Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy
I was not going to pick a word of the year this year however, after watching your video, a word popped in my mind and I think it’s a great one. My word of the year for 2025 is THRIVE!
I’m with you, 2024 was the worst year of my life. We lost our oldest son suddenly in May, or 15 year old bulldog in April then my husband got a new job and we had to move making me leave my job and all of our friends. To top it off, the house he picked out is awful! We have spent so much money on it already just to make it livable. But, here’s to 2025 being a better year! My word of the year is consistency because this year I’m going to focus on my health since that’s the only thing I can control right now.
I am SO incredibly sorry to hear about the loss of your son. That is heartbreaking. I am sending you the biggest hug and prayers that 2025 brings you the best ❤️🩹
I picked my word mostly on personal goals, for 2025 i picked Opportunity again since it did okay in 2022 or 2023. Personal goals of gain 5lbs healthy way, kill caffeine (been a 4 yr battle 😅) , declutter two totes, scan 3 years of papers and shred, collect book series (i already own some), and 2 vacations (small weekend trips somewhere). Financial goals are premium of car insurance for a year, may vacation (1 of my personal), pay off two student loans (around 1700 left), and 500 to emergency fund 🤞. I have a plain vision board above my desk that seems right with check boxes
I agree with you… 2024 SUCKED!! Actually the 20s have been an entire shitshow. I got separated in 2022, divorced in 2023, then We found out my mom had pancreatic cancer at the end of May 2024. We lost her in August. Like you I feel like I’ve been in survival mode. I’m hoping 2025 comes in and just has a seat. Lol! Word of the year: Elevate Financial Goals: 1. Get better about tracking spending. 2. Decrease debt 3. Increase 403b contribution limit to get max company match 4. Save money for my memorial tattoo for my mom 💜 5. Pay cash for my 50th birthday trip! Personal goals: 1. Declutter one room per month 2. Complete one no spend month this year 3. Spend more time with friends 4. Laugh more 5. Lose 75 pounds by my 50th birthday in November
Ugh, I’m so sorry to hear that you’ve had a rough few years too. Sending you a huge hug. You have some amazing goals for 2025!!! Thank you for sharing and I hope we both have a great 2025 ahead 🥰♥️
New to the channel. I like the word idea. 2024 was a struggle in a lot of ways. My word is BREATHE. Whatever the ups or downs, I need to do better just taking a breath and going forward.
I’m wishing you a better 2025! I read really slowly but I have read 105 books in 2024. My goal was 100. I’m retired tho and able to devote more time to reading. We’ve been traveling a lot tho and I try hard to be in the moment and enjoy what’s happening around me rather than having my nose in a book all the time. Thinking good thoughts for you and your family in 2025!!!!!
Loved this video. My husband and I read/discuss books together too and I love it. I’m sorry 2024 was a rough year, I hope 2025 is better! I also had a rough 2024 and my goal and word of the year for 2025 is peace. Just want a quiet, peaceful year for my family and to enjoy time together.
You started talking about a word of the year and I started thinking what mine would be and immediately went to “stable“ So crazy how similar people can be after a shit show of a year
I love the idea you and your husband are reading buddies. 😊 This is too cool. I love reading also. You have some good goals for the upcoming year. I wish you the very best in 2025.😊
New subbie and I love your channel. I lost 2 family members and we had a very unexpected job change this year and last year I lost my mom and another close family member. Totally sucks and it takes a while to stop feeling like the rug has been pulled out from under your feet. My word this coming year is going to be accountability, but I’m going to be accountable to myself by writing things down and taking definite steps towards my written goals.
I’m so sorry to hear that. It seems like it’s been a rough year for a lot of us. That is a perfect word for 2025. I hope 2025 treats us both well!! ♥️♥️♥️♥️
Hi Amy, great video. My word of the year is LEVERAGE, because I want to find out how I can make my life easier and get better results without working harder. A.I. is on my list, but I don't want to limit it to just one thing. It's really crazy how choosing a word of the year brings opportunities during the year that I couldn't even imagine at the start. I wish you and your family all the best for 2025.
