Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4 • 894 Ratings

🗓️ 13 June 2025

⏱️ 98 minutes

🔗️ Recording | iTunes | RSS

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Summary

▶SHE HID THIS FROM US THE WHOLE TIME!!! She OWES THE IRS and is going to go to a festival instead of paying her taxes... I'M DYING IN THIS POST SHOW Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #sponsored @hiCapitalize Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download the free e-book “Navigating Global Trade: 3 Insights for Leaders” at https://netsuite.com/HAMMER Get an exclusive HighLevel 30-day trial: https://saaspreneur.com/calebhammer ▶▶▶ ▶ You can still take advantage of our Memorial Day Sale—get 30% off the Master Your Money Bundle at https://calebhammer.com/classpack/ or grab any individual course from the Master Series for 20% off here: https://bit.ly/master-courses ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *30% off* https://calebhammer.com/classpack/ 2. *Our budgeting program *20% off*: https://calebhammer.com/budget 3. Our investing class and I’ll give you a $100 towards investing *20% off*: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn how *20% off*: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property *20% off*: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% 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. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/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. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. 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. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You were the one who went crazy. Of course, because I made contact. Who here, who first?
0:22.3	Me.
0:22.5	I come from the Hudsonus.
0:23.6	I can't.
0:24.1	You went back and
0:24.9	attacked her. You were the attacker. You stabbing her in the neck. Don't touch me first. I think
0:31.8	she learned that. Download my budgeting app today and take control of your money once and for all.
0:43.9	And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you.
0:45.9	Link in the description and pin comment below.
0:49.2	Hi, my name's Isabella.
0:50.6	I'm 34 years old.
0:53.2	I'm from Clearwater, Florida, and this is Financial Audit.
0:57.3	Thanks for coming over to Austin. What do you do in Clearwater for a living?
1:01.3	I am a medical assistant for internal medicine practice. Very good. What are we making?
1:09.1	$20 an hour. Okay. Clearwater ain't cheap. So how are you living? How are things doing $20 an hour?
2:19.2	Um, okay. For what I, you know, as a single person, it's tough, but, you know, I'm pulling by. I live in a studio apartment. Yeah. So, you know, so I live five minutes from work as well, so I don't have a big commute. Sorry, you're struggling. Well, I'm struggling. You wouldn't be on the show if you weren't struggling. So what is going on? I have impulsivity issues. I have a lot of fomo. I'm a raver. I like to go to a lot of festivals, shows. Did you ageing out? I should be, but I think you just rave to the grave. I don't think there is an ending. First, possibly possibly, but like I'm the rave mom of the group. So I have to take care of everyone. Okay. I was just here last month for a festival. Oh, great. I didn't even know what one was happening. Yeah, up in a far work. That shows our difference in life. Yes. Okay. So every night, got it. No, none of that. No, no, no, no. That's bad for my mental health. I just like the music. I enjoy any kind of music. All music, it brings me joy and happiness. But FOMO, so every concert that pops up, you just can't turn away from? Most of them, no. because I have like a group of 20 people.
2:20.3	That's like my rave fam.
2:35.7	And, you know, like a whole bunch of them are going. So it's like desperate peer pressure as well. Not even peer pressure. I'm usually the one like, hey, who wants to go to this one? It's usually my idea. How often are we going? I go to probably three festivals a year, but like show-wise, probably like once a month or so.
2:37.4	Some shows are... They couldn't be what's destroying you. The three a year, yeah, those are some big trips. Those would be hitting you here and there. Definitely like a, you know, a big hit every once in a while. But it shouldn't be make a break your life.
2:54.8	When you're making $20 an hour. How many hours a week are you working?
2:55.2	40.
2:57.7	So what is your account on a monthly basis?
	...

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