My Lawyer Had To Step In | Financial Audit
Published: 2025-09-03
Status:
Available
|
Analyzed
Published: 2025-09-03
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 3
Prediction
Topic
Status
A new AI video creator called Invido will be able to generate full-length, hyperrealistic videos from text prompts.
"Invido is the only AI video creator that turns your wildest ideas into actual fulllength videos. Not just random clips. We are talking beautiful, hyperrealistic videos. And it all starts with a simple text prompt."
Incorrect
A new AI video creator will allow users to generate full-length videos based on text prompts, with the example of creating a dramatic courtroom trial video about a tax return.
"With today's sponsor, Invido AI, now you can. Invido is the only AI video creator that turns your wildest ideas into actual fulllength videos. Not just random clips. We are talking beautiful, hyperrealistic videos. And it all starts with a simple text prompt. Literally, all you need to do is tell it your idea. Make a one minute video as if your tax return is a dramatic courtroom trial and you're losing. And then boom, your video is ready within a few minutes."
Pending
AI video editing will allow users to easily modify generated videos by typing in simple commands, clone their voice for narration, and will not require any prior editing experience.
"Want to tweak it? All you have to do is type in start the video with the mysterious spin or even make it funnier. You can even clone your own voice and have it narrate. That's it. No timeline, no editing degree required."
Correct
A credit building loan product called Money Line will be available, which provides users with funds and reflects bi-weekly payments on their credit score.
"Money Line is a credit builder loan. one of those ones where once you have an account with them, they give you a certain amount of money and then as you pay that off bi-weekly, uh I believe in $35 increments, it reflects on your credit um building."
Correct
Credit building loans will have a reserve system where a portion of the borrowed amount is held until good payment history is established.
"And then once you get to the amount, like if they give you 800 bucks, then once you pay off 600, they hold 200 in a reserve that's unlocked uh once you've made those good payments."
Correct
Car title loans will be a financial product available to individuals.
"It's a car title loan."
Correct
Car title loans will have a high interest rate of 35.49%.
"35.49% interest rate is crazy."
Correct
Advance America and Ace Cash will offer a payment plan for payday loans, while Speedy Cash and Cash Central will not.
"Speedy Cash and Cash Central do not offer that program, but Advance America and Ace Cash do offer that."
Pending
Advance America and Ace Cash will offer a payment plan for payday loans, which Speedy Cash and Cash Central will not.
"There's I don't think we've gone over it yet, but Speedy Cash and Cash Central do not offer that program, but Advance America and Ace Cash do offer that."
Pending
AI assistants in financial apps will be able to grant users approximately one-month extensions on payments if they indicate they cannot pay within two weeks.
"if you say that you can't make it in the next two weeks, the AI assistant basically says, "All right, when can you make it?" and it'll give you about a month."
Pending
A class action lawsuit will be filed against Credit One for predatory lending practices.
"There's a class action lawsuit going against Credit One right now, too, for the predatory tactics."
Correct
A variety of high-interest loans including car title loans and payday loans will continue to be prevalent, with some users unaware of their own accounts and subscriptions.
"This is a car title loan. Yes. Oh, baby. You got CL? Um, I did CLA for a flight. No. And Tik Tok Shop and Airbnb and Tik Tok Shop. You actual creature. You don't even remember. How [ __ ] up were you? Um, dude. Seriously? Yeah, I've I I didn't know I have a Tik Tok shop account."
Correct
A system will allow users to acknowledge an overdraft and then have 48 hours to cover the amount.
"I would acknowledge the overdraft which could happen, but then I'd have 48 hours to get that covered."
Pending
A financial score assessment will be available on calebhammer.com and dollarwise.com to help users understand their financial standing.
"If you want to see where you stick into the world of finances, take the financial score assessment at calebhammer.com or dollarwise.com."
Correct
The Dollar Wise budgeting app will be promoted, with strong warnings about its importance and the consequences of not downloading it, including a free trial offer.
"If you don't want to end up like a guest who comes on the show, make sure you download the Dollar Wise budgeting app today. If you ruin my plug, I will murder you. I will end your entire life. I will make sure that you there is no chance you even make it to the airport after this. You dumb little If you don't want to be like a dumb, download the Dowise budgeting app. Take the free trial."
Correct
A bundled educational program called Dollar Central will be offered at an 80% discount, covering various financial topics.
"Sign up for dollar central if you want all of our education bundled with it for 80% off. Wise.com."
Correct
A "Hammer Financial Score" will be implemented, with a hypothetical guest receiving a score of 0.5 out of 10.
"Hammer Financial Score, we're going to round you up to a.5 out of 10."
Unrated
A YouTube membership program called 'Hammer Elite' will offer exclusive content, including three shows posted Monday through Friday.
"Join Hammer Elite for the post show and get three exclusive shows posted Monday through Friday on the best YouTube membership in the history of the platform. Subscribe below or click that join button. I'll see you on the post show."
Correct
Costco will be offering an hourly wage of $30.
"I mean, Costco right now is at $30 an hour."
Incorrect
Casinos will offer well-paying music gigs, with pay ranging from $300 to $500.
"Yeah, they have a lot of well-paying casinos there too that also work out well, which were good for the music gigs. Those ones usually pay 300 to 500."