Great video, Amy. Thank you for sharing your goals and word for 2025. I haven’t finished my goals yet, but I know my word is Consistent. I start off doing well in many aspects and then fall off. I want to practice being consistent, especially financially and with my health. I understand your educational journey. I didn’t go to college right after high school. I went back after I had three kids and by the time I got my masters I had four kids. Busy kids! Multiple sports and activities. I then decided to get my CPA certification. I can’t remember much about those years…. It’s all a blur. 😂
It’s cute that you and your husband read the same books, me and my husband also do that sometimes. Not much discussion about them though. I read 8 books on my kindle last week and 6 physical books too, it was a crazy week even for me 🤪😎 I haven’t finished my goals for 2025 yet but I do want to work out. A year ago I had a great schedule: poledance on mondays, riding on tuesdays and then something on thursday and saturdays usually something at home like a bike ride or a Chloe Ting workout. I want to get back to good habits like that!
@ I do find that automating things, like having the same workout schedule every week makes it easier for me to stick to. My goal is 3 workouts per week, but with that schedule I almost always did 4 because I had such a good start to the week 😊💪 I did fall of the wagon in february this year but I do want and plan to get back to it!
Love these goals, great goals! I have never had a word, love the idea. Our goal is to get our debt paid off (around 17k) and then get our emergency fund fully funded. So excited and hopeful that we can get it done. 🙏🏻 can’t wait to hear updates on yours!
Great video and love the goals! I like your word too. Mine is stewardship. I want to be a good steward over my family, finances, faith and future (career). I’ll be doing a video on this soon! Thanks for the inspiration! 💜
You're right...2024 was a shit show! For 2025 's OLW I have picked "accountable"...I will become willing to accept responsibility and to account for my actions, I will keep commitments and promises and be able to justify my actions and decisions....I hope I can sustain this beyond January...lol!
@DearDebt i have been flip flopping on whether to retire early from teaching. Financially it will be rough but my time is more valuable. I was going to leave education last year then my former principal wanted to hire me at his new school. I agreed to do at least one year, but honestly I think I'm done. Also, I turned 60 this year and need to decide what I want to do with the rest of my life. Time to live for me!
I’m also keeping my financial goals simple but challenging for 2025. Below are mines. 1) Max 401K at $23,500 2) Max Roth IRA at $7,000 3) Max HSA at 8,550 4) Invest $70,000 in my brokerage account
What kind of books do you read? I am a reader as well but like you I've really slowed down as far as the amount of books I've read. I'm just gonna start over next year.
❤ Hi Amy! ❤ - I'm sorry 2024 has had difficult times for you. I hope you feel more stabilized in 2025. - I commend you on your Personal and Financial goals! I'm cheering you on from here in Illinois! From Valerie @CashBudgetRetiree
Frequently referenced links:
○ MINT MOBILE: trymintmobile.com/deardebt
○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f
○ Try Walmart+: share.walmartplus.com/amy84563
○ UPSIDE: upside.app.link/932ZG
○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749
DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy
**Want to support my channel?
www.buymeacoffee.com/deardebt
**My Etsy Shop: go.magik.ly/ml/1qtku/
See you in my next video! XO, Amy
I was not going to pick a word of the year this year however, after watching your video, a word popped in my mind and I think it’s a great one. My word of the year for 2025 is THRIVE!
Love that!! THRIVE is perfect! 😍
I did thrive one year and it was such a good year! Every decision if I wrestled with something I’d ask myself if it would help me thrive or drain me.
I’m with you, 2024 was the worst year of my life. We lost our oldest son suddenly in May, or 15 year old bulldog in April then my husband got a new job and we had to move making me leave my job and all of our friends. To top it off, the house he picked out is awful! We have spent so much money on it already just to make it livable.
But, here’s to 2025 being a better year! My word of the year is consistency because this year I’m going to focus on my health since that’s the only thing I can control right now.
I am SO incredibly sorry to hear about the loss of your son. That is heartbreaking. I am sending you the biggest hug and prayers that 2025 brings you the best ❤️🩹
I picked my word mostly on personal goals, for 2025 i picked Opportunity again since it did okay in 2022 or 2023.
Personal goals of gain 5lbs healthy way, kill caffeine (been a 4 yr battle 😅) , declutter two totes, scan 3 years of papers and shred, collect book series (i already own some), and 2 vacations (small weekend trips somewhere).
