Financial Audit with Caleb Hammer

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 04:55 How are you surviving? 09:26 SOFI 14:39 These debts keep stacking 18:55 You're F'd 26:37 Your checking is... terrifying 30:50 I'm done with your lies 34:20 What a terrible outlook 36:45 AURA 41:41 You need a budget! 45:15 This is gonna take a while 50:47 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:44 Stop listening to him! 10:33 You're BLIND to your finances 11:19 SOFI 15:05 Do you pay anything on time? 19:34 Do you even care?! 27:53 You can't justify an Apple Watch 30:39 Nothing in checking...who's surprised 36:07 Law school? Yeah right... 41:44 You need a budget! 46:59 Aura 57:38 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:12 Worst relationship in the world 09:25 This is more important than finances 11:42 SOFI 13:48 You don't have the income for this! 24:22 Holy checking account! 28:53 There's no excuse with this spending 34:18 AURA 38:14 You need a budget! 44:06 Please just do this 50:00 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 03:22 Diving right in! 07:22 What are we doing? 09:07 Do you even care? 14:47 Sondermind 19:32 What is your life, dude? 22:26 What does your GF have to say about this? 27:02 Smoking reality away 30:52 Here's your budget 34:14 Just follow this... 36:10 Credit Rating 41:10 What if it all goes South? 51:06 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:30 Already with the excuses 10:22 This isn't looking good for you 14:50 Opus Clip 19:35 Your debt is haunting you 26:08 Don't you want to be free? 32:48 Your spending doesn't help 37:24 Last chance for survey! 40:44 So much BS 44:22 You need a budget! 49:26 Let's fix this! 53:24 SOFI 58:42 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 03:12 Tough break, dude 09:14 You done goofed 16:58 Consolidate...then keep spending? 19:09 Credit Rating 28:51 I've never seen so much Cashapp 32:57 I don't think you know how this works 35:59 $250 Giveaway 37:08 Stick to the budget!!! 42:19 Here's the game plan! 47:52 SOFI 53:07 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:16 How we feelin' about this debt? 10:55 First of MANY debts 18:39 Sondermind 25:07 Check this out (Pun intended) 30:00 Win $250 31:44 You must COMBINE! 38:45 Let's budget your craziness 52:56 The plan steams ahead 54:33 SOFI 55:17 This could be so much worse 59:59 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 03:47 Survey 05:14 Dude is giving away money 10:08 Sounds like enabling to me 14:50 Your third car by 19? 25:21 Okay this is insanity 28:31 You have a Sugardaddy?! 29:17 SOFI 34:40 Starting with $0 41:49 You're BS'ing me 43:17 Credit Rating 46:43 You need to budget! 52:23 Here's your plan 1:00:19 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:07 How hard is this? 10:00 Addicted to pugs? 10:20 Sondermind 14:42 Bro you're F'ing me.... Nooo 18:07 You need professional help my dude 21:47 Getting back to finances... I guess 29:08 The addiction wasn't enough 35:08 Why all the ATM withdrawals? 38:59 I mean it's something 41:30 Budget breakdown 44:24 Aura 46:22 I'll make a deal with you 52:30 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 08:22 Diving into risky decisions 17:02 Real Estate 23:27 SOFI 27:39 Your stomach is making financial decisions 37:48 You DON'T want to do this! 43:11 Money isn't everything? 55:51 This is not investment advice 58:55 You have STUDENT LOANS!? 1:06:23 Time to clean up 1:08:14 HINGE TIME!!!! (yes, it's finally here) 1:15:34 On behalf of the guests 1:20:45 SOFI Savings 1:23:19 All time bonehead play 1:27:30 Here's my advice 1:30:30 Stephen Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 02:47 Your parents should be ashamed 12:33 How did you GET HERE?! 16:07 Do you even take responsibility? 16:55 Card Rating 20:48 Not even a little bit, dude 30:09 Wait you said this was OVER 36:27 Your budget isn't real 42:43 This is your budget 49:04 Here's the plan 51:06 SOFI 55:19 What you need to get over this 59:28 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:59 Unemployed and refusing to get a job 09:44 Policy Genius 13:36 Don't BS me 20:26 Do you even care? 22:16 Doesn't this scare you?! 28:43 You spend like a child 33:19 Living like a king without money 36:24 What's the point of this? 40:00 You need to budget 47:55 SOFI 53:51 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:55 Single income household (Yikes) 13:25 Filthy debt habit 19:14 Being a good person is irrelevant 23:15 Holy moly you can't afford this 28:08 SOFI 30:35 Endless BS spending 37:12 You have ZERO excuse 43:04 So you're gonna take classes? 