7 Money HABITS Keeping YOU POOR (and in debt)

[@taraj6288]

Just paid off 110k student loan debt in just under 4 years! Now I need to celebrate!!! Might go crazy for a little

[@Erika2]

CONGRATULATIONS!!!! That's amazing Tara!!!

[@savache27]

That’s really awesome!! Congratulations!

[@soryisoumare]

That's great. Congratulations!

[@liachngo]

Dang! Congrats!!!!

[@arunpradhan6165]

How Tara?

[@scottcormier3621]

Money is a “necessity, but all more money does is, cause more money problems. I’m a disabled veteran who lives on a fixed income of $851.00 , and I live rather comfortable. You are so awesome Erika..!!

[@millsjenna8606]

Thanks for sharing awesome tips! I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It's great to start young too!

[@eiraantoinette6793]

Hi, I'm 45 working on my retirement fund too. What do you think is the best target for retirement?

[@gracedaniels6172]

a lot of people find having a couch /financial advisor a luxury

[@millsjenna8606]

@@eiraantoinette6793 personally I think 1m is the goal to overcome inflation and having them in an investment portfolio is a perfect plan. I'm half way to my goal 😊

[@millsjenna8606]

@@gracedaniels6172 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey

[@luciacoeto3222]

@@millsjenna8606 nice

[@bandrea860]

LEGAL yes more please! Thank You for my reality check!

[@robinbroadwater2147]

I am BINGE-WATCHING these videos. ALL of the information is important, and the presentation is common-sensical.

[@Kristy770]

This is hands-down my favorite video of yours. You really spell it out. Thank you so much for making this video! I love your channel.

[@hawaiifivejoe]

I love the "Power of Compound Interest" chart at 8:00. Such an eye opener!

[@livelife1899]

I also used my subway paycheck to pay for coach pursues at 19 years old. It’s so comforting to learn that we followed similar paths 💛 thanks for the video!

[@colincheek4581]

Legal! Thank you for the video Erika! I think keeping up with the joneses is the worst mistake because people think their peers look down on them for not having x,y,z thing when they really don’t. Instead of bettering yourself, you’re bettering people’s short term opinion of you. Another thing that helps for me when there are market downturns, I look at the percentage instead of the dollar amount since the percentage is probably going to be a much nicer number.

[@Erika2]

Yes!! Those are really good points!

[@TimeLessEntityT0]

Dollar value, does not matter, what matters are your percentage returns. Example, you have $1,000 and you buy a small percentage of Bitcoin at $60,000. You hold until the price rises to $75,000 and you sell. You just made a return of 25%

[@PhilipMourinhoMorris]

And still lifestyle inflation is the biggest enemy,at my opinion. Great content as always Erika!

[@TheWittyMermaid]

Yes thank you Erika. A video about legally avoiding taxes would be greatly appreciated!

[@kw9592]

I just found you and I love this. Thank you for being a great influence in the internet world.

[@Sky1]

I have several friends who are multi-millionaires. Some have multiple expensive cars and homes while others appear poor and are show worth of only what they have on them (everything else is sheltered). Your teaching us the things they never teach you in school. We all know why. I am trying to walk the line between living life (since it is not a trial run) and having a safe retirement income. Every time I feel I made progress, inflation movies my goal post further from me.

[@byronhatch9427]

Legal! I would love to learn about legally avoiding taxes! Thank you for all you do Erika!

[@elliecehester8766]

Cmon Legal! I must be really doing well in my financial journey b.c I’ve just found your channel this weekend and ba da ba ba ba.. Im loving it! Also tips for investing pls

[@kathyreese4052]

Legal! Yes to a video on the legal structure and legal tax loopholes would be awesome 😄

[@cocoberry8]

LEGAL!!! Also, I’m a friend of your sister’s and feeling so inspired by you ❤️❤️❤️ Keep it up!

[@Erika2]

Thank you so much!!!

[@digitalwitness9305]

Legal! Love your channel! So intellectual and helpful!

