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@QuesttoFIRE5 жыл бұрын
Look rich or be rich. Pick one.🔥🔥🔥
@OurRichJourney5 жыл бұрын
LOVE IT! Please put that on a T-shirt! We'd would love to rock that :-)
@jayjacobs84863 жыл бұрын
I wana look richhhhh!!!😄😄😄
@NeoAndersonReloaded5 жыл бұрын
I finally make 6 figures and i still have a iphone 4s , 8yrs going strong 👊🏾
@OurRichJourney5 жыл бұрын
That is awesome. Its so important to avoid lifestyle creep. Thank you for sharing!
@queenwifemomdaughter29705 жыл бұрын
Man I miss my 4s... to me the sound quality was much better I switch to a 7 and the kid laughed at my phone 😒
@keithwalker72455 жыл бұрын
how did you get to 6 figures?
@georgievvladimir5 жыл бұрын
yep. rich people use good old phones. broke people buy new phones each year
@liveinms99493 жыл бұрын
Its not as much as people think. when we went to 100k It was like ok we can finally afford health insurance and after school activities for the kids and actually start funding retirement
@Colourandwellbeing4 жыл бұрын
I am so glad I subscribed, my own siblings laughs at me because I still live in my small 2 bed flat I bought in 2006, still have my iPhone 6 and I don’t drive. They think my son doesn’t have quality of life. But he holiday with the grand parents every year, does karate, I am learning a lot with you; I am learning that I am living within my means and need a side business. As a single parent sometimes it’s difficult when you doing the right thing for your family and your extended family make you feel that you not giving your child quality of life. My son wanted an nitendo, together we sold many of his older clothes than bought it. He is 10 and already great at spotting savings on supermarkets. We just need to learn investing that’s we’re i am struggling.
@DonteeWeaver5 жыл бұрын
Cutting even small expenses will make a big difference over time 💪🏾
@OurRichJourney5 жыл бұрын
Excatly! Thank you for adding to the conversation :-)
@NHJDT5 жыл бұрын
Grew up with my father telling me that it's not what you make, it's what you save. I try to save for the entire year in the first quarter of each new year and then the rest of the year, we relax and don't have to worry as much about it. We spend a lot of money buying organic high quality foods but to me its worth it and speak very regularly to my little kids about staying debt free and definitely not having outstanding loans for consumer items. We enjoy life and our vacations but definitely stress the importance of investing first. My kids love your channel by the way
@BucketListTravellers3 жыл бұрын
Fortunately for us, we've been living in Nicaragua for the last year and there's no online shopping here. That gets rid an any temptation for an impulse buy!
@margottomasik21085 жыл бұрын
One of the best channels on how to become financially free. Simple and to the point. Thank you.
@OurRichJourney5 жыл бұрын
Thank you so much! We appreciate the love :-)
@corie49935 жыл бұрын
Great video guys! We aren't living paycheck to paycheck anymore, but I remember the days when I would mindlessly shop for clothes and accessories. To be honest, most of those items have gotten donated or given away to friends. I've finally learned to be content with what I have and to my surprise, I don't have that urge to shop like I used to. Thanks for sharing!
@OurRichJourney5 жыл бұрын
Thank you for the kinds words and thank you very much for sharing :-)
@Janelleybean235 жыл бұрын
Corie Byrd my nemeses was lipsticks...and I don’t even wear makeup that often! Yikes!!!
@corie49935 жыл бұрын
@@Janelleybean23 lol! I understand. Cosmetics and beauty products are so expensive these days. I used to dibble & dabble into makeup a few years back and I couldn't believe that a tube of lipstick can cost as high as $30. Ridiculous
@calfuray67405 жыл бұрын
Corie Byrd good for you👏🏿👏🏿 now see if you can manage thrift stores and goodwill good luck 👍🏿
@kashfortheking3 жыл бұрын
I bought 19 too many gifts for Christmas for my kid last year. I won’t do that again.
@OurRichJourney3 жыл бұрын
Hehe! Subtract 19 this year! :)
@kimandmikedial95825 жыл бұрын
When you said materialistic things make kids "happy", I said materialistic things make kids "shut up." LOL, temporarily usually if it's a toy but a device makes them disappear, which is not good. It's unfortunate people buy things to make their kids go away when you should be spending time together as a family.
