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I (almost) Gave Up.. | Financial Audit

2025-10-15 Education
685.3k
11.3k
5.1k
Caleb Hammer
Caleb Hammer
3.3m subscribers

Extreme Spending Habits Sink Young Family into $133K Debt

Learn the shocking reality of $133,779 in debt accrued by a 27-year-old who funds his habits by ordering DoorDash to his parked car and taking 70% of his wife's income.

Short Summary

  • Eric (27) carries $133,779 in debt, driven by extreme food spending ($1,500+ monthly) and multiple high-interest financing agreements via Affirm.
  • He exhibited severe financial dependency, relying on his wife’s income to cover overdrafts while unilaterally taking 70% of her paychecks.
  • The guest recently acquired negative equity on a new Toyota Camry ($41K vs $31K value) while simultaneously owing $16K on a repossessed F-150.
  • The episode details fundamental behavioral failures, including purchasing items on credit (like a lawnmower) only to immediately sell them for cash to cover overdue bills.
  • Organize your finances immediately using simple, automated budgeting tools to halt this cycle of self-sabotage and dependency.

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Description

🍿 ohhh nooo, this post show is *insane* - I call his wife and fully expose him... she legit thinks he only had $4k of debt... this marriage is over, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Build credit fast with 80% off the first month (that's just $1!) at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! 💳 Get $50 for signing up with Current! 💳Sign up for Current with my link and get a free $50 bonus when you receive a qualifying direct deposit: https://current.com/hammer Terms and conditions apply. See https://current.com/legal_disclaimers for details. ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. 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 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 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 a FREE plan 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 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 11:40 why is he like this 23:40 thats ALL his??? 33:29 HE doesn't trust HER? ironic. 53:50 why did he wait so long to mention that lol 01:13:30 the affirm never ends... 01:33:17 Budget!! ___________________________________________ ▶More Content 🍿🎥📺🎞️🎬 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. 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 ___________________________________________ ▶*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)

@madisonedwards9101 2025-10-15

Wife has to read $120 in books a month to escape the reality of living with her husband. Bless her.

3.8k 30 replies
@ave-t3u 2025-10-15

133k in debt but wife's fault cause she reads. Incredible. I love people

3.2k 17 replies
@nicksherman1713 2025-10-15

“I don’t want a joint checking account with my wife. I don’t wanna risk her wasting my money before I do.”

2.0k 13 replies
@Baguettish 2025-10-16

blaming wife for buying some books right off the bat when he legit owes 7k because he committed fraud is INSANITY

1.7k 3 replies
@jacobward8748 2025-10-16

Every week, 3 times a week, I think to myself, " it can't get worse than this" and every week, 3 times a week, I am proven wrong.

1.3k 3 replies
@dragonstoy7649 2025-10-15

Anyone who says "I'm complicated." usually has the emotional depth of a puddle.

1.3k 12 replies
@hannahnielsen7694 2025-10-19

I think he's learned that if he stays frustratingly vague, people tend to get so fed up they stop asking and he never really had to face accountability

940 9 replies
@elises172 2025-10-15

He literally said “at least I’m living my own life”. You have kids, dude. Your life is not your own. What a selfish POS.

661 3 replies
@ryanhaskins7313 2025-10-18

Please start a banner for Caleb’s heart rate.

657 8 replies
@CalebHammer 2025-10-15

🍿 ohhh nooo, this post show is *insane* - I call his wife and fully expose him... she legit thinks he only had $4k of debt... this marriage is over, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB Build credit fast with 80% off the first month (that's just $1!) at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! 💳 Get $50 for signing up with Current! 💳Sign up for Current with my link and get a free $50 bonus when you receive a qualifying direct deposit: https://current.com/hammer Terms and conditions apply. See https://current.com/legal_disclaimers for details.

338 39 replies

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