I've seen a couple of Caleb's videos. Seems like a fair guy. Yells at people who need it and compassionate to those who need it. I have always been very good with my money (our money now that I'm married) so I never got myself in debt. Even now, my husband and I don't buy things with credit cards and if we know there is a big expense coming up (like when we needed a new septic system), we save up for it so that our bank account doesn't take too bad of a hit.