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[167.89.80.227]) by mx.google.com with ESMTPS id d75a77b69052e-5148e64d4aesi183161391cf.34.2026.05.12.15.01.24 for (version=TLS1_3 cipher=TLS_AES_128_GCM_SHA256 bits=128/128); Tue, 12 May 2026 15:01:24 -0700 (PDT) Received-SPF: pass (google.com: domain of bounces+51424469-f9dc-tjphuhs=gmail.com@ckespa.calebhammer.com designates 167.89.80.227 as permitted sender) client-ip=167.89.80.227; Authentication-Results: mx.google.com; dkim=pass header.i=@calebhammer.com header.s=cka header.b=fI5+bKhT; dkim=pass header.i=@sendgrid.info header.s=smtpapi header.b=gY1XCAPW; spf=pass (google.com: domain of bounces+51424469-f9dc-tjphuhs=gmail.com@ckespa.calebhammer.com designates 167.89.80.227 as permitted sender) smtp.mailfrom="bounces+51424469-f9dc-tjphuhs=gmail.com@ckespa.calebhammer.com"; dmarc=pass (p=QUARANTINE sp=QUARANTINE dis=NONE) header.from=calebhammer.com DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=calebhammer.com; h=content-type:date:from:mime-version:subject:feedback-id: list-unsubscribe:list-unsubscribe-post:to:cc:content-type:date:feedback-id:from: subject:to; s=cka; t=1778623283; bh=MvZiZIhqh5F4y9f7bo47kyQqk1D6qfWmjpkOYUSzJgo=; b=fI5+bKhTIHlzowQlSMWrjXt0SBoE7ZNy7e4XmhAJFwCbu2yRWN+n9osT960d2Xx7p68V 8zk08sMNvQDm5iYbQchx/zt4l1OL+U7yPKNWVjVg8Lr4OWouDOndt2uPCUS6OjtL3K3vGE w5bDSNQAFUz2gZP2/GaEnYW55M5By9i5M= DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=sendgrid.info; h=content-type:date:from:mime-version:subject:feedback-id: list-unsubscribe:list-unsubscribe-post:to:cc:content-type:date:feedback-id:from: subject:to; s=smtpapi; t=1778623283; bh=MvZiZIhqh5F4y9f7bo47kyQqk1D6qfWmjpkOYUSzJgo=; b=gY1XCAPWzxizzaN8TEI5i3T5aX1v+9fTglmkUXMfkZP2kV3CjRZ+FF7WDfQKh+G44DfG soO4jo6o/kv5PBnX8dCATbgdMQVk+wP+XDRefYMkNySEW1M8n6fNaCCHR9CvB+BgGwoW1T zSriOR64elIAiq94nbzVJTTvBj12FossY= Received: by recvd-7884fc6dc4-tstdm with SMTP id recvd-7884fc6dc4-tstdm-1-6A03A332-19A 2026-05-12 22:01:22.532352311 +0000 UTC m=+1211241.665704601 Received: from NTE0MjQ0Njk (unknown) by geopod-ismtpd-115 (SG) with HTTP id smazEwauTPKM5zWHcQJ3wA Tue, 12 May 2026 22:01:22.513 +0000 (UTC) Content-Type: multipart/alternative; boundary=29111eb4871b9a13473e0a2e2e6fb898c0cfa31934216092de1ded238899 Date: Tue, 12 May 2026 22:01:23 +0000 (UTC) From: Caleb Hammer Mime-Version: 1.0 Message-ID: <92u47w30l9cnh6mndk6i9hzq0gv4kfwhzmp89@convertkit-mail4.com> Subject: =?UTF-8?B?8J+Rkw==?= Doing THIS is costing you millions. Literally. Feedback-ID: 21736514:2198137:broadcast:CK List-Unsubscribe: , =?us-ascii?Q?=3Chttps=3A=2F=2F733480cc=2Eunsubscribe=2Econvertkit-mail4=2Ecom=2F92u47w30l9c?= =?us-ascii?Q?nh6mndk6i9hzq0gv4kfwhzmp89=3E?= List-Unsubscribe-Post: List-Unsubscribe=One-Click Precedence: bulk X-Report-Abuse: X-Report-Spam: X-SG-EID: =?us-ascii?Q?u001=2E4ZNMMKGUAkmgrQHnUDLMvpyKCuMuaUqq1cf4U=2Fj3iXXF98ESH=2Fnl=2FY8WE?= =?us-ascii?Q?Gb0qZA9hoHpN2FMD8EWoBld2bUMQYufLQub2wkZ?= =?us-ascii?Q?HDDp3VgEXci8EN835sBKIdaz5ta2ND0LuFYVydN?= =?us-ascii?Q?4qQjCpMrRmnO17ijmOIus1YU3RdEaKgdpUdqYiH?= =?us-ascii?Q?nhbOHmBjoTnSmdt1mct791fo8Cc5b9m2uL7uFsi?= =?us-ascii?Q?DPP2Bz9KQPnmEgsoeI0M6u9QDRY1k3d0F7SA7p9?= =?us-ascii?Q?rxSq?= X-SG-ID: =?us-ascii?Q?u001=2ESdBcvi+Evd=2FbQef8eZF3BpTL9BgbK5wfSJMJGMsmprBTLquV1ImzFIrgT?= =?us-ascii?Q?SaJ3+RZUMLaPAc+YRNTk48uZXF5xDC08N9cmDmI?= =?us-ascii?Q?CYhQlwWZWVJe8NjTc04bWjL1xiEW9QYrgjJpzq6?= =?us-ascii?Q?IUkmyORDuaNsRfHCZ9imFb+BbjoPyLXp1zyJ2Jx?= =?us-ascii?Q?KSFk599egDkK6xj4=2FOedPbk0Ua=2FiSMdY9SyTzM3?= =?us-ascii?Q?j2yo0kFZLuD5hl8ujqsxC3X2yF1QMFROu1O6cNX?= =?us-ascii?Q?ZbI413Yi8cSTvn8nOC1ouO0WY7tG13cC96POo+v?= =?us-ascii?Q?WiicsT1ZyMhi40NL5eiBc0GqOBf7F2Z8yV=2FGqBT?= =?us-ascii?Q?5w5gx5LSbnIvst3oe5KbFdSdiUEQq=2Fm6hZQ04JM?= =?us-ascii?Q?A9J9kr49ESVcgP1wCp6SxT0dP+zKP4X6uymmfTS?= =?us-ascii?Q?=2FcS3sIv6nGC6LrK+R+E=3D?