Financial Audit

Sign up and get 30 days of FREE trial when using promo code CALEB at https://hellohelium.com/.* *Disclaimer: Paid advertisement. Data is unlimited but speeds may be slowed after 30GB usage per billing cycle. Additional taxes and fees apply. See terms and conditions. https://hellohelium.com/plan-terms-and-conditions ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:11 Why... why why why :( 05:27 Mint Mobile 06:17 This is absolutely terrible... 10:18 THIS IS ALL BS 14:40 You're not taking care of yourself 16:00 Im scared for you... 17:28 IT JUST GETS WORSE 22:47 Why are you doing this?? 30:11 Keeping it from her husband... 34:24 You need to BUDGET 37:04 She's F'd 40:13 This can't be real... 43:40 This is terrifying 46:55 Please turn your life around! 50:23 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:20 No! Already?1 05:10 Kudos 06:55 The IRS wants their money! 12:47 What a Mess 17:19 SPEND SPEND SPEND 22:05 ...Im scared for you 28:20 Justification Justification Justification 33:10 Please Stop.... 38:25 You Need a Budget 42:25 Will you actually pay your taxes? 45:53 Please just do this 50:20 Clean up this mess 56:35 Final Thoughts 57:03 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Visit NetSuite.com/HAMMER to get your own KPI Checklist. ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected]▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/_______________________▶Resources I use/would use (with discounts/sign-up bonuses):1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link2) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer3) 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/hammer4) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected]▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/_______________________▶Resources I use/would use (with discounts/sign-up bonuses):1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer4) 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/hammer5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Learn more about your ad choices. Visit megaphone.fm/adchoices

Go to https://meetfabric.com/CALEB and apply today, risk-free! ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶DIRTY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Try Rocket Money for free: https://RocketMoney.com/caleb #RocketMoney #personalfinance ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶DITRY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶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: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 _______________________ Learn more about your ad choices. Visit megaphone.fm/adchoices

Protect your online privacy and security NOW and for free thanks to our sponsor Aura: https://aura.com/hammer ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶DITRY MONEY: Get dirty with us ;) https://shop.calebhammer.com/dirty ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Our other channels: 1) Vlogs: https://www.youtube.com/@calebhammervlogs/videos 2) Weekend Workplace Podcast: https://www.youtube.com/@WeekendWorkplace/videos 3) Money Makes Cents: https://www.youtube.com/@centsmakesmoney/videos _______________________ Learn more about your ad choices. Visit megaphone.fm/adchoices

Visit https://Netsuite.com/HAMMER to get your own KPI Checklist. ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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) Get your own Hammer Financial Score: https://www.calebhammer.com 3) Merch: The most fun website: https://shop.calebhammer.com Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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) Get your own Hammer Financial Score: https://www.calebhammer.com 3) Merch: The most fun website: https://shop.calebhammer.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Use code HAMMER50 to get 50% off your first Factor box at https://bit.ly/3GF7Hqf! ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 _______________________ Learn more about your ad choices. Visit megaphone.fm/adchoices

▶Protect your online privacy and security NOW and for free by checking out today's sponsor, Aura: https://aura.com/hammer ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶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: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] SoFi wants to help you take charge of your financial future, so they are giving one of you a grand prize of $5,000. All you have to do to enter is sign up for free credit score monitoring with SoFi by visiting https://sofi.com/calebinsights ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 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 [email protected] ▶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: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] Thanks to SoFi for sponsoring this episode! See if rates are competitive and if you can save money on your student loans by going to https://www.sofi.com/caleb ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] Try Rocket Money for free: https://RocketMoney.com/caleb #rocketmoney #personalfinance Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] Protect your online privacy and security NOW and for free by following my sponsor Aura: https://aura.com/hammer Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected] ▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/ _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link 2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: https://j.us.moomoo.com/00Cqzn -For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z 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 _______________________ Learn more about your ad choices. Visit megaphone.fm/adchoices

