Personal finance: How to save, spend, and think rationally about money | Big Think

[@bigthink]

What was your favorite personal finance tip from the video?

[@Nick.S.]

I really liked Bruce's tips on teaching kids to deal with money. I never had an allowance, but he opened my eyes to the advantages of letting children learn by making their own financial mistakes. Surely this sets them up for a healthier relationship with finances than their peers.

[@michaelcoxjr]

Agree with the silliness of the term “starter house.” It sets you up from the start that you need to look for something bigger and better later on when you actually don’t.

[@TheMoneyResolution]

Understanding "how much is enough". Forces you to think about what matters most and your "why". Great video!

[@rossandrewlaurente445]

All words from Daniel Kahneman

[@mrbrightside1633]

Invest in assets that will in turn become another income.

[@USVIsteve]

Having money doesn’t necessarily make you happy but not having money will make you miserable

[@Paul-eb2cl]

Money can't buy you friends, but it can buy you a better class of enemy.

[@xjarheadjohnson]

For most people, who will never see a 6-figure income, financial freedom should be viewed as a level of freedom FROM money Living financially frugal, by choice is liberating, being forced to be frugal is miserable.

[@Bismarck666]

I've been poor since birth, I definitely felt the miserable part. I worked and changed jobs and now I can comfortably work from home for a corporation. Definitely not rich but I can afford healthier food, vacations, even a car! I still have bad habits like trying to get as much cheap stuff instead of looking for quality but I'm working on it. Money is definitely needed to live but it shouldn't become a purpose.

[@alextorresmusic]

@@Bismarck666 felt very identified with your comment! Thanks a lot! And keep up the great work!

[@chocolatestarfish9944]

Fax

[@margaritasbunny]

As an elder millennial, one of the few advantages is having lived through the Great Recession. My advice. Reduce unnecessary expenses, increase your savings by investing in financial markets and do not sell. One thing I know for sure is that diversifying your income can help insulate you from much of the craziness going on in the world.

[@leonarodwell]

True..... I'm thinking of investing in stocks or digital assets to grow my money for the first time, but I lack the in-depth knowledge and mental toughness to deal with these recurring market conditions. please any advice or pointer on how to outperform the market producing good returns

[@micheallancelot]

@@leonarodwell You're absolutely right! It just takes a good mindset and nerves of steel. I was deeply invested in 2017/2018 in a well-diversified portfolio of stocks and digital assets that grew 4x with capitalization, venturing is not necessarily just about funds but also to be well informed. It's a long term plan for me so I invest and reinvest

[@jetkastrokdova]

@@micheallancelot Exactly why i enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/ analvsis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over 400k

[@lindholmlille]

@@jetkastrokdova You are right! I diversified my $500K portfolio across various market with the guidance of an investment coach, I have been able to generate a little bit above $1m in net profit across high dividend yield stocks, ETF and equity during this red season in the market But the truth is that you cannot do that without a tested trading strategy

[@MarkMilley810]

@@lindholmlille

[@MaryRalladi]

Freeing your mind from consumerism is so important. We're literally trained from young to always want more, to never be satisfied to compare ourselves to our neighbors and what they have. I was always a natural saver, but struggled a bit in not comparing myself to others. It's still something I work on, but over time have gotten better. It definitely helped that I realized the image others put forward, the majority of the time is financed by debt! That's not something I'm interested in at all. I hope more people learn this concept and actively practice it. I'll definitely talk about it on my channel as well.

[@treeface420]

Wow, story of my life, and it's still haunting me now. I'm really scared and I just hope things get easier soon 😞 🙏🏻

[@gerryxanthopoulou1279]

Best advice my mate gave me when I was tempted to buy some thing was to stop and think,do I NEED this or do I WANT it,huge difference,most times I just wanted the item,I had no need for if in my life,helped me save spending on unnessecary items.

[@UnrealisticExpectations]

Same here, as soon as I settled into myself and realized that ‘you’re already enough as you are.”, my outlook changed drastically. Definitely impacts your money habits as well.

[@danikarenee6463]

Right! In my experience it takes a LOT longer to live the life you want without using debt because you have to go through the process of unlearning the things we were taught about money and gaining a healthier relationship with it. Otherwise there’s this anxiety and need to keep up with the joneses because underneath it all is the emptiness gained from being taught that we always need more, there’s never enough. Great work Mary!

[@chriscad1025]

Debt is a great driver if your lazy

[@Talkinglife]

1. Pay yourself first · 2. Save for emergencies · 3. Spend less, save more · 4. Lose a habit, gain some savings

[@justmyopinion9883]

Talking life, Thank you. These rules are the best to know and follow.

[@a1phabet162]

I been saving money for. A year now and am about to buy some assets this year

[@somrajdutta8366]

Or just become more valuable

[@thegreat9481]

No investment huh? Great advice

[@whitefang238]

oh wow. that's genius advice. I mean, all those people born in poverty, they r just not in the right mindset to save money and make more money. if only they learned this genius, magic formula, they'd be ok in just 4 steps.

