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Caleb Hammer is completely hyperventilating after a guest reveals she secretly took out an extra loan behind her husband's back just to fund a family vacation. The studio tension peaks as the husband discovers, live on air that his wife maxed out a credit card and went into even... more debt using two different loan platforms, Upstart and Uplift, just to see some palm trees. Caleb loses his mind when she tries to justify the hidden debt as a birthday gift for their young kids who won't even remember the trip. "I just made another loan to cover a credit card so we could go on our trip... I didn't tell him... I didn't want him to stress about our trip." "You took out a secret loan without his knowledge?! He thought you guys were on a low fund month, and you're out here financing a vacation?! Your 2-year-old and 4-year-old aren't even forming memories yet! Stop going into debt for trips you can't afford!"show more

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Caleb Hammer almost had a literal stroke listening to this. Imagine going $14,000 into credit card debt for season tickets when you only make $50k a year, and then financing the financing. Caleb Hammer: "Explain this to me like a toddler. You made $51,000 last year, correct?" Guest: "Yeah, roughly." Caleb Hammer: "Then why am I looking at a $14,000 charge on your Discover card for NFL season tickets?!" Guest: "It’s an investment in my happiness. Plus, I financed it through a third-party app to spread out the payments." Caleb Hammer: "You financed a credit card charge?! You put a financing plan on a card charging you 28.9% interest?!" Guest: "Yeah, because the app gave me zero interest for thirty days. I’m financing the financed payments to save money." Caleb Hammer: "THAT IS NOT HOW MATH WORKS! You are paying a fee to finance a payment to pay off a card that is bleeding you alive! You are financing your own financial execution!"

Caleb Hammer almost had a literal stroke listening to this. Imagine going $14,000 into credit card debt for season tickets when you only make $50k a year, and then financing the financing. Caleb Hammer: "Explain this to me like a toddler. You made $51,000 last year, correct?" Guest: "Yeah, roughly." Caleb Hammer: "Then why am I looking at a $14,000 charge on your Discover card for NFL season tickets?!" Guest: "It’s an investment in my happiness. Plus, I financed it through a third-party app to spread out the payments." Caleb Hammer: "You financed a credit card charge?! You put a financing plan on a card charging you 28.9% interest?!" Guest: "Yeah, because the app gave me zero interest for thirty days. I’m financing the financed payments to save money." Caleb Hammer: "THAT IS NOT HOW MATH WORKS! You are paying a fee to finance a payment to pay off a card that is bleeding you alive! You are financing your own financial execution!"

Traeyz ♠️

3,939,605 views • 1 month ago

Caleb Hammer Says Most Americans Are Taught to Max Out Credit Cards as U.S. Credit Card Debt Hits $1.6 Trillion Joe Rogan: "You're a finance guy now, but did you start out in debt before turning your finances around?" Caleb Hammer: "Yeah. In college, I took on unlimited student loans for a music composition degree and maxed out every credit card I could." Joe Rogan: "Your parents told you to do that?" Caleb Hammer: "Yep. One of the first financial lessons I got at 18 was to max out a credit card to buy the piano I wanted. That's the reality for a lot of Americans—most people aren't taught personal finance." Caleb Hammer: "Most Americans are taught to max out credit cards instead of managing money. The U.S. now has $1.6 trillion in credit card debt, and about 7% of credit cards are in default." Joe Rogan: "That's a crazy amount."

Caleb Hammer Says Most Americans Are Taught to Max Out Credit Cards as U.S. Credit Card Debt Hits $1.6 Trillion Joe Rogan: "You're a finance guy now, but did you start out in debt before turning your finances around?" Caleb Hammer: "Yeah. In college, I took on unlimited student loans for a music composition degree and maxed out every credit card I could." Joe Rogan: "Your parents told you to do that?" Caleb Hammer: "Yep. One of the first financial lessons I got at 18 was to max out a credit card to buy the piano I wanted. That's the reality for a lot of Americans—most people aren't taught personal finance." Caleb Hammer: "Most Americans are taught to max out credit cards instead of managing money. The U.S. now has $1.6 trillion in credit card debt, and about 7% of credit cards are in default." Joe Rogan: "That's a crazy amount."

Pie Rsquare 📊

64,866 views • 1 month ago

Caller: “Should I allow my 25-year-old daughter to use money that was intended for college to pay off her credit card debt?” Dave Ramsey: “How much credit card debt is this?” Caller: “She has about $8,000 in credit card debt and $3,000 in a student loan that she never took any classes for. The college fund is $130,000, and it is in her name.” Dave Ramsey: “There are two sides to this equation right now. There’s the side where there’s a concerned mom who doesn’t want her daughter to blow $130,000 and look back and regret it. There’s another side: If she figures out that money is there, and you don’t give it to her instantly, she’s going to sue your butt and win.” Dave Ramsey: “This is not your money. You don’t legally have control of it anymore. You’re just trying to do a little smoke and mirrors here to keep your hands off of it.” “If you clean up the $8,000 with this fund, she may just rack up another $8,000. There were no lessons learned here.”

