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Caleb Hammer says Dave Ramsey’s $1,000 emergency fund rule is outdated.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.show more

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764,369 Aufrufe • vor 11 Tagen •via X (Twitter)

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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.”

Denji

11,908 Aufrufe • vor 24 Tagen

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.

Mue Deborah

62,981 Aufrufe • vor 3 Tagen

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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301,594 Aufrufe • vor 20 Tagen

Caleb Hammer goes off on a guest who refuses to sell his $40,000 gun collection to instantly clear his family’s $34,000 debt. Caleb Hammer: "What are your guns worth?" Guest: "$40,000 at least." Caleb Hammer: "Your debt is less than $40,000. Sell them, you're out of debt." Guest: "No." Caleb Hammer: "How do you care about your own sh*t more than your family? You are such a bad person!" Guest: "The fact of the matter is, I'm not selling 'em, 'cause I will never get 'em back." Caleb Hammer: "It doesn't matter! You'll never get your kids back either!... They matter more than your guns!" Guest: "The kids matter more than my guns, but... it'll be hard to sell 'em." Caleb Hammer: "You're literally choosing guns over her!"

Caleb Hammer goes off on a guest who refuses to sell his $40,000 gun collection to instantly clear his family’s $34,000 debt. Caleb Hammer: "What are your guns worth?" Guest: "$40,000 at least." Caleb Hammer: "Your debt is less than $40,000. Sell them, you're out of debt." Guest: "No." Caleb Hammer: "How do you care about your own sh*t more than your family? You are such a bad person!" Guest: "The fact of the matter is, I'm not selling 'em, 'cause I will never get 'em back." Caleb Hammer: "It doesn't matter! You'll never get your kids back either!... They matter more than your guns!" Guest: "The kids matter more than my guns, but... it'll be hard to sell 'em." Caleb Hammer: "You're literally choosing guns over her!"

Fibonacci 🥷

1,029,302 Aufrufe • vor 6 Tagen

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 ♠️

86,654 Aufrufe • vor 25 Tagen

Caleb Hammer poured peppered powder on his guest and threatened to assault him, saying he had a gun if the phone he stole wasn’t returned 😳💀 Caleb Hammer: Give it back! Give it back! Caleb Hammer: I will have my phone back or I will assault you. Guest: Dude, I’m bigger than you. You’ll assault me? Caleb Hammer: Yeah… I’ve got a gun coming. Guest: You’re talking about guns now? Guest: Bro, I’ll go back to jail right now, you think I’m playing? Caleb Hammer: Don’t make me do this. Guest: Yo, security!

Caleb Hammer poured peppered powder on his guest and threatened to assault him, saying he had a gun if the phone he stole wasn’t returned 😳💀 Caleb Hammer: Give it back! Give it back! Caleb Hammer: I will have my phone back or I will assault you. Guest: Dude, I’m bigger than you. You’ll assault me? Caleb Hammer: Yeah… I’ve got a gun coming. Guest: You’re talking about guns now? Guest: Bro, I’ll go back to jail right now, you think I’m playing? Caleb Hammer: Don’t make me do this. Guest: Yo, security!

Ridwan

1,063,758 Aufrufe • vor 1 Monat

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 18 Tagen

A guest told Caleb Hammer she was in debt because of the last election. Caleb challenged her reasoning. Caleb Hammer: “So, what’s going on?” Guest: “I’m actually kind of in debt because of the past election.” Caleb Hammer: “Well, at least you acknowledge it. What the… do you possibly mean?” Guest: “Most of my clients are affected by how the economy works.” “My boyfriend’s in construction, and his income has been affected drastically.” Caleb Hammer: “Wouldn’t that have affected his job three or four years ago too… and then gotten a little better for a while?” Guest: “Yes. We were kind of doing okay at that point.” Caleb Hammer: “People think the president has a lot more impact than they do.” “The effects of things like tariffs take time to work through the economy.” “We’re on the same trajectory we’ve been on in terms of job numbers.” “If Kamala was president, would you be saying the exact same thing… that because of the last election you’ve lost money?” Guest: “Probably.” Caleb Hammer: “So, you blame everyone but yourselves.” Guest: “No.”