Financial goals are premium of car insurance for a year, may vacation (1 of my personal), pay off two student loans (around 1700 left), and 500 to emergency fund 🤞. I have a plain vision board above my desk that seems right with check boxes
I love it! Great word choice. Caffeine is a huge struggle for me too. I wish I could cut it out 🙃
I agree with you… 2024 SUCKED!! Actually the 20s have been an entire shitshow. I got separated in 2022, divorced in 2023, then We found out my mom had pancreatic cancer at the end of May 2024. We lost her in August. Like you I feel like I’ve been in survival mode. I’m hoping 2025 comes in and just has a seat. Lol!
Word of the year: Elevate
Financial Goals:
1. Get better about tracking spending.
2. Decrease debt
3. Increase 403b contribution limit to get max company match
4. Save money for my memorial tattoo for my mom 💜
5. Pay cash for my 50th birthday trip!
Personal goals:
1. Declutter one room per month
2. Complete one no spend month this year
3. Spend more time with friends
4. Laugh more
5. Lose 75 pounds by my 50th birthday in November
Those are wonderful goals ! Have a great 2025 !
Ugh, I’m so sorry to hear that you’ve had a rough few years too. Sending you a huge hug. You have some amazing goals for 2025!!! Thank you for sharing and I hope we both have a great 2025 ahead 🥰♥️
I’m so sorry about your mom
My word is CHANGE/FLOW. because looking at the astrology and general outlook of the year is gonna be a bumpy ride.
Those are great choices!
New to the channel. I like the word idea. 2024 was a struggle in a lot of ways. My word is BREATHE. Whatever the ups or downs, I need to do better just taking a breath and going forward.
I love that! Amazing word choice 💚
I’m wishing you a better 2025! I read really slowly but I have read 105 books in 2024. My goal was 100. I’m retired tho and able to devote more time to reading. We’ve been traveling a lot tho and I try hard to be in the moment and enjoy what’s happening around me rather than having my nose in a book all the time. Thinking good thoughts for you and your family in 2025!!!!!
Amazing achievement!! 😍♥️
The best exercise is whatever you enjoy doing!!
So true 🥰🥰🥰
Loved this video. My husband and I read/discuss books together too and I love it.
I’m sorry 2024 was a rough year, I hope 2025 is better!
I also had a rough 2024 and my goal and word of the year for 2025 is peace. Just want a quiet, peaceful year for my family and to enjoy time together.
That is a wonderful word choice. Wishing you peace in 2025 ♥️🥰
You started talking about a word of the year and I started thinking what mine would be and immediately went to “stable“
So crazy how similar people can be after a shit show of a year
Yes!! I just need a regular old year LOL nothing fancy just stable 😂
I love the idea you and your husband are reading buddies. 😊 This is too cool. I love reading also.
You have some good goals for the upcoming year. I wish you the very best in 2025.😊
Thank you so much ♥️
New subbie and I love your channel. I lost 2 family members and we had a very unexpected job change this year and last year I lost my mom and another close family member. Totally sucks and it takes a while to stop feeling like the rug has been pulled out from under your feet. My word this coming year is going to be accountability, but I’m going to be accountable to myself by writing things down and taking definite steps towards my written goals.
I’m so sorry to hear that. It seems like it’s been a rough year for a lot of us. That is a perfect word for 2025. I hope 2025 treats us both well!! ♥️♥️♥️♥️
Hey there, I love this video. It really made me think of what my word of the year would be for 2025 and I don't know what it is yet. But great video.
Thank you so much. I’m glad you enjoyed! I hope you find a word that’s a perfect fit for your 2025 😍♥️
Hi Amy, great video. My word of the year is LEVERAGE, because I want to find out how I can make my life easier and get better results without working harder. A.I. is on my list, but I don't want to limit it to just one thing.
It's really crazy how choosing a word of the year brings opportunities during the year that I couldn't even imagine at the start.
I wish you and your family all the best for 2025.
What a wonderful word choice!!! I love it. Wishing you the best in 2025 too! I can’t wait to hear how your year goes!! 🥰♥️
Omg I love your energy ... I don't care! Ha ha ha yes!
😍😍😍
Great video, Amy. Thank you for sharing your goals and word for 2025. I haven’t finished my goals yet, but I know my word is Consistent. I start off doing well in many aspects and then fall off. I want to practice being consistent, especially financially and with my health.
