???? Are you on track with the Baby Steps? Get a Free Personalized Plan. ? https://ramsey.solutions/yo0vkt
? Have a money question? Ask Ramsey is here to help. ? https://ramsey.solutions/2ffdw1w0

Dave Ramsey and Dr. John Delony answer your questions and discuss:
– “I’m about to inherit $5 million, how do I wisely manage this money with my fiancé?”
– “We’re in $48,000 of debt, our house is in forbearance, and my husband doesn’t support us financially. What do I do?”
– “I was taken to small claims court and they are threatening to garnish my wages. Should I get a HELOC to pay it off?”
– “Our neighborhood is no longer safe. Should we sell our house or rent it?”
– “We run a successful business but we’re still broke and in debt.”

From Today’s Episode:
???? Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
???? Email Dave On-Air With Your Questions on Debt and Finance – https://ramsey.solutions/lal3wnh7
???? Start eliminating debt for free with EveryDollar – https://ramsey.solutions/5jplbo
???? Get organized and prepared to buy or sell a home – https://ramsey.solutions/hvkahs
????? Get your ticket for Investing Essentials today! – https://ramsey.solutions/pp3o6vi2

Helpful Resources from Ramsey Solutions:
????? Find a Ramsey Trusted Real Estate Agent- https://ramsey.solutions/i9l8x3
???? Free Tools & Resources to Help You With Investing – https://ter.li/st2jne

Connect with our Sponsors:
– Get 10% off your first month of BetterHelp ? https://www.betterhelp.com/RamseyRadio
– Go to Boost Mobile to switch today! ? https://www.boostmobile.com/ramsey
– If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
– Learn more about Christian Healthcare Ministries ? https://www.chministries.org/budget
– Get started today with Churchill Mortgage ? https://www.churchillmortgage.com/
– Get 20% off when you join DeleteMe ? https://www.joindeleteme.com/Ramsey
– FAIRWINDS Credit Union exclusive account bundle ? https://www.fairwinds.org/ramsey
– Debt collectors hassling you? Take back control of your life at Guardian Litigation Group ? https://guardianlit.com/ramsey?utm_source=video&utm_medium=ramsey_show
– Find top Health Insurance Plans at Health Trust Financial ? https://www.HealthTrustFinancial.com
– Use code RAMSEY to save 20% at Mama Bear Legal Forms ? https://www.MamaBearLegalForms.com
– Visit NetSuite today to learn more. ? https://www.netsuite.com/Ramsey
– Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. ? https://www.Quo.com/Ramsey
– Sign up for your $1.00/month trial at Shopify. ? https://www.Shopify.com/Ramsey
– Call 844-2-RAMSEY to get started with YRefy. ? https://www.Yrefy.com/Ramsey
– Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ? https://www.zander.com/

Explore more from Ramsey Network:
???? The Ramsey Show Highlights ? https://ter.li/tp4w1h
???? The Dr. John Delony Show ? https://ter.li/9l5k9g
???? Smart Money Happy Hour ? https://ter.li/dre4oa
???? George Kamel ? https://ter.li/2ma765
???? Front Row Seat with Ken Coleman ? https://ter.li/pz4wbn
???? EntreLeadership ? https://ter.li/proqeb

Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy

Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5

Reiki for Debt Free Living | Money Healing for Canceling Debts, Financial Freedom Manifestation
????READ MORE????
?? Discover All Reiki Sessions: ? http://www.youtube.com/c/DivineWhiteLight
???? Be a Subscriber: ? https://www.youtube.com/c/DivineWhiteLight?sub_confirmation=1
???? Become a Member: ? https://www.youtube.com/channel/UCLlIF0DEBJc0oJZ4gLipPbg/join
???? Donations Appreciated. May your offering return a thousandfold: ? https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=TKP6RX4DLQUF6&source=url
???? Find Us on Patreon ? https://www.patreon.com/dwlight

???? Music: Sound Traveler by In-Spirits exclusively produced for In-Reiki/Divine White Light. © Copyright In-Spirits. All rights reserved. No part of this video or music may be copied, duplicated or reproduced.

—————————————————————————
Remote Reiki session to help you break the vicious cycle of debt.

This video is an energy-based wellness tool intended for educational and self-healing purposes. It aligns with metaphysical and holistic health practices and is designed to offer viewers a remote Reiki energy transmission for emotional and spiritual support related to the topic presented.

