Financial Audit
Caleb Hammer
Personal finance nerd at heart! Making content to entertain and educate. Want to be on the show? Email us at casting@calebhammer.com Sponsorship and business inquiries: business@calebhammer.comGet new episodes a week earlier on our YouTube channel!
Episodes
Mentioned books
Jul 14, 2023 • 1h 12min
$1,000 In Minimum Monthly Payments Are Ruining Her Life
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jul 8, 2023 • 53min
$1,000 Truck Payment With No Job
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jul 7, 2023 • 46min
Taking Out Student Loans To Buy Fast Food 3 Times A Day
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jul 6, 2023 • 52min
31-Year-Old Immature Woman Refuses To Take Responsibility
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jul 5, 2023 • 48min
31-Year-Old With More Debt Than Anyone Should Ever Have
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jun 30, 2023 • 51min
He Has $2 In His Checking Account!
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jun 21, 2023 • 48min
24-Year-Old Is Drowning In Terrible Decisions
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jun 19, 2023 • 50min
24-Year-Old Is Throwing Away His Entire Future
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jun 14, 2023 • 1h 9min
29-Year-Old Comedian Refuses To Grow Up
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
Jun 13, 2023 • 1h 6min
45-Year-Old Lost ALL Of Her Money
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 castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ 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
