5 weird ways I saved 100k without a high income

[@gojereme]

Feeling stuck or burnout? Download my free guide to getting clear. bit.ly/FreeGuideGetClear - it walks you through the steps I took to uncover my truth and get up every morning excited about life with clear direction without “positive thinking”, creating vision boards, or journaling.

[@BossnurseCouple]

How did you get so many views ? I am a new channel and want some tips. Thanks

[@DaveM-FFB]

I kept telling myself that every $100K saved and invested is $10K/yr income for life (on average). Before long, you have lifestyle choices you never imagined. Great job!

[@MadLlamaFilms]

False...you may see those gains on average but if there is a down year you will quickly lose that principal. Plus inflation, so 100k now is not worth as much in 10 years.

[@DaveM-FFB]

@@MadLlamaFilms $100K invested in an S&P index fund will average 10% per year over the long term, or an average of $10K/yr. Doesn't mean you have to spend it all.

[@Ray-pp5qb]

@@MadLlamaFilms he is correct. If you have the knowledge, you cant make a good amount of money of 100k without ever touching the principle.

[@colette00]

I am 20 years old with a lot of different passions and ideas and very much not interested in slaving away at a 40 hours a week corporate job with a fat paycheck for the rest of my life. I am currently investing in building the life I want now and figuring out how to manage my finances in a way that makes that possible and honors the Lord. This is so encouraging and helpful! Thank you for sharing these parts of your life with us it is very motivating and inspiring

[@gojereme]

Hey Dana! Thanks for watching. I think what you said is key. Let's be intentional and be a good steward with how we spend/manage our money to honor the Lord.

[@Snow-oc7]

Daddy lie to you..you not a princess..haha i just joke and wish you all good for your future😉

[@iwantfoods1652]

"...with a lot of different passions and ideas and very much not interested in slaving away at a 40 hours a week corporate job" We're very similar in that regard. While we may working at a stressful or tiring job, I want to encourage you with this: you may learn skills on the job that may help you in working for the Lord later, and you can still glorify God during your time there even if that's not the ultimate goal or place you want to be at the moment.

[@flam8882]

Pretend you just got fired and start living on half your income. Adapt, change, cut out the extras and bank the other half. It's hard but in 3-5 years you can accomplish it. Better to learn to live on less when you can make the choice than when the choice is made for you.

[@darleneachille491]

That’s Good Beth!!❤️🙏🏽👑🥰

[@lanaturalezahermosa1713]

Thank you Beth 🙏❤ God bless you

[@jenniferma1982]

Wise words Beth! Thank you! :)

[@maz_miily]

Facts it's a mind thing

[@fabian987m]

Im almost at 100k, will reach it in a couple months. Still living with my parents to save money, plus I have an electric car thats paid off and I dont spend on gas.

[@gojereme]

Nice, Fabian. You worked hard, now use it wisely, or put it to work for you!

[@marcmini8137]

how old areee u. just curiois foor my peeersoonal lifeeee.

[@GabrielMartinez-sd8pc]

Dude nice! Great job!

[@thisguy5759]

May I ask how old are you ?

[@just2bless09]

@@thisguy5759 Some people like yourself are very blessed and fortunate to have their parents support in order to reach a Financial Goal. I on the other hand , as a SINGLE Mom also, has had the opposite and have had to figure things out along the way, with the Help and Guidance of the Lord, Thank you Jesus!

[@M-hc9xm]

As someone approaching retirement, I can tell you we used some of these strategies and they WORK. Sharing a car isn't something every couple can do, but it really pays off and helps communication. We never made a lot of money, but we will be more comfortable in our retirement than we were in our early years out of college.

[@gojereme]

Interesting how you say you will be more comfortable in retirement! It’s all about perspective. You sound content and grateful!

[@maithao4551]

“You have to choose your hard.” Love that message! Thank you for the tips. A service based skill. I like how you put that. And lastly, I never thought about not owning a pet to save money.

[@gojereme]

Absolutely!!

[@MiriamImperial]

I'm glad you mentioned pets. Nobody mentions them when it comes to saving money. You can end up spending thousands of dollars if they get sick.

[@standingonmountain3975]

Pet insurance.

[@yavenay]

I do, they are included in my budget which includes food and vet care.

[@VelvetyMoon]

Yep just spent $2,000 on my cat. 😑

[@thatswhatisaid8908]

@@VelvetyMoon i spent $1000 on mine. I had to use my credit card. $1000 to pay off, and now no cat either.

