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*JOIN FOR FREE* – I am personally paying for your Hammer *ELITE* subscription for the first month ➡️ https://bit.ly/chpostshow Sign up for *ELITE* and I’ll send you a digital gift card covering the $10 cost. In today’s post-show, I find and he that in just single nights…. he’s losing *ENDLESS* amount of money on his stupid gambling, and I go deeper on the tens of thousands he wants to spend on renovations…

💸 Download Dollarwise today: https://bit.ly/dollarwiseapp

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=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78
=============================
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*
=============================
👉 Get a $40,000 cash bonus by investing with 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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:13 Job & Income
05:13 He Has A “Millionaire Mindset”
15:04 Flex That Instagram For Us
17:33 LGBT Score
20:03 He Thinks He’s Immune To Sh*t Happening
22:27 How Much Did The Finances Look Last Month?
27:45 He’s An Entrepreneur! (Not Really, He Failed)
37:04 He Day-traded Meme Stock Too!!
42:40 Let’ Talk About His Expensive Ass Mortgage
52:53 He’s Radiating Main Character Energy
56:30 He Dragged Family Into This
01:02:54 Time For Some Dumb*ss Car Loans!
01:12:10 He Gets Sold On Everything (New Water System & Security System)
01:17:50 Ridiculous Credit Card Spending (Amex, Capital One & Apple)
01:25:30 Checking, Investing & Savings Accounts
01:27:31 Lets Build A Budget
01:29:56 Here’s The Gameplan
01:32:53 Hammer Financial Score
=============================
Want more content?
=============================
🍿Caleb Hammer LIVE: / @calebhammerlive
🍿 Financial Audit Follow-Ups here: / @financialauditfollowups

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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: business@calebhammer.com

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Minimalism isn’t about deprivation. It’s about creating financial margin by reducing the hidden costs of “stuff” and stopping lifestyle creep before it traps your income. This video lays out ten minimalist money rules you can apply immediately, including cost-per-use thinking, the replacement test, spending friction systems, and how to define “enough” so you can save, invest, and build real optionality.

Two people can live in the same neighborhood with similar rent and end up in completely different financial realities—not because of income, but because of how much lifestyle maintenance their possessions demand. This video explains the minimalist rules that consistently separate people who always have money from people who feel broke even on a strong salary.

You’ll learn how to calculate the real cost of ownership, build simple decision rules that prevent accumulation, and shift your definition of wealth away from visible consumption and toward financial optionality. The aim is practical: reduce recurring drain, increase savings capacity, and make “having money” the default outcome of your daily choices.
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👉 Subscribe for more insights on achieving financial freedom! https://www.youtube.com/channel/UCFPfloFwa6X2UddqRH83rAA?sub_confirmation=1
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🔵 Relevant hashtags: #personalfinance #investing #investingforbeginners #wealthbuilding #moneymindset #moneytips #financialfreedom #passiveincome #stockmarket #indexfunds #etfs #dividendinvesting #budgeting #savingmoney #debtfreejourney #retireearly #financialliteracy #moneymanagement #sidehustle #buildwealth
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‼️ Disclaimer ‼️
I’m not a financial advisor, lawyer, therapist, or any other licensed professional. The content on this channel is for educational and entertainment purposes only. Everything shared here reflects my personal opinions and should not be taken as financial, investment, legal, medical, or relationship advice. Any stories, examples, or characters used are composite illustrations meant to explain ideas, not to represent real people or specific situations. Real-life outcomes vary widely because everyone’s circumstances are different, and any statistics referenced may come from studies with limitations and may not apply to every individual. Always do your own research and consider your full situation before making important decisions. When needed, consult a qualified professional who understands your personal circumstances.

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AGHHH *SHE’S FUNDING A FELON* — this is beyond crazy, she can’t take care of herself, but she is so desperate for an evil man that *she is sending him all of her MONEYYYY* Watch post show here: ➡️ https://bit.ly/chpostshow

💲 See what’s new inside Dollarwise today → https://bit.ly/4ab6UM8
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 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://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78

Start banking smarter today through Chime® and get up to a $350 bonus here: https://chime.com/caleb Thanks to Chime for sponsoring this video!
=============================
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*
=============================
👉 Get a $40,000 cash bonus by investing with 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://secure.moneymatchup.com/350-bonus
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
01:00 Job & Income(?)
06:10 Excuses Not Even 10 Minutes In
10:15 Nobody On The Show Is “Doing Fine”
12:38 Chat, Is She Cooking?
26:10 She’s A “Witch” Apparently30:42 Some Misogyny..?
36:30 I Too Travel To Tijuana When I Get Fatally Injured
40:52 SHE SAID THE THING
42:08 Christmas Is A LUXURY
50:06 More WITCH CRAFT
58:00 She’s Spending Like She GOT IT Like That
01:03:08 Beyond Spoiled
01:08:28 Its An Infinity Stone! (Expensive Water Filtration System & Solar)
01:11:55 She’s In Denial LOL
01:24:43 Budget!
01:28:42 Hammer Financial Score
=============================
Want more content?
=============================
🍿Caleb Hammer LIVE: / @calebhammerlive
🍿 Financial Audit Follow-Ups here: / @financialauditfollowups

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: 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: business@calebhammer.com

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💰 *Download Dollarwise- 6.0 Is Now LIVE* – Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP

👉 Original Episode: https://www.youtube.com/watch?v=EHKWOc7hNRA

🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/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://secure.moneymatchup.com/350-b…

=============================
Sponsors for This Video
=============================

=============================
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
=============================
👉 Get a $40,000 cash bonus by investing with 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://secure.moneymatchup.com/350-b…
👉 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 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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
=============================
Want more content?
=============================
🍿 Financial Audit: https://www.youtube.com/@CalebHammer
🍿Caleb Hammer LIVE: https://www.youtube.com/@calebhammershow
=============================
Connect with me!
=============================
TikTok: / calebhammercomposer
X: https://x.com/sircalebhammer
IG: / calebhammercomposer
Facebook: / 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: business@calebhammer.com

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Wealth can be created easily — but that doesn’t mean it’s real.

