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Dave Ramsey and Jade Warshaw answer your questions and discuss:
– “My friend offered to pay off my $73,000 debt and become my lender—is this a good idea?”
– “I spent $10,000–$15,000 on Pokémon cards using a credit card and can’t sell them. What should I do?”
– “My mother-in-law wants us to help pay for her vacation home—should we help or walk away?”
– “I make $200,000 a year but still use credit cards to make ends meet. How do I stick to a budget and get out of this?”
– “My new job pays only a third of my previous income—should we downsize our house to make ends meet?”

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Ellie, starts with a jar full of coins she’s saved up. With her eyes filled with glee, she spends all her coins on a mountain of candies. After multiple scenes of her trading coins for candies, Ellie ends up with an empty jar and a heavy heart.

Then enters Auntie, who, with a kind heart and wisdom, advises Ellie on the importance of saving money. Inspired by Auntie’s advice, Ellie decides to work hard to fill her jar again. She helps Uncle fix a toy car, and in gratitude, he gifts her some coins. She then assists Auntie in cleaning up the kitchen, and earns a few more coins for her efforts. Our story ends on a high note with Ellie carefully depositing her earned coins back into the jar, as she learns a valuable lesson on money management and saving.

Lesson Learned:
This video teaches children the value of saving money and that hard work pays off. It emphasizes the idea that instead of spending money impulsively, it’s wiser to save it for future use, while also learning to earn money through small jobs.

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DISCLAIMER: This video is for informational and entertainment purposes only. We are not financial advisers, and you should do your own research and go through your own thought process before investing in a position. Trading is risky; best of luck!

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Thanks to our good friends at Monarch for sponsoring this video! Get 50% off Monarch’s Core Plan with code TFD50: https://bit.ly/427monarch

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TFD’s Google Sheets financial templates! https://docs.google.com/spreadsheets/d/15XUd3Hq6HSMLbPDJCFAoGdiWrP0NiSwS-MeYDChHnaA/edit?usp=sharing

Chelsea takes it back to basics with a list of her go-to financial products, as well as the flop/scammy/terrible types of products she would never recommend using.

00:04:02 Secured credit card
00:07:15 Buy now, pay later apps
00:09:10 Monarch budgeting app
00:11:22 Store credit cards
00:14:21 Investopedia
00:16:20 Stock picking apps
00:20:04 Google Sheets
00:21:56 Kalshi/betting apps
00:25:45 My financial advisor
00:28:48 Ramsey solutions
00:33:37 FT news briefing

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SURPRISING MY PARENTS FOR 24 HOURS #shorts

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RESOURCES:
▶️ Join the Patreon Community ➭ https://whop.com/c/critical-wealth/ytd

🐪 Hump Days Newsletter ➭ https://humpdays.substack.com
💳 My Favorite Credit Cards ➭ https://cardonomics.com/i/humphrey

FREE GUIDES/TEMPLATES:
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🚗 Car Lease Payment Calculator: https://beacons.ai/humphreytalks/freedownloads
💵 Net Worth Tracker: https://beacons.ai/humphreytalks/freedownloads

PERSONAL LINKS:
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📧 GET IN TOUCH: I’d love to hear from you! If you have a longer question, or if you have a business related inquiry, please then send me an email at humphreytalks@gmail.com. I try my best to reply to all e-mail but sometimes I do not have enough time to respond to everyone.

PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel

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Maddie learns an important lesson about saving money and appreciating what she already has! When Maddie gets bored with new toys too quickly, Wendy helps her see the value of enjoying what she has instead of always wanting more. Watch as Maddie and Wendy have fun with their two toy cars and discover that saving money can lead to happiness too!

Subscribe for notifications to new videos: https://www.youtube.com/channel/UCgFXm4TI8htWmCyJ6cVPG_A?sub_confirmation=1

Check out our latest videos playlist: https://www.youtube.com/watch?v=fsHnS3mZglg&list=PL5gq3QGk5j3hRwpMNKQ9L5NyUt3FiTmSy

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▶ *FREE BONUS EPISODES* – I am personally paying for your Hammer *ELITE* subscription for the first month https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Sign up for *ELITE* and I’ll send you a digital gift card covering the $10 cost. In today’s post show, IT’S EVEN WORST THAN WE THOUGHT- I make him call his parents, and things go off the rails…

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___________________________________________
Chapters:

00:00 Intro

___________________________________________
▶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
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▶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: business@calebhammer.com

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Follow me on X: @moonlamboio

⚠️ DISCLAIMER: I am not a financial adviser. None of what I have communicated verbally or in writing here should be considered financial advice; it is not. Do your own research before investing in any asset or market, and understand that investing — including in cryptocurrency — carries risk. If you do, you need to be prepared to lose your entire investment.

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