[@nicolelockhart6056]

Yes, definitely Legal. Can't wait to see the video 😁😁

[@kristinavartanyan3704]

You are so articulate. Because of you I have confidence investing. You have great tips. Please keep posting.

[@NinaThomas]

I’m SO glad that I found your channel! I like the idea of making sure I hit a certain savings percentage. This honestly just makes so much sense. Normally I’d just be super idealistic and end up saving much less than I had if I just planned to save 20%.

[@Erika2]

Exactly!! It just takes planning. Even starting at 5% and moving your way up is awesome!

[@howtoadultschool]

For sure, this is a great point! Starting small and manageable before moving up is great, and automating those savings percentages also really helps!

[@Merani-R-1]

I'm 18 and I've learned so much from this video thank you !!❤

[@maribelquiles-maribelsworl2600]

I love you. , and all your teachings

[@karenarnold9579]

LEGAL! I definitely need to know more about minimizing taxes!

[@travelgirlbigworld4837]

Thank you Erika! Discovered you today and loving your content so far.

[@samjak11]

In the last couple of days I have paid off 4 credit cards ($3,600), 1 personal loan ($2,500) and the IRS($1,200)! Feels so much better than holding the cash. I can attest to the 6 figure earners still living paycheck to paycheck, working on living within my means.

[@miasarah2395]

Legally reducing tax burden! I want to know. Thanks for all you do Erika!

[@slickspidey]

Welp, I’ve been holding off paying my student loan so I have money to “keep up” but this motivated me to pay it off. Thank you!

[@bernacubangbang8674]

Legal! Mahalo for all you do and help you provide!

[@Bilondogz]

Thank you for this video Erika. A Legal taxes video plz!!

[@edeleencotton6854]

I just started following you and noticing all your white shirts!! I'm really liking all your videos, so real and honest.

[@libra16101974]

Legal! Thank you Erika for the useful content in your videos 🙏🏼

[@dominiquevalenzuela7769]

Legal ! Thanks for these awesome videos, I just turned 24 and I’m glad I found you! I grew up poor and now I go to Juilliard and my mind has totally shifted in a way I’m sure yours has too! Thanks again, xoxo

[@howardcunniffe8738]

Hi Erika. I must say that I like your video. What you make is good sense. I come from a family that buys more of their wants and not their needs. I've learned in the past to save myself from falling in traps like that. Yes as you know I am a guitar player and I'm not like the typical guitar player that has to have a new guitar every time I turn around. I only have 2 guitars and don't feel I need anymore. But every time around tax season there is always a musician trying to get me to buy more gear. I tell them no . I feel when your on a budget, be thankful with what you have. Don't put yourself in debt to please someone else. Money Does Not Grow On Trees. That is a song I wrote and play it out regularly. Thank you for this video. I miss watching you.

[@mizzelleve]

Hey Erika! Can you please do a video specifically on investing on SoFi? Ty

[@strawberryshortcake6704]

Could you please do a video about how to off set tax legally?

[@Judy-vq9wv]

Hi Erika. You are an inspiration and I love all your videos. Yes please on a video specifically on investing on SoFi. Sending a Thank you coming from Sacramento, California

[@briggslcp]

This is really good stuff, Erika. I wish I had known these things when I was your age. Especially the investment piece. I'm in my 50s and still have to convince myself that I'm "grown up enough" to invest.

[@Erika2]

Thank you Laura!!

[@heyandy3]

Laura it's never too late to start investing. . .

[@maknyc1539]

@@heyandy3 true!

[@SportsLiveInTheAtl]

Awesome video Erika. I was in 9k credit debt about 2 years ago. My credit score was 540. Now I have no debt my credit score is 720. I have savings actually two savings account. I have a retirement within my company since 2007 plus my company has stock ownership within for us who work there. We actually own part of the company. I have about 60k in stock. Over 60k in retirement. I know I meed more to accomplish. However I have come along way. And in the best place i have ever been in. Being debt free feels amazing

[@peterluisvenero]

LEGAL! Wow just found your channel. Loving all of your content, and your authentic approach to helping others. Thank you!

