Gary (guest)

Gary, a 25-year-old water plant operator and college graduate, opens up about his struggles with $70,000 in debt and impulsive spending. He discusses how consumerism drives his costly habits and reveals his view that money isn't real. The conversation explores his side hustles, budgeting failures, and reliance on credit cards as if they were free money. Caleb dives into Gary's maxed-out credit card and high-interest loans, unveiling the unsustainable nature of his finances. Together, they outline an action plan to tackle his financial mess.