Resources I use/would use (with discounts/sign-up bonuses):

1) Investing: Start investing, or open a retirement account, and get a free $5 by using my link:

2) Checking & Savings: Get up to 4.40% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: *affiliate link

3) Online security: Protect your online privacy and security NOW and for free by following my link to our sponsor Aura:

4) Credit building debit card: The first 1000 people to sign up for Fizz with code: HAMMER10 get $10:

5) Coursecareers: Get qualified for a better job and increase your income: and use code HAMMER50 to get $50 off the full course.

6) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile:

7) Monzo account: A money management app that helps you see, save, and spend your money with confidence. Sign up today for free by following my link:

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Chapters:

00:00 Job and income
05:16 They are NOT on the same page
09:38 See now you’re lying
16:10 You guys are scaring me
19:49 MONZO
26:20 Are we cope spending?
32:20 You have so much debt!
37:13 That’s what you buy from AMAZON?!
43:40 You guys are drowning
50:59 401K match wins every time
56:17 You need to budget
01:01:01: 160 hours a week and still F’d
01:04:51 Course Careers
01:06:08 Clean up this mess
01:19:26 Hammer Financial Score
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My socials:

Do you want to be in a Financial Audit? We film on Monday/Tuesday every week in Austin, Texas (in person only)? Fill out this brief survey if you are interested:
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Sponsorship and business inquiries: calebhammer@creatorsagency.co

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*Some of the links and other products that appear on this video are from companies 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: calebhammer@creatorsagency.co…(read more)

LEARN MORE ABOUT: IRA Accounts

TRANSFER IRA TO GOLD: Gold IRA Account

TRANSFER IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

His Wife Would Rather Blow Their Money: Financial Audit

Finances play a crucial role in any relationship, providing a foundation of stability and security for the present and future. However, when one partner is more inclined towards reckless spending, conflicts may arise, leading to strained relationships and potential financial ruin. This unfortunate situation is not uncommon and often necessitates a financial audit to assess the current state of affairs.

One such case involves John, a diligent saver who values financial security, and his wife Sarah, who has a penchant for indulging in extravagant purchases. Their conflicting spending habits have created an imbalance in their relationship, putting their financial future at risk. Sensing the urgency of the matter, John decides to undertake a financial audit to gain clarity and seek potential solutions.

A financial audit is a comprehensive examination of one’s financial principles, spending habits, and budgeting strategies. It involves meticulous analysis of income, expenses, investments, debts, and savings to identify areas of concern and opportunities for improvement. This objective assessment provides a rational perspective and enables individuals to make informed decisions regarding their financial stability.

For John, the financial audit begins by evaluating his own spending patterns and assessing whether his saving goals are realistic. It is crucial to identify any potential areas where both partners’ spending habits can be reconciled, fostering an environment of open communication and compromise. John may find areas in which his budget can be adjusted to accommodate Sarah’s desire for luxury, without endangering their financial stability.

The next step in the financial audit involves examining Sarah’s spending patterns. Through open dialogue, Sarah needs to understand the importance of financial security and the need to prioritize long-term goals. Often, individuals who indulge in reckless spending lack a comprehensive understanding of the potential consequences, which can be a catalyst for change once realized.

One suggestion during the financial audit process could be to establish a joint budget, allowing both John and Sarah to contribute to the decision-making processes. This shared responsibility helps to create accountability and encourages open discussions about spending habits. John could propose a compromise, suggesting that a certain percentage of their combined income is allocated towards Sarah’s discretionary spending.

Simultaneously, it is vital to identify any underlying emotional issues that may be driving Sarah’s excessive spending. Often, individuals use material possessions to fill a void or seek validation, making it essential to address these deeper-rooted concerns. Whether it be seeking professional guidance or embarking on personal development journeys, addressing these emotional needs can contribute to a healthier financial dynamic within the relationship.

Ultimately, a financial audit serves as a wake-up call and an opportunity for growth. It presents a chance for both partners to reflect on their individual habits and come to a shared understanding of their financial priorities. John and Sarah must collaborate, finding a balance between enjoying their present while securing their future.

In conclusion, conflicts surrounding financial disagreements are prevalent in many relationships. Undertaking a financial audit offers a way to assess the situation objectively and seek potential solutions. Through open communication, accountability, compromise, and addressing underlying emotional needs, couples can navigate the path towards financial stability and strengthen their bond along the way. Remember, it is never too late to turn the tide and build a healthier financial future together.