[@Veronicaoffidani1]

I can save and have 3 dogs, I just prioritize my dogs over other things that aren’t important to me 😀

[@goldennlust]

Jereme: "don't get a pet." Me: looking at my puppy that I got 3 months ago o_O

[@gojereme]

This made me laugh out loud. I love puppies - You do you ;)

[@logarithmic7]

lol you just have to be more creative! Pet sitting, youtube channel about your puppy, puppy advertising gigs, train that dog for marketable skills lol creative......

[@goldennlust]

@@logarithmic7 Working on it, actually!! I gave my pup a bad haircut so I have to wait a little LOL.

[@Cat-es9rq]

I grew up in an Asian country and every house owns a puppies and cats. We give them what we eat, love them. It’s a scam to feed puppies and cats those artificial canned food that sitting in a store for months. This is all about money. And a veterinary doctor is not expensive in Asian countries. Healthcare is free for pets.

[@J.Young808]

@@goldennlust if you are going to put puppy on a YT channel you should show his bad haircut.

[@NaeNae23]

You said how "I" saved... on your title. It should be "we". It makes a massive difference when it is a two income household.

[@lydialutz]

and i detect they dont have kids??!

[@HavaWM]

@@lydialutz - they do. A little baby boy, if I’m not mistaken.

[@jellygurl27]

Right. Misleading title. Especially when he said "We" . People forget about single people with low income in these situations.

[@just2bless09]

@@freddyalways1991 Or a Side Hustle.... Babysitting, Mystery Shopping, Selling on ebay/Amazon/Craigslist (Contrary to what he mentioned in video), Selling books/Kid Clothes to Local Consignment Stores (Bookman, Once Upon a Child), Market Research Group (Testing /Opinion of a Product) Flea Market Vendor. These are some of the ways I have earned extra money, in fact this is the way I've been able to Support and Sustain as a SINGLE Stay at Home MOM,. With the Lord's Help Wisdom and Guidance #1, to God be the Glory!

[@freddyalways1991]

@@just2bless09 amen 🙏

[@nayelis_888]

Great advice here! My wife and I were both on a really tight budget for almost two years while we paid off all our debts. Once paid off we rented our home on Airbnb for 6 months and saved most of that money. When covid hit we sold our home. Bought two acres of land in Hawaii and built ourselves a tiny house totally off grid. Now we are completely rent and debt and own everything we have. My coworkers always thought I was weird shopping at goodwill and being frugal and eating my home made lunch everyday while they were always eating out and spending money now they all look at what we did and wish they would of done the same. The future for us is bright now. We are focused on saving as much as we can so we can start our own small business and continue to build houses on our two acres. It’s not that people don’t make enough money it’s that people are too materialistic and get themselves into debt. Anyone can do what we and yall did with focus. Congrats man!

[@gojereme]

Appreciate that Nay! So cool u were able to do the same in such a beautiful place!

[@QballSam]

nice! you mentioned that you rented your home on air bnb, but if you did that where did you live? or did you rent part of your home while living in it?

[@AndyLozanoTello]

Congratulations, 🎉 everyone wants the easy route - not the sacrifice. Thanks for sharing your story.

[@ericas6296]

1 Dont have pets 2. Have one vehicle that you share 3. Live in the cheapest rent place you can 4. Leverage credit cards for travel expenses (use points) 5. Learn a new skill - they learned how to take photos and edit -Live below your means while trying to make more money at the same time- 👍

[@gojereme]

you got it!

[@nikki27ish]

We have 3 dogs already so they aren't going anywhere but yes they are an expense.

[@kenyonbissett3512]

@@nikki27ish worked with a 26 yr old woman who had 3 large dogs that were untrained. She was clueless why no one would watch them for her, lol. (Drool everywhere, got on furniture, chewed furniture, were partially potty trained, knocked things over, etc)

[@nikki27ish]

@@kenyonbissett3512 mine are rescues and actually really well behaved, plus they are small shih tzus lol. People have a responsibility to train their dogs to behave appropriately, irresponsible owners drive me mad.

[@kenyonbissett3512]

@@nikki27ish glad to hear it and I agree. Your comment of 3 dogs and his comments about friends and family watching them reminded me of her dogs. I wasn’t thinking you were like her though. Sorry if you thought that. 😁

[@odalaigh]

I started doing real estate photography. It’s turned into a 30k a year side gig!

[@gojereme]

Right on!

