RocketMoney: Cancel your unwanted subscriptions today at https://RocketMoney.com/iced

ExpressPros: Get the hiring support you need at https://ExpressPros.com

Ramp: Now get $250 when you join Ramp at https://ramp.com/ich

Bilt: Start earning Points for the rent you’re ALREADY paying at https://joinbilt.com/icedcoffee

Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich

NEW: Join us at http://www.icedcoffeehour.club for premium content - Enjoy!

Follow and Subscribe to  @CalebHammer  Caleb Hammer Here!

Add us on Instagram:

https://www.instagram.com/jlsselby

https://www.instagram.com/gpstephan

Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w

For sponsorships or business inquiries reach out to: tmatsradio@gmail.com

For Podcast Inquiries, please DM @icedcoffeehour on Instagram!

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.

Learn more about your ad choices. Visit megaphone.fm/adchoices