Caleb Hammer

No one would say go get a degree for 30 percent interest. So learning hair extensions of that doesn't make sense. But he wants to move to Thailand to escape it, though. So I think that that's his out. To escape the debt, you mean? To escape capitalism is what he specifically said. Yeah.

No one would say go get a degree for 30 percent interest. So learning hair extensions of that doesn't make sense. But he wants to move to Thailand to escape it, though. So I think that that's his out. To escape the debt, you mean? To escape capitalism is what he specifically said. Yeah.

No one would say go get a degree for 30 percent interest. So learning hair extensions of that doesn't make sense. But he wants to move to Thailand to escape it, though. So I think that that's his out. To escape the debt, you mean? To escape capitalism is what he specifically said. Yeah.

Honestly, no. Surprisingly, a lot of people, when they just get overwhelmed by their finances, they really just put their head in the sand and they just forget about it until it all comes and bites them in the ass. And that's usually when they come on our show. They realize they've had too much. And they watch one of our episodes and they're like, oh, shit, I got to apply.

Honestly, no. Surprisingly, a lot of people, when they just get overwhelmed by their finances, they really just put their head in the sand and they just forget about it until it all comes and bites them in the ass. And that's usually when they come on our show. They realize they've had too much. And they watch one of our episodes and they're like, oh, shit, I got to apply.

Honestly, no. Surprisingly, a lot of people, when they just get overwhelmed by their finances, they really just put their head in the sand and they just forget about it until it all comes and bites them in the ass. And that's usually when they come on our show. They realize they've had too much. And they watch one of our episodes and they're like, oh, shit, I got to apply.

And that's when we usually see them is when they've realized it's too much and they're in the most dire situation. But they haven't fully awakened to why. So they're still defensive on things. I'm sure they're nervous on camera. They're just normal people off the street. But that's why they're still defensive and they're trying to understand like what is going on.

And that's when we usually see them is when they've realized it's too much and they're in the most dire situation. But they haven't fully awakened to why. So they're still defensive on things. I'm sure they're nervous on camera. They're just normal people off the street. But that's why they're still defensive and they're trying to understand like what is going on.

And that's when we usually see them is when they've realized it's too much and they're in the most dire situation. But they haven't fully awakened to why. So they're still defensive on things. I'm sure they're nervous on camera. They're just normal people off the street. But that's why they're still defensive and they're trying to understand like what is going on.

And there's lots of cope talk, lots of cope talk across the table for me.

And there's lots of cope talk, lots of cope talk across the table for me.

And there's lots of cope talk, lots of cope talk across the table for me.

Yeah, just like I was allowed to do it. It was my birthday month. It's okay.

Yeah, just like I was allowed to do it. It was my birthday month. It's okay.

Yeah, just like I was allowed to do it. It was my birthday month. It's okay.

Yeah. It was okay to go to school for 12 years and take out private student loans to pay for an expensive apartment. I was just trying to survive.

Yeah. It was okay to go to school for 12 years and take out private student loans to pay for an expensive apartment. I was just trying to survive.

Yeah. It was okay to go to school for 12 years and take out private student loans to pay for an expensive apartment. I was just trying to survive.

Absolutely. And I was there too. It just takes that moment. It takes that moment for everything. Totally. I haven't hit it for going to the gym or dieting, but it takes that moment for plunging into the deep end. There's usually something. For me, it might be a heart attack. But for my finances, it was, you know, shit, I can't pay this month's rent. I'm continuing the cycle of foreclosure notices.

Absolutely. And I was there too. It just takes that moment. It takes that moment for everything. Totally. I haven't hit it for going to the gym or dieting, but it takes that moment for plunging into the deep end. There's usually something. For me, it might be a heart attack. But for my finances, it was, you know, shit, I can't pay this month's rent. I'm continuing the cycle of foreclosure notices.