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Your Mom's House with Christina P. and Tom Segura

Creditmaxxing A Decade Of Debt w/ Caleb Hammer | Your Mom's House Ep. 866

Your Mom's House with Christina P. and Tom Segura

Tom Segura

Relationships, Comedy Interviews, Comedy, Society & Culture, Tv & Film

4.723.7K Ratings

🗓️ 1 July 2026

⏱️ 79 minutes

🧾️ Download transcript

Summary

Christina P is back touring! Check her out in Chicago September 18th and 19th. Get your tickets at https://christinap.com/pages/tour-dates SPONSORS: Look for Mountain Dew in stores near you at https://mountaindew.com. Go to https://quince.com/mom for free shipping and 365-day returns Sign up for your $1 per month trial and start selling today at https://shopify.com/ymh For simple, online access to personalized and affordable care for Hair Loss, Weight Loss, and more, visit https://Hims.com/YMH. Sup, chomos! This week, Caleb Hammer, host of Financial Audit joins the Mommy Dome to talk money, mayhem, and the chaos of his own show. Caleb grew up broke and clawed his way out of massive debt, all while interviewing some of the internet's most financially unhinged people on Financial Audit. The conversation covers the actual hard math behind why most Americans can't survive an $800 rent payment, the case for buying a house even when renting is cheaper, and how nearly 40 states now require a personal finance class in high school, which means "nobody told me" will officially stop working as an excuse. Caleb also breaks down the wildest things his guests have said on camera, including unprompted racism, casual tax evasion confessions, and one woman who's never filed a return in her life with zero consequences. They also run through Horrible or Hilarious clips, debate whether financial domination clients just need to "drop the N-word" more, and dive deep into Mike Fedele, the only tax man offering both IRS advice and detailed sexual positioning tips in the same breath. Caleb also opens up about a serious flying phobia that led him to charter a tiny private jet just to feel in control, and gets talked into a future helicopter ride by Tom. Enjoy! Your Mom’s House Ep. 866 https://tomsegura.com/tourhttps://christinap.com/https://store.ymhstudios.comhttps://www.reddit.com/r/yourmomshousepodcast Chapters 00:00:00 - Intro 00:01:26 - Delusions, Maxed Credit Cards, & Decades of Debt 00:05:14 - Building Financial Audit From Scratch 00:17:28 - Opening Clip: Hey Retard 00:18:53 - The "Blackie" Cruise Couple & Hard R Drops 00:27:35 - YMH Staff Financial Questions & Confessions 00:34:16 - 50/30/20 Budgeting, Diverse Portfolios, & Success Stories 00:41:37 - Mike The Tax Guy 00:46:37 - Cool Sales Pitches 00:47:58 - Horrible Or Hilarious 00:50:17 - General Advice & Fear Of Flying 00:56:26 - Clip: Leaky Rump 00:57:32 - Clip: Fancy Chef Wants To Meet The Mayor 00:59:11 - Austin Property Taxes & Niagara Falls 01:03:51 - More YMH Staff Confessions 01:08:41 - Food Stamps, Roommates & The Best Head Debate 01:15:51 - Closing Song - "Brass Tax" by The Onibaka Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

Welcome, welcome to your mom's house.

0:11.3

Get the new fix-and-fall tariff from British gas, where prices can only slide down.

0:18.0

If energy prices climb up, no worries. You'll be fixed for two years.

0:22.3

But if later the market falls, so will your tariff.

0:25.6

A win-win, sorted automatically by us.

0:28.8

Price cap, taken care of.

0:31.4

Fix your prices today.

0:33.2

Search British Gas Fix and Fall.

0:35.3

Tis and C's eligibility and limitations apply.

0:37.2

Price Review based on the off-gen price cap after 12 months. See Britishgas.co.com.U.K. slash verify for more. Welcome to the show. We're very excited that you are here. For those you that don't know, this guy puts out some of the most entertaining and informative content on the interwebs. Don't forget to get the Dollar Wise app. Watch Financial Audit and check

0:56.7

out Caleb Hammer on YouTube. It's Caleb Hammer. Let them hear it. Some of those fans.

1:02.1

Wow. Thanks, guys. That's so nice. It's crazy. I told you, I have been watching your stuff for years.

1:08.1

And I had the thought many times ago. I was like, oh, like, that'd be fun to do that show. And I was like, there's no fucking way I'm going on that show. And I never thought, this is how my brain works. Oh, I could invite you on this show. And then I see you on Rogue and I was like, oh, yeah, we could have you on our show. And I never did that. So I apologize. But I'm highly entertained by what you put out. Do you think I'd yell at you if you came on my show? No, you'd be like, what are you doing here? You're so well off. You make tons of money and what are you showing off? Yeah, this is a brag why do you have all these cars yeah um

1:45.1

no it's just like i love that you give it to the pores you straighten them you're always like

1:49.2

you fucking poor piece of shit i love it um you you you deal with absolutely here's the thing

1:57.5

i actually sometimes will be watching an episode of your show and be like, I can't watch this because of the anxiety I get by the lunatic you have on and how fucking like delusional they are.

2:13.2

But you know what? They're having more fun than us. I guess so. They're having more fun in life. They have no stresses. They should have more stresses. They should have no stresses. Because they're having more fun than us i guess so they're having more fun in life they have no stresses they should have more stresses they should because they're so checked out yeah no no

2:23.4

just like head is in the ground they're done they don't want to look do you how do people get on

2:28.6

the show they submit like they oh yeah everyone watches it just like you they watch it and they go

2:33.7

i want to be on so they think like you you. They watch it and they go, I want to be on. So they think like you did, but they actually apply. Then they go through the whole process and we figure out who has the worst finances. And then sometimes it feels like they're there and you're like, wait, dude, do you understand the show you're on? Because they're so fucking, like, checked out. Dude, this one blows my mind. They all watch the show. They know the first question. I ask what they do for a living and what they make. In 50% of them, I cannot get the answer. It's crazy. What they make. It takes me like five minutes sometimes. Yeah. So many times you'll be like, so what do you do? And the guy goes, like, let me think. Hold on. And you're like, what do you think? What do you do for a living, man?

3:11.2

It's crazy. He's like, um, well, last year, you're like, what about now, though? He's like, hold on a second. Let me see. What am I doing now? And you're like, what the fuck is wrong with you, man? I don't know. Those are the kind of people, I guess, going into the worst at.

3:23.9

Did you get into it because you, like were I don't know. Those are the kind of people, I guess, going into the worst that. Did you get into it because you, like, were you raised in a financially aware household?

...

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