Reiki is a Japanese energy-based healing modality that helps to restore the body’s natural balance with the purpose of relaxation and stress reduction.

Being in a sleep, awake, occupied or engaged in other activities while simultaneously
receiving Reiki, will never impair from its effectiveness.
Reiki always works for your highest good and most benevolent outcomes.

The infinite wisdom of Reiki flows only where it is desired, affecting matter at subtle levels. Your personal acceptance and openness to receiving this healing energy will dictate the level of energy to receive.

You are encouraged to play this distance healing recording repeatedly as often as you wish. This Reiki sessions can have cumulative effects, meaning, the healing energy infused in these videos is amplified each time you play it.

Each of us has our unique response to the healing energy and our experience can indeed vary from session to session. It depends on how sensitive someone is to energy. Just relax and enjoy this healing energy flowing to you.

This is a “real time” Reiki session recorded from the beginning to end. While channeling energy my focused and devoted attention will prevail throughout the session. Therefore, I do not speak and remain silent at all times. Soothing background music is used to further promote deeper relaxation during the session.

In order for Reiki to work effectively, please be open to receiving the healing energy.
It is extremely beneficial to drink water after receiving Reiki as part of the healing process.

Important Note: This content is not intended to be a substitute for proper medical diagnosis, treatment or specialist care from your Medical Practitioner / GP / Consultant or other qualified health professional.

—————————————————————————

For more information, please visit:
???? In-Reiki.com ? https://www.in-reiki.com ?

Social Media Links:
???? Twitter: ? https://twitter.com/In_Reiki ?
???? Pinterest: ? https://de.pinterest.com/InReiki/ ?
???? Instagram ? https://www.instagram.com/inreiki/ ?

???? Subscribe this channel ? https://www.youtube.com/c/DivineWhite…

—————————————————————————

I’ve done my best to ensure you receive true value from this free Reiki video session, and I’m here to support you as best I can. However, please understand that I do not offer miracles, and I make no promises to cure any condition.

While many may benefit, results are not guaranteed. I make no claims regarding healing, financial gain, or outcomes of any kind. Any experiences you have are unique to your own personal journey. For any serious concerns, always prioritize your well-being and seek appropriate help.

All services are for energetic and spiritual support only. By participating, you accept full responsibility for your wellbeing and understand that I serve only as a facilitator of channeled energy.

If you enjoyed this energy work, please like and subscribe to support the channel.

Thank You! ?????
-Lany

—————————————————————————

#reiki #energyhealing #reikihealing #money #financialfreedom #lawofattraction #manifestation #spirituality #asmr #wealth #meditation

Drowning in credit card debt? Learn how a credit card debt consolidation loan can simplify your payments, lower your interest rates, and help you finally become debt-free. Discover the pros, cons, and smartest ways to use this strategy in your favor.

???? Apply today and take the first step toward debt freedom!
?? Soft credit check only (no impact to your score)
?? Compare up to 40 loan offers with one application
?? Find the right personal loan or debt consolidation loan for you
https://theyukonproject.com/product-comparison/compare-personal-loans/?swcfpc=1

Website: https://theyukonproject.com

Pay Off Credit Card Debt Faster | Our Free Payoff Calculator
https://theyukonproject.com/debt-payoff-calculator/

Video Chapters:
00:00 – Intoduction
00:37 – What is a credit card debt consolidation loan?
00:58 – What is the goal of a credit card debt consolidation loan?
01:12 – How do credit card debt consolidation loans work?
01:51 – How to be successful with a credit card debt consolidation loan
02:25 – Pros of a credit card debt consolidation loan
03:26 – Cons of a credit card debt consolidation loan
04:58 – Is a credit card debt consolidation loan right for you?
05:46 – Alternatives to credit card debt consolidation loans
07:17 – How to get a credit card debt consolidation loan

Are you buried under multiple credit card balances and feeling like you’re never making progress? You’re not alone — millions of Americans are trapped paying 20–30% interest every month. But there is a smarter way forward. In this video, we break down everything you need to know about credit card debt consolidation loans — your potential path to financial freedom.

