Thanks to SoFi for sponsoring this video/episode! View your rate for a SoFi Personal Loan through my link with no impact to your credit score and no commitment Resources I use/would use (with discounts/sign-up bonuses): 1) Investing: Start investing, or open a retirement account, and get a free $5 by using my link: 2) Checking & Savings: Get up to 4.30% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: *affiliate link 3) Online security: Protect your online privacy and security NOW and for free by following my link to our sponsor Aura: 4) Credit building debit card: The first 1000 people to sign up for Fizz with code: HAMMER10 get $10: 5) Coursecareers: Get qualified for a better job and increase your income: and use code HAMMER50 to get $50 off the full course. 6) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: _______________________ My socials: Do you want to be in a Financial Audit? We film on Monday/Tuesday every week in Austin, Texas (in person only)! Fill out this brief survey if they are interested? _______________________ Chapters: 00:00 Job and income 04:30 SOFI 07:08 Spend Spend Spend 11:16 What's going on? 14:39 At least there's that... 17:41 Stop BS spending! 20:29 You need to budget 26:10 Clean up this mess! 31:52 Hammer Financial Score _______________________ Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you're feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it's completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin. _______________________ *Some of the links and other products that appear on this video are from companies 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: calebhammer@creatorsagency.co...(read more)
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Hidden Medical Debts In Collections Haunt His Life: A Financial Audit Medical expenses can be a hefty burden on individuals and families, often leading to financial stress and hardship. Unfortunately, the impact of these expenses can be far-reaching and long-lasting, even extending beyond the initial payment due to hidden medical debts in collections. These haunting debts can have devastating effects on one's financial health, making it essential to conduct a thorough financial audit to identify and address such issues. Hidden medical debts typically arise when a medical bill goes unpaid or remains unresolved for an extended period. Many individuals are unaware that these debts can end up in collections, as they are not always notified or reminded by the medical provider or insurance company. As a result, these debts can accumulate interest, penalties, and fees, making it even more challenging to pay off the original amount. The consequences of hidden medical debts can be severe. They not only damage an individual's credit score but can also lead to legal actions, such as lawsuits and wage garnishments. The impact on one's financial well-being can be long-lasting, limiting their access to future credit, housing options, and even job opportunities. Conducting a financial audit is the first step in tackling hidden medical debts. Start by gathering all relevant financial records, bills, insurance claims, and correspondence. This information should help in identifying any outstanding medical debts that may have gone unnoticed. Organize the documents chronologically, noting any amounts owed and their due dates. Next, review the details of your medical insurance coverage. Understand your policy's terms, including deductibles, co-pays, and coverage limits. Often, individuals overlook potential insurance coverage for certain medical services or prescriptions. If you find any discrepancies or uncertainties, contact your insurance provider for clarification. Once you have a clear picture of your medical debts and insurance coverage, it's time to negotiate with providers and collection agencies. Reach out to the respective parties and discuss the outstanding amounts, explaining any financial difficulties you may be facing. In many cases, providers may be willing to set up a payment plan or even reduce the debt if means-testing reveals financial hardship. Alternatively, exploring options for medical bill negotiation or assistance programs can provide additional support. Some nonprofit organizations may offer financial aid or assistance in negotiating medical bills. It's worth doing thorough research to identify potential opportunities, including local, state, and federal programs that may be available to help relieve financial strain. Finally, it's crucial to take proactive steps to avoid hidden medical debts in the future. Understand your medical insurance coverage thoroughly, and always review medical bills and statements carefully. If any issues or discrepancies arise, address them immediately with the medical provider or insurance company. Keeping open lines of communication can prevent medical debts from snowballing and ending up in collections. Hidden medical debts in collections can have a lasting impact on an individual's financial well-being, haunting their lives for years to come. To prevent such debts from wreaking havoc, a comprehensive financial audit is necessary. By conducting this audit, negotiating with providers, exploring assistance programs, and implementing preventive measures, individuals can regain control of their financial health and avoid the torment of hidden medical debts in the future. https://inflationprotection.org/undisclosed-medical-debts-resurface-to-haunt-him-a-financial-examination/?feed_id=122207&_unique_id=64c554c5bb844 #Inflation #Retirement #GoldIRA #Wealth #Investing #biaheza #biggerpockets #budget #budgetmoneydebtcash #budgeting #compoundinterest #crypto #daveramsey #daveramseylive #daveramseyshow #daytrading #elenataber #Finance #financialeducation #FinancialIndependence #grahamstephan #howtoinvestinrealestate #howtomakemoney #inflation #Makemoneyonline #MarkTilbury #MeetKevin #personalfinance #ramsey #realestateinvesting #ryanpineda #shibainu #studentloanforgiveness #thedaveramseyshow #theplainbagel #RothIRA #biaheza #biggerpockets #budget #budgetmoneydebtcash #budgeting #compoundinterest #crypto #daveramsey #daveramseylive #daveramseyshow #daytrading #elenataber #Finance #financialeducation #FinancialIndependence #grahamstephan #howtoinvestinrealestate #howtomakemoney #inflation #Makemoneyonline #MarkTilbury #MeetKevin #personalfinance #ramsey #realestateinvesting #ryanpineda #shibainu #studentloanforgiveness #thedaveramseyshow #theplainbagel
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