Your 20s are the most important decade for your financial future — and also the easiest time to fall into money traps that will set you back for years.

In this video, I break down the biggest financial mistakes people make in their 20s, ranked tier-list style from financial doom to you’ll be aight.

Drop a comment — which mistake do you think deserves S-tier?

Timestamps:
Intro – 00:00
Buy Now Pay Later – 00:42
Leasing / Financing a New Car – 2:55
Copying Friends – 5:15
Cosigning – 6:34
Buying Courses – 7:49
Eating Out / Food Delivery – 9:46
Emergency Fund – 11:04
Gambling – 12:41
High-Interest Debt – 14:35
Impulse Shopping – 16:00
Bad Stock Investment – 16:53
Lifestyle Creep – 18:03
Living Above Your Means – 19:38
Never Job Searching – 20:33
Not Opening a Roth IRA – 22:02
Not Getting Help With Taxes – 24:09
No Simple Budget – 26:10
Overpaying Insurance – 27:48
Subscription Overload – 29:11
Student Debt With No Direction – 30:18
Traveling Too Much – 32:10
Treating Your 20s Like You Have Time – 34:10
Losing Money on a Side Hustle – 35:47
Waiting to Invest – 37:12

#personalfinance #moneytips #financialmistakes #investing #budgeting
#wealthbuilding #moneyhabits #tierlist

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Prepare for one more BIG CRYPTO CRASH… and then this.
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Timestamps:
0:00 – intro
0:27 – This is a distraction
1:12 – Wall Street Cheat Sheet
1:22 – How to Get Rich in Crypto
2:08 – Emergency Rate Cut Coming?
3:16 – Do Not Be Fooled
6:17 – This is a historic entry point
7:40 – Why you should invest in ETH in 2026
13:02 – final thoughts

**Note: My overall opinion is that the name of the game is to accumulate as much Bitcoin as possible. Alts are interesting but a lot more speculative. I use them to accumulate more Bitcoin & Ethereum.

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#bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #business #success #investment #finance #coinbase #binance #stocks #wallstreet #investor #wealth #bullish #crash #collapse #economy #cnbc #cryptolive #altcoindaily

***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! I AM NOT AN EXPERT! I DO NOT GUARANTEE A PARTICULAR OUTCOME I HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST EDUCATION & ENTERTAINMENT! USE ALTCOIN DAILY AS A STARTING OFF POINT!

This is NOT an offer to buy or sell securities.

Investing and trading in cryptocurrencies is very risky, as anything can happen at any time.

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*The channel is not responsible for the performance of sponsors and affiliates.

Most of my crypto portfolio is Bitcoin, then Ethereum, but I hold many cryptocurrencies, possibly ones discussed in this video.

cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, best crypto investment, ethereum, xrp, crash, crash, price, prediction, podcast, interview, finance, stock, investment, too late, bitcoin, cryptocurrency news, bitcoin news, cryptocurrency news media online, best crypto investments, 2026 prediction, should I buy ethereum?, blackrock, donald trump, coin bureau, binance, coinbase, trading crypto, trade, make money, cryptosrus, bitcoin today, bitcoin cnbc, altcoin news,

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Financial dynamics within a marriage are often lead to wives inadvertently losing wealth. This perspective shifts the narrative by encouraging wives to frame their contributions to the household not as gifts, but as loans. By maintaining this distinction, the responsibility remains squarely with the husband, ensuring that personal savings are protected in the event of a separation or divorce. It is a calculated approach to financial autonomy that challenges traditional spending habits.
#financialadvice #marriageandmoney #personalfinance #wealthmanagement #financialindependence

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Finance 027 – 25k salary to 25 lakh saving

“₹25,000 की सैलरी से ₹25 लाख की बचत कैसे करें? जानिए सही फाइनेंशियल प्लानिंग, निवेश विकल्प और बचत के स्मार्ट तरीके। #SavingsPlan #FinanceShorts”

Keywords:
25k salary to 25 lakh savings, savings plan India, financial planning tips, wealth creation from low income, salary saving tips, investment strategies, mutual funds for beginners, SIP for small savings, finance tips for employees, long-term savings goals

Hashtags:
#SavingsPlan #FinanceShorts #WealthCreation #FinancialPlanning #IndiaFinance #SmartSavings #SalaryToSavings #SIPTips #InvestmentGoals #LongTermSavings

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#shorts

All of my finds are linked in my bio and in the video for you!

