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These Illegal Immigrants Are F*cked | Financial Audit

2025-10-20 Education
630.6k
14.2k
5.8k
Caleb Hammer
Caleb Hammer
3.3m subscribers

Unmasked: Couple with $133,000 Debt Fails Basic Budget Sacrifice Test

Discover how a couple’s fundamental disagreement on budgeting methodology drove them to $133,000 in debt, hidden spending, and nearly derailed their future together.

Short Summary

  • Rejecting basic financial sacrifices (like selling an asset) prevents the formulation of a viable payoff plan, leading the Host to threaten ending the audit.
  • The couple exhibits extreme misalignment on finances, with one partner actively hiding spending and debt (e.g., $4,500 concert tickets) while believing they are "making progress."
  • Severe structural issues exist, including one partner lying about their age, the shared inability to track spending, and failure to utilize legal protections available to them.

This session reveals a couple, Natasha (29) and Oscar (32), functioning as life partners but managing finances completely separately, leading to catastrophic consumer debt. The primary conflict centers on methodology—monthly vs. weekly budgeting—which masks a deeper refusal by one partner to accept limitations necessary for debt repayment.

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Description

Oh.... my... goodness... There is a *secret debt* that she got behind his back, yet SHE IS THE ONE DOING WELL?? uh huhhh... not on my watch. ... Watch the post show here: ➡ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb ============================= Our Sponsors for This Video ============================= 👉 Grab your free seat to the 2-Day AI Mastermind: https://link.outskill.com/CALEBHAMMEROC4 🔐 100% Discount for the first 1000 people 💥 Dive deep into AI and Learn Automations, Build AI Agents, Make videos & images – all for free! 🎁 Bonuses worth $5100+ if you join and attend Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Try it FOR FREE at this exclusive web address: http://ZipRecruiter.com/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= Check Out My Resources ============================= 👉 I'VE MOVED MY INVESTMENTS TO WEBULL! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= Chapters: ============================= 00:00 Intro 15:00 thats just slimy.. 22:54 what is she on about 33:34 ooo hes being very spicy 41:25 laughing at that is crazy work 53:19 gift giving.. okay?? 01:00:40 ooo she lying 01:19:37 soccer is love, soccer is life ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= Connect with me! ============================= TikTok: 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]

Top Comments (10)

@sabina_220 2025-10-20

why do so many people think having kids is less of a commitment than getting married???

11.2k 236 replies
@UnbornHeretic 2025-10-21

If I was a divorce lawyer, I'd set up a billboard outside the financial audit studio.

8.9k 57 replies
@veras2483 2025-10-20

“Girl Math” used to be a fun thing to say when you used a gift card or something, but now it’s just weaponized incompetence.

7.7k 77 replies
@bryacosta 2025-10-20

“I can spend whatever I want, we’re not married” while living off his income is diabolical

5.8k 39 replies
@Larsaloo961 2025-10-20

Saying that your 17 year old can’t handle a conversation about not getting what she wants because they can’t afford it is such a parenting L

3.1k 25 replies
@katherine.patterson 2025-10-22

This lady’s 17 year old daughter will end up on Financial Audit in a few years saying “my parents never taught me how to budget”

