Timothy Sumer

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 Min

Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes, thanks to today's video partner, Mint Mobile: Resources I use/would use: 1) Acorns: Start investing, or open a retirement account , and get a free $5 by using my link: 2) Aura: Protect your online privacy and security NOW and for free by following my link: 3) Coursecareers: Get qualified for a better job and increase your income: and use code HAMMER50 to get $50 off the full course. 4) Fizz: A debit card that builds credit while preventing overspending: use CALEB10 for a $10 signup bonus! _______________________ Chapters: 00:00 Job and Income 02:33 Immediately BAD 05:53 Mint mobile 06:23 Spend spend spend... 10:43 ENDLESS CREDIT CARD DEBT 13:53 Sharing debt with MOM?!?! 16:25 This is INSANE 22:35 You can't be serious... 25:18 STOP. JUST STOP. 29:15 Refusing child support? Okay... 33:25 She refuses to do anything! 37:24 You need to BUDGET 40:05

Get qualified for a better job and increase your income: and use code HAMMER50 to get $50 off the full course. _______________________ Resources I use/would use: 1) Acorns: Start investing, or open a retirement account , and get a free $5 by using my link: 2) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes: 3) Aura: Protect your online privacy and security NOW and for free by following my link: 4) Fizz: A debit card that builds credit while preventing overspending: use CALEB10 for a $10 signup bonus! _______________________ Chapters: 00:00 Job and Income 02:09 Already a mess… 06:00 Coursecareers 08:33 what??? 10:47 Not the CREDIT CARDS 13:53 Are you serious?! 19:35 STOP THIS 23:12 Please… 24:10 ENDLESS SPENDING 27:00 Im scared for you... 29:00 Wait there's MORE?! 32:06 You need to budget! 34:38 Not looking good… 37:04 Please just have this! 39:00 Can he do this? 42:43 Just do this ple

Check out these fun things: Patreon: YouTube membership: My socials: Private 1-on-1 consultation: Want a free $5? Sign up for Acorns using my link: Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com _______________________ Chapters: 00:00 Job and income 01:08 Drowning in debt from the past 03:38 Checking accounts and where money goes 04:53 He's trying to correct her budget 06:50 Checking accounts continued 08:09 Random savings? 09:23 TERRIBLE CREDIT CARD DEBT 12:42 Retirement... with 1.8% interest... 15:13 $18,923 CRAZY DEBT 17:00 Going to school all of a sudden??? 19:48 Control your money! 21:48 IT'S TIME TO GET REAL 22:55 DEBT ON A CAR FOR HER BOYFRIEND!!!! 26:20 IT'S TIME TO GET REAL p2 32:48 Hammer Financial Score My filming equipment: Camera: SD storage: Tripod: Microphone system: Lighting: Teleprompter: USB C SD card reader: **Disclaimer: neither this video, nor any content produ