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– “I’m about to be laid off. Should I shift to focusing on my own business?”
– “Should I leave my money to a charity when I die?”

From Today’s Episode:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
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💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
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#XRP #Ripple #BUIDL

——————————————————————————

PLEASE NOTE:

I AM NOT A FINANCIAL ADVISOR. THIS VIDEO REFLECTS MY OPINION ONLY. IT IS NOT TO BE CONSIDERED FINANCIAL ADVICE. PLEASE DO YOUR OWN RESEARCH BEFORE INVESTING YOUR MONEY.

——————————————————————————

Resources:

https://www.tradingview.com

https://www.coinmarketcap.com

https://x.com/coinbureau/status/2031272593831927886

https://finance.yahoo.com/news/wall-street-banks-weigh-lawsuit-061823123.html

https://x.com/fairfieldcases/status/2030973646827647018

https://www.finextra.com/pressarticle/109091/amina-becomes-first-regulated-bank-on-21x

https://x.com/markchadwickx/status/2031068859101565118

Payward partners with Nasdaq to develop xStocks-powered gateway connecting permissioned and permissionless tokenized equities markets

https://x.com/ChartNerdTA/status/2031115928943898767

https://www.google.com/search?q=what+is+the+connection+between+blackrock%27s+buidl+and+the+xrpl%3F&oq=what+is+the+connection+between+blackrock%27s+buidl+and+the+xrpl%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQLhhA0gEJMTU1NTFqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8

https://x.com/Michael63140627/status/2031305844579614839

https://coinpedia.org/news/ripple-executive-says-xrp-may-become-the-glue-of-blockchain-finance/

https://x.com/BankXRP/status/2031112579603403238

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NEW: Join us at http://www.icedcoffeehour.club for premium content – Enjoy!

Follow and Subscribe to @CalebHammer Caleb Hammer Here!

Add us on Instagram:
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Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w

For sponsorships or business inquiries reach out to: tmatsradio@gmail.com

For Podcast Inquiries, please DM @icedcoffeehour on Instagram!

Timestamps :

00:00:00 – Intro
00:01:25 – Most upsetting guest
00:02:05 – Valid excuses for failure
00:04:35 – Worst money habits
00:08:22 – Common audit findings
00:08:32 – Why people stay broke
00:09:58 – Discipline vs small purchases
00:10:45 – When small purchases are OK
00:13:29 – Lessons on human nature
00:15:14 – Sponsor – RocketMoney
00:16:53 – Lack of responsibility
00:18:21 – Sympathizing with guests
00:19:24 – Breaking through with guests
00:20:32 – Items keeping people poor
00:22:39 – Accusations of exploitation
00:24:53 – Guest verification process
00:25:34 – Credit card usage mistakes
00:29:09 – Finance improvement tips
00:32:23 – Cash stuffing thoughts
00:32:47 – Are side hustles worth it?
00:34:38 – Tipping without servers
00:36:12 – Sponsor – ExpressPros
00:37:10 – Sponsor – Ramp
00:38:58 – Relating to show guests
00:41:47 – Hardest part of being broke
00:46:24 – Cost of pet insurance
00:49:39 – Your worst financial moment
00:57:54 – Caleb and relationships
01:01:27 – Sponsor – Bilt
01:02:31 – Sponsor – Shopify
01:03:46 – Life goals
01:09:49 – Asking people on dates
01:16:21 – Dating apps
01:18:40 – Finance in relationships
01:19:19 – Who spends more?
01:21:02 – Couple finance advice
01:24:05 – Victim mentality
01:26:45 – Thumbnail complaints
01:29:43 – Caleb’s business growth
01:32:27 – Revenue streams
01:39:29 – Fear of dying poor
01:44:06 – Handling criticism
01:49:08 – Quitting YouTube

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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▶they just fight fight fight, about gambling and gaming- they are at each others THROATS AGHHH watch post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.

