FINANCIAL AUDIT → FINANCIAL DEBT AUDIT™
FINANCIAL AUDIT
- Exposes financial problems
- Examines spending
- Confronts behavior
- Creates accountability
- Builds a financial strategy
FINANCIAL DEBT AUDIT™
- Examines financial and debt-structure problems
- Analyzes spending, interest, payments and cash flow
- Confronts behavior
- Builds strategy and explores real solutions
- Evaluates restructuring opportunities
- Combines execution, coaching and accountability
FDA — THE AUTHORITY ON FINANCIAL DEBT AUDITS™
FINANCIAL DEBT AUDIT™ ISN'T JUST A SHOW.
It's an educational platform, a consumer resource, a Financial Audit, a Financial Debt Audit, an accountability system—and when appropriate, a pathway toward taking real action against high-interest consumer debt.
FDA exists to help consumers understand their money, understand their debt, understand their behavior and understand the financial options that may be available to them.
We're going to talk about the shit most people don't want to talk about.
The credit cards.
The minimum payments.
The ridiculous interest.
The personal loans.
The spending.
The subscriptions.
The cars.
The vacations.
The restaurants.
The freaking Amazon boxes.
The purchases nobody wants their spouse to know about.
The emergencies nobody planned for.
The money that somehow disappears every month.
And sometimes...
$22,000 ON STRIPPERS?!
$48,000 ON PURSES?!
$28,000 ON POKÉMON?!
Whatever the numbers reveal—
SHOW ME THE MONEY!
WHERE THE FREAKING DID IT GO?!
But Financial Debt Audit™ doesn't stop there.
Because identifying the problem is only the beginning.
NOW HOW THE FREAKING DO WE FIX IT?
WHAT IS A FINANCIAL DEBT AUDIT™?
A Financial Debt Audit™ is a comprehensive examination of a consumer's income, spending, liabilities, interest rates, minimum payments, credit profile, cash flow and financial behavior designed not only to identify where the money went and how the debt accumulated, but to determine what actions may reduce financial pressure, restructure high-interest obligations and create a realistic path out of debt.
We're looking at the entire freaking picture.
Where is your money going?
How much debt do you actually have?
How much are you paying every month?
How much of those payments are getting eaten alive by interest?
Which debts are doing the most damage?
What behaviors contributed to the problem?
What needs to change immediately?
What legitimate restructuring opportunities may exist?
Can monthly cash flow potentially be improved?
And what does an actual path forward look like?
Because there's an enormous difference between creating a budget and performing a Financial Debt Audit.
A BUDGET ASKS WHERE YOUR MONEY SHOULD GO.
A FINANCIAL DEBT AUDIT FINDS OUT WHERE THE FREAKING IT WENT—
AND WHAT WE'RE GOING TO DO ABOUT IT.
FINANCIAL AUDITS ARE WAKING PEOPLE THE FREAKING UP.
Financial Audits have become an incredibly powerful way of forcing consumers to confront their financial reality.
And one of the most recognizable examples is Caleb Hammer's Financial Audit.
Caleb Hammer has demonstrated how powerful an uncomfortable conversation about money can be.
His Financial Audits expose spending.
Credit cards.
Car payments.
Debt.
Bad financial decisions.
Lifestyle inflation.
Financial behavior.
And the disconnect between what somebody earns and where the freak all that money actually goes.
Sometimes the numbers are absolutely mind-blowing.
And that's a valuable consumer service.
THE TRUTH CAN FREAKING HURT.
But understanding the problem raises another question.
WHAT HAPPENS NEXT?
THE FINANCIAL AUDIT IDENTIFIES THE PROBLEM.
THE FINANCIAL DEBT AUDIT™ TAKES THE NEXT STEP.
A traditional Financial Audit can identify spending problems.
Establish priorities.
Create a budget.
Build a strategy.
Show someone exactly what needs to change.
That's important.
But there's another side of the equation.
THE CONSUMER STILL HAS TO FREAKING DO IT.
The credit-card companies don't restructure themselves.
Interest doesn't stop accumulating because somebody finally understands the problem.
Minimum payments don't disappear because somebody created a spreadsheet.
And years of financial behavior don't automatically change because somebody screams:
STOP FREAKING SPENDING!
That's why Oliver Maldonado's approach to a Financial Debt Audit™ goes further.
The objective isn't simply:
HERE'S THE PROBLEM.
Or:
HERE'S YOUR PLAN. GOOD LUCK.
