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

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: [e-mail] 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 podcastchoices.com/adchoices