???? What You’ll Learn in This Video:
? What a credit card debt consolidation loan actually is
? How debt consolidation loans work step-by-step
? The real pros and cons of using a loan to consolidate debt
? Whether you qualify and what credit score you’ll need
? The top alternatives (balance transfers, debt management plans, home-equity loans, and more)
? How to avoid the “debt rebound” trap and stay debt-free for good
By the end, you’ll know exactly whether a personal loan for debt consolidation is right for you — and how to compare lenders safely to get the lowest possible rate.

???? Why People Choose Credit Card Debt Consolidation Loans
If you’re juggling multiple high-interest cards, a single debt consolidation loan can simplify your finances. You replace several minimum payments with one fixed monthly payment, usually at a much lower interest rate. That means less money lost to interest and a clear end date for your payoff.
Average credit card APR: ~24%
Typical debt consolidation loan APR: 7%–15%
Savings potential: hundreds or even thousands of dollars in interest

?? Before You Apply
Debt consolidation isn’t magic — and it’s not for everyone. You’ll still need discipline and a solid plan. Lenders will check your credit score, income, and debt-to-income ratio before approving you. If your credit is weak, consider credit-union loans, secured loans, or a debt management plan through a nonprofit agency.

Avoid these common mistakes:
? Taking a longer loan just to lower your monthly payment (you might pay more overall)
? Using the loan to pay off cards, then running them back up again
? Ignoring origination fees and total APR when comparing lenders

???? Who a Debt Consolidation Loan Is Best For
?? Borrowers with good to excellent credit who qualify for a lower rate
?? People with steady income who can handle a structured payment
?? Those with moderate debt ($5,000–$50,000 range) looking for simplicity
?? Anyone ready to break the cycle and make real financial progress

???? Explore The Yukon Project Marketplace
At The Yukon Project, we make comparing lenders simple. Enter your loan amount, purpose (“credit card consolidation”), and credit score range — and we’ll check your rate with up to 40 lenders using a soft credit pull (no impact to your score). See side-by-side offers, find your best APR, and take the first real step toward debt freedom.

#DebtConsolidation #CreditCardDebt #PersonalLoans #DebtRelief #FinancialFreedom #DebtPayoff #CreditScore #MoneyTips #DebtManagement #DebtFreeJourney #PersonalFinance #YukonProject #ConsolidateDebt #LowerInterest #PayOffDebt #SmartMoney #DebtHelp #FinanceEducation #DebtSolutions #BudgetBetter

Order your copy of The Let Them Theory ???? https://melrob.co/let-them-theory ???? The #1 Best Selling Book of 2025 ???? Discover how much power you truly have. It all begins with two simple words. Let Them.
—

This episode delivers the best financial advice you’ll ever hear.

It will teach you the 5 money habits that can change your life.

And it’s your guide to taking control of your money: how to make it, save it, and invest it no matter where you’re starting from.

Whether you’re trying to feel more confident with your finances, buried in debt, living paycheck-to-paycheck, or want to learn more about investing, this episode
will shift the way you think about money, and what to do with it, for good.

Mel is joined by Morgan Housel, the bestselling author of The Psychology of Money and one of the most trusted financial experts in the world. His insights have helped millions of people feel more in control of their money and now he’s sharing them with you.

Morgan breaks down:
-The #1 mistake that’s keeping you broke
-The 5 habits that will transform your financial life
-Why every dollar you spend comes down to two kinds of decisions
-How to stop letting comparison control your spending
-What to do every time you get paid
-How to build wealth even if you’re starting from zero
-The exact investment strategy that beats virtually every single money manager

Mel will also share her story of going from $800,000 in debt, with maxed-out credit cards, a lien on her house, and no idea how she’d make it out – to how she finally turned things around.

You’ll walk away with a smarter, more empowered approach to money.

This is simple, practical, and research-backed financial advice that works.

If you’re ready to stop feeling overwhelmed and start taking control of your money, this episode is where it begins.

For more resources related to today’s episode, click here for the podcast episode page: https://www.melrobbins.com/episode/episode-327/

Click here to get tickets to Mel’s live tour, Let Them Tour 2026: https://www.melrobbins.com/the-let-them-tour/

Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast

I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode.

