You were missed! :) Congrats on all your accomplishments this year! I think a lot of us struggle with debt so hearing you talk freely about it and give real tips is so appreciated and helpful!
Thank you!! Yes I think you’re right - a lot of us have debt of some sort!! I had it for years and always did the minimum payments. Feels so good to see it dwindle!
@@mustl0veshoes you look amazing girly! So happy that you're doing well. Miss your videos...especially your storytimes. Love all your DIY's!! Do you have anymore rooms in your house that you're DIY'ing?
Your videos are always so real and honest which I like. You give great advice based on your life experiences and I think people can really appreciate that.
Congrats on the weight loss! I wanted to lose 11 pounds this year, and I went from 167 to 155 in nine months. Also I am also looking to improve my finances, I look forward to starting my financial independence journey
I know I’m going to sound like an idiot, but I still don’t fully understand the investing part you were talking about. Thank you for all your tips, though! They’re super helpful. Also, congratulations on all your accomplishments girl! 🎉💗
You don't sound like an idiot! It can be so confusing! I posted a link to this guy that I watch in description, he's a millionaire but he's very down to earth. He explains the Roth IRA in detail. It's worth learning about for sure!
So happy you uploaded!! Cant wait for the patio update! I’m designing a new office space for myself, opening in March so I’m looking for some inspo. I’ve been on a debt free journey since Jan. it’s hard but feels so good to watch my balances deplete!!
I cannot waaait for your videos to come! Especially money tips, but def your weight loss journey, and house DIYs! You're one of my fav UA-camrs bc you remind me a lot of one of my best friends and super down to earth (from what I see coming thru on the screen) lol
I want to buy a house in the next 5 years. Nothing fancy, just a cute little 2br for me and my son. Thanks for the financial information. When I go to get a loan, I’m going to advocate for myself to get a low interest rate with my good credit.
Love to see it!!! Yes girl, make sure you have the down payment and with decent credit you can get a low interest rate! We got tricked with a special program where they told us we didn't need to put a down payment (didn't disclose that they rolled it into the loan) and gave us a crazy high interest rate. Save the down payment and get that low rate queen!
@@TaybearXD I would aim for 20% if you can! It sounds like a lot but will give you way more options in the long run and will only lower your payment. Not a bad thing at all!
Found out a few weeks ago that Roth IRA is great because you are taxed now when in a lower tax bracket vs being taxed when you retire in higher tax bracket with traditional 401k. Great advice!
Girl thank you so much for explaining the Roth IRA I was thinking about doing it. I’m 41 and have no retirement saved up. I wish I would have started sooner
Congrats on your debt free journey progress! That’s awesome! I love it. I have also been uninspired to make any content lately too. Gotta get back on it. Can’t wait to see your patio video!
Hey girl! Thank you for posting this video, I know it seems like a simple one but it makes me happy seeing you happy. I always love watching your videos because I feel like I’m watching a real person living a real life and that means a lot to us normal people. I can’t wait for more house videos or whatever you are planning on doing! I’m wishing you the best. Much love, D 💚❤️
Omg thank you!! This made me tear up!! I’m so normal it’s not even funny 😂 I just feel like when I find out info like this I wanna share it with my friends!! I promise I will always keep it real 🥰
So glad you are doing well and thriving girly we did the same thing we refinanced our house and have been saving a ton! Love this video thank you so much for the advice and help! 💕☘️🥰
Yes! Beautiful babe, beautiful house, beautiful life! Love this update, so happy for you working to live your life for you ❤️ I'm also on a debt free journey, you inspire me so much!
You look amazing and glowing! So happy for you :) 2021 is definitely going to be my year to get financially free. Leaving behind my nice city apt and moving back home with my parents to pay off debts. I think COVID made everyone more financially aware.
I got engaged too not that long ago! Back in December on the 23rd :), a few months ago. Plan on getting married in September of 2023. Congratulations! 🍾👰♀️💍
Glad you are doing well, and it’s really inspiring that you’ve saved and invested your money. My husband and I are still super young (22) and we want to save money sooner than later, so this was a helpful video. We are also hoping to move to his home state of Florida soon, from my home state Missouri. I’m scared but excited, as I’ve never lived outside of Missouri. Could you do more videos about Florida please? 😁💓
That is awesome! Start the Roth IRA now, I promise you'll be so so glad you did. The compound interest is all about length of time, so the sooner the better. Even if you put $1k in and add a few hundred a year. I wish I started mine when I was 18 - I could have retired early!! Also, yes I can make another Florida video! I love it here
Great to see you!!! Glad you’re doing amazing Meg 🎉❤️ Keep it up 👍🏻 My husband and I are on a getting out of debt journey as well and then saving to buy a bigger home.
