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“This Keeps You POOR!” Caleb Hammer Reveals The WORST Money Traps To Avoid In 2025

The Iced Coffee Hour

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Timestamps :

00:00:00 - Intro
00:01:25 - Most upsetting guest
00:02:05 - Valid excuses for failure
00:04:35 - Worst money habits
00:08:22 - Common audit findings
00:08:32 - Why people stay broke
00:09:58 - Discipline vs small purchases
00:10:45 - When small purchases are OK
00:13:29 - Lessons on human nature
00:15:14 - Sponsor - RocketMoney
00:16:53 - Lack of responsibility
00:18:21 - Sympathizing with guests
00:19:24 - Breaking through with guests
00:20:32 - Items keeping people poor
00:22:39 - Accusations of exploitation
00:24:53 - Guest verification process
00:25:34 - Credit card usage mistakes
00:29:09 - Finance improvement tips
00:32:23 - Cash stuffing thoughts
00:32:47 - Are side hustles worth it?
00:34:38 - Tipping without servers
00:36:12 - Sponsor - ExpressPros
00:37:10 - Sponsor - Ramp
00:38:58 - Relating to show guests
00:41:47 - Hardest part of being broke
00:46:24 - Cost of pet insurance
00:49:39 - Your worst financial moment
00:57:54 - Caleb and relationships
01:01:27 - Sponsor - Bilt
01:02:31 - Sponsor - Shopify
01:03:46 - Life goals
01:09:49 - Asking people on dates
01:16:21 - Dating apps
01:18:40 - Finance in relationships
01:19:19 - Who spends more?
01:21:02 - Couple finance advice
01:24:05 - Victim mentality
01:26:45 - Thumbnail complaints
01:29:43 - Caleb's business growth
01:32:27 - Revenue streams
01:39:29 - Fear of dying poor
01:44:06 - Handling criticism
01:49:08 - Quitting YouTube

*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.

20 Comments

@teegee126 1 year ago

Graham is the kind of dude where no amount of money will ever be enough. There's no reason this dude should feel anxious about money at this point. Him acting like 300k/year is some lower class lifestyle and telling caleb to not pursue a family for another 5 years shows how absolutely out of touch he is. Bro needs help with money anxiety. It's good up until a point but it's clear it's hijacked his brain

@BrandonMirrors 1 year ago

You're looking for a wife, Caleb. Do not listen to Graham about trying to turn your dating experience into content

@TheSmokedance 1 year ago

Graham is such an interesting example of how no amount of money will make you happy if you're not happy

@harleymanifesto1907 1 year ago

These dudes keep telling caleb to get jacked like they arent string beans.

@gregroberts2424 1 year ago

This anti dating advice from Graham is TERRIBLE. Caleb just said he wants a family and you're telling him not to. It takes a long time to find quality partner. You need to start looking ASAP if you know you want it.

@Coffee_jelly_xoxo 1 year ago

I honestly felt so heartbroken when Graham was going on about all the money he could make and Caleb just says what’s the point? And he’s honestly right. What’s the point of having all this money and not being able to build a family?

@dave8694 1 year ago

Caleb, don’t listen to those two about kids. The biggest regret you’ll have in life is waiting too long to have kids. Five years is a long time.

@the1gofer 1 year ago

What an odd conversation….. “I want a family”…. “No you don’t”

@MeloFloww 6 months ago

Graham is the prime example of how just because you have money doesn’t mean you’re NOT lame.

@ArtDadDraws 1 year ago

Man, Graham really showing how out of touch he is with Caleb bringing up wanting to have a family.

@fc3nemo 1 year ago

really hate the peer pressure and weird pushy advice to make caleb lose weight and not have kids or a wife soon

@gibshredcamel 1 year ago

Everyone roasting these two bozos in the comments about their family “advice” is heartwarming.

@t6-30 1 year ago

Rubs me the wrong way that Graham is so against Caleb's dream to get married and have kids. Graham only has dollarsigns in his eyes, the thought of starting a family and risking your empire losing steam is holding Graham back from having anything to pass his wealth onto

@Bookgirlie3 1 year ago

Stop discouraging this man from finding his future wife 😭 As someone who met my SO when I was 25 and now has her dream career, life is so much better when you have someone to share it with. And he makes a great point about the biological clock.

As for the fitness, focus on health. Eat whole, single ingredient foods and exercise a few times a week. You can do it at home. You don’t need to have a six pack to be healthy. Rooting for you, Caleb! 💪

@greenflowersandbooks 1 year ago (edited)

Caleb has his shit together and does not need Graham's awful advice

@Imjoshkidding 1 year ago

Caleb. As someone who is 35 and has 4 kids, I hope you find a quality partner and have as many kids as you both want. Having a family to share all the success you are achieving is top tier.

@jasleehand6011 1 year ago

the no dating, 5 year thing is crazy. i think caleb is at a point where his business is big enough to manage and balance a relationship/personal life

@korviscapetrova5269 1 year ago

at 5:56 the videos overlapped, and it made me think I was tripping.

@user-lt1jd1ye3v 1 year ago

Advising Caleb to wait and marry a 27 year old when he’s 35 is the worst advice ever. Caleb should be looking for love now for who he genuinely finds along the way, not trying to artificially construct it with someone way younger when he’s 35. How ridiculous. Caleb, I totally feel you. As a 28 year old girl I feel the exact same way. I want a baby and a family too and I am trying to wait patiently for the right one. But I think grahams advice here is ridiculous. Be open to love now. Don’t wait till you’re 35 to be open