[@LifeNewJourney]

What exactly does that entails? Is it pretty much taking pictures for property that’s for sale?

[@odalaigh]

@@LifeNewJourney Yes. I am shooting 3-5 houses a week after my 9-5 job at ~$250 a shoot. Interior/exterior/drone photography.

[@just1Commentator]

@@odalaigh link to your website?

[@odalaigh]

@@just1Commentator up north imaging

[@saramarkowicz]

I just LOVE the way you talk, most of the time I wanna go straight to the point, I just felt like listening to you because it feels like you're talking to a friend, and that's natural. Thank you !!

[@gojereme]

Hey Sara! I know, same - sometimes it can take a bit to get to the point, so I fast forward through other videos. I do my best to say only what's necessary and try to stay on topic when I create videos. Thanks so much for watching!

[@lucilletorres5989]

I like how you mention parenting a pet. Many pet parents don’t realize the expenses they can incur depending on health of pet, the pet’s behavior, and care for pet when one is away. Plus, as you mentioned, the expense of pet deposits and increased rent. It all adds up.

[@mskay949]

Great tips, I have always said it's not how much money you make, it's how you manage it. I am the opposite of you, I had pets when I was younger and my kids were little and growing up. I am a senior now and live on social security and even though I love pets, I don't have one. You are right it takes time and money to have a pet, and they say 30% of seniors fall, and are injured from tripping over a pet. Now I go to my kids and see and play with their cats and dogs. The best of both worlds. Hugs and Blessings to all!

[@christopherrosas2738]

The basic rules to putting more money in your pocket, live below your means, increase income if you can, and lower expenses as much as possible..... this is something not everyone can understand, but they're so easy to understand..... this is actually why I had one of my friends who was struggling financially get on a ledger...... it really helps you see where your money is going and when you maybe can't afford that thing you want

[@kenyonbissett3512]

Some people think 2 brand new cars is a need and having one quality used car is literally impossible (but that’s all in there head).

[@jainthorne4136]

When I moved to Portland OR in 2008 I parked my sports car for a month to see how easy it was to live without a car. I did it simply as a fun social experiment. After the first week, I never looked back. I sold my car and rode a bicycle everywhere including a 15 mile one way bike commute to work. When the weather was really bad (only about 3 weeks out of the year), I took public transit. I used Zipcar about once or twice a month at first but now Lyft is my go-to option when I really need a ride in a car. The amount of money that it saved me over the course of the last 13 years allowed me to finally become debt free without ever feeling deprived. It also put me in a position to buy my tiny condo last December and I'm budgeted out to pay off my mortgage in 3 years instead of 30. The power of re-thinking how you do things should never be underestimated.

[@stevedorsan587]

That is amazing!! Keep up the grind 💪🏿

[@jainthorne4136]

@@stevedorsan587 Thank you. It becomes addictive once you realize that we have so much power to change things within our lives. If I had never questioned the "I have to have a car" assumption, I would still be in debt today.

[@stevedorsan587]

@@jainthorne4136 Trust me I know this first hand because I have a car 😔 but to better decisions 🍾

[@karenmarrowlive]

I love this!! We are moving into a 320 foot container home on an acre of land this year. I’m tired of so many expenses and am ready to live the minimalist lifestyle and have freedom!! Great channel you have here and very inspiring!!

[@jainthorne4136]

You won't regret it. I used to own a 13 room house. It was lovely but I don't miss it at all. I now live in a 386 square foot condo that is amazing and gives me everything I need and want. I can clean the whole place in under an hour, my electric bill averages around $25 a month and even though I live in the heart of the city my property taxes are very affordable. The best part is my mortgage is so small that I will be paying off my 30 year mortgage in 3 years.

[@karenmarrowlive]

@@jainthorne4136 that’s SO awesome!! We are just looking for a bank to give us a loan. We had been working with one for months and then they decided they are no longer doing those types of loans. But eventually everything will work out and I know I will be glad we did it. Thanks for sharing your story.

[@qmakesithappen]

You guys really got after it! I love hearing stories like these man. I'm on the road to F.I. myself and it's definitely work. Choose your hard is something I say often and you're absolutely right about that! Nothing worth having comes easy, I wish you and your family continued blessings 🙏🏽

[@vegask2]

Living with your parents is the best way to save money.

[@spencervance8484]

Well thats something i cant do

[@kenyonbissett3512]

Not if they charge room and board about equal to your own place and live one hr from your job.

