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

?Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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?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

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

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

3) Money Makes Cents: https://www.youtube.com/@centsmakesmoney/videos

3) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
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?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

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?Do you want to be in a Financial Audit? We film on weekdays in our studio located in Austin, Texas (in person only)! Fill out this brief survey if you are interested: http://calebhammer.com/apply
Any questions? Email casting@calebhammer.com
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Chapters:

00:00 Job and income
04:35 The cost of fun at 27
06:35 Rakuten
09:00 So you DO have a degree
15:17 Girl is on something
19:47 Please be joking’
26:19 She is honestly impressive
29:19 I called her DAD ????????
32:45 She’s “working on it”
38:00 This is ridiculous
44:40 How do you live like this?
50:24 This isn’t LIFE
52:37 Two new things for you!
53:15 Let’s see the truth!
55:20 You need a budget (Makes no money)
1:05:05 Hammer Financial Score

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?Sponsorship and business inquiries: business@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.
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?*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 don’t come much cheekier than Tommy. This 20-year-old bank clerk is a self-confessed shopping addict. In the two years since he started working, he’s managed to land himself with a credit card debt of £14,500, a monstrous debt which is eating up his modest take-home salary of £10,000. Tommy’s passion for the high life has plunged him deep into the red.

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#OnlyHuman #Spendaholics #ShoppingAddiction