48:11 When does this nightmare end?! 51:11 You need a budget 1:03:32 AURA 1:08:34 Here's the plan 1:15:48 You're GOING to counseling! 1:23:44 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:00 So you do beauty pageants? 07:51 Early start to bad debt 10:35 SOFI 17:04 So you don't buy groceries? 21:42 Is this a joke to you? 25:21 Her checking is... unhealthy 30:54 OMG her first budget! 37:52 AURA 39:33 Here's the plan, Stan 46:02 What do you say? 54:56 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:26 We don't BS here 11:07 SONDERMIND 12:42 Let the spending begin 20:33 You can't afford my MERCH! 25:43 He does this while living with his parents 33:17 What is this phone bill? 34:32 This is just gross 36:43 You need to budget 43:17 You have no excuse for debt 44:32 SOFI 46:55 Getting out of debt 52:16 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 Jobs and incomes 06:39 You're sabotaging your future 08:47 Where did this mess BEGIN?! 11:49 SOFI 18:13 Your credit card is making me ill 23:35 Living off of micro loans 26:34 Your student loans are UPON YOU! 33:12 This is absolutely vile 36:01 Worst checking I've ever seen 42:42 So... You're F'd 49:37 You need to budget 59:24 The weight of it all 01:03:31 AURA 01:06:44 Here's the plan 01:12:50 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 03:14 HOW did we get here? 06:19 You're debt is off the chain my dude 08:28 Your spending too 17:35 SOFI 20:12 Your whole life is spending 25:05 So this is where it goes 31:23 You need to BUDGET 38:22 Buddy let's fix you up 46:29 AURA 44:42 It's looking dire 52:09 Thanks, now F off! 55:43 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:08 Hello Fresh 08:10 Really? Two cars?! 13:00 Bad decisions were made 16:31 Welcome to debtville 21:34 I look down on your car 24:44 All your spending is BS 30:27 What are we thinking? 37:29 You need to budget 43:13 Your income is saving you 44:12 Here's the plan 46:04 SOFI 54:50 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:00 Where did all this debt come from? 12:09 Rocket Money 14:00 Why are we spending on this? 17:46 Sharing 100K Debt with your parents 22:27 Digging into their spending 32:08 How's your marriage? 37:24 Budget time! 44:53 Here's the deal! 49:55 SOFI SAVINGS 53:41 What your next three years look like 59:33 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:16 What is your mentality? 07:50 You're not making NEARLY enough 11:23 You don't have this 15:09 SOFI 19:02 Your parents are killing you 22:06 Endless spending! 28:25 Bring the hammer down on them 33:04 Your needs are over 80% 36:08 Here's the plan 40:46 AURA 44:59 It's THAT bad 50:17 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:34 What about the car loan? 11:20 This makes me nervous 13:05 SOFI 14:26 Really? Stop this 18:12 My man is grinding 23:24 Josiah's debt journey 24:55 Your new budget! 26:48 Monthly breakdown 33:54 You don't like therapy? 39:00 Just stay at home, please! 42:08 We don't see eye to eye 47:54 AURA 49:57 You brought questions 1:01:18 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:00 That is an expensive kid 10:10 SOFI 13:13 Your debts are INSANE 19:15 Why did you need this loan?! 23:00 Stop using credit cards! It's done 26:30 Owning a fashion store in Milan?! 31:40 Your savings is honestly silly 36:34 So you made a budget huh? 39:35 You gotta figure out this retirement 40:18 AURA 43:40 Another kid?! 48:34 Let's sort this out 57:11 Hammer Financial Scor --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:36 Living out of his car! 07:07 The vicious mental cycle 10:37 SOFI 14:30 How did we get here?! 17:55 You need to work NOW! 22:15 We have to overcome this 27:05 Merch 30:13 This is why we need therapy 34:35 AURA 36:08 Time to get active! 37:40 You need friends, bro 41:14 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:23 She's confused about everything! 