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"Caleb Hammer Is TOO MEAN!"

Caleb Hammer

271,083 subscribers

36,317 Aufrufe • vor 2 Monaten •via X (Twitter)

Finanzen Comedy

Anya Rossi• Live Now

Private livecam show

28 Kommentare

Profilbild von Jesse

Jessevor 2 Monaten

And that's precisely why you're popular because you don't hold your criticism of anyone. If they're doing wrong, you call them out.

Profilbild von ~

~vor 2 Monaten

Damn I’m wearing the Walmart knockoff version of your shirt. Excuse the paint 😂😂

Profilbild von Jason / Rod Knock Engineering 🇺🇸 | 🥥🧁

Jason / Rod Knock Engineering 🇺🇸 | 🥥🧁vor 2 Monaten

He isn't being mean he's being honest. They're almost 6 figures in debt if they can't handle him being honest then then they can't handle when he tells them how to fix their debt.

Profilbild von Bad Duck

Bad Duckvor 2 Monaten

"I have a degree" so do I buddy and trust me nobody gives a shit degrees have been diluted thanks to the internet being everywhere

Profilbild von KEVIN CLOUD

KEVIN CLOUDvor 2 Monaten

Shut up fat boy lol go for a run

Profilbild von Brendan Escobar

Brendan Escobarvor 2 Monaten

The funny thing is that you are a boot to life, just turning 21 a few months ago...how did your first beer taste like? Hahahaha....I hate how society and social media has let wet behind the ears, bootlicking cucks like you have a platform to get rich. It is disgusting. 🤔🤡🤣☠️

Profilbild von Jack Clapton

Jack Claptonvor 2 Monaten

hold on let me start: Ha ha,ha ha ha, ha ha ha, ha ha ha (pause for inhale) ah ha ha ha. Mr. Hammer, you only tell people the truth, I have seen the individuals you deal with and they don't like taking accountability, so naturally they don't use a mirror. You are that mirror.

Profilbild von Kilrazin

Kilrazinvor 2 Monaten

He isnt to mean, its that these people are fragile and emotionally weak. They aren't on his show because they're smart. They're there because they fucked up and need help. He calls them on their bullshit and they hate it.

Profilbild von John Willow

John Willowvor 2 Monaten

Bro used to be so skinny 😭

Profilbild von Xiorx

Xiorxvor 2 Monaten

You are not too mean. We are just too coddled a country. These people could stand to work in blue collar jobs for a while 😅

Profilbild von Casey

Caseyvor 2 Monaten

I thought you were the MySpace guy in that quick throwback.

Profilbild von Jeremy Sargent

Jeremy Sargentvor 2 Monaten

Degree's don't equate to intelligence. They do mean that you can be trained and that you had the money/time for said degree.

Profilbild von Zeffie Zero

Zeffie Zerovor 2 Monaten

Too pussy on some people. Double down. Get meaner. Lift weights.

Profilbild von sunnie78

sunnie78vor 2 Monaten

Appealing to authority does not help when you are in self imposed debt. A degree doesn't mean you are good with money.

Profilbild von Mortheous♿️

Mortheous♿️vor 2 Monaten

That's why we like the show, you don't pull punches & give it to them straight up.

Profilbild von Tim

Timvor 2 Monaten

Nobody with a degree in information systems goes around bragging that they have a degree in information systems. It’s not a doctor or a lawyer. It’s a basic degree

Profilbild von Esther Fuamatu

Esther Fuamatuvor 2 Monaten

real, bro. God bless ya.

Profilbild von Amory Blaine

Amory Blainevor 2 Monaten

Guy single handedly destroyed whatever reputation the texas tech "information systems" major had, if it had one.

Profilbild von Perfect Storm Gaming

Perfect Storm Gamingvor 2 Monaten

What the fuck even does that last mongo do??

