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Financial Audit

The Biggest Losers Ever On Financial Audit

22 Jun 2026

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What is discussed at the start of this section?

0.031 - 6.564 Caleb Hammer

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Your credit score is actually four. I didn't know that was possible.

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6.725 - 7.486

I didn't either.

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7.727 - 8.328 Caleb Hammer

He's a loser.

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8.408 - 9.991

Well, he was the bad boy, yeah.

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10.091 - 14.761 Caleb Hammer

You're getting shamed for not doing the dishes, even though she doesn't do anything all day. Your life sucks.

14.781 - 17.186

Are you going to let him say that I don't do anything all day?

17.246 - 17.366 Caleb Hammer

No.

17.627 - 20.352

She does do a lot. Oh, wow, you're a wimp.

20.332 - 25.036 Caleb Hammer

Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears.

Chapter 2: How does the discussion about jobs and income unfold?

31.342 - 32.763

I don't know if I'd say yes tomorrow.

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33.965 - 56.669 Caleb Hammer

I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch.

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56.829 - 64.561 Caleb Hammer

Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. And that's a promise.

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66.784 - 71.17

I'm Mason. I'm 27. I'm Maya. I'm 27. And we're from Austin, Texas.

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Chapter 3: What challenges arise regarding meal prepping?

71.19 - 72.512

And this is Financial Audit.

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74.045 - 83.2 Caleb Hammer

Yes, it is. Thanks for coming into the studio, guys. Nice to have a local that's rare these days. Okay, what do you do, Mason, for a living here?

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83.22 - 85.864

I actually sell car keys. I just started this business.

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86.365 - 88.508 Caleb Hammer

You actually sell car keys?

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88.829 - 93.576

Yeah, car keys, key fobs, remotes. If it starts your car or locks it, I can make a dupe of it.

93.596 - 98.464 Caleb Hammer

Well, why was I supposed to be surprised? Like, I actually sell car keys.

98.484 - 98.584

Yeah.

Chapter 4: How does the conversation shift towards personal responsibilities?

98.564 - 104.77

Okay, like, yeah, you have a job. Yeah, most people just don't know you can get it from not the dealership.

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104.93 - 108.133 Caleb Hammer

Okay, cool. You sell car keys. Is this a commission-based thing?

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108.534 - 125.23

It is commission-based. Very good. You're the salesman. Yeah, I'm the salesman. I make the keys as well. He's going into his pitch right now. You can move on. Anyways, yeah, hopefully I'll be running my own business in the next year. What business? Car key business? Yeah. So it's called...

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126.408 - 128.551 Caleb Hammer

Are you talking about you being a franchise owner?

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129.032 - 129.913

So you're not starting your own business.

129.933 - 144.956 Caleb Hammer

That's what he's talking about. You're opening a franchise. Basically. Which I mean, yeah, that is like, you're kind of in the business owner sphere there. Definitely very close to it. Actually, I mean, I would say you are, but that is different. You're not like starting something from scratch and building it up. You have a model that works, so that's different. Exactly. Well, okay.

144.976 - 163.333 Caleb Hammer

Well, there'll be lots to talk about there. That'll be interesting. But what are you making now? Uh, right now, anywhere is between 500 and... Wait, but pause. You've had the job for like three weeks. How the f*** are you telling me you're going to open a branch? Like five. You're going to open a f***ing branch? You've had this job for three weeks. Yeah, the goal is in six months.

163.448 - 164.729 Caleb Hammer

I'll be running my own band.

164.749 - 177.622

Six months? You've had it for three weeks? How do you even know if you like it? Actually, he does. His manager and him, like, he's mentoring him. He's already been promoted. They have, like, a track with it. In three weeks? I agree with you. I think it's ridiculous.

Chapter 5: What financial responsibilities are revealed in this relationship?

2898.397 - 2921.061

Like, that's, like, you're getting paid. Why would you not want money? Like, pick, like, just take your check from him. You don't do anything. You just forget. But your last job, you worked four hours a day watching YouTube all day, and then... And then you went to like home and played video games for eight hours a day and still weren't helping around the house.