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Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:12 Worst relationship in the world 09:25 This is more important than finances 11:42 SOFI 13:48 You don't have the income for this! 24:22 Holy checking account! 28:53 There's no excuse with this spending 34:18 AURA 38:14 You need a budget! 44:06 Please just do this 50:00 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps:00:00 Job and income 03:22 Diving right in! 07:22 What are we doing? 09:07 Do you even care? 14:47 Sondermind 19:32 What is your life, dude? 22:26 What does your GF have to say about this? 27:02 Smoking reality away 30:52 Here's your budget 34:14 Just follow this... 36:10 Credit Rating 41:10 What if it all goes South? 51:06 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 06:30 Already with the excuses 10:22 This isn't looking good for you 14:50 Opus Clip 19:35 Your debt is haunting you 26:08 Don't you want to be free? 32:48 Your spending doesn't help 37:24 Last chance for survey! 40:44 So much BS 44:22 You need a budget! 49:26 Let's fix this! 53:24 SOFI 58:42 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:16 What is your mentality? 07:50 You're not making NEARLY enough 11:23 You don't have this 15:09 SOFI 19:02 Your parents are killing you 22:06 Endless spending! 28:25 Bring the hammer down on them 33:04 Your needs are over 80% 36:08 Here's the plan 40:46 AURA 44:59 It's THAT bad 50:17 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 06:00 That is an expensive kid 10:10 SOFI 13:13 Your debts are INSANE 19:15 Why did you need this loan?! 23:00 Stop using credit cards! It's done 26:30 Owning a fashion store in Milan?! 31:40 Your savings is honestly silly 36:34 So you made a budget huh? 39:35 You gotta figure out this retirement 40:18 AURA 43:40 Another kid?! 48:34 Let's sort this out 57:11 Hammer Financial Scor --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon:⁠ ⁠https://www.patreon.com/calebhammer⁠⁠ My socials:⁠ ⁠https://linktr.ee/calebhammer⁠⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:36 Living out of his car! 07:07 The vicious mental cycle 10:37 SOFI 14:30 How did we get here?! 17:55 You need to work NOW! 22:15 We have to overcome this 27:05 Merch 30:13 This is why we need therapy 34:35 AURA 36:08 Time to get active! 37:40 You need friends, bro 41:14 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 06:20 Take responsibility for your work 12:59 Dude, what's going on here? 15:25 What even is your resume? 19:48 He's living a fantasy! 24:26 I'm going to lose it 32:26 Do you even care? 37:27 Let's get some reality here 41:36 He's dying on the Walmart floor 45:56 AURA 48:13 I'm just scared for you, man 52:48 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 06:05 And that’s why we go hard on people 12:47 SOFI 17:25 Wow that changes things 20:15 Says he doesn’t spend money on BS… Okay 17:27 I’m scared for your future 29:18 You need to budget 35:18 How are you surviving? 39:04 You might need to sell the house…. 41:49 Aura 47:19 This is what I’d do 50:27 Time to bust A** 53:33 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:06 You make no money! 09:27 This is a mess 13:45 Stop using credit cards! 18:12 This is the worst bank to borrow from! 24:30 Spend Spend Spend 28:58 You need to budget! 35:40 Clean up this mess 44:05 Car problem from hell 52:10 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 06:08 Rocket Money 09:02 Please no... 15:00 Dude you have TERRIBLE debt 20:45 Spend spend spend 27:00 Why are you using credit cards? 35:00 At least you have this... 38:35 You need to budget! 42:39 Your expenses are INSANE! 44:06 Let's clean up this mess 49:15 Please just do this 54:11 What are we doing here? 1:06:05 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 05:52 Oh give me a break 09:50 I'm scared for you already 14:40 What a mess... 23:42 This is getting interesting 25:25 Spend Spend Spend 32:58 Do you even care? 34:28 You need to budget 40:40 Clean up this mess 48:55 Please just do this! 1:01:19 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:08 SOFI 07:24 Did you really need this? 11:15 Spend spend Spend 16:21 That must be rough 19:17 You need to budget 27:06 Please just do this 31:57 Clean up this mess 37:00 Absolutely not! 40:54 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon:⁠ ⁠https://www.patreon.com/calebhammer⁠⁠ My socials:⁠ ⁠https://linktr.ee/calebhammer⁠⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 04:58 Factor 09:41 What a mess 12:58 Why are you BS spending?! 17:47 What's your problem?! 22:53 You need to budget 27:11 Please just do this 30:10 Your imported car is a problem! 33:26 Clean up this mess 37:50 Im scared for you 44:22 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 05:39 Student Loan Consolidation 06:51 Your degree is useless 10:02 What a mess... 15:41 Spend Spend Spend 17:39 There's MORE?! 21:30 More BS spending 26:36 You need to budget! 