Correct
Rent in Arizona will be significantly low, around $475.
"It was $475."
Incorrect
Menthol cigarettes will be made illegal, categorized similarly to flavored vapes.
"They made menthol cigarettes illegal about a year and a half ago, they lumped them in with the flavored with the flavored uh vapes that the kids smoke"
Correct
An underground market for menthol cigarettes will exist, with sellers offering packs for $25 and a minimum purchase requirement of two packs.
"Yes. That is wild. I love how we always create industries where banners. And and I think it's worth noting that I when I was still working at that YouTube spot, there was a guy who would leave his business cards around because he sells menthols for $25 a pack in California and he'll only sell a minimum of two uh packs."
Correct
Some menthol cigarettes will contain higher levels of nicotine.
"And just uh some of them have more nicotine in them."
Pending
A banking app named Tilt (formerly Empower) will allow users to link their bank accounts and receive cash advances against their paychecks.
"I have empower tilt. Yeah, they they just switched over to the name Tilt from Empower, but it is a banking app that uh basically links with your bank account, watches what you get paid regularly, and then will cash advance you towards your paycheck."
Correct
A credit building card product will be available that requires users to pay back the full amount borrowed.
"This is madness. This is madness. Yes. And you owe 309 repaid zero. Shocker. Oh, but you have to pay the full thing."
Correct
Payday loans will carry an extremely high interest rate of 769%.
"This is a 769% interest rate. Is that a payday loan?"
Correct
Payday loans will operate on a subscription model, effectively charging users recurring fees indefinitely as they are likely to need to borrow again immediately after repayment.
"So, they just have unlimited money. They just get unlimited 9 18 bucks from you forever. It's uh you're on a subscription to them forever because the moment you pay this back, you need it."
Correct
AI assistants will be able to grant users about a month-long extension on payments if they state they cannot pay within two weeks.
"if you say that you can't make it in the next two weeks, the AI assistant basically says, "All right, when can you make it?" and it'll give you about a month."
Pending
Car title loans will require repayment of the borrowed amount plus a small premium, with a repayment period of six months.
"So, they gave me a $400 loan when I lent over my uh keyboard and tube amp. And then 6 months down the road, you pay $435 to get it back."
Correct
Car title loans will offer a four-month repayment term and an option to extend the loan for an additional four months by paying a $35 interest fee.
"This year it's down to four months, but you can also go in and pay that $35 interest if you can't pay the full amount on time. So you go in, if you can't pay $435, you pay 35 bucks and then you have another four months to either get the full amount."
Pending
High-interest, potentially predatory loans, colloquially referred to as 'shark loans,' will exist.
"But on the other side of that, the loan, the shark loans, I've always I was always told they were called shark loans, but those ones uh Yeah, they would be upwards of"
Correct
High-interest loans will have a repayment structure where a borrower receives $15,000 but is obligated to repay $24,000.
"So in total you would pay back about $24,000. You get $15,000"
Correct
Cultivating gratitude will be seen as a key factor in achieving happiness, even if it needs to be actively practiced.
"I got to show gratitude. I got to have gratitude. I mean, I try to force the gratitude and that's where this happiness kind of comes."
Correct
Self-hatred will be identified as a contributing factor to ongoing financial problems.
"because of the selfhatred that is present. Oh my,"
Correct
Bankruptcy will be presented as a potential solution for severe financial issues, but only after behavioral changes are made to prove budgeting capability.
"The real answer to this big guy The real answer to this is change your behavior to prove that you're actually able to budget and not completely mess up your life and then go through bankruptcy."
Correct
Debt consolidation will be an option to reduce monthly payments to approximately $200, allowing for a focused debt repayment strategy.
"or do a consolidation, get that payment on here and start and then you only have maybe $200 left on a monthly basis and you have to grind out your debt."
Pending
To address debt, individuals will need to take on evening jobs to increase income and make conscious choices to repay, as the financial feasibility exists.
"But you got to pick up an evening job, make more money, and pay off this debt. You can do this. This is a cycle of you making a choice at this point cuz the numbers actually do work."
Correct
Sperm donation will be discussed as a potential income-generating activity, with the caveat that it should only be pursued if the individual is indifferent to the process.
"Are you serious in regards to the like doing the donations as often as possible? Because that's something I've thought about. If you don't care, then sure. If you do, if you don't like it, then I don't want you to do it. But if you don't give a then sure,"
Correct
An individual may owe money to their parents, implying a history of financial reliance or enabling behavior.
"You owe money to your parents. I mean, I was taking advantage of them when I was a junkie. They enabled this [ __ ] How much do you owe to your parents?"
Pending
A 'Hammer Financial Score' will assign low scores across various categories: 0/10 for spending/budgeting and debt (even without collections), 0/10 for emergency fund, 2/10 for retirement (despite being 35), and 0/10 for real estate, resulting in an overall score of 0.5/10.
"Spending in a budget, uh, 0 out of 10. You over spent debt. This is like some of the worst debt ever without collections and I'm sure you have collections. Zero out of 10. Emergency fund. There's nothing. 0 out of 10. Retirement. Surprise. 35. still behind for retirement, but I'll give you a solid 2 out of 10 for that. Real estate zero out of 10. So, Hammer Financial Score, we're going to round you up to a.5 out of 10."
Pending