Caller: “Should I allow my 25-year-old daughter to use money that was intended for college to pay off her credit card debt?” Dave Ramsey: “How much credit card debt is this?” Caller: “She has about $8,000 in credit card debt and $3,000 in a student loan that she never took any classes for. The college fund is $130,000, and it is in her name.” Dave Ramsey: “There are two sides to this equation right now. There’s the side where there’s a concerned mom who doesn’t want her daughter to blow $130,000 and look back and regret it. There’s another side: If she figures out that money is there, and you don’t give it to her instantly, she’s going to sue your butt and win.” Dave Ramsey: “This is not your money. You don’t legally have control of it anymore. You’re just trying to do a little smoke and mirrors here to keep your hands off of it.” “If you clean up the $8,000 with this fund, she may just rack up another $8,000. There were no lessons learned here.”

HENRY

990,200 views • 2 months ago

Caleb Hammer is completely losing his mind. This lady has $19,167 in car debt, blamed a "generational curse" for going to Puerto Rico instead of paying her car loan 😪 Caleb: A little past due. Late charge is $19. Past due amount: $832. Total amount due: $1,290. What even is this? Guest: My car financer. My loan. Caleb: What is this car? Guest: 2018 Honda Civic. I bought it used. Caleb: How many miles? Guest: 112,000. Caleb: How much do you think you owe? Guest: I think it's like 19,000. Caleb: It's $18,000. You make $33,000 a year net, and we have an $18,745 car debt. You're not paying your bills, dude. Why have you chosen not to pay this one? Guest: I went on a vacation. Caleb: Obviously it's you. The world didn't say, "You must go on a vacation." You did that. How is a vacation possibly more important than your car payment? How often do you use your car? Guest: I work at home three days a week and then two days in the office. Caleb: How far away are you from the office? Guest: Like 30 to 40 minutes. Caleb: So you need this car to have your job, right? And we are choosing a vacation over this, meaning you can lose your job after this gets repoed. How many missed are we at? Guest: It's only those two, I think. Caleb: What was the vacation? Guest: A big group of us went to Puerto Rico in March. Caleb: You don't get to go to Puerto Rico! Guest: But it was fun. Caleb: Is it going to be fun when the car is taken from you and you can't work? You're underwater by $12,000. You can't even sell it.

Caleb Hammer is completely losing his mind. This lady has $19,167 in car debt, blamed a "generational curse" for going to Puerto Rico instead of paying her car loan 😪 Caleb: A little past due. Late charge is $19. Past due amount: $832. Total amount due: $1,290. What even is this? Guest: My car financer. My loan. Caleb: What is this car? Guest: 2018 Honda Civic. I bought it used. Caleb: How many miles? Guest: 112,000. Caleb: How much do you think you owe? Guest: I think it's like 19,000. Caleb: It's $18,000. You make $33,000 a year net, and we have an $18,745 car debt. You're not paying your bills, dude. Why have you chosen not to pay this one? Guest: I went on a vacation. Caleb: Obviously it's you. The world didn't say, "You must go on a vacation." You did that. How is a vacation possibly more important than your car payment? How often do you use your car? Guest: I work at home three days a week and then two days in the office. Caleb: How far away are you from the office? Guest: Like 30 to 40 minutes. Caleb: So you need this car to have your job, right? And we are choosing a vacation over this, meaning you can lose your job after this gets repoed. How many missed are we at? Guest: It's only those two, I think. Caleb: What was the vacation? Guest: A big group of us went to Puerto Rico in March. Caleb: You don't get to go to Puerto Rico! Guest: But it was fun. Caleb: Is it going to be fun when the car is taken from you and you can't work? You're underwater by $12,000. You can't even sell it.

Traeyz ♠️

24,313 views • 1 month ago

Caleb Hammer calls his guest a homewrecker after she admits to signing an expensive apartment lease expecting a married coworker to leave his wife and move in with her. The studio mood shifts instantly as she casually explains how she jumped straight from her own marriage into a six-month affair with a married colleague. Relying on him to split expenses, she signed a lease far beyond her $16/hour income, only for him to stay with his wife, leaving her stranded and completely buried in credit card debt. "He had me under the impression that they were getting divorced... turned out that wasn't the case at all." "You were sleeping with a married man, signed an apartment lease expecting him to move in, and now you're drowning in credit card debt because he stayed with his wife?! That is literal homewrecker behavior and an absolute financial nightmare!"

Caleb Hammer calls his guest a homewrecker after she admits to signing an expensive apartment lease expecting a married coworker to leave his wife and move in with her. The studio mood shifts instantly as she casually explains how she jumped straight from her own marriage into a six-month affair with a married colleague. Relying on him to split expenses, she signed a lease far beyond her $16/hour income, only for him to stay with his wife, leaving her stranded and completely buried in credit card debt. "He had me under the impression that they were getting divorced... turned out that wasn't the case at all." "You were sleeping with a married man, signed an apartment lease expecting him to move in, and now you're drowning in credit card debt because he stayed with his wife?! That is literal homewrecker behavior and an absolute financial nightmare!"

