Most schools don’t teach this—but it’s life-changing. Financial literacy is the foundation of financial freedom. In this quick video, you’ll learn what financial literacy really means: budgeting smarter, saving consistently, investing early, and avoiding debt traps that keep people stuck.

Mastering these basics can change your future. 💡

👉 Should schools teach financial literacy? Let me know in the comments.
🔔 Follow for more simple money tips every week.

#financialliteracy #moneytips #wealthbuilding #budgeting #financialfreedom

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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, MY PRODUCER TELLS ME SHE IS SELLING FEET PICS FOR MONEY— AGGGGGG WTF IS GOING ON?!?!?

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*Check Out My Resources*
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*Chapters*
=============================
00:00 Intro
01:10 She Likes To WHAT?
02:02 Job & Income
05:05 She Has A Plan & It Involves Boobs
13:21 Almost 40 But Hasn’t Locked In Yet (She Has “Spending Amnesia”)
24:09 She Avoids Looking At Her Bank Accounts (But She’ll Manifest Everything To Work Out)
32:29 She Has A Southwest Card But It’s Worse Than We Thought..
36:29 Her Sister Filed For Bankruptcy But She Still Trusted Her With Her Credit Card
40:22 She Forget Her Bills Sometimes (Almost 40 Years Old BTW)
45:42 She Swipes This Credit Card When She Doesn’t’ Want To Spent Money (?)
48:24 Excuses Excuses Excuses
52:11 Aunties Getting Some, Good For Her
55:32 Is Furniture A Necessity?
57:48 Consolidated Date And It’s Still THIS F*cked?
01:01:27 Calebs Bravery Is Unmatched (Based Avatar Take)
01:04:29 Bullsh*t Amazon Spending
01:08:29 Her Kid Has Credit Card Access Too (We Give Him A Call)
01:13:38 When Should Kids Be Given Phones?
01:20:00 It Never Ends
01:23:52 Let’s Build A Budget!
01:26:31 What’s The Plan?
01:28:08 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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Join the ✨MOOCHIS MEMBERSHIP✨ to get access to perks:
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I’m MiniMoochi! A tiny human in sunny Singapore having fun in this YouTube space! I make new videos every Sunday!

I WELCOME A LITTLE HEALTHY STALKING:
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☆ Telegram Channel- https://t.me/moochihehe
For Collabs/Advertisements – bloomr.sg@mediacorp.com.sg

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Connect With Us:

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#ElonMusk #XRP #XMoney

READ BEFORE WATCHING

AGREEMENT REQUIRED: By watching this video, you agree to our Terms of Service (https://www.bullrunners.com/terms-of-service) and Privacy Policy (https://www.bullrunners.com/privacy-policy)

Disagree? Stop watching now.

No Advice, High Risk: This content is for education and entertainment only—not financial, legal, tax, or investment advice. Crypto trading carries extreme risks, including total loss. We’re not licensed advisors or brokers. Consult professionals before acting. You bear all responsibility for your choices.

Liability Release: Bullrunners LLC, and its affiliates, disclaim all liability for any losses, damages, or claims (financial, reputational, or otherwise) from this content. Per our Terms, you indemnify and hold us harmless from legal actions, including attorney fees.

No Guarantees: We don’t promise profits. Past performance isn’t predictive. Affiliate links may earn commissions; do research before buying. We may hold crypto positions mentioned.

Legal Compliance: Not an offer to buy/sell securities under SEC/CFTC rules or any laws. You’re responsible for your jurisdiction’s regulations. Governed by Florida law per our terms; disputes resolved in Miami, Florida courts.

As always, results aren’t typical. So don’t be typical; stay bullish!

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*Sponsors for This Video*
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Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78
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*Education*
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👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
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*Check Out My Resources*
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👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc
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👉 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

=============================
*Chapters*
=============================
00:00 Intro
01:30 Because Of WHAT?
07:20 EERRM She Sounds Kinda Extreme
14:18 Lady, You’re A Boomer lol
18:45 ENTITLED ENTITLED ENTITLED
26:20 Shes Just Saying Sh*t
33:00 That Is NOT Enough For Retirement At Her Age
40:40 WAH WAH WAH
41:30 Oh She Doesn’t Like Immigrants?
50:00 Income!!
53:32 Oh Her Friend Screwed Her Over lol
56:45 Say It In Front Of A Black Guy
59:20 No Accountability lol
01:02:50 Shes Too Old To Be So Dumb.. Wdym FREE MONEY
01:10:30 Chat, Do We Like Her?
01:26:49 Budget!!
01:32:12 Hammer Financial Score
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*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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#investing

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Twitter for more updates on the market!
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Instagram if you are interested in my lifestyle!
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Telegram for business inquires!
↳ @cryptoroveryt

DISCLAIMERS

1. High Risk: Bitcoin trading is very risky, with 80% of traders losing money. It is advised primarily for experienced traders.
2. Disclosure: I own a diverse cryptocurrency portfolio for transparency. The content here is for general information and not financial advice.
3. No Professional Advice: Opinions expressed are personal and not from a licensed financial advisor. Investing in cryptocurrencies involves a high risk of loss.
4. Public Information: The information presented is publicly sourced and reflects personal viewpoints. Viewers should conduct their own research before making decisions.

#Bitcoin #BTC #Cryptocurrency #Altcoins #Blockchain

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Try Rocket Money for free: https://RocketMoney.com/Humphrey #rocketmoney #personalfinance

In this video we go over the top strategies for personal finance by different income levels, around the $40,000 salary level, the $75,000 salary level, and if you make more than $100,000+! I hope you enjoy

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RESOURCES:
💵 Free Templates: https://beacons.ai/humphreytalks/freedownloads
🐪 Hump Days Newsletter ➭ https://humpdays.substack.com
▶️ See What I Invest In ➭ https://whop.com/c/critical-wealth/ytd

💳 My Favorite Credit Cards ➭ https://cardonomics.com/i/humphrey

MY SOCIALS:
Secret Channel — https://youtube.com/@hug
Instagram — https://instagram.com/humphreytalks
Twitter — https://twitter.com/humphreytalks
TikTok — https://tiktok.com/@humphreytalks
Rickie (Editor) ➭ https://instagram.com/coldgamerick

WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current 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!

⏱️ Timestamps:
0:00 – Start Here
0:30 – $40,000 Salary
1:15 – Goal 1
2:13 – Goal 2
3:15 – Rocket Money
4:34 – Goal 3
6:12 – $75,000 Salary
7:01 – Strategy 1
8:30 – Strategy 2
10:05 – Strategy 3
10:40 – Time & Investments
12:03 – $100,000+ Salary
12:23 – Strategy 1
13:45 – Strategy 2
14:52 – Strategy 3

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