My husband and I just bought a house in August and my 2.6% interest rate just shed a tear for your 5.6%. Interest rates are the weirdest things but I’m so glad you were able to refinance! 2.8 is what we were quoted at but it went down before closing.
That is awesome! We had almost no down payment at the time, so that's how they roped us in. Lied to us and told us it was basically the same as PMI..... it's sooo not lol. But we learned our lesson and only paid that for a year, so we're very happy to get such a low rate now! Congrats on the awesome rate! Now is the best time ever for getting a mortgage
@@mustl0veshoes Yes it helps a ton! I’ve been meaning to open my Roth IRA but have been being lazy, now this gives me the kick in the pants that I need! 🥾
Girl, 5.6% interest rate is historically very, very low! Good on you for getting a better rate, but know that rates are historically far lower than they've ever been.
You go girl! And where do you live? LA? Because the weather is perfection. Maybe I just feel that way because it’s cold and gloomy and rainy here on the east coast (Md).
Meg Cat I was also wondering how the heck your mortgage was that in LA! Haha I’m in Maryland, my plan is to move to Fl or Georgia in the next 3 years. Are you central, east or west coast?
Yes it was! Like I said, they made it sound like it wasn't so bad - but we learned later how abnormally high it was. We now have 2.8% so we are pumped!
So this is embarrassing, but I didn’t even know normal people like myself could even invest money or buy stocks. I literally thought you had to be super rich to do that. So definitely going to be researching. But also kind of embarrassed at how stupid I am about that LOL
DON'T be embarrassed. They don't teach us this in school because they want the rich to stay rich and for the middle/lower class to stay that way. I wish I started when I was 18 but it's still going to be a significant amount of money when I retire if I keep it up
You were missed! :) Congrats on all your accomplishments this year! I think a lot of us struggle with debt so hearing you talk freely about it and give real tips is so appreciated and helpful!
Thank you!! Yes I think you’re right - a lot of us have debt of some sort!! I had it for years and always did the minimum payments. Feels so good to see it dwindle!
You look great, love outdoor space looks cool, glad you have saved money on your mortgage, go girl!!
Thanks so much beautiful!! I can't wait to upload this one!
@@mustl0veshoes you look amazing girly! So happy that you're doing well.
Miss your videos...especially your storytimes.
Love all your DIY's!! Do you have anymore rooms in your house that you're DIY'ing?
Thank you so much love!! Yes I actually have 2 more rooms in my house I need to do! I always get bored so there's always something to do :)
One of like 3 UA-camrs that I actively type into the search bar to watch their videos. Been here like 6 years and still love Meg's vids! 🧡
You're so so sweet!! Thank you so much for supporting me all of these years
Your videos are always so real and honest which I like. You give great advice based on your life experiences and I think people can really appreciate that.
Thank you so much! Sometimes I feel like I’m tmi 😂
I just love how honest and open you’ve always been. It’s so refreshing! Looking forward to more videos!
Thank you so much!! I am too honest sometimes to the point of TMI but that's what I like from people too :) Gotta keep it real
Congrats on the weight loss! I wanted to lose 11 pounds this year, and I went from 167 to 155 in nine months. Also I am also looking to improve my finances, I look forward to starting my financial independence journey
That is awesome! Congrats!!
I know I’m going to sound like an idiot, but I still don’t fully understand the investing part you were talking about. Thank you for all your tips, though! They’re super helpful. Also, congratulations on all your accomplishments girl! 🎉💗
You don't sound like an idiot! It can be so confusing! I posted a link to this guy that I watch in description, he's a millionaire but he's very down to earth. He explains the Roth IRA in detail. It's worth learning about for sure!
So happy you uploaded!! Cant wait for the patio update! I’m designing a new office space for myself, opening in March so I’m looking for some inspo. I’ve been on a debt free journey since Jan. it’s hard but feels so good to watch my balances deplete!!
Thank you so much gorgeous! Yesss it sucks paying off debt but it's sooo nice when you get that zero balance!! Get it girl
I cannot waaait for your videos to come! Especially money tips, but def your weight loss journey, and house DIYs! You're one of my fav UA-camrs bc you remind me a lot of one of my best friends and super down to earth (from what I see coming thru on the screen) lol
OMG this is so sweet, thank you so much! I try to just keep it as real as possible and share things that I find help me!
