▸▸▸ www.365daystofire.com/ Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025 Sign up and get: ◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program ◼ Daily F.I.R.E. Actions ◼ Monthly Live Q&As ◼ Small Accountability Groups ◼ Quarterly Book Club ◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto! ◼ Private Facebook group ◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources ◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni ◼ And more! To learn more and enroll NOW, go to: www.365daystofire.com/

This is great Information..I canceled my gym membership i never used, canceled my spotify,closed out my large Unnecessary Storage unit, Stopped getting my nails done and buying coffees weekly! I saved over 260+ a month! Learning to be more Frugal and aware of my spending habits Has become one of the best Changes ive ever made. Love your videos guys!

You two are a great example for many young people as well as others.

I love the way you guys look at each other while the other one is talking! Very informative video that motivates people that might feel as if their stuff with no way out.

Smart power couple is back with another one

When negotiating a collection, make sure to get the new amount in writing before sending the money!

Hey My Kindred Spirits 👀. 2019 is my debt-free year. I owe $26k on one card. Just 2wks ago I negotiated three monthly paymenrs of $3340 for payment. Yes...I'm only paying about $10k/26k. That's a 16k writeoff. I also closed two other accts, one was Sam's, with 24% APR. While I did not negotiate a smaller payoff settlement (at least for now), I do get to pay it off with a 0% APR. Thanks for your informative and useful vids.

I really appreciate this video. Thank you both so much for actually providing a useful video with different ideas rather than the typical “walk dogs, babysit” ideas. Love this channel !

You guy are my hero’s ! Inspires me to change phone plans - to consumer cellular from Att. Saved me over $100 a month ! Thank you 😉🌻

Wow, I've never herd of some if these solutions for debt. Thank you!

I'm already looking for things to repurpose. You two really inspire me to do great things. Thank you for staying in tune with one another and working together.

Thank you for these ideas! When i declutter, i usually just donate my stuff. I also have a fabric stash i haven't used in years. I'm going to sew tote bags and sell them!

I can’t get enough of your videos. You guys are awesome. I have learned so much. Keep slaying with your fierce content.

I’m supposed to sleep but wow I love thissss

Team Husband & Wife, you guys are the best. I am on a quest to rid myself of debt this year, thank you for the tips.

New subscriber here, enjoying your channel! One caveat about credit card debt: there is a a statute of limitations on old debt purchased by creditors, and by responding to creditors or acknowledging the debt you will be reseting the time on the debt and you can be hounded again and sued.

Loved your ideas!! I have never been in debt. Now that I have been in a financial situation I am in debt. Definitely will try the great ideas you mentioned.

Just subscribed - I found your channel this morning and I’m so excited I did! I will be binge watching for sure and implementing some things!!

ooo ya'll this was goooooooooood!!! You all have mentioned in this video and others that you all are handy folk. Growing up I always thought you were either born to be handy or you weren't. But I feel I can learn. I'm interested in getting involved in real estate and I don't want to pay contractors to do every single thing. I'm hoping you all start a series regarding your handy work endeavors, everything from painting to those neat wine holders in this video! Thanks for all you do!!!

I really like your videos! You guys are innovative and still realistic with your suggestions.

God bless you both. Love from India🇮🇳

$150 sale for each pallet; how many hours per pallet?

Thank you so much for your content.

Making more has always been my most powerful tool in making progress toward my money goals. But great to have a bunch to choose from. Better yet, use them all :)

You are one of those couples who will become wildly successful and then who gets berated for being apart of the Illuminati (due to your success). Keep up the good work. You are an inspiration.

Wow you guys are great! I've learned SO much watching from you!

im so happy i found you guys! better late then never....early 40s here looking to pay off debt, get my fico up and purchase a property and wishing to eventually have a few rental properties and or airbnbs! i have always wanted a bed and breakfast...want people to feel like home wherever they are......i wish to get rid of this 16,000 car payment quickly and go from there...did i mention im happy i found you guys!

Amazing advice! Great channel!

