Financial expert slams single mom for dropping $10,000 on releasing an album instead of paying off her car

A financial expert has thrown fierce criticism at a single mom who is drowning in debt after she complained about her $17,000 car payment - despite having no problem spending more than $10,000 to release an album. 

Caleb Hammer is a money expert who has made a career out of chatting with people who are struggling paying their bills on his podcast titled, Financial Audit With Caleb Hammer. 

Having previously torn into a 23-year-old who blew his money while partying, the YouTube creator has now turned his sights on a 40-year-old single mom who fell into a heap of debt while trying to forge a career as a singer. 

In a teaser clip for an episode that has yet to be released, the unnamed budding songstress and teacher revealed that although she was facing a variety of challenges when it came to money, she prioritized music and spent a whopping $10,000 to release an album.

The video was shared to TikTok and amassed more than 1.8 million views. 

Caleb Hammer has slammed a single mom who is drowning in debt - despite having no problem dropping over $10,000 to release an album

Having previously torn into a 23-year-old who blew his money while partying, the YouTuber creator has now turned his sights on a 40-year-old single mom

The unnamed 40-year-old first shared that she still lived with her mom. 

'You live with your mom at 40? Why?' Caleb asked. 

The mom replied: 'Because I can't afford it, what does it matter how old I am?' 

And while she wants to be more 'independent', the mom - who has a monthly income of $3,466 - revealed she doesn't have the funds to move out. 

'I like to spend, I like my Starbucks,' the single mom said. 

And the coffee giant isn't the only place that has been getting the mother's cash, she admitted that she had spent a big chunk of her funds on her singing career, which she was hoping would take off one day. 

While going through her finances, Caleb saw a $10,000 withdrawal, which left him with an eyebrow raised. 

'What's this $10,000?' Caleb questioned. 

And while she wants to be more 'independent', the mom revealed she didn't have the funds to move out 

'My music, I have a single. The album costs $10,000,' she said. 

The financial pro quipped: 'Shouldn't we get out of debt before we do that?' 

She tried to change the topic to the cost of her car, which was $17,000. 

However, Caleb wasn't through yet.  'How does $17,000 sound crazy when you just spent $10,000 on something that's probably not going to pay you money?' he said. 

The financial pro became even more fired up when the mom revealed she had no money saved in retirement. 

'That's f***ing your child,' he said. 

'I'm manifesting that it's (my music career's) going to be successful,' she said. 

The YouTube creator responded: 'That's not how f***ing life works.' 

People flooded the comments section and slammed the single mom for her attitude and lack of financial responsibility

'You are manifesting whether you like it or not. You can't do something without thinking it first,' the mom insisted. 

People flooded the comments section and slammed the single mom for her attitude and lack of financial responsibility. 

One person said: 'All she is doing is making excuses. Which is what got her in this position in the first place.'

Someone else added: 'Major red flag.'

Another user wrote: 'She should be really embarrassed.'

'She needed to hear this,' one viewer commented.