*JOIN FOR FREE* - I am personally paying for your Hammer *ELITE* subscription for the first month ➡️ https://bit.ly/chpostshow Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post-show, I go over his resume, and it's a complete mess... PLUS the extra gay one keeps trying to get in the way, and I LOSE MY SH*T!!!

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=============================
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Master Your Money with Caleb Hammer
=============================
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=============================
*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://secure.moneymatchup.com/350-bonus
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👉 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
00:59 The Gays Have Jobs & Incomes
07:10 They’ve Been Having Issues For A While
22:00 What Does The Communication Look Like?
34:59 There’s A Timeshare They Don’t Even Use
38:23 Why Choose THIS One
45:40 He Spoils Him With BestBuy..
56:11 He Is Delusional
01:05:43 The Other One Is A Problem Too
01:12:10 Deferred Interest Goes Brrr
01:15:06 They’re Getting That Road Glucky Glucky
01:29:26 The Gays Have A House.. But Theres More (Solar Panels)
01:24:05 They Have Cars Too! (It’s F*cked)
01:27:42 Bullsh*t Spending Left & Right
01:31:29 Of Course There’s Affirm
01:34:24 Back To Bullsh*t
01:37:18 Let’s Build A Budget!
01:40:32 Post-Audit Plan
=============================
Want more content?
=============================
🍿Caleb Hammer LIVE: / @calebhammerlive
🍿 Financial Audit Follow-Ups here: / @financialauditfollowups

=============================
*Connect with me!*
=============================
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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

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

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🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
🔥 Get Your Own Hammer Financial Score → https://hamr.link/FAquiz
=============================
Check Out My Resources
=============================
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/publi...
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb
=============================
Want more content?
=============================
🍿 Financial Audit: / @calebhammer
🍿 Caleb Hammer Clips: / @calebhammerclips
🍿 Front Page Documentaries: / @frontpagechannel
=============================
Connect with me!
=============================
TikTok: / calebhammercomposer
X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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

💰 Change your life like 10's of thousands have with the budgeting app that'll finally get you on the right track- download and take the free trial: https://bit.ly/46fiDYP

*I CALL HER SISTER* - she fully confirms what we discussed in the episode... It's disgusting, and it's time for a MAJOR change. Watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 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://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:50 Caleb Springer, Baby!!
07:00 Chat, Don't Do Dr*gs (And Wear Condoms)
10:15 She's F*cking Vile... Lets Whiteboard It
16:50 HE FOUND OUT WITH A BABY MONITOR??? LOL
21:35 I Would Call CPS Too!!!
25:50 She's Collecting The Infinity Stones Of Trashy..
31:37 Let's Call The CURRENT Boyfriend (He's A F*cking Loser)
34:30 I Too Rely On Tax Refunds To Save My Life
38:30 What A Little Soy Boy
45:30 She Did NOT Just Do That In The Studio
54:40 LATE ON THE MORTGAGE???!!!
57:00 How Lazy Can You Be???
01:04:00 SINCE SEPTEMBER
01:11:00 Thank God She Used To Be Good With Them!!
01:13:45 Jumping Spiders??? Wtf
01:15:28 She Owes Money To EVERYONE
01:22:30 I Don't Think Caleb Likes Her
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
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X: 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

Get up to $350 with Chime®: https://chime.com/caleb Thanks Chime for sponsoring this video!

💰 *ENDING TODAY* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

He could not share this during the main episode... and it's disgusting. The amount of financial abuse this man is doing to his dad is disgusting, watch here: ➡️ https://bit.ly/chpostshow

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=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 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://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
*Sponsors for This Video*
=============================
=============================
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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:24 Why Arkansas??
02:15 Jobs & Income
03:55 50-Year-Old Man With.. Fomo??
07:50 That's Pretty Odd Ngl
10:19 Oh My God, His Dad Beyond Enables Him.
13:40 So He Doesn't Wanna Marry Her.. HMMMM
17:40 She's Not Connecting The Dots lol
20:16 I Really Don't Like These Two
28:10 I Love It When They Can't Get Their Lies Together lol
33:30 Wake Up LADY
36:37 She Loves Being Pregnant???
39:39 Maybe She's Staying To Keep Getting Spoiled?!?!?
43:33 13% Interest Rate Is GOOD??
52:05 Why Are YOU Here?
59:00 I Don't Think Caleb Likes Them
01:14:07 She Didn't Ask ANY Questions??
01:22:23 Valid Crashout Tbh
01:29:21 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

🍿 This is crazyyyyyyy- we could not talk about this in the main show, but she fell into *THREE CULTS* before this guy... this post-show is insane. Watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

💵📱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

💸🤑💰 *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/

🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB

___________________________________________
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▶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)

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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

___________________________________________
Chapters:

00:00 Intro
06:00 and it begins
17:39 what is that green dot on her nose
36:32 oh sh*t
50:59 cant make this up
01:02:44 HR showed up, everyone hide
01:12:50 :camera_with_flash: 4K
01:29:41 get her OFF THE ROAD

___________________________________________
▶More Content 🍿🎥📺🎞️🎬

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
▶EXTRA

1. My socials: https://stan.store/calebhammer

2. 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

❤Please consider using your hype points to help boost this video on the platform😊

If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/....c/7273707/3841482/23 to submit a claim now.

💰 Get Your Personalized Loan Offers at https://Calebhammer.com

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👀If you refer a friend, you get an additional 30 days FREE on the App

💸 Download the Hammer Elite App today: https://hammerelite.com/

=============================
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP
=============================
*Check Out My Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
Want more content?
=============================
🍿 Financial Audit: https://www.youtube.com/@CalebHammer
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

*SHE REVEALS HERSELF IN THE POST SHOW* and we do a tour of the party bus, and it is the most ghetto trash sh*t I've ever seen in my life lol watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com (discounted annual)

Check out https://lelo.to/F2sXCALEBHAMMER and use my code CALEB20 for 20% off, stackable with current discounts and deals!

50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join
=============================
👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-websit

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb

🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz
=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78

Check out Zocdoc and stop putting off those doctors appointments. Go to http://zocdoc.com/caleb to find and instantly book a top-rated doctor today.

If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/....c/7273707/3841482/23 to submit a claim now.

