Caleb Hammer, host of Financial Audit, exposes America's broken relationship with money: 60% of people live paycheck-to-paycheck despite the highest disposable income in history. Through raw, entertaining financial audits, he reveals why personal responsibility—not systemic excuses—is the only path out of debt, and why ignoring basic math destroys lives. Americans spend $1.6 trillion on car debt and $1 trillion+ on credit card debt, yet refuse to buy used cars or cook meals at home, prioritizing status symbols over financial security.