In this episode:
00:00 Meet the Guest
07:16 ?You Can Get Good with Money
28:58 The #1 Thing that Will Keep You Broke
37:54 Every Dollar Comes Down to 2 Decisions
47:18 Morgan’s Top Investing Tips
59:30 The Difference Between Being Rich and Wealthy
01:07:49 The Importance of Saving
01:15:54 Enough is Better Than More
01:21:34 ?You Can Change Your Financial Story

—
Follow Mel:
Instagram: https://www.instagram.com/melrobbins/
TikTok: http://tiktok.com/@melrobbins
Facebook: https://www.facebook.com/melrobbins
LinkedIn: https://www.linkedin.com/in/melrobbins
Website: http://melrobbins.com?
—
Sign up for Mel’s newsletter: https://melrob.co/sign-up-newsletter
A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want.
—
Subscribe to Mel’s channel here: https://www.youtube.com/melrobbins??sub_confirmation=1
—
Listen to The Mel Robbins Podcast ???? New episodes drop every Monday & Thursday!
https://melrob.co/spotify
https://melrob.co/applepodcasts
https://melrob.co/amazonmusic
—
Looking for Mel’s books on Amazon? Find them here:

The Let Them Theory: https://amzn.to/3IQ21Oe
The Let Them Theory Audiobook: https://amzn.to/413SObp
The High 5 Habit: https://amzn.to/3fMvfPQ
The 5 Second Rule: https://amzn.to/4l54fah

Find relief from financial stress with this 15-minute guided meditation designed specifically for debt anxiety. Learn to observe worried thoughts without getting overwhelmed, practice self-compassion around money challenges, and ground yourself in the present moment where real solutions exist. This meditation combines mindfulness techniques with practical approaches to help you develop a healthier relationship with financial anxiety and make clearer decisions from a calm mind rather than panic.

#guidedmeditation #meditation #mindfulness

This guided meditation practice is from our app, Declutter The Mind. You can see our full library on our web app or download it for iOS and Android for free.

Declutter The Mind ? https://declutterthemind.com/
Web app ? https://app.declutterthemind.com/

iOS app ? https://apps.apple.com/us/app/declutter-the-mind-meditation/id1465713447
Android app ? https://play.google.com/store/apps/details?id=com.MindDeclutter

Consider joining Declutter The Mind Plus on YouTube for $5/mo and support the channel, get access to guided meditation courses, and more. / @declutterthemind

Courses on Khan Academy are always 100% free. Start practicing—and saving your progress—now!
https://www.khanacademy.org/college-careers-more/financial-literacy/xa6995ea67a8e9fdd:loans-and-debt/xa6995ea67a8e9fdd:debt/v/debt-management

Debt management can be approached individually or with professional help. On your own, you can create a budget, communicate with creditors to negotiate better terms, or consolidate debts, though this might involve high interest rates. With assistance, credit counseling provides guidance and repayment plans, while debt settlement involves negotiating lower payments but can be risky; bankruptcy should only be considered as a last resort.

Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help!

Donate or volunteer today! Donate here: https://www.khanacademy.org/donate?utm_source=youtube&utm_medium=desc

Volunteer here: https://www.khanacademy.org/contribute?utm_source=youtube&utm_medium=desc

Escape the cycle of debt, lack, and financial struggle and discover the freedom and peace that comes with managing your finances wisely and trusting God’s provision. Learn how to break free from financial bondage and unlock a life of prosperity, abundance, and financial freedom through biblical principles, practical strategies, and faith.
Break the chains of financial slavery and experience a life of financial stability, freedom, and prosperity, as you learn to trust God and manage your finances effectively.

Leave a comment and tell us what country you’re watching from!

