Sign-up for Rakuten and get a 10% Cash Back Boost -https://www.rakuten.com/r/CALEBH767

?The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

?1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching

?Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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?Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link

2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

3) Click this link https://j.moomoo.com/00Bn5Z to get a “Mag 7” fractional share bundle for deposits or 1.5% Cash Reward match ($300 max) on transfers.

5) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

6) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb

7) 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/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
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?Other channels:

1) Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney

3) Money Makes Cents: https://www.youtube.com/@centsmakesmoney/videos

3) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
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?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

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?My socials: https://linktr.ee/calebhammer

?Do you want to be in a Financial Audit? We film on weekdays in our studio located in Austin, Texas (in person only)! Fill out this brief survey if you are interested: http://calebhammer.com/apply
Any questions? Email casting@calebhammer.com
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Chapters:

00:00 Job and income
04:35 The cost of fun at 27
06:35 Rakuten
09:00 So you DO have a degree
15:17 Girl is on something
19:47 Please be joking’
26:19 She is honestly impressive
29:19 I called her DAD ????????
32:45 She’s “working on it”
38:00 This is ridiculous
44:40 How do you live like this?
50:24 This isn’t LIFE
52:37 Two new things for you!
53:15 Let’s see the truth!
55:20 You need a budget (Makes no money)
1:05:05 Hammer Financial Score

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?Sponsorship and business inquiries: business@calebhammer.com
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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.
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?*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: business@calebhammer.com

Resources I use/would use (with discounts/sign-up bonuses):

1) Investing: Start investing, or open a retirement account, and get a free $5 by using my link: https://share.acorns.com/calebhammercomposer

2) Checking & Savings: Get up to 4.30% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/calebhammer *affiliate link

3) Online security: Protect your online privacy and security NOW and for free by following my link: https://aura.com/hammer

4) Credit building debit card: The first 1000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb

5) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/calebhammer and use code HAMMER50 to get $50 off the full course.

6) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes: https://mintmobile.com/hammer

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My socials: https://linktr.ee/calebhammer

Do you want to be in a Financial Audit and you’re able to film in the Austin area? Email castingcalebhammer@gmail.com
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Chapters:

00:00 Job and income
04:28 Aura
07:12 You can’t AFFORD this!
09:35 Endless excuses
15:12 Spend Spend Spend
18:23 Are you serious?
21:43 Please stop…
25:02 What do you owe the BF?!
29:01 You need to budget!
32:03 Clean up this mess!
39:58 Hammer Financial Score

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Sponsorship and business inquiries: calebhammer@creatorsagency.co

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*Some of the links and other products that appear on this video are from companies 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: calebhammer@creatorsagency.co

We do a Forensic Audit on your credit cards, loans and store accounts to ascertain/determine if any fraud/reckless behaviour that might be the reason why you paying huge amount of interest on your accounts/debt.

After the qualification of our Audit we encourage our clients to enter into Debt Mediation to bring the ease of mind and create an opportunity for our consumers to go home with more money every month.