BigDeal

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What’s the #1 money habit that separates winners from losers? What stops the thousand small cuts you're making every single day that you refuse to see?
Caleb Hammer has reviewed thousands of financial disasters on his show Financial Audit, and he's breaking down the tactics that separates people who build wealth from people who stay stuck forever. From collections to car loans to OnlyFans subscriptions, he's seen it all. And in this episode, he's pulling back the curtain on what actually works, what's killing your future, and why most people would rather look rich than be rich.

In this episode, you'll learn:

Why 40% of Americans can't afford a $400 emergency and how not having an emergency fund starts the debt snowball that destroys everything

The 50/30/20 rule: 50% needs, 30% fun, 20% investing, and why people think Caleb is stingy when he's actually telling you to spend a crazy amount on fun once you cut the BS

The real difference between people who change and people who don't: action words versus future words, and why I'm gonna means nothing if the documents show you aren't doing it now

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(00:00:00) Introduction: Budgeting Is the Snowball That Starts Every Financial Disaster
(00:00:52) The Red Flags: Collections, Repos, and the Death by a Thousand Cuts
(00:06:14) The OnlyFans Economy: Loneliness, Parasocial Relationships, and Paying Indian Telemarketers
(00:08:00) The Average American Is Broke: 40% Can't Handle a 400 Dollar Emergency
(00:10:54) Budget or Die: The One Non-Negotiable Rule That Changes Everything
(00:12:01) The 28 Dollar Lunch Debate: Avocado Toast, Death by a Thousand Cuts, and Owning Your Choices
(00:13:45) Housing, College, and Health Care: The Three Things Actually Screwing Gen Z
(00:19:38) The Car Trap: Why Americans Justify 1000 Dollar Payments for Grocery Runs
(00:23:27) Dave Ramsey Is Wrong: The 1000 Dollar Emergency Fund and the 6% Withdrawal Myth
(00:26:33) Bill Gates Doesn't Know the Price of Rice-A-Roni: The Disconnect of Wealth
(00:27:45) The 100K Investment Blueprint: Target Date Funds, Index Funds, and Killing High-Interest Debt First
(00:29:19) Pokemon Cards, Tulip Mania, and NFTs: Why Speculation Always Ends the Same Way
(00:30:58) The Dumbest Investments: Gold Mines in Uganda, CDs, and Risk-Averse Spending Addicts
(00:34:21) The SpaceX IPO: Trillion Dollar Valuation, NASDAQ Rule Changes, and Betting on Elon
(00:37:43) Caleb's Origin Story: From Negative 90K in Debt to 250K Net Worth in Six Years
(00:41:34) The Five-Step Blueprint: Budget, Find Your Market Fit, Kill Debt, Emergency Fund, Invest 20%
(00:42:58) The 50-30-20 Rule: 30% on Fun Is Not Stingy, It's Generous as Hell
(00:48:05) War Stories: The Streamer Who Made Two Cents a Month and Still Wouldn't Quit
(00:50:49) The Car Defense: Why People Fight to the Bone Over a 40K Net Gain
(00:51:31) Breaking Someone's Frame: The Kids Argument and the N-Word Incident
(00:54:36) The Action Test: I'm Gonna Versus I Am—How to Tell If Someone Will Actually Change
(00:55:28) 28,000 Dollars in Debt Paid Off in 12 Months: The Financial Audit Success Rate
(00:56:29) The Anchor Problem: When One Partner Drags the Other Down Financially
(00:57:24) Couples Therapy, Prenups, and When to Walk Away from Financial Disaster
(00:58:07) Underrated Purchases and Mint Chocolate Chip: The Flavor That Tastes Like Mouthwash
(01:00:59) The Money Rule Caleb Struggles to Follow: Spend More and Take a Vacation
(01:02:01) Hammer Elite: 110,000 Subscribers and Building a Premium Content Empire
(01:02:54) Political Audits: Governors, Senators, and Why Newsom Said No
(01:04:27) The Federal Debt Crisis: Pentagon Audits, Social Security Cuts, and the 25% Haircut in Five Years
(01:04:57) Centrist Economics, Right-Wing Coded Jokes, and Why Both Parties Suck at Spending
(01:09:27) The Final Word: Every Day You Wake Up, You Choose to Be a Retard or Not—Choose Wisely

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You've been waiting for access. Waiting for someone to notice. Waiting for permission to enter the rooms where real wealth gets built. Here's the truth: the 1% didn't get there by being the smartest. They got there by knowing how to speak the language, earn trust before they needed it, and stay grounded when everyone else started lying to them.

