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Financial Audit

100+ Years Of Insane Debt | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 10 December 2025

⏱️ 93 minutes

🧾️ Download transcript

Summary

THE MOST *PERFECT* POST SHOW *EVER* --- I make him call his (husband?) friend and confess *EVERYTHING* , watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer *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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

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0:29.7

To watch episodes of Financial Audit a week earlier, check us out on YouTube. 12,000 hours

0:34.4

for a Frenchie? A third of a Frenchie. How do you get a third of a Frenchie? So co-ownership. What the f***? And that's not what you're actually gonna get. I look around a lot. I'm doing rent, asshole. Well, you said your mortgage asshole. Oh no, I've never seen this in my life. If I did my calculations correctly, I believe that I did. You are fucking.

0:55.1

I'm trying to be debt-free in the next 12 months.

0:59.9

My Black Friday site wide blowout is live.

1:04.1

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1:08.3

That is 20% off courses, merch, and even the brand new master your money membership.

1:12.7

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1:13.9

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1:16.6

Happy Black Friday and enjoy your savings.

1:19.2

Hi, I'm James.

1:20.5

I'm 26 years old from Spokane, Washington, and this is Financial Audit.

1:25.8

Washington, I haven't had a Washington person, I think, in a long time. This is awesome. Not a cheap state. Spokane, I'm not 100% sure. But very cool. Thanks for coming down. What do you do there? I'm a manager of a retail store. Sure. Last time I had a manager of a retail store, she actually made a lot of money so i hope you're

1:44.9

making a lot of money yeah better career path than a lot of people give it credit for yeah i know

1:50.1

when you start on the ground floor it sucks well i mean i turned over in a year i i literally uh july

1:56.4

26th was when i started with the company you probably showed the ambition and everything so okay

2:00.1

very cool what do you make?

2:18.8

68 annually. Now, again, for Spokane, I don't really know, but in terms of the United States, that is good. You are doing well. I mean, you're towards the median household income of the United States. Household income, usually two people. So you're doing pretty okay, I would think. What hits your account on a paycheck basis?

...

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