Mulai financial planning itu nggak harus ribet.
Di episode ini, kita bahas langkah awal, pentingnya dana darurat, utang sehat, sampai cara seimbangin nabung, investasi, dan proteksi. Wajib dengerin buat kamu yang mau lebih siap atur keuangan!

—–

Alife Partner
Host:
Thea Fitria
https://www.instagram.com/theafit_joso?igsh=MXNxMTd6dWdqaTRkMA==

Speakers:
Astrid Ramadhina
https://www.instagram.com/astridramadhina?igsh=dmNqdmZ1YXh0ZWZs

Jessica Suwarsono
https://www.instagram.com/jessicajsuw?igsh=MmkxZjVhdGJiajI3

—–

Alife Talk memberikan konten informatif dan juga edukatif seputar asuransi yang dikemas dalam bentuk podcast dengan berbagai narasumber yang pastinya bisa menambah insight Alife Friends tentang asuransi.

Don’t forget to like and subscribe to our YouTube channel!

—–

Want to know more about us?

Website:
https://alifebyvision.id/

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https://www.instagram.com/alifebyvision?igsh=cmFtZTZya3EyM3k4

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BLACK MONEY

Written, Composed & Performed by Loka & Sambata
Music Produced by Don Beatz
Mixing & Mastering by XTACY

Executive Producer/Manager: Zain Syed (Xaen) / Obskur Talents
Business Inquiries: obskurtalents@gmail.com

Video by Shlime Studio / Kounter Kulture
Director – Shubham Dolas
DOP – Samarth Shirke
Editor & DI – Vinayak Choppari
BTS & Stills – Shubham Bandhal
Project Manager – Zain Syed (Xaen) & Hitesh Kakkar
Team Kounter Kulture – Yash Pawar / SherKhan
Thumbnail Editor – Official Vijay Digitals

Follow Loka on Instagram: https://instagram.com/loka_music
Follow Sambata on Instagram: https://instagram.com/sambata__0

Follow Don Beats on Instagram: https://instagram.com/prod.the_don
Follow XTACY on Instagram: https://instagram.com/xtacyonthebeat

Follow Shlime Studio on Instagram: https://instagram.com/shlime_studio
Follow Kounter Kulture on Instagram: https://instagram.com/_kounterkulture
Follow Obskur Talents on Instagram: https://instagram.com/obskurtalents

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▶ *GET YOUR OWN HAMMER FINANCIAL SCORE* – Want to see where you stack against our guest? Get your free Hammer Financial Score: https://www.calebhammer.com

▶ *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, *THIS IS INSANNEEE* – they did not want this discussed in the main episode, but were okay with it in the post show… HE IS LITERALLY PAYING WOMEN BEHIND HER BACK TO RATE HIS D*CK…. ugh whattTTTTtttttaTTTT!!!!

Submit proof of purchase at https://hammerelite.com for reimbursement.

▶▶ *MAJOR ANNOUNCEMENT* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* – check it out here and change your life: https://dollarwise.com/dollarwise-central/ plus you get the cookbook signed by me when you join!

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

___________________________________________
▶EDUCATION:

1. 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/

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

3. Get my investing class and I’ll give you a $100 towards investing: 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. Everything you need for buying your first home to buy your first investment property:
https://calebhammer.com/realestate/

6. Get your own free Hammer Financial Score: https://www.calebhammer.com

___________________________________________
▶RESOURCES

1. *I’VE MOVED MY INVESTMENTS FROM THE OTHER APP* 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 3.5% IRA Match, 12-month Wall Street Journal subscription, and 30 days of Webull Premium.

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

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

7. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

___________________________________________
Chapters:

00:00 Intro
07:50 sweet home Alabama..?
20:45 thats amazing! Oh wait.
41:28 she WHAT
52:47 bros ranking himself like the categories of a hurricane
01:04:54 these f*cking people lol
01:22:00 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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One US dollar now buys around a million Iranian rials. The ripple effects are being felt everywhere in Iran: imported goods get pricier by the week, wages can’t keep up, and store shelves thin out. What’s behind the current crisis?

#Iran #Iraneconomy #dwbusiness
For more news go to: http://www.dw.com/en/

Follow DW on social media:
►Instagram: https://www.instagram.com/dwnews
►TikTok: https://www.tiktok.com/@dwnews
►Facebook: https://www.facebook.com/deutschewellenews/
►Twitter: https://twitter.com/dwnews

Für Videos in deutscher Sprache besuchen Sie: https://www.youtube.com/dwdeutsch

Subscribe: https://www.youtube.com/user/deutschewelleenglish?sub_confirmation=1
#iran #currency #rials

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Bitcoin’s next move, AMD, MU, Ethereum, QQQ, and more!
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NOTE: The above are affiliate links and I receive a commission when you use these links to start your accounts. Using any cryptocurrency platform involves risk which may result in a complete loss of funds. Futures trading is a high-risk activity and should only be undertaken by those who understand the risks and are prepared to sustain a complete loss of funds. Thank you for your support.

