Check if you can rollover your old retirement accounts now! https://clickurl.ca/Caleb-Capitalize ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com ▶1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join _______________________ ▶Resources I use/would use (with discounts/sign-up bonuses): 1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme 2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 3) *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 4) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer 5) 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/ 6) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer _______________________ ▶Our other channels: 1) Vlogs: https://www.youtube.com/@CalebHammerLive/videos 2) Hammer Productions mini-documentaries: https://www.youtube.com/@frontpagechannel/videos 3) Money Makes Cents: https://www.youtube.com/@dollarwiseeducation/videos _______________________ ▶Fun things: 1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer 2) Get your own Hammer Financial Score: https://www.calebhammer.com 3) Merch: The most fun website: https://shop.calebhammer.com _______________________ ▶My socials: https://linktr.ee/calebhammer ▶️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 _______________________ Chapters: 00:00 She is upside DOWN 04:52 How did you do this to yourself? 11:06 You have no excuse 13:20 This is called a late payment 19:16 At least she was organized 24:15 This is just getting worse… 28:45 Excuse you, Caleb! 39:36 Here’s my take on this 45:13 You need a SAVINGS! 45:43 Capitalize Sponsor 47:01 I don’t want to continue 50:49 I’m turning into George _______________________ ▶Sponsorship and business inquiries: business@calebhammer.com _______________________ 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. _______________________ ▶*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