The Iced Coffee Hour

• “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: [email protected] 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 megaphone.fm/adchoices

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  2:01:08
• “Your Diet Is Trash!” The Secret To Losing Fat, Building Muscle, & Living Forever | Dr.Mike Israetel

  NetSuite: Download the CFO’s Guide to AI and Machine Learning at https://www.netsuite.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 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! 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: [email protected] For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps : 00:00:00 - Intro 00:01:33 - What’s harder: 6-pack or getting rich? 00:04:04 - First fast food experience in Soviet Union 00:07:47 - Complaints about life being hard 00:10:18 - How diet affects mental health 00:11:50 - Sponsor - Netsuite 00:13:01 - How often do you cheat on diet? 00:14:08 - Interest in health and fitness 00:16:41- Taking fitness to a competitive level 00:20:09 - Lifting heavier vs. feeling stronger 00:25:44 - Does being swole help with dating? 00:26:48 - Why women like the dad bod 00:33:12 - Sponsor - Express Pros 00:34:08 - USA obesity issues 00:48:48 - Why are some food additives banned abroad? 00:50:13 - Thoughts on artificial sweeteners 00:57:09 - Does obesity issue need to be solved? 00:58:22 - Animal-based diets 01:00:37 - Too many opinions on diets 01:02:21 - Sponsor - Ramp 01:03:28 - Sponsor - Shopify 01:04:53 - Is the paleo diet unhealthy? 01:15:20 - Factors contributing to obesity 01:19:08 - Is stress beneficial for you? 01:21:36 - Thoughts on Brian Johnson 01:29:42 - Expectations for anti-aging 01:33:34 - Speculating on AI and robots 01:41:26 - Robot companions 01:45:58 - Argument against robot relationships 01:49:13 - Consciousness transfers by 2030? 01:52:39 - Bitcoin discussion 01:54:02 - Personal earnings pie chart 01:56:25 - How financial success changed your life *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 megaphone.fm/adchoices

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  2:18:52
• WTF Happened To California?! | Newsom Failures, Insurance Cancellations, & Water Shortages

  SelectQuote: Get the RIGHT life insurance for YOU, for LESS, at https://selectquote.com/ich ZocDoc: Go to https://www.zocdoc.com/ICED and download the Zocdoc App for FREE Ramp: Now get $250 when you join Ramp at https://ramp.com/ich MagicMind: Get 45% off the Magic Mind bundle with with my link: https://www.magicmind.com/ichjan DONATIONS: We've found this to be a comprehensive list of all resources you can donate to: https://la2050.org/blog/la-wildfires-volunteer-and-support-guide Subscribe To  @MeetKevin  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: [email protected] For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 0:00:00 - Intro 00:03:15 - Is California a good place to live? 00:05:15 - Political fallout of wildfires 00:13:22 - Why are the wildfires so politicized? 00:17:04 - Wildfires: natural or man-made? 00:20:36 - Controlled burns in CA 00:23:51 - Sponsor - Select Quote 00:25:09 - Sponsor - ZocDoc 00:27:10 - Evacuation notices in LA 00:29:29 - Wildfire risks in Palisades 00:34:59 - Insurance and wildfire impact 00:36:01 - Dealing with being underinsurance 00:40:53 - Misconceptions about victims 00:41:40 - Rebuilding after wildfires 00:44:38 - Landlords profiting from fires 00:45:49 - Sponsor - Ramp 00:46:49 - Will property values crash? 00:48:44 - Why insurers avoid fire zones 00:50:11 - No insurance? What happens 00:51:56 - Insurance companies struggling 00:56:59 - Water shortages in CA 00:59:41 - Removing fire hydrants? 01:03:48 - Third Street Promenade 01:06:27 - What holds CA back? 01:09:30 - Running for governor challenges 01:11:21 - Delta Smelt 01:13:14 - Graham’s Delta Smelt story 01:18:10 - Fishing laws and environment 01:20:03 - Jack’s bad luck 01:22:17 - Kevin quits drinking 01:24:43 - Why quit drinking? 01:27:22 - Why Rick Caruso lost 01:28:54 - Wildfire conspiracy theories 01:30:00 - Pacific Palisades future 01:31:39 - Clearing brush in fire zones 01:32:58 - Housing solutions in CA 01:33:55 - Rent control debate 01:35:11 - Wildlife crossings 01:39:33 - Dealing with lobbyists *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 megaphone.fm/adchoices

