32-Year-Old Turns Regular Job into MASSIVE Savings!
Вставка
- Опубліковано 11 лип 2024
- 🔥Meet Andrea, a 32-year-old who has built an impressive savings through dedication and hard work in her regular job. Her journey hasn't been easy, as she has had to overcome significant challenges along the way. Today, she stands ready to leverage her savings to pursue an entrepreneurial venture, gaining the freedom she has always dreamed of.
🔔Subscribe for more Finance Action: / @itsromainfaure
-----------------------
👌Resources I use/would use (with discounts/sign-up bonuses):
1) Build your Credit by Paying Regular Bills: No credit check. No interest. No deposits. clickurl.ca/Romain-Stellarfi *affiliate link
2) CourseCareers: Get qualified for a better job and increase your income: coursecareers.com/a/RomainFaure *affiliate link
3) Earn Points Paying for your Rent (Credit Card): Join the ONLY Loyalty Program that rewards you for paying rent. Terms & Conditions Apply: clickurl.ca/Romain-Bilt *affiliate link
5) Capitalize: They will find and move all your old 401(k)s for FREE by following my link clickurl.ca/Romain-Capitalize *affiliate link
5) Upside: Free App that gets you Cash Back on Gas and other Errands, sign up and get an extra $15c/gal bonus when using promo code 4P73V5 upside.app.link/4P73V5
6) Where I invest on T-Bills (Treasuring Bills): Earn a 5.3% Yield with Zero State and Local Taxes Terms & Conditions Apply: share.public.com/Romain24732
-----------------
🕒TIMESTAMPS🕒
0:00 PARTY STARTS
01:19 WHAT THE HECK IS GOING ON?
3:05 HUSBAND WAS HIDDING $200K DEBT!
6:28 SHE WAS AT RISK OF LOSING IT ALL!
9:33 $1 MILLION CHEATING CLAUSE
13:10 INCOME & ASSETS
17:33 IRA JACKPOT!
19:38 DIAMOND ASSET!
23:53 EXPENSES & DEBT
29:24 BEST TRAVEL FINANCE HACK!
35:14 MONEY CASE
38:40 WHAT WOULD I DO?
44:16 THE RIGHT WAY TO SET UP BUSINESS
50:20 IS IT THE RIGHT TIME?
52:53 HER FINAL WORDS
54:39 DID SHE TAKE ACTION?
#financeaction #financialfreedom #itsromainfaure
⚡️ Follow us on TikTok - / itsromainfaure
📸 Follow us on Instagram - / itsromainfaure
📖 Like us on Facebook - profile.php?...
Want to be on Financial Action and you're able to film in the Las Vegas area? Email me at romainfaurechannel@gmail.com
Business Inquiries: romainfaure@creatorsagency.co
Editor: Danica Studioso (www.danicaedits.com/)
My STUDIO GEAR: amzn.to/3ISLAxC
▬▬▬▬▬▬▬▬▬▬▬▬
Disclaimer: Please be aware that this video and all other content produced by Romain Faure are not intended to serve as investment guidance or formal financial advice. The information presented is solely for entertainment and educational objectives. The money displayed in our video podcast is for entertainment purposes only and is not real currency. All cash shown is prop money, and should not be mistaken for genuine legal tender. Please enjoy our content responsibly!
▬▬▬▬▬▬▬▬▬▬▬▬
Financial education, Finance Action, American debt, personal finance, budget money debt cash, how to invest in real estate, how to start in real estate, rental property, investment property, compound interest, buying house, insurance, save, buy, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, financial independence retire early, how to pay off student loans fast, debt payoff, how to make money, get rich quick, get rich, make money online, net worth, loans, credit score, should I go to college, college debt, student loan forgiveness, debt free community, student loan, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, car payments, credit card debt, debt, credit card, payday loans, car debt, The Dave Ramsey Show, The Plain Bagel, The Rich Dad Channel, Graham Stephan, Meet Kevin, Ryan Pineda, Elena Taber, Noelle Randall, Lili Thompson, John Olfert, Bigger Pockets, Caleb Kids Show, Dave Ramsey Live, Caleb Hammer, Coffeezilla, Bridgette Wilson, John Oliver, Che and Cherice, Caleb Maupin, inflation, manifestation.
