Confronting ‘Wannabe Dave Ramsey’ For Exploiting Poor People! | Caleb Hammer

The Iced Coffee Hour

Graham Stephan/Jack Selby

Entrepreneurship, Business

4.4 • 786 Ratings

🗓️ 15 March 2026

⏱️ 132 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

NetSuite: Download the Demystifying AI Guide for FREE at https://netsuite.com/iced Airbnb: Find a co-host at https://airbnb.com/host Upwork: Post your job free at http://upwork.com and connect with top talent to grow your business. ZocDoc: Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/ICED to find and instantly book a top-rated doctor today. Follow @CalebHammer Here! Download the Dollarwise App: https://bit.ly/46fiDYP 🚨𝗖𝗢𝗡𝗡𝗘𝗖𝗧 𝗪𝗜𝗧𝗛 𝗨𝗦🚨 𝗜𝗚: https://www.instagram.com/icedcoffeehour 𝗝𝗔𝗖𝗞: https://www.instagram.com/jlsselby 𝗚𝗥𝗔𝗛𝗔𝗠: https://www.instagram.com/gpstephan 𝗖𝗹𝗶𝗽𝘀 𝗖𝗵𝗮𝗻𝗻𝗲𝗹: ➡️ https://www.youtube.com/c/TheIcedCoffeeHourClips 𝗫.𝗰𝗼𝗺: ➡️ https://x.com/TheICHpodcast 𝗧𝗶𝗸𝗧𝗼𝗸: ➡️ https://www.tiktok.com/@theicedcoffeehour 𝗦𝗽𝗼𝘁𝗶𝗳𝘆: https://open.spotify.com/show/5c2uoXBQkOjIiCOf60jJj7 𝗔𝗽𝗽𝗹𝗲: https://podcasts.apple.com/us/podcast/the-iced-coffee-hour/id1515070058 For sponsorships or business inquiries reach out to: icedcoffeehourpartnerships@gmail.com Apply for The Index Membership: https://entertheindex.com/ For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:17 - Craziest story from the show 00:05:31 - Telling couples to break up 00:07:31 - Lawsuit threats 00:16:40 - Sponsor - NetSuite 00:18:06 - Predictors of financial success 00:23:08 - Common bad money habits 00:34:09 - Sponsor - Airbnb 00:35:22 - When should people stop feeling broke? 00:37:35 - Is Gen Z in trouble with AI? 00:51:40 - Why people still feel broke 00:52:32 - Financial takes viewers would hate 01:02:23 - Sponsor - Upwork 01:03:44 - Sponsor - Zocdoc 01:04:49 - #1 financial advice 01:06:59 - Are you too harsh on guests? 01:12:47 - Financial topics people avoid 01:17:06 - Best and worst part of the job 01:21:25 - Political backlash 01:26:37 - Business overhead 01:28:07 - Is financial success circumstantial? 01:31:19 - Who should pay on the first date? 01:33:10 - When couples should discuss finances 01:37:44 - Dating money red flags 01:40:21 - Caleb’s money mistakes 01:43:12 - Financing furniture 01:46:17 - DollarWise app drama 01:49:17 - Could he quit today? 01:50:12 - Revenue breakdown 01:54:30 - How much money is enough? 01:59:09 - Meeting his girlfriend 02:03:55 - Weight loss *Some of the links and other products that appear on this video are from companies which Graham Stephan & Jack Selby will earn an affiliate commission or referral bonus. Graham Stephan & Jack Selby are 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 podcastchoices.com/adchoices

Transcript

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0:37.5	OF. OF. OF. OF! OF! OF! OF! OF!
0:39.8	OF!
0:40.3	OF!
0:41.3	OF!
0:42.3	Yes!
0:45.3	Yes! What hits your account on a monthly basis?
0:45.3	My paycheck?
0:48.3	Yes!
0:49.3	When you tell people just to be responsible, they take that as like a threat.
0:50.3	Hey, don't get mad to me for standing up to myself.
0:53.3	What do you think of the criticism that sometimes you're too hard? Yes! When you tell people just to be responsible, they take that as like, I'm the wreck. Hey, don't get madame for staying at myself.
0:55.3	What do you think of the criticism that sometimes you're too harsh on the guests?
0:56.0	Stop being a p-and-take-sum-responsibility for the first time in your damn life.
0:59.3	Why the fuck are you guys here?
1:03.7	How often do you tell the guest you should break up?
1:06.6	There's a couple of people that they would be better off separate, for sure. Yeah, she didn't have debt before me, but she didn't have a degree either. Leave this person. Leave this person. I also didn't have collections before you. And you didn't have a job either. What would you say are the financial death sentences that people do? Cars are always a horrendous thing. Seriously, the car's not the best.
1:09.9	I doubt you're maintaining it because you probably don't even know where the oil goes.
1:28.3	And if someone were to look through your personal finances as an audit, what would they
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