Profilbild von Ex_impius MD, PhD, Esquire

Ex_impius MD, PhD, Esquirevor 2 Monaten

They confuse Education with intelligence. Two totally different things

Profilbild von Internet Clout

Internet Cloutvor 2 Monaten

idk, i found your show and it has been very entertaining. I try to watch all the new episodes, the post shows look killer but i can't afford it so I am not even going to sign up for the trial that would just be a depressing tease. Sorry, I just can't budget you in right now :(

Profilbild von Ebrithalia

Ebrithaliavor 2 Monaten

Wake up calls are not supposed to be soft and gentle lol. Being told you're being stupid can be eye opening for some

Profilbild von BobaTea64

BobaTea64vor 2 Monaten

It’s true… no one gives a shit about your degree. Getting a degree and expecting external validation for it is childish.

Profilbild von Steve Worj

Steve Worjvor 2 Monaten

Information systems guy reminds me of Steiny from Nelk

Profilbild von Ocnarf

Ocnarfvor 2 Monaten

Keep doing what you're doing, Hammer. The softness needs to be beaten out of this and the previous generation. With words, of course.

Profilbild von SVR

SVRvor 2 Monaten

Brother you look like peter griffin. Drop some weight and drop the attitude.

Profilbild von wenlll

wenlllvor 2 Monaten

Let's have a "Caleb is so mean...." and see who comes up with the best one! I'll start. Caleb is so mean he made all the dinosaurs bring about their own extinction.

Profilbild von Pratyangira

Pratyangiravor 2 Monaten

Nope. Not mean. I do like it when Caleb yells at them to STFU. 🥰

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Caleb Hammer calls a guest pathetic for being in debt while living with her mom and not contributing anything to the household. Caleb Hammer: You are so spoiled. You are so entitled. You are such a permanent victim to yourself and only yourself. Let’s get this budget. You’re so pathetic. The minimum payments that you owe, to your mom and stuff, not taking into account hers, is still, I mean, for your income, not great. $488.81. What’s your rent? Guest: Nothing. Caleb Hammer: How? Guest: I live with my mom. Caleb Hammer: This is pathetic. There is no reason you’re in debt. Do you have to provide anything for utilities? Guest: No. Caleb Hammer: You’re disgusting. You disgust me. You disgust me. Caleb Hammer: This is pathetic, actually. This is pathetic. Do you have to contribute to the groceries, or do they grocery shop? Guest: They grocery shop. Caleb Hammer: You are so pathetic. This phone bill, how much? Guest: Nothing. Caleb Hammer: Okay. Gas is reimbursed? Guest: Yeah, but I… Caleb Hammer: How much extra? It’s reimbursed in the end? Guest: Oh, yeah. Caleb Hammer: So I’m X-ing it out because that’s included in your income of $3,200. Guest: So I’d say an extra… Caleb Hammer: Car insurance? Guest: My mom pays it. Caleb Hammer: Subscriptions, I’ll give you $50. Do you have any pets? Guest: Yes. Caleb Hammer: Do you have to buy them pet food? Guest: Yeah. Caleb Hammer: How much? Guest: Probably like $25 a month, I guess. Caleb Hammer: What is your pet? Guest: A cat. Caleb Hammer: Okay, I’ll give you $50 for pet insurance. TP fund, anything else you need? Do they buy you tampons and everything? Guest: I don’t get my period with my birth control. Caleb Hammer: Do they buy you toothpaste and toothbrushes? Guest: No, I pay for those things myself. Caleb Hammer: Okay, I’ll give you a TP fund, $150. You decide where that goes. That’s what you need to survive. But, I mean, they’re still taking care of toilet paper, I’m guessing. Guest: I might need the TP fund a little bit more. Does that include my nails? Can I put my nails in there? Caleb Hammer: No, you don’t. Go fuck yourself, you entitled bitch.

