Financial Audit · Personal Finance · Online Education · YouTube · United States
American YouTuber and host of Financial Audit, a personal finance show filmed in Austin, Texas. He sells the Master Your Money membership and four self-paced money courses at $197 each.
Caleb Joshua Hammer is an American YouTuber best known as the host of Financial Audit, a show launched in 2022 in which he reviews guests' bank statements, debts and spending habits on camera. According to Wikipedia, he was born on February 14, 1995, in Kalamazoo, Michigan, studied music composition at Western Michigan University and left before finishing once his channel gained traction. The show is filmed on weekdays in a studio in Austin, Texas. His website's footer names Hammer Media as the company behind it.
Financial Audit is published on YouTube, where the @CalebHammer channel showed 3.74 million subscribers when read on September 14, 2026, and as a podcast on Apple Podcasts and Spotify. His TikTok account @calebhammercomposer, linked from his website, showed 4.4 million followers on the same date. Deadline reported in November 2025 that he had signed with the talent agency CAA, and Bloomberg profiled the show in a newsletter piece on December 11, 2025. In October 2025, Michigan Governor Gretchen Whitmer appeared as a guest on the show.
His paid education is sold through calebhammer.com. The Master Your Money membership bundles seven courses (Financial Fundamentals, Master Your Budget, Master Your Debt, Master Your Investing, Master Your Real Estate, Master Your Income and a Recession Survival Guide), the DollarWise budgeting app, a private community and monthly challenges; its sales page lists $49.99 per month or $399.99 per year, with promotional discounts shown at different times. The four core courses are also sold individually for $197 each in his online shop, or together as the Education Bundle for $667, which the sales page describes as more than 200 lessons with lifetime access and a 30-day money-back guarantee. Separately, Hammer Elite is a paid subscription ($9.99 per month or $99.99 per year) for extra and uncensored episodes and a Discord community; it is entertainment content rather than a course.
His sales pages claim more than 10,000 students, a 4.9-star rating and average first-year savings above $10,000; no independent source for those figures was found. The pages also state that the content is for educational purposes only and is not legal, tax or investment advice. A FINRA BrokerCheck search for "Caleb Hammer" on September 14, 2026 returned no registered individual under his name, so there is no record of him being a registered broker or investment adviser there. No FTC or state attorney general action under his name was found in a web search on the same date. Critical allegations about the show have circulated in videos by other YouTubers, but no press coverage or court ruling documenting them was located, so they are not summarized here.
Objective facts about their offer, taken from public sources. We don't rate the quality of the programs or the results you may get.
7 official channels
Massive audience
Facts checked on Sep 15, 2026.
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| Program | Type | Published price | Link |
|---|---|---|---|
| Master Your Money Monthly or annual membership with seven self-paced courses (Financial Fundamentals, Budget, Debt, Investing, Real Estate, Income, Recession Survival Guide), the DollarWise budgeting app, a private community and monthly challenges. $49.99 per month or $399.99 per year per the sales page. | Community | $50 Checked Sep 15, 2026 | View |
| Education Bundle The four Master Your courses (Budget, Debt, Investing, Real Estate) with more than 200 lessons, worksheets and calculators, lifetime access and a 30-day money-back guarantee. Listed at $667 (regular $788). | Course | $667 Checked Sep 15, 2026 | View |
| Master Your Budget Self-paced course on building and keeping a budget. | Course | $197 Checked Sep 15, 2026 | View |
| Master Your Debt Self-paced course on paying off debt. | Course | $197 Checked Sep 15, 2026 | View |
| Master Your Investing Self-paced introductory course on investing. | Course | $197 Checked Sep 15, 2026 | View |
| Master Your Real Estate Self-paced course on buying real estate. | Course | $197 Checked Sep 15, 2026 | View |
Prices are those published by the mentor on the date checked and may change. “Not published” means we couldn't find a public price.
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Caleb Hammer (born February 14, 1995, in Kalamazoo, Michigan) is the host of the YouTube show and podcast Financial Audit, filmed in Austin, Texas, where he reviews guests' finances on camera. He studied music composition at Western Michigan University and did not finish the degree.
On his official shop, Master Your Budget, Master Your Debt, Master Your Investing and Master Your Real Estate cost $197 each, and the four together (Education Bundle) cost $667. The Master Your Money membership, which adds three more courses, an app and a community, is listed at $49.99 per month or $399.99 per year, with frequent promotional discounts (prices checked September 14, 2026).
It is Caleb Hammer's subscription program: seven self-paced courses on budgeting, debt, investing, real estate, income and recessions, plus the DollarWise budgeting app, a private community, weekly content and monthly challenges.
A FINRA BrokerCheck search for his name on September 14, 2026 returned no registered individual. His own course pages state that the material is educational and not investment, legal or tax advice.
What can be verified: his show has been covered by Deadline (CAA signing, November 2025) and Bloomberg (December 2025), his courses have public prices and a stated 30-day money-back guarantee on the bundle, and no FTC or state attorney general action under his name was found on September 14, 2026. His student numbers and savings results come from his own sales pages and have no independent source.
Hammer Elite is a separate paid subscription from his YouTube channel memberships, priced at $9.99 per month or $99.99 per year, that gives access to extra shows, uncensored Financial Audit episodes, an app and a Discord community.
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