Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 17k in last month 2024 Investing with Juliana Heidi
Honestly? I'm so excited. Juliana Heidi strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
Most people are retiring this year and has nothing to show for. But I assure you it's never late to get your financial life together again.. All thanks to JuLiana for I and my family.🏝 🇺🇸
With this level of financial indiscipline, I don't think you guys are ready for marriage. Act responsible, live within your means. Fun money, eating out, all that has to stop
Thank you for this input!!!! We have already begun working on the items mentioned and have reworked the budget some as well. This has helped us both so much to have an outside view of things. To all the comments about how we pulled the wedding budget out of thin air... We actually did the math for the wedding and have it all planed out. We have actually taken a look at the out to eat as well and are going to be more thoughtful when we do go out to eat. Our fun $ is also for gas for the cars, which is why it is so high as well.
They are spending nearly $800 on restaurants AND $800 on fun money - I would have knocked the restaurants down to $100 and $300 for fun money and use the rest to pay off the smaller credit cards. They are lucky to have such a comfortable income.
When figuring out how much they have to budget towards their goals each month, I would zero our all the savings at the bottom, lower eating out & fun money and no extra payments towards debt. Now, take the 3k ish and go hard towards the goals. I'd do 1k emergency Fund & 5k to wedding (both done in 2 months) then start attacking the debts. I'd have a strong goal to get majority paid off by wedding...they can easily have everything but the camper and Chevy done) Then a larger emergency fund. Then finish with the last 2 debts. After that, what, year?? That's nothing!! They will be set up so we'll to grow their wealth as a newly married couple. It has to hurt a little and they need to sacrifice so they don't repeat the behavior that got them into debt to begin with.
I suspect the generous "fun money" but zeroes for hair cuts and everything else means the couple hasn't identified where all that money is actually going or how much they truly spend in those categories. $300 for a grocery budget for two grown people makes me skeptical.
My Northern European country has a legal interest limit of 20% a year. 35% a year is absolutely crazy! It made me speechless! There should be a similar cap in America. I know that it's ultimately about people's behavior in this couple's case, but having such a cap can at least limit the craziest outcomes.
I saw your UA-cam vids, and they're awesome! But I think they could be even more awesome with some better editing and thumbnails. I'm pretty good at editing and designing thumbnails, so I could help you out if you want. That way, you can focus on making even better vids! Plus, you'll save time and can pump out more vids. With my help, you can reach out to a lot more people too! Let me know if you're down! and if you want i can do the shortfrom too
I dont know what kind of financial guru or financial planner you are, but I think your plan for the engaged couple SUCKS!! FIRST 1. Forget the fun money, stop eating out so much!!! FIRST PRIORITY should be paying off those stupid high interest rate cards! Cabelas at 20%....who in their right mind would pay this? Take the first $3000 and pay of those 2 cards and cut them up. Next work on the next highest rate card and pay it off. Pay the credit cards all off, then save every penny for your wedding in October and emergency fund. Why would you tell them to make minimum payments for 2 years.....HOGWASH....you need to pull your head out from the dark side of the moon!!
Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 17k in last month 2024 Investing with Juliana Heidi
Wow that's huge, how do you make that
much monthly?
Honestly? I'm so excited. Juliana Heidi strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
The first time we had tried, we invested $5,000 and after a week we received $23,400. That really helped us a lot to pay our bills.
Most people are retiring this year and has nothing to show for. But I assure you it's never late to get your financial life together again.. All thanks to JuLiana for I and my family.🏝 🇺🇸
Wow wow please is there any way to reach her services, I work 3 jobs and trying to pay off my loan for a while now, please help me..
They are clearly living above their means. They want to save but don’t want to make the choices that are required of them to actually do it.
With this level of financial indiscipline, I don't think you guys are ready for marriage. Act responsible, live within your means. Fun money, eating out, all that has to stop
Your financial organization is inspiring! 🙌
Thank you for this input!!!!
We have already begun working on the items mentioned and have reworked the budget some as well.
This has helped us both so much to have an outside view of things.
To all the comments about how we pulled the wedding budget out of thin air... We actually did the math for the wedding and have it all planed out.
We have actually taken a look at the out to eat as well and are going to be more thoughtful when we do go out to eat.
Our fun $ is also for gas for the cars, which is why it is so high as well.
Then your gas should be under the gas category to accurately create a budget.
Opps. Wrong logo for mint mobile at 3:50 😂
We new what she meant. 🙂
That's hilarious.
They are spending nearly $800 on restaurants AND $800 on fun money - I would have knocked the restaurants down to $100 and $300 for fun money and use the rest to pay off the smaller credit cards. They are lucky to have such a comfortable income.
Shout out to Wisconsin! I lived in Appleton during Grad School :)
When figuring out how much they have to budget towards their goals each month, I would zero our all the savings at the bottom, lower eating out & fun money and no extra payments towards debt. Now, take the 3k ish and go hard towards the goals. I'd do 1k emergency Fund & 5k to wedding (both done in 2 months) then start attacking the debts. I'd have a strong goal to get majority paid off by wedding...they can easily have everything but the camper and Chevy done) Then a larger emergency fund. Then finish with the last 2 debts.
After that, what, year?? That's nothing!! They will be set up so we'll to grow their wealth as a newly married couple.
It has to hurt a little and they need to sacrifice so they don't repeat the behavior that got them into debt to begin with.
jesus, this is a nightmare! And they make pretty good money, i don't understand how they are this far behind.
I suspect the generous "fun money" but zeroes for hair cuts and everything else means the couple hasn't identified where all that money is actually going or how much they truly spend in those categories.
$300 for a grocery budget for two grown people makes me skeptical.
My Northern European country has a legal interest limit of 20% a year. 35% a year is absolutely crazy! It made me speechless!
There should be a similar cap in America. I know that it's ultimately about people's behavior in this couple's case, but having such a cap can at least limit the craziest outcomes.
I saw your UA-cam vids, and they're awesome! But I think they could be even more awesome with some better editing and thumbnails. I'm pretty good at editing and designing thumbnails, so I could help you out if you want. That way, you can focus on making even better vids! Plus, you'll save time and can pump out more vids. With my help, you can reach out to a lot more people too! Let me know if you're down! and if you want i can do the shortfrom too
I dont know what kind of financial guru or financial planner you are, but I think your plan for the engaged couple SUCKS!! FIRST 1. Forget the fun money, stop eating out so much!!! FIRST PRIORITY should be paying off those stupid high interest rate cards! Cabelas at 20%....who in their right mind would pay this? Take the first $3000 and pay of those 2 cards and cut them up. Next work on the next highest rate card and pay it off. Pay the credit cards all off, then save every penny for your wedding in October and emergency fund. Why would you tell them to make minimum payments for 2 years.....HOGWASH....you need to pull your head out from the dark side of the moon!!
She didn’t say minimum payments for 2 years. She has ALL of their debt paid off in 1.3 years with her plan.