@OurRichJourney5 жыл бұрын
LOL! SO true! Thank you for jokes AND the excellent point.
@commoninvestor68185 жыл бұрын
Totally agree. So many people need to get their spending under control and stop living beyond their means. Even a few years a frugal living could mean a lifetime of freedom!
@OurRichJourney5 жыл бұрын
Exactly! Just a few years can change everything.
@Ahem20024 жыл бұрын
Me having a kid told me that its your attention and time. Not materialistic things they want.
@moemoneysouth4 жыл бұрын
I learned how to fix my car at the level of a engineer . I know my car !!! I love this , I love this channel .
@knowthyself6905 жыл бұрын
"You're not suppose to have a car note forever." Nice. I grow-up in a "YOU CAN'T TAKE IT WITH YOU" community. Everyone spent all their money on themselves and kids and whatever they wanted, cause you can't take it with you when you die. Well, when I became a father, as a Black American, I became very very very consumed with giving my children a leg-up financially. That meant, I had to leave something for them...Period. So after I decided, I was gonna leave something for my children to build on; I started looking and found my way. My go-to book for anyone seriously wanting to do stop-living-check-to-check. THE RICHEST MAN IN BABYLON :-) Forgive my capitals :-)
@OurRichJourney5 жыл бұрын
Sounds like we grew up in the same community. It also sounds like we both learned from that experience and are using it to empower our children. Thank you so much for sharing your experience. Your children are very lucky. And thanks for mentioning the book. I read it once a long time ago but I think I'll check it out again.
@olaolaitan78344 жыл бұрын
Thank you guys. Came across your channel last week and subscribed. I started out with Dave Ramsey's baby steps. I used to make good pay but have nothing to show for it. However, I started working on clearing my credit cards. I've not earned an income this year but God has been faithful to me. Gave up my job due to family commitment. I'll be applying your tips to finances and hope to stop living from paycheck to paycheck. Thank you for mentioning the book above. I've looked it up and already bought it on google ebooks. God bless you all.
@EMarie853 жыл бұрын
As a six figure earner in the Bay Area, it's been a trip to see my neighbors "pity" me (in their facial expressions, or topics they avoid discussing, or comments that "acknowledge" how hard it is to make it in silicon valley) in the assumption that I'm struggling because I took a bike to work before the pandemic, don't have a car, and sometimes walk to get my groceries - and, god forbid, sweat in the summer(!) If only they knew that I'm all good, saving and investing a ton and not beneath anyone lol. People make all kinds of assumptions based on what they see
@taraburt67385 жыл бұрын
Just discovered your channel! Totally agree with the new car assessment. Buy a 1-2 year old pre-owned lease from a certified dealership. Usually you can get a higher quality car (less than 10K miles) for less money compared to the current year's basic model. Plus, you may also be able to buy the remaining warranty. Keep up the maintenance and ride it until the wheels fall off.
@OurRichJourney5 жыл бұрын
Tara Burt Thank you! And great tips😊
@pedrogarces68764 жыл бұрын
Nice video! As I started changing my behavior on our journey to FIRE. Friends started asking why do you drive a 15 year old car? How are you able to live with 1 income? I found that questions could answer themselves. Living below your means is the way to change your life. It is sad to hear from friends that make 200k+ that say they spend first and then save what’s left without budgeting. For success, every dollar must have a purpose. I found that budgeting empowers me to know how much closer I am getting to our goals include savings, investment or funding a vacation. Keeping up with others also sheds light of people emotional problems. You must feel confident and happy with yourself. Others should not dictate life choices. Great work on this video!!
@spiritualtraveler3 жыл бұрын
OK... I've always thought of "budget" as a four-letter word. In an effort to lower/be more aware of my spending, I gave myself a max limit of $50 at the grocery store yesterday, AND I was only allowed to buy what was ALREADY on my list. Man was that hard! It's almost instinctual (at this point in my life) to see something, want it, and go ahead and get it. I had to keep stopping myself, and reminding myself "Just what's on the list. Just what's on the list." I think because it was food/toiletries/necessities I never saw it as an area of spending that needed to be curbed.
