Financial Audit

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 No one likes you 02:22 What's up? 04:14 Paycheck to paycheck 05:36 $2 IN CHECKING ACCOUNT!!! 08:00 Giving everyone money, when you have no money... 10:45 So-called "savings" 13:00 Credit card debt... 18:55 It's time to get help! 21:33 Let's build a budget 27:40 CLEAN THIS UP 31:20 This is going to take a long time... 34:45 You need to sacrifice to get there! 43:45 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 rent 01:45 EXPENSIVE public transportation 02:46 She has a spending addiction! 04:10 Spending EVERYTHING on Uber Eats!! 06:05 This is STUPID spending!!!!!!!!! 08:30 This is so unhealthy... 11:00 YOU NEED A WAKE-UP CALL 12:10 Taking out payday loans... 13:50 You need serious help 14:30 Credit score 14:50 Missing her credit card payments!!! 20:50 Student loans 22:15 STOPPED PAYING ON HER DEBT!!! 26:45 THIS IS INSANE 29:51 Time to clean up this MESS 32:25 Owing her mom THOUSANDS of dollars!!! 34:32 This is going to be so hard... 37:59 You need serious help 41:01 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 His "business" 02:30 Owning just a tiny % 03:50 Are you even making money?!?! 05:10 Does this business make money? 07:30 How are you even surviving?! 08:36 Betting everything on his business 10:10 Is there a plan?? 11:10 Throwing away your retirement!!! p1 13:07 Don't compare yourself to others!!!! 14:22 Throwing away your retirement!!! p2 15:30 What are you guys even doing?! 19:37 YOU HAVE NO MONEY!!!!!!!!!!!!!! 23:05 STUPID CREDIT CARD DEBT 25:50 YOU CANNOT AFFORD FOOD!!!!! 27:14 Credit score 27:45 On a MORTAGE with your FAMILY?! 31:00 His car is ruined and needs a new one... 32:10 It's time to SACRIFICE!! 36:00 The ignorance of personal finances 39:13 Clean this up... 43:03 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

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 Unemployed 02:05 leaning on others to afford life 05:03 How long are you going to accept this life? 08:58 $100 a week before all of this 10:00 Checking account and runway... 14:15 TERRIBLE view of life 18:15 YOU ARE BEING IMMATURE 21:50 STOP COMPLAINING ABOUT WORK!!! 27:00 He refuses to do anything besides be a comedian... 28:45 Student loans from a SCAM school 31:20 How long until you GROW UP? 32:45 You're throwing away your ENTIRE financial future! 39:19 You're putting yourself over your children... 45:44 You actually have to work!!! 43:45 YOU DON'T UNDERSTAND!!! 59:44 Good luck dude... 01:02:10 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 05:10 She will never be able to retire 07:20 Her ex-husband destroyed her credit!! 09:45 Income decreasing?? 12:20 Checking account and ODD mortgage with her parents 14:14 Credit cards and spending (more troubles with her ex) 17:52 Most stressful way to manage money ever! 20:28 Savings losing her money? 25:00 Starting over on retirement at 45 because of ex!! 32:58 PAY OFF THE CAR DEBT TODAY 33:48 Credit score recovery 36:20 It's time to start cleaning up this mess... 43:00 Trying to pay for 4 kids' college... 50:09 It's time to get back on track! 59:16 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 01:08 Drowning in debt from the past 03:38 Checking accounts and where money goes 04:53 He's trying to correct her budget 06:50 Checking accounts continued 08:09 Random savings? 09:23 TERRIBLE CREDIT CARD DEBT 12:42 Retirement... with 1.8% interest... 15:13 $18,923 CRAZY DEBT 17:00 Going to school all of a sudden??? 19:48 Control your money! 21:48 IT'S TIME TO GET REAL 22:55 DEBT ON A CAR FOR HER BOYFRIEND!!!! 26:20 IT'S TIME TO GET REAL p2 32:48 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 (what job?) and income (what income???) 04:09 Starting a new business (pyramid scheme...) 05:44 From making millions to having $0 to his name 09:18 You have NO MONEY!!!! 14:12 Dying with $0 17:00 losing a ton of money on a job 19:26 WAIT, NEGATIVE MONEY?! 23:55 Collections and terrible credit score 30:27 Pyramid scheme p.2 35:00 Being evicted from their house 38:18 Hidden debts... 39:09 Pyramid scheme p.3 43:57 Are you going to survive?! 47:35 I'm terrified for your future... 51:33 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 03:00 Stopped going to college... 05:17 Do you want to be a server for the rest of your life?! 08:31 No plans to survive ... 09:45 Car debt, through her ex!! 12:30 Checking account and hidden debts 15:18 Credit cards and a lot of spending 19:22 Credit score 22:15 She refuses to act like an adult... 26:00 You're acting like an immature child! 28:00 You need to turn your life around... 30:00 You are SUCH A CHILD!!! 31:09 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

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 Are you even making money? 03:45 How are you even surviving? 04:55 Not paying taxes... 07:40 Can you actually become an actor?? 09:19 Dropping out of college... 12:58 Overdrafting his checking account! 19:02 You can't afford to not work!!! 21:53 Credit score and limits 24:00 Not prepared for an emergency 25:30 Not willing to sacrifice for his well-being at all 30:00 What are you going to do after the 99.9% chance you don't make it? 33:24 WORK A JOB! 34:20 Getting a degree and having a career 36:12 You choose wants over needs... 40:00 Closing your brain off to critical thinking! 41:42 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