?Okay… I need to call the husband and get them to confront the truth. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

??Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don’t overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*

??? *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5

???Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay

? Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

___________________________________________
?EDUCATION: *FINANAL LOW PRICE CHANCE*

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6. Get your own free Hammer Financial Score: https://www.calebhammer.com

___________________________________________
?RESOURCES

1. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

2. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

3. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!!

Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky.

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

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7. Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

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11. Build you own stan store: https://www.stan.store/?ref=CalebHammer

___________________________________________
?OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups

___________________________________________
Chapters:

00:00 Intro

___________________________________________
?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
___________________________________________

?*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

Financial education

???? They call it “aid”—but it’s a TRAP! Foreign powers are looting Africa’s gold, oil, and minerals through predatory “resource-for-infrastructure” deals. This is how we BREAK FREE from debt colonialism and reclaim our wealth!

???? In This Video:
? The Hidden Contract Clause – How loans backed by your country’s resources turn sovereignty into modern-day slavery.
? China vs. West – Why BOTH are guilty of “debt trap diplomacy” in Africa.
? Ghana’s Fightback – How one nation renegotiated a toxic bauxite deal (and how YOUR country can too).
? The African Union’s Secret Weapon – The Debt Review Board that could nullify unfair loans.
? What YOU Can Do – Petition leaders, expose corrupt deals, and protect your nation’s future.

?? WARNING: Foreign powers don’t want you to share this. LIKE & SHARE before it’s buried!
Strategy

???? Join the Movement:
???? LIKE if you demand AFRICAN RESOURCES FOR AFRICANS!
???? COMMENT your country below – we’ll expose its worst debt trap!
???? SUBSCRIBE for uncensored investigations into neocolonialism.

???? Hashtags:
#DebtTrapExposed #ResourceJustice #CancelAfricanDebt #StopTheLoot #EconomicLiberation

?? NOTE: This is not anti-development—it’s about fair deals that don’t mortgage our grandchildren’s future!

#TheAfricaWeDeserve ?????????

A small group of Australian negotiators who possess the rare skill of waiving debts for members of the consumer and business communities, this clip touches on how they do this. If you feel you need your debts waived, reach out to us at www.creditmediation.com.au

Take your personal data back with Incogni! Use code NEWMONEY at the link below and get 60% off an annual plan: https://incogni.com/newmoney

The US national debt has skyrocketed to a staggering $36.22 trillion, raising concerns about potential bankruptcy. The focus on this issue has intensified due to the alarming rise in interest payments, which have surged to an estimated $1.13 trillion for the fiscal year 2024. In this video, let’s uncover the problems the US economy faces, and whether they can stop a default.

? ? IN PARTNERSHIP WITH STAKE ? ?
????Get $10 FREE credit and a FREE U.S. stock, use code NewMoney: https://on.hellostake.com/newmoney
Stake Rewards T&Cs apply: https://hellostake.com/au/legal/stake-aus-rewards-terms-conditions

? ? LEARN TO INVEST ? ?
Get started investing on the right foot with our step-by-step investing courses:
https://newmoney.education/

? ? CONTENTS ? ?
0:00 The US Debt Problem
6:20 Will the US Default?
8:20 The Statistic to Watch
12:00 Trump’s Dangerous Policies

My Podcast: https://www.youtube.com/c/TheYoungInvestorsPodcast

Brandon van der Kolk is authorised to provide general financial product advice in Australia and is an Authorised Representative (Number 1305795) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice is general & does not consider your financial situation, needs or objectives so consider whether it’s appropriate for you. Read Brandon’s Financial Services Guide available from https://guideway.com.au/NewMoney.pdf. Past performance is not a reliable indicator of future investment returns.

Contact email: hello@newmoney.contact
Note: I do not have the ability to answer all emails, but know that each email is read. If enquiring about sponsorship, New Money is currently only seeking sponsorship from established brands.

Book me for a consultation copy link and paste on internet browser

https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you

In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.

?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.

???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.

I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.

???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.

???? Dealers are:

Packing loans with hidden fees and useless add-ons

Overpricing used cars way above value

Fudging income and employment to push approvals through

Exploiting first-time buyers with markups and bait-and-switch tactics

And then influencers blame the buyer for defaulting?! That’s not the whole truth.

???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car

???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.

???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.

???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.

???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.

#creditrepair #credit #automobile #auto #autoloans #luckylopez

Botswana’s economy is on the brink.
In 2025, the diamond industry is collapsing, public debt is near its legal ceiling, and growth has flatlined. In this deep dive, SnapFlash unpacks the latest Econsult Economic Review, revealing shocking figures:

???? Mining down 24.1%
???? Budget deficit at P24.7 billion
???? De Beers’ sales down 44%
???? U.S. tariffs hit diamonds hard
???? Government savings nearly depleted

Botswana’s Economic Crisis 2025: Diamonds Fall, Debt Soars, and Reform Urgently Needed

Will urgent reforms come in time to prevent an economic meltdown? And can Botswana reduce its over-reliance on diamonds before it’s too late?

?? Watch now for a clear, compelling breakdown of the numbers, the risks, and what comes next.

#BotswanaEconomy #SnapFlashNews #DiamondCrisis #DebtCrisis2025 #BotswanaFinance #EconsultReview #DumaBoko #DeBeers #AfricanEconomy #USATariffs #PolicyReform

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