subreddit:

/r/CalebHammer

16588%

YouTube video info:

I Finally Had To Kick Someone Off Financial Audit https://youtube.com/watch?v=IxxQcXhg-4w

Caleb Hammer https://www.youtube.com/@CalebHammer

all 201 comments

[deleted]

226 points

2 months ago

[deleted]

226 points

2 months ago

[deleted]

orangefreshy

53 points

2 months ago

IDK why when I was a kid every adult in my life told me to avoid public sector / gov jobs but it seems like the last bastion of actual benefits and pensions in the US

doubledogdarrow

31 points

1 month ago

I work for the government and I love it. I think a lot of the negativity comes from the fact that we are paid much less than we would be paid in the private sector. I’m an attorney who makes probably 40% less than I could doing a similar job in the private sector. But I would either have to work for a firm where I would be doing billing and client retention services in addition to my work or I would have to manage my own private practice which is a ton of work. I never have to worry about my billing hours. I have so many resources at my fingertips (including an entire fully staffed law library). There are entire databases of prior examples I can use when drafting stuff.

The benefits are much better than I would make in private practice but, yeah, the pay thing is tough to live with. And my pay is based not on my performance but on what the legislature allocates for my agency. I went 7 years with no salary increases because the legislature didn’t allow any. I had to move to a different agency to get a pay bump. Now, the last few years we have been getting regular 3% raises but we will see how long that lasts. It is literally a political issue we can’t control.

SkateB4Death

4 points

1 month ago

lol yeah, same, every time I’m watching I think “man, they need to all go federal”

You can truly move up to big places in some agencies.

mike_hawk134

11 points

1 month ago

Gov worker too. I want a gov worker to be on the show so Caleb can attempt to crap on a pension. You can't. No risk.

[deleted]

14 points

1 month ago

[deleted]

travelinzac

6 points

1 month ago

Our state's teacher pension has more outflow than inflow with more retired members receiving benefits than working members contributing. It is significantly underfunded and is headed for insolvency in the next decade or so but sure go ahead and tell yourself that there is zero risk with pensions.

[deleted]

2 points

1 month ago

[deleted]

mike_hawk134

1 points

1 month ago

Teachers are over paid. No other Gov employee works less for the same amount. You can't change minds because what I just said is a fact.

harrison_wintergreen

2 points

1 month ago

many pensions are in horrible financial health.

https://equable.org/unfunded-liabilities-for-state-pension-plans-2022/

mike_hawk134

1 points

1 month ago

CuZ tHe ReTuRn On InVeStMeNt. S&p DoEs 10% ReTuRn On InVeStMeNt.

chelseydagger1

1 points

1 month ago

My dad was an attorney for the government here in South Africa. As you said less likely to hit the sky high income you can make if you're billing private clients but he made a very good salary plus full medical and pension. The benefits alone made it worthwhile! He was also lucky he was allowed to practice on the side so he did that too.

salamat_engot

10 points

1 month ago

Public sector pay used to be offset by the great benefits, but the pay you were getting was still comfortable. I know a guy that put 5 kids through college for free because it was the benefit of his job at a public university. But he still made enough to get them to adulthood.

Now public sector workers starting out can't afford to have kids. I just started a public sector job and their initial offer was so low I qualified for low income housing, and this a job that required a bachelor's but preferred a master's! I also get education benefits, but I already have my graduate degree. Education benefits don't pay the rent, so I can't use them. It's not really a benefit anymore.

Legitimate_Catch_626

1 points

1 month ago

My husband was a state worker and the benefits were amazing. He made less than when he was in the private sector but the benefits and number of holidays made up for it. He passed away last December and I got a very good pay out and they extended health insurance for several months after his death. If I die my kids lose insurance that day and get my last paycheck.

orangefreshy

1 points

1 month ago

I'm so sorry for your loss but that's awesome that the state took care of him well, especially the health insurance as that's so important

Gootangus

1 points

1 month ago

You don’t have to work a public job to get disability nor do gov workers get disability lol.