STYRΞNΞ ✂️

120,805 views • 1 month ago

Caleb Hammer reveals he went from $90,000 in debt at 18 to a $250,000 net worth before he ever made a dollar on YouTube “When I graduated high school, my parents first advice they told me to do was go max out a credit card for a piano I wanted, so I immediately did that. also a store card maxed out for an iMac, because I needed a sick iMac for college. A card maxed out on McDonald’s, federal student loans for a bullshit degree that I dropped out for anyway, Sallie Mae student loans, a $13,000 car loan, and a family loan for a down payment on the car too. So I just owed money to everybody.” “I had goals of where I wanted to get to in life and even though I was making the minimum to live, with the goals I wanted, I couldn’t get there, I just looked around and I was like this isn’t it.” “My friend got a job down here in Austin, a sales job, very low pay but great upside if you do well, so I just packed up my sedan, sold all my stuff, drove down in a week and a half to Austin, and it was a $32,000 a year job but the upside was basically unlimited” “I got to the top of the sales team in terms of sales volume and commission and I immediately started making six figures, saved up that emergency fund, cutting everything I could, living in cheaper places, doing roommates, so that I could save up for a 10% down payment on a house in Austin, “Then I rode the COVID market, sold it for a $100,000 profit, rolled that into the next property, rental property, and I kept rolling, So I went from negative $90,000 at 18 to positive $250,000”

Caleb Hammer reveals he went from $90,000 in debt at 18 to a $250,000 net worth before he ever made a dollar on YouTube “When I graduated high school, my parents first advice they told me to do was go max out a credit card for a piano I wanted, so I immediately did that. also a store card maxed out for an iMac, because I needed a sick iMac for college. A card maxed out on McDonald’s, federal student loans for a bullshit degree that I dropped out for anyway, Sallie Mae student loans, a $13,000 car loan, and a family loan for a down payment on the car too. So I just owed money to everybody.” “I had goals of where I wanted to get to in life and even though I was making the minimum to live, with the goals I wanted, I couldn’t get there, I just looked around and I was like this isn’t it.” “My friend got a job down here in Austin, a sales job, very low pay but great upside if you do well, so I just packed up my sedan, sold all my stuff, drove down in a week and a half to Austin, and it was a $32,000 a year job but the upside was basically unlimited” “I got to the top of the sales team in terms of sales volume and commission and I immediately started making six figures, saved up that emergency fund, cutting everything I could, living in cheaper places, doing roommates, so that I could save up for a 10% down payment on a house in Austin, “Then I rode the COVID market, sold it for a $100,000 profit, rolled that into the next property, rental property, and I kept rolling, So I went from negative $90,000 at 18 to positive $250,000”

Third

537,353 views • 1 month ago

Caleb Hammer’s guest accused his wife of kissing and cheating on him with her ex-husband, but she claims she only did it because he was too huge. During a tense talk about her secret meetings, the husband reveals he checked her texts and caught her hanging out with her ex behind his back. While she tries to justify her actions, the story gets even weirder when she reveals she actually went out and bought flowers for the ex too. "He just leaned in to kiss me and I just let it happen. What am I supposed to do? He's like 6 foot 5! If I loved him, I'd send him the boat title." "You kissed your ex after dinner, you went to a bookstore together, and you bought him flowers? You decision-making is actual trash. The text says otherwise."

Caleb Hammer’s guest accused his wife of kissing and cheating on him with her ex-husband, but she claims she only did it because he was too huge. During a tense talk about her secret meetings, the husband reveals he checked her texts and caught her hanging out with her ex behind his back. While she tries to justify her actions, the story gets even weirder when she reveals she actually went out and bought flowers for the ex too. "He just leaned in to kiss me and I just let it happen. What am I supposed to do? He's like 6 foot 5! If I loved him, I'd send him the boat title." "You kissed your ex after dinner, you went to a bookstore together, and you bought him flowers? You decision-making is actual trash. The text says otherwise."

STYRΞNΞ ✂️

479,547 views • 2 months ago

Caleb Hammer is losing his mind on this one. Imagine having $70,000 of bad debt but already having a trip to Italy booked because "it returns on memories" Caleb Hammer: "How much bad debt do you have? Bad debt, not mortgage. Bad debt! Not mortgage." Guest: "Probably around $60,000?" Caleb Hammer: "70." Guest: "Oh yeah, I didn't know." Caleb Hammer: "What hits your account on a monthly basis income-wise?" Guest: "$3,600." Caleb Hammer: "$3,600. Okay. How much was spent last month? Give me your best." Guest: "Probably about $2,500?" Caleb Hammer: "Yeah, $6,600." Guest: "66?!" Caleb Hammer: "How can we be this far off?!" Guest: "I just don't pay attention. I don't. I mean, I know how much is in my bank account." Caleb Hammer: "Fine. You don't pay attention, you like to blow your money. Why do you not pay attention?" Guest: "cuz growing up money was kind of a hard issue. So now that I kind of have my own money, I just kind of pay what I can and spend what I have in my bank account, without thinking twice about it." Caleb Hammer: "What is your goal? What are we trying to do?" Guest: "I mean I'm trying to get the debt down so that way." Caleb Hammer: "No, you don't. There is nothing that would suggest that. What is the actual. Is there any goal?" Guest: "I mean, I want to get to a place with no debt, um, but I also. I'm also going on a trip to Italy next month." Caleb Hammer: "How?! How have you spent more than you brought in, like double! How?! That is not a cheap trip!" Guest: "No, not at all. I've paid about $1,500 towards it already." Caleb Hammer: "But you're gonna eat food while you're there. You're gonna get transportation while you're there. Is Italy providing a return on investment? I don't think so." Guest: "No, but it returns on memories and the time." Caleb Hammer: "Memories are good, but you could have better and more memories if you do not have 50, 60, 70,000 dollars of bad debt ballooning! Ballooning 30% interest!"