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  1:49:23
• “Car Values Are Plummeting!” Doug Demuro Exposes MASSIVE Price Cuts, Deals, & Ripoffs in 2025

  Oracle: Cut your cloud bill in half—switch to OCI today https://oracle.com/iced Ramp: Now get $250 when you join Ramp at https://ramp.com/ich Range Rover Sport: Start designing your Range Rover Sport today at https://www.LandRoverUSA.com Subscribe to  @DougDeMuro  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: [email protected] For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:03:46 - Car market changes over last 3 years? 00:05:53 - Future car market predictions 00:12:34 - Sponsor - Oracle 00:13:43 - What happens when EV incentives end? 00:15:57 - On government EV incentives 00:20:22 - Dougs car collection 00:25:14 - Cars currently in demand 00:28:58 - Cars that have lost their appeal 00:33:21 - Sponsor - Ramp 00:34:26 - Best car for the average person 00:35:48 - Low-maintenance cars 00:37:18 - Why no EV convertibles? 00:40:48 - Best time to buy a luxury car 00:43:47 - Why no manuals anymore? 00:46:34 - Must-have car features 00:53:18 - Best tech in cars 00:57:24 - Why self-driving tech is problematic 00:58:44 - How to make money with cars 01:01:25 - Sponsor - Range Rover 01:02:25 - Cars as investments 01:05:19 - Best investment vehicles 01:19:02 - Financing insights from Cars and Bids 01:29:26 - Doug’s overhead costs 01:33:19 - Car owner stereotypes 01:36:26 - Experience as CEO of Cars & Bids 01:40:08 - How C&B has changed since partnership 01:45:17 - Does Cars & Bids reject listings? 01:50:55 - Running a business with kids 01:52:11 - Balancing business and family 02:01:02 - Biggest insecurity 02:08:09 - Doug’s favorite books 02:09:13 - Doug’s interests outside of cars 02:11:05 - Favorite travel destinations *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 megaphone.fm/adchoices

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  2:27:19
• “The Government Is Lying!” - Why America Has Gone INSANE | Nick Freitas

  Gusto: Try 3 months free at https://gusto.com/iced Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich NetSuite: Take advantage of NetSuite’s Flexible Financing Program: https://www.netsuite.com/ICED Subscribe to  @Nickjfreitas  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: [email protected] For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00 - Intro 00:01:15 - Problems with young men today 00:10:05 - Sponsor - Gusto 00:11:26 - Becoming a strong man or woman 00:15:50 - Actions to improve as you age 00:21:30 - What to do if you lack motivation 00:26:23 - Role models for kids today 00:28:36 - Sponsor - Shopify 00:31:22 - Modern dating 00:35:37 - Graham’s marriage story 00:38:21 - Is dating harder today? 00:44:05 - Intellectual compatibility 00:46:32 - Women supporting men financially 00:48:46 - Red flags in dating 00:51:45 - When masculinity becomes toxic 00:52:51 - How people gain confidence 00:57:51 - Sponsor - Netsuite 00:59:03 - Who runs the country? 01:07:05 - Importance of the president 01:11:55 - Wasteful government spending 01:14:49 - Why do people root for failure? 01:16:10 - National debt problems 01:19:40 - Thoughts on Bitcoin 01:29:49 - Flat tax? 01:30:43 - Should voting require a test? 01:35:34 - Who really runs the government? 01:48:58 - Are kids reading books? 02:01:33 - Best potential president *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 megaphone.fm/adchoices

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  2:10:35

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