We believe you have been blessed by this video. Please kindly hit the SUBSCRIBE button and turn on your Notification Bell so that you will be notified when any video is uploaded. Also Like, Share and Comment.
??Video original and produced exclusively by Koinonia Sounds
??Footage licensed through Storyblocks
?
?#KoinoniaGlobal #ApostleJoshuaSelman #OnlineSermon
?#JesusRevealedAndGlorified
?
?Note: We own the copyright to the footage used in this video.
?
?A. Your Rights. We, Footage Firm, Inc., the owner of storyblocks.com, videoblocks.com, graphicstock.com, and audioblocks.com, grant you a perpetual, worldwide right to incorporate the Stock Files you obtain from us into any work you create.
?
?Speaker: Apostle Joshua Selman Nimmak
?
?Our goal for creating these videos is to produce high-quality transforming and empowering content and distribute it to our audience.
?
?We produce original and professionally crafted videos, incorporating unique editing techniques to enhance the delivery of our message. Creative effects are utilized to emphasize specific areas of the content. Additionally, we add subtitles considering our diverse audience, some of whom may not be familiar with African intonation. In situations where multiple speakers are present, we present their dialogues in a conversational manner, allowing them to complete each other’s sentences while remaining on-topic. We also employ intermittent sampling in our videos. For questions or suggestion regarding the channel and its content, please do well to use the comment section.
?
?For ANY Enquiry about Koinonia Global :
?
?Official Koinonia LINES:
?08075770001 (Public Relations)
?08147214444 (Public Relations)
?09077777853 (Prayer and Counselling)
?09065996660 (Finance Department)
?08100289892 (Media Department)
?
?#koinoniasermons,#koinoniasermons2021,#koinoniamessages2021,#koinoniamessages,#apostlejoshuaselmanmessages2021,#apostlejoshuaselman,#koinoniawatchtv,#koinoniaglobal,#apostlejoshuaselmanmessages,#apostlejoshuaselmanworshipsongs,#joshuaselman,#apostlejoshuaselmanlivestream,#koinoniavideos,#apostlejoshuaselmantongues,#apostleselman,#koinoniaabuja,#koinoniazaria,#apostlejoshuaselmansermons,#apostlejoshuaselman2022,#apostlejoshuaselmanprayer,#apostlejoshuaselmanmidnightprayers,#apostleselman2022,#apostleselmanlive,#joshuaselman,#koinonia#apostlejoshuaselman,#koinoniaabujalive,#koinonialivestream,#apostlejoshuaselmanprayingintongues,#koinoniasermons2022,#koinoniasermons2023,#koinoniasermons2020,#koinoniamessages2022,#koinoniamessages2023,#koinoniamessages2020,#apostlejoshuaselmanmessages2020,#apostlejoshuaselmanmessages2022,#apostlejoshuaselmanmessages2023,#apostlejoshuaselman2020,#apostlejoshuaselman2021,#apostlejoshuaselman2023,#apostleselman2020,#apostleselman2021,#apostleselman2023,#apostlejoshuaselmanvideos,#koinoniamiracleservice,#latestkoinoniamessage2020,#latestkoinoniamessage2021,#latestkoinoniamessage2022,#latestkoinoniamessage2023,#koinoniamessage2020,#koinoniamessage2021,#koinoniamessage2022,#koinoniamessage2023,#dailytransformationmedia,#jesusrevealedandjesusglorified

Debt consolidation sounds smart — one easy payment, lower interest, less stress. But here’s the truth: it doesn’t get you out of debt… it keeps you in it. In this episode, I expose why 88% of people who consolidate their debt end up right back where they started. You’ll learn the real reason debt consolidation fails — and how to create a powerful G.O.O.D (Get Out Of Debt) Plan that actually works.

You’ll discover:
– Why consolidation gives false confidence
– The psychology of “debt relief” and how it traps you
– How to use discomfort as your greatest motivator
– The proven 4-step G.O.O.D Plan to get debt-free for good

If you’re serious about breaking free from the cycle of debt, this episode will give you the clarity, mindset, and plan to do it.

Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don’t miss out on the opportunity to unlock your true financial potential and live a life of abundance. It’s time to invest in yourself and create the future you deserve!

**Support the Stream By Shopping at Our Store**
Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop

YouTube: https://www.youtube.com/@thefinancialmirror
Rumble: https://rumble.com/TheFinancialMirror
Facebook: https://www.facebook.com/thefinancialmirr0r
X: https://twitter.com/financialmirr0r
Instagram: https://www.instagram.com/thefinancialmirror/
Podcast: https://creators.spotify.com/pod/show/thefinancialmirror

If you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/

#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #debtconsolidation #debtrelief #getoutofdebt #financialfreedom #debtfreejourney #personalfinance #moneymindset #budgetingtips #debtfreecommunity #payoffdebt #wealthbuilding #debtawareness #moneycoach #debtmotivation #creditcarddebt #studentloans #financialeducation #debtfreelife #financialdiscipline #moneyhabits

???? 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

#August2025 #studentloans #financialfreedom #laidoff

In this video, I am going over me and my husband’s student loan payoff journey for August 2025. www.vertex42.com