Caleb Hammer is losing his mind on this one. Imagine having $70,000 of bad debt but already having a trip to Italy booked because "it returns on memories" Caleb Hammer: "How much bad debt do you have? Bad debt, not mortgage. Bad debt! Not mortgage." Guest: "Probably around $60,000?" Caleb Hammer: "70." Guest: "Oh yeah, I didn't know." Caleb Hammer: "What hits your account on a monthly basis income-wise?" Guest: "$3,600." Caleb Hammer: "$3,600. Okay. How much was spent last month? Give me your best." Guest: "Probably about $2,500?" Caleb Hammer: "Yeah, $6,600." Guest: "66?!" Caleb Hammer: "How can we be this far off?!" Guest: "I just don't pay attention. I don't. I mean, I know how much is in my bank account." Caleb Hammer: "Fine. You don't pay attention, you like to blow your money. Why do you not pay attention?" Guest: "cuz growing up money was kind of a hard issue. So now that I kind of have my own money, I just kind of pay what I can and spend what I have in my bank account, without thinking twice about it." Caleb Hammer: "What is your goal? What are we trying to do?" Guest: "I mean I'm trying to get the debt down so that way." Caleb Hammer: "No, you don't. There is nothing that would suggest that. What is the actual. Is there any goal?" Guest: "I mean, I want to get to a place with no debt, um, but I also. I'm also going on a trip to Italy next month." Caleb Hammer: "How?! How have you spent more than you brought in, like double! How?! That is not a cheap trip!" Guest: "No, not at all. I've paid about $1,500 towards it already." Caleb Hammer: "But you're gonna eat food while you're there. You're gonna get transportation while you're there. Is Italy providing a return on investment? I don't think so." Guest: "No, but it returns on memories and the time." Caleb Hammer: "Memories are good, but you could have better and more memories if you do not have 50, 60, 70,000 dollars of bad debt ballooning! Ballooning 30% interest!"

Traeyz ♠️

23,217 views • 1 month ago

Caleb Hammer couldn't believe his ears on this one. This 29-year-old is actually defending a camping timeshare with a 22% interest rate that locks her in until she's 65 💀 Guest: "This is a loan to the membership." Caleb Hammer: "You have a loan on a membership?!" Guest: "Hold on! If you would wait and listen!" Caleb Hammer: "I’m reacting, girl! People can react! I wasn’t even asking a question." Guest: "Once that membership is paid off, I only have to pay the annual dues, which is like $400 a year." Caleb Hammer: "This is a camping timeshare! 🤣 This is a camping timeshare!" Guest: "Yes, this is..." Caleb Hammer: "This is a camping timeshare! And you know what it does? It gives you free electricity, free water." Caleb Hammer: "It’s 22% interest." Guest: "That sounds bad." Caleb Hammer: "It’s very bad. It’s beyond bad!" Guest: "I needed a place to live!" Caleb Hammer: "A 23% interest for a cup of water and electricity is not a deal. An ongoing membership that you have to sell to get out of until you’re 65 is not considered a good deal."

Caleb Hammer couldn't believe his ears on this one. This 29-year-old is actually defending a camping timeshare with a 22% interest rate that locks her in until she's 65 💀 Guest: "This is a loan to the membership." Caleb Hammer: "You have a loan on a membership?!" Guest: "Hold on! If you would wait and listen!" Caleb Hammer: "I’m reacting, girl! People can react! I wasn’t even asking a question." Guest: "Once that membership is paid off, I only have to pay the annual dues, which is like $400 a year." Caleb Hammer: "This is a camping timeshare! 🤣 This is a camping timeshare!" Guest: "Yes, this is..." Caleb Hammer: "This is a camping timeshare! And you know what it does? It gives you free electricity, free water." Caleb Hammer: "It’s 22% interest." Guest: "That sounds bad." Caleb Hammer: "It’s very bad. It’s beyond bad!" Guest: "I needed a place to live!" Caleb Hammer: "A 23% interest for a cup of water and electricity is not a deal. An ongoing membership that you have to sell to get out of until you’re 65 is not considered a good deal."

