Written by a model from the transcript; not yet reviewed.
This episode features a financial audit of a young engaged couple living in Waco, Texas, who face significant financial struggles while preparing for a second and third marriage respectively. Both partners carry baggage from past divorces involving infidelity, and they have quickly combined finances despite ongoing impulsive spending on energy drinks, vapes, and miscellaneous items. The guest works as a patient care technician making around twenty-two dollars an hour, while the guest works in field service on compressors making seventy thousand dollars a year, much of which is immediately consumed by high monthly child support payments. Throughout the episode, the host dissects their lack of financial transparency, an over-reliance on fee-free overdrafts, and a dysfunctional dynamic where one partner manages everything while the other refuses to check bank balances. The audit culminates in a low hammer financial score of point five out of ten, revealing substantial consumer debt, unmanaged student loans, and complex living arrangements tied to family property.
Caleb Hammer opens the episode, introduces the show and the guests, and sets the stage for a deep dive into relationship finances.
Caleb promotes his new product, Liquid Assets, with a brief ad inserted into the conversation.
The hosts and guests discuss Virginia’s pay, potential raises, and the uncertainty of future earnings.
Tony and Virginia reveal their past marriages, divorces, and the reasons behind them, highlighting patterns of short relationships and cheating.
The conversation turns to Tony’s cheating, the rebound nature of his second marriage, and the emotional fallout from his first divorce.
The couple discusses their combined finances, hidden accounts, and the tension over spending habits and budgeting.
The hosts discuss the absurdity of buying a dirt bike and needing a truck to transport it, highlighting financial missteps in a relationship.
Exploration of how couples handle money talks, including budgeting, spending limits, and the impact of personal spending habits.
A promotional segment for Gamer Subs, detailing flavors, discounts, and the host’s enthusiasm for the product.
Examination of how child support payments, property ownership, and living situations strain finances and relationships.
The hosts dive into a joint bank account, uncovering overdrafts, unauthorized purchases, and the consequences of living beyond means.
The hosts confront unpaid phone bills, insurance premiums, and the looming threat of legal action and wage garnishment.
The guest discusses her hourly wage and upcoming raise, admitting she does not actually know the exact percentage increase she will receive.
Secret Spending Accountsinsight
It is revealed that one partner maintains a separate bank account where hundreds of dollars are funneled monthly to hide impulsive purchases.
Avoiding the Bank Appinsight
The guest explains that he avoids checking his bank balance because Face ID takes too long and typing a password is too aggravating.
Living on Family Propertystory
The couple explains their living situation in a mobile home on the guest's father's land, where the father frequently shows up unannounced.
The host uncovers a predatory credit card with a nearly thirty percent interest rate that is completely maxed out with unpaid minimums.
Ignoring Collections Accountsdebate
The guest admits to having a fourteen-hundred-dollar Verizon debt sitting in collections, stating he just plans to wait seven years for it to fall off.
“She went and filed some charges on me for some domestic stuff.”
“I just spent the night. I went and”
“I had a truck already, so it's not like we actually needed one.”
“I told her it was a bad idea.”
“That way you have a down payment if something does happen and we break up and you don't have my truck or something, you know, for any reason.”
“You can literally look and see how long ago it was that I've messaged him.”
“So, I have a secured loan of $5,262. What is this?”
“People in the audience have used them to get six-figure jobs, six-figure raises.”
“Okay, we have a student loans. Okay, for Tony.”
WE CALLED HIS DAD and the convo is wild; he literally thinks his dad is going to disown him just like they did his sister... watch the post show: https://hamr.link/ytjoin OR download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:20 Jobs & Income 03:50 theyre both so easy lol 07:00 thank god for the whiteboard 12:30 HOW HARD IS IT TO BE LOYAL 17:45 chat, do we believe that their relationship is "different" from the rest loooL 21:00 the whiplash of topic changes is kinda crazy 29:00 she has "friends" he doesnt have to worry about lol 32:40 wonder what else shes hiding... 41:00 hes actually so pathetic lmao 53:00 bullsh*t bullsh*t bullsh*t 01:08:50 $10,000 DOWN THE DRAIN??? 01:18:20 imagine still owing cause of an ex loool 01:33:45 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *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. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices
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