As someone in their 30’s THANK YOU for saying before you’re in 40’s! Seeing tips for 20’s makes me feel like I’ve already missed the boat! (Totally understand teens/20’s need to hear the sound money advice)
1:06 #1 Budgeting 2:02 #2 Living on less than you make 3:38 #3 Being generous 5:35 #4 Setting money goals 7:18 #5 sleeping on big money decisions 8:10 #6 Talking about money with your spouse 9:26 #7 Investing consistently
Congratulations on the show. What a brilliant move by the Ramsey organization. This is the exact type of show that young people need to hear and see. Love Dave, but you'll do a great job it reaching younger audiences.
2022 was a hell of a year, I have made $350,000 before taxes as the sole breadwinner and head of household. This is a great starting point and I’m very aware how blessed we are to be in this position, but I’m always looking ahead on how to improve. I currently have $88K left in student loans (originally close to $150K) and very little credit card debt (less than $2K with more than $25K available). I have two auto loans totaling $170K for two electric vehicles at 5% interest. I will appreciate suggestions from anyone who has been in same shoes on how to go about them.
You may want to start somewhere different, like the snowball method, where you focus on one loan, usually the smallest one, and direct all of your resources to pay off that loan while maintaining payments on the others.
You want to work with a money coach or financial planner, although a financial planner will concentrate on long term, a money coach will help you with paying off all of your debts, maximize your cash flow and help you create systems and processes to direct your money proactively.
A financial adviser could help too to create a more holistic plan for your money. They can assist you in the creation of both short and long-term goals and then help you by giving guidance on the financial decisions and opportunities you are presented with.
I’ve honestly been considering going the route of an advisor, this current market is no jokes for the average retail investor, but do they really make any notable changes to a portfolio or am I better off on my own?
I've had type 1 diabetes since age 11. I'm 41 now and I have been planning for the last 20 years to retire at 55. My life expectancy isn't going to be 80. I don't want to die at my desk. I will have the freedom to opt out of work earlier if needed. It's worth not getting Starbucks (or as we call it, Fivebucks) everyday to have options just a few years from now.
My dad gave me a fixed allowance when I'm studying, no more no less. If I want to buy a toy, I got to starve myself. It didn't teach me how to work my arse off for money, but it sure did teach me how to budget every last cent I have. I appreciate that, but I feel like I have some scarcity mindset. 😅
@@rollakid I have also that mindset, but I combat it with the idea of "giving". I know that some percentage of my income will go for the red cross. So when I get up and I go to work I feel that I am doing something good with my money, and that makes you feel that somebody needs it, and your work is important... the scarcity mindset is hard to demolish but this helped me a lot
Because of budget mom and you guys I am doing a budget now! We have not spend on credit card since 5/23. That is a bigg deal for us soon much! Still it feels like going against the water, but you guys coming to my feeds in you tube are my prayers answer from asking God, (help me manage what You give us) generosity, it is a big step, It Hurts sooo much but it is probable what has keep us going through the blessing other people give to us. Also we realized how little we were giving to our church!
What he said in the first 2 minutes, is exactly why I love the envelope method. Each envelope has a name and amount in big letters and u and your money know its purpose. Do basic with white office envelopes or go fancy with the packs u can't get.. Envelope are cheaper and you can move over to bigger envelopes when the piles gets bigger and you can physically see it and touch it to remind u...
I wasn’t financial free until my 30’s and I’m still in my 30’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring!
Generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with *Mary Onita Wier* , An investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
@@ThomasChai05 I value your recommendations. It's challenging to locate a trustworthy person. I could really use your investment advisor after seeing how much money you've made through investing. If you don't mind revealing her information, that is.
Many lack access to insightful knowledge, causing anxiety due to information gaps. Personally, I've earned $35k in passive income with *Mary Onita Wier* , unaffected by market fluctuations.
Hey I found your videos a few days ago wow! My husband and I are in our mid 50’s and are now trying to get out of debt and on track seriously saving for our future. We are in the game later than some.and we can’t ever seem to stick to a plan!! Do you have advice for older people like us??? or Videos? A video like that would be awesome!
Read Total Money Makeover by Dave Ramsey and take Financial Peace University, Dave Ramsey's program. If you follow the steps, it will help you be debt free. Worked for me! Cheers!
I became debt free in April after a few short months of paying it off I'm working on saving for a new car but it's not happening fast enough so I picked up a part time job. Working on buying my mom's honda 2016 hrv from her and she'll hopefully end up in a toyota fj.
