After a lump sum prepayment, does the monthly mortgage payment reduction occur only after renewal? Thanks for the video!

Like!! thank you for sharing

this was such an amazing and well done video/breakdown. thank you so much for all your efforts!

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American used to own cars. Now the cars own them. Buying any car will gouge deep into your retirement account when you add the cost of insurance, registration, and repairs. Do you love cars more than the dream of a decent retirement? Then, enjoy yourself and carpe diem.

hi. more video pls

How much car can I afford? Without watching your video, the answer is none. I wouldn't take a car if it were given to me. Insurance, maintenance, licencing are expensive. I haven't owned a car in years. I'm retired and living on SSI. I learned years ago how budget busting owning a car can be. If that was true in the 1980s, how much more true is it today? No car for me. Thanks.

What about the TAX factor? I heard there is less taxes to pay when you leave initially, and even if you decide to keep your leased car. I love to learn about that.

Hi, do you also have a book?

But can I do everything you traditionally need a credit score for without a credit card?

Your new vehicle lost less than 25% of the purchase price in 3 years? What happens if you take it out of the garage?

Thank you!

Most people won't afford a car if they follow these percentages. Also, in case of used car there will be greater maintenance and unexpected repairs that are not accounted for here.

Do the comparison of buying used and leasing a new one so people can understand. In my opinion the best thing is to get like 3 years old car which already dropped it’s value but has only like 30k miles on odometer. And go from there. I like to buy those in cash, so I am also not forced to pay for full coverage. And also you can get the credit card from which you buy a car and have 0apr for 18 months. Those are the best options in my opinion

hi sis, so much info. u are the next Robert Kiyoski

what is your second channel about camping?

Omg omg! I CANNOT THANK YOU ENOUGH! This video was very informative and I love the documents you provided!! VERY MUCH HELPFUL! I am definitely going to execute and use the tools you provided! I already filled out monthly budget for July and my debt summary. I’m realizing I have so much money left over to save and to knock down debt! Thank you again like seriously!

A small thing but it's helped me over the years. When I got paid and I had money left over from the previous month I would move that amount from checking to savings. That way I wasn't tempted to overspend just because I had it. And when I had a larger expense there was money in the savings I could use. Good luck everyone.

I want to be debt free next year. But seems like there's always something to pay for when you're trying to save. Or is it just me.

Question: Instead of the Trudeau Liberal Government creating (not buying) more well paying jobs, and lowering taxes, increasing investments, to create a weather society for all, it would rather go after the private sectors, Individuals who created a service for short term rentals. Why aren’t the Trudeau Liberals Government building much needed low income social housing.

It’s crazy a Caleb hammer video got me to start caring about finances and stop living paycheque to paycheque. It’s simple make more money or spend less the choice is yours but make one.

we use miles not km

The major issue is actually insurance, for leased and financed car, you technically have to buy full insurance or you could potentially be sued if sht go south, and that wipe out any benefits

I'm already using Terra Support. So far so good. Carrys still do a lot of damage. Once I engage an enemy with that Ult and I'm in their face with my ADC showering them with damage from the background it's almost a guaranteed kill. They can never seem to stop me in time. But it's definitely a little bit more difficult to use than some of the other supports. (The ADC has to be good. But I know this could technically apply to any situation)

you are out of today's reality

As I listen to your information I can’t help to see how beautiful you are.

Thank you

I fkn hate turdo and the entire left

Very informative. Having a budget is important but sticking to it is even more important. No use having a budget and still spend more than what you had budgeted. It will require much discipline and the 'why' will become essential as it gives you the reasons why you are doing this. Great video & do create more of such content.

Great video! Thank you.

i dont care :D If I have 300k for porsche I am buying it!

Sweet vid! Like this one

haha. real financial advice and only 2500 view. while scammers got millions of views

Hey Gabrielle, Can you recommend a financial adviser for ordinary people with low income to be financially smart. Thanks

Hey Gabrielle! How can this be used to track multi year net worth? Looks like this sheet only tracks for a year. Should I make a copy and start over for 2025?

Great Content and Helpful !!

My mother lived check to check my father always had money. I followed after my mom. I live check to check after second divorce I kinda gave up and I am where I am because of my decisions. I need to take these things seriously, might just be a little too late.

Your so beautiful, marry me pls

Gabrielle can you do an updated video on dividends vs salary? Of paid dividends personal income is tax free and is paid at corporate level to deducted?

On the subject of lifestyle inflation, I’ve fallen into this trap way too often and still do on occasion. The mind is a powerful thing and is very susceptible to taking shortcuts to find the easiest way to better living. Training yourself to spend within your means and not compare your life with what others have takes practice.

I live pay cheque to pay cheque saving ,most goes to savings the rest to pay bills. Mortgage free,debt free ,use credit card for everything and pay it off every week (points). I have only had 1 loan at 17 for a car,I'm now 62 and pay cash for everything. If you pay cash for large items every 3rd item is basically free due to interest savings

Thanks, really looked at my problem. Not Investing is one, and bad habit's is another. Dig it.

My money story is I pay cash for everything including houses and cars. My only debt is a credit card with a $10,000 limit which I pay off completely every month. I have never understood the idea of living paycheck to paycheck.

Thank you very much! This is very helpful and informative!

Congrats!

Great content! Very informative and helpful!!

This is vital info - you are and the time give to us is soo important. Thanks soo much..🙏

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I am in debt as a result of counting my eggs before they hatched. I charged on my cc with the expectation that my raise, bonus and tax return will cover it. The bonus wasn’t as expected, I ended up OWING taxes and my raise was equivalent to a loaf of bread. I am disgusted with myself.

Hi Gabrielle, cool video! Thank you so much for that! Please, could you tell me if it is possible to join Big4 Tax team after being in Information technology industry? I actually have been working for Global Tax Team in IT company and really want to move to Big 4 and later I can see my future in Tax Advisory role - Would you recommend what to do to be accepted by Big4?