Timestamp:
0:00 Intro
6:30 Debt Payoff Progress
26:15 Debt Coloring Sheet
30:38 Debt Reduction Calculator

HECK OUT MY LATEST BLOGS:

????”The Benefits of Using Cash in a Digital World: Why Cash Still Works for Your Budget”
https://paperbymoe.com/blogs/moeintroduction/the-benefits-of-using-cash-in-a-digital-world-why-cash-still-works-for-your-budget

????Economic Uncertainty & Consumer Caution: How To Protect Your Finances in 2025
https://paperbymoe.com/blogs/moeintroduction/economic-uncertainty-consumer-caution-how-to-protect-your-finances-in-2025

???? How to Use Education and Skills to Leverage Your Resume (and Stay Marketable in an Uncertain Economy
https://paperbymoe.com/blogs/moeintroduction/how-to-use-education-and-skills-to-leverage-your-resume-and-stay-marketable-in-an-uncertain-economy

???? Budgeting for Household Essentials (Without Overspending) ?????
https://paperbymoe.com/blogs/moeintroduction/budgeting-for-household-essentials-without-overspending-%E2%9C%A8

????10 Daily Habits of Financially Disciplined People:
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-10-daily-habits-of-financially-disciplined-people

???? How to Stay Focused on Your Money Goals When Life Gets Hard: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-how-to-stay-focused-on-your-money-goals-when-life-gets-hard

???? When Money Changes the Vibe: How Finances Impact Your Relationships, Habits & Values : https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-when-money-changes-the-vibe-how-finances-impact-your-relationships-habits-values

????”Mid-Year Money Check: How I Plan My Finances (And How You Can Too) ?????”
https://paperbymoe.com/blogs/moeintroduction/mid-year-money-check-how-i-plan-my-finances-and-how-you-can-too-%F0%9F%92%B0%E2%9C%A8

????”From Paycheck to Progress: Smart Money Habits That Work from Broke to Comfortable ????”
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-how-i-use-sinking-funds-while-paying-off-debt-yes-you-still-can

????”Why I Track My Student Loan Debt With Pen & Paper”: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%93%9A-why-i-track-my-student-loan-debt-with-pen-and-paper-and-how-it-helped-me-pay-off-over-47-000

????”Should You Pay Off Debt If Your Job Isn’t Secure? Here’s What to Do Instead” : https://paperbymoe.com/blogs/moeintroduction/should-you-pay-off-debt-if-your-job-isnt-secure-heres-what-to-do-instead

????”Zero-Based Budgeting vs. 50/30/20 Rule: Which One is Best?” https://paperbymoe.com/blogs/moeintroduction/zero-based-budgeting-vs-50-30-20-rule-which-one-is-best

????”Cut the Cycle: End the Paycheck to Paycheck” Lifestylehttps://paperbymoe.com/blogs/moeintroduction/stop-living-paycheck-to-paycheck

2025 BINGO: https://paperbymoe.com/products/2025-bingo-card

Thank you for watching!

I hope you all enjoy this video & watching my financial freedom journey. I budget my money using the zero based budget method.

Please like, comment, like and subscribe

Make sure you subscribe to PaperByMoe.com to stay updated on all new products and sales.

?? Affiliate Links: (I do earn a small portion of money, commission)
Amazon: https://www.amazon.com/shop/paperbymoe

Budget & Blessings…Thank you for watching!! Like. Comment. Subscribe.
I am grateful for all of the words and support. I appreciate you all.

????CHECK OUT FREE PRINTABLES at www.PaperByMoe.com

????Track and take pictures of your receipts to gain free gift cards with FETCH, use my code to gain an extra 2000 points:
https://fetchrewards.onelink.me/vvv3/referralemail?code=HAARE

Instagram:
https://www.instagram.com/paperbymoe/

FTC: This video is not sponsored. Some links are affiliate links where I make a small commission!

FYI: I am not a financial advisor. Everything I state is from my experiences and they are my opinions. If you would like more detailed information and assistance with your finances, please contact a Financial advisor.

#financialfreedom #savings #sidehustle #money #zerobasedbudget #millionairemindset #roadtodebtfreedom #studentloans #paychecktopaycheck
#2022budget #debt #lowincome #cashenvelope #cashstuffing #lowincome #studentloans #debtpayoff