Yes girlfriend, so glad to see u post, glad u took time for self care ! Nice to see u back, ❤
Thank you so much!!
I want to buy a house in the next 5 years. Nothing fancy, just a cute little 2br for me and my son. Thanks for the financial information. When I go to get a loan, I’m going to advocate for myself to get a low interest rate with my good credit.
Love to see it!!! Yes girl, make sure you have the down payment and with decent credit you can get a low interest rate! We got tricked with a special program where they told us we didn't need to put a down payment (didn't disclose that they rolled it into the loan) and gave us a crazy high interest rate. Save the down payment and get that low rate queen!
@@mustl0veshoes what would you recommend saving for a down payment?
@@TaybearXD I would aim for 20% if you can! It sounds like a lot but will give you way more options in the long run and will only lower your payment. Not a bad thing at all!
Found out a few weeks ago that Roth IRA is great because you are taxed now when in a lower tax bracket vs being taxed when you retire in higher tax bracket with traditional 401k. Great advice!
Good point! :)
Girl thank you so much for explaining the Roth IRA I was thinking about doing it. I’m 41 and have no retirement saved up. I wish I would have started sooner
No problem love! Better late than never!! :D
Congrats on your debt free journey progress! That’s awesome! I love it. I have also been uninspired to make any content lately too. Gotta get back on it. Can’t wait to see your patio video!
Thank you love!! Can’t wait to see that zero balance!! Your videos are so helpful
I was just thinking about you yesterday! Glad to see you, girl!💜
Thank you love!! I've missed you!
@@mustl0veshoes 🤗💖💖💖
Hey girl! Thank you for posting this video, I know it seems like a simple one but it makes me happy seeing you happy. I always love watching your videos because I feel like I’m watching a real person living a real life and that means a lot to us normal people. I can’t wait for more house videos or whatever you are planning on doing! I’m wishing you the best. Much love, D 💚❤️
Omg thank you!! This made me tear up!! I’m so normal it’s not even funny 😂 I just feel like when I find out info like this I wanna share it with my friends!! I promise I will always keep it real 🥰
So happy for you! You're kicking ASS girl! ❤
So glad you are doing well and thriving girly we did the same thing we refinanced our house and have been saving a ton! Love this video thank you so much for the advice and help! 💕☘️🥰
Thank you!! You and the mans need to come watch a game with us on our new projector screen!
Love this video! I’m about to start saving for all my goals and to pay off my debt. I’m so ready to get this going!
You got this mama!! 🙌🏼
@@mustl0veshoes thanks so so much! I’m a single mom and I just want the best life for my son and I 💙💙
ahh welcome back! so good to see you!
Thank you!! I missed you! :D
Love this! It’s great to hear that your doing so well!
Thank you!! 😊 I hope you are too
Yes! Beautiful babe, beautiful house, beautiful life! Love this update, so happy for you working to live your life for you ❤️ I'm also on a debt free journey, you inspire me so much!
Oh thank you so much I love you!!
I have also saved so much money its crazy but for the people who took advantage of the situation its really easy to save money.
So glad to see you’re back and hopefully doing better then ever 💗😋
It's good to see you back I've missed seeing your vids 😘😘 you're looking well xx
Thank you so much my love!!
@@mustl0veshoes ❤️❤️
You look amazing and glowing! So happy for you :) 2021 is definitely going to be my year to get financially free. Leaving behind my nice city apt and moving back home with my parents to pay off debts. I think COVID made everyone more financially aware.
Yes I love to hear that!! You will save so much money
That thumbnail is everythinggg
Bean is the star :D
@@mustl0veshoes his face says “I take no bullshit” 💕
I genuinely look up to you a lot. I feel like you are so smart w money!
Oh my gosh thank you!! I never was good with money until recent years, it definitely takes some learning
I got engaged too not that long ago! Back in December on the 23rd :), a few months ago. Plan on getting married in September of 2023. Congratulations! 🍾👰♀️💍
Glad you are doing well😊😊😊😊
Thank you! Hope you are too! 😊
You look so great and happy! Thanks for sharing the info, I needed that ha 😊
Glad you are doing well, and it’s really inspiring that you’ve saved and invested your money. My husband and I are still super young (22) and we want to save money sooner than later, so this was a helpful video. We are also hoping to move to his home state of Florida soon, from my home state Missouri. I’m scared but excited, as I’ve never lived outside of Missouri. Could you do more videos about Florida please? 😁💓
That is awesome! Start the Roth IRA now, I promise you'll be so so glad you did. The compound interest is all about length of time, so the sooner the better. Even if you put $1k in and add a few hundred a year. I wish I started mine when I was 18 - I could have retired early!! Also, yes I can make another Florida video! I love it here
You looking good❣️❣️ Cute puppy❣️❣️Keep up the good work:)
Thank you so much 🤗
I am soooo happy youre back on UA-cam!!!!!
