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
?I confronted her entitled BRAT daughter in today's post show… she put up a fight, but someone needs to stand up to her- watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
?Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle plus get $100 in a cash gift for signing up to start investing!
?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.
46:00 Really sums up her whole life.
"Why didn't you pay the $600 for the early payment?"
"I didn't have it at that time."
"Yes you did. You spent $1500 on absolutely nothing."
"I didn't have it in my account at that moment."
It's amazing to think that a professional, a person whose advice is worth hundreds of thousands of dollars, doesn't understand that there will be bills that will come due at the end of the month, and that if she spends all her money now, she won't have money then. I feel like children would understand this. She's got the financial skills of a cat.
This episode is good for the credit spending addicts because shes reached her compound interest limit. Now shes being eaten alive by it. Compound interest debt is scary stay the hell away from it.
I'm a silent viewer, and this was already outrageous. But, my mouth literally dropped when she mentioned the payday loan DAILY payment?!?!?!? I have never heard of that….. ever.
You know it’s serious when the glasses come off and Calebs voice gets so high that only dogs can hear ????
This is one of those episodes that makes you feel great about your finances ???????? it’s sad because she should be 9 years away from cashing out her Roth and being a millionaire. Great representation of what happens when you prioritize NOW over LATER
She has a debt for each year of my life, holy shit
I'm only 15 minutes in and I feel bad for the son. It hurts to watch from the sidelines I couldn't imagine seeing the son in the same room as she admits all of this. Imagine your sister having an unlimited (as far as anyone's concerned) credit card and CHOOSING to not care about receiving financial lessons (understandable to turn down a financial audit on a public platform but to say no to your brother who's trying to help you for free? sickening) AND THEN to know she learned all that from the woman you love the most and relied on the first half of your life, aka your MOTHER, is so disheartening… Please raise your children and don't pick or choose who gets to be responsible and who doesn't, how do you not see that as unfair?
I can't imagine the anxiety both she and her kids must be living with. It's clear that she knows she did it to herself, so I can't bring myself to be mad. Prayers that this is the wake up call she needs to totally renew her lifestyle/spending.
Sometimes I wonder if these people really even care that much. She doesn't seem stressed out at all about how dire her situation is
"Son, close your ears." lmao
Dude, this is frightening….. it's becoming the financial maury daytime tv
If her health fails,screwed,instantly bankrupt.Looking at her shape,sooner than later!
It finally happened… he finally had to recommend bankruptcy.
as a christian, you're not going to hell if you don't tithe. sure, it's the first 10 percent but i don't God is going to smite you. Idk, if it's your conviction, sure.
Husband dodged a bullet a grenade, hell a whole nuclear bomb.