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My socials: https://linktr.ee/calebhammer
Do you want to be in a Financial Audit and you’re able to film in the Austin area? Email [email protected]
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Chapters:
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
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Im the guy that got certified, and make the same as him in tech xD these episodes make me feel better about my life
S&P ant doing 10%+ a year lol. If ya don’t get hit with too many fees you’ll get a 5-6% return at the top end averaged out over decades.
I love seeing the episodes with people with good financial situations, it's inspiring…
Martin Shkreli?
Can you start putting these on Apple podcast please?
New England!!
Research is called "401K forfeiture." Sometimes to receive the 100% vested amount you must have been there at that company for 6 years.
Always good to hear your thoughtful and logical analysis. I don't care about bullish or bearish market. Trade a small percentage of your portfolio rather than going in and out every couple weeks trying to time the market 👌 trading went smooth for me as I was able to raise over 9.4 BTC when I started at 1.8 BTC in just few weeks implementing Colson Delcan’s daily trading signals and tips
I know everyone's situation is unique but I would not be thrilled to be moving in with my future MiL and FiL.
I think it would be really helpful for people who may not know financial speak to have the definition of something finance related appear on the screen (or in the video description) when it’s mentioned (I.e. forbearance)
Im convinced that this debt based society that most of the US plays into (even at the higher levels of income earners) artificially inflates the hell out out of everything, hurting us financially savvy folks soooo much. If these giant financial institutions can convince some people to go into deathly debt to just survive why even make anything competitively affordable for real people.
@calebhammer do you ever do audits for people not in financial ruin?
The i voted for JB starter pack lol.
Ichigo is a pretty good restaurant….
Why the hell did he buy a 4 year old model 3 with fsd for 56k 🤡🤡🤡
This guy is gonna be ok, gonna be rough but he is gonna be ok
Education comes at a cost in life but it may not be what you bargained for. Look around at the 2 year programs at community colleges (which are often so much cheaper and basic transferable courses) in your area and let the nice car be an after success purchase. God bless and thanks!
Caleb, you’re becoming a bit of a shill for the certification group. Before talking people out of higher ed and 150k salaries, you should be certain they can achieve what this 24 yo has already done.
Side hustle for John….voice over work👏🏻👏🏻👏🏻. Awesome voice, get paid for it👏🏻👏🏻👏🏻
Yo Caleb lets get some Subscriber csgo sessions started.
He may make too much to be able to do a Roth?
The neighbor sucks- imagine not being able to talk in your own apartment. With that being said, if you make $8,100 a month you should not live in a slum 😂
Why don’t you show people that handle their finances properly.
Happy you hit the algorithm. New content to binge that’s actually beneficial… ive already made some changes to how I use my money & finally started budgeting a bit better
Traditional and Roth 401(k) are mathematically the same if tax rates are the same. The advantage to both is that you get to essentially avoid taxation on your earnings. Secondarily you can choose which to contribute to and pull from in order to try to arbitrage your tax situation.
slow down dude …..
I think we need to forget that 10% per annum S&P500 figure. That’s the very long term, there have been decades of worse than that and even many decades of negative returns. It’s also pre tax on dividends and pre the eventual capital gains tax.
has anyone actually taken course careers thanks to caleb?
He was soooo sweet and attentive and not trying to make excuses, just trying to make changes. I Hope the best for him!
Far too many assumptions. The biggest one is that this guy will continue to make $150k/yr with job stability. Ai is distrusting these fields and will displace over 1 million tech jobs in the next 5 years. By 2033 it will replace 20 million tech jobs. The student loan debt is insurmountable and our nation will most likely go into default. Any debt will be bad when the shtf. Best bet is to learn how to fish and hunt and gun maintenance, cleaning and operation. It doesn’t matter how much this guy spends at lulu lemon none of that will matter in a year or two when everything falls apart.
Student loans where I live have such low interest rates that students sometimes take out their loans and invest it in something like index funds so they make money on the loan lol
K-12 don't teach math anymore?