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Caleb Hammer’s Financial Audit show has built a following on one premise: confront people drowning in debt with the math they have been avoiding. His episode with a guest named Veronica delivered one of the bluntest verdicts he has ever rendered.
“You can’t be trusted to have debt. You don’t have the behavior for it. You’re not a credit card person,” Hammer told her after walking through her three maxed cards. His prescription was equally direct: “Close them. Take away the weapons that are harming you.”
If you recognize yourself in Veronica, the headline question has an answer. You are not beyond help. But the path forward requires accepting something most indebted borrowers…