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
02:05 this isnt a poly thing lol
04:00 100% disability, who wouldve guessed it!!
08:24 buddy ignored the 30+ employees he walked past LMFAO
11:00 sooo everyone here is a bum?
13:45 someone call the IRS
20:50 so our asian friend is getting fleeced?
30:49 the passive aggression is kinda wild LMAO
38:10 oh boy we gave him a marker
41:42 theyre funneling through cashapp HAHAHA
43:50 okay this ricky guy and his fiance are just bad at business, straight up.
57:30 shes such a girl boss!!!
01:07:20 oh brother so many words that mean nothing
01:11:05 paying taxes is only for white people?????
01:15:00 LMFAAAO GIRL BOSS SPEAKING FOR HER MAN
01:22:10 chat would you work for these people?
01:29:20 the undeserved ego is actually insane.
01:40:40 temu on the business card, wow!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

💸 Download the Hammer Elite App today: https://hammerelite.com/

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
🔥 Get Your Own Hammer Financial Score → https://hamr.link/FAquiz
=============================
Check Out My Resources
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv
👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
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👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5
=============================
Want more content?
=============================
🍿 Financial Audit: / @calebhammer
🍿 Caleb Hammer Clips: / @calebhammerclips
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=============================
Connect with me!
=============================
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X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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

❤Please consider using your hype points to help boost this video on the platform😊

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

💰 Get Your Personalized Loan Offers at https://Calebhammer.com

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🎁WE LAUNCHED The Brand New Hammer Elite App
👀If you refer a friend, you get an additional 30 days FREE on the App

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💰 Get Your Personalized Loan Offers at https://Calebhammer.com
=============================
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP
=============================
*Check Out My Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
Want more content?
=============================
🍿 Financial Audit: https://www.youtube.com/@CalebHammer
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

WE CALLED HIS DAD and the convo is wild; he literally thinks his dad is going to disown him just like they did his sister... watch the post show: https://hamr.link/ytjoin OR download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank

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=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
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=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer

If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/....c/7273707/3841482/23 to submit a claim now.

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://bit.ly/41mr8OP

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.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
=============================
*Chapters*
=============================
00:00 Intro
01:20 Jobs & Income
03:50 theyre both so easy lol
07:00 thank god for the whiteboard
12:30 HOW HARD IS IT TO BE LOYAL
17:45 chat, do we believe that their relationship is "different" from the rest loooL
21:00 the whiplash of topic changes is kinda crazy
29:00 she has "friends" he doesnt have to worry about lol
32:40 wonder what else shes hiding...
41:00 hes actually so pathetic lmao
53:00 bullsh*t bullsh*t bullsh*t
01:08:50 $10,000 DOWN THE DRAIN???
01:18:20 imagine still owing cause of an ex loool
01:33:45 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

💸 Download the Hammer Elite App today: https://hammerelite.com/

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
🔥 Get Your Own Hammer Financial Score → https://hamr.link/FAquiz
=============================
Check Out My Resources
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv
👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL
👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5
=============================
Want more content?
=============================
🍿 Financial Audit: / @calebhammer
🍿 Caleb Hammer Clips: / @calebhammerclips
🍿 Front Page Documentaries: / @frontpagechannel
=============================
Connect with me!
=============================
TikTok: / calebhammercomposer
X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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

💰 *ENDING NEXT WEEK* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

*I CALLED HER EX WHO SHE BLAMED EVERYTHING ON* and he does not hold back, he completely exposes her BS and explodes... it's crazy, watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
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=============================
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://secure.moneymatchup.com/350-bonus
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👉 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
01:15 Job & Income
04:00 How Is This All His Fault?
11:36 She's Allowed To Vote btw
18:25 Went To LA After The Breakup??? HMMM.
25:30 She's Getting A Degree.. TO Make Less Money LOL
36:00 It's Like Pulling Teeth lol
47:40 The Balance Is EVEN HIGHER?!
51:30 The World Is NOT Out To Get You
57:24 She's Too Good For Sandwiches??
01:01:25 A Credit Card For Tuition Is Gnarly lol
01:10:55 Swifties Sure Are Something
01:16:50 Exposing Her Screen Time Is Wild
01:24:00 Yeah, Sell That Sh*t
01:28:24 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

💰The Brand New Hammer Elite App & Hammer For Life Box launches June 1st
Get first access by joining our waitlist: https://hamr.link/waitlist

*HE WAS GIVEN A LOAN OF 16,000* - and what did he use it for??? ALL DOORDASH... this is insane, watch the post show here: ➡️ https://bit.ly/chpostshow

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP
======================
=============================
👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-websit

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb

🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS
=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP

=============================
*Check Out My Resources*
=============================
👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-youtub
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
01:25 Job & Income
03:15 Chat, Is He An Influencer?
07:30 Bros Kinda Cooking Caleb ngl
09:50 Shoutout Elon Musk
13:50 Financial Audit's First AI Bro lol
18:40 Vibecoding Final Boss..
31:30 Conveniently Doesn't Know How Few People Are Waitlisted lol
35:50 He Somehow Gets Dumber And Dumber...
45:20 In Minecraft, HE MEANS IN MINECRAFT
48:00 Bro Got Fumbled Like A Football As A Baby
55:15 Calebs Getting Tyler To Drink Random Powder LOL
59:00 Bro Hired A Team From Fiverr..
01:01:30 I Too Support Deporting The Guest
01:11:45 HE DRINKS AND DRIVE TOO
01:20:15 Bro Really Comparing Himself To Elon Musk
01:29:30 Chat, Do We Like Our Friend Here?
01:42:40 Hammer Financial Score?
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

▶SHE LIED... but it was, sad?? For one of the cards, her homeless mom kept taking money from her and we can't find her in Austin... watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶Download my *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. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*

▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5

Use the Caleb Hammer credit card finder for free today to find the credit card for your needs, powered by Agent.Ai : https://agent.ai/agent/Caleb-H....ammer-Credit-Card-Fi

Want an inside look at my investment portfolio? Follow me on Blossom Social to see how it’s broken down! 📊💰👉 https://blossomsocialapp.page.link/calebhammer

Click this link https://j.moomoo.com/Caleb to get up to $150 in cash rewards from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!!
Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky.

