Caleb Hammer
👤 SpeakerAppearances Over Time
Podcast Appearances
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.
So they usually find their moment, but they just don't know why things are bad. But that's when they come on. We meet them at the bottom. Usually some need a little further to go. And that sucks to see. That sucks to see. But people that have come on our show, though, the median guest pays off $10,000 in 10 months. Really? So it does work. It works really well.
So they usually find their moment, but they just don't know why things are bad. But that's when they come on. We meet them at the bottom. Usually some need a little further to go. And that sucks to see. That sucks to see. But people that have come on our show, though, the median guest pays off $10,000 in 10 months. Really? So it does work. It works really well.
So they usually find their moment, but they just don't know why things are bad. But that's when they come on. We meet them at the bottom. Usually some need a little further to go. And that sucks to see. That sucks to see. But people that have come on our show, though, the median guest pays off $10,000 in 10 months. Really? So it does work. It works really well.
They just need that wake-up call, a little of that adult moment where it's the first time someone's given them the real shit without just trying to skate around. Yeah.
They just need that wake-up call, a little of that adult moment where it's the first time someone's given them the real shit without just trying to skate around. Yeah.
They just need that wake-up call, a little of that adult moment where it's the first time someone's given them the real shit without just trying to skate around. Yeah.
They see it as a pile of money. Yeah. And that pile of money needs to be spent, of course. Yeah, yeah. Honestly, though, that's still a better mindset than where a lot of people come to. A lot of people will come on the show and they really haven't heard of emergency funds. And they say their credit card is their emergency fund. And that's, I mean, again, he took a high interest loan for it.
They see it as a pile of money. Yeah. And that pile of money needs to be spent, of course. Yeah, yeah. Honestly, though, that's still a better mindset than where a lot of people come to. A lot of people will come on the show and they really haven't heard of emergency funds. And they say their credit card is their emergency fund. And that's, I mean, again, he took a high interest loan for it.
They see it as a pile of money. Yeah. And that pile of money needs to be spent, of course. Yeah, yeah. Honestly, though, that's still a better mindset than where a lot of people come to. A lot of people will come on the show and they really haven't heard of emergency funds. And they say their credit card is their emergency fund. And that's, I mean, again, he took a high interest loan for it.
So I guess that's pretty similar. But at least he understood he needed an emergency fund. Some people think if anything happens, you put it on a credit card. Now, a lot of people don't have an option. So they do do that. But then, you know, we try to help them pay off the credit card as quick as possible.
So I guess that's pretty similar. But at least he understood he needed an emergency fund. Some people think if anything happens, you put it on a credit card. Now, a lot of people don't have an option. So they do do that. But then, you know, we try to help them pay off the credit card as quick as possible.
So I guess that's pretty similar. But at least he understood he needed an emergency fund. Some people think if anything happens, you put it on a credit card. Now, a lot of people don't have an option. So they do do that. But then, you know, we try to help them pay off the credit card as quick as possible.
No, there's still lots of flexing and lots of cope spending, too. The flexing, I mean, we have people come on with, you know, that outfit I think was a couple thousand bucks.
No, there's still lots of flexing and lots of cope spending, too. The flexing, I mean, we have people come on with, you know, that outfit I think was a couple thousand bucks.
No, there's still lots of flexing and lots of cope spending, too. The flexing, I mean, we have people come on with, you know, that outfit I think was a couple thousand bucks.
Yeah, it was very expensive. I didn't think it was. But even he had red sunglasses, too. They were like a few hundred bucks. It was crazy.