Per
Personal Finance
Topic
71.4%
Accuracy
Recent Predictions
Incorrect: 3
Pending: 187
Unrated: 1
Prediction
Author
Predicted at
Status
Video
Based on a USA Today projection, $1.5 million will be needed for comfortable retirement in 30 years.
"In 30 years, according to USA Today, you're going to need closer to $1.5 million to be able to retir..."
Jan 2, 2026
Pending
Credit cards typically charge around 20% APR.
"The credit card is charging you 20% a year."
Jan 2, 2026
Correct
Investing $1000/month for 21 years (at an average market return) could lead to approximately $1.1 million.
"And after 21 years, you're going to have about $1.1 million."
Jan 2, 2026
Pending
Investing $1000/month for 5 years (at an average market return) would yield approximately $77,000, more than the depreciated value of a financed car.
"after 5 years, you're going to have about $77,000, which is more than what the car was worth."
Jan 2, 2026
Incorrect
The S&P 500, accessible via ETFs like SPY, has historically grown by more than 10% annually over decades.
"SPY to get exposure to the S&P 500, which we've seen grow by around 10% a year, actually more than 1..."
Jan 2, 2026
Correct
Investing $500/month for 30 years at a 10% annual return can result in approximately $1 million.
"If you do this after 30 years, you're going to have right around $1 million after those 30 years."
Jan 2, 2026
Pending
Achieving a 13% annual return on $500/month over 30 years could result in $1.75 million, significantly more than a 10% return.
"If you can get 13% a year, now you're not going to have $1 million. you're going to have closer to $..."
Jan 2, 2026
Pending
Investing $1000/month for 10 years (at an average market return) could result in approximately $220,000.
"After 10 years, you're going to have about $220,000."
Jan 2, 2026
Pending
Historically, the stock market has seen an average annual growth of 10%.
"The stock market has grown by around 10% a year."
Jan 2, 2026
Pending
The US stock market has historically averaged a 10% annual return.
"The stock market has grown by an average of 10% a year."
Jan 2, 2026
Pending
Americans are predicted to spend twice as much as they earn.
"Americans make a dollar to spend $2."
Dec 21, 2025
Incorrect
Traditional Indian mindset encourages saving 80% of earnings.
"Traditional Indian mindset people make a dollar to spend 20 cents, right? Because they're conditione..."
Dec 21, 2025
Incorrect
One of the participants recognizes the need to address their finances together and acknowledges the current situation is 'ridiculous', implying a future commitment to financial planning.
"I'm going to make sure that I sit down with her so we can do this [ __ ] together. This is..."
Dec 8, 2025
Pending
A clear financial plan is proposed, including buckling down, couples therapy, a 14-month budget, a six-month emergency fund, and eliminating debt within a short timeframe, suggesting a forward-looking approach to financial stability.
"Buckle down. Couples therapy. Budget 14 months, then six month emergency fund. That only takes a few..."
Dec 8, 2025
Pending
The guest plans to reduce the debt on their Jeep to $6,000.
"I'm going to bring the Jeep debt down to six. Okay. What's your rent?"
Nov 19, 2025
Pending
The guest is projected to be debt-free in 1.5 years if they adhere to a budget with $250 allocated for 'fun' expenses and delay starting their business.
"Okay. Well, if you actually follow this budget, $250 for fun, nothing more beyond that, which you bl..."
Nov 19, 2025
Pending
The guest's financial score is assessed as 2 out of 10 for spending habits, 1 out of 10 for emergency funds, 3 out of 10 for retirement, and 0 out of 10 for real estate.
"I'll give you a three out of 10 cuz you're just getting started. Okay. I'll give you a 2 out of 10. ..."
Nov 19, 2025
Pending
Predicted that ₹1.5 lakh will be obtained by mortgaging gold.
"I feel that by mortgaging that gold he will get ₹1.5 lakh"
Nov 19, 2025
Pending
The speaker is being told by a mystic that they will be on Financial Audit. This is not a prediction about personal finance.
"I'm confident it will reach $130,000 by 2025."
Nov 12, 2025
Pending
There's a distinction between traditional financial advice and more effective financial education rules.
"The traditional rules and then there's the real financial education money rules."
Nov 8, 2025
Correct
Individuals with lower incomes and smaller businesses can be wealthier than those with higher incomes, due to different financial habits.
"But the one friend who runs the smallest business, who like probably has the least income is the ric..."
Nov 8, 2025
Pending
Dollar Wise budgeting app is offering 3 months for $9.99 with a free trial.
"And when you download Dollar Wise today, you'll get a try for free, plus 3 months for just $9.99."
Oct 27, 2025
Correct
The guest's spending on eating out was twice their net debt payments.
"You spent double your net debt payments to going out the feet."
Oct 15, 2025
Unrated
An individual saving $12,000 annually for 7 years with a 4.5% return on investment will accumulate $100,000.
"If you save 12K a year for 7 years at a 4.5% return, you will have $100,000."
Sep 11, 2025
Pending
Predicts that if the guest undergoes bankruptcy without changing their behavior, they will return to a similar financial state within a couple of years.
"If you go through bankruptcy, you didn't change your behavior, I will be seeing you on the show in a..."
Aug 27, 2025
Pending
The overall Hammer financial score for the guest is projected to be 1.5.