A guest told Caleb Hammer she was in debt because of the last election. Caleb challenged her reasoning. Caleb Hammer: “So, what’s going on?” Guest: “I’m actually kind of in debt because of the past election.” Caleb Hammer: “Well, at least you acknowledge it. What the… do you possibly mean?” Guest: “Most of my clients are affected by how the economy works.” “My boyfriend’s in construction, and his income has been affected drastically.” Caleb Hammer: “Wouldn’t that have affected his job three or four years ago too… and then gotten a little better for a while?” Guest: “Yes. We were kind of doing okay at that point.” Caleb Hammer: “People think the president has a lot more impact than they do.” “The effects of things like tariffs take time to work through the economy.” “We’re on the same trajectory we’ve been on in terms of job numbers.” “If Kamala was president, would you be saying the exact same thing… that because of the last election you’ve lost money?” Guest: “Probably.” Caleb Hammer: “So, you blame everyone but yourselves.” Guest: “No.”

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425,441 Aufrufe • vor 21 Tagen

Caleb Hammer schooled a socialist guest who works a corporate job about socialism. Guest: I work in finance. Caleb Hammer: Doing what? Guest: I do corporate finance for stadiums and arenas. Caleb Hammer: Like Ticketmaster? Guest: Not Ticketmaster. But we do work with Ticketmaster. Caleb Hammer: Yeah, okay. So you're one of the actual evil capitalists. Guest: By day a villain, by night a hero. Caleb Hammer: Trying to prevent modern infrastructure, that's weird. That's being a hero? That's weird. Guest: No, going to concentration camps. Yeah, I actually just got back from New Jersey... Caleb Hammer: You went to Auschwitz? Guest: I just got back from Delaney Hall. Caleb Hammer: Where's that? Guest: That's in New Jersey. Caleb Hammer: It's just... we're talking about concentration camps. You're a socialist? Guest: Yes. Caleb Hammer: Okay, you know socialism has never worked. What socialism are you in favor for? Here we go, get ready.

Caleb Hammer schooled a socialist guest who works a corporate job about socialism. Guest: I work in finance. Caleb Hammer: Doing what? Guest: I do corporate finance for stadiums and arenas. Caleb Hammer: Like Ticketmaster? Guest: Not Ticketmaster. But we do work with Ticketmaster. Caleb Hammer: Yeah, okay. So you're one of the actual evil capitalists. Guest: By day a villain, by night a hero. Caleb Hammer: Trying to prevent modern infrastructure, that's weird. That's being a hero? That's weird. Guest: No, going to concentration camps. Yeah, I actually just got back from New Jersey... Caleb Hammer: You went to Auschwitz? Guest: I just got back from Delaney Hall. Caleb Hammer: Where's that? Guest: That's in New Jersey. Caleb Hammer: It's just... we're talking about concentration camps. You're a socialist? Guest: Yes. Caleb Hammer: Okay, you know socialism has never worked. What socialism are you in favor for? Here we go, get ready.

Ruzy.hl

119,482 Aufrufe • vor 24 Tagen

A woman blamed the U.S. healthcare system… then Caleb Hammer asked one question. Caleb Hammer: “What health insurance do you have right now?” Girlfriend: “None.” Caleb Hammer: “That’s your fault. The Affordable Care Act is there for you. Healthcare. gov is there for you to enroll in things that are completely subsidized.” Boyfriend: “I’ve been trying to get you to apply to stuff.” Caleb Hammer: “This sounds like a you problem.” Caleb Hammer: “Don’t get me wrong, health insurance in this country is ridiculously expensive. You’re not going to get me defending it by any means.” Caleb Hammer: “But when you take the stance of, ‘It’s bad,’ and I’ve done nothing… what am I going to say?” Girlfriend: “Being a woman in the United States with a chronic health condition, you’re more likely to go undiagnosed for 10-plus years.” Caleb Hammer: “Girl, you haven’t signed up for health insurance to go to the doctor when you get it for free.” Girlfriend: “I mean, even when I’ve had health insurance…” Caleb Hammer: “You’re getting me to defend a system that’s certainly broken because you literally haven’t taken five minutes to go online and sign up for something that I pay taxes for.” Caleb Hammer: “I don’t think it’s because you’re a woman. I think it’s because you haven’t gone.”