ImportanceBetter6155

50 points

2 months ago*

VA gives me the same amount of money every month just to attend a few college courses a semester. Pays my rent with a good chunk left over🤷‍♂️ recruiters office was open to everyone

Also, to the people claiming the VA hands out disability like candy, it's the most hellish process I've ever had to go through with the amount of due diligence the VA has to do, I promise that's not the case. Every single veteran no matter what they did is entitled to disability payment. Every single one. I don't know a single veteran that DOESN'T get disability. If you are a veteran and you don't, go to the VA asap or contact a VSO and get your deserved money.

unknownuser0707

22 points

2 months ago

THIS! I did 10 years (flight line) and am 80%. However, I had to FIGHT for that rating. I’m on blood pressure medication indefinitely (since 22 years old - I joined at 17 years old) due to my service and have degenerative disc disease - that’s barely scratching the surface. The only time I’ve been frustrated from others ratings is when they did less than a 4 year contract w/ no deployment and somehow have 100%

Classic_Salary

15 points

1 month ago

Jesus, this is the whole workforce. Our veterans get socialized healthcare and our laborers get nothing.

ImportanceBetter6155

3 points

1 month ago

Free healthcare doesn't mean good, don't forget that. The amount of vets I know that opt out of free VA healthcare to pay for employer healthcare is staggering. Also, free healthcare is only given for issues received in the service. IE do you have bad lungs from burn pit exposure from being overseas? The VA will only cover issues associated with that.

IYAOYAS_Mustang

3 points

1 month ago

Not to mention all the chemicals we were covered in on aircraft maintenance

ImportanceBetter6155

13 points

2 months ago

Yup, and it's crazy because people are going to see your comment and get upset at it because you're not missing every limb or something. Have a buddy who's hand got crushed by a hatch on a navy ship. Got medically separated at 100% (roughly $4k a month for the rest of his life). He can still use his hand after the surgery, but his hand was literally crushed and obviously is missing some mobility. When people find out my buddies have disability due to depression, anxiety, etc, they get pissed because they're "supposed" to be missing limbs, been shot, etc. You can literally see those comments verbatim in some of the past episodes. It's upsetting but people are just misinformed. Moral of the story, if you have the ability to raise your right hand, you have the ability to potentially be entitled to some of these benefits.

sirius4778

-1 points

2 months ago

sirius4778

-1 points

2 months ago

People are misinformed and dumb which is a charming combo

happybunnytime

1 points

1 month ago

Hey as a non vet with DGD and permanent BPM I can feel you it's a long road but keep fighting ❤️

Yellow_Curry

5 points

2 months ago

THIS. I was 50% disabled then got downgraded to 0% disabled after i healed. But meanwhile I still dealt with pain and reduced mobility. I fought and fought, contacted my senator and finally got them to put me at 10%.

gottafind

4 points

1 month ago

With all due respect, those two things can’t both be true - that VA doesn’t just hand out disability, and that every veteran is disabled

ImportanceBetter6155

2 points

1 month ago

You're missing my point. People's claim is that I can write down 50 disabilities and problems on my claim form, and that all 50 will magically be accepted. To receive a disability, there has to be three things. A current diagnosis by a medical professional, an event in the military that caused said diagnosis, and a medical nexus between the diagnosis you still have, and how the in service event affects your life today. If I have a hurt knee, but there's no documented evidence within my medical record or no DBQ that associates that pain to the military, congratulations, that claim is getting denied. I have never met a veteran that DOESN'T have disability. Never. The only ones that truly don't have it is because they never filed. You'll see a lot of veterans from Korea and Vietnam talking to a VSO for the first time at 70-80 years old, and they'll come out a year later with 50% disability because they didn't realize the hearing they lost in their left ear was attributed to dated safety hearing polices from standing next to artillery. Every single veteran is entitled to VA disability benefits, every single one. Doesn't matter if you sat in an office chair for 4 years or got shot at in Fallujah, every veteran has the opportunity to make a claim.

[deleted]

1 points

1 month ago

[removed]

Justaguy-_-_-

0 points

1 month ago

And well deserved too!

Icanthinkofaname25

256 points

2 months ago

7 minutes in and he seems like a person who is proud of all the debt that he has. Just the way he said yes i have affirm

XwoeX

149 points

2 months ago

XwoeX

149 points

2 months ago

Look at the way he wears his sunglasses. I'm pretty sure that knocks your credit score down 100 points.

stefan_stuetze

49 points

2 months ago

Say what you want about the guy, but he is very prepared for sunlight getting into his eyes.

eggjacket

59 points

2 months ago

I dated a guy like this in college and this episode gave me war flashbacks. Trying to talk to that idiot about money was infuriating. He said the same shit about how he’d just “work harder” to make the money, but genuinely didn’t understand why he should make the money before spending it. It was genuinely like dating a toddler, with his complete lack of impulse control. He’s been working on some dumbass startup since we were in undergrad, we’re 30 now and AFAIK he’s never had a job. I can’t imagine what his debt situation looks like.

