Episodes

  • ▶EDUCATION:

    1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/

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

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

    4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula

    5) 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

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

    7) 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/

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

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    ▶EDUCATION:

    1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/

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

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

    4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula

    5) 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

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

    7) 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/

    8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
    _______________________
    ▶ CHAPTERS

    00:00 Intro
    00:25 Why To Get Rid Of Standard Time
    00:38 Reason 1
    02:26 Reason 2
    04:47 Reason 3
    08:14 Reason 4
    09:41 Reason 5
    11:10 Why To Get Rid Of Daylight Savings Time
    11:20 Reason 1
    12:07 Reason 2
    12:41 Reason 3
    13:35 Reason 4
    14:06 Anyways...

    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]

    _______________________

    ▶*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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

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  • Your financial goals matter. Good credit can make them real.
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    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:33 Donald Trump's Tax Policy & Social Security
    01:50 Donald Trump Tariffs & Trade
    03:32 Donald Trump Spending Cuts & Regulatory Rollbacks
    06:55 Donald Trump Immigration (The Effect On The Labor Market)
    07:13 Donald Trump Infrastructure & Domestic Investment
    07:48. Donald Trump Healthcare & Social Programs
    08:20 Kamala Harris Economic Policies
    08:37 Kamala Harris Tax Policies for Low and Middle-Income Families
    09:02 Kamala Harris Corporate & Wealth Tax Reforms
    09:18 Kamala Harris Healthcare Expansion
    09:43 Kamala Harris Housing Initiatives
    10:06 Kamala Harris Education & Workforce Development
    10:24 Kamala Harris Environmental & Climate Policies
    10:41 Kamala Harris Pharmaceutical Reform and Healthcare Affordability
    11:00 Kamala Harris Economic Equity & Labor Rights
    11:10 Kamala Harris Justice & Civil Rights Initiatives
    11:25 Kamala Harris Food Security & Inflation Management
    11:44 Kamala Harris Debt Relief & Consumer Protection
    11:59 Kamala Harris Support For Small Businesses
    12:50 Kamala Harris Insulin Cap
    13:17 Kamala Harris Conclusion
    13:35 Its just the facts
    13:46 Donald Trump's Critiques Regarding Kamala Harris' Economic Policies
    16:04 Kamala Harris' Critiques Regarding Donald Trump's Economic Policies

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    ▶*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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • 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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:20 Worldwide Fertility Rate
    03:48 Fertility Rate Economic Pressure & Job Market
    04:58 Fertility Rate Social & Cultural Shifts
    06:00 Fertility Rate Aging Population & Dependency Ratios
    08:05 Fertility Rate Shift In Global Economic Power
    09:04 Fertility Rate Economic Solutions & Immigration
    09:37 Fertility Rate Pronatalist Policies in Europe
    10:08 Fertility Declines Across the Developed World
    10:43 Fertility Rate Cultural Shift vs. Financial Incentives
    11:24 Fertility Rate Progress

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Sign up with my link, and try out Moby Premium (Save $100 and try it for just $99) for yourself → https://www.moby.co/try-moby-caleb-hammer?uid=121&oid=1&affid=105

    Real-time stock alerts, straight to your phone (only takes 3-5 minutes to read): w/ an average return of 43.65%, the past four years.

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:12 Inflation Trends & Core Prices
    00:48 Political & Economic Context
    01:23 Notable Price Changes
    01:50 Federal Reserve Outlook
    02:13 Social Security Benefits Adjustment
    02:42 Investor Reactions
    03:11 World Trade Forecast & Economic Outlook
    04:53 Effects Of Monetary Policies
    05:23 Regional & Sector-Specific Insights
    05:39 Global Trade Flows
    06:01 Key Statistics & Numbers
    06:29 United States Labor Market Trends (September)
    07:55 Context & Election Impact
    08:15 October Jobs Outlook

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Ready to take charge? Get DownPay for iphone free on the App Store here: https://apps.apple.com/app/apple-store/id6474574024?pt=126403444&ct=Caleb&mt=8

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@CalebHammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    12:15 What Are The Demands
    01:15 Job Automation Is Taking Away Jobs!
    02:16 White House Involvement
    02:23 Effects On Imports And Supply Chains
    05:36 Long-Term Concerns
    06:30 Federal Reserve's Recent Moves and Future Outlook

