Financial Audit’s Thirstiest Guest

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.6 • 633 Ratings

🗓️ 18 April 2025

⏱️ 99 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	To watch episodes of financial audit a week earlier, check us out on YouTube.
0:03.4	I kind of want to discover what's going on with the audience at this time.
0:06.7	So I am going in blind.
0:08.2	I know nothing.
0:09.6	I decided to come here because I saw you in Hinge 6-1.
0:12.6	Are you fucking kidding?
0:14.6	What is that?
0:15.9	I mean, I...
0:16.5	You fucking kidding, man.
0:19.9	I wish I was kidding.
0:20.6	That is insane. Download my new Simpler, You fucking kidding, man. I wish I was kidding.
0:21.9	That is insane.
0:28.2	Download my new simpler budget app today and take control of your money once and for all.
0:34.3	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.
0:39.8	Hi, my name's Carly. I'm 27. I live in Austin, Texas, and this is Financial Audit.
0:46.8	Thanks for coming in. What do you do for a living here in Austin? So I do social media support
0:53.1	for a bank. For a bank, Okay. Are those huge social media pages?
0:57.7	Banks? Who's following the banks? Um, interesting. Okay. How much are you making? So I bring in around 56 before taxes.
1:06.2	Um, it's about 3,400 every month total. Net? Is that I was saying that? Yes. How do we live in an Austin on that? How does that feel? It feels okay. Yeah. There are, it feels a little bit better when it's a three paycheck month. Or it feels a little bit better when I get a stock payout. Okay. So you're biweekly. It's not semi-monthly. So sometimes you get the little three, the little special three. Okay. Yeah, yeah, yeah. Well, what's your rent? Um, my rent is
1:32.0	$1,300 after. It's a little expensive. After what? After pest control, pet fees, uh, water, sewage. That's all included in the $1,300.
2:35.8	Okay. So after the normal rent stuff that is in everyone's rent. Yeah. Okay. I think it's like 1189 before you add all that stuff in. Yeah. Okay. Yeah. I mean 36. We're stretching at 36% of your income. Yeah. Definitely stretching it. But, you know, for the Austin area, that percentage isn't the most horrendous. That's for sure. 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 at the same time. So I am going in blind. I know nothing about you. Okay. What the fuck is going on? I feel like with my income, I should be in a better place than I am. And I know a lot of that has to do with me spending excessively, mostly on fast food. We can't be doing that, man. Yeah, I know a lot of that has to do with me spending excessively mostly on fast food and we can't be doing that man yeah I know and so I'm assuming listen I'm assuming if you're on
2:41.9	this show I'm assuming if there is a chunk of paperwork in front of me yeah we got debt do I know
	...

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