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Loved talking with Caleb Hammer about what we've done in Michigan to require ALL students to take a personal financial literacy class to graduate so they can learn how to budget and save for their future instead of maxing out a credit card for a piano…

Governor Gretchen Whitmer

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19,981 Aufrufe • vor 9 Monaten •via X (Twitter)

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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 Aufrufe • vor 18 Tagen

“I want to be able to graduate high school so I could spend more time teaching kids about financial literacy ... Time is money!” 14-year-old Caden Harris' Financial Bus travels all over Atlanta to help students learn about the ins and outs of money in a hands-on way.

“I want to be able to graduate high school so I could spend more time teaching kids about financial literacy ... Time is money!” 14-year-old Caden Harris' Financial Bus travels all over Atlanta to help students learn about the ins and outs of money in a hands-on way.

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Caleb Hammer and Brandon reacted to a woman who claimed her credit card company is suing her for $10,000 “because she went to college.” Woman: ...why am I being sued for $10,000, actually… Caleb Hammer: Cause you didn't pay it. Woman: …because I tried to go to college. Because I graduated. Caleb Hammer: What the fuck is she talking about? Brandon: She's being sued for $10,000 because she tried to go to college? Caleb Hammer: Oh, we're about to get some fucking 2026 victim mindset bullshit. And she's going to get 100% egged on and encouraged in her fuck- comments. Woman: ...from college, actually. So around my second year of college, I decided to get a credit card because books themselves were $3,600… Caleb Hammer: Student loans... Brandon: Student loans can keep you, student loans for books? Yes. Woman: …clearly didn't have a job and needed a way to cover money for books, for food, for basic necessities... Caleb Hammer: Clearly. Brandon: I worked every single semester I was in college.

Caleb Hammer and Brandon reacted to a woman who claimed her credit card company is suing her for $10,000 “because she went to college.” Woman: ...why am I being sued for $10,000, actually… Caleb Hammer: Cause you didn't pay it. Woman: …because I tried to go to college. Because I graduated. Caleb Hammer: What the fuck is she talking about? Brandon: She's being sued for $10,000 because she tried to go to college? Caleb Hammer: Oh, we're about to get some fucking 2026 victim mindset bullshit. And she's going to get 100% egged on and encouraged in her fuck- comments. Woman: ...from college, actually. So around my second year of college, I decided to get a credit card because books themselves were $3,600… Caleb Hammer: Student loans... Brandon: Student loans can keep you, student loans for books? Yes. Woman: …clearly didn't have a job and needed a way to cover money for books, for food, for basic necessities... Caleb Hammer: Clearly. Brandon: I worked every single semester I was in college.

Ruzy.hl

154,518 Aufrufe • vor 1 Monat

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 ♠️

3,937,229 Aufrufe • vor 26 Tagen

we've just rolled out the basic foundation for your very own hyper-personalized financial AI in Maybe! what's been rolled out today is just the start. we've intentionally kept it basic so we can learn more about *how* folks want to interact with a personal finance AI.

we've just rolled out the basic foundation for your very own hyper-personalized financial AI in Maybe! what's been rolled out today is just the start. we've intentionally kept it basic so we can learn more about how folks want to interact with a personal finance AI.

Josh Pigford

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Nothing to see here… Just Pocahontas getting out of a private jet going to her vehicle with a personal chauffeur to drive her around so she can make a video talking about how bad wealthy people are for humanity 🤣

Nothing to see here… Just Pocahontas getting out of a private jet going to her vehicle with a personal chauffeur to drive her around so she can make a video talking about how bad wealthy people are for humanity 🤣

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Caleb Hammer was shocked after a guest said she no longer speaks to her parents because they asked for more context about Kamala Harris’ claim that Donald Trump wanted generals like a dictator. Caleb Hammer: That doesn't sound like extremism. You know what the word extremism means? What did they do that's extreme? Guest: [laughs] There was once upon a time when Kamala came out with... Caleb Hammer: Kamala, thank you. You're gonna get canceled for that. Guest: Um, she was talking about how our current president wanted to have generals more like dictators of old. Caleb Hammer: Okay. Guest: And I asked my parents what they felt about that and they said they needed the context, and I said, under what context is it okay to like want Hitler's generals? Caleb Hammer: Maybe they wanted to understand if he was doing his classic riffing or if he was being an actual dictator.

