There is more than the one way to responsibly run ones finances. FPU is more targeted to those who overspend, no self discipline and/or have debt (over 30 days old, credit cards are not debt until past the grace period).
@jloop_2008 and it's comments precisely like yours that prove there are plenty of morons on this planet remaining...who prefer to focus more on trying to look smarter than others...rather than having ans using critical thinking skills to know facts > your feelings. You gave absolutely nothing to show that anything Rachel said in this video was incorrect...aka you brough5 nothing of wisdom or intelligence to the comments section. So YES you are the one in need of help here.. Move on troll. No food here
I wish the Ramsey team would create a course called "It's Never Too Late" for those of us older folks, especially if you're single as many of us are after death or divorce. It's easy to see how long-term saving and investing over 20+ years can generate wealth but how do you do it after retirement? Even if you're debt-free and earning extra money with side hustles, there's only so much time your money has to grow. Or is living Social Security check to check the best we can hope for?
Seperate course for older men and women if divorced cause women usually get alamony or child support i know a woman still getting child support and her son is 35 lol
I wish the majority of students would start going to community college first and refusing to take out massive student loans so that 4 year schools would get the message and return to normal prices.
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year... Investment should always be on any creative man's heart for success in life.
No doubts! The strategies and Al auto trading tools he provides for beginners are very helpful, being part of hid vip signal channel has really helped me as a trader
His strategy minimizes risk and maximizes profits. Trading with him has been incredible throughout the last few months, and I would recommend his strategy to anyone...
Using a credit card requires discipline. Yes, studies have shown you spend more but there are ways to counteract this, ie. prepaying the credit card so you have a negative balance, and having 0 be your default.
Hey Rachel, i just wanted to thank you for all the great advice that you give, me and my wife are debt free because we started doing what you and Dave Ramsey are teaching . life is great !!!!! Thanks again
What do you say to the people that have had their debit card hacked, accounts drained and couldn’t get the money back until the next week because it got posted to their account on Saturday and the bank didn’t open until Tuesday
My daughters debit card has been hacked 4 times in the last year. Once right before she had a flight and it was a huge stressful hassle. I don’t know what the answer is
Using a credit card increases cost of living for everyone. When most people switched to online shopping with credit cards the usage fee caused prices to sky rocket. The percentage you get back in points is far less than the increased prices. So instead of getting %3-5 back to spend where/how you're told to. Save up to %8 upfront and keep prices down, again saving money. You always have to pay to play when it's someone else's game.
Im DCAing in ZRT55H as well. ETH heavier DCA and ALGO. Im taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!
don't worry Rachel, I'll put the timeshare on the credit card and use a payday loan to pay off the balance (yes i'm completely trolling haha).... def. enjoy the work you and george do on your side channels, keep it up
When you borrow money to invest and make more money, you make you and the lender some money. When you, the borrower, are also the lender? Bruh! However, you don't start out that way. That's great of you already have enough to be able to do those things. Just make sure you are borrowing for the right reasons.
My bank account was losing money from fraudulent use while talking to my bank’s fraud department. I will only use a CC for safety. I carry no balance however.
You can call ZRT55H bots but that does not change the fact that the shill is absolutely deserved. Out of all launches we had, talk about ETH, talk about XRP, talk about all these new chains but ZRT55H breaks everything
I love you Rachel but I no longer take advice from someone who never has and never will know the struggle. Been stuck on baby step 1 for years, looking into Velocity banking. Change my mind.
Then take advice directly from her father? Surely being forced to declare bankruptcy and losing everything while having young children is just about as much of a struggle financially that anyone can go through. Velocity banking can work. Just like how people CAN treat a credit card as cash and pay it in full every month….or finance large purchases and make more in the end by investing the cash elsewhere. Judging by the fact that you’ve been self admittedly stuck in baby step 1 for years….I’m going to go out on a limb and say that velocity banking will NOT work in your favour, and will lead to further struggles down the road. If you already have access to the line of credit and the interest rate is on that is a lot lower than all of your other debts combined…. why not use it to pay them all off in full, and then focus your work on BS1 to paying off the line of credit in full instead? You’ll save on the interest, and you’ll only have 1 payment to make. I still have doubts that you’d be able to pull that off successfully…but I have far more confidence in that working for you over velocity banking.
You are one of the most sophisticated and brilliant UA-camr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for ZRT55H much love from Chicago
Sometimes when I see lots of negative comments on these videos it reminds me why FPU never runs out of students…
There is more than the one way to responsibly run ones finances. FPU is more targeted to those who overspend, no self discipline and/or have debt (over 30 days old, credit cards are not debt until past the grace period).
@jloop_2008 and it's comments precisely like yours that prove there are plenty of morons on this planet remaining...who prefer to focus more on trying to look smarter than others...rather than having ans using critical thinking skills to know facts > your feelings.
You gave absolutely nothing to show that anything Rachel said in this video was incorrect...aka you brough5 nothing of wisdom or intelligence to the comments section.
So YES you are the one in need of help here..
Move on troll. No food here
I wish the Ramsey team would create a course called "It's Never Too Late" for those of us older folks, especially if you're single as many of us are after death or divorce. It's easy to see how long-term saving and investing over 20+ years can generate wealth but how do you do it after retirement? Even if you're debt-free and earning extra money with side hustles, there's only so much time your money has to grow. Or is living Social Security check to check the best we can hope for?
I second this!
Seperate course for older men and women if divorced cause women usually get alamony or child support i know a woman still getting child support and her son is 35 lol
Yes I have wanted that topic covered more too. Divorced at 50. Talk about building retirement from there. Even with no debt
The best day to start investing was yesterday ... the 2nd best day is today.
