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I’m Losing Brain Cells | Financial Audit

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I'm Losing Brain Cells | Financial Audit



▶The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

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1) Checking & Savings: Fee-free overdraft up to $200*, when you set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-spotme

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▶Our other channels:

1) Vlogs: https://www.youtube.com/@CalebHammerLive/videos

2) Weekend Workplace Podcast: https://www.youtube.com/@WeekendWorkplace/videos

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3) Money Makes Cents: https://www.youtube.com/@dollarwiseeducation/videos
_______________________

▶Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Get your own Hammer Financial Score: https://www.calebhammer.com

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▶My socials: https://linktr.ee/calebhammer

▶️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
_______________________

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Chapters:

00:00 Job and income
05:30 So they kicked you out…
11:53 You can’t do math?!
16:39 Take care of your stuff
19:00 This is asinine
25:23 I’m losing my mind
29:48 Dirty Money
35:42 They ARE the welfare state
40:30 You’re financing debt
48:40 Listen to your mom!
50:29 Moomoo
58:25 All I’m saying is…
1:02:15 I’m done with this conversation

_______________________

▶Sponsorship and business inquiries: business@calebhammer.com
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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▶*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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

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Money Speaks #motivation #mindset #selfimprovement

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Money Speaks #motivation #mindset #selfimprovement



Money Speaks
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Crypto Traders, Prepare For A Worse Bitcoin Move!

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Crypto Traders, Prepare For A Worse Bitcoin Move!



Bitcoin took a serious hit and this move might not be over yet. In this video, Sheldon breaks down the latest Bitcoin price action and the key levels to watch. He will also share what level he thinks is next. Here’s what traders need to know to prepare for the next Bitcoin move.

📺 𝗦𝗛𝗘𝗟𝗗𝗢𝗡 𝗧𝗛𝗘 𝗦𝗡𝗜𝗣𝗘𝗥 – 𝗘𝘅𝗰𝗹𝘂𝘀𝗶𝘃𝗲 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗬𝗼𝘂𝗧𝘂𝗯𝗲 𝗖𝗵𝗮𝗻𝗻𝗲𝗹!
👉 https://www.youtube.com/@OfficialSniperTrading

🎯 𝗦𝗡𝗜𝗣𝗘𝗥 𝗖𝗟𝗨𝗕 – 𝗧𝗿𝗮𝗱𝗲 𝗦𝗺𝗮𝗿𝘁𝗲𝗿! 𝗪𝗶𝗻 𝘄𝗶𝘁𝗵 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝗻𝗼𝘁 𝗟𝘂𝗰𝗸!
👉 𝗕𝗲𝗰𝗼𝗺𝗲 𝗮 𝗦𝗻𝗶𝗽𝗲𝗿: https://sniperclub.net/JoinSniperTradingYT

🚀 𝗨𝗟𝗧𝗥𝗔 𝗧𝗥𝗔𝗗𝗘𝗥 – 𝗧𝗵𝗲 𝗠𝗼𝘀𝘁 𝗣𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗧𝗿𝗮𝗱𝗲 𝗧𝗿𝗮𝗰𝗸𝗲𝗿!
👉 https://bit.ly/ultra-trader-sheldon
________________________

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💰 𝗣𝗜𝗢𝗡𝗘𝗫 – 𝗜𝗻𝘃𝗲𝘀𝘁 𝟭𝟬𝟬 𝗨𝗦𝗗𝗧 𝗙𝗼𝗿 𝗮 𝗖𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗪𝗶𝗻 $𝟭𝟬,𝟬𝟬𝟬 𝗶𝗻 𝗚𝗼𝗹𝗱!!
⚱️ Trade Metals like Gold, Silver and Platinum with your crypto assets!
👉 𝗨𝗻𝗹𝗼𝗰𝗸 𝗗𝗮𝗶𝗹𝘆 𝗗𝗿𝗮𝘄𝘀! 𝗧𝗿𝗮𝗱𝗲 𝗡𝗼𝘄: https://bit.ly/Pionex-Sheldon-Gold

