Caleb Hammer
American YouTuber and host of the personal finance show Financial Audit
Caleb Hammer (American YouTuber and host of the personal finance show Financial Audit) has appeared as a guest on 1 episode in TMT. Topics they speak about most include Personal finance, Technological unemployment, Government fraud and waste.
In their words
Positions and remarks grouped by topic, each with the exact quote and where it was said.
Personal finance
Hammer says he kept his full-time job until his YouTube income could replace it consistently.
“I only allowed myself to go full-time on this thing once I proved I had enough income to replace it for a few months consistent”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:53:03
Hammer argues bankruptcy and debt consolidation only help if people first change the behavior that caused their debt.
“Bankruptcy doesn't make sense unless you actually change the behavior that got you there in the first place”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:37:35
Hammer recommends target-date retirement funds as a simple investment option for average Americans.
“But for the average American, there's these target date retirement funds”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 12:35
Hammer states that Americans hold about $1.6 trillion in credit card debt.
“We got $1.6 trillion in credit card debt in this country, by the way”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:11
Technological unemployment
Hammer attributes part of the gender wealth gap to women borrowing more for lower-return degrees that are also more exposed to AI.
“But women have gone and borrowed a lot more money. For degrees that provide a lot less return on investment like sociology, psychology, the arts”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:14:15
Hammer says nobody can predict AI's effect on jobs, though its arrival is certain.
“No one knows what's on the other side of the hill of AI. But we do know AI is coming”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:14:35
Government fraud and waste
Hammer argues the Pentagon should not receive increased funding until it passes an audit.
“We're going to raise defense spending to a trillion dollars a year, but it can't pass an audit?”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 50:30
Hammer says independent reports find California's billionaire tax would raise money short term but lose far more as wealth leaves.
“yes, it'll capture tens of billions quickly, but it'll lose hundreds of billions over the long term because the wealth that you tax on a yearly basis is just leaving”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 38:19
Student loans in the United States
Hammer argues that unlimited student lending lets colleges raise tuition in step with borrowing limits.
“Every time we raise how much you can borrow for school, schools conveniently raise how much it costs to go to school”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 2:11:42
Cryptocurrency
Hammer says only about 15% of day traders win, and pump-and-dump coins are worse.
“Day trading is even better, and that's still only 15% win”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 2:03:05
Emergency fund
Hammer advocates a six-month emergency fund as a basic financial priority.
“get a six-month emergency fund that protects you in case of layoffs or just losing money or a medical emergency”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:59:32
Other remarks
Hammer supports selective, high-skilled immigration to sustain the workforce amid low birth rates, while opposing open borders.
“But I'm a big proponent of selective, high skilled, good proportional immigration”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:29:20
Renting versus homeownership
Hammer argues that renting and investing in the stock market beats homeownership for most people.
“But the American dream isn't owning a home anymore. It's the freedom of renting because you can live wherever you want”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 1:11:36
Homelessness in Los Angeles
Hammer contrasts Houston's centralized city-run homelessness program, which he says reduced homelessness, with Los Angeles's nonprofit network.
“Instead of nonprofits, it's one central city-run organization, and they've actually decreased homelessness”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 51:41
Social Security (United States)
- Prediction · due Dec 2033
Hammer says Social Security's trust fund is projected to run dry in 2033, triggering benefit cuts.
“Social Security, 2033. That's when the funds dry. So payments get cut by”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 7:31
Predictions
1 pending
- Prediction · due Dec 2033
Hammer says Social Security's trust fund is projected to run dry in 2033, triggering benefit cuts.
“Social Security, 2033. That's when the funds dry. So payments get cut by”
The Joe Rogan Experience: #2509 - Caleb Hammer (Jun 4, 2026) · Listen from 7:31 · Social Security (United States)
Appearances
#2509 - Caleb HammerThe Joe Rogan Experience · Jun 4, 2026 · 2 h 21 min
Joe Rogan and finance YouTuber Caleb Hammer discuss American debt, personal responsibility, government waste, housing, AI and jobs, gender politics, and student loans.
Often appears with
- Joe Rogan · 1 shared episode