A lot of these channels focus on the dire situations as that is what gets views, but it's educational to see an example of someone doing well. Thanks!
Correct its about the variety of the story, positive or more challenging :)
Yes, and I’m tired of the ignorance. I’m afraid it teaches people that their dumb finances are acceptable. This was refreshing! ❤
Is romain when talks about treasury bill is he referring to saving bond
@@Lavariega-wg3uo not exactly the same. The key difference between the two is the amount of time it takes for each to mature. While Treasury bonds (what you refer to as savings bonds) are considered long-term debt securities, maturing 30 years after they are sold, Treasury bills are short-term securities that mature within a year and pay less interest than T-bonds.
She moved in with her parents after school and paid off her student loans in less than 2 years. Then she had to go through a divorce and still came out on top. This woman is very smart!
Andrea is sharp 🙏
@@itsRomainFaure not watching this the courts side with the women in court! her dad prob gave her the money lol ...
also a chick doesnt move to san diego unless her parents are wealthy! she moved to california prob from mid west too show off how rich she is! of course the guy cheat on her
30k in jewelry that her boyfriend bought her... now he got that 200k debt!
@@user-qz2tf6fh4j honestly what are you talking about.
Please keep making videos like these. Watching people in financial ruin are good examples of what not to do, but we've all seen that same story over and over again. Watching people that have their finances together brings a lot value to the table, and it gives the average person a roadmap of where to go. Keep up the good content, Romain!
You are spot on!
What a pleasure to see a responsible adult seeking more advanced advice. Great video and guest!
Thank you Ann :)
Ladies… listen up! Do NOT get married without a prenup. I lost my home (I bought it 4 years before I even met him), everything in my home, my 401k, everything… because he would not get a job the last 3.5 of our marriage. I had to pay him alimony for 4 years. It was awful. I’m still in 33k in card debt and over 100k tax debt. I left him 10 years ago. It has completely changed the course of my life. Please be smart and be careful.
I am so sorry!!
No one should get married without a pre nup
Woman divorce men 80% of the time and they get destroyed.
She is killing it! A certain other channel almost only does negative audits where the person is barely getting by. This is great that you posted audit to give folks something to aim for or strive for. Def mix more of these style audits in. I know it may not get as much click rate but it is highly educational for folks who want to try to emulate someone who is successful young.
We know positive stories don't generate as much engagement ... but at the end of the day I remain firm on my vision to providing as much variety as possible, positive or negative.
@@itsRomainFaure and you will Always have a follow and view from me keep up the good work!
Much like the news, if it bleeds it leads. Episode was awesome!
Not necessarily the case. This video got algorithmed to me ahead of the rest of the channel.
@@itsRomainFaurewe NEED succes stpries romain. I got one year left to get out of debt. ❤😊
FINALLY AN AUDIT SUCCESS STORY. LITERALLY SHARING WITH EVERYONE. GREAT EPISODE ROMAINE!!!
THANK YOU BRADMAN :)
First time ever, in history 😂😂
@@mandypdx hahah :)
whats so great the guy gotta take the debt and the women doesnt have anything... let me ask who bought that house they were staying in? 200k house in san deigo would be why he is in debt! so he got all the debt from living cost and she got her own apartment! she prob does prescription adderall or meth pills while he was spending his money on cocaine! she is smart getting insurance too pay for her high!
This woman is an inspiration. She went through a lot but she had the maturity and foresight and determination to keep going, to know her worth, and do difficult things to better her future. She absolutely rocks it! I wish all the best for her in the future!