⬛️ 𝗚𝗥𝗩𝗧 – 𝗧𝗿𝗮𝗱𝗲 𝘄𝗶𝘁𝗵 𝗦𝗽𝗲𝗲𝗱 𝗮𝗻𝗱 𝗣𝗿𝗶𝘃𝗮𝗰𝘆!
☑️ Earn 10% interest on your total trading account balance!
👉 𝗝𝗼𝗶𝗻 𝗻𝗼𝘄: https://bit.ly/grvt-sheldon

🟪 𝗕𝗜𝗧𝗙𝗨𝗡𝗗𝗘𝗗 – 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗔𝗻𝘆 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 𝘁𝗼 𝗨𝗻𝗹𝗼𝗰𝗸 𝗔𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗕𝗶𝗴𝗴𝗲𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗙𝘂𝗻𝗱𝘀!
👉 𝗦𝗶𝗴𝗻 𝘂𝗽: https://bit.ly/bitfunded_register

🟫 𝗘𝗗𝗚𝗘 𝗫 – 𝗨𝗻𝗹𝗼𝗰𝗸 𝗬𝗼𝘂𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗘𝗱𝗴𝗲! 𝗧𝗿𝗮𝗱𝗲 𝗮𝗻𝗱 𝗘𝗮𝗿𝗻 𝗣𝗼𝗶𝗻𝘁𝘀!
👉 https://bit.ly/edgex-sheldon
________________________

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𝗙𝗢𝗟𝗟𝗢𝗪 𝗦𝗛𝗘𝗟𝗗𝗢𝗡!
⬇⬇⬇⬇⬇⬇

👉 𝗫: https://x.com/Sheldon_Sniper
👉 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: https://bit.ly/sniper-insta
👉 𝗔𝗹𝗹 𝗦𝗼𝗰𝗶𝗮𝗹𝘀: https://linktr.ee/snipersheldon

🏆 𝗦𝗡𝗜𝗣𝗘𝗥 𝗚𝗜𝗩𝗘𝗔𝗪𝗔𝗬𝗦!!
👉 Email: sniper.giveaways@cryptobanter.com (mailto:sniper.giveaways@cryptobanter.com)
________________________

👁️‍🗨️ 𝗖𝗿𝘆𝗽𝘁𝗼 𝗕𝗮𝗻𝘁𝗲𝗿 𝗮𝗯𝗶𝗱𝗲 𝗯𝘆 𝘁𝗵𝗲 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝗰𝗼𝗱𝗲 𝗼𝗳 𝗰𝗼𝗻𝗱𝘂𝗰𝘁:
👉 https://www.cryptobanter.com/our-ethics/

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We take our code of ethics very seriously and have engaged @zachxbt (https://twitter.com/zachxbt) to monitor our progress. If you feel we’re not living up to it and have hard evidence please mail ZachXBT directly at reportcb@protonmail.com (mailto:reportcb@protonmail.com)

⚠️ 𝗕𝗘𝗪𝗔𝗥𝗘 𝗢𝗙 𝗦𝗖𝗔𝗠𝗠𝗘𝗥𝗦 𝗜𝗡 𝗢𝗨𝗥 𝗖𝗢𝗠𝗠𝗘𝗡𝗧𝗦 𝗔𝗡𝗗 𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦
________________________

Crypto Banter is a live-streaming channel that brings you the hottest crypto news, market updates, and fundamentals of digital assets. Join the fastest-growing crypto trading community to get notified on the most profitable trades and the latest crypto market updates & news!!

📝 𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿:
Crypto Banter is a social podcast for entertainment purposes only.
All opinions expressed by the hosts, guests, and callers should not be construed as financial advice. Views expressed by guests and hosts do not reflect the views of the station. Listeners are encouraged to do their own research.

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#TradingBitcoin #TradingAltcoins #CryptoTrading #Sheldon

⏱ 𝗧𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀:
00:00 Crypto Dump NOT Over
02:01 Crypto Mindset This Cycle
08:37 Bitcoin Analysis Today – BTC Levels to Watch
10:32 Total Crypto Market Cap Analysis Today – TOTAL3
11:31 Altcoin Long Term Buy Entries – SUI, ETH, SOL, AVAX, ADA, DOGE, RNDR
27:38 Will Bitcoin Recover? – Short Term BTC & Altcoin Analysis

