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Fentuo: “Caleb, how are you feeling after scoring your first World Cup goal” Caleb Yirenkyi: “Great! Good, good” It appears Caleb Yirenkyi does all his talking on the pitch, not much off it 😀 #JoySports

14,098 次观看 • 1 个月前 •via X (Twitter)

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Caleb Hammer is losing his mind on this one. Imagine having $70,000 of bad debt but already having a trip to Italy booked because "it returns on memories" ​Caleb Hammer: "How much bad debt do you have? Bad debt, not mortgage. Bad debt! Not mortgage." ​Guest: "Probably around $60,000?" ​Caleb Hammer: "70." ​Guest: "Oh yeah, I didn't know." ​Caleb Hammer: "What hits your account on a monthly basis income-wise?" ​Guest: "$3,600." ​Caleb Hammer: "$3,600. Okay. How much was spent last month? Give me your best." ​Guest: "Probably about $2,500?" ​Caleb Hammer: "Yeah, $6,600." ​Guest: "66?!" ​Caleb Hammer: "How can we be this far off?!" ​Guest: "I just don't pay attention. I don't. I mean, I know how much is in my bank account." ​Caleb Hammer: "Fine. You don't pay attention, you like to blow your money. Why do you not pay attention?" ​Guest: "cuz growing up money was kind of a hard issue. So now that I kind of have my own money, I just kind of pay what I can and spend what I have in my bank account, without thinking twice about it." ​Caleb Hammer: "What is your goal? What are we trying to do?" ​Guest: "I mean I'm trying to get the debt down so that way." ​Caleb Hammer: "No, you don't. There is nothing that would suggest that. What is the actual. Is there any goal?" ​Guest: "I mean, I want to get to a place with no debt, um, but I also. I'm also going on a trip to Italy next month." ​Caleb Hammer: "How?! How have you spent more than you brought in, like double! How?! That is not a cheap trip!" ​Guest: "No, not at all. I've paid about $1,500 towards it already." ​Caleb Hammer: "But you're gonna eat food while you're there. You're gonna get transportation while you're there. Is Italy providing a return on investment? I don't think so." ​Guest: "No, but it returns on memories and the time." ​Caleb Hammer: "Memories are good, but you could have better and more memories if you do not have 50, 60, 70,000 dollars of bad debt ballooning! Ballooning 30% interest!"

Traeyz ♠️

23,217 次观看 • 25 天前

Caleb Hammer is completely losing his mind. ​This lady has $19,167 in car debt, blamed a "generational curse" for going to Puerto Rico instead of paying her car loan 😪 Caleb: A little past due. Late charge is $19. Past due amount: $832. Total amount due: $1,290. What even is this? Guest: My car financer. My loan. Caleb: What is this car? Guest: 2018 Honda Civic. I bought it used. Caleb: How many miles? Guest: 112,000. Caleb: How much do you think you owe? Guest: I think it's like 19,000. Caleb: It's $18,000. You make $33,000 a year net, and we have an $18,745 car debt. You're not paying your bills, dude. Why have you chosen not to pay this one? Guest: I went on a vacation. ​Caleb: Obviously it's you. The world didn't say, "You must go on a vacation." You did that. How is a vacation possibly more important than your car payment? How often do you use your car? Guest: I work at home three days a week and then two days in the office. Caleb: How far away are you from the office? Guest: Like 30 to 40 minutes. Caleb: So you need this car to have your job, right? And we are choosing a vacation over this, meaning you can lose your job after this gets repoed. How many missed are we at? Guest: It's only those two, I think. Caleb: What was the vacation? Guest: A big group of us went to Puerto Rico in March. Caleb: You don't get to go to Puerto Rico! Guest: But it was fun. Caleb: Is it going to be fun when the car is taken from you and you can't work? You're underwater by $12,000. You can't even sell it.

Traeyz ♠️

24,313 次观看 • 1 个月前