid.
I love watching because I feel awesome! he’s got the best way to make people see how dumb they are with money.
Any parent who isn't thinking about their retirement and their kid's future as a result of their poor planning really irks me. Parents are the reason that children exist, and to think that your actions don't impact your kids, especially as you age is just idiotic.
Not tax advise, but if you are self-employeed making more than about $60K, you might look into becoming an S-Corp to not have to pay as much self-employment tax.
My dad went into retirement with the plan of me helping without my knowledge haha.. guilt is a crazy thing.. I ended up paying his house off for him
You aren’t selling me a timeshare, chill with the arm waving dude on the right.
5:30 You couldn't waterboard half the stuff these people say on the show, but THIS? I bet the IRS is having a field day. 9:50 Oh no, not the information systems guy 😂
My ex wife never understood the difference between essentials and luxuries, which is why we were never able to save up for a mortgage deposit. I'm sorry, your 600 hair extensions are not essential. Redecorating the house is not essential. Your new car is not essential. Your daily starbucks is not essential. A holiday every year is not freaking essential. Amazon deliveries every single day is not essential.
Thank god we split up. I'm now very close to saving up for a mortgage deposit on a small house for myself and the kids. Its only taken me about a year to save up enough for the deposit, which should tell you everything you need to know about how out of control her spending was
DOUCHE BAGS. You two are piggybacking off ALL THE WORK AND INVESTMENT CALEB put into HIS channel. Your fast and loud style doesn’t pass the smell test. You’re the Beavis and Butthead of YouTube.
I think it's better than parents are moving in with kids, opposed to moving into some retirement facility where they don't care about your parents well being at all. It should be a choice though, not out of financial hardship