A woman blamed the U.S. healthcare system… then Caleb Hammer asked one question. Caleb Hammer: “What health insurance do you have right now?” Girlfriend: “None.” Caleb Hammer: “That’s your fault. The Affordable Care Act is there for you. Healthcare. gov is there for you to enroll in things that are completely subsidized.” Boyfriend: “I’ve been trying to get you to apply to stuff.” Caleb Hammer: “This sounds like a you problem.” Caleb Hammer: “Don’t get me wrong, health insurance in this country is ridiculously expensive. You’re not going to get me defending it by any means.” Caleb Hammer: “But when you take the stance of, ‘It’s bad,’ and I’ve done nothing… what am I going to say?” Girlfriend: “Being a woman in the United States with a chronic health condition, you’re more likely to go undiagnosed for 10-plus years.” Caleb Hammer: “Girl, you haven’t signed up for health insurance to go to the doctor when you get it for free.” Girlfriend: “I mean, even when I’ve had health insurance…” Caleb Hammer: “You’re getting me to defend a system that’s certainly broken because you literally haven’t taken five minutes to go online and sign up for something that I pay taxes for.” Caleb Hammer: “I don’t think it’s because you’re a woman. I think it’s because you haven’t gone.”

‏ً

636,975 Aufrufe • vor 23 Tagen

A wife claimed women are more free in Islam than any other religion. Her husband backed her up, Caleb Hammer wasn’t having it. Caleb Hammer: “You’re gonna lose me here based on everything we see in the literal world.” Wife: “I think that’s all because of media portrayal.” Husband: “Check your facts, Caleb.” Caleb Hammer: “You think they have the same freedoms they had before it became a theocratic regime?” Husband: “Well, by freedom, what is your definition?” Caleb Hammer: “Those states that are led from Islamic principles are the least feminist states in the entire world.”

A wife claimed women are more free in Islam than any other religion. Her husband backed her up, Caleb Hammer wasn’t having it. Caleb Hammer: “You’re gonna lose me here based on everything we see in the literal world.” Wife: “I think that’s all because of media portrayal.” Husband: “Check your facts, Caleb.” Caleb Hammer: “You think they have the same freedoms they had before it became a theocratic regime?” Husband: “Well, by freedom, what is your definition?” Caleb Hammer: “Those states that are led from Islamic principles are the least feminist states in the entire world.”

‏ً

567,407 Aufrufe • vor 1 Monat

Caleb Hammer completely loses his mind after this couple reveals they blew a $122,000 inheritance check on a bus and weed. Girlfriend: I got a $122,000 inheritance check. To then which we like blew in a year. Caleb Hammer: Two months? A year and a half out of what? Girlfriend: No It was like eight months. Caleb Hammer: WHAT?! Boyfriend: We bought school bus. Girlfriend: That we converted. It was his dream. That was not my dream. Caleb Hammer: Out of 120,000? Boyfriend: No, no, no, that was only maybe 40,000. Caleb Hammer: And where did the rest of it go? Caleb Hammer: And the rest of the check just went to literally living because you guys wanted to sit on your ass for six months? Boyfriend: No, living and drugs. Girlfriend: Smoked a lot of weed. Boyfriend: We were spending at least $1,000 a week on weed. Caleb Hammer: A THOUSAND DOLLARS A WEEK ON WEED?! Boyfriend: Yeah, for like a solid three months. Caleb Hammer: You guys are losers, man.

Caleb Hammer completely loses his mind after this couple reveals they blew a $122,000 inheritance check on a bus and weed. Girlfriend: I got a $122,000 inheritance check. To then which we like blew in a year. Caleb Hammer: Two months? A year and a half out of what? Girlfriend: No It was like eight months. Caleb Hammer: WHAT?! Boyfriend: We bought school bus. Girlfriend: That we converted. It was his dream. That was not my dream. Caleb Hammer: Out of 120,000? Boyfriend: No, no, no, that was only maybe 40,000. Caleb Hammer: And where did the rest of it go? Caleb Hammer: And the rest of the check just went to literally living because you guys wanted to sit on your ass for six months? Boyfriend: No, living and drugs. Girlfriend: Smoked a lot of weed. Boyfriend: We were spending at least $1,000 a week on weed. Caleb Hammer: A THOUSAND DOLLARS A WEEK ON WEED?! Boyfriend: Yeah, for like a solid three months. Caleb Hammer: You guys are losers, man.

Traeyz ♠️

43,273 Aufrufe • vor 19 Tagen

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 27 Tagen

This guest casually called Black people “blackies” and said she didn’t want to be around them. When Caleb Hammer freaked out, she accused him of starting it by saying white people were better. His employee was NOT having it. Caleb Hammer: And I know you would avoid Carnival like the f— Guest(Female): Oh, of course! We don’t need to be around those blackies. Caleb Hammer: What?! What the f—? I shouldn’t laugh at that, that is crazy! Why did you say that? Guest(Male): That might have been the realest thing you’ve ever said. Caleb Hammer: No, why would you actually say that aloud? That’s crazy. Guest(Male): It’s Carnival. Have you ever seen a Carnival cruise? Caleb Hammer: I avoid trashy behavior, yes. But not black people.