[@iainbrewin]

I was near dirt broke 2.5 years ago... but decided to change a few things with how I approach money. Now I have enough saved (invested) to get me through 12-18 months if I had to without changing my lifestyle. It was tough. But the only downside was I took a job that has been really mentally taxing. But man its nice to not have those money worries any more... My best advice is to reduce the monthly fixed costs. ie bills, rent etc... spend as little as possible on BS things like clothes etc, stop eating out - cook 95% of your meals (but still treat yourself sometimes), and track everything on a spreadsheet.

[@oneiljerry9460]

Thank you. Just what I needed to watch. My hubby and I are directors of our farm business and own property, plus small pensions. I am nearly 52, hubby is 55. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.

[@alexyoung3126]

consider financial planning

[@joesphcu8975]

It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.

[@lawerencemiller9720]

I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the invt-advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.

[@kimyoung8414]

@@lawerencemiller9720 mind sharing info on the adviser who assisted you? been saving for pension since age 18 - company scheme. along the way I hit higher tax, so I added to my company pension with a SIPP (tax benefits) I'm 46 now and would love to grow my finance more aggressively, there are a few cars I still wish to drive, a few mega holidays, etc.

[@lawerencemiller9720]

The advisor that guides me is Natalie Marie Tuttle, most likely the internet is where to find her basic info, just search her name. She's established.

[@liambennett12]

the book that changed my approach to money is The Fortune Architect: Design Your Path to Wealth all recommendations. It's completely different from anything I've read so far.

[@QuestionEverythingButWHY]

“Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like.” ― Will Rogers

[@TheCredibleHulk]

For me that quote will forever be associated with Tyler Durden.

[@TheCredibleHulk]

@C.S.R. B. tbh, no one really knows where that quote came from. Different versions of it can be traced back all the way to early 20th century. So it doesn't matter. Good quote is a good quote. I just prefer Tyler Durden's version of it.

[@marlontabao8438]

this pandemic teach me a lesson. yeah your absolutely true.

[@jesraygarciano8616]

you mean - Tyler Durden?

[@edwardkarugajr3111]

I always find your comments in almost all videos I watch . But I'm not complaining

[@lawerencemiller9720]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too,

[@alexyoung3126]

investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@jessicamoore3093]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@jessicamoore3093]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@CardiniPanini]

These AI generated ass replies bro 😂

[@AvatarAang100]

​@@CardiniPaniniwhy are they everywhere on financial related comment section ?

[@PatrickLloyd-]

So much knowledge! Absolutely free! I was never taught anything about money, I am praying and working to change that. I am 46 no retirement no savings because I made a lot of mistakes when I started investing, trying to correct that now. Already have a few thousand$ saved up to invest for long term. I would like to know what advice you could give to start my investing journey. Listening to you gives me inspiration and wisdom. Thank you so much!

[@Dannyholt33]

Just buy low sell high. Stick with a good company by either not selling when it’s going lower and/or buying more at that time. Almost always the good well managed companies will come back strong at some point. The other is to get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@hankmarks69]

Well, I recommend you make a diversification plan because it's been harder to build a good financial portfolio since COVID. My colleague suggested I hire an advisor. I did and I've actually made over $926K with my advisor's help during this market crash. She uses defensive strategies to protect my portfolio and make profits despite the ups and downs.

[@Nernst96]

@@hankmarks69 Really? I’ve actually been looking to switch to an advisor for a while now. Just never made up my mind. Any help pointing me to who your advisor is?

[@hankmarks69]

Sure. There are a lot of independent advisors you might look into. But I only work with “Vivian Carol Gioia” and we have been working together for nearly four years. She has since provided entry and exit points on the securities I concentrate on. She's well-grounded and known, shouldn't be a hassle finding her page.

[@Nernst96]

@@hankmarks69 Thanks a lot for sharing man, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@benjamindavidson22]

It’s amazing really. We have a financial crisis, caused by greedy, reckless financial institutions. Congress passes legislation requiring those institutions to be less greedy and reckless. The institutions then lobby to have those restrictions removed, usually in the name of “remaining competitive”. This leads to another financial crisis. It’s completely predictable, and we have been doing this dance since the Great Depression almost 100 years ago.

[@frankbarnes22]

Agree; the rules should be applicable to all banks - big or small. First; very few meaningful laws are passed and then this cycle of doing-undoing seems to support deregulation risking the economy and the faith in banks.

[@Johnlarry12]

I believe using an investing advisor isn’t a terrific idea. In the midst of the 2008 financial crisis, I was literally experiencing horrible dreams before I spoke with an advisor. In conclusion, I was able to increase my initial investment from $320k to almost $2.5 million in 2011 with the aid of my advisor, and I later bought my first investment property.

[@emiliabucks33]

I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@Johnlarry12]

Finding financial advisors like Carol Vivian Constable who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@emiliabucks33]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@brigitpimm8488]

The most important thing is where you live. This is where we have a problem because most places that people have to live are not that nice and so we are constantly fighting to get somewhere better.

[@JohnnyFD]

It works. I've done it and went from debt to where I am today. Start with savings, paying off debt, then work for happiness. it works.