@JaBabyDoll5 жыл бұрын
I’m in the process of switching cell phones providers, so I can save on my phone bill... it’s funny you said clothes, because people laugh at me because I have clothes over 10 years that I still wear
@OurRichJourney5 жыл бұрын
That is awesome! My favorite T-shirt is 12 years old. Its so comfy. And let them laugh because you will also be laughing....all the way to the bank. LOL!
@JaBabyDoll5 жыл бұрын
Our Rich Journey exactly lol
@Tom_Fuckery5 жыл бұрын
Coming from a working class family, these steps were embedded in myself and siblings and I'm surprised more people do not have this knowledge. Thank you two for spreading the word.
@ForNoOne13 жыл бұрын
"You define yourself by how people see you, when in fact you should be defining yourself by how much assets you have." I understand your point, that you shouldn't define yourself by the perception of others, but I would rephrase the second half of that - you shouldn't define yourself by your assets either! But everyone should have goals to grow their wealth and financial stability.
@TheQUBANQT4 жыл бұрын
I was guilty of the car situation but when my lease was up in November I didn't rush out to replace the car. I'm attempting an experiment till the end of the year. I'm living car free & only using ride shares. The point of the experiment is to compare the cost of insurance, gas, & car payment to the ride share service cost. I'm also guilty of eating outside of my home 2-3x daily 7 days a week. Having to pay for a ride share or food delivery fees anytime I want to eat at a restaurant has curbed this bad money habit. I now buy groceries. I'm not certain it's the healthier option being most of it are pre-cooked options but I'm a hazard in the kitchen. Disclaimer: I am single, have no children, live in an urban area, am location independent, 100% remote (work from home) & can't cook. I realize not everyone can implement my old or new life style. I'm continue to be guilty of not having a budget. Spending my money intentionally has been one of my New Years resolutions for 3 years now. I'm determined to put on my big girl panties & start the new decade with the foundation to set myself up for longterm success. My experiment is my 1st attempt of 3 I need to implement to spend intentionally in 2020. Comparing my spending in (car free) November & December to (w/car) September & October to determine if living car free is the financially responsible option will determine how my budget should go in 2020. Similarly to a "soft opening" or "pilot". As an added bonus this 1 change address 2 areas on my list, transportation cost & the less obvious food cost. I'm not living paycheck to paycheck but I am going to have a 20% gap from my magic number in my retirement goal if I don't start investing intentionally. The first step is to figure out where my money is going & setting a budget. So here I am trying to cut cost being my income is set. Embarrassing but necessary for perspective: I work for one of the largest financial institutions in North America with business world wide & I'm a finance major. I'm feeling the SHAME. This isn't an easy task my family seems to be under the impression I'm experiencing financial hardships & no matter how I many times I tell them it's not the case the conjuncture is running rampant. I agree these glaring changes in my lifestyle are uncharacteristic (I had a car before I had a drivers license) but the lifestyle I'm attempting isn't secular for the area I live in.
@jcool2hot4 жыл бұрын
The goal is to be rich, not look rich.
@tinateews94945 жыл бұрын
Great advices you two. I tried not to regret but sometimes I wish I knew more about how finance works when I was younger. Financially life would've definitely be a lot easier. But hey better late than never, right? Thanks guys!
@OurRichJourney5 жыл бұрын
Thank you! And yes....it is never too late :-)
@bitcoinmaster36345 жыл бұрын
I spent too much on cars. My retirement don't even have a fraction of how much I spent on cars in the last 20 years.
@0009stephanie4 жыл бұрын
My husband lol he made a terrible mistake financing a truck that we could not afford and then when his friend offered to sell him a 4 wheeler he bought it and put it in a storage unit and road it one time
@kenny32695 жыл бұрын
Wish I could like this video multiple times! You guys are truly providing a great service. Bless you.