___________________________________________
▶OTHER CHANNELS:

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

___________________________________________
Chapters:

00:00 Intro
01:01 Jobs & Income
04:08 shes so open about it..
14:10 they’re not prepared in the slightest
22:22 I too start to “cry” when faced with pushback.
30:36 casomewhatoh?
37:32 so much debt they didnt even send it all
45:15 lol
55:28 nt buddy
01:08:22 bro is not holding back
01:19:05 thats not nice
01:31:29 they owe money to EVERYONE
01:41:47 Budget Time!!
01:45:52 Hammer Financial Score

___________________________________________
▶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
___________________________________________

▶Sponsorship and business inquiries: business@calebhammer.com

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Mone wins & money can buy all the things

Welcome to BillionMind Studio — the home of powerful motivation, billionaire mindset, and next-level self-growth. 💼🚀
Our mission is to inspire you to think bigger, act smarter, and build a life driven by discipline, vision, and success. Here you’ll find motivational speeches, wealth psychology, success habits, luxury lifestyle inspiration, and mindset strategies designed to help you grow mentally and financially.

Whether you’re chasing success, building confidence, or creating your own empire — this channel is made to fuel your journey.

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GTA 5 Solo Money Glitch 1.72 / Car Duplication Glitch in this “GTA 5 Glitches” video

Patreon – https://www.patreon.com/c/obesegiraffe
FULL GLITCH VIDEOS WILL ALWAYS BE ON MY PATREON AND YOU GET EARLY ACCESS!
My Patreon is for the Glitch videos with GTA 5 Gameplay Footage that I can’t have on YouTube, and it’s a way to support me. (All members will have their name at the end of my videos too!) The glitches will always be on YouTube for free but if you want my extra footage showing how to do the glitches in the game, Patreon is where it will be.

If you’re having any problems with this glitch, watch this video – https://youtu.be/SD8-yiw4xvA

This “GTA 5 Money Glitch” video shows you a SOLO GTA 5 car duplication glitch that is working now! This GTA 5 duplication glitch will let you duplicate cars to make money fast. I hope this “GTA 5 How To Get Money Fast” video helps you and have fun with this GTA 5 Online Money Glitch 1.72 – Working On PS5 & Xbox Series X / Xbox Series S versions of GTA Online (For PC Enhanced, I believe you can only duplicate one car at a time and you have to sell it straight away.)

Founder – Obese Giraffe

Please drop a LIKE if you enjoyed and SUBSCRIBE for more GTA 5 Glitches.

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Bitcoin Vegas 2026: https://fxo.co/JAmn

Welcome to the Crypto Lifer Channel!

JOIN THE TRADING GROUP ➡️ https://www.cryptolifer.com

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Social Media Accounts ➡️ https://linktr.ee/realcryptolifer

Trying to make sense of the Charts? Tune in daily for the most accurate Technical Analysis on YouTube. Crypto Lifer covers the global markets, S&P 500, DXY, Bitcoin, ETH & the top alts you need to know about including hidden alt-coin gems! Learn how to use all the top trading tools! Use a superchat to request TA for your hot coin of choice!

💱 Other Exchanges💱
Binance: https://accounts.binance.com/en/register?ref=YNXFFAA1
Binance: (non-US residents): https://www.binance.com/?ref=10983583

🛠Helpful Tools🛠
ALTRADY: https://app.altrady.com/?a=333
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Koinly: https://koinly.io/?via=24D2163A&utm_source=affiliate
Trezor: https://trezor.go2cloud.org/SH2g