Ok, good to see another type of story, someone with a good outlook on their finances.
Considering other auditors (hacks up lung) Caleb
Yes it is good variety :)
@@andysorensen1737 last one of his i skimmed he actually came out and said he hated doing the show and didnt want to be there.. lovely
One thing I really like about this channel is that you take time to explain the financial moves you would make and why you would make them. This channel focuses on educating guests and, by extension, the audience while still managing to be entertaining. It's a nice balance.
Thank you very much for your kind comment!
Look at Andrea making Money moves!!!!!! I love to see a single independent female making power moves! best of luck to her and her acting !!!!!!!!
Marriage, at the end of the day, is a contract. Yes, there is emotional attachment but it is a contract you should, to quote traditional vows, "should not be entered into lightly" including your own financial stability. I'm glad she learned from her circumstance and moved forward.
That time share hack is something else, a buddy of mine and I used to do that when we were younger. Got 3-4 trips out to Las Vegas for pennies and got to stay in pretty fancy rooms for nothing. If you can deal with the presentation and are good with telling high pressure sales people to F' off, it's a great thing to exploit.
Great interview! So refreshing to see someone level headed and mature. Even rarer still to hear someone refer to their upbringing of not being given everything as a net positive and not some kind of trauma or abuse. 👏 Hope to see you in theaters 🎭
Amazing comment! as always :)
Her high income and maturity at a younger age has put her in a great position.
The side air bags give added protection in new cars but for me nothing is better than the physical mass of a car. This is an extreme case but in the past my 68 Mercury was rear ended by a 80s midsize car. The 80s car had $6k damage and my car needed a muffler hanger and it had paint marks on the bumper but didn't dent the bumper . I wired up the muffler and drove away. They hit hard enough to spin my car around. Just another thing to consider when you buy a car/truck.
I guess I am somewhat numb to safety. I ride an Ebike and a friend has raced cars for years. I have a UA-cam go-pro video of him racing his mini van.
Nice video!
Aie aie aie! I am pro safety after what happened to me a couple years ago :)
Very impressive person. If she doesn't give acting a try now, she might look back and regret it someday. Maybe make a set timeframe with actionable goals. She has set herself up so well and I could see her experience being an asset to medical-related television programs and films. Great interview! You are doing so well, Romain!
This is my favorite episode. I NEVER find individuals featured that are closer to my age and finances. So much of this I had to piece together over the years from Dave Ramsey, Money Guys, JazzWealth etc.
I will be informing myself about the revocable trust... love to hear the value of keeping physical engagement ring, and will consider a car loan despite hating debt since we are looking at house buying in 2-3yrs. This video is absolutely perfect, thank you!
Books, read books.
@@M_SC I have, but I don't think your comment is intended to educate or out of kindness.
It is so uplifting and refreshing to see what can happen when you play the game right! Positive stories of money management are just as important as the horrible tragedy we always see.❤
Spot on! I agree with your comment!
I think her type of experience is more valuable than total mess stories. She runs into trouble and fixes it. We all need to know how to do that.
This girl is goals. Working to be as well set up like her ❤
Andrea is sharp!
What a lovely professional lady.
All the best from 🇬🇧
Cheers to you :)
I’ve seen tons of people talking about a correlation between a higher priced engagement ring and an unsuccessful marriage. 30k in rings fits the bill!
I believe it!
I imagine socioeconomic background and culture affects that, but in my own, I’m sure it’s true.
I love this! I understand how easy it is to have bad finances, but it is so great to see how people can get out of financial ruin and or avoid it. I can learn from this. BRAVO!!!
I gotta commend people for coming on shows like these and exposing themselves to the world. That takes some courage man lol
I agree
OMG Romain has mad skills if he can sit through those Time Share presentation and come back for more!