@monkaambroziak50925 жыл бұрын
I am from Poland. When I graduated, I got a job in Japan with a minimum wage of around 180,000 yen a month (less than 20 k per year). I decided to accept it to improve my Japanese language skills, even though even in Poland I could make more money. I still managed to save 5-10% of my salary. 4 years (and 2 strategic job changes) later I make over 10M yen a year (very rare in Japan to earn that amount in your 20s or even 30s) and save 70-80% of my salary. I could never understand living paycheque to paycheque and not saving. Aren`t they scared of what will happen if they lose their job or get sick and can`t work?
@Cieloazul854 жыл бұрын
Because of you guys, I got rid of clothes I haven't used in years, some kitchen items that were just collecting dust and some other stuff. That decluttering felt sooooo good, having so much stuff just seating around really sucks up your energy. And I'm not done yet. Thank you guys for this amazing content.
@slaltemus5 жыл бұрын
I think all class levels have issues with money. Broke people who should not be buying new cars because they believe they deserve a new car or say I need to feel safe so I need a new car that won’t break down and people who have little income are over extending when buying houses. Your right about top earners that tend to spend a lot more than they should but that’s not an general thing all good earners do in my opinion. I know many well off people who are financial Scrooge’s. I had to pay for a dinner for a friend who is a millionaire but did not want a meal because he did not want to pay for the side salad that was included in the meal. I know people working 2 minimum wage jobs while buying the latest iPhones, AirPods and Apple watch and drive nice new cars. This is a problem at all class levels not just big earners. We live in a society that feels entitled. I always hear people telling me that they make too little to save anything and they can’t afford to build an emergency fund (though to be honest they always seem to be in an emergency financial situation). I know they make a little but they own things you don’t absolutely need and they aren’t trying to improve their situations by adding skills to help them move into higher paying jobs. Then I get slapped with you don’t understand you do not have money issues while I see their child playing games on a premium phone while wearing premium brand cloth I remember one child even had a supreme shirt (I still hope it was a fake but it made me sigh). People think I have no idea how hard it is to live pay check to paycheck but I can say they do not know about my past. I use to be a low earner but I worked hard to improve my situation. I avoided debt unless it meant life or death (food etc). My parents never just gave me anything on a platter but they did spend the time to show me how to save and how hard work payed off. They were good role models in the financial space. I feel like I am told by many I know that I was lucky. Huh I didn’t feel lucky when I worked 3 jobs in college worked 100 hour weeks in my 20s. I also believe you surround your self with like minded, honest people who understand how to manage money, people with good morals and it will make your life so much better. Good video
@OurRichJourney5 жыл бұрын
Steve Texas Great insight! We really appreciate how real your comments are and for adding to the conversation. Thank you! Thank you! Thank you!
@deanhassan43025 жыл бұрын
What about weddings?
@losnun9483 жыл бұрын
Lol I have always thought like that ..... this is why I subscribed to your channel !!!! You guys are what I’ like up too not boxers , nba players , rappers, any celebrity ... ppl that I can relate to and are just like me and ppl that live in the real world and are trying to do something in their life and leave something for their kids !!!
@mamabear10785 жыл бұрын
Love you guys! My husband and I are on the no debt plan! We have just paid off over $50k in the last couple of months.....now just need to pay off the cars! We had to buy another car because my husbands car, which has 240k miles, needed to be replaced! It boggles the mind at how much people spend on these extremely expensive vehicles! We only buy used and keep it for many years to come!
@priyanesan32994 жыл бұрын
Main reason is people have not realized the power of compound interest.
@aaronm90684 жыл бұрын
I make $57,000 a year supporting 2 kids. I live in 1000 square foot ranch that is overpriced because of the school district. There is a bottom threshold where no matter how much you save, it will not help much. At most I can save $300 a month. That does very little in the long run. My retirement will fall short. Addressing stagnant wages in this country is nothing anyone is willing to talk about.
@ShmaAdonaiEhad4 жыл бұрын
So basically common sense saves you money = )! Sadly, our society is so materialistic that they can't see these things.
@JoyfulLivingLinda5 жыл бұрын
I am always so pumped by your videos because they make me feel good, I feel I am doing so many things right :)
@OurRichJourney5 жыл бұрын
YES! That is so awesome! Keep it up! We are so happy to be on the journey with you :-)
@timg005 жыл бұрын
I still wear the same clothes from 8 years ago.