[@TheCredibleHulk]

"Advertising has us chasing cars and clothes, working jobs we hate so we can buy shit we don't need" ― Tyler Durden

[@jaelsonnen5750]

Murica!

[@fivedee5D]

Absolutely!

[@joycewatt800]

Minus the exploitive I agree because it is true.

[@arthursalas8010]

To impress people we don’t like

[@marryjane1684]

Yep thinking it’s going to make us happier

[@margaretmarshall3645]

What hit me (in November 2020) was the Plaid Shirt Guy talking about how happiness comes mainly from doing things with others, so spending money on shared experiences adds to your happiness more than buying things to enjoy alone. No wonder 2020 has been such a tough year, when the activities he mentions are mostly off the table due to Covid-19! He does also mention that giving to charity or to other people brings happiness too-and there is plenty of scope for that this year.

[@newagain9964]

Bruh. It took you YT video to figure out what many of us have known for hundreds of thousands of years. 😂🤣😂

[@odieanna]

I will always be grateful to my parents for teaching me about money when I was younger. My sister and I used to have a 20$ allowance for the two-weeks long vacations my parents had during summer. With that money we could buy whatever we wanted! But no more, no less than that! On that first year, within one week, my sister and I spent our whole 20$ on candies and cheap toys. But then there was something we REALLY wanted, but didn't have the money for it. We cried to our parents to have it but they just told us that it was part of the deal: 20$ no more, no less, and just too bad if we spent it all. The year after, we got 20$ again to spend however we wanted... During those two weeks, my sister and I spent NOTHING! We suddenly understood that money would be necessary if we wanted to buy things we really needed so we kept it just in case that would happen! Because of this exercice from my parents, we learned the importance of having money for things we wanted, saving money we didn't use and knowing to spend on what was really important to us!

[@gordonsands]

Absolute geniuses

[@sethr.c1065]

Excellent parenting. My parents’ strategy was to only give money for work and let my grandma give us a dollar/year old every birthday. We grew up moderately poor between 2007 and 2012. The way we stayed afloat was my parents’ hard work and financial skill

[@indridcold8433]

@@sethr.c1065 My father told me to invest in gold and platinum. Keep it in a remote safe that only I know where it is and only I know how to open it. I probably have near $4,000,000, in metals. I am not ready to cash any of it in yet. As a side question: Where do you reside that puts the currency sign after the amount?

[@fw--kx6sk]

@@indridcold8433 In Germany we do it this way, but I obviously don't know where op is from

[@indridcold8433]

@@fw--kx6sk In Quebec, it is done that way there also, though not correct. The rest of Canada makes fun of them. I think in the United States of America, the cent symbol is in the back of the amount and the dollar symbol is in the front. In the rest of Canada, we just mainly use the dollar symbol in the front. For cents, we still put the dollar sign in the front but it is starts with a zero, except Quebec.

[@mitchelljack1590]

The hardest thing about money is that...you have to plan majorly for the future... but also enjoy the present... "The future doesn't matter if you never live in the present"

[@MaryPatricia-wr3wj]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking the bold steps we need in other to reach our goals.

[@RichardWilliam-i4z]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@MaryPatricia-wr3wj]

@@RichardWilliam-i4z This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant by name MARTHA ALONSO HARA and everything changed. I started enjoying huge returns from my investment.

[@RichardWilliam-i4z]

@@MaryPatricia-wr3wj Oh, that sounds good but how do I reach out to MARTHA ALONSO HARA

[@MaryPatricia-wr3wj]

@@RichardWilliam-i4z quickly do a web check where you can connect with her, and do your research with her full name mentioned

[@RichardWilliam-i4z]

@@MaryPatricia-wr3wj Okay, thank you. I just found her website very impressive and dropped a message for her.,. I hope she replies to me

[@HandbrakeBiscuit]

I haven't watched the video yet, but may I express my appreciation for the thumbnail image - a man's brain falling out as he bends down to pick up money from the ground. Kudos to whoever thought of that!!

[@swine13]

So.... .. DEEEEEEEEEEEEEEP

[@Rochelletrem]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market

[@berkrix4312]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.

[@theresahv]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@georgebarret]

@@theresahv Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with this person

[@theresahv]

Finding financial advisors like Julie Anne Hoover who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@georgebarret]

@@theresahv Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@Juka161]

"Money's greatest intrinsic value - and this can't be overstated - is its ability to give you control over your time." - Morgan Housel

[@sandrasuarez9530]

I recently read the psychology of money. I was surprised how simple ideas there would be powerful insights to change my money mindset. Highly recommended this book.

[@Bloquita5]

@@sandrasuarez9530Chose that book for bookclub. Really good book. His podcast is terrific also. Short 10 minutes episodes with great insight.

[@BobSure_AKA_PotatoSmasher]

This is arguably one of the BEST pieces of content on KZbin.

[@Germanic-Wellness]

I think what brings more happiness is to work for a purpose that makes us feel bigger than our need for survival. A sense of belonging to something greater than ourselves instead of working for money.

[@leopardchicken]

This.

