We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some *Dale Valskov* Thanks for keeping us informed during this times of doubt?

The efficiency of this *Dale Valskov* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jack!!

Can't deny the fact that *Dale Valskov* is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.

My heart goes to the entire community for *Dale Valskov* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

Congratulations, *Dale Valskov* I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.

As a person and professional you couldn't get any better than *Dale Valskov* he is a very reliable person and an excellent professional in the IT field. He is the type of person you want to work that's passionate, hardworking and knowledgeable. You’re The Best 100%

It's amazing what you do *Dale Valskov* We need a lot of people with your skills and set who have good intentions and spread love

I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *Dale Valskov* for helping me with my account recovery. My prayers will always be with you and your team. Keep it up guys. Love from Maldives. There are many people out there I pray everybody get help.

Might wanna get on the *Dale Valskov* train, the proprietary nature of it deters me as a crypto enthusiast but also interests me as an investor

*Dale Valskov* has the most potential to do more than X10. ETH and BTC will most likely do a X5-X6, but that's fine for me. Gotta look for better entry points while I stake IRIS and PGEN, then wait for Polygen's next raise as I also look at their new partnership with Kenzo Ventures

I did not believe that after the whole FTX drama there's any good to get this year but *Dale Valskov* proved otherwise. Bad timing maybe but it's a great adoption to get this more to the mainstream and raise awareness. Probably a high contender for a top 100 growth

I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *Dale Valskov* and a 15x on polygon are fair considering how much those two coins are interwov

I feel like i don't even know what i'm doing in my stock portfolio of almost $400K. So many stocks but it's still not growing at the pace I want. I'm thinking of starting affresh to allocate my portfolio but I'm kind of confused about the best strategy to use.

Just because you make money, doesn’t mean you make smart decisions!

As a 42-year-old QA Specialist at Confluera, earning $150,000 annually. i have struggled to maintain a healthy balance btw my earnings n spendings and still don't have my mortgage sorted out. Do you feel i need some sort of money management?

I find it pointless to have a rental property that they’re “breaking even” on… I’d rather sell it and use the profits to pay off my primary home.

In uncertain times, how can one outperform with the S&P 500? my money goal of $3m seems far-fetched and just saving is not an option, do I seek a license advisor to help grow my funds, or wait for a favorable economy? I have barely 5 years to retirement.

Money is not meant to control people rather it is meant to be put to work producing more money for you. You cannot build wealth without putting money in its rightful place

He has a mortgage on a rental property, he's in baby step 2 not 3, 4, 5 or 6 then Jade recommends paying off your home mortgage first before a mortgage on a rental property? No, a rental property mortgage is baby step 2, home mortgage is baby step 6. This is a weird call.

There probably needs to be a separate account for the rental property so you arent taking from the emergency fund to pay for repairs.

Newbies need to learn the ropes, know how much risk they can handle and diversify their portfolio. Some folks get help from money experts or do their homework before making investment moves. It's all about being smart with your funds.

My threshold is 150k per year before I stop taking you seriously. What a waste of a phone call. 🙄

Talk about a first-world problem.

Almost everyone that calls in makes over $175,000 and they are all broke! What's wrong with this picture???

You definitely have my sub. This content is next level. For me Unimantic was the turning point. Please keep doing what you do and keep being you, love it.

I’m sorry did I miss the part where they have debt on a rental property and he’s talking about baby steps 4-6? This dude’s on baby steps 2. Dave would be losing it!

*Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*

This is the financial equivalent of "I dont like it when my peas touch my carrots"😂

Dave would have said sell the rental and pay off the primary. They are just breaking even every month

I can’t. These are rich people problems ….

You break even on the rental property? Why not sell it?

They're in baby step 2; they still owe on a rental property.

I need problems like this. 😅

Haven't seen anyone say it in any recent videos but love what Rachel did with her hair!

Thank you Lord Jesus for the gift of life and blessings to me and My family $14,120.47 weekly profit our lord Jesus have lifted up my Life!!!

Rachel - love your hair!!!

It sounds like they could sell the rental and drain all this side account crap and pay off their house like tomorrow

CUTE HAIR RACHAEL!!!! ♥

sucks making 320k a year !!