Love all of these habits! My wife and I (34 yrs old) have been doing the baby steps for about 5 years, started in debt with $50k net worth. Today it is $890k net worth and on baby step 7! On track to be baby step millionaires by mid-2025! We have 1 income, 4 young kids. Anything is possible, small good habits overtime compound to something great!
Avoid debt. Cut costs. Building wealth is in your mindset, work on that and your financial potentials becomes exponential, develop good habits like regularly putting money away in intervals for investments .The financial market has plenty of opportunities to earn.. I made my first million from passive investing in diverse assets with the help of my adviser Lisa Rosa Cavanagh..it's been a year of steady growth..
Another great video George with quality tips to set specific goals. But can we get to the important stuff? You need to take that ukelele off your back wall and play it somehow in one of these videos. sing it loud! :)
George, George, George. As a multi lingual person, you should know that there is always a reason for things. Like the G in lasagna. Why do you think the N sounds like the Spanish ñ! It’s the G in front of it! GN Italian says the same as NY in English or Ñ in Spanish.
The 7 habits: 1. Budget 2. Live on less than you make 3. Be generous 4. Set money goals 5. Sleep on big money decisions 6. Talk about money with your spouse 7. Invest consistently Wish you all the best in your financial, physical and mental endeavors 🙏
As someone in my 50’s who did put these into practice, it’s totally worth it. My things are not always the latest version but I have everything I need, can handle emergencies and won’t have to eat cat food when I’m 80!
George your positivity is unending and amazing! I'm 33 and almost out of debt. Been doing the Ramsey stuff out of order and obviously It only makes for so much gazelle intensity. I'm happy with how far I've come but like anybody I can improve. Still haven't set a true budget and I know that I need to. Little by little day by day improving
Agreed! Have a family member tuning 75 soon, still able to work, barely. Rents their home, gets very low social security and no retirement savings. The only plus is no car payment or debt. But what to do at that age? It’s hard to know.
Sleeping on it doesn't only work on money, lots of decisions are better made with a fresher mind, that has help me out a lot as to not be too impulsive and later regret
My struggle with the budget is this: I totally want to budget, but no matter how hard I work on my budget, unexpected expenses happen every month (I have 4 kids) and it negates my budget. I want it to work, but it ultimately ends up being a waste of my time. I've tried the app, too. I've been making good progress just being as tight as I can be, and at the end of the month, whatever's left (which is usually significant) I use for my debt snowball. Not ideal, not the way I wanted to do it, but it's working.
Sleeping on a big purchase decision might not always be a good idea, particularly if the one-of-a-kind perfect for you item you are buying has strong interest from another party. In most cases this would mean houses. I would re-phrase it by allowing your heart to grow desire over the course of time for this purchase and being financially prepared for the opportunity when it comes.
Life runs in seasons. If you have a season of bad debt or unaffordable living, giving any money is the most terrible advice you can possibly be given. Eliminate your debt, change your life to be affordable, and then the next season you can build your habit of giving. You do not have to do these things concurrently and it's bad advice to be encouraging people to do this.
Yeah I was thinking this myself. If you are in debt , 10% is a ridiculous amount to be given away. " Put your own oxygen mask on before you help anyone else"
@@malone77 If we look at how economics works in regards to how much a given amount of money is worth, let's say 200 dollars. Even if it's a percentage of income, 200 dollars to someone who makes 2000 is far far more valuable than the 10% of income someone who makes 8000 is. The less you have the more important every dollar is, percentage or not.
Yup it ended up the pool Can wait 3 years and no one will suffer for it, instead it’s going to be a great todo to reach, after goal 1 and goal 2 are done!
Another good habbit but not a money habbit is looking at spending to time ratio. This is more useful to subscriptions and services that you pay to use vs goods as you may be paying for 3 subscriptions but you only use 1 per month. Sure you may have the money to afford it and be well off but that is still money being wasted on a service that ou don't use.
Great video!! I am 29 years old and my husband and I are doing many of these things currently! I have a question related to pausing on paying into retirement while in Baby Step 2. As a California music teacher who pays into CALSTRS each paycheck, and I allowed by law or state to stop paying into CALSTRS?
In baby step 2, you stop contributing to any retirement accounts that you have control over. For example, you don't have control over your employer's pension fund, but you do have control over your 401K.
