120 Years To Fix This… | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.6 • 633 Ratings

🗓️ 10 March 2025

⏱️ 101 minutes

🔗️ Recording | iTunes | RSS

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Summary

Stop leaving yourself vulnerable to data breaches and brokers. Go to my sponsor https://aura.com/hammer to get a 14-day free trial and see if any of your data has been exposed WAIT... is it really all his fault, now he's planning to spend THOUSANDS on a bday party instead of helping to get out of debt... I'M ENRAGED, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶ Download my budgeting app today: https://calebhammer.com/app - don't overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out :) Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER ▶▶▶ Download my budgeting app today: https://calebhammer.com/app ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: Bundle is 33% off and all courses are 20% off through March 3rd! 1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) 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 $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 & 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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan 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 9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10) Build you own stan store: https://www.stan.store/?ref=CalebHammer Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	To watch episodes of Financial Audit a week earlier, check us out on YouTube. She's saying, oh, he treats me like I'm dumb. Yeah. You're really going to let, no offense. You, him manage the entire finances? Look where you guys are. That is a good question. She just says, I don't want to get like a panic attack or anxiety over it. I told you that when I was pregnant. All of your debt is substantially worse than her debt.
0:23.5	You are the one holding back the boat.
0:25.5	You are the anchor holding you guys in the middle of a fucking storm.
0:30.6	Download my new simpler budget app today and take control of your money once and for all.
0:37.6	Hi, my name is Travis. I'm 30.
0:39.8	And I'm Kelsey. I'm 27. We live in Montgomery, Texas.
0:43.7	Download my new...
0:44.8	Today and take control of all.
0:47.6	...to the studio in Austin, my friends. So, Thomas, let's start with you. What are you doing
0:52.8	at 30 years old? Travis.
0:55.4	Travis?
0:57.2	We use fake names here, so it was a teen name.
1:00.5	It's all right.
1:02.6	That's fucking.
1:04.9	What do you do?
1:06.1	I'm a production technician.
1:08.6	Oh, okay.
1:09.5	We could use you here. How much you're making? not much. 65,000 a year. Actually, better than I thought. Okay. I know a lot of people in the arts, not how we do it. I like to, you know, incentivize with lots of bonuses and whatever. But a lot of people in the arts, they take poo-poop-poos. Not production like this kind of production. Like a manufacturing production. That makes more sense. Okay, cool. So $65,000 a year. Montgomery, Texas, how big is the town? Cost of living must be? Well, it's... Is it a suburb of an actual place? No, it's a town. It's outside of Conroe. Birthplace is a Texas plan. Yeah, birthplace of the Texas plan. Wow. I'm thrilled. And what do you
1:48.6	do for a living there? I work at a country club. I manage a front desk and pretty much like a
1:55.4	guest services manager. Uh-huh. You work at, you do guest services.
2:01.2	Yes.
2:02.6	With that volume of voice.
	...

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