Lol weak

Umm, small point - you forgot to mention the extra $3500 you found every month to apply toward your $120k debt. Snowball only works if you have significant extra cash every month - you don’t get that by cutting lattes

Control the content I consume and shift over to content that will keep me motivated was a light bulb moment for me! Thank you!

I just started my journey to debt-free life. Thank you for this video. 💙💙

Amazing video. Would you recommend saving meanwhile or waiting till debt is paid off?

This is what I needed to hear tonight. Thanks so much for your great energy & info. Today is a new day financially 🙏

So you saw financial advice that were prefaced with “men only” or “women only”? I doubt that. It was most likely a KZbin video presented by a man or woman and you received it that way. I’ve never seen any financial advice program or video that was exclusionary unless it was financially exclusive (ie by income level). One thing that may turn people off is someone in their 20’s giving life or financial advice as that do not have the essential experience & track record to be credible.

What do you do for a living ? Not sure if you shared your job unless I missed it.

Wanted to check this video out to see the route you took to achieve this impress win. However, I was turned off by all the gender, race, and ethnic inequality talk. My goodness! We can all achieve greatness. If I sit here and think I can't do something because of where I immigrated from or because my skin tone has more melanin, I will cripple myself into victimhood and insanity. If you're going to empower people, EMPOWER them. Quit giving them a crutch. "Dave's beliefs are controversial..." Get out if here with that noise 🤦🏾‍♂️

Hi Jenny thanks looking forward to getting more motivated thank you

So glad there is no back ground music. Thanks!!!

Thanks so much, Jenny for your insight. I totally agree with you on Dave Ramsey, I think his advice is good in addressing mindsets that we might have to adjust so it is a good start. Im so excited to see a young couple taking control of your finances early. Keep it up.

Increase passive income in higher yield savings, roths and other sources. You cant save your way to retirement alone and there arent enough hours in a day to work. Money doesnt sleep.

I was not from immigrant family. My parents were 1950s Midwest parents who came from nothing and retired wealthy because they started at 18 and 21. They never pulled me aside and told me, this is how you do finances. Like so many people nowadays, I have never been married or had children. I never had the accountability to budget and work together to build anything. I am so obsessed with youtube finance channels to normalize and level up.. I am partial to " vivian your BFF" I now wished i had had a partner to call me out for YOLO BS finances. Budgeting to plan where money needs to go and tracking it to make sure it got there.. if not...why not??? That was a game changer. Thanks for the video.

Great video ❤

What is a woman?

this was really helpful!

I agree that watching utube videos about debt free is very motivating. I’ve added the cash envelope program to my schedule. It’s a lot of fun that I can do and see my progress.

Yes what this woman explains but I have always hated this phrase. Though I have heard this same exact phrase time and time again, I will honestly admit the phrasing is vague so the explanation will change every time. I have heard it explained many different ways and totally different than how OP describes it. What I boiled down to be the best strategy is saving like she says and not accruing what I call "punishment fees" (insurance lapses, overdraft fees, late fees). Also to build build build your credit score because that will become necessary for financing in the future. Hardly no one buys a house outright. Even though it's cheaper to buy houses outright, most only will have a down payment once they want to start amassing equity and they get frustrated financing landlords' investments. But you also need the great credit score on top of the down payment.

Have you heard of CampFI or Camp Mustache? The ChooseFI community and Mr. Money Mustache community have created events for their listeners/ readers to get together and discuss FI/RE.

So true. Some companies even separate yearly reviews from the yearly raise discussion which is super cool. That way you can bring up $ ahead of time.

Great points

Love how u explain everything ,

How much was it

This was so motivating ♥️ Thank you for this! You are so helpful!

So your advice isn’t for me then ? I’m a man from the UK , so I don’t fit your desired audience

$6 latte. Jesus. 🙄

Paid 200k in 1yr. Husband and i together.

My husband and I did the debt snowball first then after we paid off that first car we went to the highest apr. Once we paid the credit cards off we snowballed our car payment. I know Dave recommends selling the car and buying a beater but we didn’t want to do that. 😂 I still use credit cards but it’s only for points. We pay off cards monthly. It would be easy enough to switch to just using a debit card but we felt there were more protections when using a credit card instead. 🤷‍♀️ It’s a good feeling to not have debt and live within your means.

the dedication *Espionagehub* has kept my family so pure and debt free. Well done Alex, that money will really help me and my family......

the dedication *Espionagehub* has kept my family so pure and debt free. Well done Alex, that money will really help me and my family......

the dedication *Espionagehub* has kept my family so pure and debt free. Well done Alex, that money will really help me and my family......

Man, what a way to explain all, I love it!! no shouts, no pose, no cringe attitude, just humble and precise information on how to be debt free. Thanks for doing it this way. *Epionagehub* is the best for CC debt free station........

Man, what a way to explain all, I love it!! no shouts, no pose, no cringe attitude, just humble and precise information on how to be debt free. Thanks for doing it this way. *Epionagehub* is the best for CC debt free station........

Man, what a way to explain all, I love it!! no shouts, no pose, no cringe attitude, just humble and precise information on how to be debt free. Thanks for doing it this way. *Epionagehub* is the best for CC debt free station........

In other words, the reason you don’t like Dave Ramsey is he’s a Bible believing Christian. Got it.

Its interesting to me, that as a man.... I understand what is being said about men being catered to "Invest, or pick up extra jobs." Where, I as a father of 3, feel more inline with advice given by women dealing with debt repayment. It seems much more realistic than typical advice for men. Lol

The thing that motivated me the most to not buy bs stuff while getting rid of debt was the mentality that youre paying more for everything you buy while holding high interest cc debt. Each dollar you spend is a dollar you arent using to pay down that 30% interest card, so essentially youre paying an extra premium on everything until you clear the debt. Also the longer the debt persists, youre losing the ability to invest those dollars and the compound interest they could earn so it becomes an even bigger loss.

Wish I knew this long time ago. I’d be retiring/working much less in 5 years and curious to know best how people split their pay, how much of it goes into savings, spendings or investments? I earn around $150k per year, but nothing to show for it yet.

Love this

Stop the men v women thing. Stop blaming your parents for lack of financial literacy. Get to the facts and stop your biases. You should listen to yourself.

Great tips! Especially appreciate the idea of watching the content you're consuming. SO important to be a part of the right conversations!

I love how articulate you are! Thanks for making this video!

Stacey Flowers is a woman who shared her debt free journey on youtube, and it was so inspiring to me. I am glad to see another woman on here because, like you said, we're few and far between.

This advice is gold! What other financial tips do you have for millennials?

I wish in my 20's some can some make the video more early 2003.

Great video! You explained everything very well!

This men vs women thing in the beginning took me right out the video sorry

I know social media might make you want to travel extravagantly like everyone else, but it’s important to make smart financial choices as you plan your vacation! I highly recommend @sprucemoney_ because it’s a tool that makes it easy to budget and save for things, like vacations. You can create up to two saving goals at a time, and automatically put money away towards the goal. Check out Spruce via the link in my bio! #summertravel #travelonabudget #personalfinance Disclaimer: Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®.

Excellent video and explanation, thank you so much, really motivating too listen too and informative!