This episode breaks down the exact framework for breaking into circles you don't belong in yet, staying there once you're invited, and becoming the person everyone wants to keep around. Because networking advice for broke people doesn't work when you're trying to reach people who already have everything. The game changes. And if you don't know the new rules, you'll get one shot and never get called back.

In this episode, you'll learn:

Why most people go negative on the first call and never get a second one, and how the relationship balance equation decides who gets re-invited and who gets ghosted

How trust is built on someone's worst day, not their best, and why showing up during the fire without asking for anything after is how you earn loyalty that lasts decades

Why success makes people worse at reading the truth and how to engineer channels where disagreement is rewarded instead of punished

The mum effect: how every layer of your organization softens bad news until reality becomes unrecognizable, and why asking what's missing is more important than asking how'd we do

The REAL framework: Respect their time, Earn trust, Ask for truth, Live in reality, and how mastering these four moves makes you impossible to ignore and irreplaceable once you're in

Stop waiting for the door to open. Start becoming the person they can't afford to leave outside.
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(00:00:00) Introduction: Nobody in the 1% Got There by Being the Smartest First
(00:00:28) Respect Their Time: Why Broke Person Networking Advice Stops Working
(00:01:59) The Relationship Balance Formula: Deposits Minus Withdrawals
(00:03:02) Never Make an Introduction Without Permission: Double Opt-In or Die
(00:04:40) Earn Trust on Their Worst Day, Not Their Best
(00:07:43) Give to Get: The Growth Kit and Why Customers Need Value First
(00:08:52) Ask for Truth: Success Quietly Makes Honesty Impossible
(00:10:54) The Emperor Maximilian Story: How Paranoia and Flattery Destroy Empires
(00:12:12) Spot the Leader Surrounded by Sycophants and Become the Counterpoint
(00:13:34) Live in Reality: Uncovering the Stack of Compounding Lies
(00:16:59) The Pulse System: Track Your Numbers Against Projection in Real Time
(00:17:25) Sun Tzu's Spies: Real Knowledge Only Comes From Eyes on the Ground
(00:19:04) Eyes to Eyes: Go See For Yourself, Nobody Read Your Slack
(00:19:44) The REAL Framework: Respect, Earn, Ask, Live

___________

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You've been standing on the sidelines. Watching your voice shrink every time the room gets uncomfortable. Letting fear dictate what you say, who you become, and how small you're willing to stay just to avoid the backlash. Here's the truth: the cost of silence is always higher than the cost of speaking up. And the moment you stop apologizing for what you believe is the moment you stop living someone else's script.

Zuby is an Oxford educated rapper, bestselling author, and one of the most uncompromising independent thinkers alive. He's built a career using his voice to challenge narratives, spark real conversations, and inspire millions to stop waiting for permission to live boldly. In this episode, he breaks down the exact frameworks for building a life that means something, why usefulness beats happiness as a North Star, and the one practice that turns avoidance into courage.

In this episode, you'll learn:

Why the biggest killer of men under 50 is themselves and what that says about purpose, meaning, and the fundamental pillars that have been knocked out of modern life

The moral duty to be strong: why it's not wrong to be weak, but it's wrong to voluntarily remain weak, and how competence builds confidence that serves others

How to overcome fear when the people you love want you to stay the same and why listening to everyone doesn't mean taking everyone's advice

The zoom out framework: fear God not man, remember most people have it harder than you do, and recognize you asked for the life you're living

Why meaning comes from knowing what you actually value, not what society told you to prioritize, and how trade offs are the secret to building a life you designed instead of inherited