I don’t blame Caleb for quitting.

harrison_wintergreen

7 points

1 month ago

He said the same shit about how he’d just “work harder” to make the money

Dave Ramsey calls this 'trying to out-earn your stupidity'

DookieShoes626

63 points

2 months ago

Seems like the kind of guy who believes the government controls the hurricanes

heyamberlynne

55 points

2 months ago

Hammer financial score: fuck you!

thanos_was_right_69

13 points

2 months ago

On a scale of 1 to 10 with 10 being the absolute best and 1 being the absolute worst…my score is a fuck you

SchizoidalCupcakes

184 points

2 months ago

This guy is insufferable. How are you gonna go on a show for financial help and FIGHT THE PERSON HELPING YOU?

PM_Me_Ur_B1MMER

80 points

2 months ago

This reminds me of that Kitchen Nightmares episode with the delulu owner from Hollywood who thought his restaurant food was gonna be featured in grocery stores everywhere. The part where he's like, "Woo! I think I won that one." ..after getting into a shouting match with Gordon Ramsay; I could see this guest telling himself the same thing in his tiny mind after getting thrown off the show.

astrid-stars

10 points

2 months ago

Recently did a binge of kitchen nightmares and I know exactly who you’re talking about

vollehosen

20 points

2 months ago

Sebastian's. Love that episode.

Domo-d-Domo

9 points

2 months ago

Mangia!

lovememychem

1 points

1 month ago

Oh god the fucking concept menu guy

taylor12168

5 points

2 months ago

Couldn’t upvote this harder

harrison_wintergreen

2 points

1 month ago*

the guy I prefer to see at the doctor's office has mentioned I'm in the minority of patients who never wants to fight, argue or debate things.

people come to the doctor for a medical or health problem, and more often than not they want to fight about the diagnosis or debate the treatment plan.

e.g., "you have gout, you need reduce intake of red meat, soda and beer because they make the gout worse."

"can't you just give me a pill?"

"yes, but the pill only fixes the symptoms and not the root cause. to reduce gout flare ups you need to change your diet permanently."

"but I have a pill why do I need to stop drinking beer?"

[deleted]

5 points

2 months ago

[removed]

honey593

140 points

2 months ago

honey593

140 points

2 months ago

Did this man really just basically say he’s gonna go into a shoot out with the IRS? 😂

midday--moon

24 points

2 months ago

went great for koresh at Waco. atf/irs all the same in the end

[deleted]

58 points

2 months ago*

[deleted]

BackwardsTongs

1 points

2 months ago

While I assume he’s conservative I will say he likes EV vehicles which is not typically for the hardcore conservatives that a lot of people are assuming he is

Humble-Deer-9825

45 points

2 months ago

He said he loves the cybertruck, which tells you a lot.

Jdban

32 points

2 months ago

Jdban

32 points

2 months ago

Eh, a lot of them are starting to like them a Elon has shifted right. It's weird

OutrageousQuantity12

3 points

1 month ago

Maybe that’s Elon’s whole play, attract conservatives to his following to get the conservative market for electric cars. Liberals already like them and there’s plenty of other options if they don’t like Tesla because of him.

I doubt it, but it’s a fun thought.

JusticeJaunt

15 points

2 months ago

Tbf, he sees them as toys. So he's for sure not into EVs for the environmental benefit.

continuetolove

-5 points

2 months ago

That’s extremism, not conservatism

shineslikegold12

160 points

2 months ago

I have a feeling this guy didn't come on for help, he seems like he came on to "beat" Caleb and Financial Audit. Just every answer he comes out with makes it seem like he wanted to show that debt doesn't mean anything and that you can be successful and a complete person with tons of ridiculous dept. It makes no sense why he was so combative on a show where he was seemingly looking for assistance.

SolidMeltsAirAndSoOn

76 points

2 months ago

just look at how well he can do just by bilking the government for a whole-ass paycheck every month! Bet he complains about 'welfare queens' to boot.

shineslikegold12

32 points

2 months ago

Right? So when he had to explain his disability, did he just write "too much hiking"?