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:19 September Federal Reserve Rate Cut
    01:16 Decreases In Mortgage Rates
    03:47 Reduced Credit Card Interest Rates
    04:37 Impact On Personal Loans
    06:51 Lower Auto Loan Interest Rates
    08:58 Longer Loan Terms
    10:55 Federal Student Loans
    11:45 Private Student Loans
    15:35 Savings Account Interest Rates
    17:15 What's Really Going On
    18:04 Outro
    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • 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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:15 Federal Reserve Rate Cut
    00:31 Federal Reserve Quarterly Projections
    00:50 U.S Inflation & Economic Outlook
    01:10 Labor Market Conditions (U.S Unemployment)
    01:19 U.S Stock Market & Treasury Yields
    01:41 U.S Mortgage Rates
    1:53 Federal Reserve Rationale
    02:22 Dissenting Views \ Michelle Bowman
    02:59 Global Context
    03:17 U.S Market Reactions & Future Outlook
    05:58 Impact of Gradual VS Rapid Rate Cuts
    07:07 Addressing Housing Affordability
    08:47 U.S Inflation Risks
    09:19 Market Confidence
    10:27 Outro

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:10 U.S Inflation Extends Cooling Streak in August
    01:48 Energy, housing & consumer spending
    02:46 U.S Labor Market
    03:23 Market Reaction To Fed Signals
    03:46 ECB Rate Cut
    04:11 Federal Reserve Rate Cut Projections & ECB Rate Cut Projections
    05:11 Economic Challenges In The U.S & Europe
    08:06 Yield Curve Inversion & Normalization
    08:32 U.S Market Expectations
    08:59 Historical Context
    09:15 Yield Curves To Watch
    09:34 Market Misjudgment and Investor Overreaction
    09:54 Inflation Stabilization Possibility
    10:39 Uncertainty In Recession Predictions

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Check out Capitalize to consolidate your retirement accounts: https://hicapitalize.com/ywim. See site for full terms. This video is sponsored by Capitalize!

    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/
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:48 Let me be clear
    01:12 Trump VS Kamala: Economy
    05:15 Trump VS Kamala: Tariffs
    10:26 Trump VS Kamala: Taxes
    11:17 Trump VS Kamala: Housing
    12:04 Trump VS Kamala: Healthcare
    14:40 Trump VS Kamala: Student Loans
    15:45 Outro

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    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
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:16 United States Job Growth and Unemployment
    01:54 Federal Reserve Rate Cuts
    02:38 United States Economic Sectors Leading Job Growth
    02:57 United States Economic Outlook & Market Reactions
    04:07 Donald Trump VS Kamala Harris
    04:37 United States Job Numbers and the Federal Reserve’s Reactions
    05:17 Inflation VS Employment
    06:19 United States Unemployment Rate August
    07:19 U.S. Manufacturing Activity August
    08:25 Federal Reserve Rate Cut Speculation
    11:42 Broader Economic Outlook
    11:57 Outro
    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Go to https://meetfabric.com/CALEBHAMMER and start investing in your child’s future today.

    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
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶CHAPTERS:

    00:00 Intro
    00:39 Let me be clear
    01:15 Kamala Harris Small Business Tax Proposals
    05:11 Kamala Harris Business Regulations
    05:36 Donald Trump Business & Tax Proposals
    07:36 Kamala Harris VS Donald Trump
    07:51 Joe Biden Administration Policies On Small Businesses & Taxes
    10:04 Donald Trump VS Joe Biden
    10:32 Small Business Matter.. A LOT
    12:24 Will They Walk The Walk?

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Join now at https://freecash.com/r/YourWeekinMoney to start earning extra cash! Sign up using my link and enjoy a $5 bonus on your first offer.

    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
    _______________________

    ▶OTHER CHANNELS:

    1) Financial Audit: https://www.youtube.com/@calebhammer

    2) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
    _______________________

    ▶Chapters:

    00:00 Intro
    00:19 U.S. Home Sales Edged Up in July, Prices Still Near Record Highs
    01:21 How Will This Impact Everything?
    02:59 Are Home Prices Going To Rise With A Rate Cut?
    03:52 American Zoning Laws Are F*cked
    04:28 History Tells Us..?
    05:14 American Home Prices TODAY
    07:10 FreeCash!
    08:33 Facts Come First
    10:57 New Real Estate Rules

    _______________________

    ▶EXTRA

    1) My website: https://calebhammer.com

    2) My socials: https://linktr.ee/calebhammer

    3) Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.

    1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget

    2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle

    ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com

    ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

    _______________________

    ▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

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

    3) 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

    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
    _______________________

    ▶Fun things:

    1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

    2) Get your own Hammer Financial Score: https://www.calebhammer.com

    3) Merch: The most fun website: https://shop.calebhammer.com

    _______________________

    Chapters:
    00:00 Intro
    00:19 Kamala Harris' New Proposed Tax Plan
    00:35 Capital Gains Tax Details
    01:17 Unrealized Gains Tax Details
    01:44 Wealth Tax Details
    02:15 Potential Criticisms
    02:24 How This Could Impact You
    03:32 Let's Talk Potential Consequences
    06:16 Let's Talk Potential Positives
    08:45 The Harsh Reality Of Taxes In The United States RIGHT NOW
    10:53 The History Of Taxes In The United States
    12:14 "Just The Tip"
    12:58 Capital Gains Taxes Today & The Impact On The Economy
    18:11 Final Thoughts

    _______________________

    ▶My socials: https://linktr.ee/calebhammer

    ▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    ▶Sponsorship and business inquiries: [email protected]
    _______________________

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

  • Go to https://meetfabric.com/CALEBHAMMER and start investing in your child’s future today.

