Sunday, August 3, 2025

Caleb Hammer, Financial Advisor

Most of the Caleb Hammer videos are "Membership Only". The one I have shown above is an Asmongold Clips reaction video where he dissects Hammer's guests.

Caleb Hammer is a cross between Dr Phil and Dave Ramsey. He is also much younger and more "hip" than they are. Based on his body language and the high percentage of LGBT+ guests who he hosts, there is a 95% chance that he is gay.

Not that being gay is an issue. Everybody needs help with finances and diet and if somebody who identifies as LGBT+ cannot hear it from somebody who is straight, then God bless Caleb Hammer for being somebody who can have those tough conversations with them.

Tangential to the work Hammer does, this video brings out the cult-like appeal the Disney theme parks and products hold for many LGBT+ people. The couple Hammer is counseling dropped $10k in a month and go to a Disney theme park once a month for an all-inclusive experience. Based on some LGBT+ people I have worked with, they are not unique.

...Disney’s theme parks do their best to use design and urban planning to distract from the problems of the real world. They’re hyper-engineered to create an environment that’s as pleasant as possible, altering and improving upon the horrible, boring reality of life outside their walls to be a little more palatable. Waterways are dyed to be a more appealing color, ugly things are painted in a shade that makes them hard to notice, and the parks’ Main Streets are still American “Main Streets” that have yet to be decimated by the opening of a Walmart. Because of local zoning restrictions that prevent building anything over a certain height within half a mile of Disneyland, you can't even see the outside world from within most of the park.     Source

Incidentally, Hammer HATES Doordash.

Many of Hammer's guests just want to argue with him over minor details. They want to quibble over pennies while dropping hundreds, sometimes thousands of dollars a month for convenience and status services.

At the 0:59 mark the blonde woman goes into a series of micro-eyerolls, a sign that she holds Hammer in contempt. Interesting that she goes to him for help but holds him in contempt. I doubt that his advice will help them if they choose to not act on it.

17 comments:

  1. Cannot relate. Woody

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    1. I am trying to go light on my editorializing. It is too easy to come across as "Judging".

      One can ignore reality but that does not mean that reality will ignore you. Debt is a tool that can be misused to delay the consequences of reality but it comes at a huge cost.

      Those are facts that most of my readers accepted a long time ago. Reality doesn't "bend". That means that we must use the gifts God gave us and to bend and find a place in reality where we can thrive, much like a flower bends to follow a shaft of sunlight.

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    2. The most eloquent way to put that, that I’ve heard, is “Reality is that which exists - despite your refusal to believe it…” I think it was the late Z-Man that came up with it? He might have stolen it from somebody else.

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  2. I see I have more “The Boomer Explained” poosts to read. When you’re done with those…maybe you can explain zoomers too? I vapour locked with the millennials and have largely given up on the younger fixtures of the emerging clown world…

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  3. “Gold is the money of kings, silver is the money of gentlemen, barter is the money of peasants – but debt is the money of slaves.”
    ― Norm Franz, Money & Wealth in the New Millennium: A Prophetic Guide to the New World Economic Order

    And all the programming we get 24-07 is how to go deeper into debt.

    BUY THIS and BE BEAUTIFUL or healthy or

    Odd that, eh? Like putting most Americans into techno serfdom (polite version of slaves) is a GOOD thing.

    US Dollar backed "StableCoin" anyone?

    Most only know a small part of this quote, profane but I think on target about this debt thing:

    They'll get it all from you sooner or later 'cause they own this f**kin' place. It's a big club and you ain't in it. You and I are not in the big club. By the way, it's the same big club they use to beat you over the head with all day long when they tell you what to believe. All day long beating you over the head with their media telling you what to believe, what to think and what to buy. The table is tilted, folks. The game is rigged and nobody seems to notice. Nobody seems to care. Good, honest, hard-working people: white collar, blue collar, it doesn't matter what color shirt you have on.

    George Carlin

    Invest in what is real and good. Your trusted friends, trusted family (we all have not trustworthy both as COVID showed) and Faith in God.