Charitable contributions are tax deductible if you itemize on a Schedule A form. Most folks do not itemize because the standard deduction is high enough that it is in their favor.
Is it 15% including whst your employer takes out for retirement? My job requires us to contribute 7% of our paycheck to retirement so i never see it. Should i put an additional 8% in the S&P500 or open a personal Roth IRA
Great points Mr. Kamel! And so very true. You become a millionaire one step at a time, and it starts with forming good habits around money. Mindfulness plays a key role in reaching long-term financial goals, and of course, that starts with a clear budget.
How do you guys keep track up expenses (budgeting)? Years ago when there were more cash payment options it was easier, but now with a lot of autopayments set up, using the envelope method is hard. e.i. my wife doesn't know when she will stop by the store and buy any groceries we may run out of, etc. Still working with the envelopes or use any app, is it there any trustful app to connect all my bank accounts?
I realized that the secret to making a million is making better investment. I bought my 1st home at 21 for 87k sold for 197k, 2nd home 170k and sold for 320k, 3rd 300k and sold for 589k and buyers paid all closing costs expenses etc Not making up to a million before retirement is unfulfilled retirement.!!
I started out with a financial advisor called *"Rochelle Dungca Schreiber"*. 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..
TAQUITOS!
THE KING DOTH RESPOND 👑
@@GeorgeKamelpeople do a Caleb Hammer and Ramsey personality collaboration!!!
^ First response Caleb's got in a minute (sorry Caleb, after your audit I had to)
Hey, Caleb Made it. And he just released todays episode👌
Caleb!!
As someone in their 30’s THANK YOU for saying before you’re in 40’s! Seeing tips for 20’s makes me feel like I’ve already missed the boat! (Totally understand teens/20’s need to hear the sound money advice)
Agree! I just turned thirty and wish I did this stuff in my twenties, buuut I didn't.
Amen, I sometimes feel left out too 😅
Amen!
Yes, thank 🎉 I’d like to know there’s hope for my 30s
I feel the same!
1:06 #1 Budgeting
2:02 #2 Living on less than you make
3:38 #3 Being generous
5:35 #4 Setting money goals
7:18 #5 sleeping on big money decisions
8:10 #6 Talking about money with your spouse
9:26 #7 Investing consistently
Thanks 😊
You are the MVP! Thank you. 😉
🏆
Watching Caleb Hammer is a good habit before and after your 40s.
Pack your lunch for work! Every day. Saves thousands each year
George, please DON'T give up your day job. Your videos are hysterical!
Lasagna! Having that for dinner tonight! First time making it from scratch. Wish me luck, y'all!
Congratulations on the show. What a brilliant move by the Ramsey organization. This is the exact type of show that young people need to hear and see. Love Dave, but you'll do a great job it reaching younger audiences.
2022 was a hell of a year, I have made $350,000 before taxes as the sole breadwinner and head of household. This is a great starting point and I’m very aware how blessed we are to be in this position, but I’m always looking ahead on how to improve.
I currently have $88K left in student loans (originally close to $150K) and very little credit card debt (less than $2K with more than $25K available). I have two auto loans totaling $170K for two electric vehicles at 5% interest. I will appreciate suggestions from anyone who has been in same shoes on how to go about them.
You may want to start somewhere different, like the snowball method, where you focus on one loan, usually the smallest one, and direct all of your resources to pay off that loan while maintaining payments on the others.
You want to work with a money coach or financial planner, although a financial planner will concentrate on long term, a money coach will help you with paying off all of your debts, maximize your cash flow and help you create systems and processes to direct your money proactively.
I have thought about this, but what is the major difference between a money coach & financial advsior?
A financial adviser could help too to create a more holistic plan for your money. They can assist you in the creation of both short and long-term goals and then help you by giving guidance on the financial decisions and opportunities you are presented with.
I’ve honestly been considering going the route of an advisor, this current market is no jokes for the average retail investor, but do they really make any notable changes to a portfolio or am I better off on my own?
Let’s get George Kamel a Caleb Hammer Mug!
Taquitos!
Love the Caleb Hammer shout out :)
I've had type 1 diabetes since age 11. I'm 41 now and I have been planning for the last 20 years to retire at 55. My life expectancy isn't going to be 80. I don't want to die at my desk. I will have the freedom to opt out of work earlier if needed. It's worth not getting Starbucks (or as we call it, Fivebucks) everyday to have options just a few years from now.