Stop shrinking. Start speaking. The world doesn't need another person playing it safe. It needs you at full volume.
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(00:00:00) Introduction: Stop Self-Obsessing and Start Building Something That Matters
(00:00:53) The Hidden Crisis: Why Young Men Are Quietly Disappearing
(00:02:18) Boys Are Always Building or Destroying: The Testosterone Truth
(00:04:13) The Gender Role Confusion: Who Pays for the First Date and Why It Matters
(00:07:33) Quiet Quitting Masculinity: The Generation Opting Out Entirely
(00:11:30) Real Wages, Real Problems: The Economic Truth Nobody Wants to Admit
(00:15:11) It's Wrong to Voluntarily Remain Weak: Your Moral Duty to Be Strong
(00:19:12) The Parable of the Talents: Don't Stand Before God at Half Capacity
(00:21:08) Look-Maxing, Vanity, and the 80-20 Rule for Men's Appearance
(00:25:55) Stop Fighting Biology: Why Blank Slate Thinking Is Making Everyone Miserable
(00:28:17) Build Competence First: The Foundation of Self-Respect
(00:30:01) The Self-Obsession Trap: Focus Outward to Escape Your Own Head
(00:32:44) Therapy, Shamans, and Substituting Religion: The Long Way Back to God
(00:37:33) I Fear God, Not Man: The Source of Courage in a Cancel Culture
(00:40:16) Zoom Out: You Asked for This Worry
(00:43:42) Listen to Everyone, Obey No One: Handling Criticism from People You Love
(00:46:04) The Nigerian Parents Who Let Zuby Become a Rapper
(00:52:32) Never Let a Stranger on the Internet Ruin Your Day
(00:53:33) What Is a Meaningful Life? Trade-Offs, Priorities, and Conscious Decisions
(00:59:50) One Goal Since 19: Use My Voice to Impact Millions
(01:01:13) Final Words: Keep Moving Forward, Focus on the Light, and Persevere

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You're doing everything yourself. You're answering every email, attending every meeting, and somehow still ending every week exhausted with nothing meaningful to show for it. Here's the truth: buying back your time isn't a luxury you earn after you get rich. It's actually how you get rich in the first place.

This episode breaks down the exact dollar per hour math that decides what to delegate first, the three person hiring ladder tied to your revenue, and the Four D’s framework that stops your calendar from filling up with everyone else's priorities. Because time is the only asset you can't make more of. And if you don't value yours, nobody else will either.

In this episode, you'll learn:

Why billionaires refuse to do $20 an hour tasks and how the dollar per hour rule forces you to stop lighting money on fire every week

The Four D's: delete, defer, delegate, do, and why most people start at delegate and end up paying someone to do work that should never have been done at all

The FREE system: favors, remote, executive, envoy, and how to build your support ladder from zero to chief of staff without wasting money on the wrong hire

Why your open door policy is killing your productivity and how to replace come talk to me with send me a brief so half your meetings solve themselves

Block it, batch it, assign it: the three calendar rules that stop your team from hijacking your time and force them to carry the weight of their own work

Why swooping in to save the day robs your team of the lesson that would make them great and how letting them drop the ball teaches more than your rescue ever could

Stop being your busiest employee. Start protecting the one asset you'll never get back. Your time isn't something you spend. It's something you invest.
If you're looking for people who think like owners instead of employees, check out Athena. Stop going at it alone. → http: // Athena.com/codie-sanchez (http://athena.com/codie-sanchez)
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(00:00:00) Introduction: Buying Back Your Time Is How You Get Rich, Not a Reward
(00:01:03) The Billionaire Lesson: Why Getting Your Own Gas Is a Poor Person's Mindset
(00:02:17) The Delegation Myth: Why If I Don't Do It, It Won't Get Done Right Is Costing You Millions
(00:04:47) The Dollar Per Hour Rule: Stop Setting Money on Fire
(00:06:06) The Four D's Framework: Delete, Defer, Delegate, Do
(00:07:21) Build Your Ladder: The FREE System for Hiring Support
(00:09:08) Remote Assistants: The Highest Leverage Hire You're Not Making
(00:12:59) Kill Your Open Door Policy: Walk the Factory Floor, Don't Let It Walk to You
(00:14:15) Send Me a Brief: The Jeff Bezos Six-Page Rule and Forcing People to Think Before They Speak
(00:15:47) Frontline Data: Brad Jacobs' Two Blunt Questions and Finding Truth in Compounding Lies
(00:17:27) Block It, Batch It, Assign It: Negotiating Your Calendar Like a CEO
(00:18:58) Let Them Carry the Weight: Why Swooping In Robs Your Team of the Lesson That Makes Them Great
(00:20:28) Getting Tougher on Your Time: The Clean No to Almost Everything Else

___________

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You've been undercharging. You've been giving away too much. And every time a client pushes back on price, you fold before they even finish the sentence. Here's the truth: the problem isn't your pricing. It's your positioning. And the moment you stop apologizing for your value is the moment everything changes.

