cover of episode I Finally Lost My Mind | Financial Audit

I Finally Lost My Mind | Financial Audit

2024/9/11
logo of podcast Financial Audit

Financial Audit
AI Deep Dive AI Chapters Transcript
People
A
Amber
主
主持人
专注于电动车和能源领域的播客主持人和内容创作者。
Topics
Amber: 我是一名网络安全工程师，对自己的薪水不满意。我的婚姻在不到一年的时间里导致我信用卡负债累累，因为我的丈夫没有工作，我不得不独自承担家庭开支。我没有进行预算管理，并且将财务问题归咎于丈夫失业和出轨。我沉迷于婚恋真人秀节目，并因此冲动结婚。我承认自己花费两年半时间准备一个尚未盈利的蜡烛生意，并且在财务管理方面存在严重问题。我试图通过各种方式赚钱，包括投资失败的非营利项目和使用信用卡为库存融资。我承认自己不会做预算，并且消费习惯不好，例如经常使用DoorDash点餐。我愿意改变自己的财务状况，但需要帮助制定可行的预算计划。 主持人: 我对Amber的叙述表示怀疑，认为她可能是在演戏。我指出每个人都需要缴税，有些人还有税收抵免等减免项目。我指出Amber的个人收入高于奥斯汀的中位数家庭收入，如果合理规划预算，应该能够负担开支。我批评Amber的财务管理和商业计划，质疑其花费两年半时间准备一个尚未盈利的蜡烛生意。我批评Amber的消费习惯，例如使用DoorDash点餐和频繁购买其他物品。我指出Amber的信用卡债务问题严重，并且建议她制定一个包含食品预算的计划。我强调了财务规划的重要性，并鼓励Amber为未来做好准备。我批评Amber在描述财务状况时不够诚实，并指出其信用卡债务问题严重。我分析了Amber的各种债务情况，并建议她寻求债务还款计划的帮助。我指出Amber的财务问题并非收入不足，而是消费习惯问题。我分析了Amber的求学经历和债务积累过程，并批评其财务管理方式。我建议Amber制定一个可行的预算计划，并帮助她改善财务状况。

Deep Dive

Chapters
Amber, a 46-year-old cybersecurity engineer, shares her experience of getting married after only three weeks of dating. Inspired by reality TV shows, she married a man from Colombia she met on Tinder. They quickly got married after he moved in, but the marriage ended in less than a year due to infidelity.
  • Married after three weeks of dating.
  • Husband was undocumented and unemployed.
  • Marriage ended due to infidelity.

Shownotes Transcript

Watch this episodes POST SHOW here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

Don’t sacrifice your privacy because it’s a chore to keep up with it. Our sponsor Aura makes it easy. Visit https://aura.com/hammer to start your two-week FREE trial.

Visit https://NetSuite.com/HAMMER to sign up for their one-of-a-kind flexible financing offer!

▶EDUCATION: LABOR DAY SALE EXTENDED. All Courses and Bundles are an extra 30% off through September 6.

  1. The best budgeting program online: https://calebhammer.com/budget

  2. Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

  3. Bundle my budgeting program + investing program for 15% off: https://calebhammer.com/bundle

  4. Get your own free Hammer Financial Score: https://www.calebhammer.com

▶RESOURCES

  1. Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

  2. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 5.1% on uninvested cash + an additional 3% APY Coupon for 3 months for new users!! Terms & Conditions Apply

  3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

  4. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

  5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)

  6. 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/

  7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

Learn more about your ad choices. Visit megaphone.fm/adchoices)