In this episode, you’ll learn the best financial advice you’ll ever hear.

It’s your guide to taking control of your money and learning the rules of how to make it, save it, and spend it better.

Maybe you’re trying to pay down debt.

Maybe you’re wondering how you’ll ever afford a home.

Maybe you’re doing “okay,” but you don’t feel confident about the future, and you don’t know the best place to invest your money.

Or maybe you want to know what really works to save money, make more money, invest money, and how to stop feeling like you’re behind.

This episode will show you exactly what to do.

Today, Mel is joined by David Bach. David is one of the most trusted voices in personal finance for a reason: He teaches the rules of money in a way that makes you feel calm, capable, and in control.

He’s a 10-time New York Times bestselling author behind The Automatic Millionaire, and he’s here to give you the simple money habits and tools that you can apply to your life today.

You’ll learn:
-The rules of money that determine whether you build wealth or stay stuck (no matter what you earn)
-”The 2 escalators to wealth” and how you can get on them
-The money mistake that can wreck your future even if you’ve “done everything right”
-What every couple needs to know about money before it’s too late
-The exact stocks to invest in over the long term
-The exact blueprint of what you should do with your 401k
-The $27.40/day formula that turns into $4.4 million
-Why you can start feeling better about your life before you’re debt-free
-Specific advice for women, including what every widow needs to know
-The easiest ways to take control of your finances with the greatest payoff

As David puts it, either you have a plan for your money, or someone else does.

Your plan starts here.

For more resources related to today’s episode, click here for the podcast episode page: https://www.melrobbins.com/episode/episode-362

Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast

I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode.

In this episode:
00:00 Meet the Guest
07:57 What Does Automatic Economy Mean?
09:37 Financial Planning Basics
15:35 What is a 401(k)?
26:38  How to Save for Retirement Without a 401(k)
33:33 Should You Invest in Individual Stocks?
34:10 How to Start Investing
35:56 Index Funds 101: Best Simple Investing Strategy
37:11 Why “High-Risk Investing” for Young People Backfires
38:21 Compound Interest Explained
41:09 How to Save More Money
47:07 Credit Card Debt Payoff Plan
59:03 Estate Planning Checklist: Will, Passwords, Accounts

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Follow Mel:
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Website: http://melrobbins.com​
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A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want.
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Subscribe to Mel’s channel here: https://www.youtube.com/melrobbins​?sub_confirmation=1
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Listen to The Mel Robbins Podcast 🎧 New episodes drop every Monday & Thursday!
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Looking for Mel’s books on Amazon? Find them here:

The Let Them Theory: https://amzn.to/3IQ21Oe
The Let Them Theory Audiobook: https://amzn.to/413SObp
The High 5 Habit: https://amzn.to/3fMvfPQ
The 5 Second Rule: https://amzn.to/4l54fah

#money #finance #financialfreedom

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Want to see what could push XRP over the edge? Stay informed—subscribe now.

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Chelsea shares her candid take on Emma Grede’s viral comments from her memoir press tour

FINANCIAL PRODUCTS WE RECOMMEND TO GET YOUR $$$ TOGETHER:
-Financial Advisory: Advisor.com: https://bit.ly/4dXOaTI
-Budgeting app: Monarch: https://bit.ly/cfytvid41926
-Investing: Betterment: https://bit.ly/41L89hb

SOURCES CHELSEA MENTIONS IN THE VIDEO:
Chelsea’s Instagram video on this topic: https://www.instagram.com/reel/DXR9SCnkpkL/?igsh=NnZ5NXh3bDkyYXV2

Emma Grede’s interview with Elle: https://www.elle.com/uk/life-and-culture/culture/a70975717/emma-grede-new-book/

Emma Grede’s new book: Start With Yourself: https://www.simonandschuster.com/books/Start-With-Yourself/Emma-Grede/9781668085486

VIDEO: Revisiting Kelly Cutrone’s Insane Memoir 15 Years Later: https://youtu.be/_rk5fCXfJD0?si=IDXv44nOl0t1N3s-

VIDEO: How Lean In Gaslit A Generation Of Women: https://youtu.be/52UQGPN_x6M?si=IzeJfSVxsLTSwAl3

VIDEO: Lean In & The Curse Of “Having It All” https://youtu.be/bUnwtZD9BHY?si=SQ9qv1kIwBjvGo5q

VIDEO: How Car Culture Stole America’s Freedom: https://youtu.be/DskqYH26mvU?si=l0GtnUewfYT_2AZe

VIDEO: The Dangerous Myth Of The Girl Boss: https://youtu.be/NBRG66rJHVc?si=PN80E1dWEpQLnxZY

VIDEO: Work Sucks, Put On An Apron: https://youtu.be/FDYeWvFaD-g?si=4bXsuOHCQWyIY0ct

Chelsea’s interview with Kelly Cutrone from The Financial Confessions: https://youtu.be/bX0wScQbNKw?si=u0JkXyvMy90Uoe_K

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The United Arab Emirates has quietly warned the United States about rising financial risks as the Iran war begins to hit its economy. Behind closed doors in Washington, UAE officials explored emergency financial support options — including a potential currency swap line — while signaling that dollar shortages could force a shift toward China’s yuan.
This is not just a regional story. It’s about global oil markets, trade routes, financial stability, and the future of the dollar system.
In this deep dive, we break down:
How the Iran war is impacting the UAE economy

