Visit to sign up for their one-of-a-kind flexible financing offer

▶The best budgeting program online, at the most affordable price: any questions? Email

▶1-on-1 personal financial help with our licensed/certified coach:

▶Watch the Financial Audit Post Show:


▶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: *affiliate link

2) Get $20 from Acorns for free: sign up to get your bonus

3) Click this link to get a “Mag 7” fractional share bundle for deposits or 1.5% Cash Reward match ($300 max) on transfers.

5) Coursecareers: Get qualified for a better job and increase your income:

6) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10:

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura:

▶Other channels:

1) Your Week In Money:

3) Money Makes Cents:

3) Finacial Audit Follow-Ups:

▶Fun things:

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

2) Get your own Hammer Financial Score:

3) Merch: The most fun website:


▶My socials:

▶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:
Any questions? Email


00:00 Job and income
04:55 You’ve got to be kidding me
11:14 “HoW MuCh aRe ThE PuRcHaSeS?”
13:30 Netsuite
17:18 This is why minimum doesn’t cut it
22:10 What are you on about?
26:42 We need to address this…
30:26 Acorns
34:07 Who cares?
38:52 Are you just buying every food?!
42:14 You can’t even help yourself
45:40 You need a budget
56:30 Sofi
01:04:34 Hammer Financial Score

▶Sponsorship and business inquiries:

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:

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