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=============================
*Chapters*
=============================
00:00 Intro
01:24 Why Arkansas??
02:15 Jobs & Income
03:55 50-Year-Old Man With.. Fomo??
07:50 That’s Pretty Odd Ngl
10:19 Oh My God, His Dad Beyond Enables Him.
13:40 So He Doesn’t Wanna Marry Her.. HMMMM
17:40 She’s Not Connecting The Dots lol
20:16 I Really Don’t Like These Two
28:10 I Love It When They Can’t Get Their Lies Together lol
33:30 Wake Up LADY
36:37 She Loves Being Pregnant???
39:39 Maybe She’s Staying To Keep Getting Spoiled?!?!?
43:33 13% Interest Rate Is GOOD??
52:05 Why Are YOU Here?
59:00 I Don’t Think Caleb Likes Them
01:14:07 She Didn’t Ask ANY Questions??
01:22:23 Valid Crashout Tbh
01:29:21 Budget!!
=============================
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=============================
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*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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A Saina Music Indie Original

Director : Nihal Hameed
Producer : Aashiq Bava
Music Composed & Produced by : Sreehari K
Lyrics : Sharfu
Vocals : Hanan Shaah, Dhaliya Navas
Concept & DOP : SBK Shuhaib
Editor : Muhammed Shabeer
Creative Director : Rajeesh Velayudhan
Dance Choreographer : Amruth Ratna
Executive Producer : Salman KM, Amal Aricken
Project Coordination : Bhadra Sandeep, Suhas KS

Audio Credits

Music Composed & Produced by : Sreehari K
Lyrics : Sharfu
Vocals : Hanan Shaah, Dhaliya Navas
Guitars by Sandeep Mohan
Ethnic Percussion by Suresh Krishnan
Chorus by Shabarish, Shihad, Basil , Anjali P Sivakumar, Angelina Luka , Dhaliya Navas
Kazoo & Additional Background Vocals by Sreehari K
Mix and Mastered by Sai Prakash at My Studio Cochin
Studio : My Studio , Nhq , Skr Studios , Hotel California
Recording Engineers : Akshay Kakkoth ,Omkaradas Om, Sreerag Suresh

Artists : Dilshana, Stini Francis
Line Producer : Yoonus Daxo
Art Director : Ansar Koppan
Costumers : Shaik Darwesh, Afeefa Puthige, Khayali Couture, Manly Costumes
Makeup : Althaf, Harsha Pathu, Shaiba SBK
Chief Associate Cameraman : Aromal MJ
VFX : Thoufeek
Colorist : Bilal Rasheed
Di studio – Hues & tones
Stills : Sameeh Ibn Usman
Associate Director : Alan Joseph Siby
Associate Choreographers : Mahir Shamz, Alvina
Gaffer : KK Ameen
Associate Cameraman : Sarath Krishnan
Assistant Directors : Neha Mathew, Sarangu Baisil Sanal
Assistant Cameraman :Farhan Vadakkan
Associate Editors : Bharath Edat, Vishnu Adhvik
Team Costume Design: Fathima Dansha, Afri, Murad
Makeup Team : Fathima, Lalu, Lubna
Dance Team : AG Dance & Fitness Studio
Designs : Vishnu Narayan, Krishnaprasad KV, Martin Shaji , Muhammed Alfas , Shivada J , Sahin
Spot Editor: Rahul Raghunath
Making Video : Sooraj KV

Location Partner : Staydium
Event Partner : Fayiz – Be Weddings

Lyrics:

മാണിക്യ കല്ലുകൾ പോലും
നാണിച്ച്‌ പോകണ ചേലിൽ
കല്ലിയാണ പെണ്ണൊരുങ്ങും നാളിത്‌…
പതിവിലേറെ പുതുമയോടെ
അതിഥിയായി വരുമൊരാൾ…

ചുരുൾമുടി ചുരുളിലു കുടമുല്ലയും
കസവുള്ള മുന്താണിയും
പരിമളം പരത്തുന്ന തളിർമേനിയും
കണ്ണഞ്ചും സുന്ദരി നീ സുന്ദരി….