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This guest casually called Black people “blackies” and said she didn’t want to be around them. When Caleb Hammer freaked out, she accused him of starting it by saying white people were better. His employee was NOT having it. Caleb Hammer: And I know you would avoid Carnival like the f— Guest(Female): Oh, of course! We don’t need to be around those blackies. Caleb Hammer: What?! What the f—? I shouldn’t laugh at that, that is crazy! Why did you say that? Guest(Male): That might have been the realest thing you’ve ever said. Caleb Hammer: No, why would you actually say that aloud? That’s crazy. Guest(Male): It’s Carnival. Have you ever seen a Carnival cruise? Caleb Hammer: I avoid trashy behavior, yes. But not black people.

Ridwan

326,993 Aufrufe • vor 1 Monat

Caleb Hammer has officially seen it all. This LGBT guest is $415,000 in debt… and is still paying for Sniffies and glory holes. Guest: “My best friend told me I had to be here” Caleb Hammer: “what does she say you should do here?” Guest: “Budget” Caleb Hammer: “$277,000 is your mortgage but your total debt is $415,729, your mortgage is just half of it that’s crazy !” Guest: “I get overwhelmed, I’m really good at solving other peoples problems” Caleb: “Go to therapy” Guest: “I don’t” Caleb Hammer: “sniffies, you paid for sniffies?” “If you go to that website, it’s the craziest thing you’ll ever see. It’s basically a map full of schlongs and booty holes. You just pick one, show up, and that’s it. It’s like a buffet. And you’re paying for it. There are even locations where it’s like, ‘Go to this bathroom,’ and you can cum. It’s crazy. And you’re paying for it.?” Guest: “I do, so I can hide from people. Like, you can go into hidden mode if you want.” Caleb Hammer: “This is a fast track to STDs” Guest: “I do prep and doxy” Caleb Hammer: if you keep hitting yourself with that you’re gonna get resistant “This app is just people stroking and posting booty holes saying come through, like if you wanna traumatize yourself just go there” Guest: “I love paying subscription it’s natural you call it trauma I call it an opportunity, I’m sorry” Caleb: “I’m sorry for your body”

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Caleb Hammer has officially seen it all. This LGBT guest is $415,000 in debt… and is still paying for Sniffies and glory holes. Guest: “My best friend told me I had to be here” Caleb Hammer: “what does she say you should do here?” Guest: “Budget” Caleb Hammer: “$277,000 is your mortgage but your total debt is $415,729, your mortgage is just half of it that’s crazy !” Guest: “I get overwhelmed, I’m really good at solving other peoples problems” Caleb: “Go to therapy” Guest: “I don’t” Caleb Hammer: “sniffies, you paid for sniffies?” “If you go to that website, it’s the craziest thing you’ll ever see. It’s basically a map full of schlongs and booty holes. You just pick one, show up, and that’s it. It’s like a buffet. And you’re paying for it. There are even locations where it’s like, ‘Go to this bathroom,’ and you can cum. It’s crazy. And you’re paying for it.?” Guest: “I do, so I can hide from people. Like, you can go into hidden mode if you want.” Caleb Hammer: “This is a fast track to STDs” Guest: “I do prep and doxy” Caleb Hammer: if you keep hitting yourself with that you’re gonna get resistant “This app is just people stroking and posting booty holes saying come through, like if you wanna traumatize yourself just go there” Guest: “I love paying subscription it’s natural you call it trauma I call it an opportunity, I’m sorry” Caleb: “I’m sorry for your body”

𝓢𝓵𝓪𝓶 👁️⃤

149,953 Aufrufe • vor 13 Tagen

Caleb Hammer goes off on a guest who refuses to pay her taxes. Guest: In theory, I should be setting aside 30% for taxes. Caleb Hammer: Yeah, until the IRS comes after you. They're the ones with the guns, by the way. Guest: I am paying payment plans on my current taxes. Caleb Hammer: For your previous taxes. Previous, not future! Setting aside is for future, not previous. Guest: Yeah, but I owe freakin' $1,200... Caleb Hammer: How long have you been doing this? You should be filing estimated quarterlies anyway, you'll get penalties for not Guest: Estimated quarterlies, if I had the money to give them quarterlies! So, I pay the penalty Caleb Hammer: You just set aside money for taxes!