[@innercircletradertevision]

This

[@muhindipersly3722]

Much appreciation for this informative video on how to save, spend, and think rationally about money . I had a very distorted model around money. Thankfully it’s become relaxed and easier now

[@adhynugroho9424]

If you're starting out on a personal finance journey, I'd definitely recommend reading two books: 1. The Richest Man in Babylon - teaches you very simple concepts that you can apply. 2. Your Money Or Your Life (written by Vicki Robin (the lady in the video)) - Gives you a different perspective of what the "cost" of work and the things you buy amount to. A bit technical, but eye-opening.

[@isabt4]

Thank you 😊

[@SaiKiran1340]

Thanks

[@DanRayBeats]

How about Rich Dad - Poor Dad?

[@adhynugroho9424]

@@DanRayBeats I honestly haven't read it yet. But most of the creators on YT that talk about PF generally give it good reviews.

[@billweir1745]

@@adhynugroho9424 I just finished reading it recently. While it does have some nice takeaways (that can mostly be found in other books) it seems to be really heavy handed in blaming poor people for being poor, and corporations that take advantage of poor people aren't really taking advantage of them; they are just teaching them a life lesson. If you are poor and are mistreated at work it's your fault for not getting out, when getting out sometimes isn't an option. I agree with some of it, but some people have very little room for applying it.

[@stevensmiddlemass2072]

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.

[@Curbalnk]

@colleen.odegaard That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the Adviser you're using.

[@Curbalnk]

@colleen.odegaard Thanks for the info, i found her website and sent a message hopefully she replies soon.

[@Redhotshawntexas]

Weird flex but ok

[@Imransmart123]

Money is important here life today digital money trading is best

[@TheJackCain-84]

Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.

[@Jamessmith-12]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@JacquelinePerrira]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

[@Ashley186fre2]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@JacquelinePerrira]

When ‘Carol Vivian Constable’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@Ashley186fre2]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@samotivationbysami]

After I graduated, I realized school taught me nothing about money. Then I found the book ‘the Richest Man in Babylon’ and learned everything about money that I was not taught. Also started watching videos like this. Lots to learn!

[@00bikeboy]

One thing that's helped me control my spending is, before I buy something I think "do I need this, or do I just want this?" Spending a few moments thinking that through and you realize you don't need most things that you think you do. You can get by without them.

[@AbelleveMe]

Yup, bc buying is so easy but committing to actually using the things let alone continuously is the hard part huh

[@erickjuma7643]

People have been programmed in such a way that their happiness is connected to spending. Through Advertising when they show you pictures of 'happy people' eating junk food, using iphones, headphones, wireless earphones, drinking sodas, wearing newshoes (Nikes, adidas and the pumas). You have to unplug

[@NegativeAccelerate]

Agreed. I am actually considering living in a monastery without internet for a year to learn how to be happy without the “excitement happiness”

[@sushantsapre28]

I was 10 and this was the late 90s, so GIJoe action figures were still a thing in India. I asked my father to purchase me one if I was able to score high grades in my exams. He told me that he will buy me one after the fact anyway but I should always remember to do something because I want to do it, not because there is an incentive at the end of it. When that incentive is removed you will not do things because nothing else is there that motivates you. Never thought that lesson would be so helpful in the longer run. FYI: I never got paid an allowance for household chores.

[@itsjuststeve9655]

If one neighbor buys a BMW and the other buys a Benz, their neighbor will suddenly see all that's wrong with their trusty Honda. The comparison trap is REAL.

[@MaryRalladi]

This! Comparison is the thief of joy. But it's easier said than done to not unconsciously think about what you're lacking compared to your peers. But that's why it's so important to realize that majority of the time, people are financing their fancy image through debt. Once more people realize that fact, maybe they wouldn't be so envious anymore..

[@lisamuchi8764]

You're absolutely right!!! Though nowadays I think it depends in the neighborhood; maybe of it's a wealthy one but also your mindset. Why should care about what car your neighbor drives; would you rather be debt FREE or drive A fancy car that already depreciates from the moment you drive off the lot!! I think with the FIRE movement becoming popular; folks are waking UP & realizing it ain't worth spending what you ain't got!!! & Having a hefty emergency fund is pretty cool. I think the Pandemic is waking people; you gotta plan for the unexpected emergencies!!! The people thriving in 2020 even with Job loss are those that saved alot of money ahead of time💯💯!!!

[@miken4591]

The interesting fact is that the Honda is probably more reliable that the expensive BMW!

[@kenshin198406]

@@miken4591 Truer words were never spoken. The Honda neighbour should pity the BMW one.

[@clockwork9825]

Everyone doesn’t have this issue! Some people don’t care lol

[@CarlosRodriguez-hb3vq]

I’ve taught personal finance for my church. The key, in my mind, is being honest with yourself. People are afraid to face the truth and money/stuff offers them an illusion of happiness. It can be scary to let go of that illusion and face the truth.

[@betterXdesign]

Your messages are not just uplifting; they're life-changing. Thank you for making a positive impact! 🌈

[@bst1984]

Debt is becoming easier and easier to get into.. Consumerism and getting into debt simply are the easy option for the "I want it now" generation.. great video, thanks for sharing.

