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Caleb Hammer

18 statements across 1 episodes · 6 bullish · 4 bearish · 1 people on the record · first statement Jul 13, 2026 by Caleb Hammer · said 1 times in 1 episodes since 2025 · across every show →

On the record as a speaker too: Caleb Hammer's record, appearances and statements → this page counts the times other people say the name.

Mentions by year

brought up most by Codie Sanchez (1)

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Everything said about Caleb Hammer, oldest first

Jul 13, 2026 positive
Disclosure
Hammer states his monthly business payroll is approximately $500,000
“So I'm happy to talk about my success and that the Podcast is successful and that I make money and that I brag about how many people I employ and how my, you know, payroll is like a half a million dollars a month.”
Caleb Hammer Jul 13, 2026 ▶ 44:47 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 positive
Disclosure
Hammer recommends a one-month emergency fund before aggressive debt payoff
“So that's why we recommend at least a one month emergency fund before going crazy on debt.”
Caleb Hammer Jul 13, 2026 ▶ 24:12 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026
Assertion Not checkable as stated
Hammer: Reached $250K net worth at 26 before making YouTube revenue
“A couple of years later, when I went to start the YouTube channel I accumulated a quarter million dollar net worth for a 26 year old, which is obviously way above the median, but that's before any YouTube penny, anything like that. So I went from, you know, ne…”
Caleb Hammer Jul 13, 2026 ▶ 41:03 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 positive
Insight
Hammer: Highlighting the burden on children breaks through defensive financial habits
“It is usually, if I can loop it back to their kids, it always wins. Cause that's where they really feel that emotion. You know, if I can make clear that like their kids are going to have to put their lives on hold to take care of their parents that just sacrif…”
Caleb Hammer Jul 13, 2026 ▶ 52:50 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 negative
Insight
Hammer: Promises without immediate bank statement proof indicate lack of reform
“If the documents in front of me that represent your most recent month show that you clearly aren't doing that now, I don't care what you say you're going to do. That's the easiest thing for me to see. It's the actual action in the moment. If people are just us…”
Caleb Hammer Jul 13, 2026 ▶ 54:57 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 positive
Assertion Not checkable as stated
Hammer: Guests average $20k to $28k debt payoff over 12 months
“It was something like, it was like, 20,000 dollars, 28,000 hours in 12 months is the average high interest debt payoff on our show, which is really good.”
Caleb Hammer Jul 13, 2026 ▶ 55:29 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 negative
Assertion Not checkable as stated
Hammer: Many Financial Audit guests hide OnlyFans spending from partners
“We've had a lot of people on the shelf hiding OnlyFans subscription payments from their significant others when the significant other said, no, you can't do that.”
Caleb Hammer Jul 13, 2026 ▶ 7:37 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026
Insight
Hammer: Americans Value Lifestyle Convenience Over Becoming or Looking Rich
“So I would say look rich more than be rich, but even more than look rich is just to have the lifestyle in their own life of like convenience. They'd rather have that more than anything, especially in America.”
Caleb Hammer Jul 13, 2026 ▶ 22:24 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 negative
Opinion
Hammer: Paying to chat on OnlyFans reflects a severe loneliness epidemic
“The only fan subscription itself, isn't what scares me. What scares me is the people paying to chat because you're also paying to chat to an Indian overseas. And it's, I don't know what it's. It's just an indication of the absolute insanity. That is the loneli…”
Caleb Hammer Jul 13, 2026 ▶ 6:48 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 neutral
Assertion Open · timeframe Jul 2026
Hammer: Almost Half of Financial Audit Guests Have Accounts in Collections
“Collections. Almost half the episodes we do.”
Caleb Hammer Jul 13, 2026 ▶ 1:35 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026
Disclosure
Hammer has personally paid for couples therapy for show guests
“We tried to get them into couples therapy. I've paid for some couples therapy myself, so we'll at least start there.”
Caleb Hammer Jul 13, 2026 ▶ 57:30 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 neutral
Disclosure
Hammer: Financial Audit does not plug guest info to prevent clout-chasers
“And we don't plug people's information on our show. Cause we don't let people come for clout.”
Caleb Hammer Jul 13, 2026 ▶ 48:50 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026
Assertion Not checkable as stated
Hammer got a guest fired for using a racial slur
“I called his boss in the post show and got him fired.”
Caleb Hammer Jul 13, 2026 ▶ 54:03 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 positive
Disclosure
Hammer chooses to invest rather than prepay his 2% student loans
“I still own my student loans. I mean, they're like two percent. So what am I going to do? I'm investing. Like I'm investing. I'm not, you know, I'm going to do it. I'm going to do my standard 10 year process and I'm investing.”
Caleb Hammer Jul 13, 2026 ▶ 10:16 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 positive
Assertion Not checkable as stated
Hammer: Premium network Hammer Elite has 110,000 monthly paying subscribers
“We would do a lot more than that with the doubt wise budget nap a membership or premium membership of shows called hammer elite that a hundred then A 110,000 people subscribed to a month.”
Caleb Hammer Jul 13, 2026 ▶ 1:01:51 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 neutral
Insight
Hammer: Target-date funds get conservative too quickly but work for average investors
“It gets a little too conservative, too quick for most people, a little too bond heavy, but either way, it's good for the average person because it'll balance and they're not going to balance themselves.”
Caleb Hammer Jul 13, 2026 ▶ 28:21 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 negative
Insight
Hammer: Debtors fiercely resist downgrading expensive cars despite $40,000 net gains
“People just like, when I can get them to actually relatively break even on the car, then go borrow for a 10,000 dollar car, and they make like a net gain of 40,000 dollars, they'll fight me to the bone.”
Caleb Hammer Jul 13, 2026 ▶ 50:58 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
Jul 13, 2026 neutral
Opinion
Hammer: Society is better without gambling, but practical focus must be education
“It's probably, if we had the dictatorial stamp, it's probably better for society if it didn't exist. That's not how it works. So we just have to decide, educate people on how to do it properly.”
Caleb Hammer Jul 13, 2026 ▶ 47:49 The #1 Money Habit That Separates Winners from Losers | Caleb Hammer
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