@OurRichJourney5 жыл бұрын
YES! Love it!
@eezy251able4 жыл бұрын
They must need a wash by now? 😂
@darbylane4 жыл бұрын
Haha same!! Its great for the environment too! :)
@iwontreplybacklol74812 жыл бұрын
I have a Polo shirt that I bought nearly 20 years ago, just wore it yesterday, still looks nice.
@ruthwhite14225 жыл бұрын
So glad I found your channel! You guys are great thanks for all the info
@OurRichJourney5 жыл бұрын
Thank you so much! So glad you discovered us. And please pet us know if you have any questions or topics you'd like us to address in a future video. Thanks again!
@nancymartinez3844 жыл бұрын
Cars are the #1 money killer!
@heprovides56045 жыл бұрын
I'll take a harsh truth over a warm lie.
@OurRichJourney5 жыл бұрын
Exactly how we feel :-)
@bikenraider993 жыл бұрын
Nail on the head. It's not about how much you make but how much you keep. Overspending and lifetyle creep will get a person every time
@OurRichJourney3 жыл бұрын
Yes - lifestyle creep is hard for many people to avoid. But, it's more do-able for people when they are aware of it!
@chrystlaw14 жыл бұрын
I don't eat out and I bring my lunch yo work but I have THREE boys and they EAT!! I wish I could cut my food budget in half.
@HerrPoopschitz3 жыл бұрын
Put one or two of them up for adoption?
@elliottmalone39495 жыл бұрын
More than 15 million tons of used textile waste is generated each year in the United States, and the amount has doubled over the last 20 years. In 2014, over 16 million tons of textile waste was generated, according to the Environmental Protection Agency. I only purchase used clothing from thrift stores and yard sales to reduce my environmental footprint. I know it isn't much, but it helps me sleep at night.
@ReadingTimeWithZa5 жыл бұрын
Yay! My favorite couple. Thanks so much for sharing! 🤗🤗🤗
@OurRichJourney5 жыл бұрын
You are so kind...THANK YOU!
@mel65284 жыл бұрын
Yes, thank you for the advice I am single and preparing to purchase a home, and while shopping you can easily get distracted looking at 4 bedroom homes lol...I had to quickly check myself back to reality a 4 bedroom home is not necessary. 😀
@OurRichJourney4 жыл бұрын
Wow! I LOVE that you made this comment Melody! That's a great mindset for people looking to achieve financial independence. More isn't always better - especially when it comes with a huge mortgage!
@mel65284 жыл бұрын
Our Rich Journey Agree thanks I certainly appreciate the knowledge you share, and the work you both put into these videos. Have a great day!
@michaelmoore91754 жыл бұрын
I have been following your financial channel now for at least a two weeks, where have you both been? You both are so sincere and informative, keep putting out great content as long as you can. The work that comes out is changing lives...
@Healedhomegirl3 жыл бұрын
Omg I agree with this video so much! Everything you said was spot on!
@OurRichJourney3 жыл бұрын
Aww, thanks so much Ebony!!!
@devchatterjee96425 жыл бұрын
I don’t think you should let your financial stability or assets define you similarly as material things to other people I mean at the heart of it what should really define you to other people is your personality
@OurRichJourney5 жыл бұрын
Exactly!! Thank you for adding to the conversation :-)
@voctor345 жыл бұрын
Great information. You guys keep me motivated.
@OurRichJourney5 жыл бұрын
Thank you so much!
@sharlawatkins5 жыл бұрын
I just started watching your videos and they are so very helpful. Thank you for sharing!
@OurRichJourney5 жыл бұрын
We are so glad you discovered our channel! Welcome! Let us know if you have any questions or want us to prepare a video on a specific topic.
@krkkr22484 жыл бұрын
You guys are right ! I really need 1:1 help with paying off my debt , I don’t want to go to the bank or an advisor who is someway or other always looking to promote something for their own benefit. So please is a way to get it touch with genuine , practical people that you to discuss situation 😔
@E.E.F.5 жыл бұрын
I like your videos. There is no need to add a pricey studio. I love my 15 year old car and paid off house and shop in my own closet. :-)
@OurRichJourney5 жыл бұрын
Thanks so much - you sound very much like us!!!