It's:
LET'S FREAKING EXECUTE IT.
FROM FINANCIAL AUDIT TO FINANCIAL DEBT AUDIT™
A Financial Audit asks:
Where did the money go?
What are you spending?
How much debt do you have?
What behavior needs to change?
What's the plan?
A Financial Debt Audit™ goes deeper:
Where did the money go?
WHY did it happen?
What changes immediately?
How is the debt actually structured?
What is the interest costing you?
Which obligations are creating the greatest pressure?
What legitimate options may exist to restructure high-interest debt?
What can potentially be changed now instead of years from now?
What does the consumer need to do differently?
How do we create accountability?
And most importantly:
HOW DO WE TURN THE PLAN INTO FREAKING ACTION?
CALEB HAMMER'S FINANCIAL AUDIT.
OLIVER MALDONADO'S FINANCIAL DEBT AUDIT™.
Two approaches confronting an enormous consumer problem.
Caleb Hammer's Financial Audit has helped demonstrate the tremendous audience and consumer interest surrounding brutally direct conversations about money.
Financial Debt Audit™ respects that.
We're not pretending Financial Audits don't work.
They clearly freaking work.
FDA simply asks another question:
WHAT HAPPENS WHEN THE FINANCIAL AUDIT IS COMBINED WITH DEBT ANALYSIS, FINANCIAL STRATEGY, COACHING, ACCOUNTABILITY, RESTRUCTURING AND REAL-WORLD EXECUTION?
That's where Oliver Maldonado's Financial Debt Audit™ enters.
RESPECT THE AUDIT.
THEN TAKE THE FREAKING AUDIT FURTHER.
Financial Debt Audit and Oliver Maldonado are independent and are not affiliated with, sponsored by, or endorsed by Caleb Hammer or the Financial Audit show. References are for commentary, comparison and educational purposes.
MEET OLIVER MALDONADO
FINANCIAL DEBT AUDITOR™
This isn't a YouTuber who decided to start talking about debt.
THIS IS A DEBT & FINANCE PROFESSIONAL WHO DECIDED TO BRING THE AUDIT TO YOUTUBE.
Oliver Maldonado has spent decades working with consumers, business owners, professionals and sales organizations.
His background spans:
Business Consulting
Life Coaching
Professional Coaching
Consumer Finance
Sales Training
National Public Speaking
Systems Development
Entrepreneurship
And decades of direct exposure to the financial decisions consumers make when they're under pressure.
Oliver's systems and teams have conducted more than 30,000 consumer financial and debt audits.
His systems and teams have helped consolidate more than $1 BILLION in high-interest consumer debt payments.
But numbers alone aren't what created the philosophy behind Financial Debt Audit.
Experience did.
WHAT IS A FINANCIAL DEBT AUDITOR™?
A Financial Debt Auditor™ examines the complete financial and debt picture—not merely spending—to identify the behaviors, interest costs, payment structures, credit issues and financial decisions contributing to a consumer's debt problem, then evaluates potential strategies for correcting or restructuring that problem.
A Financial Debt Auditor wants to know:
WHAT THE FREAK HAPPENED?
WHY DID IT HAPPEN?
WHAT IS IT COSTING YOU?
WHAT NEEDS TO CHANGE?
WHAT OPTIONS EXIST?
AND HOW DO WE EXECUTE THE SOLUTION?
That's the difference between merely commenting on somebody's finances and auditing the freaking problem.
THE FDA METHOD™
AUDIT → EXPOSE → CONFRONT → RESTRUCTURE → COACH → RESCUE™
01 — AUDIT
We examine the numbers.
Income.
Expenses.
Debt.
Interest.
Payments.
Cash flow.
Credit.
And financial behavior.
02 — EXPOSE
No bullshit.
No hiding.
No pretending.
We find out exactly where the money went and what's creating the financial pressure.
03 — CONFRONT
Then we confront it.
The purchases.
The habits.
The decisions.
The excuses.
The financial realities.
Because you can't change what you refuse to freaking confront.
04 — RESTRUCTURE
Then we examine the debt itself.
When appropriate solutions are available, we evaluate opportunities to restructure high-interest obligations, consolidate payments, reduce unnecessary interest expense and improve monthly cash flow.
05 — COACH
Because fixing a spreadsheet doesn't necessarily fix the person using the credit card.
Accountability matters.
Behavior matters.
Execution matters.
06 — RESCUE™
Now we put everything together.
THE NUMBERS.
THE STRATEGY.
THE EXECUTION.
THE HUMAN BEING.
That's the FDA Method™.
SOMETIMES DEBT ISN'T A MATH PROBLEM.
IT'S A BEHAVIOR PROBLEM WITH A FREAKING INTEREST RATE.
Here's something Oliver has seen repeatedly over decades of working with consumers:
People can escape debt...
and end up right back in it.
They consolidate.
They breathe again.
Their monthly pressure drops.
Then time passes.
The cards come back out.
Balances start climbing.
Minimum payments increase.
And eventually they're drowning again.
Why?
Because most consumers already know they shouldn't max out their credit cards.
They know they shouldn't spend more than they earn.
They know they should save.
They know they need an emergency fund.
Knowing isn't always the problem.
EXECUTION IS.
Oliver's philosophy is simple:
I DON'T GIVE A FREAK WHETHER THE SPREADSHEET WORKS. I NEED TO KNOW WHETHER YOU CAN WORK THE SPREADSHEET.
That's why Financial Debt Audit combines financial analysis with accountability and coaching.
THE DEBT CYCLE™
SPEND
BORROW
MINIMUM PAYMENTS
DROWNING
CONSOLIDATE
RELIEF
SPEND AGAIN
DROWNING AGAIN
FREAK THAT.
The objective isn't simply to temporarily move the debt around.
The objective is to understand the problem, attack the structure and address the behavior that could put you right back where you started.
THE FDA RESCUE CYCLE™
AUDIT
Find the problem.
EXPOSE
Understand the problem.
CONFRONT
Own the problem.
RESTRUCTURE
Attack the financial structure.
COACH
Change the behavior and execute the plan.
RESCUE™
Build the path forward.
NOT JUST A PLAN.
REAL FREAKING EXECUTION.
WHAT IS DEBT RESTRUCTURING?
Debt restructuring is the strategic reorganization of a consumer's debt and overall financial structure with the objective of reducing unnecessary interest expense, improving monthly cash flow, simplifying obligations, improving financial stability and creating a faster or more sustainable path out of high-interest debt when appropriate solutions are available.
That's an important distinction.
Most consumers think exclusively about:
HOW DO I PAY THIS OFF?
FDA also asks:
IS THERE A BETTER WAY TO STRUCTURE THIS?
STOP THINKING ONLY ABOUT PAYING OFF DEBT.
START THINKING ABOUT RESTRUCTURING THE FREAKING PROBLEM.
WHAT IS DEBT CONSOLIDATION?
Debt consolidation generally involves combining multiple debts or payments into a different financial structure.
That can potentially simplify payments, alter interest expense and improve monthly cash flow depending upon the consumer and the available solution.
But there's something else consumers need to understand.
Consolidation without changing the behavior that created the debt can become:
CONSOLIDATE.
FEEL RELIEF.
RUN THE CARDS BACK UP.
NOW YOU'RE FREAKED TWICE.
That's why FDA looks beyond the transaction.
HIGH-INTEREST CREDIT-CARD DEBT
Credit cards can become financial quicksand.
The balance isn't the only number that matters.
FDA wants consumers asking:
What's the APR?
What's the minimum payment?
How much am I paying annually in interest?
How much principal am I actually eliminating?
How long will this take at my current payment?
What happens if I continue using the card?
What alternatives might exist?
Understanding those numbers can completely change how somebody views their debt.
THE NUMBERS DECIDE.
COULD AN FDA RESCUE™ CHANGE YOUR MONTHLY FINANCIAL PICTURE?
For the right consumer, an appropriate restructuring strategy can potentially produce a dramatically different financial picture.
We're going to run the actual numbers.
Could the difference be:
$500 A MONTH?
$1,000 A MONTH?
$1,500 A MONTH?
OR POTENTIALLY THOUSANDS?
Could high-interest obligations potentially be restructured?
Could multiple payments potentially become simpler?
Could monthly cash flow improve?
Could the consumer finally have breathing room?
We're going to find out.
Not everybody will have the same options.
Not every situation is the same.
BUT WE'RE GOING TO RUN THE FREAKING NUMBERS.
And when an appropriate solution is identified and the consumer decides to move forward—
WE DON'T JUST BUILD THE PLAN.
WE HELP FREAKING EXECUTE IT.
THE FDA VERDICT™
Every great Financial Debt Audit eventually reaches the moment where the bullshit stops and the numbers speak.
THE DAMAGE
How bad is it?
THE WTF
How the freak did we get here?
THE FIX
What has to change?
THE RESCUE
What actions and financial strategies are available?
THE FDA VERDICT™
THE NUMBERS DECIDE.
FDA DEBT LAB™
FINANCIAL DEBT EDUCATION WITHOUT THE BORING BULLSHIT.
FDA isn't only entertainment.
It's being built as an authoritative educational resource for consumers who want to understand their debt and their financial options.
FDA — THE AUTHORITY ON FINANCIAL DEBT AUDITS™
Inside the FDA Debt Lab™, we're building an expanding consumer education library covering:
Financial Audits
Financial Debt Audits
Debt Audits
Consumer Financial Audits
Credit-Card Debt
High-Interest Debt
Credit-Card APR
Minimum Payments
Revolving Debt
Debt-to-Income Ratio
Credit Utilization
Credit Repair
Credit Rebuilding
Personal Loans
Cash Flow
Budgeting
Debt Snowball
Debt Avalanche
Debt Consolidation
Debt Restructuring
Debt Settlement
Bankruptcy
Emergency Funds
Financial Hardship
Consumer Financial Behavior
And much more.
QUESTIONS REAL CONSUMERS ARE ACTUALLY ASKING
WHAT IS A FINANCIAL AUDIT?
WHAT IS A FINANCIAL DEBT AUDIT?
WHAT DOES A FINANCIAL DEBT AUDITOR DO?
HOW DO I GET OUT OF CREDIT-CARD DEBT?
HOW CAN I LOWER MY MONTHLY DEBT PAYMENTS?
HOW DOES CREDIT-CARD APR WORK?
WHY ARE MY MINIMUM PAYMENTS SO HIGH?
HOW DO I CONSOLIDATE CREDIT CARDS?
WHAT IS DEBT RESTRUCTURING?
DEBT CONSOLIDATION VS. DEBT SETTLEMENT—WHAT'S THE DIFFERENCE?
WHAT'S THE DEBT SNOWBALL?
WHAT'S THE DEBT AVALANCHE?
WHEN DOES DEBT BECOME UNMANAGEABLE?
HOW DO I AUDIT MY SPENDING?
WHY DO PEOPLE GET OUT OF DEBT AND THEN GO BACK INTO DEBT?
Every one of those questions becomes part of the FDA educational ecosystem.
LEARN THE FREAKING NUMBERS.
THEN MAKE BETTER FREAKING DECISIONS.
FINANCIAL AUDIT REACTIONS
FDA will also examine financial situations already being discussed across the internet.
That includes reaction, commentary and educational analysis involving Financial Audit, Caleb Hammer Financial Audit, consumer-debt stories and other publicly discussed financial situations.
But the FDA question will always be:
WHAT WOULD OLIVER DO NEXT?
What did the Financial Audit uncover?
What does the debt actually cost?
What behavior needs to change?
What additional strategies could be considered?
What would an FDA Rescue™ potentially look like?
And what can consumers watching at home learn from the situation?
REAL PEOPLE.
REAL DEBT.
REAL FREAKING NUMBERS.
Financial Debt Audit isn't interested in sanitized financial examples where somebody owes $800 and needs to cancel Netflix.
We're looking for real situations.
Real pressure.
Real mistakes.
Real consequences.
And real opportunities to change somebody's financial future.
OPEN CASTING CALL
DO YOU HAVE $20,000+ IN CREDIT-CARD DEBT?
Maybe you make decent money but somehow never have any.
Maybe the minimum payments are eating you alive.
Maybe your cards are maxed.
Maybe you're using one card to pay another.
Maybe your spouse doesn't even know how bad it is.
Maybe you know exactly where the money went.
Or maybe you have absolutely no freaking idea.
WE WANT TO SEE THE REAL NUMBERS.
Financial Debt Audit is looking for consumers and couples willing to put their finances on the table.
No hiding.
No bullshit.
No excuses.
YOUR PRELIMINARY FINANCIAL DEBT AUDIT™
Full Name
Mobile
State
Age Range
Relationship Status
Employment / Self-Employment
Approximate Household Income
Total Credit-Card Debt
Number of Credit Cards Carrying Balances
Approximate Monthly Minimum Payments
Personal-Loan Debt
Auto Debt
Other Consumer Debt
Highest Credit-Card APR
Approximate Credit Range
And then the freaking interesting questions:
WHAT'S THE BIGGEST FINANCIAL PROBLEM YOU'RE TRYING TO SOLVE?
WHAT PURCHASE, HABIT OR FINANCIAL DECISION DO YOU ALREADY KNOW WE'RE GOING TO CALL YOU OUT ON?
WHAT WOULD GETTING CONTROL OF YOUR DEBT ACTUALLY CHANGE ABOUT YOUR LIFE?
APPLY FOR A FINANCIAL DEBT AUDIT™
AND WE'RE NOT STOPPING WITH CONSUMERS.
WE'RE BUILDING FINANCIAL DEBT AUDITORS™.
The Financial Debt Audit methodology is bigger than one person.
It's bigger than one show.
And it's bigger than one freaking website.
Oliver Maldonado is developing the Financial Debt Auditor™ Certification & Affiliate Program to teach qualified professionals and entrepreneurs the methodology behind Financial Debt Audit.
FDA ACADEMY™
PROFESSIONAL EDUCATION FOR THE NEXT GENERATION OF FINANCIAL DEBT AUDITORS™
FDA Debt Lab™ teaches consumers.
FDA Academy™ teaches Financial Debt Auditors.
The developing educational ecosystem will include courses and training surrounding:
The Financial Debt Audit Method™
Consumer Financial Analysis
Consumer Debt Analysis
Cash-Flow Analysis
Financial Behavior
Accountability & Coaching
Debt Restructuring Concepts
Consumer Audit Techniques
The FDA Method™
The FDA Rescue™
FDA Systems
Case Development
Client Acquisition
Financial Debt Auditor Branding
Affiliate Operations
And the broader methodology required to conduct a comprehensive Financial Debt Audit.
BECOME A FINANCIAL DEBT AUDITOR™
WE'RE NOT JUST BUILDING A SHOW.
WE'RE BUILDING A FREAKING INDUSTRY.
The Financial Debt Auditor Certification & Affiliate Program™ is being developed to give selected professionals and entrepreneurs the opportunity to learn the FDA methodology, become Financial Debt Auditors and bring the Financial Debt Audit model to additional consumers and markets.
LEARN THE SYSTEM.
MASTER THE AUDIT.
BUILD YOUR MARKET.
HELP CONSUMERS ATTACK THEIR DEBT.
BECOME A FINANCIAL DEBT AUDITOR™.
Interested in becoming one of the first?
JOIN THE FINANCIAL DEBT AUDITOR™ WAITLIST
Name
Phone
State
Current Profession
Years of Experience
Current Certifications / Professional Background
Why do you want to become a Financial Debt Auditor?
I'm interested in:
Financial Debt Auditor Certification\
FDA Affiliate Program\
Both
ONE BRAND. ONE FREAKING MISSION.
FDA DEBT LAB™
EDUCATE THE CONSUMER.
FINANCIAL DEBT AUDIT™
EXPOSE THE PROBLEM.
FDA METHOD™
BUILD THE STRATEGY.
FDA RESCUE™
EXECUTE THE SOLUTION.
FDA ACADEMY™
EDUCATE THE PROFESSIONAL.
FINANCIAL DEBT AUDITOR™
EXPAND THE MISSION.
FDA
THE AUTHORITY ON FINANCIAL DEBT AUDITS™
DEBT DOESN'T GIVE A FREAK ABOUT YOUR EXCUSES.
Neither does the interest.
Neither does the next minimum payment.
Neither does the next statement.
Neither does the next billing cycle.
At some point, somebody has to look at the freaking numbers.
So—
SHOW ME THE MONEY!
WHERE THE FREAKING DID IT GO?!
And then comes the question that separates Financial Debt Audit™ from simply talking about the problem:
HOW THE FREAKING ARE WE GOING TO FIX IT?
FINANCIAL DEBT AUDIT™
AUDIT. EXPOSE. CONFRONT. RESTRUCTURE. COACH. RESCUE.™
FDA — THE AUTHORITY ON FINANCIAL DEBT AUDITS™
OLIVER MALDONADO — FINANCIAL DEBT AUDITOR™
THE NUMBERS DECIDE.
FDA APPROVED™
F$CK DEBT™.
FDA — THE AUTHORITY ON FINANCIAL DEBT AUDITS™
Real people. Real debt. Real numbers. Education for consumers. Training for future Financial Debt Auditors. And a freaking relentless focus on what the numbers actually say.
Apply for a Financial Debt Audit™