$320K or $455K? And they aren't living paycheck to paycheck. Who is running the ship over there?

Oh no I’m so rich I don’t know what to do! Poor baby

This ended up being nothing like I was expecting from the title.

This is the new trend everyone - make a couple hundred thousand a year and immediately goes out and buys a rental property. Every other caller to the show over the past couple weeks has a rental property, yet zero of them know how to manage a property let alone any of their finances.

I would like to point out having a rental property that breaks even that you still owe money on is not an investment you’re better off selling that rental property taking whatever equity you have if there is any and paying off your house then maybe focus on getting something else later

I don't buy the stocks or money market argument. You can sell stocks in seconds and have that transferred to your checking account within 24 hours.

0:41 It seems like they are only contributing enough in their 401k's to get the employer match, I think they should be maxing out both 401k's (not just enough to get the match). That's a lot of tax advantaged space they are not utilizing (in general you want to max out all tax advantaged accounts before investing in a taxable brokerage account).

Stupid call. How could they acquire so much money when he can't make a simple decision like this? Move half of the 100k into another account and move on.

I think 100k can handle any emergency that happens with a house..unless you dont have insurance and it burns down..take a call from someone with real money problems please!!

I make 30K and can manage it. I could not even think about 320K. What would I do with all that money?

Why is this dude calling? 🤣

Wow this guy is not getting it! Just put some of the money form the other account into an account that says emergency fund! What is he not getting?!

Wrong title. They are on the right track

6:51 Jade told the caller to pay off his primary residence before the rental property. That seems wrong according to the baby steps. Can anyone confirm?

My wife and I have a HYSA, but she likes to know that our emergency fund is in the local bank by us that we can go to and pick up cash if needed. I prefer the HYSA for the better rate obviously, but the local bank feels more real than an account with a large institution somewhere. That may be it for your wife as well.

Hey Rachel, you could get way more buckets and a way higher APY with SoFi, your dad's favorite bank!

All this over the emergency fund and the guy has a rental that's not paid for they don't even discuss

He needs to a set up similar to mine. Separate it all up! Have an emergency, don't touch, vacation and play fund

Yeah Bye Jason You and your $320K annual income which relates to no one!

is Ally bank one of their sponsors? i find it odd that Rachel actually uses that bank. i guess its a real bank thats FDIC insured but its just kind of a new bank that doesnt have a long generational track record.

These kind of calls shouldn't even air imo. We like have 100k in our emergency fund and we also have no idea like what's going on. Like seriously.

Title is not good, this is valid question , and the people are not dumb and not know how to manage 320,000

So basically his wife soesnt understand what a money market account is????

I’m confused. Wouldn’t Dave tell them to sell the rental? Even though I’m not sure if that would make sense since they could pay it off really quick… hmmmmm

HISA going to pay as much as Money Market. Just move it and make her happy.

I thought I heard. "I have PSTD"

If they have a rental that is only breaking even, and it already cost them for a flood once, sell that thing yesterday, especially if it is mortgaged higher than your primary residence

Well, for starters they should consider moving out of California if they can. Newsom sees them as a good source of tax revenue.

Stocks is not an emergency. It can take a couple days for you between your selling, and going into your account. I would not withdraw for stocks to pay off the house, or to create an EF. They make enough to just pay to those from their paychecks.

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you *Dale Valskov*

My outlook on money changed when I realized someone making $300,000 can retire broke & someone making $80,000 can retire a multi-millionaire. Living within your means and living a frugal lifestyle is the first step to financial independence. I just hit the one million mark last year, cheers to everyone striving to get there someday.

Dave should have been on this call. As soon as he said they were arguing about whether they are step 3 or 4/5/6, immediately followed by "we have a mortgage on a rental property," Dave would have jumped in to slap that down. You're in baby step 2 buddy. Not sure how the girls both missed that. They even told him to pay down the primary before the rental at the end.

People like this just want to brag on how much they make and own. Waste of a call.