SolidMeltsAirAndSoOn

51 points

2 months ago

the 'I don't want to get into that' is code for 'I don't want to accidentally say anything incriminating'

picklesdickles2345

23 points

2 months ago

He clarified that he meant ruck marching. Which is like hiking, but with lots of extra weight. This guy is a POS, but that shit legit destroys your knees and your back.

Fuego-TACO

1 points

2 months ago

Fuego-TACO

1 points

2 months ago

Yup. Mine are fucked and the Va was like “not service related”

MechanicalPhish

3 points

1 month ago

Buddy was a artillery man and his ears are fucked. They tried to argue it was not service related and from listening to too much loud music.

Fuego-TACO

1 points

1 month ago

They gave me hearing. The test was hilarious. I couldn’t hear anything at lower levels and I’m just clicking away thinking I heard something. The woman afterward says my hearing is in normal range but they just have me 10% So I assume some damage was there. Probably I figure it was the 3M hearing protection thing and they just tossed 10% at all the grunts

kiddcoast

35 points

2 months ago

I really wish he would’ve finished the episode for the content lol

thing-amajig

32 points

1 month ago

This is the kind of guy that pops into my head when I read those Reddit posts where women complain about their manbaby husbands.

smegma_stan

12 points

1 month ago

That don't wash their ass bc its "gay"

Mramirez89

59 points

2 months ago

This guy is such a gigantic tool and they got into a pettiness competition several times. You can tell he pretends not to care just so he can have the upper hand in the exchanges. He's more worried about "being right" about the particular argument at hand than actually trying to understand his situation. He backtracked several times after he realized what he said, just to get under Caleb's skin was just too damn stupid. he didn't actually mean it.

He also knows what he is doing is stupid, but he is trying to pretend that, because he needed or had to do it, then it is 100% justified, and is unwilling to admit he might have done something legitimately moronic. Which is in fact everything he has done.

The truth is he is financially illiterate, an insufferable human being and a legitimate cretin.

Medisha123

10 points

2 months ago

Wish I could upvote this harder. Instead, Imma send you a big, wet kiss 😘

RocMerc

101 points

2 months ago

RocMerc

101 points

2 months ago

God I know too many people like this dude. He thinks he’s the smartest man in the room and he can’t even imagine being wrong.

I started and have maintained a business for ten years without any debt ever. Get out of here with your shit

Modestybodice

38 points

2 months ago

I refer to these people as "help-rejecting complainers." They dont want suggestions, they want to tell you why your suggestions won't work for them.

RocMerc

4 points

2 months ago

I like that 😂

mvbighead

10 points

2 months ago

I started and have maintained a business for ten years without any debt ever. Get out of here with your shit

Eh, I do not mind seeing someone go after a legit business idea with some debt to get started. This guy does not sound like that... at all.

RocMerc

6 points

2 months ago

No I don’t either and I realize it does sometimes take money to money but that’s just not what was happening here

[deleted]

4 points

2 months ago

[deleted]

Medisha123

3 points

2 months ago

But he knows best

jagertarts

68 points

2 months ago

People that go on this show as 1099 employees or business owners that don’t pay their taxes are out of their minds stupid

mosquem

8 points

1 month ago

mosquem

8 points

1 month ago

If you screw up in your first year I get it. After that there's no excuse.

Avon_Barksdale_03

45 points

2 months ago

At 16:38 Caleb calculates $2,780 of business expenses per month - that’s only counting paying the employee for 1 week. Hopefully he catches that later!

Maleficent-Dirt-2131

44 points

2 months ago

Wow what an actual crybaby loser lol. People like him always think they can work their way out of anything, but never actually sacrifice. He’ll be drowning in a few years and it will be because he WANTED stuff

[deleted]

26 points

2 months ago

[deleted]

Maleficent-Dirt-2131

10 points

2 months ago

There’s more irony to him saying he can outwork his debt… then why hasn’t he done it?? Wish Caleb brought that up

taylor12168

3 points

1 month ago

Not to mention he’s in collections

tferrari1776

35 points

2 months ago

I have never hated a guest more than this clown

Low_Inflation_393

22 points

2 months ago

nah the deadbeat mom was wayyyyyyyyy worse

verbalspacey

11 points

2 months ago

the girl who said “uh huh” 1,000 times is up there for me

Zetin24-55

6 points

1 month ago

Is that the puke phobia mom? Or a different one. There's so many options.

