Caleb Hammer's Insane Financial Audits

I found ‪@CalebHammer‬, who audits all sorts of people with their finances. I picked 5 short videos to react to, and I thought you might find them interesting.
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1. Couple Has INSANE Monthly Car Payment
➡️ • Couple Has INSANE Mont...
2. Dave Ramsey is Clueless with the $1,000 Emergency Fund Strategy
➡️ • DAVE RAMSEY IS CLUELES...
3. Mom Open a Credit Card Under Daughter’s Name
➡️ • Mom Opened a Credit Ca...
4. She Has No Idea How to Use a Credit Card
➡️ • She Has No Idea How To...
5. She Took 10 Years to Graduate College and Has $132K in Student Debt
➡️ • She Took 10 Years To G...
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⏰ Table of Contents ⏰
0:00 Introduction
0:57 $1100 Car Payment
4:38 Dave Ramsey's $1000 Emergency Fund
7:57 Mom Opens a Credit Card Under Daughter's Name
10:44 She Has No Idea How to Use a Credit Card
13:38 $132K in Student Debt
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Disclaimer: This video is not in any form of personalized financial advice. I am solely sharing my personal experience and opinions. All Strategies, tips, suggestions, and recommendations shared are solely for entertainment and educational purposes only. There are financial risks associated with investing. You must conduct your own research and due diligence or seek the advice of a licensed advisor if necessary.
Affiliate Disclosure: Some of the links on this webpage are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinions and comparisons.

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[@walkerdarin2003]

I got rid of my 07 civic in 2018 because my infant car seat wouldn’t fit my newborn daughter. If it wasn’t for a newborn I’d kept the car forever.

[@FIREPsyChat]

I had a 2010 and I made it work but you’re right it was not a baby friendly vehicle

[@loveandjoy810]

I added my kids as authorized user to my cards when they were younger. When their cards came I just put them in our lock box. My daughter (age 19) just got her first apartment, and her credit score is 740 because she’s been on my credit since she was 14. My credit score is 839. I carry no debt except my mortgage. She had her own credit card in her own name only that I taught her to pay off every month. I do the same with my cards. I only buy what I budget and I pay it off every month. So I actually like adding kids as authorized users, but only if you are good with credit cards.

[@FIREPsyChat]

Thank you for being responsible with your spending 👍