Use code HAMMER50 to get 50% OFF First Box and free wellness shots for life with any active subscription at https://bit.ly/3GF7Hqf!

▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email [email protected]

▶My team and I will personally review your budget and put you on the right financial path going forward: https://go.calebhammer.com/review/
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▶Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link

2) Start investing: Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: https://j.moomoo.com/00Bn5Z

3) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

4) 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/

5) 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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▶Our other channels:

1) Vlogs: https://www.youtube.com/@calebhammerv...

2) Hammer Productions mini-documentaries: https://www.youtube.com/@hammerprod/v...

3) Money Makes Cents: https://www.youtube.com/@centsmakesmo...
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▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you:   / calebhammer  

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

3) Merch: The most fun website: https://shop.calebhammer.com

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▶My socials: https://linktr.ee/calebhammer

▶Do you want to be in a Financial Audit? We film on weekdays in our studio located in Austin, Texas (in person only)! Fill out this brief survey if you are interested: https://bit.ly/3wCrHrS Any questions? Email [email protected]
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Chapters:

00:00 Job and income
05:00 I'm already exhausted
10:00 Never stepped inside one
14:17 Sounds like sugar daddies to me
19:58 And the debts begin...
22:40 Who are YOU coaching?!
30:10 She feels empowered!
34:50 Should have seen this coming
40:11 I've just about had it
45:21 Please listen to me!
48:27 Let's be real for a second...
53:00 Can we even make this BUDGET?!
58:15 How will you even make money?
1:03:19 Hammer Financial Score

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▶Sponsorship and business inquiries: [email protected]
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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: [email protected]