Traeyz ♠️

305,160 views • 2 months ago

this dude raided his 4 year old kid’s savings so he could go on vacation and somehow still thinks it was worth it caleb finds out he blew through like $8,000-$10,000 that was supposed to be for his son, took him to New York 4 times, Disney, the Bahamas and did it without even asking his wife at what point is this not “building memories” and just being a horrible father?

this dude raided his 4 year old kid’s savings so he could go on vacation and somehow still thinks it was worth it caleb finds out he blew through like $8,000-$10,000 that was supposed to be for his son, took him to New York 4 times, Disney, the Bahamas and did it without even asking his wife at what point is this not “building memories” and just being a horrible father?

Clips Of Caleb Hammer

20,127 views • 1 month ago

Caleb Hammer is left completely speechless when a guest discovers his wife didn't just message other men, she voluntarily offered up her nude photos to two different guys behind his back. The story gets even worse when Caleb goes through her phone live on air, only to find that she is still actively messaging the exact same guys on Snapchat. The studio hits a boiling point when she attempts to shrug it all off by claiming it's completely normal to send those types of photos to friends. "She got attention from two different guys and sent them both the nudes... She offered too, they didn't ask. She offered." "You sent your nudes to multiple dudes, you're still Snapchatting them right now, and you're trying to tell me you do this with all your friends?!" "Your husband is literally getting cucked right now and he's just allowing this to happen?!"

Caleb Hammer is left completely speechless when a guest discovers his wife didn't just message other men, she voluntarily offered up her nude photos to two different guys behind his back. The story gets even worse when Caleb goes through her phone live on air, only to find that she is still actively messaging the exact same guys on Snapchat. The studio hits a boiling point when she attempts to shrug it all off by claiming it's completely normal to send those types of photos to friends. "She got attention from two different guys and sent them both the nudes... She offered too, they didn't ask. She offered." "You sent your nudes to multiple dudes, you're still Snapchatting them right now, and you're trying to tell me you do this with all your friends?!" "Your husband is literally getting cucked right now and he's just allowing this to happen?!"

STYRΞNΞ ✂️

23,076 views • 2 months ago

A 20-year-old active-duty soldier called Dave Ramsey after finding out his 23-year-old wife is pregnant: Caller: "My wife has $177,000 in student loan debt. We're trying to figure out how to attack it." Dave Ramsey: "Is she a doctor or a lawyer?" Caller: "No... she’s a freelance nanny. She actually never finished college." Dave Ramsey: "She didn't finish? Who loans an 18-year-old $175,000 to get an almost degree?" Caller: "It was an out-of-state D1 state school. I make $54k in the Army and she makes $36k ." Dave Ramsey: "Your wife is not going to be a stay-at-home mom. She signed up for $175k of debt, so she’s going to be working. Parents ought to be smacked into next week for letting their kids do this." Over 50% of people who start a 4-year degree never finish…..yet banks hand teenagers six-figure debt with zero income. Who's more at fault: predatory loan systems, or parents who let their 18-year-olds sign these papers?

A 20-year-old active-duty soldier called Dave Ramsey after finding out his 23-year-old wife is pregnant: Caller: "My wife has $177,000 in student loan debt. We're trying to figure out how to attack it." Dave Ramsey: "Is she a doctor or a lawyer?" Caller: "No... she’s a freelance nanny. She actually never finished college." Dave Ramsey: "She didn't finish? Who loans an 18-year-old $175,000 to get an almost degree?" Caller: "It was an out-of-state D1 state school. I make $54k in the Army and she makes $36k ." Dave Ramsey: "Your wife is not going to be a stay-at-home mom. She signed up for $175k of debt, so she’s going to be working. Parents ought to be smacked into next week for letting their kids do this." Over 50% of people who start a 4-year degree never finish…..yet banks hand teenagers six-figure debt with zero income. Who's more at fault: predatory loan systems, or parents who let their 18-year-olds sign these papers?

Leo

60,190 views • 1 month ago

Caleb Hammer has officially seen it all. This guest took out a $60,000 loan and blew it all on blackjack and stock trading. Even agrees that it is addictive. Caleb Hammer: "You borrowed against your savings?" Guest: "No, I lost it all. Gambling." Caleb Hammer: "Oh for f***'s sake." Guest: "Stock markets, trading. Remember when GameStop happens and people got crazy?" Caleb Hammer: "How much over how long?" Guest: "I probably lost $60,000 in gambling total." Caleb Hammer: "Oh! Sixty?! Sixty over how long?!" Guest: "I quit two years ago, I think, so." Caleb Hammer: "So in two years you lost $60,000?!" Guest: "It's addicting. You ever play blackjack on your phone? Caleb Hammer: "No! Guest: "Do it during weddings. Yeah." Caleb Hammer: "You're doing it during weddings? Why specifically?! Guest: "That's just what I remember, sir." Caleb Hammer: "The only one you remember is you're at a wedding and you lost $60,000 and you took out personal loans for it?!"

