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Financial Audit

He's A Monster | Financial Audit

Financial Audit

Caleb Hammer

Investing, Education, Business, Self-improvement

4.3892 Ratings

🗓️ 9 July 2025

⏱️ 95 minutes

🧾️ Download transcript

Summary

▶ *FREE BONUS EPISODES* - I am personally paying for your Hammer *ELITE* subscription for the first month https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post show, IT'S EVEN WORST THAN WE THOUGHT- I make him call his parents, and things go off the rails... Submit proof of purchase at https://hammerelite.com for reimbursement. ▶▶ *MAJOR ANNOUNCEMENT* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ plus you get the cookbook signed by me when you join! ▶▶▶Download the *DollarWise 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. You can go to my link https://aura.com/hammer to try 14 days for free. That’s enough time for Aura to start scrubbing your personal info off these data broker sites, automatically #sponsored Go to https://meetfabric.com/CALEB and apply today, risk-free Helium Mobile: Sign up (even for the FREE plan) & get $10 in Cloud Points with code CALEB: https://app.heliummobile.com/o6WA/vdqufw1r Download Cash App Today: https://capl.onelink.me/vFut/huu2u4ia #CashAppPod *Referral Reward Disclaimer: As a Cash App partner, I may earn a commission when you sign up for a Cash App account. #ad ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 ▶▶▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay 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 1. *I'VE MOVED MY INVESTMENTS FROM MOOMOO* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 3.5% IRA Match, 12-month Wall Street Journal subscription, and 30 days of Webull Premium. 2. 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 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 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. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 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

That's the Zendesk AI effect. Find out more at Zendesk.com.

0:15.1

To watch episodes of Financial Audit a week earlier, check us out on YouTube.

0:18.5

He claims your guys instead of you being a new mom in your mental

0:21.1

health I was even looking for second and third jobs like working at retail and he wasn't even

0:25.9

looking anywhere was there any thought in your head of like no longer being there there was

0:30.4

definitely the thought how close were you percent that's huge yeah he's not being a man

0:35.2

you said it straight up yeah camera elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pin comment below and submit proof and purchase at Hammer Elite.com.

0:55.7

After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries.

1:00.5

This is the best membership you'll ever join. That's a promise.

1:05.7

Hi, my name is Kylie. I'm 34.

1:08.1

Hi, my name is Timothy. I'm 33 and we are from Las Vegas. And this is Financial Audit. All right, age liar. What else are we going to lie about? Kylie, welcome. Thanks for coming in from Las Vegas, guys. Kylie, you're in front of me right now? Yes, I am. So I want to know what you're doing for a living. I service life insurance policies and annuities. Cool. What are you making? Could be money. It's like $23 an hour. It's okay money. Las Vegas, up and down on the price scale. Certainly make it more affordable compared to the states next door, but definitely has gone up in price since the pandemic for sure.

1:46.1

What hits your account on a monthly basis from this job?

1:49.4

We're looking at probably $2,600 net.

1:53.4

Okay, cool.

1:55.0

And you, Mr. Timothy, hopefully a correct answer, real answer?

2:00.6

I am an architectural concept and interior designer.

2:06.3

Okay.

2:07.5

It's either $0 or a lot of dollars, typically.

2:10.4

So which one is it in this case?

2:12.6

It's monthly.

...

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