Caleb Hammer calls a guest pathetic for being in debt while living with her mom and not contributing anything to the household. Caleb Hammer: You are so spoiled. You are so entitled. You are such a permanent victim to yourself and only yourself. Let’s get this budget. You’re so pathetic. The minimum payments that you owe, to your mom and stuff, not taking into account hers, is still, I mean, for your income, not great. $488.81. What’s your rent? Guest: Nothing. Caleb Hammer: How? Guest: I live with my mom. Caleb Hammer: This is pathetic. There is no reason you’re in debt. Do you have to provide anything for utilities? Guest: No. Caleb Hammer: You’re disgusting. You disgust me. You disgust me. Caleb Hammer: This is pathetic, actually. This is pathetic. Do you have to contribute to the groceries, or do they grocery shop? Guest: They grocery shop. Caleb Hammer: You are so pathetic. This phone bill, how much? Guest: Nothing. Caleb Hammer: Okay. Gas is reimbursed? Guest: Yeah, but I… Caleb Hammer: How much extra? It’s reimbursed in the end? Guest: Oh, yeah. Caleb Hammer: So I’m X-ing it out because that’s included in your income of $3,200. Guest: So I’d say an extra… Caleb Hammer: Car insurance? Guest: My mom pays it. Caleb Hammer: Subscriptions, I’ll give you $50. Do you have any pets? Guest: Yes. Caleb Hammer: Do you have to buy them pet food? Guest: Yeah. Caleb Hammer: How much? Guest: Probably like $25 a month, I guess. Caleb Hammer: What is your pet? Guest: A cat. Caleb Hammer: Okay, I’ll give you $50 for pet insurance. TP fund, anything else you need? Do they buy you tampons and everything? Guest: I don’t get my period with my birth control. Caleb Hammer: Do they buy you toothpaste and toothbrushes? Guest: No, I pay for those things myself. Caleb Hammer: Okay, I’ll give you a TP fund, $150. You decide where that goes. That’s what you need to survive. But, I mean, they’re still taking care of toilet paper, I’m guessing. Guest: I might need the TP fund a little bit more. Does that include my nails? Can I put my nails in there? Caleb Hammer: No, you don’t. Go fuck yourself, you entitled bitch.

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Caleb panicked so hard.😨 @Caleb Hammer. #caleb #calebhammer #finance #financialaudit #podcast

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Caleb Hammer asked her to define fascism. It only got more heated from there. Caleb Hammer: “Please describe fascism.” “What is the economic and political structure of fascism?” Guest: “Fascism is when you suppress dissent.” Caleb Hammer: “That’s it?” “The entire economic and political structure of fascism… and that’s your definition?” Guest: “There’s many facets of it…” Caleb Hammer: “Please describe the economic structure of fascism.” Guest: “Fascism is when you silence dissent.” Caleb Hammer: “Okay… let’s try to get a second one in there.” Guest: “Fascism is also when you oppress minorities.” Caleb Hammer: “You’re basically using the same talking point.” “Do you actually have anything that can describe what fascism really is?” Guest: “Fascism is… private prisons.” Caleb Hammer: “That’s not what defines fascism.” “You use buzzwords, and you know no actual reality.” Guest: “I know that we are suffering, and there’s got to be an alternative.” Caleb Hammer: “Suffering has gone down substantially under capitalism.” Guest: “Capitalism allows people to die.” Caleb Hammer: “Did anyone ever die under communism?” Guest: “People aren’t prioritized as much as profits are.” Caleb Hammer: “If you don’t know about bankruptcy, then don’t comment on medical debt.”

