► Download Your FREE PDF Summary Guide: https://financialtortoise.kit.com/7financialmilestonesby45
► Financial Tortoise Community — Join the Waitlist!: https://financialtortoise.com/community

Timecodes:

0:00 – #1 – $0 Debt Except The Mortgage
1:38 – #2 – Net Worth: PAW Target
5:50 – #3 – Clear Investment Strategy
7:55 – #4 – 12 Months Emergency Fund
10:18 – #5 – 800+ Credit Score
11:57 – #6 – Essential Insurance Coverage
13:56 – #7 – Complete Estate Plan

————

FAVORITE TOOLS:
► SoFi – https://sofi.com/tae
► Aura – https://aura.com/financialtortoise
► Shortform – https://shortform.com/taekim
► Squarespace – https://squarespace.syuh.net/financialtortoise
► Empower – https://empower.sjv.io/financialtortoise
► Monarch – https://financialtortoise.com/monarch

LINKS:
► Join the Newsletter: https://financialtortoise.com/newsletter
► Favorite Books: https://financialtortoise.com/bestbooks

DISCLAIMER: I am not a financial adviser. These videos are for educational and entertainment purposes only. I am merely sharing my personal opinion. Please seek professional help when needed.

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💰 Change your life like 10’s of thousands have with the budgeting app that’ll finally get you on the right track- download and take the free trial: https://bit.ly/46fiDYP

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=============================
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=============================
*Chapters*
=============================
00:00 Intro
01:50 Caleb Springer, Baby!!
07:00 Chat, Don’t Do Dr*gs (And Wear Condoms)
10:15 She’s F*cking Vile… Lets Whiteboard It
16:50 HE FOUND OUT WITH A BABY MONITOR??? LOL
21:35 I Would Call CPS Too!!!
25:50 She’s Collecting The Infinity Stones Of Trashy..
31:37 Let’s Call The CURRENT Boyfriend (He’s A F*cking Loser)
34:30 I Too Rely On Tax Refunds To Save My Life
38:30 What A Little Soy Boy
45:30 She Did NOT Just Do That In The Studio
54:40 LATE ON THE MORTGAGE???!!!
57:00 How Lazy Can You Be???
01:04:00 SINCE SEPTEMBER
01:11:00 Thank God She Used To Be Good With Them!!
01:13:45 Jumping Spiders??? Wtf
01:15:28 She Owes Money To EVERYONE
01:22:30 I Don’t Think Caleb Likes Her
=============================
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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🧠 Join Our Private Intelligence Network Here: https://join.altcoinpro.com/7cb137f9

🚀 Attend the Altcoin Pro Summit LIVE – October 2-4! Get your tickets now before they’re gone: https://join.altcoinpro.com/8d836b32

Connect With Us:

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#Crypto #XRP #Bitcoin

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.

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

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Go to https://ground.news/econo for a better way to stay informed. Subscribe for 40% off unlimited access to world-wide coverage through our link.

OpenAI’s rapid growth has created financial and infrastructure demands.

Despite massive funding, the company remains unprofitable and increasingly dependent on investors, Nvidia-backed financing, and potentially government support.

Its planned IPO could expose serious financial risks, while OpenAI’s success has become deeply connected to the U.S. economy and AI supply chain.

CHAPTERS:
0:18 OpenAI
0:47 Artificial Intelligence
1:26 ChatGPT
2:05 AI Infrastructure
2:49 AI Data Centers
3:31 AI Jobs
4:12 Technology Companies
5:03 OpenAI Funding
5:46 Nvidia
6:28 OpenAI Financial Problems
7:15 OpenAI IPO
8:02 Anthropic
8:44 Anthropic IPO
9:37 AI Supply Chain
10:21 Nvidia Financing
11:06 Government Backstop
11:52 Federal Loans
12:39 AI Bubble
13:27 U.S. Economy
14:18 AI Investment

Conect With Economy Media Everywhere
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▶ CRAZIEST POST SHOW- *SHE HAS A SECRET DEBT BEHIND HIS BACK* This is insane. I fully expose her to him, and the conversation goes off the rails… things get exposed that I couldn’t even imagine… wacth 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.