[@KalebWhite816]

My spouse and I are adding a variety of stocks/ETF to my present holdings for the long term, We've set aside $250k to start following inflation-indexed bonds and stocks of companies with solid cash flows, I believe it is a good time to capitalize on the market for long-term gains, but it wouldn't hurt to know means of actualizing short term profit.

[@CraigMitchell376]

It's a delicate season now, so you can do little or nothing on your own. Hence I will suggest you get yourself a professional that can provide you with entry and exit points on the securities you focus on.

[@cyrilbalistreri4348]

Very true, Shortly after my port-folio took a big hit in April, I was forced to employ the services of an Investment-analyst that has not only accrued a profit of $180k for me since then but has also taught me how.

[@frankcurrie6277]

@@cyrilbalistreri4348 Please can you leave the info of your investment advisor here? I’m in dire need for one.

[@cyrilbalistreri4348]

The investment-advisor guiding me is Diana Luise Hines, she is popular and has quite a following, so it shouldn't be a hassle to find her, just search her

[@kauansilva5653]

@@cyrilbalistreri4348 Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@00BChill]

4 layers of financial independence Layer 1: Free your mind Sovereign Being Layer 2: Debt Free Layer 3: 6 months emergency fund Layer 4: Invest your surplus savings Layer 5: Understanding expenses

[@esther.74]

I'd be retiring or working less in 5 years, and I'm curious how others split their pay, how much goes into savings, shopping, or investing; I earn roughly $250K per year but have nothing to show for it.

[@Adukwulukman859]

You can invest some of your earnings in stocks with market-beating returns and shares that at the very least keep up with the market over the long term. I urge that you seek the advice of a broker or financial counselor for a successful long-term investment.

[@talented009]

Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

[@DarleneMurphy774]

@@talented009 wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

[@talented009]

You can do your research and be on the lookout for one with intelligent strategies who'll help your portfolio maintain an unwavering and a progressive growth. Elise Marie Terry is my FA. She has the Flexibility & Expertise to Meet Your Needs. Verify her yourself

[@ThomasHeintz]

@@talented009 Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@crashbuilds]

I read 'Your Money Or Your Life' and it completely blew my mind, changed the way I think about money forever. I went from scraping by as a salaried worker with no savings or concept of passive income, to seeing the things I could create as capital that can make life better instead of trading time for money. Essential read.

[@gamal01]

Will check it out. Thanks for the recommendation

[@andrew.alonzo]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[@james.atkins88]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@hunter-bourke21]

in my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

[@Kim.beneteau]

@@hunter-bourke21 I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

[@hunter-bourke21]

My advisor is "Mary Onita Wier, A renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Kim.beneteau]

@@hunter-bourke21 Thank you for this tip , I must say, Mary Onita Wier, appears to be quite knowledgeable. After coming across her online page, I thoroughly went through her resume, educational background, and qualifications, and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.

[@instinctively_awesome8283]

Now with the recent economy, To get financial FREEDOM you have to be Making Money while you're asleep

[@Robertgriffinne]

Some traders aim to foresee market moves when they enter the market, which is near impossible

[@PhilipMurray251]

@@marianparker7502 That is wonderful. how can one get in touch with this advisor you speak about?

[@marianparker7502]

@@PhilipMurray251 Look her up, You will find more details about her on the web.

[@joycegathoni3643]

Admiring that African touch necklace...Ankara deco ..soo lovely on you mom

[@rayhanmorales1364]

I liked the Emergency Fund tip. Something we often overlook, but the need for it becomes much more obvious once you have a family

[@Curiosityaholic]

A 17 minute video clarified how I should act with money better than any high school class I’ve taken

[@Salex684]

I always say about stuff that it’s not just about the money I’m spending but also the visual clutter and space they take up. Because of this, before I buy something I ask myself “should I invite this thing into my house?” It stops a lot of unnecessary purchases in their tracks.

[@ChristopherAbelman]

The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?

[@FinnBraylon]

This is still a window-shopping market. But there are a lot of intriguing stocks to watch from a variety of sectors. You don’t have to act on every forecast, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@HildaBennet]

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

[@JosephineKenney]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@HildaBennet]

Sharon Lee Peoples is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@JosephineKenney]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@Jeramithehuman]

Use cash. It activates the pain sensors in your brain. You’re giving a tangible thing away instead of a card

[@nightterror007]

I tend to spend cash faster than my card. Not knowing what is on the other end of the card swipe causes me pain lol

[@ryrez4478]

dave ramsey!

[@EazyE11]

Have discipline and use a good cash back credit card.

[@squin9954]

I’ve always said that it’s nice to hear someone else say it swiping a card is too ez and I’m talking about debit

[@RussellD11]

How is CASH tangible? What backs it? Its Paper, its just as tangible as #'s on a credit card.. The only things tangible are assets

[@ktsterlin9304]

We need to be teaching personal finance in schools and the idea that “enough is enough” needs to spread like wildfire.