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    1. I really miss Saint Carlin. All those comedians from that era were miles above what we have today (though Mr. Chappell does have some good skits!), but George in particular had that old curmudgeon sense of humor and played it off so well during his shows.

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  4. I've met or talked to lots of people who who spend lots of money on cars, tattoos, fancy drinks, while complaining they can't afford rent/ travel/ medical care/ other life basics.

    They clearly don't understand finances, and they also don't understand starting where their parents started; they want to start where their parents are now.
    Many of these are the same people who complain that housing is too expensive but insist on living in a trendy expensive area and don't qualify for a well paying job.
    I've offered some people locations where they can get paid better and where housing is cheaper - they universally turn it down because it doesn't have everything they want (note want, not need).
    Jonathan
    P.S. Disney parks long ago moved their focus from children to adults without children to justify higher prices and supporting their agenda.

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    1. I too have noticed for nigh 20 years now, there does seem to be this supposition that people expect to start at the top, because... reasons. Maybe their college, or the silver spoon they were born with, or their parents just convinced them they actually were snowflakes. Regardless, the notion of THEM starting at the bottom and working their way up? Pshaw!

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    2. Disney parks have always focused on bringing in adults, just listen to Walt's walk thru segments where he talks about nostalgia and creating a version of 1900s Main Street as the entry to Disneyland. About the only nod to children was the absence of any public restaurants who served alcohol in the park. The private club was and is very private. Rides are almost all for adults, I think Fantasy Land is the only place there were child-only rides.

      My parents took us there in 1969 when they still did ticket books (one E-ticket per book) then my employer offered annual passes as a benefit so my wife and I would do the free parking in Downtown Disney and spend a few hours in the park in the evening and come home. We lived about 10 miles due south so total out of pocket was a few dollars in gas money. Not the $1,000/day extravaganza discussed in the video.

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  5. Unfortunately lots of people go to counseling expecting to have their actions reinforced. They become quite annoyed when they get advice they don't want to hear.
    When someone starts with " I feel... I usually stop them with, That's great but what do you know?
    I'll have to agree it starts with the parents. Too many things given and not worked for.

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  6. ERJ - It strikes me that there is a combination of despair of having what people see their parents having as a lifestyle, a sense of deserving the good things in life (without the underpinnings that make things possible), and a sense that someone will take care of "things" when they go wrong that has got us here.

    It is probably a boomer thing to say (although I gather I am technically Gen X) that we have not lived through a generationally scarring economic event. While The Plague era was terrible, it was also cushioned by active government involvement. One would have to go back almost 20 years or even 30 to find that sort of thing, and I assume for much of this age bracket their experiences of that were largely cushioned by the fact that they were young and so their parents absorbed the brunt of if.

    To your point, good on Mr. Hammer for trying to do what he can.

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  7. I have found it especially true of liberal women... but in general, these types of people do not actually want advice. They want to hear their previously held beliefs reinforced and supported by your voice. Any dissent from their existing opinion is immediately dismissed, and the rest of the conversation is simply wasted oxygen. I don't engage people anymore. I wait and let them engage me.

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  9. Cooking? Cooking is Trad Wife territory and they want no part of it.

    They expect to live like the nobles in Upstairs/Downstairs or Downton Abby so they have the 'Staff' aka DoorDash deliver the food. Spending $35 to get a Chipotle burrito delivered is nothing but conspicuous consumption, same as the $11 daily cup of sugared caffeine from Starbucks....

    Those two CAN afford to pay off their student loans but since they aren't suffering any real penalties they don't bother.

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  10. Did not mean to tic you off Joe. I was a young man in the 60s. The military was of another idea on alternative lifestyles. I guess i picked up on that. Woody

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    1. I am not ticked-off. Your comment made me think, to the eternal surprise of Mrs ERJ.

      Conversation among intelligent people shapes and guides the refinement of ideas.

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  11. They really have taken 'keeping up with the Jones' to a new level, and one they cannot sustain, even when it's pointed out to them.

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