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

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 04:34 What about the car loan? 11:20 This makes me nervous 13:05 SOFI 14:26 Really? Stop this 18:12 My man is grinding 23:24 Josiah's debt journey 24:55 Your new budget! 26:48 Monthly breakdown 33:54 You don't like therapy? 39:00 Just stay at home, please! 42:08 We don't see eye to eye 47:54 AURA 49:57 You brought questions 1:01:18 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 06:00 That is an expensive kid 10:10 SOFI 13:13 Your debts are INSANE 19:15 Why did you need this loan?! 23:00 Stop using credit cards! It's done 26:30 Owning a fashion store in Milan?! 31:40 Your savings is honestly silly 36:34 So you made a budget huh? 39:35 You gotta figure out this retirement 40:18 AURA 43:40 Another kid?! 48:34 Let's sort this out 57:11 Hammer Financial Scor --- 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 04:36 Living out of his car! 07:07 The vicious mental cycle 10:37 SOFI 14:30 How did we get here?! 17:55 You need to work NOW! 22:15 We have to overcome this 27:05 Merch 30:13 This is why we need therapy 34:35 AURA 36:08 Time to get active! 37:40 You need friends, bro 41:14 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 05:23 She's confused about everything! 08:36 Her Spending sucks 11:03 Holzkern sponsor 14:03 That's a LOT of student loans 18:58 You can't afford anything right now! 23:23 This budget is insane 27:21 Merch 29:07 She's done for 31:08 Can we even fix this? 39:09 Get a new job or die on Walmart floor 42:35 SOFI 50:55 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support