[@amidanioko4422]

LEGAL, please start the video, Erika. I am learning so much from you.

[@hempzilla_love1306]

legal!! And thanks for offering to share those tips!!

[@carmenrosario5539]

Thank you ! Sharing with all my children!!! Yes, more on taxes, please!

[@BA-sw5dn]

There is so much truth and honesty in this. its awesome

[@LadyLowe321]

Thank you for this extraordinary resource full of compassion, tough love and straight facts! cheers

[@kyrencoutain104]

Thank you for giving good content!

[@zaramonet3039]

Thank you for all the tips. This channel is really helping me organize my finances and my life.

[@Erika2]

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[@witchersteve1918]

Legal

[@barackthecomposer6642]

Great video Ma’am. Is there a discount CODE for your 94 lesson KZbin course? Is there a sample video that gives prospects an idea of what the course contact will look like and sound like?

[@barackthecomposer6642]

In the KZbin course with 94 lessons, will there be any opportunity to ask questions and get feedback, for hard-working students who watch all the videos and do all the homework. One would hate to make that significant financial sacrifice and feel all alone with a lot of new information. Thank you.

[@keesha607]

My student loan debt seems unbearable and they don’t try to work with you on a monthly payment you can afford. Definitely need to work on a plan

[@Sky1]

I need financial and estate advice for us handling an elderly parent

[@jen_lil_aloha2245]

Super helpful video- thank you for the great tips. Love paying you first rule. LEGAL for tax tips please!!

[@cybase1020]

Thanks for the financial wisdom nuggets. LEGAL!

[@timsannicolas7562]

Agreed Erika. Skills that pay oneself first then the government. Awesome.

[@traphamthu1649]

LEGAL thank you so much for the amazing content. Have been binge-watching your videos for this whole morning

[@edeleencotton6854]

I'm 40 years old and barely learning all these things. It's so sad to think of all the time I've wasted and money I've blown.

[@slprn67]

I love your channel. Been sharing them with my family.

[@Arelius101]

Thanks for creating great videos! You share great advice and I enjoy watching them!

[@Erika2]

Thank you so much Marcus!

[@brokenhack99]

Great video! Keep em coming Will love to see the legal tax video

[@animelife5331]

Legal, Legal and Legal!!!!!

[@VSGLife]

Thank u so much for bringing continuous value!!💪🏽

[@mayrac9896]

Legal ways to avoid tax please!

[@Baker.Matthew]

Love the rich dad, poor dad ideology!

[@emrd8753]

Wholesome information, THANK YOU Erika 😊

[@nandep2149]

Also... thank you for the great resources and links!

[@Losfirstduty]

Yes, yes, yes...so on point with this topic. I've been guilty of some of these habits. Great job on the video visuals, love the background views too! Thank you for bringing this topic to us Erika. So important to be reminded of financial "no's", thanks for watching out for us. Have a great day!

[@Godschild718]

Thank you Erika

[@jonathaninsall]

Way to go, Erika!

[@CoffeewithChu]

I watch your videos everyday when I’m curling my hair! You are so inspiring!!

[@carlos.deutschland6529]

Erika, danke for your advices. It is very interesting to see your videos. I was in TD bank und asked about accounts with compound interest. I was told they don't exist anymore. But in these 2022 I will be study all your videos, including those legal strategies about taxation and learn as much as possible. Glueckliches Neues Jahr !!!

[@PjaySolomon]

Legal!!!! Is the video out or in the process of being made? Lol I just came across your channel today and I've already watched at least 15videos, I love your content. You're definitely helping people instead of the "no face big companies" as your other videos stated💯

[@Erika2]

You’re amazing! I haven’t put this video out yet but I’m working on it

[@user-kr4ow1go8m]

Heal yourself! Overspending, is a sign that something is wrong.