[@mrhollister8520]

Better yet, it would be best if it was taught at home by the parents.

[@decibel333]

@@mrhollister8520 It would be best if every parent was well informed on this topic AND taught their kids... but since #1 is iffy...

[@KaniaaseelanHarishSivaseelan]

but this doesn't complement consumerism does it, governments and businesses want people to "want" things, new phone, new car, new bag. When people stop spending the economy collapses and its suddenly everyone's problem... we have to get rid of this system first...

[@adhynugroho9424]

It's good in theory. But teaching and engraining fiscal responsibility in school, while most facets of social media flaunt wealth/materialistic items, creates a tough challenge. But still, teaching it is much better than not teaching it.

[@ronansuperfrog8425]

Kaniaaseelan Siva Seelan abolish consumerism 👍

[@RosanoCallao]

it's amazing how the education system doesn't talk about these topics.

[@julius_the_python]

Right? If high schools taught this America would be in a a far better place

[@Chris.112]

It's designed like that. People that spend too much on junk are forced to work more and therefore pay more taxes. Keeps the economy ticking over

[@AliBooondok]

It’s intentional. Most people are lazy and don’t seek out their own truths. They rather just accept what authorities say. The more of that then the more power available. It’s a battle between smart and rich people only. Dumb and poor people are just insignificant pawns in the system.

[@Alejandra-pc6pq]

The system needs the consumerism!

[@kickyadick]

It’s on purpose. You can’t have everyone know these and still expect them to work like a mule 8-5 all their lives. Funny how they taught us to value hardwork, see?

[@Marianne_C_O_Art]

I've learnt over the years that we can have plans for any savings we may accrue but life will tell us what it HAS to be spent on. This removed a lot of financial angst for me.

[@legacybuilding360]

"I am sovereign, the economy is secondary... I will move myself into the economy for my own purposes" 🤯🤯

[@JoslynShakur-e3p]

Nowadays I am afraid for my earned money because of what I cant remember.There was a memorywar over my money. But the bottom line is I need and want my earned money.

[@sreekarpradyumna]

No credit cards, no loans. That's been my rule ever since I cleared off my debt. I've never been happier.

[@mrwarhammer6022]

7:45 - 8:32 . That hit different ❤

[@txxrxxx1221]

Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. - Proverbs 13:11

[@mipassionanime]

Jesus is God

so true. My parents got lucky and started a business that made 8 grand a month for 30 years! Total networth today is -350k. Yes, its -350,000 in the red. Because they didnt work to six figures. They made money and spent it

[@ajp642]

Word!

[@geradosolusyon511]

Unless the person who got the wealth hastily is smart with their money, it will only grow overall.

[@Harshit-bankerLLB]

@@geradosolusyon511 yes, dear.... Risk free investing gives moderate growth.... 5% high risk 🙄 could be masterstroke

[@squireob]

10:19 Baffles me. Playing a game is an experience. It can be a social one. It can be satisfying. It isn't an especially extroverted experience, but that's part of the charm.

[@Showmetheevidence-]

Avoid debt as much as you can… if you do need loans, _use_ them wisely (as leverage not just for things) & then pay it back asap! That’s my own top tip for any level of income. The comment about people saving whilst being in debt at the same time is always something that’s been odd to me.

[@mooripo]

This is by far one of the best videos that do actually educate about money ! Sharing wildly

[@KayFlowidity]

1:35👌👌👌 2:15 Financial Freedom 3:30 Debt 4:55 Savings 6:00 Compound 8:50 Spending 10:00 Experiences vs Stuff 11:45 12:35 🔥🔥🔥 13:00 Stuff 13:15 New Road Map

[@ilartista4202]

Thanks, I am adding few things to your work hope you won't mind. 1. Free your mind 2. Get out of debt as soon as possible 3. 6 month of emergency money 4. Super savings habit and put that into investment.

[@kalyanimookherji8834]

Excellent points - especially that of financial education of children !

[@ayyjayy2583]

i love thesseeeeee

[@williamsdavis.]

Life is weird, beautiful experience when you step back and look at it. Grateful to be here with you all, working with a financial advisor could truly set you up in life. I’m delighted to contact a financial advisor earlier this year because while others were busy whining about the downturn I was busy cashing out from my investment, finally making over $370k for the first quarter of the year.

[@Barbara0015]

That's great, this is one of the best advice ever, your investment advisor must be really good, I have seen testimonies of people using the help of investment advisors in making them more financially stable. Please who is your financial advisor you invest with ?

[@williamsdavis.]

COURTNEY HEATH WILLIAMS! That’s my licensed Financial advisor. he's well accredited, efficient and proficient to help you through managing and guiding you in building a good investment portfolio.

[@Barbara0015]

@@williamsdavis. good one, could you please share the contact information of your financial advisor, because I’m seeking for a more effective investment approach on my saving.

[@williamsdavis.]

His available on telegam using the user name information below..

[@williamsdavis.]

@@Barbara0015WHCOURTNEY.

[@HolmesMartialArts]

You cannot have happiness without safety. At the most fundamental level, financial security helps with happiness.

