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▶️ FOLLOW-UP EPISODE HERE: https://youtu.be/bbHy50JRoA0?feature=shared ◀️ ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My editors will edit your content into the best viral shorts you can find anywhere online https://calebhammer.com/shorts-editing/ ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme 2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 3) *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 4) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer 5) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 6) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer _______________________ ▶Our other channels: 1) Vlogs: https://www.youtube.com/@calebhammershow/videos 2) Hammer Productions mini-documentaries: https://www.youtube.com/@frontpagechannel/videos 3) Money Makes Cents: https://www.youtube.com/@dollarwiseeducation/videos _______________________ ▶Fun things: 1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer 2) Get your own Hammer Financial Score: https://www.calebhammer.com 3) Merch: The most fun website: https://shop.calebhammer.com _______________________ ▶My socials: https://linktr.ee/calebhammer ▶️Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply _______________________ Chapters 00:00 Job and income 04:41 Not looking good off the bat 09:55 Don’t play dumb on my show 15:03 Yeah think again! 18:57 Why can’t he get a job! 25:13 This spending is a tragedy 29:05 She cuts them up 34:45 Dang her family sucks 41:49 I need your whole family on 47:08 You have no clue what you’re doing! 52:15 They are MILKING YOU! 56:49 Where does it all go?! 1:04:30 Are you aware of this?! 1:05:15 You need a budget! 1:10:15 Here’s how you do this… 1:14:00 Hammer Financial Score _______________________ ▶Sponsorship and business inquiries: [email protected] _______________________ These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early. _______________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice. ▶Sponsorship and business inquiries: [email protected]

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