George, please get in contact with Caleb Hammer so we can see you two debate back and forth for his million subscribers special
My dad always gave me a budget for everything 😂 i am grateful for those life lesons made realize how it is 😮
My dad gave me a fixed allowance when I'm studying, no more no less. If I want to buy a toy, I got to starve myself.
It didn't teach me how to work my arse off for money, but it sure did teach me how to budget every last cent I have. I appreciate that, but I feel like I have some scarcity mindset. 😅
Well, you should take that money and make it grow.
@@rollakid I have also that mindset, but I combat it with the idea of "giving". I know that some percentage of my income will go for the red cross. So when I get up and I go to work I feel that I am doing something good with my money, and that makes you feel that somebody needs it, and your work is important... the scarcity mindset is hard to demolish but this helped me a lot
We love you George.
I use every dollar for my budgeting ... I was using an excel spreadsheet, but absolutely love using the app
Because of budget mom and you guys I am doing a budget now! We have not spend on credit card since 5/23. That is a bigg deal for us soon much! Still it feels like going against the water, but you guys coming to my feeds in you tube are my prayers answer from asking God, (help me manage what You give us) generosity, it is a big step, It Hurts sooo much but it is probable what has keep us going through the blessing other people give to us. Also we realized how little we were giving to our church!
Caleb's voice going into squeaky mouse mode when he feels his client is being an idiot is hysterical
I hope a big chunk of your budget goes to your editors.
Videos are el fuego
I'm so here for the Caleb Hammer taquitos jokes😂😂😂
Love your sense of humor, George! Have a great weekend.
What he said in the first 2 minutes, is exactly why I love the envelope method. Each envelope has a name and amount in big letters and u and your money know its purpose.
Do basic with white office envelopes or go fancy with the packs u can't get.. Envelope are cheaper and you can move over to bigger envelopes when the piles gets bigger and you can physically see it and touch it to remind u...
I wasn’t financial free until my 30’s and I’m still in my 30’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring!
Nice one . Any investment tip?. I would love to know how you made it this far
Generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with *Mary Onita Wier* , An investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
@@ThomasChai05 I value your recommendations. It's challenging to locate a trustworthy person. I could really use your investment advisor after seeing how much money you've made through investing. If you don't mind revealing her information, that is.
Many lack access to insightful knowledge, causing anxiety due to information gaps. Personally, I've earned $35k in passive income with *Mary Onita Wier* , unaffected by market fluctuations.
Thanks, I just googled her I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
Hey
I found your videos a few days ago wow! My husband and I are in our mid 50’s and are now trying to get out of debt and on track seriously saving for our future. We are in the game later than some.and we can’t ever seem to stick to a plan!! Do you have advice for older people like us??? or Videos? A video like that would be awesome!
Read Total Money Makeover by Dave Ramsey and take Financial Peace University, Dave Ramsey's program. If you follow the steps, it will help you be debt free. Worked for me! Cheers!
I became debt free in April after a few short months of paying it off I'm working on saving for a new car but it's not happening fast enough so I picked up a part time job. Working on buying my mom's honda 2016 hrv from her and she'll hopefully end up in a toyota fj.
One of my favorite channels! Thank you! 👍👍
My 7 year old son watched your video with me and he approved!!! 😂
Your vids are my fav. Please come to Springfield MO someday. We have the mother of all bass pro shops and 2023’s #1 aquarium.
Budgeting actually helps me so much.
You get a like just for the Seinfeld clip alone. Your humor is appreciated as are the actual tips. Thanks!
Another Awesome Video! Well done George
Love these videos cracks me up while learning lots, notes taken !
Love all of these habits! My wife and I (34 yrs old) have been doing the baby steps for about 5 years, started in debt with $50k net worth. Today it is $890k net worth and on baby step 7! On track to be baby step millionaires by mid-2025! We have 1 income, 4 young kids. Anything is possible, small good habits overtime compound to something great!
I want to be a Kamel when I grow up.
Also, this video comes too late in my life, I'm already well in my 40s.
Never too late, salvage the best you can of your situation !!!
Spot on !!! Great stuff👍👊💪
Another one is to surround yourself with likeminded people. It is inevitably going to motivate you 🙂
Button hit, comment commented. Loving this content George! Appreciate you!
Omg, best Ramsey segment ever!!
George you always make me laugh out loud! 😂 Awesome!