2.8k 32 replies
@CalebHammer 2025-10-20

Oh.... my... goodness... There is a *secret debt* that she got behind his back, yet SHE IS THE ONE DOING WELL?? uh huhhh... not on my watch. ... Watch the post show here: ➡ https://bit.ly/chpostshow ⚡ Download the DollarWise Budgeting App today:➡ https://bit.ly/dollarwiseapp ⚡ Get your FREE Hammer Financial Score:➡ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb ============================= Our Sponsors for This Video ============================= 👉 Grab your free seat to the 2-Day AI Mastermind: https://link.outskill.com/CALEBHAMMEROC4 🔐 100% Discount for the first 1000 people 💥 Dive deep into AI and Learn Automations, Build AI Agents, Make videos & images – all for free! 🎁 Bonuses worth $5100+ if you join and attend Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Try it FOR FREE at this exclusive web address: http://ZipRecruiter.com/caleb Marcie Woodley, Tech Guy, Sharon Santiago, Red Cruz (ll Fat Loki), Kelsey Zettler, Thomas Vance, Jonathan Rollins, Renee Hopkins, GothRocker7, Brandi Heller, MrTacochew, Sebastian Okier, Kristen Sather, Catwithsocks, JKarot2, Bailey Stark, Scott Oldford, Shaggy Bestul, Leon Montenegro, cheyenne dann, Susan Wenzel, CaptainCromerica Gaming, Khoa Nguyen, Tommy Sheehan, Sarah Champion, Andrew McCanna, Kard Harsdivia, Elizabeth Fairbairn, John O’Connell, SAGStudios, Canopr1ngles, Mistress Venia, Hav 307, Clayton Copper, Mags Paracha, Cho Long Kim, Aaron Martinez, BigPapsOG, Michael Plummer, Pe@chy, Sarah Nelson, Jazmyn Donley, Youssef, Christian Duarte, Jasmin Henderson, Austin Hagan, Redmel9, mauro suarez, Will Minshall, Emma Johnston, Jason Albers, T3N, Wrath Divine, Halla Knotts, alexis m, ThatGuyNamedEugene, Sarah Routon, Caitlyn Booker, Trent Schmidt, IrishNathan007, Vince Carter, Anthony Kasawdish, Country Crypto, sangybr, isaiah waitkevich, Yazz, Chris McKenzie, Jennifer Giovetti, Elijah Perkins, Slowahhmedia, RJG, TherealMVP, Lucero Saenz, Dawson Yandle, Layla Weaver, ECbear2585, Travis Woods, facu salas, Tonvisage, Ginny Harrison, Sharon D, Hands_Of_Skorm, Prey, Camo1691, Vanessa Ramirez, Noah siegle, Ola, Ctopp, Corey S., nan, joker illusive, Abigail Zorrilla, wnick1899, catzius1212, reyuho, Clippybara, Daniel Scott, JohnPeter Stravinski, D Will, Victoria Komar, Adrian C, Eric lozano, Evan Lehr, nan, Spare No One, Bailey Reiners, Ian Dickhaus, Zunon, LtMadWolf, Steph Willard, DaveDew, Saylor Fisher, Andrew, Connor Covington, Zachary Sarnacki, Bridger Gifford, Oscar, Ivegottoxickisses, Thomas B, Allegedly A Fed, Ryann Peck, Carlos Leon, Sarah Brunsmeier, Aaron Stelter, Trish, Andy Garcia, Anand Vadlamani, MintyPeaPhD, Corroding Shell, hadley gibbs, Desiree Haro, Solerons 91, Lance Tardiff, HerValk, Dr. Fajingler, Cinthia Morton, Corey Johnson random adventures, Stecker Graphics, Cerberus the chef, Dulce Torres, Ƭʀɑɛӄɑʟ S̷ӄɑʟʀɪ, Vergost 122, Grant Oster, Apollo XV, Betty C, Ethan Hammerle, Kathryn Wheeler (Kathy), Julian Ellison, Maksim Sviridov, Tanya Hilton, SlightlyZelus, Salsa Verde_NP, PaperInk:orangutan:, Madsy, Georgie B, RobbyV, Madison Cribbs, Alec, All Star Strength, Hannah Dooley, Danniella Fennelly, Fernando P., Kayne M, Kelsie Jones, Bryson Still, Will Fisher, Mykayla, Oopsallpeas, Peter McInerney, Evan Nekuda, Jessica M, Marly Zeigler, Margaret C., Jonathan Tanguay, PK, Maxwell Nickles, Derek Gregory, Keith Govoni, Luca Diaz (Luryon), Tyler Smith, Cameron Murzyn, Forca DesignLLC, Alastair, Margaret, Kadie Helgeson, Zax, Marc26110, Ledrian Maldonado, Evngln2100, DryFish187, Tylinann, Peter, Cloud, Kimber:kiss:Myadhdaddictions :kiss:, Keith Adams, Lauren Hadfield, Chloe, Geddy Samuels, Nick Fahrner, GIGN - Gig In Great North, Miguel Moyer, DusDee, holly wade, hashley, Stephanie Tang, Samuel Santos, Jasoleia El Omari, Steph Cote, King Yeetles, Holydarkx, Earl Cowan, Stephanie West, Domennator, Cyndy Goodin, Diego 17_21, Natalie Solis, Keira Hall, K Johnson

788 47 replies
@angelahale11 2025-10-29

"It's harder to stick to a budget when you have kids." Translation: "I never tell my kids no."

735 4 replies
@kaishadows919 2025-11-04

She is so insufferable. Acting like a teenager when she's a grown ass woman.

191 5 replies
@KxTxP1224 2025-11-03

“Are you a stay at home mom because we’re afraid you’ll leave the house and get lost?” Had me dying😂

175

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