Caleb Hammer learned about money the hard way. The host of the hit YouTube show "Financial Audit," who regularly chews out his guests for getting into extreme debt, grew up poor in Portage, Michigan, to young parents working low-wage jobs. "I could never do the nice things other kids could," Hammer told Business Insider. "When I was in high school, they were paying off debt." Once in college, Hammer began to worry he was going down the same path. He said he'd racked up $120,000 in debt at one