Thank you for all the knowledge being shared. Plan on purchasing the guide soon

You guys are great! Thanks!

I never knew you could check out tools from the library?!

Would you please make a video about finding the right business loans or investors?

im going to roger rabbit my debt today! good stuff!.. I have so much I need to sell.

You guys are doing me so much justice in my life. Thank you so much ❤

You guys are fabulous! Like the mom and dad I never had giving sound advice!👌🏾👌🏾👌🏾 new subscriber and I’m totally inspired to use my days off to seek out extra money making opportunities!!!

...maybe try a desktop planer...I have a makita... Or a used one on Craigslist...it will cleanup and shave down the face of those pallet boards in no time...and no more sanding...I use them for small carpentry jobs a lot.

awesome video. great tips

Wiaooo in the company that I work they trough those woods palettes to the garbage but I try to learn basics carpentry

Great video! I ❤️ that you are so generous w/your information and to the point! Many blessings to you & your family because you are helping so many by sharing!👏🏽🌈

Great video. Haha I sold everthing. My home is so bare.

I have a video about this coming Thursday. This video is so needed. You two are the cutest couple.

Great suggestions here! Currently working on paying off my debt!

Good point about the importance of networking.

You guys are very smart. Thank you very much for sharing your knowledge. Can you share how to review asset allocation?

Seriously, i love your videos! Very informative!

Great ideas guys! Love your content!

Another excellent video! And this is total confirmation for me - I had a baby last year and I was able to negotiate 30% off on all my medical debt. Saved me about $1000!! PLUS, I even got a “yes” and didn’t have to pay everything upfront. They just removed the 30% to help me out! 😭😭😭 I’m so happy to see your channel growing and your subbies increasing. Totally Roger Rabbitting! Thanks again! 🤗🤗🤗

Get all debt pay offs and negotiations with debt collector's "IN WRITING"!!! Ask for it to be deleted from your credit report if on it, especially if it hasn't been on your credit report but for a few years. Some would say not to pay it if on there for 5 or 6 years because it will only be on your credit report for 7 years but if you are not worried about your credit score right away go ahead & pay off but know it will restart it on your report unless you get it deleted from your report. Debt collector's will lie, so I requests that they send me an email saying, "if I pay the agreed upon amount that it will be considered paid in full & I will owe no more on it & it will be deleted," BEFORE paying them ANY money, then request a receipt by email when it is paid. Also, make sure you pay with a check that you mail or a card that is not your main money account because they can take more out if you give them your card info. So, using a Visa card or an account you have opened solely to pay off debt with only the amount you have agreed upon in the account will be best (e.g. online checking accounts are great for this b/c they are free & you can open many of them w/ out worrying). Dont forget to get it taken off your credit report if on your credit report. Keep all records in case it shows up years later on your credit again & by a different creditor. But I have seen a family member pay off a debt that was on his credit report for a year but it didn't effect his score very much after paying it. It may go down about 10-30 points but will go right up if you are practicing good habits with debt (e.g. keeping balances on credit cards below 30% at all times or best practices to pay in full every month). Meaning if you have a credit limit of $1,000 then make sure your balance is below $300. But if you pay balances in full every month you'll see a quicker jump in your score.

Thank you for all of this advice! My husband and I are so inspired by you guys. Subscribed!

Smart ideas and Good ideas for negotiators or someone with skills or if you have things to sale but I don’t.

Awesome advice. Loved Roger Rabbit 😉

This is really good advice thanks guys.

Awesome video and realistic suggestion 😊 love your content. Just subscribed👍

i love your channel thanks for inspiring me to build my channel

You guys are awesome!

Thx u for this great info

How about zero money, zero time?

Can you do a video on charge off's, either paying it down or settling that charge off debt (which is the best option?). I am in charge off from one of my student loans and I have no idea what to do. I struggle to pay it down.

Another informative video .. 👍👍

Thank you for this info

Thank you! Would you also suggest closing or never using those credit cards again?

