Caleb Hammer

I should've killed myself a long time ago.

[laughs] Please, I'm addicted to the Caleb Hammer podcast.

[laughs] Did you say Caleb Hammer? [laughs] Okay.

Oh, g- you, okay.

I, I, I did, I was gonna text you about this.

It, it, it annoys me that he's selling the meal plans.

It's so...

He's so off-putting to me, and, and I think if you buy factor meals from Caleb Hammer, you should be put, um, into-

And there are many more examples, some of which we'll go through in a second.

In particular, there's, uh, the, the massive popularity of videos by Dave Ramsey, Caleb Hammer and, and others who routinely interview complete morons who have racked up tens of thousands of dollars in debt.

Uh, here's one of them to give you an idea.

My credit card, I maxed that out to 4,000.

Listen, I watch, so we're going to get a little personal here.

I've done a rabbit hole of me and my wife have been watching Financial Audit with Caleb Hammer.

It's a fascinating show, and if you've ever seen it, but it's basically people get put on blast for their poor financial decisions.

and a very, very special gentleman that may have served time or not.

just oh the

troop star troop star troop star yeah some of you might know who he is some of you probably don't but in case you're not aware caleb hammer is one of the fastest growing finance youtubers in history His show Financial Audit is a podcast series that routinely hosts people drowning in debt.

Caleb looks at their bank statements, goes through them, and gives them tough love, honest advice.

It's become one of the biggest podcasts in the world, dominating the charts both on Spotify and YouTube.

Rice and ground beef is better.

Caleb Hammer said that.

He gets death threats now.

Does he really? Over that?

You're poor shaming.

No, it shouldn't cost 30 bucks for, where are you eating? What is that, Wagyu?

Bro, watching Caleb Hammer shows like the most radicalizing thing on the planet for me.

Like, he had people getting mad at him because he had this guy, full-time DoorDash.

We're trying something new.

And I think, uh, just to set the scene, Caleb Hammer, if you don't know, you, you probably recognize him, he's the personal finance American guy.

Mm-hmm.

He gets people on, sat opposite each other, shot, reverse shot, mics on stands.

... 'cause I think this is, this is, this is important.

Go on, guys.

So this is an example of Caleb Hammer, and, uh, he's talking to someone.

Um, and he's trying to get an answer out of her about, uh, uh, when she gets paid.

You have to make decisions, and your life circumstances and your lifestyle are gonna be directly correlated to whatever decisions you make.

You know, Caleb Hammer, Financial Audits, a very popular YouTube show, he gets vitriol all day on the internet because he simply has the audacity of saying, "Don't spend more money than you make." A novel concept, right? Um, but people who want to do a lot of these things...

I mean, I, I remember when we were debating having our first child, I did have those fears of like, "I don't have enough money."

Mm-hmm.