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
_______________________

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

Is Debt Review a scam?

In this video, I will be explaining the Debt Review process in detail, sectioning it into advantages and the disadvantages thereof.

The sim is to help you make an informed decision when considering Debt Review because ignorance of what it entails is not a leg to stand should you wish to end the process prematurely.

PLEASE NOTE: I am not a financial advisor! This is a general overview of Debt Review. Should you wish to inquire about your legibility for this process or any other financial advice, kindly contact a registered financial practitioner.

_____________

Connect with me:
E-mail: teffoshela@gmail.com

Please support this channel by hitting the LIKE & SUBSCRIBE button

@shelateffo

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South African Lawyer | South African YouTuber | Legal Content | National Credit Act

#lawyer #financialfreedom #financialeducation #financialplanning

Qualified Insolvency Counsellor Bethany Cann of Sands & Associates answers: “How are clients changed by financial counselling?”

To book a free, confidential consultation in an office near you, visit www.sands-trustee.com

On this episode:

Getting financial help in Australia is not the easiest task and for most people, talking openly to someone else about your finances is understandably a daunting process.Thankfully in Australia we have a fantastic solution to this, in our hard-working financial counsellors. They’re the people who can listen to your financial issues, propose solutions and even advocate on your behalf to banks and debt collectors.The role of a financial counsellor isn’t always very well understood, so in this episode, Owen & Kate interview financial counsellor, Nick Georgiou, to break down exactly what they do, how they can help you and where you can go to get in contact with them.

*This episode was recorded remotely due to COVID-19 restrictions, we apologise for any inconsistencies in audio quality.

Show notes: http://bit.ly/Financial-Counselling-Ep |

We’re proudly supported by ETF Securities

Learn more about ETF Securities: https://bit.ly/fundsETFS |

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser or financial adviser.

As a CERTIFIED FINANCIAL PLANNER™ and former financial advisor, I offer guidance to Elizabeth in this vid, whose situation is relatable to many others! I asked subscribers to send me their financial details if they wanted a review and it was so fun putting this together!

I was a single mom back when I was first getting my finances sorted out (about 10 years ago) and the process of doing so was life changing. I hope this video helps to set this subscriber and many of you up for a great financial future!

???? Chapters:
00:00 Intro
01:22 Email from Subscriber
04:53 Financial Workbook Intro
05:00 Debt repayment calculations
07:53 My recommendations to pay off debt
10:16 Investing growth after eliminating debt
11:33 Reviewing Investments
17:08 Term vs. Whole Life Insurance
20:41 Final Thoughts + My services

? Resources mentioned:

The Financial Workbook: https://startinvestingwithconfidence.moneywithmaggie.com/offers/JyTbXaWk/checkout

My services: https://bit.ly/financialguidanceservices

Target Date Fund Video: https://youtu.be/U9zxBaNEd7w?si=duxYXvR4fmKNJM4F

Investment growth calculator: https://smartasset.com/investing/investment-calculator

2nd investment growth calc (I used this because the first only goes 30 years out): https://www.calculator.net/investment-calculator.html

???? Watch my free Passive Income training: https://startinvestingwithconfidence.moneywithmaggie.com/passive-income

???? Grab my 4 Steps to Invest, Quick Start Guide: https://bit.ly/4stepstoinvest

???? Catch Daily Tips Instagram: https://www.instagram.com/moneywithmaggie
About draft: Lack of knowledge and confidence shouldn’t be the reason you’re not investing in the stock market

??Watch my Investment Help playlist here: https://youtube.com/playlist?list=PLxkXmnRlyF4i5cXskFfSrpG0pBVQrZNuo

Share this video: https://youtu.be/mKVcd7bNe48

Ready to take control of your finances and say goodbye to debt? ???? Join us in this empowering journey towards financial freedom!

In this game-changing video, we’re spilling the tea on how you can become debt-free in just 6 months. From practical budgeting tips to powerful money-saving hacks, we’ve got your back every step of the way.

???? What to Expect:

Proven Strategies: Discover actionable and realistic steps to tackle your debt head-on.
Budgeting Breakthroughs: Learn how to create a budget that works for you and accelerates your debt payoff.
Side-Hustle Secrets: Explore innovative ways to boost your income and fast-track your financial goals.
Success Stories: Be inspired by real-life stories of millennials who crushed their debt in record time.
Why Watch?
Say goodbye to sleepless nights worrying about bills and debt collectors! ?????? This video is your passport to financial liberation. We believe that every millennial woman deserves to live a life free from the shackles of debt, and we’re here to guide you on that journey.

Join the Community:
Connect with like-minded individuals in the comments section. Share your goals, progress, and tips to inspire and uplift each other. Let’s build a community that celebrates financial victories!

???? Don’t Miss Out!
Hit that subscribe button and turn on notifications so you never miss a future video packed with financial wisdom. Together, let’s make this year we break free from financial stress and reclaim our financial power! ????????

#FinancialFreedom #DebtFreeJourney #MillennialMoney

Seek help from expert debt mediators for your debt issues. Visit http://www.DebtRescue.com.au and let them assess your situation and acquire its perfect solution.

If you’re experiencing financial difficulties, a free service is available to help you get your life back on track. Confidential financial counselling is offered by a group of not-for-profit community service providers.

The goal of the Financial Counselling Network is to help people develop an actionable plan to address current financial difficulties and create an environment for sound financial decision-making. Your counsellor will work with you to identify options and develop strategies to assist you in making decisions to improve your financial situation. All member organisations are not-for-profit and our financial counsellors do not benefit from the support provided to you.

Read more: http://financialcounsellingnetwork.org.au

Do you have money worries related to #gambling?

95% of people felt more in control of their finances after working with Gambler’s Help.*

Find out more about our free & confidential financial counselling available in partnership with Latrobe Community Health Service: https://gamblershelp.com.au/get-help/find-support/#financial-counselling

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NEED HELP?
If you feel uneasy about your own or someone else’s gambling, you can find free and confidential support at https://gamblershelp.com.au

Hear the story of Ashley and Chantal, a married South African couple who overcame financial struggles through the power of debt counselling. In this video, we share their journey from relationship strain caused by finances to a harmonious and debt-free life.

#Debtcounselling #marriageadvice #relationshipstruggles #financialtransformation #debtmanagement #loveandfinance #debt-freejourney #relationshipcounselling #financialsuccess #overcomingdebt #couplegoals #counsellingimpact #debtrelief #buildingastrongermarriage #debtcounsellingbenefits #marriedinCOP #marriedincommunityofproperty