HERO: Right now, Hero Bread is offering our audience 10% off their first order! Just go to https://hero.co/ICED and use our code ICED NETSUITE: Take advantage of NetSuite’s FREE KPI checklist: https://www.netsuite.com/ICED ORACLE: Free test drive of OCI at https://oracle.com/iced Caleb's Channel: https://www.youtube.com/@CalebHammer NEW: Join us at http://www.icedcoffeehour.club for premium content - Enjoy! Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w 0:00 - Intro 3:33 - Caleb's Experience with Boogie2988 After Appearing on His Show 12:24 - Can ANYONE ‘Make It’ financially in America 13:27 - The Impact of Mental Health & Trauma on Personal Finances 22:42 - The Guest that STILL Struggles w/ Finances After 4 Appearances 26:08 - The Surprising Benefits of Being in Debt 32:30 - The #1 Thing That Keeps People Poor in 2024 36:27 - Caleb's Candid Discussion About His Current Debt & Credit Card Usage 41:20 - Caleb's Step-by-Step Guide to Financial Freedom 44:25 - Is College Worth It in 2024? 46:31 - Confronting Caleb About Being Too Hard on Guests 52:42 - How FAST YouTube Growth & Hate Has Affected Caleb 1:09:28 - Asking Caleb “Do You Think You Listen to Your Own Advice?” 1:12:18 - Diving into The Fear of LOSING EVERYTHING 1:24:57 - Caleb Opens Up About His Anxieties 1:32:13 - Caleb Hammer Has a GIRLFRIEND?! 1:41:22 - Should Couples Share Their Money? 1:43:06 - Is Universal Basic Income a Good Idea? 1:45:47 - Closing Comments For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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