[@adrian3747_]

well i have no choice coz my mom depends on me :(

[@Panda03333]

I think it’s terrible for someone over 18 to live and leech off of parents

[@kenyonbissett3512]

@@Panda03333 I think it depends on the situation. Some parents live in a mansion and barely ever see a child (18+), some stay because it’s part of their culture, others help support/care for a sick or financially needy parent. If you are talking about 18+ with no job not contributing and mamma does his cleaning, cooking and laundry then you are right, he/she has gotta go.

[@GreatestXchange]

Nothing weird on your list. Agree with you 100%!

[@gojereme]

;)

[@money16356]

I have a dog because my parents were going to put him down. But walking him 2-4 miles a day helps calm him and forces me to exercise /lose weight. I do project work for real estate company that I worked as a employee for 5 years. I get a studio with electronic and internet included since its setup as airbnb

[@sourcow56]

Thank you for taking care of your dog and not letting your parents put him down

[@Noodlepunk]

Something I can suggest as well if you don't mind and you need a car, is I got my car at an auction. I won the bid at 600.00 on a 2003 Grand marquis. Total was 900 after title, transferring etc.

[@gojereme]

wow! I need to check out an auction!

[@laverdadbuscador]

I'm a mid/upper manager at a big company. I could easily afford these BMW's and Teslas my employees buy, but I drive a beat up 98 Saturn stationwagon that's missing a passenger seat. Why? Because I have tools at home and the skills to keep my rat car going. The money I save by not having vehicular-debt goes into retirement.

[@samantharivero6400]

My husband and I just bought our first home at 23 years old. We are looking for new ways to manage our money and be cost effective. We have two kids and the cost of living is going UP in florida! This was super informative and helped. Thank you again!

[@christianlacroix_]

Love this! Needs not wants are the differences in success.

[@gojereme]

Thanks Christian! For sure, primarily at the beginning of your journey if you want to coast in your 30s/40s.

[@ReginaTynique]

I never thought about saving in this way, thank you for these tips!💛

[@gojereme]

Awesome Regina! What tip stood out to you the most?

[@jjburnes5176]

I’m just starting my career, but this is what I want to do!

[@gojereme]

Do it! Wish I knew this at 18!

[@ericachristensen1778]

I need a whole video on leveraging CCs for travel!!!!

[@gojereme]

watch the video about how I leverage them here - kzbin.info/www/bejne/rJTUnHSugbR6kK8

[@randaray24]

Oh yes thank you!!!!!!

[@IdaMaySmith]

Frugal meals that you guys make would be cool!

[@gojereme]

Hey there! We don’t really aim to be frugal with our home cooked meals. It’s more so when we go out to eat, nothing really over 15 bucks a meal most of the time. If I’m going to eat at home, I’m going to eat good.

[@racheloshaksmusic]

Yes facts ! I’m a full time student and also working full time because I have a strong desire to save up. It hasn’t been easy at all, I find myself so tired. God is my strength when things get hard. I tell myself “the suffering is only temporary, it’s only for a little while.” I’ll reap the fruits of my labour ! I’m loving these videos on how you and your wife made this gorgeous home, please make more around this topic! Subscribed

[@gojereme]

You got this, Rachel! Rooting for ya :) and you’re absolutely right, God is our strength. I wouldn’t be where I am today without him.

[@racheloshaksmusic]

Jereme thank you so much 🥺🙏🏾❤️

[@lalarey89]

Such an eye opener- thanks for sharing!

[@arto00-g2n]

Moral of the story: make financial sacrifices to focus on saving and consider alternatives for expenses you want. A variation of living within your means plus having a goal and time frame you want to accomplish it.The tips shared are appreciated! Im working on this with my wife, children and pets. I’m hoping to accomplish this and retire in 2-3 years while in my 30s. Takes time to plan this type of lifestyle and accept the sacrifices it demands.

[@cnataliec1]

Your videos are so inspiring. I moved from California to Georgia and have done and followed some of the steps you guys did! Thanks for sharing. I will certainly keep watching.

[@gojereme]

Natalie, that’s awesome! One of the reasons I created this channel was to prove that I wasn’t crazy because I knew there had to be others on the same path! :)

[@gojereme]

I am a little crazy though...so. 😂

[@jainthorne4136]

@@gojereme hahaha....all the best people are a little crazy.