5:30 onwards Jade is like me keep it separate

I would feel rich if I was bringing home $50,000.00! I have no debt...I CANNOT GET A CREDIT CARD... because " I have no debt" 🤔🤷🤷🤷

Now is the perfect time to start buying stocks and crypto( BTC, ETH,) if you are just being introduced.. I really wish I started earlier. I'm learning this doesn't have to be as complicated as some people make it out to be. Thanks to *Dale Valskov* for helping me get into its trading server and investing guidelines. Investing and trading are more than just having TA skills. There is a big component of discipline and emotional maturity, that one has to work on! Time in the market vs. timing the market. If you keep that mentality as an investor, you will stay calm during the storm! Within some months I was making a lot more money and have continued on that same path with.

The guy didn’t finish what he wanted to ask and already Rachel was ranting about what the wife wanted to do.

Lol $320k n living like shit.

Pay off the mortgage

I was thinking Rachel was going to explain the benefits of a "sinking fund". We have an emergency account (in a Money Market) that we don't touch unless of a job loss. We've decided THAT one occurrence is the "only" emergency that would trigger touching our emergency fund. (so for all practical purposes, as the ladies said, we forget about the emergency fund dollars) Now we have a checking account that we manage our monthly expenses....and we're very good at staying within budget and never going over. We also have a "sinking fund" which we keep in a seperate high-yield savings account that is used for extra money if needed for vaca, the fridge breaks, the HVAC needs serious repairs, a large vet bill, that kind of stuff. The sinking fund is kind of an "in between" seperate savings fund that is found "in-between" the regular monthly checkbook (used for 99% of life's expenses) and the 4-6 month emergency account....that is only touched in case of "armegeddon" (aka a job loss)

Phone call to brag.

Why is it that people who make this kind of money yearly or monthly perhaps, act like blubbering infants and don't know how to handle even a dimes worth of their money !

Women’s feelings are comical

Listening to a 1%, a top 10% of the 1% and a 1% of the 1% have a debate about the proper definition of a 100k slush/backup account was unique

Such a complex issue. Let's hope that they can get past this one.

They failed to address something here that Ramsey never says and that is having an amount in your checking that you never go below. For this well-off family, it could be $10,000. Keep another 40k in high yield. Then, when the wife is paying bills or investing money, she has a cushion. I have a feeling the wife is paying out of an account that they get dangerously close to zero and that makes her nervous. For my poor husband and I, it's $1000. If we're below that, we need to draw from other savings or our emergency fund.

I live for your hair Rachel!!

These 2 give the guy the answers before he finishes the Question

They can afford a good financial adviser to devise a budget and savings plan. A merchant bank can help.

Just a comment to say, what was this advice? Owes on a rental, aside from his primary residence. Sounds to me like debt. Sounds like they are being Dave-ish and so are the hosts.

It sounds like she only looks and checking and savings, and he only looks at investments. They need to merge their financial picture, so they can see the whole thing.

He mentioned are they on 3,4 or 5.. But aren’t they still on step 2 due to the rental property having an outstanding loan.

📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *Dale Valskov* covered me while I'm doing comfortable. 2.3 BTC per month

I appreciate you and your content < Technical Analysis is good but I find It truly baffling that major crypto youtubers just look mostly at pure T.A and completely ignore the bigger narrative of why BTC is pumps/pumped and why the future outlook will be even rosier than it seems. It's kinda irresponsible to ignore the fact that each ETF launch so far has caused a major dump at the peaks of BTC. We were already on shaky footing with historically low volume and almost pure whale pumps, narrowly avoiding a long-term bear market. More emphasis should be put into day trading as it is less affected by the unpredictable nature of the market. I have made over 27 btc from *Dale Valskov* insights and charts, its been one step ahead of other analysis….

The Ramsey personalities are really coming into their own…good picks!

I know it’s summer because the ladies cut their hair, lol!

I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level-headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, I’ve gotten $18,539 in my portfolio. Thanks so much *Dale Valskov*

Stop it with the fake title. They manage their money fine.

Dumb call…. Money market accounts are like high yield savings account…. This was a whole lot of nothing

I’m only halfway into This but so far it doesn’t seem there’s been any actual justification for why they need to make yet another money market account . The hosts just seem to want to side with the wife .

Dont care, people that cant manage this type of income deserves no sympathy