@leeb.52964 жыл бұрын
I feel like you forgot about medical expenses - expected and unexpected. Thank you for your videos, they are great!
@wrldwdepat4 жыл бұрын
Wish I found this channel much earlier
@ktsterlin93043 жыл бұрын
I don’t have kids but I have had so many conversations with people that say “you’ll be broke when you have kids”. I agree that insurance and food costs are gonna go up but an extra $3k a month... I don’t know about that. I’ve seen a few budgets where people share they pay between 500-1000 for camps and extracurricular for their kids and have no room for savings for retirement or college. I had to ask my mom how much my choir cost... not $500 a month. I don’t think everyone needs to pay for their kids college but I do think we all need to figure a way to pay for retirement. If you can’t cut out some stuff in your life then figure out a way to make more money. I guess I’m ready for more people, especially those making more than 100k to step up and realize that living paycheck to paycheck is not a good look when there are options.
@rositahl4 жыл бұрын
Great information, best advice I can give to married couples is to work together on their financial planning and budgeting, in my opinion it is almost impossible to achieve financial freedom if both are not on the same page. Congratulations for working together guys
@bobbiclinger75005 жыл бұрын
Awesome! Thanks again for more awesomeness content! We weren't living paycheck to paycheck, but we kept having things come up that would wipe out our emergency funds, and then we'd have to start all over. Then I discovered optimizing/cutting costs. We managed to free up another $350 per month that we didn't realize we could! I thought we were living frugally, but we still had a ways to go! And to be honest, we are having a lot of fun hacking our expenses and figuring out new side hustles.
@OurRichJourney5 жыл бұрын
That is so awesome! Thank you for sharing you big win. We also have fun figuring out creative ways to optimize our finances; grow income; and investments. We are so glad to be on the journey with you :-)
@liveinms99493 жыл бұрын
//most people that make 90K - 100k spend their money on things like daycare,/ private school housekeeper(because you work all the time)Its really just a true middle class lifestyle. As opposed to people who think they are middle class but are really working poor.
@TheFruitney5 жыл бұрын
This is a great video on living paycheck-to-paycheck. I commend you both on creating this. Can i suggest you do a video on the actual root cause of why people live P-to-P? Most people in these situations were taught (knowingly and unknowingly)how to deal with money at a young age. I struggled with properly managing money as an adult because my mother unknowingly showed me bad habits for years. Once I identified this as the problem, I started to make changes that actually stick in order to be financially healthy. In order for people to treat the symptoms of Paycheck-to-Paycheck, they must first identity the root philosophy on money and finances. Once identified, they can cure the issue. T. Harv Ecker wrote about this in his book "Secrets of the Millionaire Mind" have to remove the bad files before putting in the good.
@MM-cl9zf5 жыл бұрын
Love this channel! Im a new subscriber. I’m binge watching right now... lol. U have great diverse topics...Thanks for the info u really helped me make a decision on etf, index funds and stocks
@alexadnan10324 жыл бұрын
Paycheck to paycheck will keep you in the rat race forever
@michael-annhancox71794 жыл бұрын
Great video! Could you do a video on selling the things you do have? Maybe you have and I just haven't seen it. We are in the process of selling our things that don't serve us but some marketing tips or ways to maximize the sale. Thanks!
@OurRichJourney4 жыл бұрын
That's a great video suggestion! Thank you!
@choosetoshine26104 жыл бұрын
Money talks, wealth whispers.
@corriechapple35445 жыл бұрын
Hey guys, thank you for sharing all your fantastic tips and tricks. Question what down your food bill look like?; would love to see a food break down on costs and so forth.
@OurRichJourney5 жыл бұрын
Great question! We'll have to do a video to show you how we save. But what we've learned is that we are better off not making big grocery runs when we shop for food. Instead we buy 3 or 4 days of dinners and lunches and snacks. This way we don't waste food. We try to focus on efficient eating. It also helps us eat healthier. Thanks for the question and suggestion for a future video!