Chris Do is the founder of The Futur and has taught hundreds of thousands of creatives, entrepreneurs, and builders how to charge what they're actually worth. He's built a career mastering the art of negotiation, personal branding, and pricing psychology, and in this episode, he's breaking down the exact frameworks that separate people who get paid like amateurs from people who get paid like experts.

In this episode, you'll learn:

Why charging more is more ethical than charging less and how underpricing hurts your clients, your team, and your ability to deliver real value

The with or without you energy: how to walk into every negotiation knowing you're the prize and why neediness kills deals before they start

Price bracketing: the exact way to present your pricing so clients anchor high and negotiate themselves up instead of down

Why most entrepreneurs don't have a marketing problem, they have a positioning problem, and how being specific makes you more money than trying to serve everyone

The mindset shift that lets you charge 10x more: understanding that money is a construct, scarcity creates value, and brand is what makes people pay premium prices for the exact same thing

Stop selling yourself short. Start owning your value. The clients who can't afford you aren't your clients. The ones who can are waiting for you to believe it first.
___________

(00:00:00) Introduction: You Are the Master of Your Destiny, Not the Client
(00:00:40) The Chris Do Move: How to Ask for What You're Worth Without Being Delusional
(00:02:48) With or Without You Energy: The Mindset That Changes Every Deal
(00:07:01) Charging More Is More Ethical Than Charging Less
(00:08:53) The Pricing Game: Price Bracketing, Anchoring, and Never Justifying Your Number
(00:12:50) How to Find Out What Clients Really Have: The Budget Excavation Method
(00:17:01) The Manipulation Behind Luxury Goods: Stories, Scarcity, and Status
(00:22:48) Money Is a Construct: The $800 Day Rate Story and Playing the Game
(00:25:05) From Vietnam to Mercedes: Writing Your New Self-Story Through Mastery
(00:27:16) What Is Brand and Why Does It Matter More Than Marketing
(00:31:13) Don't Try to Be Better, Be Different: The Sea of Sameness Problem
(00:32:25) The Imogene and Willie Test: What Story Are You Telling Yourself
(00:35:18) Fake It Till You Make It or Believe It Till You Achieve It
(00:37:41) You Don't Have a Marketing Problem, You Have a Positioning Problem
(00:42:03) The Three Monsters: Perfection, Advice, and People Pleasing
(00:49:15) Visualizing Success: Designers Are Futurists Who Imagine the Optimal Path
(00:54:52) Passion Follows Mastery: The YouTube Origin Story
(00:59:25) The Rich Owner Versus Poor Owner Mindset: Business Archetypes and Self-Sabotage
(01:05:54) I'm My Own Number One Fan: Loving Yourself and Handling Trolls
(01:09:37) Infusing Soul Into Your Brand: Flip the Cliché and Build Your World

___________

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MORE FROM CODIE SANCHEZ
🎥 YouTube: https://www.youtube.com/@codiesanchezct
📸 Instagram: https://www.instagram.com/codiesanchez
📽️ TikTok: https://www.tiktok.com/@realcodiesanchez

OTHER THINGS WE DO
🌐 Our community: https://contrarianthinking.typeform.com/to/WBztXXID
📰 Free newsletter: https://contrarianthinking.biz/3XWLlZp
📚 Biz buying course: https://contrarianthinking.biz/3NhjGgN
🏠 Resibrands: https://resibrands.com/
💰 CT Capital: https://contrarianthinking.biz/4eRyGOk
🏦 Main St Hold Co: https://contrarianthinking.biz/3YfGa8u
Learn more about your ad choices. Visit megaphone.fm/adchoices