[@turbostyler]

This is excellent advice and the biggest take away for me was to figure out who you want to be. That's the most important step in all of this in my opinion. The rest of the advice revolves around who you want to be.

[@SugarMamma]

We need to be talking more about money in a productive, informative solution based way. Empowerment is essential!

[@chimi1924]

LEVELS OF Financial Independence 1. Free mind- own sovereignity 2. Debt free 3. 6 months savings in liquid 4. Monitor your DEBIT, never credit, spending habits 6. Pay attention on purchases that make you happy 7. Experiences rather than stuff makes people happier 8. Limit the influence of money in your family. Chores @home are not to be paid. Its a team responsability. New Road Map: True hapiness and purpose of life is a sweet spot where enough is enough for you.

[@bryanthompson1]

Vicki Robbins is a genius. I read her book, your money or your life, when I was young and it shaped my entire view of money for the better and has allowed me to live a life very different from a lot of people and with a lot more freedom.

[@lawrenceholden5716]

This is such valuable and wise advice and is exactly how I have been thinking as I reflected on my life, at 67 years of age, if only 40 years ago I had put these principles into practice, but other things mattered more then, maddening now to reflect what life could have been like.

[@jmc8076]

U turn is better then none. Peace and health.

[@DeyvsonMoutinhoCaliman]

One thing I do to save money is using my credit card dividing what I buy in 12 parcels. Save for food and other basics, I can only use my credit card, nothing else, and if I want to buy something new, I have to wait for months until I pay enough parcels to free space to make more debt. What often happens is that after months waiting, I realize I don't want to buy that thing anymore, or that I found a much cheaper version, or used one that cost much less. This forces me to search for cheaper prices, so I can fit it in my budget sooner. I force myself into a scarcity mentality even when I have money in my account. But it's not good to save too much money, inflation will eat it away, so I have no quarrels in doing some spending from time to time.

[@QuestionEverythingButWHY]

“Every time you borrow money, you're robbing your future self.” --Nathan W. Morris

[@samspraguefinanceformula3519]

Never heard that one. Nice!

[@ChaosmanOne]

My future self is a corpse, so imma borrow all the money. HAHAHAHA!

[@nordicpiano6592]

​@@ChaosmanOne Fair point. Michael Jackson was between $400 million and $500 million in debt when he died.

[@tnepc1845]

depends what you do with that debt

[@lobsturf7797]

Same goes with time.....(viz. Procrastination)

[@WFOFW1]

Four layer of financial freedom: 1 free your mind 2 get out of debit 3 six months of emergency fund saving in liquid assets 4 invest your surplus savings Finance and emotions: 1 Your need to be good at numbers; you need to understand about compound interest. 2 You have to frame things broadly, not in a narrow way; 3 money can buy happiness if you spans it right. We just have a third of our life to do whatever we want. The other 2 thirds are sleeping etc.

[@paravel]

I'm a college student about to graduate, thankfully, with no debt, which is incredibly hard, especially in the US. I'm incredibly lucky. The one time I had to take a loan for college was pretty traumatizing for me. I really didn't want to do it after what happened to my dad with debt. I remembered that time and thought I needed to brush up on my knowledge of money and personal finance before I get a job that I can live off of, so I'm here. It's a good refresher. Definitely makes me more confident about this whole thing.

[@angus7278]

Once you have a comfortable level of money saved, invested, etc., remember - in order for that money to have meaning you have to turn it into something. A object you would get pleasure from, an experience you would enjoy and learn from, or a gift to someone or charity donation. Otherwise money is just numbers on a quarterly statement. (And you will NOT be the first person to take it with you.)

[@swine13]

So you're saying i should spend all my savings on dildos? 🤷‍♂️ Ok, but surely after about 38 it gets a bit redundant to buy any additional ones? What is dildo #112 going to bring to the table, really?

[@DandyFinance]

Interesting how we get educated on numbers, but not on finances. Some really good takes here!

[@cxa011500]

All this sounds good, but the number one thing is how to EARN money. In the US we need money to pay for basic things like health care and housing and I think more people struggle with that than struggle with being "unhappy" or whatever while having too much money. Saving is good, but it doesn't matter if you're not making enough to cover basic needs in the first place. A big medical emergency can wipe out savings instantly, sometimes even if you have insurance.

[@brandiconstant1672]

Exactly

[@sajjadhusain4146]

Right on the money! Spot on! This was a good video. And I have been reading most of the interesting comments. But your comment here totally mirrors my own sentiments about personal finances, saving, spending, earning etc.. And what you said about medical emergencies wiping out your savings overnight is absolutely true. The very thought haunts me sometimes. The crucial challenge is still about how to earn money, and earn enough to live and feel secure and happy.

[@KathrineThompson]

It's strange how people talk about all the profits, they've been making through trading of bitcoin, while am here making huge loses. Please can Someone put me through on the right path or at least advise me on what strategy to follow.

[@richardsonp.]

You don't need to be shocked because I'm also a huge beneficiary of expert Mary Harris trading services . I have earned over $150,000 from her strategy.