Your subs are going up, congrats

Smart move..¡ Smart Ideas..¡

We have made extra cash by donating blood plasma (up to $400 per month) just a few hours a week. It's not glamorous but it works!

You are Great Educators! I just discovered your Channel today. And, I Subscribed to Your Channel. I Really Love Your Videos. Your Content is Honest, Humble, Substantial, and Straight-To-The-Point. Keep Up The Great Work! God Bless Your Family!

What happens if you ignore the collection agency.

Exxellent ideas!

Thank you guys👌👌

Great ideas, as usual. Speaking of getting out of debt, there is controversy in the FI community regarding paying off your mortgage early vs. investing. I would love to hear your take on this subject. I am 50, have been underemployed and self-employed since 2006, and I found out about FI late in the game. I have a 15 yr. mortgage that was refinanced a little over year ago to get a lower rate (3.25%), and I only have 14 years left before I reach 64, so not long to build up my nest egg. My mortgage would be paid off before I would retire. I figure in my case if we pay off the mortgage early I will miss several years of compounding interest. I am not sure there is a "cut and dry" answer to the controversy and each case should be looked at individually, but would be interested in hearing your perspective. Thank you for your valuable content.

Great video will do some ideas you have.

What about federal student loan? Any tips on how to negotiate?

Thank you very much...Very nice and informative video. :))

I really like your videos. Thanks for making them! Do you mind sharing your ages?

And no credit cards

Great videos!! But if you negotiate with debt collectors, wouldn’t the remaining amount be taxed as income?

Good information!

MY debt is paid now I am trying to get the 5 late fees off. How do I do that? Please help? Single mom.

Hey! I have been borrowing money to start up a business and I am having a hard time managing debt. Any tips?

Been watching your videos.. Lots of great ideas!! I'm looking at supplementing my retirement by renting rooms in my home. I'm a recent widow, and want to be safe. Any ideas for me going forward??

What you think about file bankruptcy Because I’m in debt

Nice book cases and wine racks...

Great video😊🇯🇵🌸

Great 😁👍!

Love your videos!! You guys are "couple goals" 🤗...My husband and I just got married and merged our accounts. We have a ton of student loan debt and some credit card debt as well. We decided to really focus and get rid of the debt prior to trying to purchase a home. It is definitely a process and a challenge. We are still struggling to create a realistic budget. Our Food category is definitely a struggle to maintain. We alway seem to go over. Any suggestions on how to create a realistic budget?

Nice video

Hi Guys, My name is Abel and I am a big supporter of your KZfaq Channer. I have a question for you both I have made so many mistakes in my life growing up as a young man. Now I have a beautiful wife and two beautiful girls and my family are my worlds. My question for you two is I have $300 CAN and I want to invest it into the stocks market how should I go about doing this and what stocks do you think will be good for a beginner? Thanks, Abel

I already sold stuff have no tv ect have the cheapest phone plan and working 7 days a week.. vet bills are mounting up because 3 cats are in kidney failure.. I hope crowd funding can help.. I’m only eating cup noodles otherwise I’ll die.. it’s that bad 😟

LOOOOOOOOOOOOVe your Videos

I need help renting home but I don't have money. Please help

Good advice. Many don't realize that their debt will follow them when SHTF. A global collapse may come soon and you don't want to be in debt. I paid mine off and I'm 64. Turned my remaining falling fiat $ into crypto and silver. I hodl the crypto on a private hardware wallet and keep my silver in my own posession. #GOETH !

Never pay collections.

I hope to Roger Rabbit some of mine with these new ideas x

What’s the roger rabbit method? Haha

💡

A lot of mom and pops are cheap.... contract contact just to make sure they understand...they also like to get you to do work and then not uphold their end of deal..keep password put donain in your name just in case...

Wow, the closest tool lending library is 2000 miles away😕

What’s a Roger Rabbit? Lol

get a loan to pay off your debt. then pay off your loan with another loan. ez not being in debt.

"You can do a Roger Rabbit!!" Lol

Rainbow and Roger Rabbit 😁