???? woooowwwwww now she’s borrowing money from her dad to pay her own mortgage… this is just so gross. It’s exposed in the post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

????????Download the *DollarWise 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. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5

???????????? *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* – check it out here and change your life: https://dollarwise.com/dollarwise-central/

????????????? *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* – use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB

___________________________________________
?SPONSORS:

Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78

___________________________________________
?EDUCATION:

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

2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ????????????????

___________________________________________
?RESOURCES ??????????????????????????????????????????????

1. *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.

2. Checking & Savings: Get up to $350 when you open a Chime® Checking account, and earn up to 3.75% APY on your savings: chime.com/calebhammer

3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer

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

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. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

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

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

___________________________________________
Chapters:

00:00 Intro
10:19 DAAAMN
23:00 but wait, theres more!
35:40 wtf
52:20 again.. wtf
01:04:36 to lesbian or not lesbian
01:21:36 they always owe money to the IRS

___________________________________________
?More Content ?????????????????????

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

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
?EXTRA

1. My socials: https://stan.store/calebhammer

2. 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
___________________________________________

?*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. This is not investment advice.

?Sponsorship and business inquiries: business@calebhammer.com

Try Rocket Money for free: https://RocketMoney.com/caleb

Download the FREE Upside App at https://upside.app.link/hammer to get an extra 25 cents back for every gallon on your first tank of gas.

Watch this episodes POST SHOW here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

?EDUCATION:

1) The best budgeting program online: https://calebhammer.com/budget

2) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

3) Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

4) Get your own free Hammer Financial Score: https://www.calebhammer.com
_______________________

?RESOURCES

1) Checking & Savings: Get up to 4.60% 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

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) Debt negotiation: Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

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!

8) 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/

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

?OTHER CHANNELS:

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

2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
_______________________

Chapters:

00:00 Job and income
06:20 She has no excuse already…
11:11 Okay let’s dive in…
15:46 Holy first credit card!
22:29 This is insane!
30:00 This is literally all garbage
34:45 How do you owe THIS MUCH to the IRS?!
38:30 How NOT to buy a house
43:00 Her payments are ridiculous…
51:00 The endless Amazon
56:10 Why is she doing this to herself?
1:03:15 Absolutely clueless about her finances
1:10:56 How does this exist?!
1:16:16 I just wanted a fun day today…
1:22:15 Holy interest!
1:26:48 She’s honestly incredible… Like bravo…
1:33:52 You need a budget!
1:42:15 Here’s how we fix this (Hint: Can we?)
1:47:30 Hammer Financial Score

_______________________

?EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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

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

_______________________

?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
_______________________

?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
_______________________

?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

?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
_______________________

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

_______________________

?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.
_______________________

?*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

_______________________

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
_______________________

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

_______________________

Sponsorship and business inquiries: calebhammer@creatorsagency.co

_______________________

My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you’re feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it’s completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.

_______________________

*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.