🎬 𝗪𝗮𝘁𝗰𝗵 𝗦𝗵𝗲𝗹𝗱𝗼𝗻’𝘀 𝗙𝗥𝗘𝗘 𝗖𝗿𝘆𝗽𝘁𝗼 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗟𝗲𝘀𝘀𝗼𝗻𝘀:


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IMP : BITCOIN BOTTOM IS CLOSE ? || BITGET PAUSE NEW SIGN UPS

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IMP : BITCOIN BOTTOM IS CLOSE ? || BITGET PAUSE NEW SIGN UPS



Download Gosats & Earn Bitcoin Sats as cash back : https://gosats.page.link/zbE6

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Exchanges that we use : Sign up using the link & get bonus plus discounts

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#bitcoin #BitcoinAnalysis #BitcoinNews

DISCLAIMER

The Information provided on, from or through this channel is general in nature and is solely for educational purposes. The generic market recommendations provided by us are based solely on our personal judgment and should be considered as such. You’re advised to enter into any transactions relying on your OWN judgment. Any market recommendations provided by us are generic only and may or may not be consistent with the market positions or intentions of our channel and/or our affiliates. Any opinions, news, research, analyses, prices, or other information contained on this channel are provided as general market commentary, and do not constitute an investment advice. All information contained herein should be independently verified and confirmed. We do not accept any liability for any loss or damage whatsoever caused in reliance upon such information or services. Please be aware of the risks involved with any trading done in any financial market. Do not trade with money that you cannot afford to lose.

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Financial Literacy For Beginners

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Financial Literacy For Beginners



🌟 Ready to get smart with your money?

Starting out might seem tricky, but it’s really about nailing the basics: track what you earn and spend, figure out what’s a need and what’s just a nice-to-have, save for those just-in-case moments, and maybe even start growing your money with some simple investments.

Lunch Money makes all this super straightforward, helping you keep everything organized.

Remember, it’s all about taking small steps. No need to be perfect—just make a little progress each day, and you’ll see big changes before you know it!

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Try Lunch Money for FREE for 30 days at lunchmoney.app – no credit card needed!

#FinancialLiteracy #BudgetingBasics #MoneyManagement #LunchMoneyApp #PersonalFinance #FinancialEducation #Budget #Budgeting #BudgetLife

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It’s Happening Again…

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It's Happening Again...



🚨 FREE NEWSLETTER: https://www.learningcrypto.com/
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00:00 – BTC Bull Market
01:56 – Why We Hold
03:10 – Weak US Dollar

#Btc #Bitcoin #Crypto #cryptonews #cryptocurrency #investing

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Bitcoin: Macro Indicator Warning of a Deeper Collapse

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Bitcoin: Macro Indicator Warning of a Deeper Collapse



🔴 *TIA PRO LIFETIME DISCOUNT* – NAVIGATE YOUR PORTFOLIO THROUGH THE PEAK AND COLLAPSE → https://tiainvestor.com/subscribe/
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🔴 *NEW WEEKLY REPORTS, NEW SUBSCRIBERS GET ACCESS HERE* → https://tiainvestor.com/subscribe/

🔥 NEW THE INVESTOR ACCELERATOR YOUTUBE CHANNEL https://www.youtube.com/@theinvestoraccelerator/videos
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🔴 BEWARE OF IMPERSONATORS (THEY ARE NOT ME).
I DO NOT HAVE A WHATSAPP OR TELEGRAM GROUP.
ONLY USE OFFICIAL LINKS IN VIDEO DESCRIPTION.

🔥Beware of scammers, this is my only REAL Instagram → https://www.instagram.com/mrpizzino/
→ YouTube https://bit.ly/JasonPizzinoYouTube
→ Twitter/X / jasonpizzino https://x.com/jasonpizzino
→ More Crypto Trading on Michael’s YouTube https://bit.ly/MichaelPizzino

ALSO IN THIS VIDEO:
SPX, SP500, NASDAQ, NDX, GOLD, USD, DXY, OIL, TRUMP, USDT, ALTCOINS, MEME COINS, AI, US INTEREST RATES DECISION, ETFS, REAL ESTATE CYCLE, 18-YEAR REAL ESTATE AND ECONOMIC CYCLE.

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*I reserve my right to adjust my outlook as more information and data come through. #crypto #bitcoin #cryptonews
Like and Share if you want to inform your friends and family.