@PHDinMeTV5 жыл бұрын
Good points guys! Society has got to put down keeping up with the Joneses! Thanks for sharing 🌸
@OurRichJourney5 жыл бұрын
YES! EXACTLY!!!! Thank you for the comment :-)
@ephraimhamilton97405 жыл бұрын
this is a very good one thank you two again keep up the good work, love you all.
@OurRichJourney5 жыл бұрын
Thank you so much! We really appreciate the love :-)
@Stromen4 жыл бұрын
I find it annoying to go and buy cloths. I still use my 5 year old cloths. If it aint broke dont fix it.
@Bast167114 жыл бұрын
Your right. We stopped spending too much on weekends. Now we don’t live paycheck to paycheck.
@chaneloldham5 жыл бұрын
Please do a video about how you earned $7,000 in rental income from "airbnb'ing" one home
@OurRichJourney5 жыл бұрын
Thank you for asking. Will do!
@liz90824 жыл бұрын
I loved my IPhone 6s and new updates forced me to upgrade 🤨🤣🙈
@cikong8265 жыл бұрын
Very useful info ....great job guys!
@OurRichJourney5 жыл бұрын
Thank you very much!
@fitnesstech20245 жыл бұрын
@@OurRichJourney i started a investment account just for my car. the goal amount is 250k in vym at 3.08% dividend thats 7,500 per year 625/month i will be able to lease a new car every 2 years forever lol and that dosent even include stock appreciation if it increase 7% in one year i will withdraw 4% $10,000 ill buy anything i please or just leave it currently my balance is 38k i have a long way to go :(
@ramirodelbosque72803 жыл бұрын
I knew people that had hundreds of thousands of dollars in savings and died suddenly before retiring after a lifetime of depriving themselves of living fully so they could retire “comfortably”. You only live once in most cultures. You work hard....enjoy it!
@ephraimhamilton97405 жыл бұрын
Love you two keep up the good work.
@OurRichJourney5 жыл бұрын
Thank you so much! We really appreciate the love :-)
@curtisdavis85945 жыл бұрын
Thanks for the message!
@OurRichJourney5 жыл бұрын
You're very welcome!
@jaynwonder79154 жыл бұрын
todays value lesson for my teenage kids...thanks..🌷
@bluelifemedia5 жыл бұрын
I really thank you for doing these videos. I am taking your advice and looking closer at my spending. Question, what is your opinions on cooperative living? I live in a co-op and pay monthly fees like a condo. Many repairs such as plumbing electricity issues etc are included in the charges. I think this has been good for me as an investor in my co-op. What is you guy's opinion on cooperative living?
@jamesspitzercashout5 жыл бұрын
Great message today!!
@OurRichJourney5 жыл бұрын
Thank you!
@bshef34243 жыл бұрын
Hey Amon and Christina -Question - WHEN should someone "close to retirement" START the Roth IRA? If it's 5 year hold, I guess 57 yr old (if you're hypothetically retiring at 62)?
@dwalker68683 жыл бұрын
Thank you
@OurRichJourney3 жыл бұрын
D Walker! You are the sweetest! Thank you for watching so many of our videos and commenting on all of them!!!!!!
@s.w.54524 жыл бұрын
Thank you you are great counsellors
@knowthyself6905 жыл бұрын
You two really hit the head on the nails. So much, so that I'm hesitate about sending this to a few family members :-(
@OurRichJourney5 жыл бұрын
Thank you! You should send it. The truth will set them free. LOL . But seriously, ,any folks are in denial but maybe the info with plant the seed to get them on thier way. Thanks again!
@givebackgarage3 жыл бұрын
Great advice! Thank you guys so much
@ericcanales75284 жыл бұрын
So true!!!
@EvangelistRBColbert5 жыл бұрын
I still have the Samsung Edge 7 and the 10 is out I think. 😂 I am very frugal!!!
@OurRichJourney5 жыл бұрын
YES! We still have the iphone 6s...we are right there with you :-)
@FlySistah4 жыл бұрын
@@OurRichJourney Same. Samsung 7 edge and we only got 7's (had S 3's at the time) because our budget app (you need a budget or ynab) didn't work on the S 3.