Caleb Hammer has officially seen it all. This guest took out a $60,000 loan and blew it all on blackjack and stock trading. Even agrees that it is addictive. Caleb Hammer: "You borrowed against your savings?" Guest: "No, I lost it all. Gambling." Caleb Hammer: "Oh for f***'s sake." Guest: "Stock markets, trading. Remember when GameStop happens and people got crazy?" Caleb Hammer: "How much over how long?" Guest: "I probably lost $60,000 in gambling total." Caleb Hammer: "Oh! Sixty?! Sixty over how long?!" Guest: "I quit two years ago, I think, so." Caleb Hammer: "So in two years you lost $60,000?!" Guest: "It's addicting. You ever play blackjack on your phone? Caleb Hammer: "No! Guest: "Do it during weddings. Yeah." Caleb Hammer: "You're doing it during weddings? Why specifically?! Guest: "That's just what I remember, sir." Caleb Hammer: "The only one you remember is you're at a wedding and you lost $60,000 and you took out personal loans for it?!"

Traeyz ♠️

87,073 views • 2 months ago

Caleb Hammer’s guest completely loses his mind when a wife is caught secretly chatting with an old high school friend on Snapchat, the exact same guy she already sent nudes to 2 years ago. The studio completely explodes when the husband reveals they previously separated over her sending explicit photos to this man, only for her to try and laugh it off with a selective memory loss excuse. Caleb screams in pure frustration as she refuses to take accountability for reopening the relationship's biggest wound. "I lo-key don't even remember... I really don't... She sent him nudes in 2023... I don't even remember what happened yesterday." "Oh shut the f*** up! Two years ago you're sending a dude your ts and py, and now you're talking to him again?!" "That is some of the dumbest b**shit excuses anyone could ever say! Why are you talking to him again?!"

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Caleb Hammer’s guest completely loses his mind when a wife is caught secretly chatting with an old high school friend on Snapchat, the exact same guy she already sent nudes to 2 years ago. The studio completely explodes when the husband reveals they previously separated over her sending explicit photos to this man, only for her to try and laugh it off with a selective memory loss excuse. Caleb screams in pure frustration as she refuses to take accountability for reopening the relationship's biggest wound. "I lo-key don't even remember... I really don't... She sent him nudes in 2023... I don't even remember what happened yesterday." "Oh shut the f* up! Two years ago you're sending a dude your ts and py, and now you're talking to him again?!" "That is some of the dumbest bshit excuses anyone could ever say! Why are you talking to him again?!"

STYRΞNΞ ✂️

707,452 views • 2 months ago

Caleb Hammer was pissed at a guest who tried to frame a guy as a creep after she invited him up to her hotel room, kissed him back, and then changed her story on air. The studio argument turns chaotic as Caleb presses her on her inconsistent timeline, pointing out how she moved the goalposts multiple times when called out. After admitting to a history of driving to different college campuses for hookups, she attempted to label a Tinder date as a predator for making a move, only to confess seconds later that they had been kissing throughout the entire night. "I know people like you in my own experience... are just lying when you get called out because you made someone sound like a creep!" "You literally invited a guy up to your hotel room, kissed him back, and then tried to blast him online as a creep the second you got called out on air?! Stop shifting the goalposts to make yourself look like a victim when you consented to the entire date! This is absolute madness!"

Caleb Hammer was pissed at a guest who tried to frame a guy as a creep after she invited him up to her hotel room, kissed him back, and then changed her story on air. The studio argument turns chaotic as Caleb presses her on her inconsistent timeline, pointing out how she moved the goalposts multiple times when called out. After admitting to a history of driving to different college campuses for hookups, she attempted to label a Tinder date as a predator for making a move, only to confess seconds later that they had been kissing throughout the entire night. "I know people like you in my own experience... are just lying when you get called out because you made someone sound like a creep!" "You literally invited a guy up to your hotel room, kissed him back, and then tried to blast him online as a creep the second you got called out on air?! Stop shifting the goalposts to make yourself look like a victim when you consented to the entire date! This is absolute madness!"

STYRΞNΞ ✂️

50,550 views • 1 month ago

Caleb Hammer's guest threatens his wife with divorce if she doesn't agree to have a child, even though they are thousands of dollars in debt. During a tense look at their marriage, the husband admits that not having kids is an immediate dealbreaker for him, blindly assuming they won't have any issues conceiving. While Caleb watches the relationship fall apart, he completely derails the husband's confidence with a brutal reality check about his health. "Can you even have kids? Buddy, I'm looking at you. There is a very high statistical chance your nut does not carry enough sperm." "I'm probably too fat to give birth myself, but you could probably raw dog right now and nothing would happen anyway " While Caleb watches the relationship completely fall apart, the wife exposes the real reason behind their massive money problems. "It's grounds for divorce if we don't [have kids]... I don't want to have kids if we're in thousands of debt." "We're always going to be thousands in debt... because of you. I didn't have debt before you."

