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 [email protected]

_______________________

Timestamps:

00:00 Job and income

03:20 You're actually getting a pay cut!!

05:58 Weeirrdddd car loan

09:02 Charged hundreds in credit card interest...

10:40 Not making any money with his money!

12:18 $300 in checking account...

14:00 Almost $50,000 in student loans!!!

17:58 You won't follow this advice...

20:20 It's time to buckle down and sacrifice!

24:15 Time to boost this up

25:55 Hammer Financial Score

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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 [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Job and income 03:00 Stopped going to college... 05:17 Do you want to be a server for the rest of your life?! 08:31 No plans to survive ... 09:45 Car debt, through her ex!! 12:30 Checking account and hidden debts 15:18 Credit cards and a lot of spending 19:22 Credit score 22:15 She refuses to act like an adult... 26:00 You're acting like an immature child! 28:00 You need to turn your life around... 30:00 You are SUCH A CHILD!!! 31:09 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 [email protected] Sponsorship and business inquiries: [email protected] _______________________ Timestamps: 00:00 Are you even making money? 03:45 How are you even surviving? 04:55 Not paying taxes... 07:40 Can you actually become an actor?? 09:19 Dropping out of college... 12:58 Overdrafting his checking account! 19:02 You can't afford to not work!!! 21:53 Credit score and limits 24:00 Not prepared for an emergency 25:30 Not willing to sacrifice for his well-being at all 30:00 What are you going to do after the 99.9% chance you don't make it? 33:24 WORK A JOB! 34:20 Getting a degree and having a career 36:12 You choose wants over needs... 40:00 Closing your brain off to critical thinking! 41:42 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

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 [email protected]

_______________________

Timestamps:

00:00 Job and income

02:53 Grad school with no ROI

05:38 Going into endless debt to continue spending money on BS

10:45 He does not like his lifestyle...

11:48 Horrendous student loans

13:33 Missing debt payments

15:49 Car debt....

17:32 Maxed out credit card debt

20:09 CHOP THEM UP!!!!!!!!!!

21:45 This is a complete mess

22:22 Can you clean this up?

25:36 You cannot borrow any more debt!

28:07 This is going to hurt

34:28 Broke for the rest of your life, or freedom?

38:26 Hammer Financial Score

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