[@SCSC-qz7rr]

Great tips! Bottom line you have to sacrifice something if you want to achieve your goal. I think if we all can take something from this pandemic, it’s how to minimize our lives. We tend to clutter our lives with material things that we end up donating or throwing away, that’s money we’ve spent and could’ve saved. The pandemic made me realized how much money I was spending eating out at restaurants, buying Starbucks coffee, buying clothes I didn’t need when on sale, now I’m so used to cooking at home all the time, making my own coffee, not buying clothes at all, I have 2 closets full of clothes and I basically wear the same things, go figure. I’ve paid off most of my credit cards, I’m saving money, I was going to get a dog, but after your video, not anymore…I’m trying to cut my expenses, not add to them…Thank you so much for sharing your tips! God bless you! 🙏

[@kenyonbissett3512]

Here is a way to cut the coffee cost while still maintaining high quality coffee. Try to get it on sale, of course. Get whole beans, grind to a Turkish blend. It will seem like less coffee but it’s still the same amount. Now, when you make your coffee you use 1/2 the amount you usually do to make coffee. If you are willing to get over the ick factor, save those grounds and add 1/4 of normal amount of coffee to those used grounds and make your coffee. I did this for over a year before my husband caught on. He is very picky about his coffee. The Turkish grind saved a lot of arguments, I don’t drink coffee and never have.

[@randaray24]

The house and the 100G is amazing but what I really want to know is how you travel for free using CC. Points? Cash back? Can you make a vid about that? Please? :)

[@lanaturalezahermosa1713]

Thanks brother for sharing. Helpful guidance. God bless you and keep you and the family 🙏 blessings

[@ngreat4390]

In Nigeria debt free is the only life. Yes people go into debt but it is by choice and not because of some wierd credit score thingy. It's very wierd that an entire economy is based on how much you can borrow to buy things you don't need. we pay house rent ahead, but everything else is bought in cash and you can pretty much live your entire life without paying taxes if your income is not tracked abd you never have to travel out of the country...or apply for government contract or any official transactions like that.. not like I advise it because it's not responsible but in the end you can save a lot of money to invest in land cos we love to build our own houses

[@sacredaura2170]

I can’t wait to visit my mentor who lives in Nigeria

[@fishingsouls4christceoofgi614]

Thankyou for sharing!

[@KB-vs7ek]

Same situation here. My husband and I were living in a very small appartment for a low rent. So we are able to save much money in a short time period. Our goal was to built a house (we are living in Germany). We did that. In Germany means building a house to a have 300k € and more mortgage debt! Our whole house costs us nearly around 500k €. And with hard work und put the money into debt, we will be debt free in max. 10 years. That is 13 years early than the bank calculated. Often family members do not understand why we are sometimes living frugal. Or do not go for expensive holidays. But later we are able to support our children with student loans or helping them to give a good fundament for building/buying their own homes.

[@elainekarrh2240]

Your house is so beautiful!! Great video!!

[@ttu888didfitrhondavigil8]

I watched a few of your videos. I'd like to see a budget video. Where is your income coming from? What are your expenses? Perks of low income? Are you receiving gov assistance due to your low income? Health insurance? So many questions. I hope you will make a video on your budget.

[@AM-jn2ob]

So genuine! Glad I found this channel! Thanks for the tips 👍🏼

[@gojereme]

Glad you're here AM! Thanks for watching.

[@mrs.t7254]

Terrific advice!! This is exactly how it’s done. Live humbly for a little while people. We can do it!👏🏻👏🏻👏🏻

[@gojereme]

can totally be done!

[@thelordismyshepherd1366]

I am very impressed with your way of thinking for such a young person. You both are such visionaries, well done.

[@donyamonique]

Loved your video! You have great practical tips. Thank you!

[@xoxashley44]

Great video! It seems like you’re always looking for feedback. I think your video would be improved if you put text on the screen when you’re making bullet points like this.

[@gojereme]

Thanks Ashely! Good point, I’ll keep that in mind. 👍🏽

[@AkayaA7]

I loved your first video I saw with you and your wife explaining how you stopped telling ppl that your debt free it brought me wisdom. This is very relatable because I'm very frugal and want to reach 100k soon.

[@dianer8881]

There's so much more: Learn to go without. Never take out a loan. By the time you save for something, you'll realize you don't really need it. Buy an old car. More than 10 years ago, I paid $3300 for a 1996 Chevrolet truck with a cab. Still runs great! Take good care of what you have. My furniture, clothes, linens and kitchenware are more than 40 years old. Everything is still like new. Maintain a low weight. My grocery bill is about $25 per week. With home, vehicle and medical insurance, choose plans with high deductibles or liability only. If you're low-income, you may qualify for assistance to pay the phone, electric, propane, heat, food, etc. I worked part-time most of my career. Really enjoyed my time off. Comfortably retired in a mortgage-free 2000 sq ft home. My share of the bills is about $5000 a year. My boyfriend pays more, because he has a stupid credit card.

