"33-Year-Old in Debt Woes Receives Tough Love Financial Advice"

Michael, a 33-year-old commission-based salesperson from Virginia, is struggling with $62,815 in debt and an unpaid tax bill. His erratic income from selling solar panel installations makes it difficult to manage his finances, especially with his habit of making large, unmemorable purchases. Financial YouTuber Caleb Hammer advised him to stabilize his income by creating a fund to supplement his earnings during slow months, set aside money for taxes, minimize spending, and follow a strict budget. With discipline, Hammer believes Michael can significantly reduce his debt within one-and-a-half to three years.