Caleb Hammer

If you get a job somewhere, you don't get VA home benefits.

You know, it's the same kind of thing.

No, and this is like you and those who have clipped me incorrectly are not actually listening to what I'm saying.

I'm saying it's unsustainable when we have a system where people can abuse it and not be questioned because it's a sacred cow in this country.

That's what's bad.

This portion of the video is sponsored by Kickoff.

Nobody teaches you how credit actually works.

In your early 20s, you swipe a card, miss a couple of payments, and suddenly you're getting denied for apartments.

Ask me how I know.

When I first started paying attention, my credit was sitting at under 600.

I wasn't reckless anymore.

I just didn't know how to build it the right way.

And that's where Kickoff helped.

Kickoff makes building credit simple and affordable.

Plans start at just $5 a month.

No interest, no hidden fees, no credit check to get started.

And users with credit under 600 grew an average of 25 points in their first month with on-time payments.

That's just from showing consistent good behavior.

And here's why it works.

A new account diversifies your credit mix immediately.