Caleb Hammer has the conversations that he wishes someone had with him a decade ago.

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Today we sit down with Ty. She's a 21-year-old based out of San Antonio Texas. She only brings in $16 a month more than she spends. She also has about $10,000 in student loan debt...
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Today we sit down with Teryca Brooks-Long. She has $250,000 in private student loan debt, a $15,000 car loan, a nearly maxed-out credit card, and the IRS is after her and her father.