This is work of art :)
So nice to have guests on that are doing well, a breath of fresh air
Yes its great variety :)
Note: thumbnail says regular job. Nursing is a professional profession. Maid is a regular job. Cashier is a regular job
Andrea, you are a financial rockstar!
Romain, thanks for the positive story. My take away from this episode is one can always improve their financial situation.
Nobody is perfect, neither am I, pretty far actually haha :) but Andrea did makes some great decisions!
I really enjoy your natural and calm way of treating your guests (unlike other channels where the host yells at people).
Romain, I'm sure about Cali (Cali is so different), but in TX keeping current on household utilities is now considered when purchasing a house to show you are consistent with payments and can handle finances. Also, my cousins lawyer also suggested to her an irrevocable trust instead of a standard will.
Andrea's story just shows you, parents should not hand you everything, get a career that will pay you do do the things you want do in life. What a great story to showcase every 30+ person is not struggling out here in these streets.
A family member of mine and his wife had money issues to include not being transparent with the finances between them. Long story short, they became honest with each other's finance and were able to avoid divorce and bring their finances into the positive.
Be transparent especially with your finances. That will give a good start on your way out of debt.
May the Faurce be with you 😁👍
hahaha! Nice comment with the Faurce! Love that :) and yes! hiding key information before making such a big decision ... not the most wise.
Good job, Andrea! Good luck on your new career!
Yippie, a new Romain Video 🎉! Can't wait to watch!🎉🎉🎉
Thank you so much! Let me know your thoughts :)
Another great interview, Roman. I look forward to Monday’s! 🎉👍🏻
Thank you so much!
I love your channel. I found you a few months and watched here and there, but now that I've realized you upload every Monday, I am here to watch every week. I love your financial education take in between the episodes. Keep it up and thank you!
Thank you so much for being a loyal subscriber - yes I do my best to keep one per week!
Despite the setback of a divorce, she still came out okay. She really has her finances together!
Just the finer details that need to be worked on, as shown in the video. She should get her estate planning done.
That dude was a real idiot. I’m not sure what she saw in him but lying about important things is a huge red flag everyone should avoid.
Finance topics should be brought up before making such a lifetime commitment!
Wonderful interview!
You have such a beautiful talent of meeting people where they are. I love this channel so much!
You are so kind
This is super helpful & I enjoyed seeing a different type of story!
Awesome! Thank you!
Loved this one! Related to a lot of it. I’m a RN In California ( came as a travel nurse too) , pay high rent on 2Br2B apartment because I have several pets too. Not in as good financial shape as she is but working on it, lol. She’s an inspiration. Love your videos!
Wow what a similar story! Excellent :)
You’ll get there gf!!! Just keep up the hard work
Yay. Great episode. Good luck to her. She is doing great.
Thank you Jamie!
Yes, thank you Jamie!!
👏 Andrea's story is a powerful reminder of the importance of financial transparency in relationships. Open communication about money can help prevent devastating surprises and set the foundation for a strong financial future. Learning from real-life experiences like Andrea's is invaluable for mastering personal finance!
Solid comments !!
Love that you are showcasing people in good financial standing!
Variety is key :)
Love this episode! So nice to see someone with their finances put together ❤
Yes Andrea has it well together!
This particular episode was an excellent one! Loved it from San Diego, CA ❤
Thank you so much!
I’m in San Diego too!
Amazing video and I loved how you conducted it and taught us and explained so much. Amazing video and thumbs up!
Thanks so much!
the time share part was pretty cool to see. giving me ideas for the future lol
Yep, its a solid trick if you stick to the rule :)
I’m so happy I found your channel! I love these stories, and the push for financial responsibility. Excited to see you and your channel grow. 😊
Also glad to see someone from San Diego too! Haha
San Diego crowd is in today :)
Yes we are here! The algorithme doing its magic!
Great video, Romain! Good point about the physical asset of holding onto to the jewelry. Deep respect for Andrea. She has navigated through some of life's more challenging terrain with grace and emotional maturity. Though no doubt, she provides excellent medical care, I hope she also does pursue her dreams of acting. She is looking at a well-rounded lifestyle with a solid financial foundation to build upon.
