AI Summary
5 min read"I've Never Seen Anything Like This" — Financial Audit
A 37-year-old single mother living two hours outside Los Angeles came on Financial Audit with $700-a-month rent, a photography business that loses money, and a plan to become a therapist for sex workers. She left with a Hammer Financial Score of 1 out of 10 and a host who told her, point-blank: "Get a job."
The guest, Lex, earns between $2,000 and $3,000 a month as a gig photographer. She shoots weddings, commercial work, boudoir, and adult content — including "horror boudoir" at a haunted attraction and shoots for OnlyFans creators in Las Vegas. She also used to financially dominate men, charging $250 an hour to dress them in women's clothing, put them in cock cages, and yell at them. She quit when she got pregnant because she "didn't want to sexualize" her pregnancy. She now has a four-year-old daughter with level 2 autism who runs away in public, requires ABA therapy, and has an IEP at school.
Continue reading the full summary in the app — free to try.
Read Full Summary →Free • No credit card required
Never miss an episode of Financial Audit
Get every new episode summarized in your inbox — free, ~5 minutes to read.
No spam. Unsubscribe anytime.
What you'll learn
- 1 (00:03) **Episode Cold Open** - Caleb sets the tone with a blunt warning about not ruining your life with debt, then cuts to a guest who is spending on Disney while struggling financially.
- 2 (00:48) **Guest Introduction: Lex, a Photographer from LA** - Lex introduces herself as a 37-year-old single mother and photographer from the LA area.
- 3 (06:15) **Past Work: Financial Domination** - Lex reveals she used to work as a financial dominatrix, "beating men" for $250 an hour.
- 4 (13:09) **The Core Financial Problem: A Child to Support** - Caleb presses on how she is supporting her 4-year-old autistic daughter on $2,000-$3,000 a month.
- 5 (26:55) **The "Get a Job" Argument** - Caleb argues Lex should stop pursuing her unprofitable photography business and get a stable job.
- 6 (38:25) **The Core Critique: Personal Choices vs. Circumstances** - Caleb separates Lex's financial mess from her daughter's needs, blaming her business decisions.
- 7 (41:25) **Deep Dive into Spending and Debt** - A detailed review of Lex's credit cards, loans, and spending habits.
+ Full timestamped outline available in the app
Show Notes
💸 Download Dollarwise today: https://bit.ly/dollarwiseapp ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *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. This is not investment advice. Sponsorship and business inquiries: [email protected]
Learn more about your ad choices. Visit megaphone.fm/adchoices
More from this podcast
Financial Audit →