▶▶▶Download my *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/channe....l/UCLe_q9axMaeTbjN0h

___________________________________________
▶EDUCATION:

1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/

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. 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

2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer

3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

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. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/

9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb
All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.
___________________________________________
▶OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips

___________________________________________
Chapters:

00:00 Intro
00:42 Job & Income
06:15 lol
12:51 English is very hard
18:08 disgustingly spoiled
27:15 this is her reality
34:11 AN ENGAGEMENT RING?!
50:28 "oh no"
01:01:30 PULL UP THE APP
01:14:39 she hasnt learned her lesson.
01:26:51 Budget Time!!
01:30:59 Hammer Financial Score

___________________________________________
▶EXTRA

1. My website: https://calebhammer.com/

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

Any questions? Email:
casting@calebhammer.com
___________________________________________

▶Sponsorship and business inquiries: business@calebhammer.com

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun

*WTFFFFFFFF THIS POST SHOW IS CRAZY* - 1- I call the person he was stalking to warn her that he is still being super creepy, and 2- we learn he was kicked out of the military for watching P*RN ALL NIGHT EVERY NIGHT- watch here: ➡️ https://bit.ly/chpostshow
=============================
👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-websit

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb

🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS
=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78
Get the free business guide, Demystifying AI, at https://netsuite.com/HAMMER.
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP

=============================
*Check Out My Resources*
=============================
👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-youtub
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
01:30 Job & Income
11:00 Chat, Is He The Good Or Bad Guy? Place Bets Now.
27:20 Womp Womp
30:20 We READ HIS TEXTS
38:00 Brp Folded Under 0 Pressure lol
44:00 He Helped The Homeless (And Stalked Him After)
53:00 Hes Falling For Calebs Bait So Hard LOL
56:40 More Texts!!
59:00 We Called His Friend (she had a lot to say)
01:13:00 He's Just Full Of Bad Decisions lol
01:29:20 Bro Wanted A Job But Didn't Know What We're Hiring For lol
01:31:00 Bullsh*t Bullsh*t Bullsh*t
01:34:30 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

▶1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching
_______________________

▶Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme

2) *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.

3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: https://mintmobile.com/hammer

5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Rules For Not Being A (bad word): https://www.calebhammer.com/rules

3) Merch: The most fun website: https://shop.calebhammer.com

_______________________

▶My socials: https://linktr.ee/calebhammer

▶️ 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
_______________________

▶Sponsorship and business inquiries: bunsiness@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun

*I MADE HER CALL AND CONFRONT HER SISTER* - She's fighting paying back the money she owes, she is such a piece of sh*t... I'm so pissed, watch the post show here: ➡️ https://bit.ly/chpostshow
=============================
👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-websit

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb

🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS
=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP

=============================
*Check Out My Resources*
=============================
👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-youtub
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
01:40 Jobs & Income
06:00 They're Not Very Bright lol
08:00 Nut Shopping On Facebook Is WILD
11:40 Actually Disgusting... Pregnant With NO PLAN?
15:00 Modern Women Are The Worst lol
27:00 Chat, I Give Their Marriage Another Year
41:25 Cleary Nothing They've Been Doing Has Worked
48:30 They Got Caleb To Start Tweaking lol
59:00 Bro Really Said "We Gotta Eat"...
01:05:00 Anyone Else Hate The One In Blue?
01:15:00 THREE MONTHS LATE ON A MORTGAGE??? (sorry for her loss)
01:20:30 I Can See Caleb's Patience Slipping lol
01:29:08 Budget!!
01:34:19 Hammer Financial Score!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

🍿 woooowwwwww now she's borrowing money from her dad to pay her own mortgage... this is just so gross. It's exposed in the post show, watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

💵📱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

💸🤑💰 *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/

🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB

___________________________________________
▶SPONSORS:

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 a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer

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

___________________________________________
Chapters:

00:00 Intro
10:19 DAAAMN
23:00 but wait, theres more!
35:40 wtf
52:20 again.. wtf
01:04:36 to lesbian or not lesbian
01:21:36 they always owe money to the IRS

___________________________________________
▶More Content 🍿🎥📺🎞️🎬

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
▶EXTRA

1. My socials: https://stan.store/calebhammer

2. 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

▶I found out they OWE DEBT for the wedding now and it RUINS EVERYTHING... watch the post-show here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/

Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER

Check out the top CD rates here https://money.com/caleb-cds on Money.com to find secure, steady, and smart options for your money today!

▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/

2) The best budgeting program online: https://calebhammer.com/budget

3) Get my investing class and I’ll give you a $100 moomoo cash reward: 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) 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 8.1% APY, and up to 3.5% IRA Match.

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Intro
01:33 Jobs & Income
11:05 "not at the time"
14:45 oh no, theyre disney adults..
20:04 dramatic vine boom
24:53 theyre in a CULT
30:09 calebs tweaking again
40:09 this isnt their first rodeo
47:51 this amount of spending is ridiculous.
01:00:11 runs a small business that gets no business..
01:07:16 BULLSH** BULLSH** BULLSH**
01:14:24 Budget Time!
01:19:11 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

Go to my sponsor https://aura.com/hammer to get a 14-day free trial and see if any of your data has been exposed.

▶THE PRODUCERS CAME IN AND TOLD ME THAT THEY ARE ONLY SURVIVING BECAUSE THEIR PARENTS GIVE THEM MONEY.... I AM PISSSSSEEDDDD, watch the post show here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶Download my *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. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*

▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5

Go to my sponsor https://aura.com/hammer to get a 14-day free trial and see if any of your data has been exposed.

Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER

▶▶▶Download my *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/channe....l/UCLe_q9axMaeTbjN0h

___________________________________________
▶EDUCATION:

1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/

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. 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

2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer

3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

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. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/

9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb
All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.
___________________________________________
▶OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips

___________________________________________
Chapters:

00:00 Intro
00:56 Jobs & Income
06:39 "why are you f**ked?"
13:07 here she goes
22:04 they're not going to last
34:04 she's actually so delusional lol
40:56 SURPRISE!!
50:17 bro's setting her up
01:06:44 he snapped
01:26:22 Budget Time!!
01:31:05 Hammer Financial Score

___________________________________________
▶EXTRA

1. My website: https://calebhammer.com/

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

Any questions? Email:
casting@calebhammer.com
___________________________________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

▶they just fight fight fight, about gambling and gaming- they are at each others THROATS AGHHH watch post show here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶Download my *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. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*

▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual 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

Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

▶▶▶Download my *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/channe....l/UCLe_q9axMaeTbjN0h

___________________________________________
▶EDUCATION: *FINANAL LOW PRICE CHANCE*

1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/

2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget

3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula

5. *LAST CALL FOR 25% OFF* 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 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. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

6. 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)

7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

8. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/

10. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb
All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.

___________________________________________
▶OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips

___________________________________________
Chapters:

00:00 Intro
01:01 Jobs & Income
04:08 shes so open about it..
14:10 they're not prepared in the slightest
22:22 I too start to "cry" when faced with pushback.
30:36 casomewhatoh?
37:32 so much debt they didnt even send it all
45:15 lol
55:28 nt buddy
01:08:22 bro is not holding back
01:19:05 thats not nice
01:31:29 they owe money to EVERYONE
01:41:47 Budget Time!!
01:45:52 Hammer Financial Score

___________________________________________
▶EXTRA

1. My website: https://calebhammer.com/

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

Any questions? Email:
casting@calebhammer.com
___________________________________________

▶Sponsorship and business inquiries: business@calebhammer.com

Worry less about your credit and enjoy the holidays more with Kikoff. For a limited time, get your first month FREE. Go to https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us!