ആഘോഷത്തിലു ആളുകൾ
ചെത്തിലു ഒത്തൊരുമിച്ചേ
സൊറ പത്ത്‌ പറഞ്ഞ്‌ രസിച്ചേ
പല അത്തറു തേച്ച്‌ വിരാജിച്ചേ…

ഏനാന്തത്തിലു കുട്ടികൾ
ചുറ്റിലും കുത്തി മറിഞ്ഞേ
നടു പന്തലിൽ ഓടി നടന്നേ
ചിലർ കോന്തല തൂങ്ങുന്നേ…

നാരീ പുതുനാരീ നാണംകൊണ്ട്‌ കുണുങ്ങീ
സാരീ കാഞ്ചീപുരം ഉടുത്തൊരുങ്ങീ
മാരൻ കാറിൽ വരുന്നതും
ഹാരം തരുന്നതും
ഓർത്ത്‌ കരളിലു കുളിരിറങ്ങീ..

മംഗല നാളിലു അംഗനമാരുടെ
അംഗുലിതുമ്പിലു ലങ്കിമറിയണു
അമ്മിമലിട്ട്‌ അരച്ച്‌ വരച്ചൊരു മൈലാഞ്ചി…

പന്തലു നടുവിലു ഒപ്പന ആടണ
നാൽപ്പതിൽ മിന്നണ സുന്ദരിമാരുടെ
കജ്ജിലും കാലിലും മൊഞ്ചിലു ലങ്കണു മൈലാഞ്ചി…

കാച്ചിഉടുത്തുംകൊണ്ട്‌
പാച്ചിലു പായുന്നുണ്ട്‌
കല്ലാച്ചിനിന്നും വന്ന വലിയമ്മായി

പച്ചനിറത്തിലുള്ള
റൈബാനും വെച്ചുംകൊണ്ടു
കച്ചറ കുറ്റിച്ചിറ ചെറിയമ്മായി

ജന്നലിനോരം ജാലമെറിഞ്ഞ
പെൺമണിമാരുടെ കണ്ണിണകണ്ട്‌
കൺമുനകൊണ്ട്‌ ചൂണ്ടയെറിഞ്ഞ്‌
തിരിഞ്ഞ്‌ മറിഞ്ഞ്‌ നടന്ന് കളിക്കും
മൊഞ്ചൻമാർക്കൊരു മോഹം
ഈ സംഗതിതന്നെ പ്രേമം
ഇത്‌ അങ്ങനെ ഇങ്ങനെ
ഖൽബിൽ കനവിൻ
മണിയറ പണിയണ
സരിഗമപധനിസ…

നാരീ പുതുനാരീ നാണംകൊണ്ട്‌ കുണുങ്ങീ
സാരീ കാഞ്ചീപുരം ഉടുത്തൊരുങ്ങീ
മാരൻ കാറിൽ വരുന്നതും
ഹാരം തരുന്നതും
ഓർത്ത്‌ കരളിലു കുളിരിറങ്ങീ..

ദമ്മിലു വേവും നേരം
ആവി പറപറക്കും
കോഴി ബിരിയാണീടെ
മണംപിടിച്ച്‌,

കാലൻ കുടപിടിച്ച്‌
കാലുമ്മേൽ കാലുംവെച്ച്‌
കോലായിൽ കുത്തീരിക്കും
വല്ലിപ്പാമാരു

ജന്നലിനോരം ജാലമെറിഞ്ഞ
പെൺമണിമാരുടെ കണ്ണിണകണ്ട്‌
കൺമുനകൊണ്ട്‌ ചൂണ്ടയെറിഞ്ഞ്‌
തിരിഞ്ഞ്‌ മറിഞ്ഞ്‌ നടന്ന് കളിക്കും
മൊഞ്ചൻമാർക്കൊരു മോഹം
ഈ സംഗതിതന്നെ പ്രേമം
ഇത്‌ അങ്ങനെ ഇങ്ങനെ
ഖൽബിൽ കനവിൻ
മണിയറ പണിയണ
സരിഗമപധനിസ…