08:36 Her Spending sucks 11:03 Holzkern sponsor 14:03 That's a LOT of student loans 18:58 You can't afford anything right now! 23:23 This budget is insane 27:21 Merch 29:07 She's done for 31:08 Can we even fix this? 39:09 Get a new job or die on Walmart floor 42:35 SOFI 50:55 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 01:35 Oh buddy, that sucks 07:12 So what's the deal? 10:02 SOFI 14:25 Something isn't mathing right 17:30 The real reason for all of it 21:04 He needs a community 27:39 Let' see these homeless collections 30:37 Did you have a choice on fast food? 37:52 SOFI Savings Account 41:14 Use UNEMPLOYMENT! 44:57 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:20 Take responsibility for your work 12:59 Dude, what's going on here? 15:25 What even is your resume? 19:48 He's living a fantasy! 24:26 I'm going to lose it 32:26 Do you even care? 37:27 Let's get some reality here 41:36 He's dying on the Walmart floor 45:56 AURA 48:13 I'm just scared for you, man 52:48 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:40 What is it with TOOLS?! 11:12 Kudos 13:30 You have no excuse for this spending 17:38 You're kidding me 21:51 You're done with tools, dude 26:09 You need to budget 33:40 Why isn't anyone helping you? 34:44 SOFI 35:34 Financial Roadmap 41:20 Your fiance is leeching off you 47:13 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:05 And that's why we go hard on people 12:47 SOFI 17:25 Wow that changes things 20:15 Says he doesn't spend money on BS… Okay 17:27 I'm scared for your future 29:18 You need to budget 35:18 How are you surviving? 39:04 You might need to sell the house…. 41:49 Aura 47:19 This is what I'd do 50:27 Time to bust A** 53:33 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 07:20 Why didn't you listen to me? 10:00 What are we doing here? 11:49 Factor 15:38 Starting the month negative 19:16 Are you capable of ANYTHING?! 23:24 I'm on my last nerve here 28:17 You should have sold the car 34:58 Oh great, another excuse 36:16 What are you on about? 41:50 Course Careers 45:38 Please just do this 49:50 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:16 They are NOT on the same page 09:38 See now you're lying 16:10 You guys are scaring me 19:49 MONZO 26:20 Are we cope spending? 32:20 You have so much debt! 37:13 That's what you buy from AMAZON?! 43:40 You guys are drowning 50:59 401K match wins every time 56:17 You need to budget 01:01:01: 160 hours a week and still F'd 01:04:51 Course Careers 01:06:08 Clean up this mess 01:19:26 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:30 Why are you taking out a Loan?! 06:57 You took out a loan for THIS?! 11:12 Grammarly 17:21 Don't BS me dude... 21:50 It doesn't end 29:34 He's F'd 31:36 Spend Spend Spend 37:08 I'm scared for you... legit 40:29 You need to budget or else 44:48 Course Careers 46:00 How do we fix this?! 56:06 You need to bust a** 57:55 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 07:44 You spent $3000 on WHAT?! 11:53 Ridge Wallet 13:56 He's making me mad 19:17 What a mess 24:20 Dude you spent too much on this! 31:24 This is killing you... 37:10 Please don't do this 41:42 Course Careers 44:05 You need to budget 48:10 Clean up this mess 1:00:11 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:52 Why are you spending like this?! 09:37 Policy Genius 11:34 Time to get some help... 15:47 Haunted by financial trauma 19:16 What a mess 24:18 Spend spend spend! 32:33 You need to budget! 41:11 Your budget is breaking 43:11 Course Careers 45:37 Clean up this mess! 48:51 You need to bust a*** 54:10 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:01 Without your brain... you're nothing 07:00 This is awful debt 12:19 SOFI 14:30 What a mess 19:41 Spend spend spend 24:30 Where is your money going?! 29:04 He doesn't know what a Roth is... 31:00 You need to budget 38:24 Clean up this mess 44:46 Please just do this... 48:14 AURA 50:11 Working his a** off 57:25 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:26 You can't afford this! 11:30 What a mess 14:12 SOFI 21:31 You're scaring me 30:02 You don't have money! 38:48 What is this combined spending? 40:53 You need to budget! 44:14 How are you surviving? 47:14 Your job sucks! 48:27 Clean up this mess 49:48 AURA 55:11 You're F'd 01:00:48 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:25 How did this happen?! 12:06 This debt is INSANE 17:53 SOFI 18:50 I'm terrified for you 22:30 You need to bust your A**! 27:39 What a mess 32:03 Stop paying your mom's rent! 39:31 Straight to collections! 