No, No, No!!! Caleb Hammer Encourages BANKRUPTCY | Financial Audit Reaction.

I feel so miserable for this person who

was just on Caleb Hammer's show that I

have to add my insight especially since

I highly disagree with Caleb Hammer's

advice that he gives right here and then

I'll fill you in on the situation very

best pain month your very best pain

month you just break even MH just break

even so in your you said you work 50 to

60 hours a week

yeah he o o and we just like the episode

that got uploaded today this might be

the second time the second time that

bankruptcy might be considered it won't

touch a student loans but the student

loans are not my biggest concern

here obviously your car that's going to

be a situation you're going to have to

figure that out

MH and it's it's you you see you've

you're you've been through the

separation you're going to go through

the divorce and this bankruptcy can have

a very similar emotional toll and so

someone in your situation that's that's

why I just don't really like talking

about it here cuz any studies on you

know mental health when it comes to

bankruptcy and everything concerned it's

it's so rough it's one of the worst

things to go through

so so this is a scenario where you have

a police dispatcher his name is Raymond

he makes about 20 uh let's just make it

on a monthly figure he's 20 years old he

makes about

$3,600 per month meet Raymond here he is

again he's a police dispatcher the

problem is he spends

all of his money which is actually not

terribly surprising given that he's

making $3,600 a month he's barely making

over $40,000 a a year after tax and that

doesn't leave you a lot of money

especially when your housing cost is

somewhere around $900 uh per month with

utilities and other bills associated and

you've got to live you've got food

you've got debt payments you've got a

car payment you've got student loans

you've got a $4,400 debt on a computer a

gaming PC you bought you've got $2,000

of another credit line This is a

terrible situation to be in and the poor

individual just went through a freaking

divorce the problem is in my opinion and

I am a licensed financial adviser

problem in my opinion is Raymond didn't

get the advice that he needed in this

video and that's okay because this is

not a diss on Caleb Caleb suggested you

know what we're going to send you to a

financial advisor that you have

connections with whatever but that is a

great recommendation but here is some

free Insight from meet Kevin okay number

one I used to be a police explorer I

used to work in dispatch and on the road

for thousands of hours and I'll tell you

police dispatch is a great foot in the

door to actually starting working your

way up the ladder we have to start at

the beginning we got to start getting

that top line up 36 $600 is not a enough

the problem is unfortunately what and

and this is going to this is the hardest

thing to say but somebody's got to say

it okay it's hard to say this but

Raymond Raymond okay we are not going to

be a very functional cop until we get in

the shape that we need to be in to be a

cop I don't care if this means hitting

up our insurance to see if wig GOI or

OIC or whatever is an option for us to

get ahead but what we got to do is now

we got to make ourselves marketable we

got to make ourselves marketable in two

ways ASA freaking pee number one we got

to make ourselves marketable to women

number two we got to make ourselves

marketable to the jobs Market those two

things are going to be what change your

life so how do we do that again number

one getting in shape weight loss

whatever it's going to take to make sure

that we are fit to be able to actually

compete in either of those markets

that's step one so step one let's get to

a doctor let's figure out a plan let's

get to a nutritionist let's figure out a

plan the downside is when you're making

$3,600 a month the food that you're

usually buying isn't fruit vegetables

and nuts it's usually to go food that's

unhealthy high and saturated fats it

makes us uh function less appropriately

during the day we feel more tight

uh nutrition is so important actually

being able to function as an

entrepreneur and most people screw that

up okay so that's number one now we're

more marketable to women and jobs

especially jobs that require physical

rigor and not just sitting in a police

dispatch chair for you to be able to get

through the police academy if you get

hired on and there are a lot of openings

at law enforcement PDS right now why

well look 10 years ago you would have

wait like 2 or 3 years to get into law

enforcement today law enforcement is so

hated and know I know this is like

ironic it's like get it stay in the

hated industry it's so hated after what

we saw during uh BLM and and otherwise

law enforcement isn't really respected

anymore it's a tough business to be in

that's actually create an opportunity

though because it's out easier to get a

job as a cop okay you're already in the

world you know your 10 codes you know

your dispatch codes you know how to

communicate on the radio you know how

many of the cops on the road don't have

good radio etiquette of course you do

because you're the dispatcher and have

to deal with it so I want to shake you

and go bro let's get marketable to both

of these you just went through a divorce

it's freaking terrible but let's not

stay in the hole let's climb our way out

you can do this you can I know you can

do it and somebody's just got to get to

tough man I feel bad but we can't

feeling bad doesn't get us anywhere so

we get marketable on women we get

marketable on the job that's too birds

with one stone right there cuz now you

can get through the police academy now

you bump your

income now as your income goes up and if

you can't get the police officer job

maybe you're also applying for

firefighter jobs or you're applying for

whatever other jobs you can you leverage

your skill set in to make more than

$3,600 a month I guarantee you the jobs

are out there you've got to get into a

marketable place now you don't have to

go bankrupt because if you go bankrupt

you're not going to be able to buy house

for the next 7 years potentially there's

some uh FHA 4year programs where you can

get back into housing and I know some

people are like what how could you even

think about buying a house you can't

right now but you want to potentially

destroy your chance of being able to do

that over the next seven years no of

course not what if there's a housing

crash and prices come down and uh then

all of a sudden you have a better

opportunity to to buy real estate uh and

at the same time as your income goes up

your income goes up you're much more

capable of actually making your payments

on time you're not worried about late

payments you don't have to feel bad you

get your act together now obviously

since this is a reaction video I

encourage you to go check out Caleb's

ham Hammer video it's 56 minutes long

you can see the whole reaction but in my

opinion this right here is exactly the

advice that was missing I don't know if

Caleb just wanted to be nice to the guy

whatever I feel bad I breaks my heart to

hear he went through divorce my parents

went through divorce multiple times and

it was one of the most challenging times

of my childhood not only did my parents

go through divorce but then the.com

bubble happened we lost my childh at

home everything was a complete disaster

this is bad okay divorce bad high debt

bad these are things we got to solve but

these two things that I've recommended

starting with making yourself marketable

will help you get out of this hole and

you could do it even in this economy in

fact government jobs are much more

plentiful in a late cycle of an economic

development in in like plain English

it's easier to get good government jobs

that actually pay really

well certainly more than $3,600 a month

in hard Economic Times so use those

things to your advantage you can do it I

have faith good luck why not advertise

these things that you told us here I

feel like nobody else knows about this

we'll we'll try a little advertising and

see how it Go congratulations man you

have done so much people love you people

look up to you Kevin P there financial

analyst and YouTuber meet Kevin always

great to get your

take now I have to read you a legal

disclaimer even though I'm a licensed a

financial adviser licensed real estate

broker and becoming a stock broker this

video is neither personalized Financial

advice nor real estate advice for you it

is not tax legal or otherwise

personalized advice tailored to you this

video provides generalized perspective

information and commentary any third

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deemed endorsed by me this video is not

and shall never be deemed reasonably

sufficient for the purposes of

evaluating a security or investment

decision any links to promoted products

are either paid affiliations or products

or service we may benefit from like my

courses or my actively managed ETF which

you can learn all about at meetkevin.com

I do personally manage an ETF and I do

hold various long positions including

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however I have no relationship to any

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