Caleb Hammer was shocked after a guest said she no longer speaks to her parents because they asked for more context about Kamala Harris’ claim that Donald Trump wanted generals like a dictator. Caleb Hammer: That doesn't sound like extremism. You know what the word extremism means? What did they do that's extreme? Guest: [laughs] There was once upon a time when Kamala came out with... Caleb Hammer: Kamala, thank you. You're gonna get canceled for that. Guest: Um, she was talking about how our current president wanted to have generals more like dictators of old. Caleb Hammer: Okay. Guest: And I asked my parents what they felt about that and they said they needed the context, and I said, under what context is it okay to like want Hitler's generals? Caleb Hammer: Maybe they wanted to understand if he was doing his classic riffing or if he was being an actual dictator.

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Caleb Hammer couldn’t believe a guest blamed the system for exhausted nurses instead of the choices people make. Guest: “Nurses are exhausted.” Caleb Hammer: Then what’s your solution? Guest: Shorter work weeks. Caleb Hammer: There’s already a nursing shortage. Guest: Workers should have more control over their hours. Caleb Hammer: They already do. They choose the jobs they apply for. Guest: We can improve their lives by giving them better rights. Caleb Hammer: Then they might not get paid as much. They already have the right to quit and work somewhere else.

Caleb Hammer couldn’t believe a guest blamed the system for exhausted nurses instead of the choices people make. Guest: “Nurses are exhausted.” Caleb Hammer: Then what’s your solution? Guest: Shorter work weeks. Caleb Hammer: There’s already a nursing shortage. Guest: Workers should have more control over their hours. Caleb Hammer: They already do. They choose the jobs they apply for. Guest: We can improve their lives by giving them better rights. Caleb Hammer: Then they might not get paid as much. They already have the right to quit and work somewhere else.

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We're talking about families who are trying to support their loved ones with the less than $35,000 a year. Just let that sink in for a second. That's why we've abolished the minimum wage in Chicago and will continue to phase it out.

We're talking about families who are trying to support their loved ones with the less than $35,000 a year. Just let that sink in for a second. That's why we've abolished the minimum wage in Chicago and will continue to phase it out.

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For all my Bhagins in Class 10, Soon we will credit ₹300/ month for 6 months to matriculation candidates from poor families so that they can take tuitions and perform better in their exams.

For all my Bhagins in Class 10, Soon we will credit ₹300/ month for 6 months to matriculation candidates from poor families so that they can take tuitions and perform better in their exams.

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In a Maryland school district, high school students are now required to complete a course in financial literacy. They're greatly benefiting from it—and so are their families.

In a Maryland school district, high school students are now required to complete a course in financial literacy. They're greatly benefiting from it—and so are their families.

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As investors like you work to build a better financial future, please check out our resources to help you along the way. They can help you learn how to invest for your future, spot fraud, do background checks on investment professionals, and more.

As investors like you work to build a better financial future, please check out our resources to help you along the way. They can help you learn how to invest for your future, spot fraud, do background checks on investment professionals, and more.

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Financial Literacy: Please save. Don’t wait to save what’s left of your earnings. Choose a portion before you spend and save it. It’s also okay to pay your children when they do house chores. Teach them how to save what they have earned at an early stage.

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What an easy & simple to understand explanation of what's wrong with our current financial system. Love to see more young people explain, how they can fix the money for their own future. #Bitcoin is just a matter of time!

What an easy & simple to understand explanation of what's wrong with our current financial system. Love to see more young people explain, how they can fix the money for their own future. #Bitcoin is just a matter of time!

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We asked middle school students to explain, in their words, what it’s like to grow up in D.C., and how they feel about crime and their safety. They responded with a mix of joy and despair.

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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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🤔 Matt Green finds out what GCSE students think of the NHS. Head to to learn more about our plans for its future.

🤔 Matt Green finds out what GCSE students think of the NHS. Head to to learn more about our plans for its future.

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#MikBrent : to be loved is to be known, and to be known is to loved regardless of what they learn about you. SEATED FOR MIKBRENT

#MikBrent : to be loved is to be known, and to be known is to loved regardless of what they learn about you. SEATED FOR MIKBRENT

✮

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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.

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"So what does he say? He says he's going to put a 10% cap on interest rates. You know what he hasn't done? Put a 10% cap on credit card interest rates. There's all sorts of things that come out of the man's mouth." Too often we talk about what he's talking about, but we ought to talk about what he's doing.

"So what does he say? He says he's going to put a 10% cap on interest rates. You know what he hasn't done? Put a 10% cap on credit card interest rates. There's all sorts of things that come out of the man's mouth." Too often we talk about what he's talking about, but we ought to talk about what he's doing.

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