Avoid debt. Cut costs. Building wealth is in your mindset, work on that and your financial potentials becomes exponential, develop good habits like regularly putting money away in intervals for investments .The financial market has plenty of opportunities to earn.. I made my first million from passive investing in diverse assets with the help of my adviser Lisa Rosa Cavanagh..it's been a year of steady growth..
I learnt to stay consistent and focussed if you want to achieve your goals.
I looked up Lisa Rosa Cavanagh on the internet out of curiosity; she has a strong résumé.
Truly It's all about using assets with compound interest to amass riches.
did a quick search and found her webpage. I must say her resume is pretty impressive.. will be writing her too
Omg so funny you put the out of my butt clip 😂! I quote that weekly
Shouout to Caleb Hammer
Dang -i am 39... and pike and buffy memories
I love your videos. Keep going ❤
Another great video George with quality tips to set specific goals. But can we get to the important stuff? You need to take that ukelele off your back wall and play it somehow in one of these videos. sing it loud! :)
George, George, George. As a multi lingual person, you should know that there is always a reason for things. Like the G in lasagna. Why do you think the N sounds like the Spanish ñ! It’s the G in front of it! GN Italian says the same as NY in English or Ñ in Spanish.
Oh wow!
Another great video thanks love them keep them coming and keep me saving 😂👏🏾👍🏾👊🏽
I’m 42 already…
But these habits can still work.
The Caleb Hammer reference 😂😂
I'm 35 and appreciate this video!!
Same!
The 7 habits:
1. Budget
2. Live on less than you make
3. Be generous
4. Set money goals
5. Sleep on big money decisions
6. Talk about money with your spouse
7. Invest consistently
Wish you all the best in your financial, physical and mental endeavors 🙏
As someone in my 50’s who did put these into practice, it’s totally worth it. My things are not always the latest version but I have everything I need, can handle emergencies and won’t have to eat cat food when I’m 80!
😮💨 pheww right on time .. still under 40
Same🎉
The BIG credit to Rachel for the quote made me laugh out loud after watching SMHH!!! 😂😂
I'M rolling. George is so funny 🤣 😂 😆
George your positivity is unending and amazing! I'm 33 and almost out of debt. Been doing the Ramsey stuff out of order and obviously It only makes for so much gazelle intensity. I'm happy with how far I've come but like anybody I can improve. Still haven't set a true budget and I know that I need to. Little by little day by day improving
At this point I’m convinced they right the script around the memes and clips 😂
Very helpful advice. Also, prongles makes me think they’re prawn flavoured….?
At 36 this is useful thank you
Great video!❤
Love your videos! ❤😂
Ramsey clip:
Dave: Where did you get that number?
Caller: Out of my butt?
Rachel: (Dying on camera)
I loved your character on Freaks and Geeks!
Love my brother George! ❤
Can you do the same topic for in ur 60s or 70s. It’s never too late, right?
Agreed! Have a family member tuning 75 soon, still able to work, barely. Rents their home, gets very low social security and no retirement savings. The only plus is no car payment or debt. But what to do at that age? It’s hard to know.
Sleeping on it doesn't only work on money, lots of decisions are better made with a fresher mind, that has help me out a lot as to not be too impulsive and later regret
The g in lasagne gives it the y sound. You contradicted yourself accidently George 😂
My struggle with the budget is this: I totally want to budget, but no matter how hard I work on my budget, unexpected expenses happen every month (I have 4 kids) and it negates my budget. I want it to work, but it ultimately ends up being a waste of my time. I've tried the app, too. I've been making good progress just being as tight as I can be, and at the end of the month, whatever's left (which is usually significant) I use for my debt snowball. Not ideal, not the way I wanted to do it, but it's working.
This is his side hustle, lol.
Future Millionaires… Thats Very Stimulating!! Keep Investing My Friends. Tom Cruise running made my day!😂
Love your videos
InshaAllah Thank you brother.
Sleeping on a big purchase decision might not always be a good idea, particularly if the one-of-a-kind perfect for you item you are buying has strong interest from another party. In most cases this would mean houses. I would re-phrase it by allowing your heart to grow desire over the course of time for this purchase and being financially prepared for the opportunity when it comes.
My 7 habits our the baby steps lol
Life runs in seasons.
If you have a season of bad debt or unaffordable living, giving any money is the most terrible advice you can possibly be given.
Eliminate your debt, change your life to be affordable, and then the next season you can build your habit of giving.