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John Hope Bryant On Financial Literacy, Race, & Economic Power | NXT Chapter with T.D. Jakes

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John Hope Bryant On Financial Literacy, Race, & Economic Power | NXT Chapter with T.D. Jakes



In this powerful episode of NXT Chapter, Bishop T.D. Jakes sits down with John Hope Bryant, founder and CEO of Operation HOPE, for a deep and unfiltered conversation on financial literacy, economic dignity, and the true roots of division in America and across the world.

John Hope Bryant breaks down why race is not a biological construct but an economic one, tracing how class systems, capitalism, and access to financial education have shaped inequality for centuries. From slavery and the invention of race to modern credit systems, wealth gaps, and financial exclusion, this conversation challenges long-held beliefs and reframes how we understand power, money, and unity.

Together, T.D. Jakes and John Hope Bryant explore mindset, self-esteem, and why financial literacy is the civil rights issue of this generation. They discuss homelessness, building wealth versus chasing money, the importance of ownership, and how creativity, culture, and purpose play a role in economic freedom. The episode also dives into faith, leadership, unity, and why surrounding yourself with builders—not broken mindsets—is essential to growth.

This episode is a masterclass in truth, history, economics, and hope—designed to shift how you think about money, identity, and your role in building a better future.

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FULL EPISODE: https://youtu.be/TAFK2v3FfpE

#tdjakes #faith #motivation

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Ray Dalio: People Have NO IDEA What’s Coming! | XRP Holders Must Listen

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Ray Dalio: People Have NO IDEA What's Coming! | XRP Holders Must Listen



Ray Dalio: People Have NO IDEA What’s Coming! | XRP Holders Must Listen

XRP News Today, Crypto News, Bitcoin News, Altcoin News, Ripple XRP Price, Ripple XRP Chart, Ripple SEC News

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Keywords: crypto, cryptocurrency, bitcoin, ethereum, blockchain, crypto trading, altcoins, btc, eth, cryptocurrency news, cryptocurrency trading, crypto news, bitcoin news, ethereum news, blockchain technology, crypto investing, bitcoin price, ethereum price, crypto analysis, crypto market, bitcoin trading, crypto tips, bitcoin investing, ethereum investing, crypto wallet, decentralized finance, defi, nft, non-fungible tokens, crypto mining, blockchain explained, crypto tutorial, bitcoin explained, ethereum explained, how to buy crypto, crypto exchange, coinbase, binance, crypto for beginners, crypto 2024, bitcoin prediction, crypto future, digital currency, crypto trends, blockchain future, smart contracts, crypto regulation, crypto updates, hodl, bitcoin halving, crypto bull run, crypto bear market, ico, initial coin offering, blockchain startups, crypto security, crypto scams, crypto hacks, crypto taxes, bitcoin wallet, ethereum wallet, crypto portfolio, crypto trading strategies, crypto market analysis, crypto investment strategy, blockchain applications, crypto finance, web3, metaverse, decentralized apps, dapps

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1. Channel Ownership & Purpose
This channel is operated by a legally registered business. All content shared is for informational and entertainment purposes only and reflects the views of the channel as an organization.

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I am not a licensed financial advisor, attorney, or tax professional. Nothing presented here should be interpreted as financial, investment, legal, or tax advice. Always seek advice from qualified professionals before making any financial decisions.

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Complete loss of invested funds

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There is no guarantee of investor protection or legal recourse. Participation is entirely at your own risk.

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The information provided may become outdated over time. I reserve the right to modify, update, or remove any content without prior notice.

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This content is not intended as financial promotion or investment advice under MiCA or Canadian law.

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PE Ratio Explained Simply | Finance in 5 Minutes!

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PE Ratio Explained Simply | Finance in 5 Minutes!



Interested in learning what the PE ratio in stocks is? Also known as price to earnings ratio, this metric is explained simply for beginners in this 5 minute video!

P/E ratio is a valuation metric that gives investors a quick look at how the market is currently valuing a company. It is a good first step when determining if the stock is currently at fair value, undervalued, or overvalued! Stocks with a low PE ratio, something around 10x, would be considered cheap and possibly undervalued. Inversely, stocks with a high PE ratio, say 50x or more, would be expensive and may be considered to be overvalued.