[@anthonysimon1180]

*Legal* and thanks again for sharing

[@PierceJPeterson]

Great advice, Erika! Loved all of the b roll in this video

[@gloriarodriguez583]

Awesome information Erika. Thank you. Legal

[@kellykx8120]

yes! will you make a video about legally avoiding taxes :) just found your videos & love them

[@kellykx8120]

haha also I want to learn about crypto roth iras/(non roth IRAs - cause I struck lucky with dogecoin/amc so far and will exceed the limit this year for a ROTH--- so i'm thinking to do a backdoor roth, still figuring htat out). Either way, thanks for what you do!! I've been watching Graham Stephan/Meet Kevin/Andrei, etc for a while now... excited to find you! Some ladies in the building :)

[@nompumelelonkosi9023]

Wow!! 😱 Seeking validation 😨 Never thought of that. Great video

[@EthanClansky]

Legal, yes! Loving the videos Erika keep it up

[@dliss2426]

Legal! Thank you for your content! Very valuable information.

[@RakshithaMurangaRodrigo]

Thank you Erika. Hope to find your video on how to deduct tax legally.

[@nancygielow5125]

I appreciate your videos

[@heyandy3]

Erika, another great video. Like how open and honest you are. . . Love the funny ending "Hitting the LIKE button would be super appreciated for the KZbin algorithm" 🤣... Made me chuckle.

[@heyandy3]

What kind of camera and microphone are you using? . . . Also, who does your illustrations that pop-up on the screen?

[@thespacesbetweenstudio3346]

I only buy used cars and keep them in good shape by myself for years. New cars are the worst money decisions. I put little bits of money into investment accounts. People scoff saying the amounts are so small but not realize they all add up over time if you just keep doing it.

[@gaby2875]

Love your content!

[@imaxinebrown694]

Thanks for sharing

[@bcwu3628]

I can soooo relate to having expensive purses. I used to carry a $150 purses in high school when I was working part-time making only $8/hr. I’m so done with all that! Love your contents!!! Keep it up.

[@GabyRodriguez-zv4hx]

thanks so much! your honesty is greatly appreciated!!! *Legal

[@aristideregal]

Great video. I missed you!

[@Erika2]

I'm back :) :)

[@seanyhangsta]

Big fan! Thanks for your tips.

[@alzmanfield3659]

Thankyou for sharing, I'm on a six figure income and living pay check to paycheck.. time to make smart money choices..

[@Erika2]

You've got this!

[@feistyeverly8718]

This deserves a million views 👍🏻

[@nandep2149]

I adore you! (Trying to say that in a way that's not weird is harder than we think - haha!) I've never wanted to follow trends, the Joneses, etc...and yes, society can be harsh. But, we mustn't compare ourselves to others. FOCUS on our own well-being, goals and joys (and for our family). Thank you for saying that...it'd be great for more people to think positively. 😀 Aloha! 🌺

[@TheLawnSensei]

Legal - Thanks for the video!

[@ftjordan3351]

LEGAL, just found this channel today, but had a huge tax bill this year!

[@chrisn9638]

Awesome post! thanks for the info!

[@Erika2]

My pleasure!

[@thestar5375]

Thabk you,, this video is incredibly informative and I would appreciate a video on how to legally avoid taxes. Welcome back!

[@TalesFromTheTimeCapsule]

My problem has always been setting too many financial goals at once and when I split it I only save minimal on each saving goal :/ How many goals should we set at a time? Wedding, house, travel vacations, hard to do all at once but I also don’t want to delay travel vacations as I save.

[@charlesjohnson7458]

Once again - awesome message!

[@sherm-hotaflexlive2884]

Thank you Erica

[@timwindsor03]

Awesome video ERIKA. Thanks for sharing. Very helpful info. Keep the content coming. Hope you have an incredible weekend. Much love

[@timwindsor03]

@@satoshistacker2245 Is that you phone number?

[@Jeivestor]

please make videos about different ways to make passive income

[@sadime7902]

LEGAL LEGAL LEGAL! Also, please mention the boundaries of the benefits (e.g. IRS - so USA-limited).

[@KobiPresents1]

Wow! Love this video, thanks for sharing. 👌🏽

[@jermaineboyd6594]

Awesome,video tips erika! Think you,espacilly keeping up with the joneses.

[@MikeTeodoro]

I love you erika . thankyou for this