You look amazing❤️❤️❤️❤️
Thank you angel!! Happy to be back!
Great to see you!!! Glad you’re doing amazing Meg 🎉❤️ Keep it up 👍🏻 My husband and I are on a getting out of debt journey as well and then saving to buy a bigger home.
Thank you!! That is so awesome!! Good luck on your goals love!
Nice video and your dog is soo cute. New friend here.
Thank you so much 🤗
My husband and I just bought a house in August and my 2.6% interest rate just shed a tear for your 5.6%. Interest rates are the weirdest things but I’m so glad you were able to refinance! 2.8 is what we were quoted at but it went down before closing.
That is awesome! We had almost no down payment at the time, so that's how they roped us in. Lied to us and told us it was basically the same as PMI..... it's sooo not lol. But we learned our lesson and only paid that for a year, so we're very happy to get such a low rate now! Congrats on the awesome rate! Now is the best time ever for getting a mortgage
so proud of you!
You look so good!! So glad you’re back and doing well!! 💗
Thank you so much!! Hope you are doing well too my love! 🥰
you look amazing 😍 and congratulations girl!!!
Thank you so much!!
That’s a great tip for the Roth IRA. Which company did you go with? Fidelity or Vangaurd?
I use Vanguard! Invested in the VTI ETF for now until I can afford the $3k minimum to put it all in VTSAX. Hope that helps!
@@mustl0veshoes Yes it helps a ton! I’ve been meaning to open my Roth IRA but have been being lazy, now this gives me the kick in the pants that I need! 🥾
Girl, 5.6% interest rate is historically very, very low! Good on you for getting a better rate, but know that rates are historically far lower than they've ever been.
I know historically, but at the time they were around 3%… so it was a big difference. I don’t know about you, but $100,000 is a lot of money to me!
Killing it girl!
Ahhhhh you hearted my comment im flipping out!!! 😂😂😂 yassssss 👏🏼
Always!!
You go girl! And where do you live? LA? Because the weather is perfection. Maybe I just feel that way because it’s cold and gloomy and rainy here on the east coast (Md).
Oh nooo I could not live in LA!! I live in Florida! 🌞
Meg Cat I was also wondering how the heck your mortgage was that in LA! Haha I’m in Maryland, my plan is to move to Fl or Georgia in the next 3 years. Are you central, east or west coast?
@@jennifercate8996 I'm on the west coast!! Love itttt. We never really worry about hurricanes over here. Tampa area!
Meg Cat that is EXACTLY where I want to be, Tampa area. The gulf is gorg!
Bean and nugget 😊❤️
You look so cute!!! Yay for making yourself happy💛((-:
Thank you!! Hope you are well my love!
I paid off my car loan yesterday 😭😭😭. I feel so accomplished hahaha
Yesssss get it get itt 🙌🏼
We miss you! 💕
You look amazing!😍
Aw thank you so much gorgeous!!
You remind me of Griselda Blanco the black window cocaine dealer with that hat on. But more badass lol glad to see you're doing well🤙🤙🤙
LMAO I love that for me hahaha
Damn some people are really mad at you for being happy and making big moves in your life! So sad! Those two thumb downs 🤯🤯🤯
lol there are people subscribed to me just to dislike my videos! It’s pretty embarrassing how much I must live in their head rent free 😂😂
Damn girl your interest rate was high. I think our is 3.5%. My husband and I got married in August
Yes it was! Like I said, they made it sound like it wasn't so bad - but we learned later how abnormally high it was. We now have 2.8% so we are pumped!
🧡🧡
Great video and advice. I’ve been looking into investment too. Thank you!
Thank you so much!! I wish I had started earlier, compound interest is all about time! But better late than never :)
So this is embarrassing, but I didn’t even know normal people like myself could even invest money or buy stocks. I literally thought you had to be super rich to do that. So definitely going to be researching. But also kind of embarrassed at how stupid I am about that LOL
DON'T be embarrassed. They don't teach us this in school because they want the rich to stay rich and for the middle/lower class to stay that way. I wish I started when I was 18 but it's still going to be a significant amount of money when I retire if I keep it up
tru