Caleb Hammer's guest threatens his wife with divorce if she doesn't agree to have a child, even though they are thousands of dollars in debt. During a tense look at their marriage, the husband admits that not having kids is an immediate dealbreaker for him, blindly assuming they won't have any issues conceiving. While Caleb watches the relationship fall apart, he completely derails the husband's confidence with a brutal reality check about his health. "Can you even have kids? Buddy, I'm looking at you. There is a very high statistical chance your nut does not carry enough sperm." "I'm probably too fat to give birth myself, but you could probably raw dog right now and nothing would happen anyway " While Caleb watches the relationship completely fall apart, the wife exposes the real reason behind their massive money problems. "It's grounds for divorce if we don't [have kids]... I don't want to have kids if we're in thousands of debt." "We're always going to be thousands in debt... because of you. I didn't have debt before you."

STYRΞNΞ ✂️

36,895 views • 2 months ago

Caleb Hammer’s guest is on the verge of divorce after his wife gave him a brutal ultimatum: stop running up the credit cards, or she is leaving. Despite making a massive income for their area, the couple is drowning in debt because the husband treats his credit cards like a blank check. The truth completely blows up in his face when Caleb pulls up the latest statement, proving he hasn't stopped spending at all. "I was paying every bill on a credit card... I like to spend money. Way too much money on everything." "Your wife literally gave you an ultimatum that she will leave you, and you still charged $1,311 in new bullshit this month alone?! Shut the up!"

Caleb Hammer’s guest is on the verge of divorce after his wife gave him a brutal ultimatum: stop running up the credit cards, or she is leaving. Despite making a massive income for their area, the couple is drowning in debt because the husband treats his credit cards like a blank check. The truth completely blows up in his face when Caleb pulls up the latest statement, proving he hasn't stopped spending at all. "I was paying every bill on a credit card... I like to spend money. Way too much money on everything." "Your wife literally gave you an ultimatum that she will leave you, and you still charged $1,311 in new bullshit this month alone?! Shut the up!"

STYRΞNΞ ✂️

71,207 views • 2 months ago

Caller: I'm $451,000 in total debt. $252,000 of that is student loans, and I have 185 in a home loan. I only bring in $70,000 a year. After pension and all that stuff taken out, it's more like $40,000. I just don't know where to start. Dave Ramsey: What do you do for a living? Caller: Law enforcement. Dave Ramsey: How do you get $252,000 in student loan debt to be a policeman? Caller: I went to a private institution because my mother wanted me to go there. I went there originally for finance, didn't do good, so I switched my major to criminal justice, and then eventually went on for a master's as well, which didn't really help my employment eligibility as much as I thought it would. Dave Ramsey: Is your mother wealthy? Caller: No, neither my mother nor my father. I'm the first in my family to go to college. Dave Ramsey: Mathematically, we always look at the ratio of shovel to hole. The amount of hole you're in versus the shovel you have, your debt to your income. Are you married? Caller: No, I have a girlfriend who lives with me, and her daughter as well. Dave Ramsey: What is this house worth? Caller: I actually just purchased it off of a whim. My father passed away and it was the last conversation we had. It was across the street from his house, and he really wanted me to get it, so I jumped in with both feet to honor him. Dave Ramsey: So you didn't put anything down, so the house is worth $185,000? Caller: Yeah. Dave Ramsey: How old are you? Caller: I'm 31. Dave Ramsey: When are you planning on marrying this girl? Caller: She's currently in school to finish up for nurse practitioner. Sometime after that, hopefully after January. Dave Ramsey: Does she have student loan debt? Caller: She does. Dave Ramsey: How much? Caller: I'm not sure because she's not really on board with all this. I've tried to bring this up to her when listening to your show recently, and her thing is, "I'm too busy with school and don't want to worry about that right now." Dave Ramsey: I think you're the voice of experience that says it's a good idea to worry about it, otherwise you end up up a creek, which is where you are right now, and your paddle is real small. You told me in a five-minute conversation of two really stupid financial decisions you made from the influence of your mother and your father. You bought things you couldn't afford with money you didn't have, because of their influence. At 31 years old, you're going to have to decide to love your parents but no longer be influenced to do financial decisions based on their opinion, or even your perceived opinion of what your father would have thought. You cannot please these people anymore. They are breaking you. You make $70,000 a year and you're so far in debt you can't breathe. Buying a house you can't afford, going to a school you shouldn't have gone to and paying twice or three times as much for an education that you didn't even need to do the job you do. Am I wrong? Caller: Right. No, not at all. Dave Ramsey: Number one, that influence has to stop. Number two, you can't afford this house as a single guy making $70,000 a year.

