Making $20,000 A Year And Spending It All On Fast Food | Financial Audit

by



Protect your online privacy and security NOW and for free by following my link, thanks to today’s sponsor, Aura: https://aura.com/hammer

_______________________

Resources I use/would use:

1) Acorns: Start investing, or open a retirement account, and get a free $5 by using my link: https://share.acorns.com/calebhammercomposer

3) Fizz: A debit card that builds credit while preventing overspending: https://www.joinfizz.com/caleb use CALEB10 for a $10 signup bonus!

4) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/calebhammer and use code HAMMER50 to get $50 off the full course.

5) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes: https://mintmobile.com/hammer

_______________________

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]

_______________________

Chapters:

00:00 Job and Income
05:21 Aura
07:19 Diving into BS Spending
12:35 Spend Spend Spend
18:20 Im Scared for you
21:36 Taking out Debt for Apple Games?!
25:39 Welp there’s that…
29:36 Please No
33:39 You Need a Budget
36:15 Let’s Clean up this MESS!
42:19 He can Do it
42:44 Hammer Financial Score

_______________________
Sponsorship and business inquiries: [email protected]

_______________________

My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you’re feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it’s completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.

_______________________

*Some of the links and other products that appear on this video are from companies 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: [email protected]

source

48 thoughts on “Making $20,000 A Year And Spending It All On Fast Food | Financial Audit”

  3. Watching these makes me feel better. I’m in my mid 30s and have had a host of medical issues stop my forward movement more than once. The most recent requiring a flight for life and needing resuscitation twice which I guess means I died twice clinically/almost died/close enough.

    Despite all that and student loans that are in IDR repayment plans at a near 0 interest rate with a max of 10% of my income max, possibly less depending on what gets done regarding student loans. I’ve taken your advice before learning of it and I’m not paying on that.

    I have $0 credit card debt, 710 credit score and growing, and am going to implement your/my grandfather’s truck of using a credit card not to live outside my means and pay a minimum and thus a stupid amount of interest but to use to build credit by using it like I would a debit card and paying the full balance monthly.

    That’s technically also a smarter move security wise because in the event your info is stolen, then it’s the credit card company’s money and not mine that’s been compromised. Which isn’t an if but a when. There’s much better consumer protection for credit card fraud than debit card fraud for whatever reason. If I had to guess it’s the reason stated above – it’s their money. If it’s just a debit, they process the fees and could care less who spends the money out of your account so long as it clears…. Oh capitalism.

    I invest lightly in indexes and bitcoin and have made modest gains. I have a growing emergency fund alongside it. I know you say don’t invest until you have an emergency fund but dude me I’m doing a hybrid of your advice

    I can always sell my bitcoin and index positions if I really have to although I don’t have pressing debt like that 27 year old mystic with the cowboy hat and vision board… 🤦‍♂️

    I live in a $900 a month place with all utilities paid. All my medical bills are paid through insurance and hard work, student loan debt is hanging over my head but managed, income exceeds bills by 150%. How am I doing?

    Reply

  7. Caleb you should do a video on the anatomy of a credit card statement: the grace period, carrying a balance, and why that's so harmful. Every episode when people make balance payments but also make transactions you get rightfully mad, but it'd be awesome if you explained WHY and the type of positive behavior that makes a credit card person a credit card person.

    Reply

  10. How come Americans think 100.000 miles on a vehicle is a lot!? In Europe, 100k miles is the average amount of miles on a second hand car. And the majority of us are buying second hand cars. On average, a decent car would last you 200.000 – 240.000 miles. Why buy it new!?

    Reply

  13. Your character in yhis has gotten really douchey and hypocritical and this content is insanely easy and formulaic and I hope your channel dies out and you end up on a channel like thus where someone berates you for buying anything except rice

    Reply

  15. Former sea Aggie, I’m going to do anything I can to promote this man within our association, Aggies help, and no man should be in this place. Caleb/Colton, reach out, let’s get you in a better situation.

    Reply

  16. Do people who face Caleb realize what he's going to say? I mean, it's usually very predictable: start eating at home and making your own coffee, don't make unnecessary purchases, pay off your debt asap, invest aggressively, get a better job, and buy property. (And start seeing a therapist.) Is there really anything more to it??

    Reply

  20. Caleb! Let me know if you would be willing to do a financial audit on someone who is actually still active duty military! I see a bunch of vets on here but no one who is in an active status. 😊

    Reply

  29. I don't know why but it bothers me every time he says give yourself a score "Zero out of 10" 🤣 Like he's already decided! Give yourself a score Zero TO 10 would sound better.

    Reply

  31. What should be on everyone’s mind currently should be to invest in sectors with guaranteed projected growth, pretty much how I made my first million. I’ve been getting assisted by a financial coach for a year now, his name is Klaus Cassius, you can google him. He places a sizable portion of my capital in fixed-income securities like treasury bills, corporate bonds, government securities, and debentures. He also manages over seventy million dollars for clients worldwide in ETFs, stocks and REITs.

    Reply

  32. So glad our tax dollars are being spent on people so “disabled” they can go scuba diving with their buddies and not have to work for the rest of their lives 🔥🔥🔥🔥

    Reply

  37. He needs to get a VA lawyer to file for hire disability. And before you all say that lawyer costs money, VA lawyers don't take money up front they're going to get a percentage of what you win later on and if they find him at a higher disability percentage he'll get a lump sum for all the back pay he should have received.

    Reply

  46. these videos explain why companies move from a license business model to a subscription based model. average joes really forget them and lee paying (cue in services like keep money and others). use a spreadsheet yall

    Reply

  48. Dude veteran’s affairs needs to update what they give you. Get some buddies to help with documentation and bring in everything to support your case. Don’t hold back.

    Reply

Leave a Comment