🕒Timestamps
0:00
10:22 INTRO
11:06 BOOKMAP
11:10 FEAR & GREED INDEX
11:19 BTC 4H
14:04 BTC 1D
15:33 BTC 1M
18:18 BTC 2W
18:42 BTC 1W
18:50 BTC 5D
19:45 BTC 3D
20:39 BTC 1D
22:35 BTC 8H
22:37 BTC 12H
22:41 BTC 4H
24:38 BTC TRADE
24:56 BTC 4H
26:48 BTC 1H
26:58 BTC 15
27:01 BTC 7
27:42 BTC 1
28:20 BTC 1H
28:28 BTC 7
29:29 BTC 7
30:24 BTC 4H
30:29 TRADING GROUP
31:15 BTC 4H
31:37 BTC 1
32:25 BOOKMAP
32:39 BTC 4H
32:50 BOOKMAP
32:58 BTC 4H
33:05 BTC 1H
33:07 BTC 7
33:59 TSLA
36:27 USOIL
39:29 BTC 10
39:35 BTC 7
40:02 BTC 4H
40:14 BTC 1H
40:18 BTC 15
40:24 BTC 1H
40:33 BTC 7
41:14 COIN MARKET CAP
41:35 DEXE
42:52 COIN MARKET CAP
43:36 RIVER
44:01 BTC 7
44:39 BTC 4H
46:20 BTC 7
48:22 OUTRO

Disclaimer:
Please note that all information and opinions shared on the Crypto Lifer YouTube channel, as well as any affiliated channels or publications, are intended solely for educational, informational, and entertainment purposes. None of the content available on the platform should be viewed as legal, financial, investment, or tax advice, nor should it be viewed as guidance, solicitation, or suggestion regarding investment strategies or purchase/sale/retention of investments.
Any and all information and opinions shared on Crypto Lifer are based purely on personal research and beliefs, and while such opinions are considered reliable, no guarantee or representation is made with respect to their accuracy, completeness, timeliness, or reliability. The information presented on Crypto Lifer is subject to change without notice, and should not be construed as specific advice or guidance to any individual or entity.
It is important to note that cryptocurrency trading and investing entails high risks and may result in significant losses; therefore, it is advisable to conduct one’s own research and seek professional advice from a licensed financial professional. Crypto Lifer does not provide financial advice and is not a licensed financial professional. In addition, past performance does not necessarily predict future results, and should not be taken as a reliable indicator of future performance.
Please be advised that Crypto Lifer may, on occasion, discuss projects, tokens, services, or entities that have compensated the channel in some form, and in such cases, the channel will always disclose that relationship fully. It is important to take this information into account when considering opinions, strategies, or trades discussed on Crypto Lifer.

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The money system was never designed to make you wealthy, it was designed to keep you in debt. Most people spend their entire lives working with money but never understand how fractional reserve banking, fiat currency, and compound interest actually work, because the people who profit most from your ignorance are the ones writing the rules. This video breaks down the real financial system they never taught in school: how banks create money from debt, how taxes and interest keep most people broke, and exactly how wealthy people use the same tools to build assets while everyone else pays interest forever.

📺 WATCH THE FULL PLAYLIST HERE: https://www.youtube.com/playlist?list=PLv2ZziaABbbsTAoF_xbMUjIGNz81Ejbdn

📚 WHAT YOU’LL LEARN:
✅ How the modern financial system actually operates
✅ The hidden tactics banks use to control money flow
✅ Why debt and taxes keep most people from building wealth
✅ Banking concepts that schools never teach
✅ How to improve your financial knowledge and money management
✅ The real path to financial freedom and independence

⏰ Timestamps:
0:00 – Introduction to the Money System
1:30 – How Banks Really Work
3:45 – The Debt Trap Explained
5:20 – Tax Systems and Wealth
7:15 – Breaking Free from the System

📱 FOLLOW US:
Subscribe: https://www.youtube.com/@Sketchinance
Business Inquiries: sketchinanceinquiries@gmail.com

💰🧠 Subscribe to Sketchinance to learn how to build real wealth through investing, passive income, and understanding the Hidden Money Systems that keep most people broke! 💰📈

⚠️ DISCLAIMER:
The videos are for educational and informational purposes only. Not financial advice.

#personalfinance #howmoneyworks #fractionalreservebanking #financialeducation #sketchinance

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