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Patreon: https://www.patreon.com/calebhammer
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Sponsorship and business inquiries: calebhammer@creatorsagency.co
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Timestamps: 00:00 Job and income 05:55 Single income household (Yikes) 13:25 Filthy debt habit 19:14 Being a good person is irrelevant 23:15 Holy moly you can't afford this 28:08 SOFI 30:35 Endless BS spending 37:12 You have ZERO excuse 43:04 So you're gonna take classes? 48:11 When does this nightmare end?! 51:11 You need a budget 1:03:32 AURA 1:08:34 Here's the plan 1:15:48 You're GOING to counseling! 1:23:44 Hammer Financial Score
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