The credit building debit card: The first 10,000 people to sign up for Fizz with code: HAMMER10 get $10:https://www.joinfizz.com/caleb Now available on Android! (paid ad)

▶I do it... I call her *mom* and confront this INSAIN situation... no one could predict how crazy this was going to be, watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶Join us for the first-ever Financial Audit live in Austin, TX: https://calebhammer.com/live

▶Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/

▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/

2) The best budgeting program online: https://calebhammer.com/budget

3) Get my investing class and I’ll give you a $100 moomoo cash reward: 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) 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 8.1% APY, and up to 3.5% IRA Match.

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Intro
00:35 Job & Income
04:59 Does that make any sense?
08:38 Dramatic Vine Boom
12:41 Speech impediment
19:44 Im forgetful uwu
24:55 Shes not a cryer guys!!
28:48 But the rewards!!
33:04 "I never carry cash"
38:26 Erm well achtually :nerd_face:
43:02 Im calling your mom.
48:53 OPE
55:28 In WHAT WORLD
01:06:13 F**k your reason!!
01:13:11 Nothing but BS
01:20:57 lol
01:24:39 Budget Time!!
01:28:14 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

▶LIMITED TIME: Join our investing program at a $50 discount, and I will give you a $100 moomoo cash reward https://calebhammer.com/investing/ The price goes up next month. The first 250 will join me for an exclusive live stream going over my real estate investing portfolio and strategy!

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▶LIMITED TIME: Join my investing program and I will give you a $100 moomoo cash reward: https://calebhammer.com/investing/

Any questions? Email support@calebhammer.com

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com

▶Watch the Financial Audit Post Show: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

_______________________

▶Resources I use/would use (with discounts/sign-up bonuses):

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 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

5) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

6) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶Other channels:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

3) Money Makes Cents: https://www.youtube.com/@dolla....rwiseeducation/video

3) Finacial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Get your own Hammer Financial Score: https://www.calebhammer.com

3) Merch: The most fun website: https://shop.calebhammer.com

_______________________

▶My socials: https://linktr.ee/calebhammer

▶️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
_______________________

Chapters:

00:00 Job and income
03:44 Best investing class online!
05:00 So there’s more than one issue…
08:50 Aren’t you a cr*ckhead?
12:00 What the actual…
17:32 Let’s come back to Earth $$$
22:28 Okay we march into the debt!
27:00 This is insanity already
33:07 You went through BANKRUPTCY!
36:19 Netsuite
41:41 What is it with the jungle?! :herb:
46:08 Noah’s got this!
51:00 Be an adult!!!
58:20 Oh boy not the Grandma
1:01:26 WTF :sob:
1:07:07 She’s making me lose it
1:11:10 She’s sooo deflective
1:16:40 High Yield Savings
1:18:36 Budget time!
1:23:45 You need to figure life out NOW!
1:27:58 Give me a break…
1:30:00 Hammer Financial Score
_______________________

▶Sponsorship and business inquiries: business@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

▶4 people will win $250, fill out our community survey! https://forms.gle/UrKqAukoFacyq6Zc9

Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/CalebHammer and use my code CALEBHAMMER50 to get twice the number of video generation credits in your first month.

Watch this episodes POST SHOW here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

Fill out the survey here for a chance to win 1 of 4 $250 Gift Cards: https://forms.gle/RMwZ4KVoGisbrFWz9

▶EDUCATION:

1) The best budgeting program online: https://calebhammer.com/budget

2) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

3) Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

4) 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 8.1% APY, and up to 3.5% IRA Match.

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Debt negotiation: Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Finacial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Job and income
06:25 She doesn't have anything left?
11:50 Her kid is obsessed with food
16:20 Immediate lying...
20:25 YOU CAN'T JUST LAUGH!
25:55 Lol think again
31:30 Selective debt is wild
38:00 Oh this is not good
44:26 Her last two braincells, mine too
51:00 Sooo a Ponzi Scheme?
56:01 Let's hear your "progress"
1:00:30 Holy spending, Batman!
1:09:50 She needs a budget!
1:16:00 Clean up this mess...
1:21:25 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

*CRAZY POST SHOW* I called her mom, and everything goes off the rails. She *100% AGREES* with me... she goes *OFF* watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus

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=============================
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🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz
=============================
*Sponsors for This Video*
=============================
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=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
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=============================
*Check Out My Resources*
=============================
👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-youtub
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👉 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

=============================
*Chapters*
=============================
00:00 Intro
01:20 Jobs & Incomes
02:45 stay at home mom.. with no kids?
05:30 she doesnt even like bro lmaaao
16:40 chat, do we like her?
19:30 EEERM SHE SAID WHAT?
37:10 oooo hes hiding something
45:15 bro needs to run fr fr
01:00:30 "its just italy" lmaaao
01:11:40 they dont even talk to each, theyre cooked.
01:24:20 casually pulling out of his 401K LMAAO
01:29:30 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

▶ *GET YOUR OWN HAMMER FINANCIAL SCORE* - Want to see where you stack against our guest? Get your free Hammer Financial Score: https://www.calebhammer.com

▶ *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/

▶▶ It's time to confront the man... I pushed back on her all episode, now with my producers sharing *new* information about it, it's time to rage in the post-show... watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶▶▶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

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Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize!
#ad @Capitalize

▶▶▶▶▶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/channe....l/UCLe_q9axMaeTbjN0h

___________________________________________
▶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

___________________________________________
Chapters:

00:00 Intro
09:07 correlation??
20:04 thats her actual cat
33:16 TLDR;
45:30 hold up, wait a minute..
58:04 not the double down
01:10:23 she is not real lol
01:21:06 got her good

___________________________________________
▶More Content

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
▶EXTRA

1. My socials: https://stan.store/calebhammer

2. 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

💰 *Download Dollarwise- 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

I'M GOING TO *DIEEEEEEEEEEEEEEE* - They called their realtor back in the post-show, and they either closed or got their offer accepted??? I'm so confused, and they are so stupid- watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 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://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:28 Jobs & Income
05:30 From Christianity To Islam
13:45 Chat, You're All Muslim Now
18:12 Oh He's Just A Nerd
21:25 Walking Away Is Wild
28:19 The Jokes Write Themselves lol
32:20 OOOO He Snitchin'
36:50 Obesity Is Trauma?
38:20 Kinda Based NGL
44:25 TikTok Owns Her lol
50:30 Objectively He's Hiding Something
55:30 That Balance Is Ridiculous
58:30 Girl, Skincare Is Not Working
01:03:05 I Am Getting Metrosexual Vibes
01:19:00 "Everything Is Fine" While Having Affirm lol
01:32:07 Budget!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

Stop leaving yourself vulnerable to data breaches and brokers. Go to my sponsor https://aura.com/hammer to get a 14-day free trial and see if any of your data has been exposed

WAIT... is it really all his fault, now he's planning to spend THOUSANDS on a bday party instead of helping to get out of debt... I'M ENRAGED, watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶ Download my budgeting app today: https://calebhammer.com/app - don't overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out :)

Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER

▶▶▶ Download my budgeting app today: https://calebhammer.com/app

▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION: Bundle is 33% off and all courses are 20% off through March 3rd!