[@andreas_reyes]

I agree with you mostly, but full coverage is a must. It seems that drunk drivers love to run into me and total my cars at least every 2 years.

[@emmaafriyie5170]

I am very motivated by you. Thank you so much for sharing

[@jessicatounkara8753]

I am really glad I found this channel.

[@imdee9024]

Fresh, new perspective. Really enjoyed your vid. I've subscribed.

[@mrsm3442]

Great ideas. Thank you for posting. :)

[@kerrysugg9030]

WOW!!! I am sooooooo impressed! Congratulations on what you 2 have accomplished! You are wise beyond your years!

[@PrairieeGirl]

Great video😊

[@seniortips1196]

Well I’ve got to tell you how wise you are at your age. I’m 60 and certainly wasn’t that savvy until probably 50. You are both very intelligent and you knew what you wanted and worked toward that goal having to give up things along the way. Your maturity towards finance is something to be proud of and I commend you. God bless you and your family!

[@Stephanie-C.S]

Great tips! Just curious what resources did you use to teach yourself photography and videography. We are interested in learning this. Thanks!

[@gojereme]

Hey Stephanie! Self taught from youtube actually and just lots of practice shooting everywhere I went and doing shoots for free at first :) My advice to you if you want to get into it is learn the fundamental principles of photography and don't get caught up in the tools. So things like composition, rule of thirds, depth of field, etc. Your cell phone camera is super powerful, so don't underestimate it. My iPhone is my favorite camera because it's the one I always have with me. Start with what you have, and if you really like it - then invest in a camera and lens.

[@Stephanie-C.S]

@@gojereme thank you so much for the reply and advice. I am not familiar with those photography terms so I will be researching them. I take some pretty decent pics w my iPhone camera so I’m excited to learn these principles and better myself! Thanks again!

[@marine377]

@@Stephanie-C.S I started my photography business about 2 years ago and I love my job so much , you can see my work on instagram for inspiration if you want : instagram.com/marinegibert_photographer

[@Stephanie-C.S]

@@marine377 thank you!

[@DaveM-FFB]

Brilliant! Saving the first $100K is the toughest. Common sense, however most folks lack the focus and discipline to do them.

[@gojereme]

Tough, but worth it! Thanks!

[@amygarza1571]

I have really enjoyed your videos. Keep up the great work.

[@gojereme]

Thank you, Amy - will do!

[@bethelight8617]

Great points! Would you mind expanding on how you used credit cards to travel? Also would love to know the camera you recommend for doing a photography business! Cheers!

[@phxazdesigner]

Thanks for that. Good video. Inspirational.

[@clementine4133]

Congratulations on your success, great videos! It is so good to see people, especially young people making their choice, making a plan and getting there! Thank you for sharing.

[@syrtycon7299]

Don’t have kids. Would rather have pets. Much cheaper than kids.

[@gojereme]

Got a kid on the way! lol

[@cbebop5]

Congratulations! Praying for a healthy pregnancy and delivery

[@gojereme]

@@cbebop5 Thank you so much :)

[@rosegonzalez5317]

New subbie! I'm loving the content, kudos to you both!!

[@gojereme]

Thanks Rose! Love that name.

[@Jolene_Beyond9to5]

5-6k for vacation!!! Where are you going?

[@NN-ix3ku]

Further, using "points" implies that they are spending a lot of money to get said benefit. This isn't passing the smell test.

[@nbanda1000]

Thanks for the inspiration!

[@s.hylton6884]

"Choose your hard." Yes! Love it! So right!

[@mariaho9182]

These are some great tips ! Especially pet and car ownerships can be astronomical!

[@gojereme]

Thanks Maria! Yea, it’s incredible how those things add up!

[@privateprivate8366]

Lost me with no pets. Pet ownership has saved the lives of many of my coworkers and family members.😂

[@jjkatz]

Agree! I’d never be without a pet. They are worth it!

[@lizcarr2097]

Those are good tips. I do some of these and didn't think about the money we are saving. Thanks for pointing that out. WE are making progress.

