Caleb Hammer
Caleb Hammer is an American personal-finance creator, educator, and host of the YouTube show and podcast Financial Audit, where he reviews guests’ spending, debt, and budgeting habits and promotes practical financial accountability through Hammer Media.
Higher Income Can Make Debt Problems Worse, Not Better
Caleb Hammer argues that many financial crises attributed to low earnings are really failures of spending control, especially among higher earners. In a conversation with Chris Williamson, Hammer says inflation hurts broadly, but lifestyle inflation often does the personal damage: raises become larger obligations, and bigger incomes make it easier to qualify for debt, justify purchases and postpone discipline.
Gen Z’s Debt Habits Reflect Pessimism and Frictionless Credit
Caleb Hammer argues that Gen Z’s debt problem is not simply a failure of financial education, but a loop between pessimism, media consumption and frictionless credit. In a conversation with Chris Williamson, Hammer says bleak economic narratives can make spending now feel rational, while buy-now-pay-later tools and normalized consumer debt turn that mood into monthly obligations that make young borrowers’ futures harder.