1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/

2) The best budgeting program online: https://calebhammer.com/budget

3) Get my investing class and I’ll give you a $100 moomoo cash reward: 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) Get your own free Hammer Financial Score: https://www.calebhammer.com
_______________________

▶RESOURCES

1) 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

2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.

Click this link https://j.moomoo.com/Caleb to get up to $150 in cash rewards from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply.

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/

10) Build you own stan store: https://www.stan.store/?ref=CalebHammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Intro
01:01 Job & Income
05:46 Caleb thinks hes Deadpool
10:10 thats now how we operate
18:31 "oh"
24:39 somethings not adding up
29:03 let's see
36:42 bro what??
44:17 that was a close one
55:24 bro doesnt even remember lol
01:02:22 Caleb dropping the tech
01:10:24 HES SPITTING
01:17:19 18?!?!?
01:24:20 what a joke
01:29:26 BUDGET!!
01:36:37 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

Huge thanks to Polymarket for sponsoring today's episode! Check them out at https://polymarket.com/ #ad

Even more auditing: https://patreon.com/cw/Allcraft
Caleb's Channel: https://www.youtube.com/@CalebHammer
Asmongold's Twitch: https://www.twitch.tv/zackrawrr
Rich's Twitch: https://www.twitch.tv/richwcampbell

FOLLOW-UP EPISODE HERE: https://youtu.be/Ulu0mb3RDE4?feature=shared

Click the link https://relayfi.com/calebhammer and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted.

Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

Watch this episodes POST SHOW here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) The best budgeting program online: https://calebhammer.com/budget

2) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

3) Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

4) 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 8.1% APY, and up to 3.5% IRA Match.

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Debt negotiation: Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

7) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!


8) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

9) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Job and income
09:50 How can you think this?
15:55 BIRTHDAY MONTH?!
23:00 Let's dig in
27:00 Yeah welcome to overdrafting...
29:12 It's a "Leo" issue ....
35:00 Lingerie incoming!
40:44 An AC subscription are you nuts?
46:33 Get him off the card!
52:35 Wow they thought it was worse...
1:01:10 Just end this!
1:06:30 That's one way to get furniture
1:09:55 Not even halfway through the debt!
1:18:25 You need a serious professional for all this
1:27:00 What are we doing with these books?!
1:31:00 They've ruined my day
1:36:25 Can we even make a budget?
1:41:00 Clean up this mess?!
1:48:24 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

❤Please consider using your hype points to help boost this video on the platform😊

🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch

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=============================
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🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡️Learn how to budget: https://bit.ly/4sspyGh
⚡️Learn how to invest: https://bit.ly/41mr8OP
⚡️Pay off your debt: https://bit.ly/41mr8OP
=============================
*Sponsors*
=============================
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*Check Out My Resources*
=============================
👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.co....m/chime-caleb-youtub
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.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

=============================
Want more content?
=============================
🍿 Financial Audit: https://www.youtube.com/@CalebHammer
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

Go to my sponsor https://aura.com/hammer to try 14 days and let Aura go to work protecting your private information online! #sponsored

💰 *Download Dollarwise- 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

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=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
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=============================
*Sponsors for This Video*
=============================

=============================
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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
04:00 The Worst Business Owner Ever lol
11:40 She Wants The Trad Life But Won't Compromise..
19:40 They Lost The House???
24:00 17 People Is BRUTAL
29:30 They Can't Even Afford Groceries...
31:20 She Paid For HIS Employees AND Utilities Cut??
38:10 Aaaand We're Subsidizing Them
41:50 An Adult Making Decisions!!
46:20 She Does NOT Want Them To Succeed lol
56:00 Flipping On A CC Is Wild Work HAHA
59:00 wtf is going on
01:05:00 The Crashout Is Building Up..
01:15:40 Mormon Brains Broken
01:19:40 Paid Tutorial For Giving Birth??
01:23:40 $34,000????
01:28:00 Being Late On The Mortgage Is Pathetic.
01:32:00 Let The Crashout Commence
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

Watch this episodes POST SHOW here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) The best budgeting program online: https://calebhammer.com/budget

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

4) Get your own free Hammer Financial Score: https://www.calebhammer.com
_______________________

▶RESOURCES

1) Webull description content
*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 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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 30 days of FREE trial 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
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Finacial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Job and income
05:50 Actually… it’s much worse…
09:08 She wants to get punched
16:00 She LIED to me
24:45 This lease is the devil
33:15 Holy living situation
39:00 No excuse for MISSING PAYMENTS
43:00 Oh please, what a train wreck
49:00 Soooo tax evasion
55:00 Wasting money on college…
1:00:13 Less excuses more action, please
1:05:50 HOW IS THIS JUSTIFIED!?
1:11:55 Explain yourself!
1:15:05 She needs a budget
1:20:10 So wahddaya think?
1:23:04 Let’s clean this up…
1:30:00 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

💰 Get a chance to win FREE money with Kudos → https://joinkudos.com/caleb
💸 Contest winner announced on January 31st!

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

▶1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching
_______________________

▶Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme

2) *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.