= To: tjphuhs@gmail.com X-Entity-ID: u001.Tdt+XvumLIiCaN+jsLs8lg== --29111eb4871b9a13473e0a2e2e6fb898c0cfa31934216092de1ded238899 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset=utf-8 Mime-Version: 1.0 ********** THE HAMMER ********** Breaking Down Money, Building Up Wealth. We need to talk about the INSANE opportunity cost of your taquito spending. (And for anyone a little newer, taquitos =3D BULLSHIT. Keep up.) I read a story about this 19-year-old who dropped $92,000 on in-game skins for League of Legends. $92,000! And then he gets banned for being toxic in the chat, and loses the account. You know, the one with almost six-figures of skins on it. me rn What blows my mind, is If he had just taken that $92,000 at age 19 and invested it into the overall stock market, by the time he retired 40 years later, it would have been worth $2.3 million. Instead, he has literally nothing to show for it because he couldn=E2=80=99t keep it PG-13 on the chat. Dumbass. But=E2=80=A6 I guess I can=E2=80=99t really blame the guy too much. (Except for being toxic. That shit=E2=80=99s easy to avoid.) No, what I never shame anyone for, is NOT knowing how to invest. It=E2=80=99s kinda scary. All these crazy terms and acronyms. Not to mention, math! Terrifying. Which is why when anyone asks me for advice, I always encourage them to do two things: * Start putting your extra money into a HYSA (High Yield Savings Account)=E2=80=8B =E2=80=8B * Get any =E2=80=9Cfree=E2=80=9D money you can What do I mean by free money? chill, imma tell you... Things like calling your internet provider to make sure you aren=E2=80=99t missing any savings, responsibly taking advantage of cash-back programs, and making sure your employer match is maxed out on your 401K. Basically any time you can get money for doing things you were already doing, it=E2=80=99s =E2=80=9Cfree.=E2=80=9D But if you=E2=80=99re just starting out and you need a solid foundation, you should check out my newsletter sponsor: Chime. Chime is an online banking app that helps you get ahead. No monthly fees, no minimum balance requirements, and you can even get paid up to two days early with direct deposit. It's a great tool to keep your money safe and watch it grow in one of their HYSA=E2=80=99s. And when you sign up using THIS LINK ( https://733480cc.click.convertkit-mail4.com/92u47w30l9cnh6mndk6i9hzq0gv4kfw= hzmp89/z2hghnhexzdvqlup/aHR0cHM6Ly9zZWN1cmUubW9uZXltYXRjaHVwLmNvbS9jaGltZS1= jYWxlYi1uZXdzbGV0dGVy ), Chime will give you $200 deposited directly in your account. #FREEMONEY No matter what you do, remember that those dumb purchases today could have made you literal millions if you=E2=80=99d invested it instead. So go check your budget and stop spending your future millions on bullshit. Taquitos, Caleb =E2=80=9CFree Money=E2=80=9D Hammer P.S. In case you missed it, I'm running a huge sale right now. But the clock's ticking and time is running out. we didn't You've only got three days left to grab the Summer Budget Reset. That=E2=80=99s a full year of Dollarwise, my 4-course financial education bundle, and the budget-friendly cookbook. For just $249. That's over 67% OFF, but it goes away on May 15. Three days. If you've been on the fence, here's the simplest way I can put it: Summer is coming whether you're financially ready for it or not. The question is whether you show up to it with a plan or show up hoping for the best. The people who=E2=80=99ve already grabbed this aren't smarter than you. They're not in a better financial position than you. They just decided to stop waiting for the perfect moment and made the move. You can do the same thing. Right now. Three days left. =E2=80=8B[Claim your Summer Budget Reset here =E2=80=94 before May 15] ( https://733480cc.click.convertkit-mail4.com/92u47w30l9cnh6mndk6i9hzq0gv4kfw= hzmp89/p8heh9h4oe70npbq/aHR0cHM6Ly9nby5kb2xsYXJ3aXNlLmNvbS9zdW1tZXItZGVhbC0= y )=E2=80=8B =E2=80=8B =E2=80=8B =E2=80=8B =E2=80=8B =E2=80=8BUnsubscribe ( https://733480cc.unsubscribe.convertkit-mail4.com/92u47w30l9cnh6mndk6i9hzq0= gv4kfwhzmp89 ) =C2=B7 Preferences ( https://preferences.convertkit-mail4.com/92u47w30l9cnh6mndk6i9hzq0gv4kfwhzm= p89 )=E2=80=8B =E2=80=8B --29111eb4871b9a13473e0a2e2e6fb898c0cfa31934216092de1ded238899 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=utf-8 Mime-Version: 1.0
lil' present for you inside btw =E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= =80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2=80=87=CD=8F=E2= 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=

