A man who racked up $35,000 of debt

and maxed out 8 credit cards asked finance YouTuber Caleb Hammer for help paying them off

A man racked up $35,000 in debt

with 8 maxed out credit cards.

He appeared on Caleb Hammer's YouTube show "

Financial Audit" to get some help.

A man who was struggling show

with his finances came onto Caleb Hammer's

"Financial Audit" for advice paying off $35,000 of debt

that included 8 maxed-out credit cards.

Hammer, 28, has built up a following of over 400,000 YouTube

subscribers by helping people figure out ways to get out of debt.

One was 27-year-old Johnny,

who lives in Jarrell, Texas, and didn't give his second name.

He told Hammer he worked in the natural gas industry,

and that his household's annual income,

which included his wife's salary,

was $120,000. After taxes they had an income of around $7,000 per month, he said.

Despite the good earnings,

Johnny's bank statement showed he started the month out with $-222 in his bank account, and ended with $-433.