#0082 - Caleb Hammer: Personal Responsibility vs Systemic Issues

Michael Marshall and Cecil Cicirello break down Joe's June 2026 interview with Caleb Hammer of the Financial Audit YouTube channel.

Topics include: Caleb’s show; how debt is a problem for a lot of young people; how much they hates state sponsored trans care; how California is wasteful; that Gavin Newsom is bad; if you invested money in the stock market as a boomer you’d be rich; how great a George Santos Podcast would be; how colleges are ideologically captured by the left; how crime is the fault of George Soros and his political donations to District Attorneys; the rise of socialism's popularity on social media; how young people have no personal responsibility anymore; how we don’t actually educate kids in real skills; how college doesn’t prepare you for anything; why we shouldn’t blame our failures on Jeff Bezos; how crypto is cool; and where you can find Caleb’s app.

Main
How Much to Budget Per Month for Eating Out - Ramsey - https://www.ramseysolutions.com/budgeting/average-eating-out-cost
2024 Survey Reveals Evolution of American Dining Out Habits - https://www.usfoods.com/tools-tips-and-ideas/articles-and-publications/articles/american-dining-out-habits-2024
2024 Consumer Dining Trends: How Americans Are Spending on Restaurants and Takeout - Escoffier - https://www.escoffier.edu/blog/world-food-drink/consumer-dining-trend-statistics/
Dave Ramsey announces his endorsement for president, delivers message for those who try to cancel him | Fox Business - https://www.foxbusiness.com/politics/dave-ramsey-announces-endorsement-president-delivers-message-cancel-him
Medical Bankruptcy: Still Common Despite the Affordable Care Act - PMC - https://pmc.ncbi.nlm.nih.gov/articles/PMC6366487/

Undercard
Young Americans Like Socialism Too Much—That’s a Problem Libertarians Must Fix | Cato at Liberty Blog - https://www.cato.org/blog/young-americans-socialism-too-much-thats-problem-libertarians-must-fix
Political conservatism as motivated social cognition - https://psycnet.apa.org/doiLanding?doi=10.1037/0033-2909.129.3.339

Clips used under fair use from JRE show #2509

Listen to our other shows:
Cecil - Cognitive Dissonance and Citation Needed
Marsh - Skeptics with a K and The Skeptic Podcast

Intro Credit - AlexGrohl:
https://www.patreon.com/alexgrohlmusic

Outro Credit - Soulful Jam Tracks: https://www.youtube.com/@soulfuljamtracks