So sweet, I appreciate your kind words ❤️
This was my favourite episode ever!! Thank you so much for posting relatable people and all those tips you gave her are so good. There’s not enough info out there about handling your finances past paying off debt and saving.
Glad you enjoyed it!
This episode was great! I’m still a few years left to be in this position but it’s good to be informed. Can’t wait to be on the other side. ❤️❤️❤️
You got this!
You will get there and it will be sooo worth it!!!
@@DreBurrisThank you ❤❤❤
That was an amazing audit. Whether you’re financially stable or not, there is always more to learn about finances. I’m doing ok, but I learned a lot from this. She set a really inspirational example for the foundations that need to be built in order to be financially secured & stable. Great job you guys!
Absolutely!
Well done, Romain! Also, I agree on prenup and that's maybe because I have some assets to protect.
I think we have to maintain fairness
Now that I’m older, I would never get married without a prenup.
Our stories are so similar! Down to the affair, career success and savings and investments. I’m 34 and 3 years post divorce with a 4yo. She’s killing it - it gets so much better and the future looks bright!
Thank you for sharing ! :)
Keep on keeping on girl!!
Although your guest in this episode did not NEED the advice, the fact that she WANTED the advice shows why she is and will continue to succeed in her financial life. This episode will be inspirational to many who may not be in a dire financial disaster, but may see themselves able to learn how a regular middle-class working person can actually accomplish so much by making good choices in spending and investing decisions. Great episode!!
oof. she'd be lucky to get 20-30% of the value for that ring. Appraisal vales are good for insurance purposes mainly.
I found out that quickly. To sell your jewelry they go by weight of gold and no interest in the gems. So if it is valued that is for insurance purposes only.
Nice positive story. Of note, many young people doing well often lack in the insurance aspect. I think this can usually be attributed to a lack of experience with the importance of insurance as well as a lack of insurance knowledge. Insurance is critical to preserving assets
Many young people doing well lack in insurance because they know it’s a money draining scam.
awesome episode👍🏻👍🏻
Cheers :)
I love this guest!
Awesome to hear! Andrea is great!
🗣️Romain!!!!!!!! 🎯This episode was so incredible, thank you for all the work that you do. 🙌🏾You are helping so many people. You’re just an amazing financial wizard. I’m so happy for your guest. She survived and went on to thrive🎉 Luv that for her 🙌🏾 I luv that she has literally almost NO debt🙌🏾🙌🏾🙌🏾🙌🏾. I’m so proud of her 🎯🙌🏾
Thank you so much! and congrats to Andrea for raising excellence in her finances!
🥺❤️❤️
Enjoy learning from your channel
Thanks for visiting
Haha I was getting frustrated watching you open and close that case! Leave it open man! Haha great video and keep it up to this young lady
It’s actually refreshing to see someone who, despite some setbacks, had the right mindset to build their retirement. Hope she appreciates that she has a great career and takes advantage of it to earn more.
Romain, where do you suggest we buy & sell gold & other physical assets?
I currently do not hold any physical assets, but as I continue to grow my wealth, I plan to allocate about 5-7% of it to physical assets, primarily gold. This can provide a hedge against inflation and market volatility without overexposing your portfolio to the risks associated with physical assets. It's difficult to specify a physical location, but my primary sources will be banks and financial institutions that offer bars and coins for sale to customers. You could also potentially use precious metals exchanges; platforms like the London Bullion Market Association (LBMA) and the Shanghai Gold Exchange (SGE) facilitate the buying and selling of physical gold. I recommend you follow the price and compare it to the value of physical assets, as there will be a premium on the conversion. --- This is no financial advice.
