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Chapter 1: What is discussed at the start of this section?
To watch episodes of Financial Audit a week earlier, check us out on YouTube. So you got fired for telling him he's not a black guy, he's not depressed?
No, he was saying I was racist, black girls. You watched Nick Fuentes. Just saw a clip of him dropping the N-word. It's just a word. We mentioned black fatigue because he was telling me a story, then they said something about being racist, and I was like, yeah, like, we're tired of that.
Who's we? What's that? June 1st, I'm launching the Hammer Elite app, available on every major platform.
Chapter 2: What are the implications of cheating in relationships?
Join the waitlist by using the link in the description or pinned comment down below to get a never-before-seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box, packed with limited edition merch. So mark your calendar, June 1st.
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hello my name is john i'm from i'm not from but i live in arlington i'm 37 years old and yeah it's pretty much it well no it's not there's a lot more well and this is financial audit
Certainly is. Listen, John, you made a mistake, my friend. What's up? And I'm sure we captured it on camera. You made a mistake.
Chapter 3: How does financial dependency affect relationships?
I don't know anything about you. What'd I do? The moment I sat down ready to film, you went to go pee-pee. So Lindsay started telling me things. Oh, no. And now I know things about you. And you're weird. You don't kiss your girlfriend because her teeth are rotting out. Would you? What is wrong with you, you beast?
Chapter 4: What is the significance of 'black fatigue' in the conversation?
Would you? I wouldn't be with someone who has rotting teeth, you freak. What are you doing? Why are you with her? You want to leave her, I'm also being told. Fair enough. But you can't because she essentially makes it so you're surviving. But you won't even, like, approach her mouth. You're just like...
Well, I would get her teeth fixed if... Right?
Am I doing this right?
Is that... Yeah. Well, if you do it from behind, you don't see that.
Yeah. Yeah. Okay. Yeah. Okay. It works. So, I mean, me personally would leave a rotting teeth individual even if that's the only way I was affording to live. Right. Jonathan. Yes.
Mm-hmm.
Maybe you should do that. Yeah. What the fuck is wrong with you? Why don't you give me your side? Because, yeah, that's essentially the little bit of lore I was given when you had to go pee.
Rent's expensive.
Rent's expensive. So you stay with... Yeah. No.
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Chapter 5: What are the consequences of having $40,000 in collections?
Hold on. Recorrect, recorrect, rewind. I am very much of the, why is everyone offended by everything? These people are so annoying that are offended by everything. Wah, woke, wah, SJW bullshit. I'm, I'm the cancel culture bullshit, blah, blah, blah. I am against all that dumb assery, but I feel like you go a step further. That's all I'm saying.
Well, we were having a private conversation and... Yeah, but we're not, okay?
We're not because millions of people are watching. So just make your point clear and known. I don't know.
Anyway, so that's why that happened.
Okay, so you can't hold down jobs because you try to f*** your employees and... So the third job I was making... Oh, there's another, yeah.
Yeah, so I got another job and I was making $47,000 a year, $47,000. And all the other managers are making 65. Okay. And so I was like, all right, well, let me prove myself after a while and then I'll ask for a raise. And I got let go two days before my 90 days. Why?
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Chapter 6: How does financial irresponsibility affect personal relationships?
They didn't give me a reason.
Okay. Well, obviously you shouldn't employ. You are a loser. And for what it's worth, to wrap up the fatigue conversation, I do have a fatigue of ghetto people. I also have a fatigue of white trash people as well. I have a fatigue of all the... if I drive in the Mexican community and they all have the spikes on their wheels and I can't go anywhere, I have a fatigue of trash people of all races.
So let's just be honest there. You could put me on a type of carnival cruise with a bunch of trailer trash white people and I'd have a fatigue of all their meth mouth, okay? So that's what I have a fatigue of, trash people. Okay. Of which you will see black people and white and Mexican and yeah, yeah, yeah, yeah. So I think that's fair fatigue. Sure. You seem to have only signaled out black.
What do you think your financial score is? Zero to 10. Zero being the worst, 10 being the best. One.
Chapter 7: What strategies can be used to improve financial habits?
Okay. If you want to figure out your financial score, go to calebhammer.com. See where it is. Take the assessment. Figure out where you stand in the world of money, where you're doing poorly, where you're doing very well, and how to get better. And if you do not want to be like a guest who ends up on the show, make sure you download the Dollar Wise budgeting app.
When you sign up for the annual version, I will personally sign my 30-day detailed meal plan, which comes with the digital version of the cookbook, and I'll mail it directly to you. This is awesome. It's changing a lot of people's lives. Join the tens of thousands of people who have done it. Dollarwise.com, or just download it, or click the link in the description below. There you go.
Now you can meal plan.
Thank you.
Or, you know, whatever the f*** you do. Do you cook? I don't know.
Well, actually, I just recently started meal prepping.
Oh, so you should probably lock someone down because that hair is thinning. Mine?
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Chapter 8: How can someone manage living expenses effectively?
Yeah, it's going.
I just wake up and go.
No, no, no. It's thinning. It doesn't matter if you woke up. Well, I didn't do anything to it. It doesn't change if it's thinning or not.
Where's it thinning at? The front. Oh, yeah, specifically.
I can see deeply in there. Yes.
Specifically left, right? No, the middle.
No, not the middle. It's thinning, right? Yes, it is. I see your scalp in there.
I had a hair transplant.
Oh, so it's just a thin transplant. So it's just that thick.
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