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Financial Audit

This Has Never Happened Before | Financial Audit

Financial Audit

Caleb Hammer

Education, Investing, Business, Self-improvement

4.4894 Ratings

🗓️ 17 September 2025

⏱️ 93 minutes

🧾️ Download transcript

Summary

▶ In today's post show, we talk about his GF... she's fully enabling him and he's milking her dry... It's disgusting. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ ▶▶▶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. ▶▶▶▶ *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 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. 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/ ___________________________________________ ▶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 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 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 ▶*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. Loved by over 10,000 companies, Zendesk AI agents easily deploy in minutes to resolve 30% of interactions instantly. That's the Zendesk AI effect. Find out more at Zendesk.com. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You don't give a shit about anything finances. I assume I'm the smartest guy in the room as soon as I walk in.

0:23.2

You've got to prove me you're not an idiot.

0:24.4

Are you serious? earlier. Check us out on YouTube. You don't give a shit about anything finances. I assume I'm

0:21.6

the smartest guy in the room as soon as I walk in. You got to prove me you're not an idiot. Are you

0:24.6

sure you're the smartest guy in every room? I like to think so. Your research isn't leading anywhere. I don't see value mixed in with net worth. Like yes, so retirement fund is just go ahead. Can you Explain that to me, please.

0:34.0

Networth is just trivia.

0:35.0

You know, if you want to be the smartest guy in the room,

0:36.9

actually listen so that you can respond to the things that are being said.

0:41.2

The to me, please. Net worth is just trivia. You know, if you want to be the smartest guy in the room, actually listen so that you can respond to the things that are being said. The tools to change your life have just been upgraded. Download my budgeting app, re-branded to Dollar Wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else,

0:54.5

and I'll personally sign it and mail it directly to you.

0:57.1

Download the dollar-wise budgeting app today and take advantage of your free trial.

1:02.7

Hi, my name is Caleb. I am 33 from Las Vegas, Nevada, and this is Financial Audit.

1:09.1

Thanks for coming over to Financial Audit, Caleb with a K, traitor of the race of Caleb. What do you do for a living? I'm an IT manager. Yeah, you are. Yeah, I look at it, huh? You look at. What do you make it? Because you also look like you make a lot of money being an IT manager. After taxes, I take home $6,000 a month. Okay, he makes good money.

1:28.5

Listen, Vegas, interesting situation.

1:31.0

Definitely a boom town slowed down a lot since, you know, recession fears,

1:35.6

spendings have gone down.

1:37.6

But either way, boomtown's more expensive than it was, still not overly expensive

1:41.2

compared to most things on the western side of the United States.

2:17.5

How you live in on that $6,000? Quite comfortable. I can't complain. Okay. Good. Why the fuck are you on this show then? My spending is quite wild. I am a self-proclaimed, boogey bitch. I got to have the latest and greatest of everything. Then how is your, you can't complain? Yeah, I'm comfortable. So you're not worried about it? I'm well-informed, so I have a very strict line of where my finances are. Okay, what's the exact number down to the cent that your debt is? 35,400 change. And change. Close as I can get you off the top of my head. 35,000, okay. Are well informed. Let me confirm, because I don't know. I go blind with the audience. But if you're going to set yourself up with that, it is 35,844,0.30. So pretty close for what it's worth. Okay.

2:36.3

Actually, that's actually a total debt because there is an extra debt.

2:40.3

So it's $36,143 in 99 cents.

2:41.6

But still pretty close.

...

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