29:38 CLEAN UP THIS MESS 35:15 This is WILD 40:28 Please just do this... 44:13 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:00 SOFI 06:04 Your car was repo'd?! 09:50 WHAT A MESS 15:25 How is this possible?! 19:50 Spend spend spend... 26:00 Learn how to use a savings! 27:30 You need to budget! 29:50 CLEAN UP THIS MESS 38:42 Your income needs to not suck 46:13 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:38 So that's why you're in debt 11:18 What a mess... 15:00 You were addicted :/ 19:01 This is DEATH 23:40 SPEND SPEND SPEND 27:22 Checking for Diabetes 31:00 You need to budget 35:10 He's F'd... 40:00 Clean up this mess 51:52 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:39 Opal 06:06 What a mess 11:07 Pay your taxes! 17:10 SPEND SPEND SPEND 20:32 I'm scared for you 23:10 You need to budget! 26:10 Are you serious? 31:10 Clean up this mess 36:22 Please just do this... 43:19 Don't even think about it 49:18 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:30 I mean... hardly what you think... 07:54 Spend Spend Spend 12:50 Please STOP STOP STOP 17:00 I'm scared for you... 20:50 This is a mess!!!! 24:42 You need to BUDGET 28:30 What a Financial Position! 34:00 Clean up this MESS! 39:04 Please just do this... 43:42 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 06:00 Already a mess! 12:00 I'm scared for you... 14:45 What a MESS 17:30 Spend Spend Spend... 20:30 She's F'd 23:50 MAKE IT STOP 28:38 Please just do this 30:00 You need a budget! 35:00 Your rent is KILLING YOU 36:44 Clean up this mess!!! 45:20 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon:⁠ ⁠https://www.patreon.com/calebhammer⁠⁠ My socials:⁠ ⁠https://linktr.ee/calebhammer⁠⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 05:21 Aura 07:19 Diving into BS Spending 12:35 Spend Spend Spend 18:20 Im Scared for you 21:36 Taking out Debt for Apple Games?! 25:39 Welp there's that... 29:36 Please No 33:39 You Need a Budget 36:15 Let's Clean up this MESS! 42:19 He can Do it 42:44 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and Income 04:49 Rocket Money 06:49 Ooppe… 10:00 Stupid debt! 12:05 INSANE spending 17:59 SPEND SPEND SPEND 22:57 Cut them up! 28:32 What a mess… 29:32 ITS TIME TO BUDGET! 33:40 He's F'd… 38:24 Please just try this… 45:55 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 03:50 INSANE spending... 06:38 WHY?! WHY?! WHYYYY 09:51 Maxing out EVERY credit card possible 15:00 SPEND SPEND SPEND 19:36 Oh sure, let's just add some CAR DEBT too! 21:30 This just sucks... 23:22 BURN THEM ALL 26:27 You need to budget! 30:28 time to clean up your mess... 40:06 I'm scared for you... 44:00 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 02:40 Her finances are really bad! 04:15 OVERDRAFTING 04:30 Public 06:05 OVERDRAFTING p2 08:50 HOW CAN YOU POSSIBLY JUSTIFY THIS 11:40 She wants to do YouTube 12:55 No retirement... 18:35 DISGUSTING personal loan! 23:35 Terrible credit car debt... 25:32 I made her cry 32:25 More credit card DEBT 38:40 I'm scared for your future... 46:00 COLLECTIONS 48:40 Budget, budget, budget! 54:45 CLEAN THIS UP 01:04:40 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 How he get's his monies 02:32 His parents moved in with him... 04:50 Debts, debts, and more debts! 06:07 Terrible trauma... 09:06 Checking account 10:15 STUPID credit card debt! 22:06 INSANE TRUCK DEBT AND MOTORCYCLE DEBT 27:20 These debts are CRAZY! 30:45 SELL THIS TRUCK NOWWW 34:32 Time to clean this mess up... 40:30 This is going to take a LONG time! 46:21 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Do you even know how much money you make?! 03:11 Graduate school 05:19 You look like... 05:54 Very bad spending! 06:55 GOING OUT TO EAT THREE TIMES A DAY 16:53 F YOUUUUU 17:35 Why holding CC interest?! 20:10 WHAT ARE YOU TALKING ABOUT 22:54 Very weird mortgage?? 27:30 Clean up this mess! 34:00 Get your crap together... 39:27 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job, income, and school 03:30 Why do you even have a mess?? 07:40 You're CHOOSING to be immature 09:13 WHAT ARE YOU DOING 14:25 You're being STUPID! 17:30 What are you talking about?! 20:00 THIS DEBT IS STUPID. STUPID!!! 31:35 YOU'RE DROWNING 36:20 Clean this up... and GROW UP 42:00 I don't think you're going to fix a single thing... 47:46 Hammer Financial (pain) Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠ My socials: ⁠https://linktr.ee/calebhammer⁠ Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps:00:00 Job and income 01:49 MESS MESS MESS 03:30 Wasting all his money on FOOD! 07:15 CREDIT CARD INSANITY!!! 11:48 WHY DID YOU DO THIS DON'T DO THIS WHAT THE FFFFFF 16:34 Teeth debt... 17:19 Car debt! 20:18 PLEASE DON'T RUIN YOUR LIFE LIKE THIS!!! 27:58 German 28:24 ENDLESS EXPENSES 31:50 Get out of this mess... 36:55 Just SACRIFICE! 41:09: Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices