How To Stop Living Paycheck-To-Paycheck (Without Getting A Second Job)

Рет қаралды 138,456

Күн бұрын

💵 Create a free Budget - Sign up for EveryDollar today! ter.li/ubldyt
How To Stop Living Paycheck-To-Paycheck (Without Getting A Second Job)
Right now, nearly 8 out of 10 people are living paycheck to paycheck. Womp womp. So today, I’m looking at how we got here and sharing practical tips to help you break the cycle.
Links:
Make Your Brain Your Friend Today With BetterHelp: www.betterhelp.com/george
Learn more about Ramsey financial coaching: www.ramseysolutions.com/ramse...
George Kamel is a personal finance expert and co-host of The Ramsey Show. Following Ramsey’s proven money plan, George went from negative net worth to a millionaire in under 10 years. His goal is to help people spend less, save more, and avoid money traps so they can live a life with more margin, options and freedom.
This channel will simplify complex money topics, bust money myths with actual facts, and debunk the stupid financial advice you're seeing in your social media feed. All with a healthy dose of pop culture, humor, and snark.

Пікірлер: 327

@andrealuneau2050 9 ай бұрын

Almost to the end of my no spend October. I have saved over $400 dollars.

@emanuelbandrabur5338 9 ай бұрын

Every month have a survival week, where you raid your pantry and cook whatever is in there. You'll spend 0 money on groceries and throw away less food. 😉

@pnwflipper2089 5 ай бұрын

I break this up over the month to two days a week. We only meal plan 5 meals a week and the other 2 days we are making-do with what we’ve got!

@greg6379 3 ай бұрын

@@pnwflipper2089 I like it. My pantry is stocked but we rarely tap it.

@greg6379 3 ай бұрын

Good idea! Lots of Kraft Dinner and canned meats and veggies that rarely get used, but that's a meal.

@brianadams6204 2 ай бұрын

Thats an AWESOME idea we are going to start doing that. THANK YOU.

@PaulKatrina. 2 ай бұрын

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

@Michaelparker12 2 ай бұрын

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

@CraigLloyd-fz6ns 2 ай бұрын

This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

@bernadofelix 2 ай бұрын

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

@SandraDave. 2 ай бұрын

wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

@EddyAgnes-vy4kp 2 ай бұрын

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?

@cheriseking3843 9 ай бұрын

This came at the right time...not everyone can get a second job. I work 24 hour shifts...and I'm exhausted with 2 small kids.....I'm trying all of these...THANK YOU

@Mr_T817 9 ай бұрын

How is that even possible that you work 24 hours shift?!

@cheriseking3843 9 ай бұрын

@@Mr_T817 I get days off I between but it's from morning til the next morning ..but it's exhausting when u boarding on 5hrs rest at work and even when I'm at home due to the kids

@Mr_T817 9 ай бұрын

@@cheriseking3843 wow that is crazy! And not good for your overall health. Your kids need you long term and healthy.

@cheriseking3843 9 ай бұрын

@@Mr_T817 I'm trying but my job which is also working with kids is alot mentally and physically...

@tcshy1903 9 ай бұрын

I live way below my means but it hasn't always been this way. I made way less money before 2020. I had no emergency fund, so if I blew a tire I put it on a CC. I completely turned things around by digging in and attacking debt. I got a side job and paid off high cost revolving debt. I paid off the car. I'm in no hurry to buy another one.

@ogre706 9 ай бұрын

@GeorgeKamel-_- Why don't you find something more productive to do than trying to take people for a ride by using a fake screen name?

@knowledgeispower36 9 ай бұрын

I love paying with cash , I just wish the cashiers would stop looking at it like it has some sort of plague on it

@orphancharmander1168 9 ай бұрын

It has, they cant control who you got it from, where you got it, and were you spend it, they dont like that 👀 That is why we must keep using it, and resist there digital bullshit 👍🏻 Gold, Silver and Cash is the way, we fight ❤️

@tomenow8 9 ай бұрын

In fairness to them, any cash not freshly printed is absolutely disgusting

@richardle7469 9 ай бұрын

Because cashier can't do math lol. They type it in and it tells them answer

@clwest3538 9 ай бұрын

@@richardle7469 Agreed! Love it when cashier says, "... oh, you gave me too much money ..." My bill $6.50 - I hand her $12.00 ... she was so confused ... I sweetly said, just put that amount in your computer .... she was surprised when it said change $5.50 ... I said, I didn't want a bunch of $1s .... she looked at me like I was doing magic - I smiled and said, "... see, math can be fun ..." ... but I'm old so can get away with that ......

@Yokidasan 9 ай бұрын

It's the math they have to do. Lots of kids dont know how...I have had no issues anywhere else besides some kids who don't understand basic math

@TheLifeOfaBichon 9 ай бұрын

Every 4th week of the month. I get to save 100% of my paycheck. I save a perfect template month $1,065. Been following Dave Ramsey since 2020. Just bought my wife a $30 gift she will love. All because I know how money works.

@SKBottom 6 ай бұрын

Beast mode. 👍💥😎

@DCFotographs 9 ай бұрын

As a car guy who works on my own vehicle, the car analogy killed me lol. George, you are hands down my favorite Finance channel. I have been improving my finances over these last 3 months of watching. Nothing record breaking but man it's nice to know that when I get paid on Friday, it's not all gone by Monday lol

@CliveBirse 5 ай бұрын

The advice in this video is valuable for the typical American. I started investing when I was 30 back in 1998. Today, I have a decent $3.7M nest egg, thanks to the careful supervision of my CFP. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.

@mariaguerrero08 5 ай бұрын

This is still a window-shopping market. But there are a lot of intriguing stocks to watch from a variety of sectors. You don’t have to act on every forecast, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

@ThomasChai05 5 ай бұрын

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

@mikegarvey17 5 ай бұрын

@@ThomasChai05impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

@ThomasChai05 5 ай бұрын

Credits to "Gertrude Margaret Quinto", she maintains an online presence. Just make a simple search for her name online.

@Susanhartman. 5 ай бұрын

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

@FullaEels 9 ай бұрын

creating a direct debit to transfer cash to your savings as soon as you get paid is such a great tip. i managed to save around £1600 in a year working a terrible minimum wage job, simply by using a direct debit to transfer a chunk on the 1st of each month, and a smaller chunk each week. the weekly amount was about as much as i would've spent on food delivery on the weekends. those savings really helped when i left my job and couldnt find another

@kimberleyfleming6739 9 ай бұрын

Great content, George. I'm up to my 3rd No Spend Month! I absolutely love it. My bank account has never looked so good.

@TheMusiclover13100 8 ай бұрын

Goals!! I wanna do this

@MarkRizzoTheDragonWizard 9 ай бұрын

George your writers and editors are absolutely phenomenal. Please tell them that when you see them next. I know you have a bunch of your own personal witt in there because you're just an unbelievably witty and intelligent individual but I know these writers and editors must be really making you look really good too. Keep up the great work. And I hope to meet you soon <a href="#" class="seekto" data-time="585">9:45</a>

@wyattandwill12 9 ай бұрын

Step 1. Stop eating out I got over an addiction that took up a lot more of my money and then I replaced part of it with that and other bad spending habits 🤦🏻 But fortunately we’re understaffed at work and the owner specifically said I’m gonna be getting a lot of over time for a bit. I can get over my bad spending habits, get my emergency fund back, then get on the road to triumph and financial betterness.

@wyattandwill12 9 ай бұрын

@@cocoa88 For sure! As Dave says, it’ll feel like you got a raise

@Johnny-se8hk 9 ай бұрын

I’d be retiring/working much less in 5 years, curious to know best how people split their pay, how much of it goes into savings, spendings or investments? I earn about $150k per year, but nothing significant to show for it yet.

@heatherholdings 9 ай бұрын

consider financial planning, never can tell what the future holds

@M.Morgan 9 ай бұрын

I’m quite lucky exposed to personal finance at early age, started full time job at 19, purchased first home 28, got laid-off work 36 during covid-outbreak, at once I consulted a very well qualified advisor to stay afloat, and thankfully, I'm only 25% short of my first $1m after subsequent investments to date.

@M.Morgan 9 ай бұрын

Can't divulge much here, the advisor that guides me is 'Katherine Nance Dietz' a renowned figure in wealth management with over two decades of experience, you should most likely find her basic info on the internet, she's well established.

@Skye-xl5lx 9 ай бұрын

thank you @maisemorgan for putting this out, it has rekindled the fire to my goal... curiously copied and pasted her full name on my browser, spotted her site first thing, and was able to send a message across, she seems very proficient

@heathermetz6576 9 ай бұрын

<a href="#" class="seekto" data-time="535">8:55</a> “Future needs more important than your Current wants.”

@LeMErin21 9 ай бұрын

Shop your pantry at the end of every month so you’re not wasting food/money. Withdraw $20 in cash each time you’re paid and put it in a piggy bank you have to break to get into 😄 Do your first no spend month in February.

@JWEATHERSBY 9 ай бұрын

Great listing of solid tips! It still blows my mind that we don't teach personal finance as a required course (with at least two levels - e.g., a 101 & 201 level requirement at a minimum) in schools. The paycheck to paycheck lifestyle for many is also a factor of "cost of living vs. relatively low pay" for some, but - at its root - a lack of basic financial education for many/most.

@azteca6695 9 ай бұрын

My friend husband works in the oilfield. He makes GOOD MONEY. and she worked also (4 kids) But they always lived paycheck to paycheck. Going on trips, buying brand new vehicles, expensive jewelry, extravagant parties. "Lending" money to her siblings. They never paid her back.

@kentmill5463 9 ай бұрын

Trips really kill people budget all for the YOLO mindset smh

@FourFourSeven 9 ай бұрын

Just.......yuck. Massive lifestyle creep right there. Why can't **I** work in an oil field?

@kellybeaulieu4723 2 ай бұрын

The trips 😂make me lol most of the time for major holidays with babies-toddler ages…..that won’t remember

@May-qb3vx 9 ай бұрын

I set my direct deposit up to split months ago. So great. And I have a HYSA at a completely different bank from my checking. Not as easy to pull from it.

@dkstudioart 9 ай бұрын

George hit the nail on the head, this is not an income issue, it's a behavior/mindset issue. I remember living paycheck to paycheck, what an awful life that was but I thought it was normal, finally I got smart, got on a budget, cut the cards and learned to live on less than I made, life became much less stressful.

@Olivia-2019 9 ай бұрын

I do no spend months 3 times a year and also cut all necessary expenses to bare minimum. I do fridge/freezer/pantry clear outs and try to only purchase produce. I’m always surprised by what I forgot I had in the back that I’d forgotten about

@chrisforker7487 9 ай бұрын

Absolutely best YT personality! I think your style connects with virtually anyone.

@tcgtpl 9 ай бұрын

@<a href="#" class="seekto" data-time="344">5:44</a> Automatic payments makes everything so much easier. You can automate paying your regular bills (utilities, phone, internet, mortgage/rent, credit cards, etc.) and investments, which can force you to be responsible with your money without even thinking about it.

@CrankyGeek 9 ай бұрын

I’m currently retired/on disability. I may try this because I know there are places in our budget we can cut so this challenge is not necessarily a bad idea.

@MomoHitsujiOwO 9 ай бұрын

Let us know how it goes! 😊

@tpolarbeart 9 ай бұрын

I can see how people making 100k could be pay check to pay check. Take for example someone in California that lives multiple hours from the city to live cheaper. Their budget would be if they were frugal with no debt as follows. 100k goes to 50k after taxes that's including 15% to retirement and health insurance. That is just under $4200 a month. Rent would be around 2600. Utilities, water, garbage, would $500 if they don't use much electricity. Gas to commute the 2 hours each way would easily be $500. Insurance, registration, bridge and maintenance easily $400 Food at the cheap grocery store : $600 Cheap phone bill for 2 would be $50 Household items, personal care including haircut. $100 That comes out to $4750 out and only $4200 in. Which means they would need a side hustle just to live paycheck to paycheck.

@marnasorensen988 9 ай бұрын

I'm new here, but would sure appreciate tips for retired, widowed seniors. The cost of living, how to economize and avoid scams etc. Thank you.

@memehamp6006 9 ай бұрын

Don’t answer emails or answer phone if you don’t know the person. You can’t save the world and it’s not going to end so no to them asking for financial help. Draining you.

@lisadearing5960 5 ай бұрын

My husband just retired in November. I still work because I’m only 59. Since his income is solely social security, one of the first things we did was put our electric bill on budget billing. Several winters we’ve gotten hit with $400-$500 bills. The thought of not knowing what the bill might be was too stressful. The budget billing was definitely the answer! I also order my groceries online. That way I can see the total as I add things to my “cart”. My grocery list is based on my meal plan for the week. This also helps us save money. We usually eat lunch out on Saturday afternoon so it makes it more of a treat since we we aren’t constantly going through a drive thru.

@bigcahuna42366 9 ай бұрын

I stopped living paycheck to paycheck when I made my last non-mortgage loan payment in April 2010. For about the nine years prior to 2010, I couldn't write a check at anytime for more than $2K. Now having the piece of mind that I have an extra sufficient amount of savings for almost anything that comes my way goes beyond what words can express.

@NinaBanina647 9 ай бұрын

Just subscribed. :) The way your videos are edited and the knowledge you bring is awesome! :)

@Certified_nh 9 ай бұрын

This exactly what I needed this morning

@maureenmurphy8176 4 ай бұрын

I love this channel. George has very useful information on financial matters , and he is hysterical. Love his humor.

@katysummer9418 5 ай бұрын

In Germany a credit card is basically an international debit card assessing your debit account when outside of the country. The banks there don't give you money if they don't think you can give it back which is much better for the economy. Your banks are the problem throwing out money without knowing if you can pay them back with crazy interest rates.

@TurningPointPodcastWithE 9 ай бұрын

I needed this so bad, thanks! Subscribed! 😊

@nick_fitch 9 ай бұрын

Auto transfer was a game changer from me. 10/10 would recommend.

@JillGrimm-pk4vm Ай бұрын

I love the running joke about blinker fluid. It makes me chuckle and smile every time you and or Rachel say it.

@jonsmith9728 9 ай бұрын

Congrat's on the 100K sub's George, (great car analogy too lol)

@rachelsmiths7502 5 ай бұрын

Blinker fluid, LOL George 😂

@FiddlingCPA 6 ай бұрын

I view my credit card exactly how I view a debit card, because I immediately and routinely pay it off (literally every two or three days). And because of credit score building and cash-back rewards, it makes sense to use a credit card for recurring monthly payments that are going to be made no matter what (especially using an auto-pay feature). If one has any trouble with credit card usage beyond that, one should be self-aware and not use it beyond that foolproof level.

@minervahernandez9801 9 ай бұрын

Love this topic❤ I really need this😢

@jonathannerz1696 9 ай бұрын

Never thought I’d see a “So Random” reference in a financial video. Nice going!

@49lucky 5 ай бұрын

I started doing this,😅 keep receipts for EVERYTHING. It really helps to see what stupid stuff im buying. I STOPPED.😅😅😅

@MemphisCorollaS 4 ай бұрын

<a href="#" class="seekto" data-time="439">7:19</a> doing monthly budgeting with weekly spot checks into your bank transactions is also a great way to catch fraudulent charges or forgotten subscription charges.

@JonaaBLKWL Ай бұрын

I just paid off my first of 3 credit cards today. I'm on a fixed income due to disability so I can't save money or do anything to improve my income. All I can do is pay off my debts and do the best I can. These tips in this video were actually really helpful, thank you!

@stephenmobley8724 9 ай бұрын

I strongly protest that this is “no nonsense” because this definitively has some golden “nonsense” with all the cutaways and humor and such. But it’s “nonsense” that I am 100000% here for lol :) keep it up!

@christinalove6351 9 ай бұрын

I live in Florida, and you made ME want to go to the beach! 🏝️

@brianschilling4279 3 ай бұрын

George, you have a very helpful message in a fun way.🎉😊❤

@afifikhwan6403 5 ай бұрын

Great tips. Appreciate it. 😊

@poorstudioguy6434 9 ай бұрын

Love it! Any timeline on when we can expect Every Dollar to be available in Canada?

@LynnVanDoorselaere Ай бұрын

Thank you so much for the nice information - thank you!

@2024FingersCrossed 9 ай бұрын

Congratulations on hitting 100k.

@marygutierrez8925 5 ай бұрын

Im so glad theres a Kamel channel now! Hes one of my favorite DR personalities.

@JustenHarden 9 ай бұрын

Went to Gentry Farms on Saturday and saw a George doppelgänger.. got excited for a sec. Haha. Hope to shake hands with this gent some day!

@Hellokitty7163 9 ай бұрын

The coaching is not available for people living abroad😢 Come on George, spread the love !

@elisemedina2237 9 ай бұрын

So good!

@maskedninja6883 Ай бұрын

I work a warehouse job at advance auto parts and my last day of employment is in September. I can admit I have been living paycheck to paycheck and I have learned a lot the past few days. They are turning the warehouse into a hub center. if I work at a hub center that pay is going to be drastically lower like $14 an hour. My pay Advance Auto Parts distribution center was $19.55 an hour. It was OK. my advice for people trying to save money get a emergency fund started I learned that the hard way

@Nerd_Gamer_Buddy 9 ай бұрын

paying with cash allows you to save your spare change and you won't have to check if you have enough in your account

@jaidenmitchell7540 9 ай бұрын

Now if only people would start living within their means, prices on cars and homes would probably start dropping. This is great advice, I think this is a big problem. We need to stop encouraging people going to college that loans are ok and you can just pay it off later. I took out to much debt for what I needed for college and have finally almost paid it off.

@victor.in.command8806 6 ай бұрын

Financial advice and comedy stand up at the same time, you can’t beat that. 🔥

@marvinsantacruz5915 9 ай бұрын

You’re my hero bro

@LindseyHarvell-vc4ez 3 ай бұрын

Just paid a $950 car shop bill cash no credit card required!💰Funny ten years ago I didn’t have a quarter of that saved for an emergency. Now… we will be millionaires before we are 40. Ramsey works! But it takes a budget, persistence and dedication.

@cammims7645 9 ай бұрын

But George. Im sure I'm not the only one. Once you able to save a lil money life happens and now you gotta spend that lil Savings you worked so hard to save for lol

@darlenepaul2918 9 ай бұрын

Stop saving a "little " money.Start saving a lot.Also start some sinking funds. Look up and find videos about them.Then you'll really be living a great financial life!

@anacorona6234 9 ай бұрын

Gracias

@PutYoRhymeOn 9 ай бұрын

Financial advice KZfaqrs: Don't order food thru Doordash Me a Dasher: 😢😢

@daniellegibson872 9 ай бұрын

😂😂 sorry

@jdssurf 7 ай бұрын

yea it's for struggling ppl though.

@MrsJohanna33 5 ай бұрын

I can definitely see how switching to cash for my beauty/clothing/grocery spending could be beneficial for me. 👍🏽

@raphymartinez 9 ай бұрын

Using cash is the one thing I just don’t get. I treat money like a game and I like my score going up, not down. Once I take cash out of the bank, in my mind it’s already gone because it came down from the score board, so actually spending it doesn’t feel like anything. Debit card and the every dollar app is all you need.

@chelseabradshaw7772 9 ай бұрын

That So Random reference was the choicest bit in this vid.

@PATW0LF 9 ай бұрын

Surprisingly good zingers. Thanks for the laughs. :)

@sheneathahollowell2750 9 ай бұрын

So true!!

@jedifalcon7304 3 ай бұрын

You had me at blinker fluid 😂

@DorathyJoy 9 ай бұрын

If we are to survive in this economic crisis we need assistance right away. The ETF and stock markets are still quite volatile, just like the property market. I'm still at a crossroads deciding if to liquidate my $300k stock portfolio

@SandraDave. 5 ай бұрын

Many people are still getting fantastic returns on their investments during this time. Simply maintain a strong sense of reality or ask for professional assistance.

@bernadofelix 5 ай бұрын

@ScottKindle-bk3hx 5 ай бұрын

That does make a lot of sense, good for you though, unlike us, you seem to have the Market figured out. Who is this consultant?

@bernadofelix 5 ай бұрын

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Margaret Johnson Arndt for the last five years or so, and her returns have been pretty much amazing.

@Stellaanderson-qx5nl 5 ай бұрын

Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Margaret.

@youngsimba7135 5 ай бұрын

I subscribed immediately after the don’t be a menace clip

@stevenporter863 9 ай бұрын

<a href="#" class="seekto" data-time="509">8:29</a> Blinker Fluid 😂😂😂 Classic George one liner...

@richardle7469 9 ай бұрын

Chemical light battery

@richardle7469 9 ай бұрын

I been on a no spending year, cuz can't afford. Lol

@shawnalbright 9 ай бұрын

George: Try a no spend month. Me: Bro, that's how I live! 😂

@luisortega9876 9 ай бұрын

100k SUBS LET'S GOOOO!!!!

@gageramsey2200 7 ай бұрын

I was actually surprised at how funny and engaging this guy was 😂

@juliogrijalva75 9 ай бұрын

Hey George, could ya'll make Every Dollar available in Latin America? We wanna budget too in the third world, you know.

@Alexzw92 9 ай бұрын

<a href="#" class="seekto" data-time="552">9:12</a> okay that cut away made me laugh. +1 for DragonForce

@blackbutterfly233ify 9 ай бұрын

I don't mind using cash but how do I stop using apple pay

@clwest3538 9 ай бұрын

George, did I miss the video you said you were going to do for people with irregular income?

@mercedeswilkins9085 8 ай бұрын

What they took out your paycheck match that in a saving with compound interests. So if they took 100 out your paycheck put that same amount to a saving.

@mamagrizzly5360 9 ай бұрын

We live comfortably on one income, and I wear socks and sandals. Not gross, just a thing I like to do...

@stuemler 9 ай бұрын

Gave up Disney+ Annual for the coming renewal!!

@jreese2474 9 ай бұрын

All of this was taught in home economics class 20 years ago. Did they stop?

@EytsirhcChristye 6 ай бұрын

Do you count your change to verify the cashier or server gave you the correct amount?

@level1life79 9 ай бұрын

Sure bud I'll subscribe

@iaf4454 9 ай бұрын

I love practical tips hahah

@carmenbowen2554 9 ай бұрын

Is there any way to use the free version of everydollar if I get paid bi-weekly? I get paid every other Friday-thanks for any insight! Thanks for all that y’all do!

@melissahood2960 9 ай бұрын

You can put as many or few paychecks in the app as you want to. It's a monthly budget.

@justchilling_. 5 ай бұрын

💪 I love the no spend challenge.

@mariasimpson9628 9 ай бұрын

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $750k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

@filipxavier1041 9 ай бұрын

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses

@albertbrian6448 9 ай бұрын

I stopped listening and taking financial advise from these KZfaqrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.

@christinajurado9180 9 ай бұрын

Interesting i can't lie That’s impressive, if you don't mind me asking have you always had a financial advisor?

@albertbrian6448 9 ай бұрын

Not exactly, I started out with a financial advisor called "Camille Anne Hector". Her honest approach gives me complete ownership and control of my positions, and her rates are incredibly affordable given my ROI. However, do your due diligence before contacting a financial advisor.

@christinajurado9180 9 ай бұрын

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

@15KHPCLUB 9 ай бұрын

Either start a business or work somewhere where you’re not exploited by a greedy employer who has it all and you don’t. That’s about it.

@cozyt1022 4 ай бұрын

Just paid my last credit card off, only student loan at $7800 and 4.04% interest.

@theresa78201 9 ай бұрын

I ride the bus, and live without a vehicle! I realize this is not practical for everyone.

@daniilshmigelskiy7459 9 ай бұрын

The moment they realize all these Americans living paycheck to paycheck are currently on baby step number 2! 😁 Paying off debt!

@bettedavis9261 9 ай бұрын

A salary of $149,000 for a family of 4 in San Francisco is considered "low income." In my area, that same income is considered "above average." It's not an apples to apples comparison.

@donnahampton3632 9 ай бұрын

True, but you don't get a pass from math due to your zip code. Live on less than you earn. Even if you need to move to a better cost of living zip code.

@knockel18 9 ай бұрын

I always hate when people bring up New York and California. Okay this advice is good for the other 48 states. The majority of us. Smh

@bettedavis9261 9 ай бұрын

@@donnahampton3632 I never said you get a pass on math just because you live in a HCOL area. I was merely pointing out that depending on where you live, the same income can be considered low income, above average, or even high. So, yes, you would need to budget accordingly.

@blnmadisonbm 9 ай бұрын

Blinker fluid.🤣😅😆😂👍

@ItzJustClay 9 ай бұрын

What are ways to improve your credit score without having a credit card?

@GeorgeKamel 9 ай бұрын

Pay off all debt

@ShibaMcDripNu 9 ай бұрын

Passive income/dividend investment help too.

@orphancharmander1168 9 ай бұрын

Yeah, but that is impossible in the moment, when the system is rigged 👀

@EytsirhcChristye 6 ай бұрын

So you have multiple Zip-Loc bags full of change and don’t shop online and keep going to the bank for cash and miss out on freebies from paying through apps and walk inside to pay for gas & guess how much you’ll need?

@JeremySharpSMSG 9 ай бұрын

Hey WHOA im a socks and sandals guy! WHILE i wear cargo shorts!

@JAH-iu3yh 7 ай бұрын

OK no spend challenge starting February 2024. My daughter’s birthday was January 5th…sooo January never works for that.😬

@Beanz8907 9 ай бұрын

Should I put my savings in my regular bank, my HYSA, my brokerage account, or split my savings 3 ways? Or 2 ways?? P.S currently deployed

@coreysuffield Ай бұрын

your emergency fund should be in a high yield savings account for quick access, everything after that you would want to throw at ROTH IRA or brokerage account