He Came Here To Fight Me | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4 • 894 Ratings

🗓️ 19 May 2025

⏱️ 93 minutes

🔗️ Recording | iTunes | RSS

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Summary

▶WAIIITTTT- her student loans are PRIVATE and she can't even pay on them?!?! This is INSANE- watch the post show 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 Want an inside look at my investment portfolio? Follow me on Blossom Social to see how it’s broken down! 📊💰👉 https://blossomsocialapp.page.link/calebhammer ▶▶▶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: 1. Bundle my budgeting, debt, investing and real estate 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 towards investing: 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. 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. 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	Packages by Expedia.
0:01.9	You were made to occasionally take the hard route to the top of the Eiffel Tower.
0:07.2	We were made to easily bundle your trip.
0:10.2	Expedia, made to travel.
0:12.8	Flight inclusive packages are at all protected.
0:15.1	Say hello to the next generation of Zendesk AI agents, built to deliver resolutions for everyone.
0:20.4	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. And you need them to survive. One time purchases. And you need them to survive. One time purchases. And you need them to survive.
0:37.9	One time purchases that are not going to be made in 2025. Doesn't matter. You needed them to survive. So our spending. Hey. Hey, how about we go into the finances and look what we can fix? Here's a fix. Don't fucking spend $120,000 in a year. You dumb. What the fuck do you mean?
0:53.0	Do you feel any kind of resentment here?
0:54.7	I don't think I would have ever married her.
0:57.9	Download me. dollars in a year, you dumb. What the fuck do you mean? Do you feel any kind of resentment here? I don't think I would have ever married her. Download my budgeting app today and take control of your money once and for all. 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. Link in the description and pin comment below. Hi, my name is Lady. I'm 26 years old. Hi, my name is Mani. I'm 28 years old and we're from Pittsburgh, Pennsylvania. And this is the financial audit. The Financial Audit right here. Thanks for coming to Austin. What do we do for a living? Let's start with lady because ladies in front of me.
1:27.6	It's an interesting fake name we've assigned you. Like, why the f f f-arent you Guy? I don't know.
1:34.3	Um, I don't know. You look like someone named Guy.
1:38.3	Okay, what do you do, lady?
1:41.3	I'm unemployed, so I'm just home all the time. All right. Yep. Guy. So I am currently a substitute teacher. Okay, so how the fuck are you guys living? No offense. I don't even need to ask the wage for that. I know it's not much. How the fuck you live? You also look like a substitute teacher. Yeah, I know. So this is like, okay. So you go in, you put a little DVD into a machine and they can just sit and go to sleep while you're there.
2:10.2	Oh, I wish. I wish. Unless you're a perma sub. Are you perma subs? We're in every day. Currently, I'm teaching eighth grade integrated science.
2:19.7	Our principal had medical emergencies. So the eighth grade science teacher is now the principal.
2:24.4	So we kind of all stepped up positions. It's still the same pay, but I am teaching.
2:29.3	So it's 175 a day. It's daily pay. It averages to about 23 and some change an hour.
2:36.2	Okay, what hits your account on a monthly basis?
2:40.2	If the weeks are full, because we don't get paid for like days, schools closed or like spring break or anything, it's $1,400 even every two weeks.
2:51.6	Oh, every two weeks.
	...

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