മംഗല നാളിലു അംഗനമാരുടെ
അംഗുലിതുമ്പിലു ലങ്കിമറിയണു
അമ്മിമലിട്ട്‌ അരച്ച്‌ വരച്ചൊരു മൈലാഞ്ചി

പന്തലു നടുവിലു ഒപ്പന ആടണ
നാൽപ്പതിൽ മിന്നണ സുന്ദരിമാരുടെ
കജ്ജിലും കാലിലും മൊഞ്ചിലു ലങ്കണു മൈലാഞ്ചി

ആഘോഷത്തിലു ആളുകൾ
ചെത്തിലു ഒത്തൊരുമിച്ചേ
സൊറ പത്ത്‌ പറഞ്ഞ്‌ രസിച്ചേ
പല അത്തറു തേച്ച്‌ വിരാജിച്ചേ…

ഏനാന്തത്തിലു കുട്ടികൾ
ചുറ്റിലും കുത്തി മറിഞ്ഞേ
നടു പന്തലിൽ ഓടി നടന്നേ
ചിലർ കോന്തല തൂങ്ങുന്നേ…

|| ANTI-PIRACY WARNING ||
This content is Copyrighted to SAINA STUDIOS LLP. Any unauthorized reproduction, redistribution or re-upload is strictly prohibited. Legal action will be taken against those who violate the copyright of the same
℗ SAINA STUDIOS LLP

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Privacy: https://www.mylesginvestments.com/privacy-policy

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▶ *MAJOR ANNOUNCEMENT* I’m super excited to be launching my MUCH ASKED FOR real estate program (low launch price until end of month) https://calebhammer.com/realestate *OR* to sweeten the deal, my 4-class bundle is now nearly *40% off* !!!!!! Check it out here: https://calebhammer.com/classpack/

▶The absolute WILD way she goes about tracking down every man she has been with *scares* me… watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Go to

▶ Download my budgeting app today: https://calebhammer.com/app – don’t overcomplicate this crap! All you need is an automated and SIMPLE budget. This comes with live CFP sessions, weekly classes, an online community, automatic account connections, my budget-friendly cookbooks, and exclusive discounts on my products Check it out 🙂

https://meetfabric.com/CALEB and apply today, risk-free

Get access to GLP-1s online: http://ro.co/Caleb

▶▶▶ Download my budgeting app today: https://calebhammer.com/app

▶ Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

▶EDUCATION: Bundle is 33% off and all courses are 20% off through March 3rd!

1) Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/

2) The best budgeting program online: https://calebhammer.com/budget

3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing

4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula

5) Get your own free Hammer Financial Score: https://www.calebhammer.com
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▶RESOURCES

1) Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay

2) Click this link https://j.moomoo.com/Caleb to get up to 30 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply
Securities are offered through Moomoo Financial Inc., Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Visit moomoo.com/us/support/topic4_222 for information on the Cash Sweep Program.

3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer

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) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!

7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/

10) Build you own stan store: https://www.stan.store/?ref=CalebHammer
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▶OTHER CHANNELS:

1) Your Week In Money: https://www.youtube.com/@calebhammershow

2) Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips
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Chapters:

00:00 Intro
00:40 Job & Income
07:22 “its not horrible!!”
12:47 girl.
17:47 kind of. kind of. kind of.
24:46 loser level behavior
30:26 why is bro cooking her like that?
38:29 WHAT STRESS?!
45:49 “are you lonely?”
52:46 shes a liar!!
00:58:33:10 bruh
01:06:17 congratulations!!
01:16:31 hilarious.
01:24:00 Budget!!
01:27:40 Hammer Financial Score

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▶EXTRA

1) My website: https://calebhammer.com

2) My socials: https://stan.store/calebhammer

3) 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
Any questions? Email casting@calebhammer.com
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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▶Sponsorship and business inquiries: business@calebhammer.com

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