Why oil supply disruptions through the Strait of Hormuz matter

The real risk behind a potential dollar shortage

Why the UAE is considering alternative currencies like the yuan

What this means for global markets, trade, and the financial system

Is the UAE heading toward a financial crisis — or is this a stress test of one of the world’s most resilient economies?
📊 Topics covered: oil markets, global economy, trade routes, currency risk, dollar vs yuan, geopolitics, Middle East conflict
#UAEfinancialcrisis #OilPrices #Geopolitics #Hormuz #GlobalEconomy #Iran #Trump #EnergyCrisis #OilMarket #ShippingCrisis #GVSDeepDive
Don’t forget to join our What’s App Channel:
https://whatsapp.com/channel/0029Vb810ODHLHQgRY02af0t
📌 Watch next:
Also check out background explainers:
http://youtube.com/post/UgkxLuHV37dfoY4_OfI7vP80UeDbA7GOhoGN?si=H4hVtwaL86Wn3BXh
http://youtube.com/post/Ugkx0eTjZnk21hI8k8M4EV6N-cmJniyVRKeb?si=2sNLI2AqEtlcQ6co
http://youtube.com/post/UgkxW15AuODS8Rx4mpUtL3W0VzVziGhjs7yk?si=DopvOqCo64ewaPMq

Do give your comments below. Subscribe and Share our video.
Join our WhatsApp Channel for drop off latest videos when they come!
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Najma tweets @MinhasNajma

Najma Minhas is Managing Editor, Global Village Space. She has worked with National Economic Research Associates (NERA) in New York, Lehman Brothers in London and Standard Chartered Bank in Pakistan. Before launching GVS, she worked as a consultant with World Bank, and USAID. Najma studied Economics at London School of Economics and International Relations at Columbia University, NewYork. She tweets at @MinhasNajma.

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#shorts

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

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Nick Valdez looks at a viral post claiming certain altcoins as “dead”
ALGO, TIA, MONAD, SEI and more…
What are these coins?
Are they dead?
Forget the noise, what do the charts say?

💥 Join Our Trading Group
Discord – https://discord.gg/pJYe4Z9FWa
Zoomex – https://partner.zoomex.com/aff/ZX904299
Toobit – https://www.toobit.com/t/DiscoverCrypto
Blofin – https://partner.blofin.com/d/DiscoverCrypto
BTC Conference – https://fxo.co/JAnx
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Bitcoin Ticker Box – https://tickerbox.eu?sca_ref=8841235.jarE9W1myNW
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➡️ Follow on X – https://x.com/DiscoverCrypto_
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All of our videos are strictly personal opinions. Please make sure to do your own research. Never take one person’s opinion for financial guidance. There are multiple strategies and not all strategies fit all people. Our videos ARE NOT financial advice. Our videos are sponsored & include affiliate content. Digital Assets are highly volatile and carry a considerable amount of risk. Only use exchanges for trading digital assets. We never keep our entire portfolio on an exchange.

#bitcoin #crypto

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▶ wowwww wild post show. I call her BF, and he has noooo idea how bad this is. He’s questioning the whole relationship now that she’s exposed… watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

▶▶ *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/

▶▶▶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

Try Rocket Money for free: https://RocketMoney.com/caleb

___________________________________________
▶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 $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

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
11:06 excuses excuses excuses
24:39 the math is not mathing
33:10 thats f*cking wild lol
47:00 what a ridiculous number
01:04:30 taco bell isnt even good…
01:15:00 Budget!!

___________________________________________
▶More Content

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

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: business@calebhammer.com

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🍿 WTFFFFFFF SHE IS MESSAGING OTHER GUYS BEHIND HIS BACK and sending N*DES —- but even worse… I read the text messages between these two, and he’s evn more evil tgan he came accross in the main episode… watch the post show 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

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Click this link https://boot.dev/?promo=CALEBHAMMER and use my code CALEBHAMMER to get 25% off your first payment for boot.dev

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Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize!
#ad @hicapitalize
___________________________________________
▶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 $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

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
06:28 what this dudes problem?
17:44 convenient way to describe the situation…
35:31 dont let the tears fool you.
52:10 why is he laughing?
01:09:15 caleb chiiiiilll
01:23:13 that wording is kinda crazy
01:40:54 what the f*ck
01:55:08 hilarious.
02:05:39 he’s just awful

___________________________________________
▶More Content 🍿🎥📺🎞️🎬

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

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: business@calebhammer.com

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Eh why not post it here too

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

*I MADE HER CALL AND CONFRONT THE LADY WHO KICKED HER OUT OF HER COMMUNITY* It’s absolutely insane, you need to see this- watch here: ➡️ https://bit.ly/chpostshow
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*Check Out My Resources*
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👉 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
01:25 Job & Income
02:00 Lady Get Over Him!!
06:14 Caleb Got Flashed lol
09:00 She Weeeeirrd
15:40 The WHIPLASH Is Wild
34:30 Back To Business.. WHEW
38:50 Moving Is NOT That Expensive
47:10 That’s F*cking Brutal
57:18 Why Do They Always Read Sm*t
01:05:00 Caleb’s Blood Pressure lol
01:20:10 Budget!!
01:27:40 Hammer Financial Score
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

=============================
*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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