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#bitcoin #crypto #investing #cryptocurrency #cryptocurrencies #altcoins #cryptobullrun #ethereum

Disclaimer
This content is intended purely for general knowledge and educational discussion. It is not financial advice, a recommendation, or a financial promotion under the laws of any jurisdiction. Nothing shared here should be interpreted as an offer to buy or sell any virtual asset, financial product, or security. The material is not tailored to any specific investor profile and is not intended to guide investment decisions.
All views expressed are personal opinions or general commentary for informational purposes only. Unless explicitly stated, no part of this content has been sponsored, commissioned, or endorsed by any issuer, platform, or third party. Virtual Assets involve significant risk and can be extremely volatile. You could lose some or all of
your investment, and there are no legal or financial protections in place. Some assets may be illiquid, difficult to transfer, or subject to irreversible transactions.
Past results do not predict future performance. This content does not imply that investing is easy, safe, or guaranteed to yield returns. Where partnerships or paid collaborations are involved, those will be clearly marked in accordance with applicable disclosure requirements. Please do your own research and speak with a qualified advisor before making any investment. Only invest what you’re fully prepared to lose.

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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
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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
👉 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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🚨 This might be the biggest institutional XRP confirmation yet. Sandy Kaul — Head of Innovation at Franklin Templeton ($1.68 TRILLION AUM) — just went on record: AI agents are projected to drive $183 TRILLION in transaction volume within the next 5 years, and the traditional rails (Visa, Mastercard, ACH) physically cannot handle it.

Her exact words: “There is NO opportunity whatsoever that we’re going to be able to allow for 183 trillion of machine-to-machine transactions to occur without utilizing these decentralized rails.” AI agents will run 25-30% of ALL U.S. online commercial sales in the next 5 years. Machines need certainty, speed, smart contracts, 24/7 settlement — exactly what XRPL delivers.

And Franklin Templeton is already building on it. They co-led a $5M seed round in t54 Labs (AI agent trust infrastructure on XRPL) alongside Ripple. Virtuals Protocol — 17,000+ AI agents, $39M in revenue — deployed agent commerce on XRPL. The first live deployment, Blockrun AI, settles every AI request on the XRP Ledger.

Meanwhile, XRPL just got its own debit card. Girin Card lets you spend XRP and RLUSD at 130M+ merchants in 150+ countries via Visa, Apple Pay, and Google Pay.
XRP was built for this exact moment. NFA — DYOR 👇

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

🔵 Uphold | Trade, Spend & Earn XRP
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🔗Contact & Collaborations
▸ Collab & Partnerships: partnerships@cryptosensei.net
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #AIAgents #XRPArmy #FranklinTempleton #XRPL #RLUSD #Crypto #CryptoSensei #Cryptonairz
#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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How to make $100 per month in dividends (the math).
Robinhood Free Stock w/ Sign up: https://bit.ly/hf_robinhood
(click “show more” to see ad disclosure)

You’ll need quite a bit of cash invested to make $100 a month in dividends, but I’ll show you how to do the math yourself. This way you’ll know roughly how much cash you’ll need invested today in order to make $100 per month in dividend payments.

—————

Robinhood Free Stock (Up to $200) with Sign Up:
► https://bit.ly/hf_robinhood

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M1 Finance (perfect for IRA’s):
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Instagram:
► https://www.instagram.com/honestfinance/

Advertiser Disclosure: Honest Finance participates in affiliate sales networks and may receive compensation by clicking through the links (at no cost to you). This compensation may impact how and where links appear in this description. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This channel does not include all financial companies or all available financial offers.

—————

Honest Finance covers a broad range of financial topics that’ll give your life and finances more value. Subscribe today for future content and be sure to give this video a like!

Disclaimer: I am not a financial advisor. These videos are for education/entertainment purposes only. Investing of any kind involves risk, so please conduct your own research.

#honestfinance #dividends

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In this video we discuss several reasons why I think $20,000 is a really great benchmark to hit in your financial journey.

Free Financial Mastersheet Download: https://shop.beacons.ai/humphreytalks/52599ebf-bd4a-4d8a-86d1-c07e1c219af9

🌟 Free Templates and Resources: https://beacons.ai/humphreytalks/downloads
👾 Join the free Discord Community: https://discord.gg/xJzsaGaaDE
🐪 Hump Days Newsletter ➭ https://humpdays.substack.com

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!

SOCIALS:
* Second Channel: https://youtube.com/@hug
* Instagram: https://instagram.com/humphreytalks
* Twitter: https://twitter.com/humphreytalks
* TikTok: https://tiktok.com/@humphreytalks

⏱️ Timestamps:
0:00 – Start Here
0:27 – Wealth Begins to Accelerate
2:19 – Mindset Shift Toward Abundance
5:39 – When Poor Everything Costs More
7:27 – The Investor Class
9:39 – Long Term vs Short Term
11:37 – Getting to $20K ASAP

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