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2921.682 - 2938.509

So it's like this isn't like a new problem where it's like, oh, you know, you're not cleaning while I am home. But so. That's fair. I can admit, I was a lazy piece of shit for the first three years of our relationship. Didn't help, didn't do.

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2939.03 - 2943.356 Caleb Hammer

Wait, I believe that's the all of it?

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2943.777 - 2945.339

That's all of it. But continue, please.

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Chapter 6: How does the guest's job situation affect their finances?

2945.359 - 2946.601

Our three-year anniversary was in April.

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2946.661 - 2948.764 Caleb Hammer

Sorry, I don't want to interrupt you, except I just did. Continue.

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2949.025 - 2955.775

That's fair. Anyways, I have been a lazy piece of shit. I haven't helped out. I haven't done anything to...

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2955.755 - 2985.576

support the relationship but I feel like I am starting to try to help out you're showing up to your job and I would argue that that's a pretty basic adult skill that needs to be done right but I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that like the stress is like clearly have an issue keep responding because you said a lot I haven't done anything yeah I I haven't

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2986.619 - 3009.032

I am working on being more, not open, open's not the right word, but communicative? I don't think that's a fucking word. It is a word. Okay, well that. I am trying to actively be more present in the relationship. I haven't done the greatest job of it. Mm-hmm.

Chapter 7: What are the consequences of their spending habits?

3009.417 - 3012.623 Caleb Hammer

So is he, he's saying he's working. Is he working?

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3012.943 - 3013.604

He is working.

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3013.985 - 3014.386 Caleb Hammer

Okay.

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3014.406 - 3015.808

He's doing that. No, no, no.

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3015.828 - 3017.351 Caleb Hammer

He says he's working on all of that.

3017.571 - 3036.999

Is he working on all that or is he just pushing it off? So he went on a business trip for a week this last week. He's been gone the whole week. Um, He had four days off before he left, and I said, before you leave, I need you to do these three things that I can't do before you go. I need you to fix the litter robot that you deprogrammed so it's working while they're gone.

3037.04 - 3047.693

I need you to do the dishes that you have your special cast irons that you wash a specific way and whatever. And what were the other ones?

Chapter 8: How do they plan to resolve their financial issues?

3048.297 - 3049.24 Caleb Hammer

One more. Should have been.

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3049.481 - 3070.063

Either way. There's two more. But they were like very simple like things and he had four days to do them and I told him at the beginning of the four days so he had plenty of time. When he left... He left the litter robot unplugged, didn't fix it, didn't do the dishes, didn't help with like any of the four things I had asked him to do. There was actually something that caused a problem.

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3070.203 - 3077.857

I'm trying to remember. It was, yeah, he had left it like completely unplugged to the point where like I didn't find out until like a couple days in.

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3077.997 - 3085.67 Caleb Hammer

Why don't you just, why don't you do anything? Also, what the fuck? Business trip two weeks? into this job?

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3085.73 - 3095.119

Yeah, they go to Tulsa once a month to go sell there because it's a better market, but that was not our experience when he went. Yeah. What the f***?

3095.139 - 3096.42 Caleb Hammer

Tulsa, they just need more keys?

3096.901 - 3099.844

Yeah. Everybody needs keys, man, I guess.

3100.284 - 3119.923 Caleb Hammer

Why doesn't someone start a van there if it's such a good market? Because my boss is now covering it. Open your phone and give it to me. Oh, thank f***, it's an iPhone. What do you need? Whatever I want, boy. How is it that you are four years younger than me and look 40 years older than me?

3121.105 - 3141.933

A lot of what I was doing, not good shit. You also don't have a chin. He's not wrong. Damn. We've talked about that, though. Yeah. He needs dental work. Ask him about his insurance. Oh, it's a dental thing? Oh, ask him about his insurance.

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