
Hosted by Caleb Hammer · EN

Go to https://meetfabric.com/CALEBHAMMER and start investing in your child today!▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Roll over your 401(k) at https://hicapitalize.com/ywim and see site for full terms. This video is sponsored by Capitalize! #sponsored @hiCapitalize ▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

v Learn more about your ad choices. Visit megaphone.fm/adchoices

Go to https://meetfabric.com/CALEBHAMMER and start investing in your child today!▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________CHAPTERS00:00 INTRO00:40 U.S Gross Federal Debt01:00 U.S Entitlement Programs03:00 What do we do?06:54 Additional Repercussions08:30 Potential Positives10:40 Potential Negatives 12:30 Outro_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Your financial goals matter. Good credit can make them real.Meet Kikoff - the best way to build credit fast - try your first month for FREE. Must sign up via https://getKikoff.com/ywim for promotion to apply.Users under 600 can grow +28 points in their 1st month.No credit checks, hidden fees, or interest. Ever.1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

🌎 Get an exclusive 15% discount on Saily data plans! Use code weekinmoney at checkout. Download Saily app or go to https://saily.com/weekinmoney1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Your financial goals matter. Good credit can make them real.Meet Kikoff - the best way to build credit fast - try your first month for FREE. Must sign up via https://getKikoff.com/ywim for promotion to apply.Users under 600 can grow +28 points in their 1st month.No credit checks, hidden fees, or interest. Ever.▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________CHAPTERS00:00 Preview00:24 China Is STROUGLING00:42 China's Real Estate Crisis03:03 Importance To China's Economy06:46 China's Potential Fiscal Stimulus08:53 Key Components of the China's Expected Stimulus Package09:19 Impact Of The Chinese Housing Market Collapse10:13 China Consumption & Welfare Measures10:47 China's Debt & Fiscal Constraints11:13 China's Overall Economic Outlook12:10 China's Key Trading Partners & Export Growth12:54 China's Import Decline & Trade Surplus13:25 China's Expected Impact On Imports14:28 China's Longterm Outlook_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶Sponsorship and business inquiries: business@calebhammer.com Learn more about your ad choices. Visit megaphone.fm/adchoices

▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________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._______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices

You can try invideo AI for free, but if you are serious about video creation you should get a paid plan that starts at just $20/month which is the one that I have and it will remove the watermark + give you access to voice cloning and high quality stock footage. Just go to this link https://invideo.io/i/YourWeekInMoney and use my code YOURWEEKINMONEY50 to get twice the number of video generation credits in your first month.▶EDUCATION:1) Bundle my budgeting, debt + investing program for 25% off: https://calebhammer.com/classpack/2) The best budgeting program online: https://calebhammer.com/budget3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula5) Get your own free Hammer Financial Score: https://www.calebhammer.com_______________________▶RESOURCES1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services.Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today!7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer_______________________▶ CHAPTERS00:00 Intro00:25 Why To Get Rid Of Standard Time00:38 Reason 102:26 Reason 204:47 Reason 308:14 Reason 409:41 Reason 511:10 Why To Get Rid Of Daylight Savings Time11:20 Reason 112:07 Reason 212:41 Reason 313:35 Reason 414:06 Anyways..._______________________▶OTHER CHANNELS:1) Financial Audit: https://www.youtube.com/@calebhammer2) Finan cial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups_______________________▶EXTRA1) My website: https://calebhammer.com2) My socials: https://linktr.ee/calebhammer3) 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/applyAny questions? Email casting@calebhammer.com_______________________▶*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 Learn more about your ad choices. Visit megaphone.fm/adchoices