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Financial Audit

Financial Audit’s Thirstiest Guest

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 18 April 2025

⏱️ 99 minutes

🧾️ Download transcript

Summary

▶SHE CHOSE TO SUPPORT TAYLOR SWIFT OVER HER OWN MOM, so freaking gross!!! 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 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Get 10% off your perfect pair of boots with Tecovas, at https://Tecovas.com/HAMMER ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: *FINANAL LOW PRICE CHANCE* 1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/ 2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget 3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. *LAST CALL FOR 25% OFF* Everything you need for buying your first home to buy your first investment property: 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. 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 and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 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/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. 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. I kind of want to discover what's going on with the audience at this time. Okay. So I am going in blind.

0:23.3

I know nothing. earlier check us out on YouTube I kind of want to discover what's going on with the audience

0:21.2

okay so I am going in blind I know nothing I decided to come here because I saw you

0:27.1

in Hinge six months ago I'm you fucking kidding I mean I s'm you fucking kidding I wish I was kidding

0:35.7

that is insane.

0:43.3

Download my new simpler budget app today and take control of your money once and for all.

0:53.6

And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget premium annual.

0:56.3

Hi, my name's Carly.

0:57.3

I'm 27.

1:00.7

I live in Austin, Texas, and this is Financial Audit.

1:03.8

Thanks for coming in.

1:05.4

What do you do for a living here in Austin?

1:09.5

So I do social media support for a bank.

1:13.1

For a bank, okay. Are those huge social media pages media pages banks who's following the banks um okay yeah how much are you making so i bring in around 56 before taxes um

1:21.5

it's about 3,400 every month total net as i was hitting that how how do we live in in Austin on that how does

1:28.9

that feel um it feels okay yeah um there are it feels a little bit better when it's a three paycheck

1:34.9

month um or it feels a little bit better when I get a stock payout so you're biweekly it's not semi

1:39.5

monthly so sometimes you get the little three the little right special three okay yeah yeah

1:43.7

yeah well what's your rent? My rent is $1,300 after. That's a little expensive. After what? After pest control, pet fees, water, sewage. That's all included in the $1,300. Okay, so after the normal rent stuff that isn't everyone's rent. Yeah. Okay. I think it's like $11.89 before you add all that stuff in. Yeah. Okay. Yeah. I mean, 36. We're stretching at 36% of your income. Yeah. It's definitely stretching it. But, you know, for the Austin area, that percentage isn't the most

2:17.7

horrendous, that's for sure.

2:34.6

So what is going on? I'll be honest, I'm going in a little blind, a little more blind right now. Okay. We wanted to just test a little thing. And I'm curious. Well, I just like, I'm like, you know what? I kind of want to discover what's going on with the audience.

2:35.0

Okay.

...

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