??? Download my budgeting app today: https://calebhammer.com/app – don’t overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out 🙂
? Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
?EDUCATION: Bundle is 33% off and all courses are 20% off through March 3rd!
1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/
2) The best budgeting program online: https://calebhammer.com/budget
3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing
4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula
5) Get your own free Hammer Financial Score: https://www.calebhammer.com
_______________________
?RESOURCES
1) Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay
2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. (“MFI”) or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer’s own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer’s services.
Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply
3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb
4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer
5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)
6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!
7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan 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
9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/
10) Build you own stan store: https://www.stan.store/?ref=CalebHammer
_______________________
?OTHER CHANNELS:
1) Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney
2) Financial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
_______________________
Chapters:
00:00
_______________________
?EXTRA
1) My website: https://calebhammer.com
2) My socials: https://stan.store/calebhammer
3) 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
Any questions? Email casting@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.
_______________________
?*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
Nose ring theory checks out.
Avalanche IMHO
They won’t lower it if you’re over the limit ????????????
What are her montyhly payments 6$ ?
Most people have debt what’s the problem?
First red flag, trashy tattoos
I didn't get my first credit card until I was about 35. Before that, if I couldn't pay for something, I didn't buy it.
Nose rings are a big clue
Woman challenge: try to take accountability without using doublespeak(impossible)
As soon as I find out a woman in that kind of debt, I dump her immediately.
26years for 10k! And i am suffering for paying 20k in 2 years????
The snowball whatever ???? GIRL! She looks like a bad decision. People are so dumb.
debt snowball (paying off smallest amount first no matter the interest rate) is for the mentally weak. Debt avalanche (highest interest rate) makes more sense
Snowball method works. Pay off lowest BALANCE first. I paid off over $20k this way. It’s not stupid, it has worked for the many people that actually take it seriously.
His shrieking voice is horrid and he's not that good, just got lucky with his format. I watched 5 minutes of one of shows and it was most insufferable 5 minutes. Even in interviews he's depressing
Dump her fast??
Not kidding??
She doesn’t have a clue now, she will never get a clue ????
Trust what I said ?
I'd leave her…..I'd say I was going to buy new shoestrings and never come back.
It might be cheaper to get a different girlfriend.
Well, I'm glad they got some solid advice, but, gods, that's about how many years too late….
Anyone know her OF?!
What a fahag????????
He needs to walk a way from that!
"I've done nothing and nothing I do works, HELP ME!"
I love the snowball method. It’s so motivating and the dopamine rushes when you pay off those small balances . It motivates you to pay off your highest. That’s how I pushed myself.