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The Joe Rogan Experience

#2509 - Caleb Hammer

6/4/20262 hr 21 min

Caleb Hammer is a YouTuber and host of the program “Financial Audit.”
www.youtube.com/c/calebhammer
www.patreon.com/calebhammer
www.calebhammer.com

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Transcript preview

First 90 seconds

  1. Joe Rogan· Host0:01

    Joe Rogan Podcast, check it out The Joe Rogan Experience. Train by day, Joe Rogan Podcast by night. All day. [upbeat music] Good to see you, Sy.

  2. Caleb Hammer· Guest0:13

    You too. Nice to meet you.

  3. Joe Rogan· Host0:14

    Very nice to meet you too. I, I enjoy your content.

  4. Caleb Hammer· Guest0:16

    Thank you.

  5. Joe Rogan· Host0:16

    You're a very sensible person.

  6. Caleb Hammer· Guest0:18

    Mm-hmm. I try to be.

  7. Joe Rogan· Host0:18

    And you deal with a lot of very unsensible people. [laughs] [laughs] How do you fucking keep your shit together when you talk to these people? You- you're f- we tell everybody you're a finance guy.

  8. Caleb Hammer· Guest0:27

    Mm-hmm.

  9. Joe Rogan· Host0:28

    And did you start out in debt and then figured out how to get your shit together?

  10. Caleb Hammer· Guest0:32

    Yeah, exactly. I, I was in college doing all the stupid American things, right? So you got that unlimited student loan debt for a bullshit degree. I was going for music composition, so complete bullshit degree. Uh, maxing out every credit card. One of the first pieces of financial advice I got at 18 from the parents, max out a credit card to get the piano I wanted. So that's smart, but- Your parents gave you that advice? Yeah, it's just the average American experience.

  11. Joe Rogan· Host0:58

    Right.

  12. Caleb Hammer· Guest0:58

    You just max out a credit card. I don't, I don't know if your parents taught you anything about personal finances, but- No ... most don't. It's, it's bad. So I was just maxing out every credit card, like everyone that comes on the show, like every American out there. We got $1.6 trillion in credit card debt in this country, by the way.

  13. Joe Rogan· Host1:14

    It's ... Woo.

  14. Caleb Hammer· Guest1:14

    Crazy amount. Crazy amount. Defaults are to, like, 7%, which is insane. 7% of credit cards are defaulting.

  15. Joe Rogan· Host1:22

    That's crazy.

  16. Caleb Hammer· Guest1:23

    Yeah. And- That, that is, that is really nuts. Yeah, it's crazy.

  17. Joe Rogan· Host1:26

    Almost one out of 10 default.

  18. Caleb Hammer· Guest1:27

    Yeah. It's absolutely insane. But we have more

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