Author name: Caleb Hammer

Here’s a crazy stat, If you had $7,000 put away and invested in the stock market when you were born… You’d have $1 million by the time you were retired at 65 years old. It makes you wonder: “Why TF didn’t my parents do that for me?! I could’ve been a millionaire and wouldn’t have […]

I’ve seen some pretty dumb ways people spend their monies… But BY FAR the dumbest way I’ve seen people irresponsibly spend their monies (time and time again) is using their credit cards all for…. *drum roll please* POINTS.  Almost everyone on Financial Audit is not a credit card person.  And I always get the same

I don’t know about you… But it seems like everyone has a f**king subscription nowadays. And I’m not just talking about streaming services like Amazon and Netflix… You can get groceries, clothes, and pet supplies for a monthly fee. Even Mercedes-Benz’ is offering EXTRA HORSEPOWER to their electric cars for a MONTHLY FEE. We are

Save, save, save…. That’s all anyone talks about. Including me. You better not be wasting yo’ monies.  But finance is a two-sided relationship between saving monies and making monies.  Everyone loves the idea of making monies… until you realize you have to WORK to make the monies. That’s not too fun.  But if you want

Want to know a secret about Financial Audit? Most of the time, the people on the show don’t have money problems. They think they do… but they don’t.  In reality, they have personal problems that show up as bad money habits. 👉 They get a crazy car loan because they’re insecure 👉 They live beyond

I’ve got a funny meme for you: Hehe, this honestly gave me a laugh when I saw it… Because IT’S TRUE >:( I haven’t talked about debt too much on here (mainly because I always talk about DEEAATTHH during Financial Audits)… But someone reached out to us recently and asked about refinancing their debt and

How good are your parents with money? If you’re here, I’m guessing… not so much.  You see, a lot of habits and beliefs around money come from when we were little. As a little %FIRSTNAME%, you didn’t know much about the world. So you looked at what your parents (or parental figures) did to learn

What’s more important: Your debt or your credit score? It seems obvious at first, but people who have lots of debt often ask me: “But Caleb, wHaT CaN i Do AbOuT mY cReDiT sCoRe?” And I always give the same response: F*CK your credit score! 😛  If you have lots of debt, your #1 priority

Every company offers automatic payments now, So much so that it’s become the “cool way” to pay your bills – like covering the bill when you go out on your credit card knowing you’ll never financially recover from this.  But should you be signing up for automatic payments? Well, let me start with this quote I