I understand your educational journey. I didn’t go to college right after high school. I went back after I had three kids and by the time I got my masters I had four kids. Busy kids! Multiple sports and activities. I then decided to get my CPA certification. I can’t remember much about those years…. It’s all a blur. 😂
Consistent is a great word of the year! I hear you on the busy years, they really are a blur! 😬♥️
It’s cute that you and your husband read the same books, me and my husband also do that sometimes. Not much discussion about them though. I read 8 books on my kindle last week and 6 physical books too, it was a crazy week even for me 🤪😎
I haven’t finished my goals for 2025 yet but I do want to work out. A year ago I had a great schedule: poledance on mondays, riding on tuesdays and then something on thursday and saturdays usually something at home like a bike ride or a Chloe Ting workout. I want to get back to good habits like that!
I love that! A schedule definitely helps. I am going to try to figure out a good balance in 2025.
@ I do find that automating things, like having the same workout schedule every week makes it easier for me to stick to. My goal is 3 workouts per week, but with that schedule I almost always did 4 because I had such a good start to the week 😊💪 I did fall of the wagon in february this year but I do want and plan to get back to it!
Love these goals, great goals! I have never had a word, love the idea. Our goal is to get our debt paid off (around 17k) and then get our emergency fund fully funded. So excited and hopeful that we can get it done. 🙏🏻 can’t wait to hear updates on yours!
Amazing, you absolutely got this!!!
Great video! My word of the year is PURPOSE. :)
Love that!! It's a great one!
My word this year is embrace.
That’s a wonderful choice 🥰
Great video and love the goals! I like your word too. Mine is stewardship. I want to be a good steward over my family, finances, faith and future (career). I’ll be doing a video on this soon! Thanks for the inspiration! 💜
I love that word of the year! That is amazing!!!
My 2025 word of the year: *Focus*
Perfect word choice!!!!
I’ve had Resilience in the past. ❤ I’m thinking my word of the year will be Systems. I need to do better with systems in my life.
I love both of those! Great word choices!
You're right...2024 was a shit show! For 2025 's OLW I have picked "accountable"...I will become willing to accept responsibility and to account for my actions, I will keep commitments and promises and be able to justify my actions and decisions....I hope I can sustain this beyond January...lol!
I love that! You got this!!!!
My word is decide
I love that!! Why did you pick it?
@DearDebt i have been flip flopping on whether to retire early from teaching. Financially it will be rough but my time is more valuable. I was going to leave education last year then my former principal wanted to hire me at his new school. I agreed to do at least one year, but honestly I think I'm done. Also, I turned 60 this year and need to decide what I want to do with the rest of my life. Time to live for me!
I love that!! Best of luck with your decision, it sounds like you have the right mindset! ♥️
I also put off law school cause I had a baby! My baby is now 16 and I just finished my 2nd semester of law school!
I’m so proud of you!!!! Way to go Chase your DREAMS! You inspire me
My word for 2025 is Determination
I am determined to budget
Cash stuff and save 2000$.
This will be my word and goals
Perfect word, I love it!!!
I’d love to hear how you plan to save up for the car. It’s one of our goals too but I struggle to save…
I will be sharing!! It’ll be our first priority goal in 2025 😃
I’m also keeping my financial goals simple but challenging for 2025. Below are mines.
1) Max 401K at $23,500
2) Max Roth IRA at $7,000
3) Max HSA at 8,550
4) Invest $70,000 in my brokerage account
Those are AMAZING goals!!! I can't wait for you to achieve them all in 2025!
What kind of books do you read? I am a reader as well but like you I've really slowed down as far as the amount of books I've read. I'm just gonna start over next year.
I read almost entirely thrillers haha. That is what I enjoy reading and they're typically fast reads too!
Do you guys also have 401(k)s that you’re contributing to?
Yes we do! We both contribute to our company 401ks.
@ that’s awesome! Is there a reason you don’t include that in your goals? That’s a huge accomplishment too
@@wealthbuildingstory I only track our extra goals, I consider that just our normal amount of investing / what we’d do regardless.
❤ Hi Amy! ❤
- I'm sorry 2024 has had difficult times for you. I hope you feel more stabilized in 2025.
- I commend you on your Personal and Financial goals! I'm cheering you on from here in Illinois!
From Valerie @CashBudgetRetiree
Thank you neighbor!! Cheering you on from Wisconsin too :) hehe
@DearDebt 👋 👋 👋