You do not have to do these things concurrently and it's bad advice to be encouraging people to do this.
Yeah I was thinking this myself. If you are in debt , 10% is a ridiculous amount to be given away.
" Put your own oxygen mask on before you help anyone else"
@@malone77 If we look at how economics works in regards to how much a given amount of money is worth, let's say 200 dollars. Even if it's a percentage of income, 200 dollars to someone who makes 2000 is far far more valuable than the 10% of income someone who makes 8000 is.
The less you have the more important every dollar is, percentage or not.
@@loveinthevalley absolutely. Couldn't agree more.
@@loveinthevalleygreat point! Never thought of it that way. I am a very generous person and love to help out others
@@egr3071 every foliar in intereat you pay from not paying off your debt faster is a dollar you never get back, and a dollar you can never give.
Yup it ended up the pool Can wait 3 years and no one will suffer for it, instead it’s going to be a great todo to reach, after goal 1 and goal 2 are done!
Another good habbit but not a money habbit is looking at spending to time ratio. This is more useful to subscriptions and services that you pay to use vs goods as you may be paying for 3 subscriptions but you only use 1 per month. Sure you may have the money to afford it and be well off but that is still money being wasted on a service that ou don't use.
George though
Also I hear you talking about (side hussle) ...where I live you could get into alot of trouble without insurance to walk someone elses dog...?
Your video editing kills me. 🤣🤣🤣
George, I feel like the super duty poke was directed at me……😂
Great video!! I am 29 years old and my husband and I are doing many of these things currently!
I have a question related to pausing on paying into retirement while in Baby Step 2. As a California music teacher who pays into CALSTRS each paycheck, and I allowed by law or state to stop paying into CALSTRS?
In baby step 2, you stop contributing to any retirement accounts that you have control over. For example, you don't have control over your employer's pension fund, but you do have control over your 401K.
Great video with great tips , can you tell us if being generous in the ways you said can have a tax benefit or is it only for the feeling of giving
Charitable contributions are tax deductible if you itemize on a Schedule A form. Most folks do not itemize because the standard deduction is high enough that it is in their favor.
@@donnahampton3632 thank you !
I’ll do all besides 3:38. But, giving 10% of energy satisfies #3?
Is it 15% including whst your employer takes out for retirement? My job requires us to contribute 7% of our paycheck to retirement so i never see it. Should i put an additional 8% in the S&P500 or open a personal Roth IRA
Does you job match your contributions?
@@rayzee0285 unfortunately not until I've vested. Which is 5 years. I'm in my second year
Great points Mr. Kamel! And so very true. You become a millionaire one step at a time, and it starts with forming good habits around money. Mindfulness plays a key role in reaching long-term financial goals, and of course, that starts with a clear budget.
Nice post & advice but PRONGLES omg no way that exists yuk
Spend your money preventing problems. Fixing issues after failure to prevent them is called being Penny wise but pound foolish.
Your “Faith “ aka 10% to the lord !
How do you guys keep track up expenses (budgeting)? Years ago when there were more cash payment options it was easier, but now with a lot of autopayments set up, using the envelope method is hard. e.i. my wife doesn't know when she will stop by the store and buy any groceries we may run out of, etc. Still working with the envelopes or use any app, is it there any trustful app to connect all my bank accounts?
Are you tithing as a result of old testament practice?
"HHNNGTHAT'S A LOT OF DAMAGE"
I should not have taken a swig of milk right before that, but well played, fam.
I'm not buying a used Corvette. I'm not buying a used Corvette. I'm not buying a used Corvette. Ok I feel better now.
Giving up 10% while still in debt sounds ridiculous
You forgot travel hacking 😂
I realized that the secret to making a million is making better investment. I bought my 1st home at 21 for 87k sold for 197k, 2nd home 170k and sold for 320k, 3rd 300k and sold for 589k and buyers paid all closing costs expenses etc Not making up to a million before retirement is unfulfilled retirement.!!
I started out with a financial advisor called *"Rochelle Dungca Schreiber"*. 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..
Caleb is awesome! He's exactly what the younger generation needs because they aren't listening to Dave Ramsey (unfortunately)
There's a reason it's pronounced la-zan-ya and not la-zana. That reason is the letter g.
I do try to follow the babby steps etc, but I wounder what ramsey team would say about my countrys wealth tax😅
My daddy said always wait 24 hours before making a big emotional purchase
LMAO THE DAVE MEME IM DEAD
r.i.p