She's a good catch Romain. 🤣😂
I am taken by a lovely partner :)
SPOT ON about the prenup. If a couple can't have this conversation before they are married, they shouldn't be getting married. Forcing a very open conversation about what happens if things don't work out is essential. There's nothing cynical about it. Rather, it's an indication of maturity and and desire to really understand each others values around assets and your relationship. It's all good.
Thank you for a situation where someone has been successful! So nice to see
Our pleasure!
Good insurance coverage gives peace of mind. I probably over insure but I sleep well. Umbrella insurance is relatively cheap for coverage for car accidents, pet incidents, accidents on your property (if you own).
Yes !!!
I'm here and ready 👍🍿
Hope you enjoy!
$100K is not enough for medical expenses on car insurance. Depending on the state, a 20-minute medical helicopter ride can cost $60k (that was Missouri). I got that ride… and it ended up being a mis-diagnosis (they thought my lung was lacerated but it was histoplasmosis). Then the initial ER visit was 18K, then on to an overnight stay at a university hospital. 💰
Oh man! Im just starting, but that story about her husband's ballooning debt is terrifying. I know that a lot of financial creators are always advocating for couples to split finances, but man...this is a total nightmare. Unfortunately, people arent always honest and this poor woman got deceived by someone she thought she could trust. I feel like too many content creators ignore the fact that not everyone is honest with their partners. I'm guessing, based on the thumbnail, she managed to get away from him without him totally devastating her financial situation, thank goodness!!
Let me know how you think she managed when you finish the video hehe :)
@@itsRomainFaure Romain she ended up doing an EXCELLENT job of moving forward and putting her life back on track and not allowing her ex husbands deceit to ruin her future 🎉🙌🏾🎯🙌🏾. I’m just so happy for her.😊
@@itsRomainFaureThis woman is an all star! It was such a refreshing video to watch and I loved it! So happy that she is in a good place to only keep growing from here. 😊
The only thing i didn't like is that she looked embarrassed when she said she drives a 2009 Toyota Camry. That's an extremely good good and a great move to hold onto it. Too many people buy cars that look great but ruin their finances. If she just keeps making those kinds of decisions she's going to be very well off.
100K is considered the low side in Cali for a nurse?! I’d think 80K would be considered low in California
Prenups , as Romaine explains them, seem to be based on the community property system, not the separate property states!! His advocacy of the million dollar contesting provision is only as good as it could be enforced!!
The value of diamonds is artificial. They artificially keep the price of diamonds inflated and high. I would invest in SWPPX instead. Love that you did an interview with someone with a great retirement fund!
I’m 35 and have about 300k as assets. I’ve also had some pretty significant life issues. Luckily I’m smart and can catch up quickly
You should go on his show!
The money you make as a travel nurse is not a "normal job" salary. My cousin who is an RN in Ohio was making $109 an HOUR during Covid once she hit the mandatory OT.
Romain absolutely flexing that USD 😂
We are in a fortunate situation :)
Invest in Index funds. There's no need for paying a financial planner who will take about 1/3 of your money in 30 years due to compound interest.
My wife and I have a financial planner. Worth your '1/3'.... She manages about 1/5 of our net worth. Told us to leave my wife's old TSP in there because she can't beat Fed 401k. Now over 500k... She has charted our progress over the past 20 plus years, on track to retire early....
Because she's done so well , we can get the benefit of Romain's advice if you have more money
Romain. Even better, I hae done mystery shops for timeshare presentations.
Hahah
I was getting tired of Caleb Hammers videos . They are all just filled with highly delusional people . I’m glad we can all relate to this audit !
Excellent :)
I loved this commenter 's approach.
She’s like a young drew Barrymore so right there gives you the leverage to be an aspiring actress!! Financially she’s great in saving and with retirement accounts. I live in California too and I happen to love San Diego but not live there but close. That is very real on the cost of living there. I’d say anywhere in California is much more than other states aside from New York/Florida/Washington. This guy is a great ‘French’ speaker and overall articulate lol really great financial advice. I think Andrea will be fine she has a good safety net and being single is the best for her at this point to rebuild grow and reset. You got this!! 🤛
I love everything about this comment! So sweet
@@DreBurris you’re welcome and honored ^^
Avoiding marriage all together is 100x better than getting a prenup in my opinion.
