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Financial Audit

24-Year-Old Is Drowning In Terrible Decisions

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 21 June 2023

⏱️ 42 minutes

🧾️ Download transcript

Summary

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 Job, income, and rent 01:45 EXPENSIVE public transportation 02:46 She has a spending addiction! 04:10 Spending EVERYTHING on Uber Eats!! 06:05 This is STUPID spending!!!!!!!!! 08:30 This is so unhealthy... 11:00 YOU NEED A WAKE-UP CALL 12:10 Taking out payday loans... 13:50 You need serious help 14:30 Credit score 14:50 Missing her credit card payments!!! 20:50 Student loans 22:15 STOPPED PAYING ON HER DEBT!!! 26:45 THIS IS INSANE 29:51 Time to clean up this MESS 32:25 Owing her mom THOUSANDS of dollars!!! 34:32 This is going to be so hard... 37:59 You need serious help 41:01 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Say hello to the next generation of Zendesk AI agents built to deliver resolutions for everyone. Loved by over 10,000 companies, Zendesk AI agents easily deploy in minutes to resolve 30% of interactions instantly. That's the Zendesk AI effect. Find out more at Zendesk.com. My name is Genesis. I'm 24 years old. I'm from New York City. I currently live in Jersey. What do you do in Jersey for a living?

0:22.6

I'm a leasing agent. For like an apartment complex? A real estate company. Oh, okay. So,

0:28.8

what do you bring in doing that? I make 60K. 60K. 60K? Any types of commission?

0:37.9

I'm not exactly sure what this job is exactly.

0:40.2

No, no commissions.

0:41.9

So you're just trying to lease out properties for this company?

0:44.3

Yes.

0:44.8

We actually work in the public sector, so we're like low-income housing.

0:49.3

So $60,000, Jersey City.

0:51.0

Jersey City expense of, I'm assuming. assuming i mean it's right there right across

0:56.3

whatever that body of water is that's pretty much a river from new york city yeah i'm a little bit

1:02.2

north from jersey city but i'm still like like i said like 15 minutes from the city yeah what's your

1:07.4

rent um i pay 500 dollars what's how um i live with a very very very very good friend of mine oh with a very, very, very good friend of mine. Oh, that must be a very, very, very good friend because... Yes. Her parents, they know me my whole life. And, yeah, so... Now, you live that state-income tax life. You live in, like, the highest highest tax state if I'm not mistaken across everything

1:28.3

well maybe California I haven't looked at that in a while let's let's see a paycheck come in

1:32.7

okay thousand five hundred twenty nine yeah yeah at that um at that point I was making 50k so I got

1:43.1

a raise recently so very good so is that are you paid biweekly or semi-monthly? Byweekly. I work in Brooklyn. So I commute. Jeez, so you have to commit through Manhattan and then into Brooklyn? What does that commute? It's not terrible. I think I've been used to worse commutes. It's like 50 minutes to an hour.

2:02.5

But I'm going to be relocated to the main office now, which is in the town.

2:07.1

So I'll cut it by like.

2:08.9

How are you commuting?

2:10.0

I take the bus and then I take the train.

2:14.3

Okay.

2:14.6

How much does that cost in you?

...

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