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View Full Version : New (to me) YouTube finance guru


catherine
4-16-25, 2:20pm
I definitely have been a listener of Dave Ramsey, and iris lilies turned me on to Ramit Sethi, but I just came across a young guy (probably Millennial) called Caleb Hammer. I don't know what got me to click on this YouTube.. I was intrigued with the headline that he was talking to a 50 year old who had 400,000 in debt--none of it "good" debt, like a mortgage.

Watch a little of the video and let me know what you think of his style. I have to say, I watched the whole thing--almost 2 hours of the time he spent gobsmacked over this poor woman's situation. He's kind of like a young DR, because he doesn't mince words.

https://www.youtube.com/watch?v=Oq_jEnCUrVA
bae
4-16-25, 2:37pm
I lasted < 20 seconds before his vocal affectations became too annoying.
catherine
4-16-25, 2:44pm
True. He is pretty screechy. But I couldn't look away from the train wreck.
Tybee
4-16-25, 3:48pm
True. He is pretty screechy. But I couldn't look away from the train wreck.
Listening right now. I always like to see what they are earning and what they are spending--she has a great income and I can't believe she has 400k in debt but I haven't heard yet what it is. She just said her 23 year old daughter is spending her money at Target, that's as far as I have gotten.
catherine
4-16-25, 4:04pm
Listening right now. I always like to see what they are earning and what they are spending--she has a great income and I can't believe she has 400k in debt but I haven't heard yet what it is. She just said her 23 year old daughter is spending her money at Target, that's as far as I have gotten.

If you get bored, scroll to the end to see his advice. I wanted to see what kind of a plan he recommended.
ToomuchStuff
4-16-25, 11:58pm
He actually had one of Dave Ramsey's guys on there, and they debated one thing. I have never seen a full episode, but one short where the guy's whole retirement strategy was investing in startups, hoping one would hit big, while spending way more then he made.
iris lilies
4-17-25, 10:25am
I lasted < 20 seconds before his vocal affectations became too annoying.

yep, this guy shouldn’t put himself up in front of YouTube as a talker.

sorry Catherine, I just couldn’t listen, too unpolished.
Tybee
4-17-25, 10:49am
I'm working my way through it while grading--this is fascinating, to see the behaviors that led to the debt, and connecting them, and she's fifty. I see her doing some of the things I did--digging the rest of the family out of debt or problems, over functioning for the family. It's worth watching. I love her calm demeanor. I'd be sobbing.
catherine
4-17-25, 12:46pm
I'm working my way through it while grading--this is fascinating, to see the behaviors that led to the debt, and connecting them, and she's fifty. I see her doing some of the things I did--digging the rest of the family out of debt or problems, over functioning for the family. It's worth watching. I love her calm demeanor. I'd be sobbing.

I couldn't believe how she held it together.. so poised in the face of, frankly, ridicule and judgement. I guess that's one thing I don't like about this guy.. Even DR could tell someone they were "doing stupid" with a touch of empathy. I think this guy is too young for that perspective.

IL, he does have an unprofessional style, but I think that's the social media style of the young.