My new mindset 🤣
That one million dollar thing is a good idea.
And you can use this same method for any target amount you would be looking for.
You said you prefer lab-grown diamonds… That is my concern, that the natural diamonds will lose value because of this. Any thoughts?
I think there will always be a market for the natural stones. Rule of thumb is to buy the best quality you can afford.
Lab grown are popular for the ethical standpoint.
Hello Romain. Do you do private financial advising sessions?
You can always reach me at romainfaurechannel@gmail.com
@@itsRomainFaure I appreciate the response. I found your channel recently. Great content. Thank you!
If you’re considering buying gold/silver, get bullion instead of jewelry from a reputable seller (it’s better value when you think of jewelry premiums).
Not paying for fabrication of jewelry.
Also beware of state sales tax. Some state charge tax on precious metals like NJ
I understand what he is saying but damn I would’ve pawned that ring!!
😂😂
If she had nothing else then I would too … but that’s not the case :)
Not to be negative but having a net worth of 242k with making 100k+ for almost a decade is a sign of a spending issue. Not to mention the rise in retirement accounts during those years were the best in history.
Whilst having nearly 100k in student debt, having bought her own vehicle and was carrying her ex husband financially. Living in a high cost of living state as seen by her housing outgoings.
What planet are you living on where you're saying she's got a spending issue trying to berate her 😂🙄🤡
Did she make 100k all 10 years? Most likely not, you usually start off lower and work your salary up
Does she get medical insurance by working per diem? She mentioned it was free, so I'm a little puzzled by that.
Andrea is in a nice situation because of her hard, diligent work. I do agree with her that parents should not "hand" things over but make your children work for it in order to help them to be self reliant and successful in society. It's great to see different people in different financial situation both good and bad. Thank you Romain! People desperately need financial education now more than ever. 🙏
It’s always a pleasure :)
Hey Romain. I think that's dangerous advice about the timeshares for most people, but it seems like Andrea has the willpower. Question: after you get a few free trips under your belt, why would these companies keep inviting you? Wouldn't they eventually blacklist you as someone who is just in it for the travel and will never buy?
I inform about the game, and provide the most optimal solution, then it becomes to each to make the right decision. There are sooo many companies you can literally have them on rotation 1-2 trips each every 3 years or so.
No property.....but doing pretty good
Correct :)
My parents go to timeshare presentations too for the free stuff. You just have to keep on saying “No” because they will lie or mislead you on anything to get you sign. And if they try to resist giving you the free or discounted stuff that they promised, just for coming to the presentation, threaten to expose them to the other people who are about to see the same presentation later. That will typically get them to honor their agreement if you threaten to destroy their opportunity to sell to others.
Did this channel exist before Caleb Hammer?
No
Bury your gold in the yard, make a map, and mark it with an x. For retirement. Besides her becoming a pirate, I agree with lab based diamonds to avoid children working mines overseas.
Although high yeald savings accounts are very attractive living in California, Hawaii, New York states with taxes over 10%, the interest will be taxed by the state and the Federal goverment and local taxes depending on where you live. Therefore putting her money in Treasury Bills with the federal goverment, is a better investment because Treasury bills are only taxed by the Federal Goverment and not the state and so on.
Good point - I really like Treasury Bills! I do have a link in the description for the company I use!
💪
I understand the “strategy” of taking a small car loan to demonstrate her credit management, but didn’t her retiring an $80k student loan in under two years demonstrate that? Student loans stay on credit reports for a long time.
Good point on the student loan repayment - however I want her to demonstrate length of consistent payments on debt other than credit cards etc.