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