This Has Never Happened Before | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4 • 894 Ratings

🗓️ 5 December 2025

⏱️ 91 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

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 Sheeesssss *THE WORST* - I even tried to make a budget in the post-show, but she made me fully crash out. So much so that I had to call in a special guest... Papa Gut... Watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use code HAMMER35 to get a 20% OFF discount directly on Plaud products in the links below. This is the biggest discount of the year—save on your BFCM shopping now! @PlaudAI - Plaud NotePin: https://bit.ly/4pi3Ao8- Plaud Amazon: https://amzn.to/4l95VzP#blackFriday #BFCM #plaud Start speaking a new language in 3 weeks with Babbel 🎉. Get up to 55% OFF your subscription here: https://Babbel.com/caleb Download the free e-book demystifying AI at https://netsuite.com/HAMMER ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 11:17 shes deluuuuusional 25:40 not the sharpest tool in the shed 36:55 calebs kinda tweaking ngl 52:05 hello pot, meet kettle 01:08:11 DIE DIE DIE 01:22:34 hes so close to losing it lol ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= *Connect with me!* ============================= TikTok: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://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

Click on a timestamp to play from that location

0:00.0	To watch episodes of Financial Audit a week earlier, check us out on YouTube. The world is out to get me. What are you saying? The whole world's against you. Every time I'm up, something happens trying to bring me back down. What the fuck is happening? You got issues, dude. I could die tomorrow. You're going to Disneyland? That's what you're doing? That's my final trip before I lock in. It's a Disney adult type of logic. No, I'm not a Disney adult, no. Your 20s are for having fun. I'm having fun. Black Friday starts now. Master your money, my only one personal finance membership, is finally live. It is every single course I've ever made, exclusive content,
0:38.0	and a member's only community. Click the link below and become the member of the best money
0:41.6	membership on the planet. I'll see you inside. My name's Lily. I'm 26. I'm from Orlando,
0:46.9	and this is Financial Audit. Yes, it is. Thanks for coming over to Austin. What are you doing
0:52.3	Orlando for a living? Um, I have two jobs. I'm a server and a brista. Okay. Almost the same jobs, except not really. One's a little more tip focused, but very service industry. And they both pay the same. After tips and everything? Like not. No before. Well, like hourly. Yeah. Okay. So like they pay because people do leave tips, they will pay me the same as a server to save on money.
1:17.3	Yeah, what's that tip wage that you get at the barista job?
1:19.8	I think they get away for like 12.
1:22.2	Oh, that's your pre-tip wage at both places?
1:25.3	Server 12?
1:26.3	Well, now a serving, it's 10.
1:28.3	Well, you know, those aren't the same wages. Practically, $2. Well, yeah, but come on. I mean, you're making... I'm worth more than $2 an hour. Sure, but again, in those positions, it's mostly tips that you're getting that is making the difference. Okay, but... Right? The first thing you do it every day is get coffee, something, a pastry.
1:46.9	Wouldn't you want that day to start off with a happy barista who's paid well? Sure. And if you're not happy, you won't be there and someone else who's happy will be. It's interesting how that works. I mean, yes, I would like you to have a job that pays well. But again, when a job is
2:02.8	more tip focused, for example, I moved to Austin, Texas, you know, not that many years ago for a
2:08.2	sales job. I made $30,000 a year. You can't live in Austin on $30,000 a year. It's because it was a
2:13.8	sales job commission. I made $100,000 a year because I killed it because I'm good at sales.
2:19.6	Was that your cap?
2:21.0	No, there is no cap.
2:22.4	I mean, it was over 100.
2:24.6	Okay?
2:26.0	It's because I'm good at that.
2:27.5	Okay.
2:27.9	I'm good at working.
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Caleb Hammer, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Caleb Hammer and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.