Caleb Hammer asked her to define fascism. It only got more heated from there. Caleb Hammer: “Please describe fascism.” “What is the economic and political structure of fascism?” Guest: “Fascism is when you suppress dissent.” Caleb Hammer: “That’s it?” “The entire economic and political structure of fascism… and that’s your definition?” Guest: “There’s many facets of it…” Caleb Hammer: “Please describe the economic structure of fascism.” Guest: “Fascism is when you silence dissent.” Caleb Hammer: “Okay… let’s try to get a second one in there.” Guest: “Fascism is also when you oppress minorities.” Caleb Hammer: “You’re basically using the same talking point.” “Do you actually have anything that can describe what fascism really is?” Guest: “Fascism is… private prisons.” Caleb Hammer: “That’s not what defines fascism.” “You use buzzwords, and you know no actual reality.” Guest: “I know that we are suffering, and there’s got to be an alternative.” Caleb Hammer: “Suffering has gone down substantially under capitalism.” Guest: “Capitalism allows people to die.” Caleb Hammer: “Did anyone ever die under communism?” Guest: “People aren’t prioritized as much as profits are.” Caleb Hammer: “If you don’t know about bankruptcy, then don’t comment on medical debt.”

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Caleb Hammer says Dave Ramsey’s $1,000 emergency fund rule is outdated. Codie Sanchez: What do you disagree with Dave Ramsey on? Caleb Hammer: Overall, I think Dave Ramsey has helped millions of Americans. His positive impact has been far greater than the negative. Caleb Hammer: But sticking to a $1,000 emergency fund today is kind of crazy. Caleb Hammer: If you just adjusted it for inflation, it’d be around $3,000 now. Caleb Hammer: I’ve had people follow the $1,000 rule, then an emergency happened… Caleb Hammer: It wasn’t enough, so they went right back into debt and made the debt snowball even worse. Caleb Hammer: That’s why I recommend saving at least one month’s expenses before aggressively paying off debt. Caleb Hammer: Or at the very least, have enough to cover your highest insurance deductible. Caleb Hammer: That’s how you stop one emergency from turning into a financial disaster.

‏ً

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Sensitive content

Caleb Hammer said Onlyfans women are whres. Female Guest: He thinks OnlyFans women are whres and slts and have no self-respect. Male Guest: Yeah, got to be the change you want to see in the world. Caleb Hammer: I mean, OnlyFans women are whres, but it doesn't mean being a whre is bad. I mean, I'm kind of a whre. Huh? Male Guest: New age pr*stitution. Caleb Hammer: Huh? In a way, but I also don't think… Female Guest: But I don't hook up with anybody. That never happened.

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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 Aufrufe • vor 4 Monaten

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 ♠️

87,094 Aufrufe • vor 4 Monaten

She trans her cat, Cooper. I think this is money well spent, but Caleb seems to disagree. (Caleb Hammer)

She trans her cat, Cooper. I think this is money well spent, but Caleb seems to disagree. (Caleb Hammer)

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Caleb Hammer debates a self-described socialist. Caleb Hammer: “You’re a socialist?” Guest: “Yes.” Caleb Hammer: “You know socialism has never worked. What socialism are you in favor of? Take a system that you’re in favor of.” Guest: “I just don’t want it to be capitalism.” Caleb Hammer: “Take a system that has been proven to work anywhere.” Guest: “I’m choosing socialism.” Caleb Hammer: “No… pick another country where it’s worked.” Guest: “New York.” Caleb Hammer: “That’s not socialist. That’s the most capitalist place in the world.” Guest: “They have more social programs.” Caleb Hammer: “All funded by the success of capitalism.”

Caleb Hammer debates a self-described socialist. Caleb Hammer: “You’re a socialist?” Guest: “Yes.” Caleb Hammer: “You know socialism has never worked. What socialism are you in favor of? Take a system that you’re in favor of.” Guest: “I just don’t want it to be capitalism.” Caleb Hammer: “Take a system that has been proven to work anywhere.” Guest: “I’m choosing socialism.” Caleb Hammer: “No… pick another country where it’s worked.” Guest: “New York.” Caleb Hammer: “That’s not socialist. That’s the most capitalist place in the world.” Guest: “They have more social programs.” Caleb Hammer: “All funded by the success of capitalism.”

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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 Aufrufe • vor 4 Monaten