▶️ ORIGINAL EPISODE HERE: https://youtu.be/IZQCR0f0NwI?feature=shared ◀️

▶EDUCATION:

1) The best budgeting program online: https://calebhammer.com/budget

2) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

3) Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

4) Get your own free Hammer Financial Score: https://www.calebhammer.com

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▶RESOURCES

1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

2) Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 5.1% on uninvested cash + an additional 3% APY Coupon for 3 months for new users!! Terms & Conditions Apply

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)

6) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

7) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

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▶OTHER CHANNELS:

1) Finacial Audit: https://www.youtube.com/@calebhammer

2) Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney

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▶CHAPTERS:

00:00 Flashback

00:32 Intro

02:03 Catching Up

04:42 Are You Sure About That..?

07:18 Finances!

10:11 "I Grabbed A Couple Drinks.."

12:43 Bullsh*t, Bullsh*t, Bullsh*t!"

15:18 Living Situation

17:28 Here's The Plan

21:22 Updated Hammer Financial Score

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▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://linktr.ee/calebhammer

3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply

Any questions? Email casting@calebhammer.com

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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.

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▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

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