THE HAMMER

Breaking Down Money, Building Up Wealth.

=

We need= to talk about the INSANE opportunity cost of your taquito spending.

(And fo= r anyone a little newer, taquitos =3D BULLSHIT. Keep up.)

I read = a story about this 19-year-old who dropped $92,000 on in-g= ame skins for League of Legends.

$92,000= !

And then he gets banned for being toxic in the chat, and loses the account= .

You kno= w, the one with almost six-figures of skins on it.

3D""
me rn

What bl= ows my mind, is If he had just taken that $92,000 at age 19 and invested it= into the overall stock market, by the time he retired 40 years later, it w= ould have been worth $2.3 million.

Instead= , he has literally nothing to show for it because he couldn=E2=80=99t keep = it PG-13 on the chat.

Dumbass= .

But=E2= =80=A6

I guess= I can=E2=80=99t really blame the guy too much.

(Except= for being toxic. That shit=E2=80=99s easy to avoid.)

No, wha= t I never shame anyone for, is NOT knowing how to invest.

It=E2= =80=99s kinda scary.

All the= se crazy terms and acronyms.

Not = to mention, math!

Terrify= ing.

Which i= s why when anyone asks me for advice, I always encourage them to do two thi= ngs:

  1. Start putting your extra money into a= HYSA (High Yield Savings Account)=E2=80=8B
    =E2=80=8B
  2. Get any =E2=80=9Cfree=E2=80=9D money = you can

What do= I mean by free money?

3D""
chill, imma tell you.= ..

Things = like calling your internet provider to make sure you aren=E2=80=99t missing= any savings, responsibly taking advantage of cash-back programs, and makin= g sure your employer match is maxed out on your 401K.

Basical= ly any time you can get money for doing things you were already doing, it= =E2=80=99s =E2=80=9Cfree.=E2=80=9D

But if = you=E2=80=99re just starting out and you need a solid foundation, you shoul= d check out my newsletter sponsor: Chime.

Chime i= s an online banking app that helps you get ahead.

No mont= hly fees, no minimum balance requirements, and you can even get paid up to = two days early with direct deposit.

It's a = great tool to keep your money safe and watch it grow in one of their HYSA= =E2=80=99s.

And whe= n you sign up using THIS LINK, Chime will give you $200 deposited directly = in your account.

#FREEMO= NEY

No matt= er what you do, remember that those dumb purchases today could have made yo= u literal millions if you=E2=80=99d invested it instead.

So go c= heck your budget and stop spending your future millions on bullshit.

Taquito= s,

Caleb =E2=80=9CFree Money=E2=80=9D Hammer

P.S. In case you missed it, I'm running a huge sale right now.

But the= clock's ticking and time is running out.

3D""
we didn't

You've = only got three days left to grab the Summer Budget Reset.

That=E2= =80=99s a full year of Dollarwise, my 4-course financial education bundle, = and the budget-friendly cookbook.

For jus= t $249.

That's = over 67% OFF, but it goes away on May 15.

Three days.

If you'= ve been on the fence, here's the simplest way I can put it:

Summer = is coming whether you're financially ready for it or not.

The que= stion is whether you show up to it with a plan or show up hoping for the be= st.

The peo= ple who=E2=80=99ve already grabbed this aren't smarter than you.

They're= not in a better financial position than you.

They ju= st decided to stop waiting for the perfect moment and made the move.

You can= do the same thing.

Right n= ow.

Three d= ays left.

=E2=80= =8B[Claim your Summer Budg= et Reset here =E2=80=94 before May 15]=E2=80=8B

=E2=80= =8B
=E2=80=8B

=E2=80= =8B
=E2=80=8B

=E2=80= =8BUnsubscribe =C2=B7 Preferences=E2=80=8B

=E2=80=8B
3D"" --29111eb4871b9a13473e0a2e2e6fb898c0cfa31934216092de1ded238899--