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Financial Audit

He Has $2 In His Checking Account!

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 30 June 2023

⏱️ 45 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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 No one likes you 02:22 What's up? 04:14 Paycheck to paycheck 05:36 $2 IN CHECKING ACCOUNT!!! 08:00 Giving everyone money, when you have no money... 10:45 So-called "savings" 13:00 Credit card debt... 18:55 It's time to get help! 21:33 Let's build a budget 27:40 CLEAN THIS UP 31:20 This is going to take a long time... 34:45 You need to sacrifice to get there! 43:45 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

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0:05.3

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0:11.9

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0:15.0

My name is Jamal. I'm 24 years old. I live in Las Vegas, Nevada, and this is financial audit.

0:42.0

What do you do for a living in Las Vegas? I'm actually a debt collector for Nordstrom. So I've been doing that for... Nordstrom. That's what I'm saying. A debt collection for Northstrom? Before you say anything, you'll like the numbers. Before you say anything, you'll like the numbers. Because I only say that because it's actually the best job I've worked in financially and i'll explain a little bit more if you want me to yeah but i don't want like debt collectors i'm gonna be honest with you neither do i neither do i it was the only remote job that

0:47.4

i can find at norstrom i mean not in norseum but in Vegas in general really yeah well wait why

0:52.8

did that have to be a remote job in Vegas so So I moved from Ohio originally, and I needed a job in Vegas. And so I originally started with Yelp for like six months just to transition so I can get an apartment in Vegas. And then once I got it. Guys, I didn't scrunch my hair. I'm so sorry. I wasn't looking beautiful for you.

1:11.6

No, you're good, man.

1:12.6

I'm sorry. Continue your story while I scrunch. It's okay. So basically what happened was once I moved out, I liked the fact that I was working from home. It was easier, good on my car, and not only that I kind of lived alone, so I needed It's something that can financially handle my expenses and also,

1:29.2

you know, live day to day a little bit easier. So what do you make now in this position?

1:35.4

On a monthly base, I make roughly $2,600, but I also make incentive as well. So that

1:41.7

boosts me up to $5,000 a month, close to $5,000.

1:44.9

On average?

2:34.2

On the incentive? Average, let's just say $4,200 to play a safe. Okay. Is that before taxes, after taxes? After taxes. Okay. Yeah. And the incentive is you get in that debt closed? Pretty much, yeah. So depending on how much I make on a monthly base in terms of like collecting debt, that's how much, that's how my, um, incentive gets tracked. Okay. Yeah. Now, if you want to not get hounded by debt collectors, I mean, I can't help you unless you're on the show, but you can subscribe. And maybe that'll just give you good good luck a good luck button to not get called by deck collectors like you in your evil position of work i'll be helping these people okay i help i help i really oh fuck off that's stupid no let's not say that. Well, I'm glad you're doing better.

2:35.0

What were you making?

2:37.7

What was I making, like, before Northsham or?

2:38.6

And I'm going to just. Yeah, so before Norseum, I think I was making, like, roughly, roughly 200 after taxes a month.

2:49.4

Yeah.

2:50.6

Do you enjoy this position?

2:52.6

No.

2:53.4

No.

2:54.0

No, not at all.

...

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