[@yeseniarios3304]

My husband took on a union position at work and that’s an additional income we’ve been having and I hadn’t thought about how that smaller sporadic income can and will help until I saw this video lol dumb right. Thank you! We’re getting started saving now because this world is crazy and I don’t want to be trapped like everyone else. Thank you!

[@maz_miily]

I just turned 30 august 26 my goal is to save 50k cash in 36 months at my job and thats my estimation after me paying my bills and paying myself first so thats realistically what ill save working one job and staying consistent so im using your strategy wish me luck

[@DebtFreeDad]

Lol, wifey and I were just talking about your channel. Bruh bruh, not judging on the pink cup. Lol.

[@gojereme]

😂

[@krystalwirth9646]

Thank you. My ex and I moved to Portland, OR in 2016. I saved up 12,000 grand in 1 year. Ever month I put away 1 grand, no fancy coffee's or clothes. Food, bills and rent. I didn't have a car for 3 yrs I rode my bike to work. My ex had a car so it worked out. It's so much easier when you have a partner to do this with since half the rent is split!! I miss being out of debt and having a fat savings.

[@DiscipleSteven]

Gas and insurance on our car is probably about $200 and we just have one driver as of now. Adding my wife as a driver or a second car would easily probably double it. I don't think a lot of people take gas/insurance in to account when getting a newer or second vehicle.

[@gojereme]

For sure, most underestimate the cost

[@glorias.2930]

New subscriber here! Loving your channel. I just checked out your website. It's very nice! I'm getting certified for a new skill and will soon need a website. I have tried to create one so many times but have failed. Did you create your own? If not, what is the most I should spend for someone to create one for me? I need something super basic with just my picture and list of services offered. Thanks Jeremy!

[@blessedtress]

Great video! My husband and I have done a lot of these! Awesome! Can you please do a video teaching how you leveraged your credit cards to travel for less?

[@calebcarlson3963]

Great tip about credit cards and traveling! I definitely disagree with Dave about credit cards. Use them wisely to build credit.

[@jrccandleco7939]

I really love this channel!! You and your wife really work as a team!!

[@gojereme]

Thanks Joey! Having a great life partner and being on the same page is literally a “life hack” in so many ways.

[@jrccandleco7939]

@@gojereme I am trying all things possible to get out of debt and conserve money. My partner and I need the pointers! Living in NYC it’s very expensive! I’m also in school. Thanks to your channel your encouraging us to make positive changes! Keep up the good content.!!

[@beccachurch]

Good for you, two. You succeeded. I am retired WITH debt and see the widom in your process!!

[@geejanet1143]

Very informative video bro love your KZbin channel

[@mjbowles]

We do pretty much of all these things. We've only ever had one vehicle. I'm stuck home 24/7 with 2 kids and we only have 1 income. Currently living with my in-laws and I do everything. It's a struggle for us every day. We are saving up for a house, houses here are all above 100k, my husband works only technical jobs for companies like Intel, Samsung, etc.

[@gojereme]

Hey MJ! I understand, I lived my in laws for a period too. But we were blessed to even let us stay with them! It helped a lot. Just remember this is only a season.

[@kaylavaldes5680]

Greetings from a fellow Oregonian! 👋Just came across your channel and love your content. I'm a big Dave Ramsey fan too, but I admittedly leverage my credit cards as well 😆

[@albertolizarraga7251]

What up Kayla! Small world 🌎. Scrolling through the comments I was like fellow Oregonian...🤔😀...

[@gojereme]

Hey, Kayla! Appreciate it! Will be back to visit Portland here in few weeks. Cant wait to get some good food from fire on the mountain and la provence! And I will put it all on the credit card for 2x the points lol

[@kaylavaldes5680]

@@albertolizarraga7251 LOL I was going through my emails and saw a notification that you had replied to my comment 😆. Small world for sure!

[@robd.153]

LOL! Love the outtakes at the end.

[@HavaWM]