43:46 AURA 46:40 You need to budget... BADLY 49:49 Clean up this mess 55:08 Time to play catch up! 01:46:21 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:06 You make no money! 09:27 This is a mess 13:45 Stop using credit cards! 18:12 This is the worst bank to borrow from! 24:30 Spend Spend Spend 28:58 You need to budget! 35:40 Clean up this mess 44:05 Car problem from hell 52:10 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:25 How did this happen?! 12:06 This debt is INSANE 17:53 SOFI 18:50 I'm terrified for you 22:30 You need to bust your A**! 27:39 What a mess 32:03 Stop paying your mom's rent! 39:31 Straight to collections! 43:46 AURA 46:40 You need to budget... BADLY 49:49 Clean up this mess 55:08 Time to play catch up! 01:46:21 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:40 I'm already scared for you 07:06 Spend Spend Spend 13:12 What a mess 16:40 Stop eating out! 24:25 So you wasted free college? 29:20 You need to budget 35:10 Stop doing this! 37:32 Clean up this mess 39:27 You're making me mad 50:51 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:48 Kudos 08:17 You have DEATH debt! 12:03 Stop spending! 16:58 You are NOT a credit card person 20:36 Spend spend spend 25:02 Great... More spending 32:48 You need to budget 37:47 Clean up this mess 42:47 Only one year! 44:38 SOFI Savings 40:53 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 06:08 Rocket Money 09:02 Please no... 15:00 Dude you have TERRIBLE debt 20:45 Spend spend spend 27:00 Why are you using credit cards? 35:00 At least you have this... 38:35 You need to budget! 42:39 Your expenses are INSANE! 44:06 Let's clean up this mess 49:15 Please just do this 54:11 What are we doing here? 1:06:05 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:30 SOFI 07:08 Spend Spend Spend 11:16 What's going on? 14:39 At least there's that... 17:41 Stop BS spending! 20:29 You need to budget 26:10 Clean up this mess! 31:52 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 03:43 Already? 09:56 SOFI 14:35 Your dad joined a cult? 18:21 Spend Spend Spend 22:18 You have no excuse for this! 27:38 What a mess 32:06 I'm scared for you 35:14 Math ain't mathin' here... 38:16 AURA 44:44 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:52 Oh give me a break 09:50 I'm scared for you already 14:40 What a mess... 23:42 This is getting interesting 25:25 Spend Spend Spend 32:58 Do you even care? 34:28 You need to budget 40:40 Clean up this mess 48:55 Please just do this! 1:01:19 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:08 SOFI 07:24 Did you really need this? 11:15 Spend spend Spend 16:21 That must be rough 19:17 You need to budget 27:06 Please just do this 31:57 Clean up this mess 37:00 Absolutely not! 40:54 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 ⁠04:28⁠ Aura ⁠07:12⁠ You can't AFFORD this! ⁠09:35⁠ Endless excuses ⁠15:12⁠ Spend Spend Spend ⁠18:23⁠ Are you serious? ⁠21:43⁠ Please stop... ⁠25:02⁠ What do you owe the BF?! ⁠29:01⁠ You need to budget! ⁠32:03⁠ Clean up this mess! ⁠39:58⁠ Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:58 Factor 09:41 What a mess 12:58 Why are you BS spending?! 17:47 What's your problem?! 22:53 You need to budget 27:11 Please just do this 30:10 Your imported car is a problem! 33:26 Clean up this mess 37:50 Im scared for you 44:22 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:39 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 --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:00 SOFI 06:04 Your car was repo'd?! 09:50 WHAT A MESS 15:25 How is this possible?! 19:50 Spend spend spend... 26:00 Learn how to use a savings! 27:30 You need to budget! 29:50 CLEAN UP THIS MESS 38:42 Your income needs to not suck 46:13 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 05:20 Aura Health 11:48 Classic paypal checking account 16:06 Oh thank goodness 20:04 Stop touching your savings! 24:38 I'm scared for you 28:24 You need to budget 31:07 Just do this 32:18 Clean up this mess 38:53 You can do this 43:20 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

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 04:38 So that's why you're in debt 11:18 What a mess... 15:00 You were addicted :/ 19:01 This is DEATH 23:40 SPEND SPEND SPEND 27:22 Checking for Diabetes 31:00 You need to budget 35:10 He's F'd... 40:00 Clean up this mess 51:52 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support