Caller: I'm $451,000 in total debt. $252,000 of that is student loans, and I have 185 in a home loan. I only bring in $70,000 a year. After pension and all that stuff taken out, it's more like $40,000. I just don't know where to start. Dave Ramsey: What do you do for a living? Caller: Law enforcement. Dave Ramsey: How do you get $252,000 in student loan debt to be a policeman? Caller: I went to a private institution because my mother wanted me to go there. I went there originally for finance, didn't do good, so I switched my major to criminal justice, and then eventually went on for a master's as well, which didn't really help my employment eligibility as much as I thought it would. Dave Ramsey: Is your mother wealthy? Caller: No, neither my mother nor my father. I'm the first in my family to go to college. Dave Ramsey: Mathematically, we always look at the ratio of shovel to hole. The amount of hole you're in versus the shovel you have, your debt to your income. Are you married? Caller: No, I have a girlfriend who lives with me, and her daughter as well. Dave Ramsey: What is this house worth? Caller: I actually just purchased it off of a whim. My father passed away and it was the last conversation we had. It was across the street from his house, and he really wanted me to get it, so I jumped in with both feet to honor him. Dave Ramsey: So you didn't put anything down, so the house is worth $185,000? Caller: Yeah. Dave Ramsey: How old are you? Caller: I'm 31. Dave Ramsey: When are you planning on marrying this girl? Caller: She's currently in school to finish up for nurse practitioner. Sometime after that, hopefully after January. Dave Ramsey: Does she have student loan debt? Caller: She does. Dave Ramsey: How much? Caller: I'm not sure because she's not really on board with all this. I've tried to bring this up to her when listening to your show recently, and her thing is, "I'm too busy with school and don't want to worry about that right now." Dave Ramsey: I think you're the voice of experience that says it's a good idea to worry about it, otherwise you end up up a creek, which is where you are right now, and your paddle is real small. You told me in a five-minute conversation of two really stupid financial decisions you made from the influence of your mother and your father. You bought things you couldn't afford with money you didn't have, because of their influence. At 31 years old, you're going to have to decide to love your parents but no longer be influenced to do financial decisions based on their opinion, or even your perceived opinion of what your father would have thought. You cannot please these people anymore. They are breaking you. You make $70,000 a year and you're so far in debt you can't breathe. Buying a house you can't afford, going to a school you shouldn't have gone to and paying twice or three times as much for an education that you didn't even need to do the job you do. Am I wrong? Caller: Right. No, not at all. Dave Ramsey: Number one, that influence has to stop. Number two, you can't afford this house as a single guy making $70,000 a year.

Traeyz ♠️

31,663 views • 1 month ago

Caleb Hammer absolutely loses his mind after this 22-year-old admits to blowing his entire yearly income at casinos. Caleb Hammer: "You are twenty-two years old. You are working two jobs. Where is the money going?!" Guest: "My friends and I hit the casinos pretty much every weekend. I probably spend like $4,000 a month on blackjack." Caleb Hammer: "FOUR THOUSAND DOLLARS A MONTH?! That is $48,000 a year! You are literally gambling away your entire yearly income!" Guest: "Yeah, but my friends do it too. Plus, I never claimed to be a good gambler." Caleb Hammer: "You are busting your ass working two jobs just to hand the paycheck straight to a dealer?!" Guest: "Well, when you put it like that, it sounds stupid." Caleb Hammer: "BECAUSE IT IS STUPID!"

Caleb Hammer absolutely loses his mind after this 22-year-old admits to blowing his entire yearly income at casinos. Caleb Hammer: "You are twenty-two years old. You are working two jobs. Where is the money going?!" Guest: "My friends and I hit the casinos pretty much every weekend. I probably spend like $4,000 a month on blackjack." Caleb Hammer: "FOUR THOUSAND DOLLARS A MONTH?! That is $48,000 a year! You are literally gambling away your entire yearly income!" Guest: "Yeah, but my friends do it too. Plus, I never claimed to be a good gambler." Caleb Hammer: "You are busting your ass working two jobs just to hand the paycheck straight to a dealer?!" Guest: "Well, when you put it like that, it sounds stupid." Caleb Hammer: "BECAUSE IT IS STUPID!"

Traeyz ♠️

141,498 views • 1 month ago

American in medical school took out a $50k loan, the repayment amount is $128,610.61 “The interest on my $50,000 loan for my research year during med school totals $78,000. The interest is more than the loan, by the end of the payment, I owe $128,610 — What the hell is this” He says he can’t afford the payments so was offered a payment plan. If he takes the payment plan, by the end of it he will actually owe more than he owes now That’s not all, he has another $250,000 loan for medical school “I have $250,000 in loan through the med school that I haven't even considered yet that I don't want to think about. So I have $300,000 in direct debt, but if I put include the interest, then my debt is actually over half a million dollars” No wonder America is facing a doctors shortage, who could ever afford to pay for school

American in medical school took out a $50k loan, the repayment amount is $128,610.61 “The interest on my $50,000 loan for my research year during med school totals $78,000. The interest is more than the loan, by the end of the payment, I owe $128,610 — What the hell is this” He says he can’t afford the payments so was offered a payment plan. If he takes the payment plan, by the end of it he will actually owe more than he owes now That’s not all, he has another $250,000 loan for medical school “I have $250,000 in loan through the med school that I haven't even considered yet that I don't want to think about. So I have $300,000 in direct debt, but if I put include the interest, then my debt is actually over half a million dollars” No wonder America is facing a doctors shortage, who could ever afford to pay for school

Wall Street Apes

330,549 views • 1 year ago