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Financial Audit

She's Going To Die In Poverty

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 12 August 2023

⏱️ 48 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 Job and Income 04:00 SOFI 06:04 Your car was repo'd?! 09:50 WHAT A MESS 15:25 How is this possible?! 19:50 Spend spend spend... 26:00 Learn how to use a savings! 27:30 You need to budget! 29:50 CLEAN UP THIS MESS 38:42 Your income needs to not suck 46:13 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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0:15.1

My name is Danny. I'm 26 and I'm based in Tulsa, Oklahoma, and this is financial audit.

0:20.2

What do you do in Tulsa for your living?

0:22.9

I'm a dog groomer.

0:24.9

Oh, my dog literally needs that right now.

0:27.6

You have absolutely no idea there's so many stickers stuck in his long fur.

0:31.6

It's the season.

0:32.7

Oh, my goodness.

0:33.8

Okay, very cool.

0:34.7

What are you bringing in?

0:37.3

Not very much right now. I moved from Washington to Tulsa.

0:43.0

Washington State, D.C.? Yeah, Washington State.

0:46.3

And I was making almost 3,000 a month. I was in a higher volume salon. Now I'm doing my own self-employment between two different

0:56.7

salons. So I'm bringing in post-tax, like maybe $1,700 right now. A month? Yeah.

1:06.6

That's hard. Okay. Jeez. Now you're W-2ed, so. I know, I'm 1099. So that's after putting it a little bit aside. Yeah. Which, at this income, I mean, it's not going to honestly have to be much in terms of taxes. Yeah. But, yeah. Wow. Well, right off the gate, what's your rent? We split it, so my rent is 600. Who do you split it with?

1:30.4

With my partner, Jaden. Oh, okay, cool. So 600. Well, I'm glad Tulsa's apparently insanely cheap.

1:38.7

It's not too bad. We're not in the best neighborhood, but it's what it is. Is it safe? Are you safe?

1:44.0

Yeah. There? Okay. And I mean, that's what matters. As long as you're safe, then I'm good with living in a cheap place for a bit. That's 35% of your take home. So that's definitely more than we want. We want 30 to be the extreme max in like a proper financial ecosystem of life.

2:02.0

And you were beyond that.

2:03.6

Yeah.

...

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