this post was submitted on 16 Oct 2023
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Fuck Cars

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[video] Caleb Hammer gives financial advice to people in extreme debt, guess what a lot of them have in common? (www.youtube.com)
submitted 1 year ago* (last edited 1 year ago) by ericbomb@lemmy.world to c/fuckcars@lemmy.world
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They all felt like they "needed" a nice car and bought one at a crazy rate. Or some even took out crazy car loans to repair their current car. Like the perception that you need a nice car is crazy.

A lot of people are actually upside down on their car loans. Those he can he tries to convince to sell their cars, but they straight up fight him on it even after he breaks down how financially devastating it is to have a depreciating "asset" that has a 20k loan at 30% interest rate.

Here are some more shorts of people with insane car choices. Basically 9/10 of his episodes have people with bad car loans, these are clips of just the worst ones. If you search his channel for "Car loan" or "car debt" a ton of his full episodes mention car debt in the title because of how many people are utterly ruined by it.

(Also fair warning, he's super abrasive and direct on people who put themselves into really stupid debt.)

https://www.youtube.com/shorts/Y5bgcbEe884 https://www.youtube.com/shorts/GQ5WJCRM804 https://www.youtube.com/shorts/in9C032P43M https://www.youtube.com/shorts/Nnj47Pf7DAM https://www.youtube.com/shorts/YyvMK81uw98 https://www.youtube.com/shorts/_TKFkS7watk https://www.youtube.com/shorts/Nbiic9ACXh4 https://www.youtube.com/shorts/gGeXQbhLccU

So yeah, fuck car culture that makes this possible and convinces people it's okay.

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[–] fetter@lemm.ee 1 points 1 year ago (1 children)

I found Caleb maybe a month back, and while I am not in the situations he is assisting people with, holy shit is this stuff needed. The USA has no financial literacy education, and poverty is a multigenerational vicious cycle for many various reasons.

Sadly, in many locations (especially Texas where he is based out of) a car is a necessity because of the lack of public transit. A car can quite literally be the difference in being stuck in a depressed town you grew up in or moving up in life. It shouldn’t be this way, but it currently is.

[–] ericbomb@lemmy.world 1 points 1 year ago

Oh no argument transportation is difficult.

But for so many people there are such cheaper options. A cheaper car, a moped, ebikes. Those work for so many people.

But we have mountains of financed f150s instead.