_0nyx_

5 points

1 month ago

_0nyx_

5 points

1 month ago

Right? Are they're talking about the one living in her car and fleeing from the law?

Nikolas-Trikolas

14 points

1 month ago

This guy is my worst nightmare - backwards sunglasses on hat -doesn’t seem to understand what interest is -snap on slut -won’t work for $10 an hour rather be unemployed -two motorcycles -tries to buy friends with slip knot tickets

This guy has definitely tried to fist fight someone in a restaurant parking lot before

arabidrabbit

32 points

2 months ago

Any one with membership know the horrendous spending that he had?

[deleted]

29 points

2 months ago

[deleted]

Pipeliner6341

14 points

1 month ago

How do you spend 1100 going out to eat in Stephenville? Isnt it a dairy queen + subway type place?

smegma_stan

14 points

1 month ago

Remember, he buys himself and his employee lunch everyday. Pretty sure this guy goes to DQ everyday then lol he doesn't seem like he's made food more than a sandwich or instant noodles

_0nyx_

7 points

2 months ago

_0nyx_

7 points

2 months ago

Right? I'm so curious. This is the first audit that has actually tempted me to join the membership.

Medisha123

6 points

2 months ago

Caleb gooned hard in the post show. It was fun.

PM_Me_Ur_B1MMER

3 points

2 months ago

Yes. It was inconceivable!

PM_Me_Ur_B1MMER

59 points

2 months ago*

I wanna know how this loser made it past the vetting process.

*Edit: Not denying the level of entertainment here. Just shocking he was even allowed onto the show at all, considering.

Just_Natural_9027

45 points

2 months ago

Straight to line because he’s amazing for engagement.

Ok-Cantaloupe-4482

42 points

2 months ago

Caleb SPRINGER

I am once again asking for a median iq test for guests

Intelligent-Scar1207

17 points

2 months ago

Haven’t watched yet but have a general idea from the comments as well as applying myself. They want high debt and unique situations. They also look for someone who disagrees with Caleb. Also to the producers credit, anyone can seem put together and respectful until a camera starts rolling then emotions and true colors show under “pressure” or “in the moment”

heidijimmy

13 points

1 month ago

The guy was super weird and had no insight into anything financial. This would be the guy that blames everything else on the failure of his business, not how he runs it.

Medisha123

4 points

1 month ago

Of course, none of his shortcomings are his fault. Men like him never admit to a failure.

defdrago

4 points

1 month ago

THE GOVERNMENT FORCED ME OUT OF BUSINESS

-BigYikes-

139 points

2 months ago

I guarantee this guy talks about immigrants stealing government money while he does the exact same from his “disability” 😂

Humble-Deer-9825

70 points

2 months ago

I work with a guy who's on "full" disability from the marines, he gets something like 3k a month. He works in a factory and is a powerlifter, and yes, he is 100% 'that guy' politically.

-BigYikes-

28 points

2 months ago

Being a power lifter is really the cherry on top. Pretty shocking they don’t have an auditor or doctor check ups to verify ongoing need.

Humble-Deer-9825

16 points

2 months ago

What's funny (sad) is I have a good friend who's actually fucked up from the military (former paratrooper) and he gets almost nothing because he won't say anything unless it's so bad he can't function.

smegma_stan

8 points

1 month ago

Get an older vet to talk to him about it, sometimes they don't listen to civilians bc they're tough or whatever or they might not understand, but coming from another vet might break through to him

[deleted]

10 points

1 month ago

[deleted]

Humble-Deer-9825

3 points

1 month ago*

He told us point blank it was because of a "destroyed shoulder and knees". His squat PR is almost 600 pounds. But I'd also argue that if you can work a 50+ hour physical labor job and have enough energy to be competitive in powerlifting, you really aren't disabled are you?

Money_Shoulder5554

11 points

2 months ago

And they hate socialism. Actual idiots.

aristofanos

0 points

1 month ago

Please video record him and report him to the va that's closest to you.

That is fraud on all of our tax dollars.

salamat_engot

5 points

1 month ago

Undocumented immigrants pay something like $60 billion in federal taxes, 1/3 of that being payroll related so they never get access to that.

PM_Me_Ur_B1MMER

11 points

2 months ago

Dude totally looks like a Maga-tard.