    1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget

    2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle

    ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com

    ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

    _______________________

    ▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

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

    3) 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

    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
    _______________________

    ▶Fun things:

    1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

    2) Get your own Hammer Financial Score: https://www.calebhammer.com

    3) Merch: The most fun website: https://shop.calebhammer.com

    _______________________

    Chapters:


    _______________________

    ▶My socials: https://linktr.ee/calebhammer

    ▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    ▶Sponsorship and business inquiries: [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.Dirty Money is BACK, with new and old designs ;) https://shop.calebhammer.com/ only available through the end of this month1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join_______________________▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb3) 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 Apply4.) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) 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_______________________▶Fun things: 1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer2) Get your own Hammer Financial Score: https://www.calebhammer.com3) Merch: The most fun website: https://shop.calebhammer.com_______________________Chapters:00:00 Intro00:14 September Rate Cut Inbound?01:14 United States Inflation Data Report14:09 InVideo16:09 United States Inflation Data Report Continued18:48 Dirty Money 2!_______________________▶My socials: https://linktr.ee/calebhammer▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/applyAny questions? Email [email protected]_______________________▶Sponsorship and business inquiries: [email protected]_______________________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: [email protected] more about your ad choices. Visit megaphone.fm/adchoices

  • Dirty Money is BACK, with new and old designs ;) https://shop.calebhammer.com/ only available through the end of this month1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join_______________________▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb3) 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 Apply4.) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) 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_______________________▶Fun things: 1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer2) Get your own Hammer Financial Score: https://www.calebhammer.com3) Merch: The most fun website: https://shop.calebhammer.com_______________________Chapters:00:00 Intro11:19 United States Stock Market... Is It Over?03:25 Japanese Stock Market Crash03:59 Is The United States Due For A Recession?_______________________▶My socials: https://linktr.ee/calebhammer▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/applyAny questions? Email [email protected]_______________________▶Sponsorship and business inquiries: [email protected]_______________________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: [email protected] more about your ad choices. Visit megaphone.fm/adchoices

  • Go to https://SAN.com/Caleb to stay fully informed. Visit through my link and/or download the app by searching “Straight Arrow NewsDirty Money is BACK, with new and old designs ;) https://shop.calebhammer.com/ only available through the end of this month1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join_______________________▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb3) 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 Apply4.) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) 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_______________________▶Fun things: 1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer2) Get your own Hammer Financial Score: https://www.calebhammer.com3) Merch: The most fun website: https://shop.calebhammer.com_______________________Chapters:00:00 Intro07:06 U.S Job Growth In July03:20 StraightArrow News04:18 U.S Job Growth In July Continued12L07 Dirty Money_______________________▶My socials: https://linktr.ee/calebhammer▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/applyAny questions? Email [email protected]_______________________▶Sponsorship and business inquiries: [email protected]_______________________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: [email protected] more about your ad choices. Visit megaphone.fm/adchoices

  • Try Rocket Money for free: https://RocketMoney.com/yourweek

    1) The best budgeting program online is now over 30% off through July 15th: https://calebhammer.com/budget

    2) Get all the tools you need to reach financial freedom. My budgeting program + investing program bundle is also 30% off through July 15th: https://calebhammer.com/bundle

    ▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com

    ▶Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

    _______________________

    ▶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: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link

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

    3) 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

    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
    _______________________

    ▶Fun things:

    1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

    2) Get your own Hammer Financial Score: https://www.calebhammer.com

    3) Merch: The most fun website: https://shop.calebhammer.com

    _______________________

    Chapters:
    00:00 Intro
    00:14 Economic Growth Quickens, Rising in Second Quarter
    04:58 Rocket Money!
    06:05 U.S. Home Prices Hit Record in June for Second Consecutive Month
    09:39 Tesla’s Profit Falls for Second Straight Quarter
    13:14 The Hottest Job Market in a Generation Is Over

    _______________________

    ▶My socials: https://linktr.ee/calebhammer

    ▶ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
    Any questions? Email [email protected]
    _______________________

    ▶Sponsorship and business inquiries: [email protected]
    _______________________

    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: [email protected]
    Learn more about your ad choices. Visit megaphone.fm/adchoices