Financial Audit

THE WEEK BEFORE COMING ON THE SHOW, THEY WENT INTO INSANE DEBT FOR SOME TIKTOK FURNITURE AND THEY HAVE SIX MONTHS TO PAY OFF OR IT BLOWS UP...... AGHHHHHH THIS POST SHOW IS INSANE, Watch here: ➡️ https://bit.ly/chpostshow 🎉 Black Friday: Save HUGE on Courses, Community, and more: https://calebhammer.com/specials 🎉 Black Friday: 20% OFF Site wide on ALL merch: https://shop.calebhammer.com/ 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/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://chime.com/calebhammer ============================= *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 https://zocdoc.com/caleb to find and instantly book a top-rated doctor today. ============================= 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Sheeesssss *THE WORST* - I even tried to make a budget in the post-show, but she made me fully crash out. So much so that I had to call in a special guest... Papa Gut... Watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/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://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use code HAMMER35 to get a 20% OFF discount directly on Plaud products in the links below. This is the biggest discount of the year—save on your BFCM shopping now! @PlaudAI - Plaud NotePin: https://bit.ly/4pi3Ao8- Plaud Amazon: https://amzn.to/4l95VzP#blackFriday #BFCM #plaud Start speaking a new language in 3 weeks with Babbel 🎉. Get up to 55% OFF your subscription here: https://Babbel.com/caleb Download the free e-book demystifying AI at https://netsuite.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://chime.com/calebhammer 👉 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 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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 11:17 shes deluuuuusional 25:40 not the sharpest tool in the shed 36:55 calebs kinda tweaking ngl 52:05 hello pot, meet kettle 01:08:11 DIE DIE DIE 01:22:34 hes so close to losing it lol ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= *Connect with me!* ============================= TikTok: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Oh wow, the texts and voice notes between him and his ex are CRAZY AF--- you need to watch this post show... Watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/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://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Head to https://DRINKAG1.com/CALEB to get a FREE Welcome Kit with an AG1 Flavor Sampler and a bottle of Vitamin D3 plus K2, when you first subscribe! ============================= 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://chime.com/calebhammer 👉 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 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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 ============================= ============================= 👉 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

This is legit scary... we went through his emails more in the post show, and we found that he stalked our casting producer, Lindsey, the day she got hired (which was not public info)... this is legit f*cked up- watch here: ➡️ https://bit.ly/chpostshow 🎉 Black Friday: Save HUGE on Courses, Community, and more: https://calebhammer.com/specials 🎉 Black Friday: 20% OFF Site wide on ALL merch: https://shop.calebhammer.com/ 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/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://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Go to https://ro.co/caleb to see if your insurance covers GLP-1s—for free. Start banking smarter today through Chime® and get up to a $350 bonus here: https://chime.com/caleb Thanks to Chime for sponsoring this video! Thanks to Henson Shaving for sponsoring this video! Head to https://hensonshaving.yt.link/RggFJtz and use code calebhammer to receive 100 blades for free (2+ years worth). Just make sure both products are in the cart for the code to take effect. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shayla, a 25-year-old paralegal student and household manager, joins the discussion alongside her spouse, Cooper. They delve into the intricacies of their financial dynamics, including Shayla's $200 allowance and the impact of Cooper's recent job loss. The duo confronts their substantial $46,941 debt, the risks of their borrowing habits, and their plans for home ownership versus renting. Caleb challenges their spending habits, highlighting the lack of savings and the consequences of their financial choices.

Caleb dives into financial chaos with guest Nova, whose mixed finances led to an IRS review. They discuss the pitfalls of blending personal and business expenses, revealing some shocking spending habits, like a $7,000 couch. Practical tips emerge for financial organization, including setting up separate accounts and budgeting. The dangers of credit card misuse and the stress of IRS notices highlight the urgent need for better money management. A call to prioritize debt and savings over impractical spending wraps up the candid discussion.

Jason, a 29-year-old data freight analyst from Houston, opens up about his struggles with debt and unemployment. He discusses living with family and the surprising expenses that come from seeking guidance from a mystic. Delving into spending habits, Jason admits to prioritizing concerts over bills and highlights his side hustle attempts through OnlyFans and plant sales. As Caleb challenges him on his financial choices, the conversation intensifies, revealing a stark need for accountability and a realistic plan to tackle his impending debt.

Join us for the post-show! The producers and I reflect on the conversation and give our brutally honest opinions. Watch here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/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://chime.com/calebhammer ============================= *Our Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Thanks to Henson Shaving for sponsoring this video! Head to https://hensonshaving.yt.link/YJaiJ6g and use code calebhammer to receive 100 blades for free (2+ years worth). Just make sure both products are in the cart for the code to take effect. ============================= *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 ============================= *Gretchen Whitmer's socials* ============================= Instagram: https://www.instagram.com/gewhitmer/ Facebook: https://www.facebook.com/GovGretchenWhitmer YouTube: https://www.youtube.com/@governorgretchenwhitmer/featured Twitter: https://x.com/GovWhitmer TikTok: https://www.tiktok.com/@biggretchwhitmer Threads: https://www.threads.com/@gewhitmer ============================= *Check Out My Resources* ============================= 👉 I'VE MOVED MY INVESTMENTS TO 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://chime.com/calebhammer 👉 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 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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* ============================= Learn more about your ad choices. Visit megaphone.fm/adchoices

WAIT WAIT WAIT- after the application to be on the show (the documents we used) now *SHE HAS BUILT UP SEPARATE DEBT* This is insane, I need to punch something: Watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/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://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= 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* ============================= 👉 I'VE MOVED MY INVESTMENTS TO 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://chime.com/calebhammer 👉 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 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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 Learn more about your ad choices. Visit megaphone.fm/adchoices

In a gripping discussion, Stephanie shares her journey from teaching swim lessons to grappling with emotional burnout. The conversation takes a turn as she explains her husband's anti-immigration views and his troubling arrest. They delve into her political evolution and the racially charged dynamics of prison life. Humorously, Stephanie ranks her neighbors while addressing safety concerns. Caleb challenges her spending habits and advocates for a solid financial plan, all culminating in a potential inheritance opportunity that could change her financial future.