It Finally Happened.. | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4 • 894 Ratings

🗓️ 18 July 2025

⏱️ 92 minutes

🔗️ Recording | iTunes | RSS

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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 THE FREAKIESTS AND NASTIEST THING EVERRRRR- her exes used to PAY her to peg them... and it got so freaking crazy and f'd up... 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. Streamline your workflow with real-time transcription and AI-powered summaries. PLAUD NotePin is the best wearable AI note-taking device I have used to save time and boost efficiency. PLAUD NotePin (Official, 22%OFF with the code "CALEB22") - https://bit.ly/4eJhJ9R PLAUD NotePin (Amazon) - https://amzn.to/4l95VzP 🎙️ Automate Your Meetings & Calls with Plaud Notepin! Go to https://meetfabric.com/CALEB and apply today, risk-free Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶▶▶▶ *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 ▶▶▶▶▶▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 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. *I'VE MOVED MY INVESTMENTS TO WEBULL* 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 ▶EXTRA 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. My socials: https://stan.store/calebhammer 3. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: business@calebhammer.com 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.
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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	You've affirmed DoorDash Chick-fil-A.
0:20.7	It was like $40.000. Oh, we're not affirming DoorDash. Why the f*** would I pay $40?
0:27.0	In one payment. I could split it into four. We knew it would fucking happen in the show.
0:32.6	Here it is. Are you kidding me? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it.
0:41.9	Three exclusive dedicated shows every single day, Monday through Friday.
0:45.5	And for the rest of the month, I am paying for you to sign up.
0:48.3	Sign up for Hammer Elite in the description or pin comment below and submit proof of purchase at hammerleet.com.
0:53.7	After that, I'll send you a $10
0:54.7	digital gift card that can be spent basically anywhere and in most countries. This is the best
0:59.3	membership you'll ever join. That's a promise. Hi, my name is Lucia. I'm 22 and I'm from
1:07.0	Houston, Texas, and this is the financial audit. Well, thanks for coming over to Austin. I'm from Houston, Texas, and this is the financial audit.
1:13.9	Well, thanks for coming over to Austin.
1:15.7	I'm happy to have you on the show.
1:17.1	What are you doing in Houston for a living?
1:23.9	I am a client service coordinator for a specific bank, or I can't say the bank name.
1:26.3	Very vague, but okay, that's okay. That's okay.
1:27.0	What are you making? I make about $40,000 a year. Okay. Houston ain't cheap and it ain't the most expensive. About $40,000 is going to be hard. How you doing? How are you doing in Houston than that? It's a little rough, you know? I could get paid more, honestly. If you could, why aren't you? I think that I deserve to be paid more, but they don't really, they only give me a dollar every year. You know, like hourly, they just give me a dollar more every year. They hate you? Well, it's not that they hate me. They really do, they do like me. What did you eat for breakfast this morning? Watermelon. Who did you almost send it to? My coworker. And why? Because I was thinking of him. And what race is he? I don't think that matters. What do you mean by that? So they're paying you $40,000 a year because they hate you. Okay.
2:18.6	Right.
	...

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