Guest

Caleb Hammer

Caleb Hammer is a personal-finance YouTuber best known for Financial Audit, where he confronts guests about debt, spending, and budget denial.

Circuit updated July 7, 2026

Notable quotes

“mostly because of the information out there and the algorithms they find themselves in, they think everything's going to be so bad forever. Why not just spend the money? Why not just put it on a credit card?”
Caleb Hammer · Read the story
“Paying for CLA everything. It's a very Gen Z thing. Tap to pay. super easy to use those. They're at every checkout for any concert you go to, pretty much anything you want to do.”
Caleb Hammer · Read the story
“This is This is so American. We are so debt brainbroken.”
Caleb Hammer · Read the story
“You make money on negativity.”
Caleb Hammer · Read the story

All coverage

Money

Caleb Hammer says Gen Z is doom spending because algorithms make the future feel hopeless

The personal-finance YouTuber argues that young people are spending like the apocalypse is already on layaway, and he’s mostly right, with one big caveat.

Jul 7, 2026