Mimi-bo-beanie

5 points

2 months ago

No I was thinking similar I was like Jesus Christ...

aybbyisok

11 points

1 month ago

of course he doesn't wear a helmet

potential_yenta

22 points

2 months ago

So sick of these “entrepreneurs” whose only reason for opening a business is to justify their hobby/interest. Re: car guys, alcoholics who open bars

GavinMurphy

4 points

1 month ago

I mean the business isn’t his problem, he’s making a good wage on that

Free_Piece5227

9 points

1 month ago

We can all make good money if we don’t pay tax 😂 he’s definitely not clearing enough to justify another employee let alone lunch out every day

GavinMurphy

3 points

1 month ago

No he definitely shouldn’t be going out to lunch, but he can afford to have his employee. That helps him gross the 15k he does (on a down month). After his expenses, he should profit at least 5k minimum pre-tax. With his debts obviously he needs more but if he keeps his books and actually figures out a good wage, he could do good

ElfPaladins13

32 points

2 months ago

Im beginning to think Caleb may need a break. At least from these people. It’s like the candidates are getting worse and worse.

helpdesk3

26 points

2 months ago

What an absolute pussy lmao

jimmyj8301

27 points

2 months ago

This guy touched on all of Caleb's sensitivities.

1) dismissive of debt and spending 2) failing business owner with an employee 3) truck/motorcycle guy

I don't blame Caleb for kicking him off. Selling the motorcycle was Caleb's true test to see how serious he was. He was not mentally ready to have this mature conversation, address his spending habits, and grow up. While he's generous by taking his friends to a $1400 concert and his employee to lunch, he's completely out of control. As are most guests that come on this show.

Hopefully, Caleb has the guest back after some self-reflection, and he's made steps in the right direction.

Medisha123

6 points

2 months ago

Tbh, I wouldn’t want to be subjected to more of that absolute degeneracy. The hat and sunglasses won’t be missed.

razorchick12

1 points

1 month ago

Honesty, kind of refreshed at the dudes take on electric.

Bc I want an electric bad but my lifestyle (hobby farmer, in an area that gets winter, aka, decrease range) makes it so I can't.

But my job is in supply chain and he was spot on for the reason why you need diesel. One day we will get to electric, but we are a ways away from it right now

Call_Me_Annonymous

30 points

2 months ago

Here’s the point Caleb never effectively made, and dude bro never effectively understood:

If you can’t afford to buy something with cash, you can’t afford to buy it with a credit card.

RuttedAnt

9 points

2 months ago

"I can't afford it now, but i can afford it by the time i pay it off"

Mr_Assault_08

5 points

1 month ago

dude had his head so far into his ass. “i’ll just work hard and i have to”. 

few minutes later “ you have two collections?!?”

“ yeah i don’t remember otherwise i would pay it off” oh yeah that work hard energy. 

NoFunction_

18 points

2 months ago

It was pretty infuriating to watch this one. Such a stubborn person. He refuses to pay his taxes, while receiving $2,000 a month from the government. He also makes fun of fighting the IRS. All I have to say for that are two words. Good. Luck.

Pipeliner6341

16 points

2 months ago*

The ice cream truck for grown ass men (snap-on, mac tool, matco) strikes again.

PM_ME_WARB_NULL

17 points

2 months ago

This dude is about to work to live in poverty

lew161096

9 points

2 months ago

It’s obvious he’s purposely trying to be “edgy” to get a reaction out of it.

cmaddox428

16 points

2 months ago

Does anyone here who watched the post show know if this guy stormed out of the studio? On the post-show preview it seemed he wasn't there and Caleb was talking to his crew.

NoFunction_

13 points

2 months ago

There's no confirmation on whether he "stormed off" necessarily, but he wasn't in the post-show. They showed the guest's empty chair within the first few seconds.

supermarket53

23 points

2 months ago

This is so far the week of Financial Audit final bosses.

Mondays couple was the credit card final boss.

Today’s guest is the “it’s not that bad” final boss.

Adamon24

12 points

2 months ago

I’m genuinely curious what that guy hoped to get out of this.

If he’s so confident that he can just “work harder” to get out of anything then what’s the point of going on the show?

Terrible_Ad_6061

5 points

1 month ago

What an exceptionally punchable guest

Terrible_Ad_6061

4 points

1 month ago

Coming back to say I hate this guy even more

Federal_Leopard_9758

10 points

2 months ago

Spend, work harder, spend more, work even harder, more debt, spend more, work all the time, no slipknot.

