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Because if you want to achieve any financial goal, the #1 thing you have to do is track your spending. “But Caalleeebb, that sounds like so much worrrkkk.” I. Don’t. Care. 🙂 Love ya. The only way you can achieve any goal is by: Once you do this, then achieving your goals becomes a lot […]

Many of my most popular Financial Audits involve people who made terrible financial decisions like: But here’s what’s interesting…  While some people will die on the Walmart floor for a new car, house, McNugs, or timeshare… Others sign their bank accounts away for smaller purchases that add up… Like F**KING TAQUITOS (gas station food and

People always ask me: “Should I use a credit card?” And for most people, I would say NO.  DEFINITELY NOT.  STAY AWAY.  DEATH. However, it’s not a matter of whether or not you should use it… But whether you’re the type of person who can use it. Here’s what I mean: If you watch any

I don’t know about you… But when I signed up for my first credit card, it went a little something like this: APRs, fees, transactions, payments… reading all these terms felt like reading alphabet soup and hieroglyphics at the SAME TIME. The same thing with reading the terms for bank accounts, mortgages, and car loans.

I don’t mean to brag… But I’m somewhat of a dumb*ss expert. I mean, you’ve seen some of the people I have on Financial Audit. Their brains are straight Looney Tunes.  But with all these guests I’ve had on, from: 🚗 A 20-year-old getting into $64,000 of car debt with a second car 🤡 The

There are only 3 things certain in life, Death, taxes, and me sh*tting on people who spend their monies on TAQUITOS.  But for how much I metaphorically dump on people for spending too much monies… You’d be surprised by how many people ask me:  “Skibidi Caleb, I’m not a dumb-dumb with my monies so I

I’ve interviewed 100+ dumb dumbs on Financial Audit. Here are the 2 biggest lessons I’ve learned about human behavior and overspending: You know what you need to do to avoid overspending and get your sh*t together.  Just make more and spend less. That means not spending your f*cking money on bad money habits like Starbies,

FIRE!!!! 🔥 There’s a FIIIRREEE, %FIRSTNAME%!!! No, this isn’t your typical fire. It’s not even Elmo setting everything on fire. It’s something even more serious. It’s a movement… in the finance community that stands for: Financial Independence Retire Early It’s a regular term people have been using to promote an extreme-saving lifestyle where you save

Did you get a raise? Did you get a new job that pays more? Ooooohhh, now you’re making mooonnaayyyy. You got that guap. That moolah. We gonna spend it at the clluuubbb right? We gonna pop bottles and ball out, right? Ehhh… no.  Spending more monies as you make more monies is otherwise known as

ME: “Why did you get a 3-bedroom apartment? Why not a one or 2-bedroom? GUILTY PERSON: “There weren’t any one-bedrooms, and the 2-bedrooms were only $100 cheaper.” Just wait until you hear this… ME: “Ok, but you don’t have much wiggle room here. After all your expenses, you’re left with $64 at the end of