3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: https://mintmobile.com/hammer

5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Rules For Not Being A (bad word): https://www.calebhammer.com/rules

3) Merch: The most fun website: https://shop.calebhammer.com

_______________________

▶My socials: https://linktr.ee/calebhammer

▶️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
_______________________

▶Sponsorship and business inquiries: bunsiness@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

💸 Download the Hammer Elite App today: https://hammerelite.com/

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
🔥 Get Your Own Hammer Financial Score → https://hamr.link/FAquiz
=============================
Check Out My Resources
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
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👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5
=============================
Want more content?
=============================
🍿 Financial Audit: / @calebhammer
🍿 Caleb Hammer Clips: / @calebhammerclips
🍿 Front Page Documentaries: / @frontpagechannel
=============================
Connect with me!
=============================
TikTok: / calebhammercomposer
X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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

*I CALL HIS EMPLOYEE* and I fully expose his spending and behavior while he refused to pay. And guess what... shes a *single mother* watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

Mid-year audience survey *4 people will win $250 each* take it here: https://forms.gle/a9neyA9aQUtFp6vM9

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
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=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://bit.ly/41mr8OP

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
02:10 Jobs & Income
04:20 bro has SUPER nut
05:45 hes not paying his employees..
09:19 ah yes, lets draw out how stupid you are lol
15:00 chat, we got dumb and we got dumber
17:55 oh. they both get physical... A LOT.
43:30 chat, do you think they handle their finances well?
45:40 button pusher on VA disability... hmm.
48:08 HE GAVE ALCOHOL TO MINORS WHILE OVERSEAS???
59:48 theyre behind on the mortgage..
01:14:30 calebs sanity is pushing it's limit loool
01:25:50 surely he will only spend on business related purchases!!
01:34:12 budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

The Amazon Kindle Scribe feels just like writing on paper and helps keep pages of notes organized and easy to read. Get yours here https://amzn.to/4peFOKQ

And if you're a business owner like me, STOP making million dollar decisions alone. Join the Growth Boardroom today: https://contrarianthinking.biz/bdbr

What’s the #1 money habit that separates winners from losers? What stops the thousand small cuts you're making every single day that you refuse to see?

Caleb Hammer has reviewed thousands of financial disasters on his show Financial Audit, and he's breaking down the tactics that separates people who build wealth from people who stay stuck forever. From collections to car loans to OnlyFans subscriptions, he's seen it all. And in this episode, he's pulling back the curtain on what actually works, what's killing your future, and why most people would rather look rich than be rich.

In this episode, you'll learn:

* Why 40% of Americans can't afford a $400 emergency and how not having an emergency fund starts the debt snowball that destroys everything
* The 50/30/20 rule: 50% needs, 30% fun, 20% investing, and why people think Caleb is stingy when he's actually telling you to spend a crazy amount on fun once you cut the BS
* The real difference between people who change and people who don't: action words versus future words, and why I'm gonna means nothing if the documents show you aren't doing it now

___________

00:00:00 Introduction: Budgeting Is the Snowball That Starts Every Financial Disaster
00:00:52 The Red Flags: Collections, Repos, and the Death by a Thousand Cuts
00:06:14 The OnlyFans Economy: Loneliness, Parasocial Relationships, and Paying Indian Telemarketers
00:08:00 The Average American Is Broke: 40% Can't Handle a 400 Dollar Emergency
00:10:54 Budget or Die: The One Non-Negotiable Rule That Changes Everything
00:12:01 The 28 Dollar Lunch Debate: Avocado Toast, Death by a Thousand Cuts, and Owning Your Choices
00:13:45 Housing, College, and Health Care: The Three Things Actually Screwing Gen Z
00:19:38 The Car Trap: Why Americans Justify 1000 Dollar Payments for Grocery Runs
00:23:27 Dave Ramsey Is Wrong: The 1000 Dollar Emergency Fund and the 6% Withdrawal Myth
00:26:33 Bill Gates Doesn't Know the Price of Rice-A-Roni: The Disconnect of Wealth
00:27:45 The 100K Investment Blueprint: Target Date Funds, Index Funds, and Killing High-Interest Debt First
00:29:19 Pokemon Cards, Tulip Mania, and NFTs: Why Speculation Always Ends the Same Way
00:30:58 The Dumbest Investments: Gold Mines in Uganda, CDs, and Risk-Averse Spending Addicts
00:34:21 The SpaceX IPO: Trillion Dollar Valuation, NASDAQ Rule Changes, and Betting on Elon
00:37:43 Caleb's Origin Story: From Negative 90K in Debt to 250K Net Worth in Six Years
00:41:34 The Five-Step Blueprint: Budget, Find Your Market Fit, Kill Debt, Emergency Fund, Invest 20%
00:42:58 The 50-30-20 Rule: 30% on Fun Is Not Stingy, It's Generous as Hell
00:48:05 War Stories: The Streamer Who Made Two Cents a Month and Still Wouldn't Quit
00:50:49 The Car Defense: Why People Fight to the Bone Over a 40K Net Gain
00:51:31 Breaking Someone's Frame: The Kids Argument and the N-Word Incident
00:54:36 The Action Test: I'm Gonna Versus I Am—How to Tell If Someone Will Actually Change
00:55:28 28,000 Dollars in Debt Paid Off in 12 Months: The Financial Audit Success Rate
00:56:29 The Anchor Problem: When One Partner Drags the Other Down Financially
00:57:24 Couples Therapy, Prenups, and When to Walk Away from Financial Disaster
00:58:07 Underrated Purchases and Mint Chocolate Chip: The Flavor That Tastes Like Mouthwash
01:00:59 The Money Rule Caleb Struggles to Follow: Spend More and Take a Vacation
01:02:01 Hammer Elite: 110,000 Subscribers and Building a Premium Content Empire
01:02:54 Political Audits: Governors, Senators, and Why Newsom Said No
01:04:27 The Federal Debt Crisis: Pentagon Audits, Social Security Cuts, and the 25% Haircut in Five Years
01:04:57 Centrist Economics, Right-Wing Coded Jokes, and Why Both Parties Suck at Spending
01:09:27 The Final Word: Every Day You Wake Up, You Choose to Be a Retard or Not—Choose Wisely

___________

*MORE FROM BIGDEAL*

🎥 YouTube: https://www.youtube.com/@PodcastBigDeal

📸 Instagram: https://www.instagram.com/bigdeal.podcast

📽️ TikTok: https://www.tiktok.com/@big.deal.pod

*MORE FROM CODIE SANCHEZ*

🎥 YouTube: https://www.youtube.com/@CodieSanchezCT

📸 Instagram: https://www.instagram.com/codiesanchez

📽️ TikTok: https://www.tiktok.com/@realcodiesanchez

*OTHER THINGS WE DO*

🌐 Our community: https://contrarianthinking.typ....eform.com/to/WBztXXI

📰 Free newsletter: https://contrarianthinking.biz/3XWLlZp

📚 Biz buying course: https://contrarianthinking.biz/3NhjGgN

🏠 Resibrands: https://resibrands.com/

💰 CT Capital: https://contrarianthinking.biz/4eRyGOk

🏦 Main St Hold Co: https://contrarianthinking.biz/3YfGa8u

▶ She CAUGT him subbing to an endless amount of women on O F - she confronts him in this post show, watch here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/

Click the link https://relayfi.com/calebcashflow to enter Relay's $25K Cash Flow Glow Up Giveaway and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply.

Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER

Limited Time $3,000 Deposit Bonus - Lock in 7% with Silo Markets:
https://silomarkets.com/caleb

▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/

2) The best budgeting program online: https://calebhammer.com/budget

3) Get my investing class and I’ll give you a $100 moomoo cash reward: 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) 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 8.1% APY, and up to 3.5% IRA Match.

2) Checking & Savings: Get up to 3.75% APY, pay no account fees, and get your paycheck early when you sign up and set up direct deposits. Terms apply: https://clickurl.ca/caleb-chime

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Intro
01:24 Jobs & Income
06:09 He's more important than the children..
10:02 WAH WAH
19:01 She had NO idea
24:21 this can destroy relationships
29:47 dramaticvineboom.mp3
41:18 it doesn't even run lol
49:36 congratuf**kinglations
57:27 He's just lazy I guess??
01:05:32 "we just f**k around, f**k around, f**k around,"
01:11:53 He's an absolute creature
01:17:58 Budget!!
01:25:19 Hammer Financial Score

_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

Caleb Hammer is a financial advisor and content creator known for his popular show “Financial Audit” where he interviews real people about their spending habits.

Caleb Hammer joins Theo to talk about the origins of his show “Financial Audit” (and how it sprung from his own money issues), the number one thing Gen-Z is going into debt over, and his advice for finding your own financial security.

Caleb Hammer: https://www.instagram.com/calebhammercomposer/

-----------------------------------------------

Tour Dates! https://theovon.com/tour

New Merch: https://www.theovonstore.com

-------------------------------------------------

Sponsored By:

Celsius: Go to the Celsius Amazon store to check out all of their flavors. #CELSIUSBrandPartner #CELSIUSLiveFit

https://amzn.to/3HbAtPJ

BetterHelp: This episode is sponsored by BetterHelp — go to http://betterhelp.com/theo to get 10% your first month.

Shopify: Go to http://shopify.com/theo to sign up for your $1-per-month trial period.

Liquid IV: Go to http://liquidiv.com/theo at checkout 20% off your first order.

Factor: Go to http://factormeals.com/theo50off and use code theo50off to get 50% off your first box plus free shipping.

-------------------------------------------------

Music: “Shine” by Bishop Gunn Bishop Gunn - Shine

------------------------------------------------

Submit your funny videos, TikToks, questions and topics you'd like to hear on the podcast to: tpwproducer@gmail.com
Hit the Hotline: 985-664-9503
Video Hotline for Theo Upload here: https://www.theovon.com/fan-upload
Send mail to:
This Past Weekend
1906 Glen Echo Rd
PO Box #159359
Nashville, TN 37215

------------------------------------------------

Find Theo:
Website: https://theovon.com
Instagram: https://instagram.com/theovon
Facebook: https://facebook.com/theovon
Facebook Group: https://www.facebook.com/groups/thispastweekend
Twitter: https://twitter.com/theovon
YouTube: https://youtube.com/theovon
Clips Channel: https://www.youtube.com/c/TheoVonClips
Shorts Channel: https://bit.ly/3ClUj8z

------------------------------------------------

Producer: Zach https://www.instagram.com/zachdpowers
Producer: Nick https://www.instagram.com/realnickdavis/
Producer: Cam https://www.instagram.com/cam__george/
Producer: Colin https://instagram.com/colin_reiner

WHAT A MOOCHER!!! She's not even paying *TAXES* his is CRAZY, watch the post show here https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

*BLACK* *FRIDAY* *SALE* Bundle my budgeting, debt + investing program for 33% off: https://calebhammer.com/classpack/ PLUS a private Q&A

Click the link https://relayfi.com/calebhammer and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted.

Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.

Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply

Sign-up for Rakuten and get a $40 sign-up bonus: https://www.rakuten.com/r/CALEBH767

▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h

▶EDUCATION:

1) *BLACK* *FRIDAY* *SALE* Bundle my budgeting, debt + investing program for 33% off: https://calebhammer.com/classpack/ PLUS a private Q&A

2) *BLACK* *FRIDAY* *SALE* The best budgeting program online: https://calebhammer.com/budget 20% off

3) *BLACK* *FRIDAY* *SALE* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 20% off

4) *BLACK* *FRIDAY* *SALE* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 20% off

5) 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 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) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
_______________________

Chapters:

00:00 Job and income
05:20 What is going on here?!
08:54 I don't know whose side I'm on...
15:44 Where are we at today?!
21:53 Why stay homeless... What...
26:36 She's gonna end me!!!
31:29 Stop arguing!
35:00 Literally shut up...
40:06 Who would hire her?!
47:30 Her resume could use work...
51:07 This is your WHAT?!
57:07 Girl, you're a nightmare...
59:19 She's a brick wall ong
1:01:27 I think I broke her...
1:11:20 Can't you just find a parking lot?
1:14:32 She can't even function in society!!!
1:19:00 Costco sued her?
1:25:35 Please please stop...
1:30:13 Oh great...
1:32:37 Nah she's literally impossible...
1:35:49 Hammer Financial Score
_______________________

▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/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
Any questions? Email casting@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad
_______________________

▶Sponsorship and business inquiries: business@calebhammer.com

💰 Download Dollarwise: automatic connections, clean budgeting, incredible insights, and a free trial: https://bit.ly/46fiDYP

*I actually did it* - I went against EVERYTHING I believe in and for the first time in my life... gambled... I did a 100% real coin flip for $10,000- see who wins, watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
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🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
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*
=============================
👉 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://secure.moneymatchup.com/350-bonus
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb
👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:30 Aren't All Financial Audit Guests?
02:25 Income
02:55 Staff & Costs
06:30 $1K A Month Is Wild lol
08:00 So.. Paid In Experience?
08:50 He Gambled Away His $2M HOUSE?
10:45 Unstoppable Force Meets Immovable Object
15:30 He Is Gambling Incarnate
19:30 Chat, Is He Cooking?
27:15 Shoutout Gerd
29:00 He's Not Ready For The Worst Case Scenario..
33:15 He Essentially Calling Caleb The Lebron Of Finances
35:45 -$900,000 Just Like That???
39:20 What Are Some Goals?
46:38 Shoutout David Goggins
46:36 Unstoppable Force Meets Immovable Object
49:00 Don't Do Dr*gs Kids
54:20 Its The Free Use Credit Card LMAO
01:01:40 First Class? For EVERYONE? Love That.
01:04:00 I've Never Seen Before
01:11:15 I Too Hate Adulting -Mika
01:17:10 Honestly, He's Just A Nice Kid
01:21:45 $20,000 On UBER EATS
01:24:30 GEEERD
01:30:00 Mom And Dad Are Fighting
01:36:15 Gameplan
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

