$250,000 Down The Drain, For THIS?! | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4 • 894 Ratings

🗓️ 14 February 2025

⏱️ 85 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

▶Sooooo she's hid it all from her husband, and in the post show I call him and confront the situation... we actually find out THE DAY we filmed she missed a car payment... WTFFFF 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 :) Try Rocket Money for free: https://RocketMoney.com/caleb Go to https://meetfabric.com/CALEB and apply today, risk-free Tired of steep car insurance premiums? With Money.com, you can compare multiple car insurance options in just minutes and save big! Click here https://money.com/caleb-car-insurance to see options that could start helping you save money today. Paid endorsement. This message is sponsored by Money.com, which receives compensation from its marketing partners for some of the products and services featured. Eligibility requirements apply and offers may be subject to change without notice. Learn more about how Money.com makes money. ▶▶▶ 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 ▶Come to my live show in Austin on Feb 22nd: https://www.calebhammer.com/live ▶EDUCATION: 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 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) 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	Say hello to the next generation of Zendesk AI agents, built to deliver resolutions for everyone.
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0:11.9	That's the Zendesk AI effect. Find out more at Zendesk.com.
0:15.1	To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:18.5	You blew through a quarter million dollars. You blew through a
0:21.9	quarter of a million dollars. I could have been like so many people who go through it in like
0:27.1	six months and I didn't so I had on my back. What the fuck did you possibly do? A quarter million
0:32.6	dollars is life changing. All I had to do was pick up the phone and call my grandmother
0:36.6	and be like, hey ma'amall, I need $5,000 and I had it do was pick up the phone and call my grandmother and be like,
0:40.8	hey, my mom, I need $5,000 and I had it. So you've been a spoiled your entire life? Download my new simpler budget app today and take control of your money
0:48.2	once and for all. Hi, my name is Layla. I'm 39 years old and I live in San Antonio, Texas. And this is financial audit.
0:58.2	Thanks for coming up from San Antonio, especially on such like a wintry day. What do you do for a living down there?
1:04.2	I am a remote mental health therapist. Whoa. Okay. Usually the people we try to get our guests in touch with. Like we give away three free, like we give them three free therapy sessions. Think to Sondermine, you know, that's our, that's our people. So that's great. That's a great job. That helps a lot of people. I love that. Cool. What do you make that with that job? That
1:29.0	could be money. Could be. Should be. You would, you would think so, right? Is it not? It's not.
1:34.2	So currently, I'm making $20 an hour working remote. What was your degree?
1:39.1	Masters in marriage and family therapy. Okay. But when I was in Virginia, I was making like 78,000. Why are you doing this?
1:47.0	How many hours a week do you work? 40 hours. Okay. Why are you doing this? You're working for like a
1:52.0	nonprofit? What are you doing? So I work substance abuse. So I was in my bill, Alabama. And that's why I
1:59.0	can't understand you. Okay. And, um, you know, my husband got
2:05.5	transferred here and. Transferred. Yeah. So, husband. Yep. Okay. Okay. So. And so with him being military,
2:15.0	um, we came here and I was going to try to work here in Texas.
2:19.5	But unfortunately, I failed the NCE by one point.
	...

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