Caleb Hammer goes off on a guest who refuses to pay her taxes. Guest: In theory, I should be setting aside 30% for taxes. Caleb Hammer: Yeah, until the IRS comes after you. They're the ones with the guns, by the way. Guest: I am paying payment plans on my current taxes. Caleb Hammer: For your previous taxes. Previous, not future! Setting aside is for future, not previous. Guest: Yeah, but I owe freakin' $1,200... Caleb Hammer: How long have you been doing this? You should be filing estimated quarterlies anyway, you'll get penalties for not Guest: Estimated quarterlies, if I had the money to give them quarterlies! So, I pay the penalty Caleb Hammer: You just set aside money for taxes!

Ruzy.hl

272,390 Aufrufe • vor 1 Monat

Guest to his wife: What do you like about him? Caleb Hammer: His haircut's insane. He dresses so weird. Until you open your mouth, you are above his league. Guest: I literally cannot help the way I sound. Caleb Hammer: It's not how you sound, it's also your braces and stuff. It's just like... and then your chin disappears. But when you close your mouth, you're very attractive. Caleb Hammer: Why are you into him?! Guest: Okay, I... He's just... Now I feel like I'm put on the spot. Caleb Hammer: You are! That's because I asked you a question. Guest: I like his personality. He does have a good personality. Caleb Hammer: Jews, Jews, Jews, Jews, Jews, Jews! That's his personality. That's worth noting, to be fair.

Guest to his wife: What do you like about him? Caleb Hammer: His haircut's insane. He dresses so weird. Until you open your mouth, you are above his league. Guest: I literally cannot help the way I sound. Caleb Hammer: It's not how you sound, it's also your braces and stuff. It's just like... and then your chin disappears. But when you close your mouth, you're very attractive. Caleb Hammer: Why are you into him?! Guest: Okay, I... He's just... Now I feel like I'm put on the spot. Caleb Hammer: You are! That's because I asked you a question. Guest: I like his personality. He does have a good personality. Caleb Hammer: Jews, Jews, Jews, Jews, Jews, Jews! That's his personality. That's worth noting, to be fair.

Ruzy.hl

133,147 Aufrufe • vor 1 Monat

Caleb Hammer says “Dave Ramsey’s $1,000 emergency fund is leaving people WORSE off than before they started saving”. Most real emergencies cost more than $1k . Car breaks down. Medical bill. Lose your job. $1,000 is gone in one shot, and now you’re back in debt. Here’s what actually works: → Save 1 month of your full budget (not $1,000) → Have kids? Make it 2 months. The risk is higher. → The goal is simple: survive 30 days while you find new income A $1,000 “safety net” isn’t safety. It’s a false sense of security. How much is in YOUR emergency fund right now?

Caleb Hammer says “Dave Ramsey’s $1,000 emergency fund is leaving people WORSE off than before they started saving”. Most real emergencies cost more than $1k . Car breaks down. Medical bill. Lose your job. $1,000 is gone in one shot, and now you’re back in debt. Here’s what actually works: → Save 1 month of your full budget (not $1,000) → Have kids? Make it 2 months. The risk is higher. → The goal is simple: survive 30 days while you find new income A $1,000 “safety net” isn’t safety. It’s a false sense of security. How much is in YOUR emergency fund right now?

_Chase😈

709,723 Aufrufe • vor 1 Monat

A Caleb Hammer guest says Muslims are “literally… overtaking everything.” Caleb Hammer: “I’m sorry I triggered you with the Muslim cookbook because you were ranting beforehand how you’re scared that you bought a house in an area that’s being overrun by Muslims.” Wife: “They’re nice. It’s just that they literally are overtaking everything.” Caleb Hammer: “You’re ranting that the public schools celebrate Muslim holidays instead of Christian holidays.” Wife: “Correct. And I don’t like it.” Caleb Hammer: “I would prefer no religion in public schools.” Wife: “If you’re going to allow one, then you should allow all.”

A Caleb Hammer guest says Muslims are “literally… overtaking everything.” Caleb Hammer: “I’m sorry I triggered you with the Muslim cookbook because you were ranting beforehand how you’re scared that you bought a house in an area that’s being overrun by Muslims.” Wife: “They’re nice. It’s just that they literally are overtaking everything.” Caleb Hammer: “You’re ranting that the public schools celebrate Muslim holidays instead of Christian holidays.” Wife: “Correct. And I don’t like it.” Caleb Hammer: “I would prefer no religion in public schools.” Wife: “If you’re going to allow one, then you should allow all.”

‏ً

198,048 Aufrufe • vor 29 Tagen

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 ♠️

3,935,675 Aufrufe • vor 20 Tagen