@KateKaden5 жыл бұрын
Love your vids!
@OurRichJourney5 жыл бұрын
Thank you so much!
@anarsuazo5 жыл бұрын
Great job on this video. Very informative. Can wait to do our diligent on a better future
@wdenton565 жыл бұрын
Love you guys!
@OurRichJourney5 жыл бұрын
Thank you so much for the love :-)
@timg005 жыл бұрын
People living paycheck to paycheck make 150,000 is crazy. That is 3x what I make.
@OurRichJourney5 жыл бұрын
Yes. Its really hard to believe that people can make so much and have so little to show for it. Thanks for the comment:-)
@rafaelacosta2394 жыл бұрын
Any ideas how to get rid of a time share? @ join the journey thank you
@houseofhair1015 жыл бұрын
I really like your channel and I have shared it with others. I think you guys have great insight and I'm just looking for your honest opinion. I'm a single mom of one little girl who is 7. My issue is whether or not to buy a house. Yes I currently have debt. Unfortunately a lot of student loan debt, probably $80,000. I also have a few small credit cards and a vehicle that I owe somewhere about $9,000. (I'm currently at work so I don't have exact numbers in front of me). Things are a struggle but not terrible. I'm currently renting but would really like to purchase a small home because every year the amount they up my rent is getting out of hand. I'm finish up 6 yrs in my apartment and they are talking about uping my rent another $80 a month. I've already been pre-approved for a home but in order for me to buy I have to borrow some money from family. I have down payment but I need help with closing. Many people say renting is cheaper but I'm not at a point where this isn't the truth. Would you borrow the remaining amount from family, because my lease is almost up, and buy or would you stay renting?
@wmmarquez3 жыл бұрын
I am this one. Thank you for the enlightenment
@keithwalker72455 жыл бұрын
My sister and brother in law are house poor and spending way too much.
@OurRichJourney5 жыл бұрын
Keith Walker Unfortunately that is the norm. Hopefully they will realize they can break from the norm 🙏🏾
@chrishorwege14335 жыл бұрын
Good summary of worthwhile spending tips to avoid. Most anybody can benefit from watching your video.
@OurRichJourney5 жыл бұрын
Wow! Thank you so much Chris!
@chrishorwege14335 жыл бұрын
@@OurRichJourney You are welcome, and please continue what you're doing to keep us informed.
@jonathanmcgovern24645 жыл бұрын
So true. Society's buy mentality alas keeps most payck to payck. As I got raises last 3 years I didn't increase my overall spending. Living below means gives priceless peace of mind, options.
@OurRichJourney5 жыл бұрын
YES! That is the power of financial freedom and stability. Peace of mind and options. Thank you for expanding the conversation :-)
@johnpinheiro62114 жыл бұрын
BENVINDOS A pORTUGAL!!! HOW LONG DID IT TAKE FOR YOU TO GET TO THAT POSITION? TEM QUE COMEÇAR A APRENDER PORTUGUES ASAP!!!!
@rjahn30005 жыл бұрын
Took me until I was 50 to learn these lessons, you guys are way ahead in the game, sage advice great video:) I think I bought 15 cars in a 30 year period foolhardy.
@OurRichJourney5 жыл бұрын
Thank you so much for your kind words :-) 15 cars!!!! WOW! Out of the 15, what was your favorite? My favorite car was my 1966 Volkswagen beetle. It was yellow of course. Best thing about it was that I could fix it myself. Thanks again Ray!
@rjahn30005 жыл бұрын
@@OurRichJourney I had a 1971 beetle, fun car but my favorite was a 2005 mazda Miata a blast to drive. I retired 9 years ago and started being frugal I bought a used budget rental car for 7K and now have 157,000 miles on it. I will drive it one more year before I replace it with another "used" car.
@OurRichJourney5 жыл бұрын
@@rjahn3000 157K miles! WOW!
@rjahn30005 жыл бұрын
@@OurRichJourney I make sure to change the oil as required, it's been really economical to maintain just have some minor issues with window switches, it's not pretty to look at but very functional:) and gets me to the destination just as well as a BMW:)