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Financial Audit

40-Year-Old Can't Afford To Survive

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.6633 Ratings

🗓️ 26 February 2024

⏱️ 51 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 [email protected] Sponsorship and business inquiries: [email protected]  _______________________  Timestamps: 00:00 Job and income 04:11 Why... why why why :( 05:27 Mint Mobile 06:17 This is absolutely terrible... 10:18 THIS IS ALL BS 14:40 You're not taking care of yourself 16:00 Im scared for you... 17:28 IT JUST GETS WORSE 22:47 Why are you doing this?? 30:11 Keeping it from her husband... 34:24 You need to BUDGET 37:04 She's F'd 40:13 This can't be real... 43:40 This is terrifying 46:55 Please turn your life around! 50:23 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

My name is Dominga Titus. I am 40 years old in Austin, Texas, and this is financial audit.

0:05.9

Well, thank you for coming on here. So this is a follow-up episode. You don't need to have watched the previous episode to watch this one, because this is going to be any other financial audit, just like all of the financial audits.

0:16.8

But to give just a little bit of context, we had a conversation last time, we talked about

0:21.6

the family dynamic, how you and your husband don't share finances at all. Things are very

0:28.0

separate. They're like incredibly separate. And you have experienced homelessness in the past

0:33.8

with your kids. That was very traumatic and, you know and trying to not replicate anything like that in the future.

0:39.8

But there was definitely spending addictions, things on Amazon, just multiple, multiple a day

0:45.0

and just draining the income in endless amount of debts to pay off.

0:50.1

So that was the background previous.

0:52.4

Yes.

0:53.2

How are we looking today?

0:54.5

How do you feel the last six months or so has progressed?

0:58.7

So there was a huge upswing for a while there.

1:01.4

I landed a job before I was a contractor and I was not doing that great,

1:05.1

but I landed a full-time job with about a $15,000 raise in income per year.

1:09.9

However, there have been a couple of setbacks. I had a

1:12.3

total hysterectomy. I had a couple of hit and run car accidents that I had to deal with. And my

1:19.3

husband lost his job two months ago. Oh, no. See, some of the layoffs that we're seeing.

1:24.5

Something like that, yeah. Something like that. okay. Well, what's your current job?

1:28.3

I work for the state, so it's an office manager job, and it's 40 hours a week, two days remote. It's a great situation for me, health care, everything I needed, that I wasn't finding before. Hourly your salary? Salary. What's your salary? 54. 54, cool. But, of course, this is coming to now a single household income.

1:48.7

Yes.

1:49.0

But last time again, you guys split it in very weird ways.

...

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