We did some things the opposite of you, but I think our “take” on it still works: 1) Have pets, not kids. Yes, pets are expensive, but kids are MASSIVELY more expensive. 2) Have two vehicles, not one - one for each application and need. We live way out in the countryside, on my parents’ farm, and furniture flipping is our “side gig,” as is selling high-end handmade items at craft fairs. Both of these require a truck, and bc we can’t afford a brand-new, all-electric truck but instead drive a 1993 diesel, our gas mileage for that vehicle is SHIT. If we stuck to the “We can only have one vehicle” plan, we’d be spending stupid amounts of money on diesel every month. To give you an idea of our situation, we live 45 minutes by freeway to the closest “major” city, where we can go grocery shopping. The “town” we live in has a population of 300. 😬 So we have our super useful, older, paid-off truck for when we need to pull a trailer or pick up (or drop off) a big piece of furniture, but it otherwise doesn’t make sense to use this truck if we don’t have to. Enter our Ford Escape - 2007, more than twice the mileage, plus it runs on gas not diesel…it’s about three times cheaper to go to town in our Escape than it is our truck. We paid $3k cash for it. Both vehicles paid off; no debt. My parents gave us property (basically gave us our inheritance early) that we will be building our house on, using as many reclaimed items off Craigslist and FB Marketplace as possible. We have to pay for major infrastructure for this house bc it isn’t there right now (electricity, septic tank, well) so it won’t be possible to end the build without debt. But with the land already “paid for” and with us buying used items whenever possible, we’re hoping to end the build project with minimal debt that we’ll be able to pay off in a timely manner. Anywho, sorry for the long response. I just thought I’d throw out there how we’re aiming for the same thing but going about it in the opposite way. ❤️😀

[@HavaWM]

PS I forgot to respond to the credit card thing - I’m glad y’all were able to use credit cards to buy groceries and such and then use those points to pay for vacations and travel. My favorite place to buy cheap groceries (bc it’s an employee-owned business without lots of stockholders to please) is Winco. I believe they’re only out West, but they’re AWESOME. Best prices around, and their employees are lifers, bc they make good money and are treated well. Anywho, I mention Winco bc one of the ways that they keep their prices is low is they don’t accept credit cards. You have to pay with a debit card or with cash. Then there’s the reality that my husband and I got ourselves into a LOT of debt over the years bc of using a credit card unwisely, so we will never get another one, for fear of falling into that trap again. Instead, we pull our 23’ travel trailer (paid off!) with our diesel truck (paid off!) and stay on BLM (public) land for free as our vacations. The cost? Food and diesel. Nothing else. Whew! I’m sorry for these insanely long comments! 😄I just wanted to share how we’re tackling this issue, since it’s diametrically opposite from you, but at the same time, we’re both working towards the same goal (living life on our own terms). I’m glad I found y’all today - it’s been fun to watch your videos!

[@apostlerobbiegray]

Amen thanks Bless you and your new son in Christ

[@TheShift1313]

I might suggest a possible flip on the rent. Depending on where you live owning a home on a 15year mortgage means you aren't losing money to interest and if you are smart your asset will increase in value. That 500 in rent is 6k a year going to nothing. But a 1000 mortgage on a 15 year loan is 12k you are investing. With the right interest rates that is very little interest. I lived in low rent for about 9 years with low income job and managed to save but really wished I owned the home I was renting. 700/mo for years just gone.

[@Sunjamaa]

Love this ❤️

[@gojereme]

Thanks, Porsha!

[@exemida]

Whats Leveraging credit cards?

[@1Letter23Numbers.]

We live cheap, have 1 car, don't travel but take advantage of cashback cards to pay for goodies here and there, and we're crafty/ DIY people. The dogs disagree with #1 lol. When I travel for work I treat myself to that $3 Dunkin Donuts Iced Coffee. Great job on your family's determination to stay on track to hit your goal. WTG!!!

[@camicri4263]

Good for you to start so young! As you were filming, I was watching the mid century modern stair rails and a child will fall through. ..you need to find a way to find a way to change that to be safe at least until your kids grow up. All you need now is to grow your own food.

[@MrGdmjr]

Glad I found this. Great content

[@AStri-zg5xc]

Food for thought my friend....great video! Wished id met you 35 years ago!

[@gojereme]

haha...thanks!

[@anniedrosham7299]

Wow thank you!!!

[@elaineburruss7133]

Finally common sense savings that doesn’t mean taking on second or third jobs! What credit cards did you use?

[@mariahcarlos1979]

I follow Dave Ramsey's guidance as well. On baby step one. How do I pay to go back to school and also try to get out of debt at the same time.

[@mirapichai]

I’d love to hear about how you learned photography!

[@gojereme]

Hey Mira, just good old KZbin and practice by doing free shoots :)

[@DarlenePecker]

I fell in love with Oregon but don't think I could afford to live there. My goal now is to get rid of debt, spend less time working so I could visit Oregon more frequently instead.

[@marydidyouknow5826]

How do you leverage credit cards?

[@gojereme]

check out my favorite channels about how to do this - Brian Jung or asksebby.