Your advice on credit cards is spot on for people who are terrible with money.
I wish the majority of students would start going to community college first and refusing to take out massive student loans so that 4 year schools would get the message and return to normal prices.
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year... Investment should always be on any creative man's heart for success in life.
That's awesome!!! I know nothing about investment and I'm keen on getting started. What are some strategies to get started?
As a beginner, it's essential for you to have a mentor to keep you accountable. I'm guided by Fergus waylen a widely known crypto consultant
No doubts! The strategies and Al auto trading tools he provides for beginners are very helpful, being part of hid vip signal channel has really helped me as a trader
His strategy minimizes risk and maximizes profits. Trading with him has been incredible throughout the last few months, and I would recommend his strategy to anyone...
his strategy has been helping a lot of traders/newbies out there, with his program i was able to recover my losses from the crash so swiftly
Using a credit card requires discipline. Yes, studies have shown you spend more but there are ways to counteract this, ie. prepaying the credit card so you have a negative balance, and having 0 be your default.
Hey Rachel, i just wanted to thank you for all the great advice that you give, me and my wife are debt free because we started doing what you and Dave Ramsey are teaching . life is great !!!!! Thanks again
What do you say to the people that have had their debit card hacked, accounts drained and couldn’t get the money back until the next week because it got posted to their account on Saturday and the bank didn’t open until Tuesday
Totally agreed, bad advise on this topic.
My daughters debit card has been hacked 4 times in the last year. Once right before she had a flight and it was a huge stressful hassle. I don’t know what the answer is
Sheesh you can have more than one debit card and some cash. Most online banks don't require direct deposit or minimum balance .
Great Video Rachel. Love the content. 😊
Using a credit card increases cost of living for everyone. When most people switched to online shopping with credit cards the usage fee caused prices to sky rocket. The percentage you get back in points is far less than the increased prices. So instead of getting %3-5 back to spend where/how you're told to. Save up to %8 upfront and keep prices down, again saving money. You always have to pay to play when it's someone else's game.
Great advice, Rachel! Keep it up❤
Good information.
Quick question how many years should I get for term life insurance?
Im DCAing in ZRT55H as well. ETH heavier DCA and ALGO. Im taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!
don't worry Rachel, I'll put the timeshare on the credit card and use a payday loan to pay off the balance (yes i'm completely trolling haha).... def. enjoy the work you and george do on your side channels, keep it up
When you borrow money to invest and make more money, you make you and the lender some money. When you, the borrower, are also the lender? Bruh!
However, you don't start out that way. That's great of you already have enough to be able to do those things. Just make sure you are borrowing for the right reasons.
I will say, we played Telestrations with 4 generations over our Canadian Thanksgiving and we all cried laughing. Thanks for a good ad haha
ZRT55H gang in the house! Thanks for the analysis!
My bank account was losing money from fraudulent use while talking to my bank’s fraud department.
I will only use a CC for safety. I carry no balance however.
But if you pay off your credit card in full every month you really feel the pain rather than feeling little pokes throughout the month 😂🥵
We love you Rachael but you would never be in need bc your dad is freaking Dave Ramsey 😂
Great video! I DCA in ZRT55H already, Patiently waiting for the Moon time!
My ZRT55H shorts are doing pretty well and I plan to hold much longer.
You can call ZRT55H bots but that does not change the fact that the shill is absolutely deserved. Out of all launches we had, talk about ETH, talk about XRP, talk about all these new chains but ZRT55H breaks everything
2:16
Ya, you never had a credit card. But you also had a multi millionaire father your whole adult life.
😂
She's explained before she was born when her parents were broke.
Hes so happy about the Recession coming in, like hes super excited to be witnessing it.
Need more ZRT55H content. Converted my ETH to BTC but kept my ZRT55H
🎉❤🎉❤🎉❤🎉
Love the ZRT55H content. I think this project is just as essential as HBAR and they both will be great movers
I love you Rachel but I no longer take advice from someone who never has and never will know the struggle. Been stuck on baby step 1 for years, looking into Velocity banking. Change my mind.
But regardless of whether Rachel has struggled herself, that's independent of whether her advice is sound.
Credit cards, It’s the only thing they say that i disagree with
Then why are you here?
@@Afrinaturality these alway pop up in my feed, sick of rolling my eyes.
Then take advice directly from her father? Surely being forced to declare bankruptcy and losing everything while having young children is just about as much of a struggle financially that anyone can go through.
Velocity banking can work. Just like how people CAN treat a credit card as cash and pay it in full every month….or finance large purchases and make more in the end by investing the cash elsewhere. Judging by the fact that you’ve been self admittedly stuck in baby step 1 for years….I’m going to go out on a limb and say that velocity banking will NOT work in your favour, and will lead to further struggles down the road.
If you already have access to the line of credit and the interest rate is on that is a lot lower than all of your other debts combined…. why not use it to pay them all off in full, and then focus your work on BS1 to paying off the line of credit in full instead? You’ll save on the interest, and you’ll only have 1 payment to make. I still have doubts that you’d be able to pull that off successfully…but I have far more confidence in that working for you over velocity banking.
ZRT55H will replace Eith in few years. ZRT55H the sleeping Giant. its the fastest L1 high-tech PoW Zero Gas-fee chain with 100X potential
You are one of the most sophisticated and brilliant UA-camr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for ZRT55H much love from Chicago
Great video. Im a huge ZRT55H fan and love your videos on it.
Lets discuss the ZRT55H guys. This is failproof and barely any asset can be labelled failproof at all.