"So that's going to be a hammer financial score just rounded up to 1.5."
Aug 27, 2025
Pending
Assigns a zero out of ten financial score to the guest, based on their spending, debt, and missed payments, despite owning a house.
"Your Hammer financial score, you're lucky you have a house. Spending in a budget easily overspent. Y..."
Aug 27, 2025
Pending
Suggests bankruptcy as a potential solution for the guest's financial situation, provided they prove they won't repeat past mistakes.
"Bankruptcy might be a play here. So, you brag about no bankruptcy. It's honestly what I would do. Bu..."
Aug 27, 2025
Pending
Assigns a four out of ten score for real estate, acknowledging the low interest rate on the mortgage but noting the difficulty in selling it quickly.
"Real estate. Can't just go sell it today, so it's not a great situation, but at least you're in ther..."
Aug 27, 2025
Pending
Gives a two out of ten score for emergency fund and checking account, possibly influenced by a recent tax return deposit.
"Emergency fund, couple thousand checking. I'll give you a two out of 10 there. Uh, is this because y..."
Aug 27, 2025
Pending
Predicts that Course Careers is a viable option for individuals serious about starting a new career without significant time or debt investment.
"If you're serious about starting a new career without wasting years or piling up debt, give course c..."
Aug 27, 2025
Pending
A prediction of a discount on the full Course Careers program for those who decide to enroll.
"And when you're ready, use the link in the description for $50 off the full course."
Aug 27, 2025
Pending
The speaker is predicting that their program will lead to life changes for users who are struggling financially and want to learn more.
"If you're struggling or you want to learn more or you want to change your life in any way whatsoever..."
Aug 27, 2025
Pending
This predicts that even with an extra $500 monthly income, it will take 100 months (over 8 years) to pay off debt, suggesting a long and arduous financial recovery process.
"If you bring in an extra $500 it still takes a hundred months to pay off. So, and you're already und..."
Aug 20, 2025
Pending
This is a prediction that the individual needs to increase their monthly income by $2,000 to make any significant progress in paying off their debt.
"You need to bring in an extra $2,000 a month to make any progress whatsoever."
Aug 20, 2025
Pending
Investing ₹15,000 monthly for 10 years at a 15% annual return could result in ₹40 lakh.
"If you invest ₹15,000 every month for 10 years and it grows on an average at 15%, which is achievabl..."
Aug 20, 2025
Pending
An emergency fund of approximately ₹1 lakh, covering four months of expenses, is recommended.
"You should always have at least 4 months' expenses i.e. ₹1 lakh in the bank."
Aug 20, 2025
Correct
Individuals aged 26-27 years should consider purchasing life insurance.
"your age has now reached that point of 26-27 years where you should personally take a life insurance..."
Aug 20, 2025
Pending
A free financial assessment is available at caleopr.com to help individuals understand their financial standing.
"If you want your financial score, take the assessment. It is free at caleopr.com or the link in the ..."
Aug 15, 2025
Pending
The speaker is dollar-cost averaging into the broad market, not making large concentrated bets, holding onto existing investments, monitoring the Fed, and increasing cash reserves for potential market pullbacks.
"I'm dollar cost averaging into the broad market. I'm not going allin on anything right now. I'm not ..."
Aug 4, 2025
Correct
Investing $400 per month in a Roth IRA over 40 years (assuming average stock market returns) will result in a balance of over $1.44 million.
"If you can up your contribution to $400 a month, your future value will be over $1.44 million."
Jul 24, 2025
Pending
Maxing out annual Roth IRA contributions over 40 years (assuming average stock market returns) will result in a balance of over $2 million.
"And if you're able to max it out every year, you're looking at over $2 million."
Jul 24, 2025
Pending
Investing $250 per month in a Roth IRA over 40 years, assuming average stock market returns, will result in an ending balance of $94,000.
"A mere contribution of $250 a month in your Roth array compounded over 40 years at the average stock..."
Jul 24, 2025
Pending
The speaker predicted they would die broke.
"I'm I'm I'm going to that grave uh broke."
Jun 29, 2025
Pending
Banks are eager to lend money for purchases at high interest rates, such as 25% APR for a $900 loan on a $1,000 item.
"If you have a $100 in your bank account and you want to buy this $1,000 Gucci scarf, your bank would..."
May 29, 2025
Pending
Investing ₹45,000 monthly with a 10% annual increase for 10 years could result in ₹1.7 crore.
"And because of this, your life would take such a turn in 5-10 years where you would be at a differen..."
May 7, 2025
Pending
The next 3-4 years will be dedicated to loan repayment, after which a fresh start from zero will be needed to rebuild one's life.
"The next three-four years of your life will be spent just in repaying this loan and then you will st..."
May 7, 2025
Pending
After clearing all debts, it's predicted that one can become a millionaire within 10 years.
"And after that you can start your life from a point where you can become a millionaire within 10 yea..."
May 7, 2025
Pending
Paying only the minimum on a credit card will cost the individual significantly more money in the long run due to high interest rates.
"Because if you do this, you are going to cost yourself a lot more in the long run due to a credit ca..."
May 1, 2025
Pending
Adopting the paths of poverty or middle-class financial habits leads to significant delays and obstacles in achieving a wealthy mindset.
"The one who starts walking on the path of poverty or middle classness, faces many obstacles before r..."
Apr 19, 2025
Pending