Iced Coffee Hour Podcast: https://www.youtube.com/ @TheIcedCoffeeHour
Jack’s Instagram: https://www.instagram.com/jlsselby/
Jack’s Youtube: https://www.youtube.com/ @jlsselby
The Graham Stephan Show: https://www.youtube.com/ @TheGrahamStephanShow
Check out these fun things:
Patreon: https://www.patreon.com/calebhammer
YouTube membership: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
My socials: https://linktr.ee/calebhammer
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Private 1-on-1 consultation: https://calebhammer.as.me/
Want a free $5? Sign up for Acorns using my link: https://share.acorns.com/calebhammercomposer
Do you want to be in a Financial Audit and you’re able to film in the Austin area? Email castingcalebhammer@gmail.com
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Chapters:
00:00 Job and income
03:07 Valuing his time instead of working
06:10 “This dude is on top of the world”
07:53 He doesn’t care for things…
08:45 Trading on margin…
10:00 He refuses to budget!
12:50 Staying on his parent’s phone plan…
14:50 Purchasing his first home
19:01 Starbucks every sing day…
22:19 BURGER FIGHT!!!
26:42 More fun spending
28:08 “I make my own food SOMETIMES” Plus Caleb creeping in frame
29:05 Even more fund spending
31:45 Amazong spending and credit card
33:01 Time to spend more on Starbucks
34:03 So Much BS Spending!
34:45 Panda Express…
35:55 Doordashing food!
38:12 The total BS spending for his income
39:00 Owning 2 cars
39:50 Current house monies and fleeing CA
45:30 He refuses to invest in the stock market!!!
49:17 HE’S LETTING FEAR CONTROL HIS LIFE
51:45 Massive tax bill coming…
52:55 Is Dave Ramsey Wrong??
59:26 I’m deeply disappointed in your Jack…
01:07:31 Getting out of bed at 11am…
01:08:35 Still trading on margin…
01:11:25 Too much of his net worth is in cash?
01:12:28 Buying a house in 2023
01:14:29 Credit score
01:16:09 Borrow or cash on a new property?
01:16:42 Spending $3,700
01:18:00 Always learning
01:18:45 Why Caleb started a YouTube channel
01:23:00 Check out the Cied Coffee hour!
01:23:26 Hammer Financial Score
My filming equipment:
Camera: https://amzn.to/3OqHkG5
SD storage: https://amzn.to/3OaimKD
Tripod: https://amzn.to/3ObsaEn
Podcast microphones: https://amzn.to/3XaFRc1
Shotgun microphones: https://amzn.to/3ZLYkgO
Sound mixer: https://amzn.to/3w0oUoE
Lighting: https://amzn.to/3REor4Z
Teleprompter: https://amzn.to/3OaiLN9
USB C SD card reader: https://amzn.to/3PAq02m
**Disclaimer: neither this video, nor any content produced by Caleb Hammer should ever be considered investing advice or official financial advice. All content is made for entertainment and educational purposes**
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My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you’re feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it’s completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take.
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Sponsorship and business inquiries: calebhammer@creatorsagency.co
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Give Jack some love for coming on and being so transparent with his money š Check out his Instagram linked in the description and the Iced Coffee Hour Podcast.
Sorry for being in his frame so much, I guess I was very into the conversation :p love you all! And yes… longest video I think I will ever do – lots of banter haha
#PandaExpress
In and out for sure š
Culver's FTW, everyone else is wrong. I'm a Wiscosin boy.
I'm loving the Culver's rep, Caleb, and yes – Culver's FRIES are hands down the best – but I've never been especially impressed by their burgers š¤
So where is Caleb's financial audit???
Culvers is so awesome
I wish I made $300,000/year š
In N Out is Meh
I have to agree that the fries are not that great at In N Out but they DO compliment the burger like Jack said.
Don't suggest an auto loan! His credit is completely fine, anything above 750 is all you need, don't spend money on interest for that. Jeez.
Culver's is genuinely the best fast food burger on the market.
Hes got a ROTH thast hes been maxing out, while making 300k annually?! I really hope hes rolled it because hes WAYYYYY over the income limit to contribuite to a ROTH. one of the easier ways to get Audited when youre a high earner..
lol there's literally unlimited risk selling options
It's always the finance bro's who leave California and say it's going down hill. The issue is the people who leave are never the ones who do anything like community volunteering to understand how CA got where it is. I'm from Michigan trust me there's a lot that makes CA better, but I also have a lot of friends from Nevada that I went to college with in Colorado and they would never send their kids to school there so where as they may enjoy Nevada now, will they enjoy it when they have kids? I know people very well aware of cost of living and know it's increasing in CO and still chose to go live in CO with their kid at the end of the day because some choices are not just about your financial needs.
Iām with Caleb I want to know exactly how much I spend in each category. #budgetnerds
Idk why but I feel sad eating in at a fast food restaurant
You guys are both very charismatic
well you know what they say about guys who canāt bowl
P Terry's. you're in Austin and said nothing about P Terry's, I'm hurt
when covid first hit all my friends all worked minimum wage jobs while i was working in construction operating machinery and they were making more off unemployment than I did working 50-70 hrs a week
Omg I am so excited to see Jack on here !!! Graham Stephan is a must on the financial side of Youtube
A finance podcast host who doesn't know how to do his taxes… Yikes
Never tried In-and-Out I wonder if itās comparable to Steak-n-Shakeā¦. Shake-Shack has really good shakes and burgersā¦ Culverās hits the spot of fries and custard^^ we now have several Whataburgerās in Nashville but itās forever busy so I probly will never get to try it š š¤·š½āāļø oh well. According to Caleb Iām not missing out
Absolutely agree, In-n-out is the worst and every California thinks it is the greatest burger of all time and there is literally nothing unique about it. and their fries are terrible.
This has to be the best episode if watched yet!!!
Watching your channel grow to 200k subscribers as I watch this video, then later in the video learning you will be breaking down your finances when you hit 200kš¤Æ yeehaw
The Burger Fight was so unexpected and hilarious lol
We love Jack lol
I didnt like this guy until i heard he bought a miata
Your credit issues are simply age of accts which you did as early as possible, but over 800 is kinda reserved for 28 years old and 10 year history. Maybe not fair but that last 50 pts is all about credit stamina and long income history
There are so many good burger places in Vegas and he thinks In-N-Out is the best.
I guess this type of collaboration helps Caleb so glad he was able to do it. But as a guest this guy didn't really resonate. I guess it would for those that wish to make it on YouTube and they can see what type of income they could expect if they make it big or know the right people but to be honest at that type of income level your not really worried about making it through the year, plus it looked like he was getting support from his family from the get go and those few "grinding" years were really just him working for extra cash and not for self support/survival. On to the next one!
In-N-out is not that good. Hot take.
To be naive is NOT ignoring. Naive is literally having lack of knowledge, wisdom or judgement. Knowing something and ignoring it is willful ignorance.
When they were talking about In N Out, and he called himself a burger connoisseur, I said to myself "anybody who calls themselves a burger connoisseur and likes In N Out probably also likes Thai food." Then the VERY next segment highlighted that he spent money eating at a Thai place. Nailed it. Thai guy alert.