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Timestamps :
00:00:00 - Intro
00:01:25 - Most upsetting guest
00:02:05 - Valid excuses for failure
00:04:35 - Worst money habits
00:08:22 - Common audit findings
00:08:32 - Why people stay broke
00:09:58 - Discipline vs small purchases
00:10:45 - When small purchases are OK
00:13:29 - Lessons on human nature
00:15:14 - Sponsor - RocketMoney
00:16:53 - Lack of responsibility
00:18:21 - Sympathizing with guests
00:19:24 - Breaking through with guests
00:20:32 - Items keeping people poor
00:22:39 - Accusations of exploitation
00:24:53 - Guest verification process
00:25:34 - Credit card usage mistakes
00:29:09 - Finance improvement tips
00:32:23 - Cash stuffing thoughts
00:32:47 - Are side hustles worth it?
00:34:38 - Tipping without servers
00:36:12 - Sponsor - ExpressPros
00:37:10 - Sponsor - Ramp
00:38:58 - Relating to show guests
00:41:47 - Hardest part of being broke
00:46:24 - Cost of pet insurance
00:49:39 - Your worst financial moment
00:57:54 - Caleb and relationships
01:01:27 - Sponsor - Bilt
01:02:31 - Sponsor - Shopify
01:03:46 - Life goals
01:09:49 - Asking people on dates
01:16:21 - Dating apps
01:18:40 - Finance in relationships
01:19:19 - Who spends more?
01:21:02 - Couple finance advice
01:24:05 - Victim mentality
01:26:45 - Thumbnail complaints
01:29:43 - Caleb's business growth
01:32:27 - Revenue streams
01:39:29 - Fear of dying poor
01:44:06 - Handling criticism
01:49:08 - Quitting YouTube
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
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