I guess I’m feeling nostalgic.
Because we’re going on a little trip…
To the PAST!
When I was a little baby, wearing my glasses and yelling at my toys for cheating on their plastic partners while hiding a LEGO addiction, I saw how my parents handled money.
And it wasn’t the best.
Misused credit cards, dumb taquito spending, and never telling me how to save money.
Maybe you can relate.
Maybe you had it worse…
I got lucky. I figured it out, and now I get to help people get this financial shit together for a living on the internet.
(At least until AI Caleb takes over. That guy sucks. Super douchy. Uses waaaay too many em-dashes.)
But maybe you didn’t.
Maybe you’re still behind today, because you started so far behind as a kid.
It’s not your fault.
But it IS your responsibility.
I know it’s easy to talk down on your finances when you’re comparing yourself to:
- Some 19-year-old on IG in front of a Lambo…
- A childhood friend with a $100,000 college fund since they were in diapers…
- A former classmate who got a good job and goes on vacation 3 times a year after graduating with a Master’s degree…
However none of that means dick to YOU.
Getting your money in order has absolutely NOTHING to do with anyone but you.
Because personal finance is PERSONAL.
“Okay Caleb, I get it. It’s on me, jeez. But I’m soooo far behind. What do I doooooo?”
Well, first off, chill with the o’s…
Second if you’re reading this, I’m guessing you genuinely WANT to get ahead.
But you’re probably fucking drowing in all kinds of debt.
Student loans, credit cards, gambling debt, and who-knows-what else.
I’ve seen it all.
And the good news is it’s 100% possible to get out of any kind of situation if you’re willing to put in the work.
If you’re lazy and unwilling to do anything about it, fuck. I can’t help ya. No one can.
You might as well stop reading right now.
If you do have the stones (or lady stones) to sack up (or lady sack up) and get to work, I gotchu.
“Caleb, I’m totally willing to do the work, I just need you to point me in the right directiooooon.”
Hey.
What did I tell you about those fucking o’s?
Cut it out.
But I still gothcu.
Our friends over at Money Lion are the best in the biz when it comes to things like debt consolidation and credit builder loans.
They can help you right the ship, find your payoff day, and can often make payments more manageable and lower your interest rates.
(That way you pay less over time.)
All you gotta do is answer a few questions to see what you qualify for.
Check it out HERE.
Just remember, this is only for people who either already have better habits, or are absolutely, positively, super-duper committed to building good money systems.
Because it doesn’t matter WHERE you start.
It only matters THAT you start.
Taquitos,
Caleb “Memory Lane” Hammer
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