cover of episode Financial Audit’s Final Boss

Financial Audit’s Final Boss

2024/10/14
logo of podcast Financial Audit

Financial Audit

AI Deep Dive AI Chapters Transcript
People
C
Caleb
专注于提供金融教育和资源,帮助人们实现财务自由。
R
Rosa
S
Sam
通过削减开支、获取电销职位和启动咨询业务,实现从零开始的企业家之旅。
Topics
Rosa和Sam:他们承认过度消费,将大部分收入用于娱乐,导致债务累积。他们缺乏财务规划和管理意识,对债务的严重性认识不足。他们经历了失业和意外事件,进一步加剧了财务困境。他们表示愿意改变,并寻求帮助来解决问题。 Sam:他很少参与家庭财务管理,对家庭债务的规模缺乏了解,并承认自己应该承担更多责任。他表示愿意学习理财知识并与Rosa一起努力改善财务状况。 Caleb:他指出这对夫妇的财务状况极其糟糕,消费远远超过收入,债务总额巨大,包括信用卡债务、房屋贷款、汽车贷款以及其他各种消费贷款。他批评了他们不合理的消费习惯和缺乏财务规划,并强调了他们对财务状况的严重误判。他提供了具体的财务建议,包括制定预算、学习理财知识、寻求专业财务规划帮助、考虑增加收入或申请债务减免等。他还强调了他们需要认识到问题的严重性,并采取积极的行动来解决问题。 Rosa:她承认自己对家庭财务失去了控制,并导致了债务的累积。她表示愿意学习理财知识,并与Sam一起努力改善财务状况。她还解释了一些导致债务增加的具体原因,例如失业、意外事件以及一些不合理的消费习惯。 Caleb:他详细分析了这对夫妇的财务状况,指出他们存在严重的过度消费、缺乏财务规划、对债务严重性认识不足等问题。他批评了他们使用信用卡套现来避免透支费用的做法,指出这种做法实际上加剧了他们的财务问题。他提供了具体的财务建议,包括制定预算、学习理财知识、寻求专业财务规划帮助、考虑增加收入或申请债务减免等。他还强调了他们需要认识到问题的严重性,并采取积极的行动来解决问题。

Deep Dive

Chapters
The couple discusses their financial history, including taking out a mortgage without an emergency fund and accumulating debt over the years.
  • Took out a mortgage without an emergency fund
  • Accumulated debt over four years
  • Lost jobs and had to rely on credit cards

Shownotes Transcript

Click the link https://relayfi.com/calebhammer and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted.

Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

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

▶EDUCATION:

  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. Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.

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 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply

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

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

  3. 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)

  4. Debt negotiation: Before you start paying off ANYTHING past due, Download Relief to get the best deal your creditors are willing to make: https://app.relief.app/LckI/CalebHammer

  5. Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

  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


▶OTHER CHANNELS:

  1. Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney

  2. Financial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups

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