Caleb Hammer

Not talking to the Theo Vons not helping you with your investments, but we're talking about the lady who has tens of thousands of dollars of credit card debt, some car she can't afford, and getting repoed left and right.

We call it Caleb Springer. That's what we call it.

We call it Caleb Springer. That's what we call it.

We call it Caleb Springer. That's what we call it.

College was – I was so dumb in college, man. Just starting to go into it. I was going into a major that wasn't going to make any money. I wanted to go into music. And of course, if you're going to go into music, you have to have like a $50,000 computer or whatever. Some nice, beautiful iMac. So max out a credit card with that. Got to have an electric piano. Yeah. You've got to be cool.

College was – I was so dumb in college, man. Just starting to go into it. I was going into a major that wasn't going to make any money. I wanted to go into music. And of course, if you're going to go into music, you have to have like a $50,000 computer or whatever. Some nice, beautiful iMac. So max out a credit card with that. Got to have an electric piano. Yeah. You've got to be cool.

College was – I was so dumb in college, man. Just starting to go into it. I was going into a major that wasn't going to make any money. I wanted to go into music. And of course, if you're going to go into music, you have to have like a $50,000 computer or whatever. Some nice, beautiful iMac. So max out a credit card with that. Got to have an electric piano. Yeah. You've got to be cool.

You've got to be like the other music majors. Max out a credit card with that. Why cook when you're tired from school? Go to McDonald's every day. And that's before I was even a fat fuck. I was just able to consume those and still be skinny. But max out a credit card with that. Got to get around. So I maxed out. I got like a $10,000, $11,000 car loan, but I couldn't afford the down payment.

You've got to be like the other music majors. Max out a credit card with that. Why cook when you're tired from school? Go to McDonald's every day. And that's before I was even a fat fuck. I was just able to consume those and still be skinny. But max out a credit card with that. Got to get around. So I maxed out. I got like a $10,000, $11,000 car loan, but I couldn't afford the down payment.

You've got to be like the other music majors. Max out a credit card with that. Why cook when you're tired from school? Go to McDonald's every day. And that's before I was even a fat fuck. I was just able to consume those and still be skinny. But max out a credit card with that. Got to get around. So I maxed out. I got like a $10,000, $11,000 car loan, but I couldn't afford the down payment.

Of course, I didn't know anything about money, so I borrowed money. Like $5,000 from the grandparents just to get a down payment on a car. It's the same stuff we're seeing on the show. So you were just in a bad spot. Bad spot. Private student loans too, man. It was rough. And had you been getting advice from anybody or you were just? No, this was generational.

Of course, I didn't know anything about money, so I borrowed money. Like $5,000 from the grandparents just to get a down payment on a car. It's the same stuff we're seeing on the show. So you were just in a bad spot. Bad spot. Private student loans too, man. It was rough. And had you been getting advice from anybody or you were just? No, this was generational.

Of course, I didn't know anything about money, so I borrowed money. Like $5,000 from the grandparents just to get a down payment on a car. It's the same stuff we're seeing on the show. So you were just in a bad spot. Bad spot. Private student loans too, man. It was rough. And had you been getting advice from anybody or you were just? No, this was generational.

My parents, even though they are better now, I'll give them credit there. we grew up definitely lower middle-class foreclosure notices, that kind of stuff. And at that point when the people who would teach you about that kind of stuff, because our school system really doesn't, at least in Michigan. And I don't think Texas either, uh,

My parents, even though they are better now, I'll give them credit there. we grew up definitely lower middle-class foreclosure notices, that kind of stuff. And at that point when the people who would teach you about that kind of stuff, because our school system really doesn't, at least in Michigan. And I don't think Texas either, uh,

My parents, even though they are better now, I'll give them credit there. we grew up definitely lower middle-class foreclosure notices, that kind of stuff. And at that point when the people who would teach you about that kind of stuff, because our school system really doesn't, at least in Michigan. And I don't think Texas either, uh,

At that point, you rely on them to teach you, but they didn't know anything. So I was just continuing that cycle. Every time you see people coming from a lower middle class background or poverty background, it's just that endless cycle because you can't learn from anywhere. And you have to get that drive somehow.

At that point, you rely on them to teach you, but they didn't know anything. So I was just continuing that cycle. Every time you see people coming from a lower middle class background or poverty background, it's just that endless cycle because you can't learn from anywhere. And you have to get that drive somehow.

At that point, you rely on them to teach you, but they didn't know anything. So I was just continuing that cycle. Every time you see people coming from a lower middle class background or poverty background, it's just that endless cycle because you can't learn from anywhere. And you have to get that drive somehow.

Dude, it's crazy. I think it's like a one week subject and the class where they also spend like two weeks showing you birthing videos. Yeah. You know, this is something that passes up real quick.