In WTF is Finance, Ray Dalio explains how money actually works, why asset bubbles form, and how investors should build portfolios that survive cycles, debt, and political change.

00:00 – Ray Dalio’s early life & first exposure to markets
04:55 – Why early wins hook people into trading
07:20 – Leverage, futures & learning risk the hard way
08:45 – Nixon ending the gold standard & why it mattered
11:25 – What money really is (store value vs medium of exchange)
15:00 – The interest-rate trap: promises vs real money
18:00 – How Ray compares assets, liquidity & leverage
21:48 – Portfolio construction if you can’t beat the market
24:21 – Bitcoin, stablecoins & why Ray remains cautious
26:40 – What actually counts as a store of wealth (beyond gold & crypto)
28:41 – Real estate, taxation & why immovable assets are easy to tax
30:44 – Learning by proximity: the modern version of “being a caddy”
34:22 – Prediction markets: speculation vs hedging
36:02 – Wealth vs money: how bubbles are created
41:32 – The 5 big forces that drive economies & markets
45:39 – How young Indians should actually “play the money game”
50:00 – What makes a successful trader or investor psychologically
52:43 – Curiosity, cause–effect thinking & building an edge
55:00 – Ray Dalio on legacy, Community & passing knowledge forward
59:50 – Leadership lessons from China, UAE & global powers
1:05:02 – China vs US vs India: understanding the new world order

#NikhilKamath Entrepreneur & Investor

Host of ‘WTF is’ & ‘People By WTF’ Podcast
X: https://x.com/nikhilkamathcio/
Instagram: https://www.instagram.com/nikhilkamathcio/
LinkedIn: https://www.linkedin.com/in/nikhilkamathcio?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app
Facebook: https://www.facebook.com/nikhilkamathcio/

#RayDalio

American Hedge Fund Manager
X: https://x.com/raydalio
Instagram: https://www.instagram.com/raydalio/
Linkedin: https://www.linkedin.com/in/raydalio
Facebook: https://www.facebook.com/raydalio/

Watch ‘WTF is’ Podcast on Spotify
https://open.spotify.com/show/5T1uhRS…

Watch ‘People by WTF’ Podcast on Spotify
https://open.spotify.com/show/435Ybgm…

Watch ‘WTF Online’ on Spotify
https://open.spotify.com/show/3BQFvdH…

#PeopleByWTF #WTFOnline

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@TheBearableBull sits down to talk about why he finally revealed his face after years remaining anonymous, the AI tool that nearly outed him first, and the macro setup he thinks forces XRP price action

They dig into the reverse carry trade unwinding out of Japan, the Bank of Japan’s rate hikes squeezing trillions in borrowed yen, and how XRP ETFs could rotate liquidity when the bond market starts cracking. Jake walks through his Domino Theory step by step, why Tether may be the ticking time bomb sitting underneath the entire crypto market, and how tokenized stocks and real-time settlement on the XRP Ledger plug into what Wall Street is rebuilding right now.

————————————————————
🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation
📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan
👥 Beyond Broke private community → https://www.beyondbroke.com
🔒 D’CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj
🔗 All my socials & newsletter → https://jakeclaver.com/links

⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

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THE WEEK BEFORE COMING ON THE SHOW, THEY WENT INTO INSANE DEBT FOR SOME TIKTOK FURNITURE AND THEY HAVE SIX MONTHS TO PAY OFF OR IT BLOWS UP…… AGHHHHHH THIS POST SHOW IS INSANE, Watch here: ➡️ https://bit.ly/chpostshow

🎉 Black Friday: Save HUGE on Courses, Community, and more: https://calebhammer.com/specials
🎉 Black Friday: 20% OFF Site wide on ALL merch: https://shop.calebhammer.com/

🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/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

=============================
*Sponsors for This Video*
=============================
Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78

Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/caleb to find and instantly book a top-rated doctor today.

=============================
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*
=============================
👉 Get a $40,000 cash bonus by investing with 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
07:35 what is going on LMAO
23:40 so we finally got the second income
41:16 financial exorcism, i like that
55:40 what in tarnation
01:12:55 they have no clue
01:35:02 Budget!!
=============================
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: business@calebhammer.com

source

🚨 START HERE — Free Crypto Survival Guide, Community + Daily Alerts:
https://mylesginvestments.com/

📈 SIGNALS — Real-time trade alerts + private community ($49/mo):
https://whop.com/mylesginvestments/myles-g-investments

👑 VIP — Private trade alerts, mentoring, weekly live classes ($199/mo):
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⚡ Trade with me on Blofin (up to $9K deposit bonus):
https://partner.blofin.com/d/MylesG

🎯 The indicator I use for my entries (AlgoSniper):
https://algosniper.com/

📲 Follow:
X: https://twitter.com/MylesGInvest
IG: https://instagram.com/MylesGInvestments
Telegram: https://t.me/mylesginvestments

#XRP #Ripple #BTC #XRPNews #XRPPrice #Crypto #Bitcoin #CryptoNews #XRPHolders #Ripple2026 #XRPBreakout #AltcoinSeason

—
Educational content only. Nothing shared is financial advice. Crypto trading involves substantial risk. Always do your own research.

Terms: https://www.mylesginvestments.com/terms-and-conditions
Privacy: https://www.mylesginvestments.com/privacy-policy

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