Price to earnings ratio can be found by dividing the stock’s current price per share, by its current earnings per share. The output gives you a multiple, sometimes referred to as a price multiple or earnings multiple by investors.

PE ratio really shows it’s strength when comparing multiple companies, within the same industry, to understand how each company is valued. You can use the PE ratio to make a more informed decision about which company may be better value for your money.

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Keep in mind that using PE ratio to compare companies across industries is not very useful. Different industries will have different standards and expectations that will effect PE ratio. For example, companies within the technology sector usually boast much higher PE ratios than companies within the consumer staples sector. For this reason, it is not recommended to use PE ratio as a basis for comparison across different industries and/or markets.

This video is part of my Stock Market Basics playlist.

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🕒 Time Stamps!
00:00 Intro
00:24 PE Ratio Explained
01:02 PE Ratio Calculation
01:30 Example
02:13 Comparison Between Companies
03:42 Comparison Across Industries
04:36 Finding PE Ratio
05:10 Thanks for Watching!

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💻 Check out the Stock Market Basics Playlist for more videos like this!

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*Disclaimer*
This channel is for entertainment purposes only and is not investment advice. All videos published on this channel are informational in nature and are not intended to give advice or recommendations about any particular security or investment. Before making any investment decisions, I would recommend you to speak to a financial professional that is qualified to provide advice.

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Klartext! Bitcoin: Ich lag falsch!

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Klartext! Bitcoin: Ich lag falsch!



► Den „BuyTheDip“-Podcast mit Lars Erichsen, Timo Baudzus und mir findet Ihr hier → https://www.youtube.com/@BuyTheDipPodcast oder auf https://buythedip.podigee.io/

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In diesem Video spreche ich Klartext über Bitcoin. Mein letzter Einstieg bei 102.000 US-Dollar war rückblickend zu früh, denn der Kurs ist danach noch einmal deutlich gefallen. Genau deshalb nehme ich mir jetzt die Zeit, die Situation offen einzuordnen und meinen aktuellen Plan darzulegen.

Ich erkläre, wie ich mit dem Rücksetzer umgehe, wie meine neue Vorgehensweise aussieht und warum es bei Bitcoin extrem wichtig ist, sauber zwischen langfristigem Investieren und kurzfristigem Handeln zu unterscheiden. Außerdem zeige ich auf, welche Fehler viele Anleger in solchen Phasen machen und wie man sie vermeiden kann, um emotional stabil und strategisch sauber investiert zu bleiben.

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► Folge mir jetzt bei LinkedIn → https://www.linkedin.com/in/hellsebastian/
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Inhaltsverzeichnis:
00:00 – Intro & Begrüßung
00:11 – Ihre seid die Besten!
01:26 – Klartext: Mein Bitcoin-Einstieg war zu früh
05:00 – Mein neuer Plan für Bitcoin
08:06 – Was ich tue, wenn ich falsch liege
09:00 – BuyTheDip-Umfrage: So denkt die Community
11:28 – 5 Gründe, die weiter für steigende Kurse sprechen

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Ein wichtiger abschließender Hinweis: Aus rechtlichen Gründen darf ich keine individuelle Einzelberatung geben. Meine geäußerte Meinung stellt keinerlei Aufforderung zum Handeln dar. Sie ist keine Aufforderung zum Kauf oder Verkauf von Wertpapieren. Jeder handelt auf eigene Verantwortung!

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Zum Zeitpunkt der Erstellung dieses Beitrags/Videos war der Autor, Sebastian Hell, in folgenden der besprochenen Finanzinstrumente selbst investiert: Bitcoin (siehe Video) | Geplante Änderungen: Keine. Weitere Informationen entnehmen Sie bitte unserem Transparenz-Hinweis zum Umgang mit Interessens-Konflikten → https://www.hell-investiert.de/transparenz-und-rechtshinweise

Ich verwende die Charting-Plattform „TradingView“. Hier kommst Du direkt zu https://de.tradingview.com

Die verwendete Musik wurde unter https://www.audiojungle.net lizensiert | Urheber: MusiCube

► Impressum → http://www.hell-investiert.de/impressum/

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#btc
#krypto
#kryptowährungen
#investieren
#investieren2026
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