*THIS IS THE CRAZIEST POST SHOW WE HAVE EVER FILMED* we finally get him to tell his side by kicking her out, and the sh*t we find out that goes on at home between them is some of the most INSANE abusive stuff I have ever seen. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
02:59 she applied.. with another man???
04:04 shes his BUSINESS PARTNER?
05:28 AND THEY HAVE DV CHARGES WTF
10:58 4 kids already and she wants more..
14:28 bro needs to leave, SHE CONTROLS HIS MONEY TOO
17:53 she tricked him into grand theft??
25:18 everyone send this to the IRS
27:53 sounds like shes digging for some gold...
34:43 why is she stopping him from providing child support lool
42:53 aaaand confirmed gold digger.
56:48 chat, do we like her?
01:02:02 aaaand she tried kidnapping a child
01:08:59 not the grandma too ;--;
01:13:46 PAYDAY LOAN FOR THE TRUCK??
01:28:18 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

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

▶ *FREE BONUS EPISODES* - I am personally paying for your Hammer *ELITE* subscription for the first month https://www.youtube.com/channe....l/UCLe_q9axMaeTbjN0h Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post-show, he finally starts to grow a spine... after a quick break, he comes back, and he's ready to *finally* confront her...

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.

Download the free e-book “Navigating Global Trade: 3 Insights for Leaders” at https://netsuite.com/HAMMER

▶▶▶▶ *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/channe....l/UCLe_q9axMaeTbjN0h

___________________________________________
▶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 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

___________________________________________
Chapters:

00:00 Intro
03:24 men are such simple creatures
10:27 DAVID RAMSEY CAMEO
20:50 the traps been laid
30:58 what are the editors doing
40:35 Yaaaay
52:00 calebs heart is gonna collapse
01:02:39 he WHAT
01:19:09 theyre doomed

___________________________________________
▶EXTRA

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

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

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

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

▶1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching
_______________________

▶Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme

2) *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.

3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: https://mintmobile.com/hammer

5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Rules For Not Being A (bad word): https://www.calebhammer.com/rules

3) Merch: The most fun website: https://shop.calebhammer.com

_______________________

▶My socials: https://linktr.ee/calebhammer

▶️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
_______________________

▶Sponsorship and business inquiries: bunsiness@calebhammer.com
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

*I AUDIT HER RESUME IN THE POST SHOW* It was legit worse than Brint's hahaha it was the funnest crappiest things I've ever seen. watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

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*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

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*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://bit.ly/41mr8OP

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
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👉 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

=============================
*Chapters*
=============================
00:00 Intro
01:30 Jobs & Income
03:30 bros just throwing her under the bus IMMEDIATELY LOL
09:15 D1 coach with little league play.. rip
12:10 her business is so special!!
17:00 bros cooking her HAHA
22:22 oh theyve split before...
40:05 okay i can see why he filed, im exhausted listening to her lol
46:02 whats bro doing on his phone??
54:00 chat, is she not tiring
01:11:30 women and logic, am i right fellas (this is satire)
01:15:20 youre not special girl, get another JOOOOB
01:33:00 no accountability..
01:39:33 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

💰 *ENDING NEXT WEEK* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

WAIT *WTF* - We found HINGE and BUMBLE premium on her phone, and she is messaging men behind his back like crazy. This is an insane post show... watch here: ➡️ https://bit.ly/chpostshow
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*Sponsors for This Video*
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Master Your Money with Caleb Hammer
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*Check Out My Resources*
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👉 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
01:40 Jobs & Income
04:00 So He Subsidizes Them
06:10 And He Controls Them?
14:29 That's F*cking Crazy
21:25 DRAG HIM CALEB
27:04 Caleb's Classic Trap lol
30:45 Oh She Isn't A Saint Either
33:30 Degrees Aren't The Answer To Everything
39:15 His Family Is Beyond Toxic.
45:50 D1 Packpedal
54:32 Grown Woman BTW
01:01:45 oop she got triggered quick
01:09:50 The Jokes Write Themselves lol
01:21:00 Performative Champagne Socialist Fr Fr
01:34:00 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

*I AUDIT HER RESUME IN THE POST SHOW* It was legit worse than Brint's hahaha it was the funnest crappiest things I've ever seen. watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer

For the first time ever you can try NetSuite Next for free. Go to Netsuite.ai/HAMMER

Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/CALEB #sponsored
=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://bit.ly/41mr8OP

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
01:30 Jobs & Income
03:30 bros just throwing her under the bus IMMEDIATELY LOL
09:15 D1 coach with little league play.. rip
12:10 her business is so special!!
17:00 bros cooking her HAHA
22:22 oh theyve split before...
40:05 okay i can see why he filed, im exhausted listening to her lol
46:02 whats bro doing on his phone??
54:00 chat, is she not tiring
01:11:30 women and logic, am i right fellas (this is satire)
01:15:20 youre not special girl, get another JOOOOB
01:33:00 no accountability..
01:39:33 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

*THIS IS THE CRAZIEST POST SHOW WE HAVE EVER FILMED* we finally get him to tell his side by kicking her out, and the sh*t we find out that goes on at home between them is some of the most INSANE abusive stuff I have ever seen. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/netw....ork/hammer-media/aut
👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/netw....ork/hammer-media/deb

=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
02:59 she applied.. with another man???
04:04 shes his BUSINESS PARTNER?
05:28 AND THEY HAVE DV CHARGES WTF
10:58 4 kids already and she wants more..
14:28 bro needs to leave, SHE CONTROLS HIS MONEY TOO
17:53 she tricked him into grand theft??
25:18 everyone send this to the IRS
27:53 sounds like shes digging for some gold...
34:43 why is she stopping him from providing child support lool
42:53 aaaand confirmed gold digger.
56:48 chat, do we like her?
01:02:02 aaaand she tried kidnapping a child
01:08:59 not the grandma too ;--;
01:13:46 PAYDAY LOAN FOR THE TRUCK??
01:28:18 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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

💥 Don't forget to SUBSCRIBE ➞ ➞ https://www.youtube.com/@Caleb....HammerTopVideos?sub_

💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

💸 Download the Hammer Elite App today: https://hammerelite.com/

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
🔥 Get Your Own Hammer Financial Score → https://hamr.link/FAquiz
=============================
Check Out My Resources
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
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👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL
👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5
=============================
Want more content?
=============================
🍿 Financial Audit: / @calebhammer
🍿 Caleb Hammer Clips: / @calebhammerclips
🍿 Front Page Documentaries: / @frontpagechannel
=============================
Connect with me!
=============================
TikTok: / calebhammercomposer
X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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