Caleb Hammer on YouTube

[theninthwall]

I'm not sure if there is anyone else here who watches the Caleb Hammer YouTube channel. He puts up videos where he interviews people from around his hometown on their financial circumstances -- mostly people with a large amount of debt.
I'm not sure most of the people here will learn anything (hence why I'm posting in this sub-forum), but it does make for interesting anti-mustachian viewing. There are certainly some people who have just bad circumstances, but others are at the end of many, many bad decisions.
The thumbnails are a little dramatic (as per most of YouTube) but the content is good.

https://www.youtube.com/@CalebHammer/featured

[JAYSLOL]

I'm not sure if there is anyone else here who watches the Caleb Hammer YouTube channel. He puts up videos where he interviews people from around his hometown on their financial circumstances -- mostly people with a large amount of debt.
I'm not sure most of the people here will learn anything (hence why I'm posting in this sub-forum), but it does make for interesting anti-mustachian viewing. There are certainly some people who have just bad circumstances, but others are at the end of many, many bad decisions.
The thumbnails are a little dramatic (as per most of YouTube) but the content is good.

https://www.youtube.com/@CalebHammer/featured

I love those videos, I like to listen to them while I’m working on stuff around the house, I actually posted a link to one of them on here already, was a guy with crazy debt on literally everything you could imagine.  One of the ones that stands out recently was a girl who had really bad credit card and car debt spending more than she earned, who sold (spiritual) life advice etc as a job.  Yikes.  Some of them are pretty put together, but most are entertaining train wrecks lol

[theninthwall]

The spiritual coach was wild. When he told her how much tax she would have to pay on her income you could tell she had never even considered it. And the car...she said she had a $30k loan for a 2020 Rav 4 she bought four months ago and I thought, "Well, that's not exactly the cheapest car you could buy, but it's not too bad." Then she goes on to explain there was a $15k down payment so she actually paid $45k for a two year old Rav 4....ouch.

[JAYSLOL]

The spiritual coach was wild. When he told her how much tax she would have to pay on her income you could tell she had never even considered it. And the car...she said she had a $30k loan for a 2020 Rav 4 she bought four months ago and I thought, "Well, that's not exactly the cheapest car you could buy, but it's not too bad." Then she goes on to explain there was a $15k down payment so she actually paid $45k for a two year old Rav 4....ouch.

Yeah, that hurt my brain about the car down payment, and I had forgotten about the tax thing, double-yikes!

[FIREisCOOL]

Wow thank you for suggesting this channel!  I had never seen it before but watch other financial channels.  This stuff is pure gold.  I have watched two so far and I am hooked!

[LD_TAndK]

Interesting. It's facepunches for zoomers.

The style is not for me but it's great he's making financial responsibility entertaining for people that might not otherwise think about it.