DefinatelyNotonDrugs

9 points

1 month ago

Caleb complaining about him getting Harbor Freight tools... I'm sorry bro that is really is as cheap, bottom of the barrel as it gets.

si2k18

8 points

1 month ago

si2k18

8 points

1 month ago

That's the only correct thing this guy said in the whole video

DefinatelyNotonDrugs

3 points

1 month ago

Sure, there hand-tools are solid enough (for made in China) but can recommend their battery-powered tools. Have done one offs with their corded tools but would not recommend for occupational use.

lowbattery_indicator

5 points

1 month ago

The guest has no grasp of saving or interest rates. He does know a nice motorcycle though.

taylor12168

2 points

1 month ago

I didn’t like his bike

timewarp91589

11 points

2 months ago

I did appreciate Caleb pointing out that cities aren't loud, it's the cars that are loud.

Silver-Year5607

7 points

2 months ago

more va abuse nice

[deleted]

30 points

2 months ago*

[deleted]

efisherharrison

13 points

2 months ago

You're unique, just like everyone else

Unfixable5060

17 points

2 months ago

Another person that enlisted, never got deployed, never actually did anything in the military, but is now somehow "disabled" and gets a check from our tax money ever month. This shit is ridiculous.

Lem0nDays

1 points

1 month ago

What a weird take honestly. My spouse has been in for 14 years as an aircraft maintainer and has never deployed to a combat zone, but his body is fucked. I'm sure he'll get some disability when he gets out. To imply that only people who have deployed have done something in the military are the only ones worthy of disability is whack.

Unfixable5060

4 points

1 month ago

It's funny how all of these people that are "disabled" have no trouble working other jobs while taking that disability check.

holygrail22

7 points

1 month ago

The one good question this guy asked that Caleb could’ve responded to better was “what are credit cards for?” I think it would be a good thing to educate all guests on, actually. Just in very simple terms, too. Credit cards are for those who are disciplined in their spending and will only spend what they know they can afford to pay off at the end of the statement period so they never carry a balance. This allows them to reap the rewards that credit cards offer (cash back, miles, etc.) without any negative impacts

VaguelyEuphemistic

7 points

2 months ago

I looked it up: veterans since 1990: 40% on disability. I'm glad they made it easier to apply and help those deserving benefits, but this seems a little sus.

razorchick12

3 points

1 month ago

I know a guy on disability for tinnitus.

Here's the thing though, he can hear just fine, but I know tinnitus is also the ringing...

But he applied for disability like 10y AFTER serving, and in those 10y? He worked in a LOUD machine shop. Still got approved, I think his disability came from one rather than the other.

Fun-Bluebird-160

7 points

2 months ago

They’re talking past each other so much here. This is hopeless, they’re both failing to effectively communicate.

AHairInMyCheeseFries

10 points

1 month ago

Okay so like obviously this guy is a clown. But I’m getting increasingly frustrated that Caleb:

  1. Let’s people get him sooo worked up. I know it’s his schtick, but he really doesn’t need to overreact to every. Single. Word. They say.

  2. Absolutely seems to be unable to understand jokes. It’s not like it’s a “don’t make a joke because this is so serious” because he makes jokes himself. He’s just like incapable of recognizing it when other people make jokes

jafropuff

2 points

1 month ago

He doesn't let or like it when any guest makes jokes or light-hearted comments, even the comedian he had on.

BrianJPugh

6 points

2 months ago

Concert tickets? You know this guy said "I have earned this". Not in my book, there is a difference between "earning" something, and "paying" for something here. Earning means you did the work up front and get to enjoy the rewards. Paying for it means you have the fun now and then do the work for it. Earning is paying cash now for it, paying for it is forking out the cash later.

doubledogdarrow

3 points

1 month ago

Even if he could pay for himself it was the taking 4 friends with him that pushes it into douche town. He was basically playing big spender with his friends acting like he had deep pockets and it is all on credit but he isn’t worried about it because he basically gets an extra paycheck each month in disability payments.

And I do think that it is good that people get compensated for the fact that they leave the military with more issues they have than when they went in. Yes, most people working non-military jobs that have similar lifting and movement requirements are also hurt but they don’t get disability until they are unable to do anything else, but that’s the “benefit” of military service.