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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

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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
05:46 lol
16:57 lol again
34:43 whats her f*cking problem
48:17 thats a first
01:06:48 the concept of friendship is foreign to the caleb
01:22:53 but wait! theres more

___________________________________________
▶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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In this video, Graham Stephan and I are rating 19 controversial money topics. The topics are split into four categories: Ways to grow your net worth, financial social norms, investing beliefs, and spending & lifestyle choices. Enjoy!

🌟 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/@HumphreyShow
* Instagram: https://instagram.com/humphreytalks
* Twitter: https://twitter.com/humphreytalks
* TikTok: https://tiktok.com/@humphreytalks
* Spotify: https://open.spotify.com/show/12NK9gawpXlJ1nbHD5R5Rx?si=c853f06d046d4a9e

⏱️ Timestamps:
0:00 – Start Here
0:43 – Ways To Grow Net Worth
10:23 – Financial Social Norms
16:41 – Investing Beliefs
20:19 – Spending & Lifestyle

source

What is the value/worth of each US coin? If your kids or students need a refresher, here’s a quick short to help them remember! Pennies are worth 1 cent, and 100 pennies equals a dollar. Nickels are worth 5 cents, and 20 nickels equals a dollar. Dimes are worth 10 cents, and you need 10 dimes to make a dollar. Quarters are 25 cents, meaning you need 4 to make a dollar. You need 2 half-dollar coins to make a dollar because they’re worth 50 cents. And finally, obviously, the dollar coin is a dollar, so you only need one.

For the full video, click here: https://youtu.be/13FUtlLK6p8

We hope you and your student(s) enjoyed learning about coins! If you want even more information, head over to our website and download one of our many free lesson plans, full of activities, worksheets, and more!

https://learnbright.org/lessons/math/money/

Thank you for watching and learning with us! We’re constantly releasing new content and videos, so click that “Subscribe” button and you’ll get notified.

Find and Follow Us Online:
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*Teachers and Parents! Did you know? In addition to these great videos, we have also created a library of high-quality and engaging lessons for your elementary aged student(s). Visit us and sign up for a free account, and you’ll instantly have access to thousands of lesson plans, learning materials, teaching instructions, activities, and assignments that your kids will really enjoy! We hope to see you soon!

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*THIS IS THE CRAZIEST POST SHOW WE HAVE EVER FILMED* we finally get him to tell his side by kicking her out, and the sh*t we find out that goes on at home between them is some of the most INSANE abusive stuff I have ever seen. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB – https://hamr.link/calebdrank

=============================
*Caleb Hammer Financial Resources*
=============================
👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
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👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore

=============================
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
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👉 Get $20 from Acorns for free: ➡ https://acorns.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

=============================
*Chapters*
=============================
00:00 Intro
02:59 she applied.. with another man???
04:04 shes his BUSINESS PARTNER?
05:28 AND THEY HAVE DV CHARGES WTF
10:58 4 kids already and she wants more..
14:28 bro needs to leave, SHE CONTROLS HIS MONEY TOO
17:53 she tricked him into grand theft??
25:18 everyone send this to the IRS
27:53 sounds like shes digging for some gold…
34:43 why is she stopping him from providing child support lool
42:53 aaaand confirmed gold digger.
56:48 chat, do we like her?
01:02:02 aaaand she tried kidnapping a child
01:08:59 not the grandma too ;–;
01:13:46 PAYDAY LOAN FOR THE TRUCK??
01:28:18 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*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

source

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📢I do not own the music, pictures & background used. All credits go to the right owner(s). No copyright infringement intended.

📢If you are the copyright owner and wish to delete the video contact me at gamaboylyrics@gmail.com and i will delete immediately.

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