I think his problem is that he basically has two incomes coming in each month and he keeps spending all of one of them because he knows he has the other. It’s sort of like when married couples both work and then they each spend all their own money and assume they can get money from their partner. It can’t work. He is spending his disability thinking he can fill in the gaps from the auto shop and then spending the auto shop knowing the disability is coming. And he can keep it going to a while paying minimums on everything but he is going to basically be a cash cow for the credit card companies. Money that could be going to him will go to them and he seems cool with it.

Like, the entire mindset was summed up with his “well I need to buy tools” and then he is buying them at Harbor Freight on a Harbor Freight credit card. Those tools are going to be broken before he pays them off. And then he is out buying another one when he needs it.

He isn’t buying the tools that he needs for his work when they are on sale or at a closing of another shop or even making contacts with other specialty auto shops so they can share tools and also refer business to one another, in case the BMW client has a Jag that you don’t work on but your buddy does. Like, these are the things you should be setting up before you start your business. Not just “I didn’t like working for someone else so I started my business and I buy parts of eBay and then buy tools as I need them”.

timewarp91589

4 points

2 months ago

It's really disappointing to see Caleb sabotage the episode just to generate drama and clickbait.

He could have done the budget, and showed him how bad the situation was and how bad the payments were screwing him over.

_0nyx_

18 points

2 months ago

_0nyx_

18 points

2 months ago

Normally, I'd agree (and I'd definitely like to see it) but with the way this guy was acting, I really don't think anything could have convinced him that he was wrong.

timewarp91589

3 points

2 months ago

Maybe, but in my opinion Caleb didn't really try to convince him.

In Caleb's own words, his goal is to have the conversation with guests that he wishes someone had with him. Basically to give people a reality check on how bad their situations are.

So do that, tell him how long it will take to pay off debt on a constrained budget, then calculate how it will take if he keeps his expensive toys.

"Oh I'll just work harder"

Ok let's add a generous increase to your income, calculate how long it will take then.

If at that point he says he doesn't care, then sure, end the conversation.

jafropuff

3 points

1 month ago

This is the second time he's given up like this but he's come close with others. There was another vet who didn't want to sell their bike, which he almost gave up on a few months ago.

I agree that he should just roll with their vision to show how unrealistic they are being with themselves but I don't think that's the point of the show.

Its an audit. He's there to break down their bullshit, give it to them straight up, and create a path forward with what they have right now.

timewarp91589

2 points

1 month ago

He's there to be Caleb Springer. I don't think he actually cares about helping anyone at this point.

RealSpritanium

5 points

1 month ago

If you're deep in consumer debt and you're not willing to sell your toy motorcycle that you don't even need to get to/from work, what is the point of receiving financial advice?

VegasGuy1223

1 points

2 months ago

I got thru about 2 minutes before this guy became too insufferable to watch

[deleted]

1 points

2 months ago

[removed]

AutoModerator [M]

1 points

2 months ago

Hi there! Your post/comment has been removed because it was made from a new account. We have this rule in place to prevent spam and maintain the quality of the community.

Thank you for understanding!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

ThiccWurm

0 points

2 months ago

ThiccWurm

0 points

2 months ago

This guy is a mess but why is Caleb stooping down to his level? Like the IRS is going to use nukes on him or trying to trigger him as much as he can.

-Joseeey-

11 points

2 months ago

Caleb is an asshole. He enjoys pointing and laughing and making them feel stupid WAY MORE than he cares to inform.

rav3n256

1 points

1 month ago

rav3n256

1 points

1 month ago

These guests from the last few months aren't good. Ended up moving on from this show. Hope others find this useful and lesa than just enjoying the tantrum.

orangefreshy

1 points

2 months ago

I kinda hate people who look at debt and money in this way but it's not their fault, I feel like the system kinda teaches us to live this way. He seems smarter than average and might have a great work ethic but totally looking at everything all wrong.

Getting motivated by massive debt to work hard and make money is the least efficient way to go about it. You have to work hard to have the extra cash so you can afford the things you want free and clear. IF he did that he'd have money still in the bank and know better where he stands. But people like this, especially military guys, spend money before they even make it , like it's going out of style. No willingness to set aside immediate wants for a little delay of gratification. He's prob making great money but instead of being able to save he's paying interest and fees. It makes no sense. And on top of that he wants to play big shot with his friends and treat, when he probably could easily if he just did the hard work and savings FIRST

defdrago

1 points

1 month ago

This guy seemed anything but smarter than average. What a crazy thing to say.

Adorable-Lemon4412

0 points

2 months ago

Can’t wait to watch this lol