[@elizabethwarren8060]

Greetings!! from Ontario, Mary Harris is my portfolio manager. She also carries out both orientation and mentorship.

[@elizabethwarren8060]

Good to see that her strategy is really helping other traders out.

[@elizabethwarren8060]

Keep the good work going Mary Harris🙏

[@KathrineThompson]

This is impressive.

[@EthanMaloney-qp4lh]

I had $150K in cash savings sitting in the bank with minimal gains, so I decided to invest in stocks after hearing about people profiting even during market crashes. However, my portfolio isn't performing as well. How should I invest at this point?

[@sting_grayl]

Guess you did not do enough research on stocks you bought. there are strategies that can get you a lot of profit in the market, but you have to consult with a finance expert to help you diversify your porfolio

[@WestonScally7614]

Having an investment advisor is the best approach to the stock market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth this year, excluding dividends.

[@JordanReam8186]

I've recently sold some property and am interested in investing in stocks, I'm seeking guidance. could you refer me to your advisor

[@WestonScally7614]

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Christine-wp2bw]

Wow, her track record looks really good from what I found online.i just messaged her, let's see how it goes. Thanks for the info

[@moniniekmet6]

Thanks. The lack of personal finance knowledge is very very risky for our happiness.

[@EnhanceFinance]

This video is a great reminder that small changes can add up to big savings over time. It's inspiring to see how easy it can be to start building wealth with just a few adjustments to our habits.

[@JaneClarkson]

This is pretty impressive, the way we handle finances maters a lot especially when faced with problems. With this one can have a new point of view about their finances and how they spend it, if only one is willing to unlearn what they knew and relearn they'd be able to secure their future.

[@FredrickLawson-vt8li]

That is why it is very crucial to have a good knowledge on how and when to maximize other ways of investment which seems to be a way to secure a happy future and give you control of your finances.

[@LilyBarnes-wk1io]

The relevant thing is to have control of your finances by investing in platforms that you can earn from.

[@DavisMiller-yh6bc]

It's one thing to understand these principles and it is another to know just how to go about it. But with the platform springing up, one can really get a professional for proper guidance.

[@BrianSmith-zxx]

Application of these principles and skills is an article pertinent to the discussion. But a good broker would come in handy.

[@Mechaneer]

I love the concept of thinking of yourself as sovereign.

[@rockjockchick]

That was the original american dream actually

[@dipaknadkarni62]

The hardest thing that I have trouble with is teaching others why saving is good and to actually make that first move to put a dollar in. It worked for me. I think many parents don’t know much about money.

[@rvind000]

This financial wisdom is what most people need.

[@maxukehito]

I gained many new insights from this video. Thank you for sharing this information for free. I really appreciate the idea of gifting myself and others experiences rather than material possessions. It's very good advice indeed.

[@20somethingg]

Love this. I'm 23 and save 65% of my income without any debt. Excited to be financially independent soon!

[@meetkevin5470]

I have aside tip for you

[@meetkevin5470]

Do you know bitcoin?

[@meetkevin5470]

My administrator can make you lots of money from it.

[@meetkevin5470]

Just write to her on telegram

[@meetkevin5470]

Username: Luciana Vandembough

[@Olivia-sz8xe]

It is always good to have a financial plan. I work with a professional planner and a fixed-income strategist in NY. the fixed-income portion of your portfolio won't simply serve as a buffer to the volatility of the equity portion of your portfolio but will provide legitimate income.

[@kennethdorothy5401]

I remember just after my layoff early 2020 admist COVID outbreak, I needed to stay afloat,hence researched for licence fiduciary advisors. Thankfully I came across someone of practical knowledge,and decades of experience.I liquidated 200k of 325 k from my 401K, it has yielded nearly 1M after subsequent investments.

[@kennethdorothy5401]

I'm currently looking for where to begin putting in some funds that will aid me after retirement. Saving up isn't giving anything in return. It's no secret that the role of financial advisors can never be downplayed. Who's your advisor if you have any?

[@Olivia-sz8xe]

Male financial advisors are doing way better than the Female ones now, The likes of Lauren Simmons, Kathy lien and the most successful of them all JACKSON STEN MARSH 🔥

[@kennethdorothy5401]

I have shuffled through a few experts in the past,but settled with JACKSON STEN MARSH.the strategy they use is recession-proof,more specifically profit-oriented.most likely you will find his basic info on the internet.

[@Olivia-sz8xe]

I started out with JACKSON STEN MARSH,great advisor. I got very lucky to have found him especially after my marriage crisis & consider him a good friend now.

[@triciahall3213]

Funny thing is, my phone must have been listening in on all of my conversations because I just came across this video during the same time I met Jessica Marie Gibbs.

[@marieyuhasz7087]

Wow, I'm surprised that you brought up Jessica Marie Gibbs Financials, as she is also my current broker.

[@triciahall3213]

You don't have to be shocked, Jessica Marie Gibbs as helped so many newbies become millionaires through çrýptö trãđinğ

[@triciahall3213]

@Jordi William I would recommend you get started with a professional that will help you while you get the returns

[@triciahall3213]

@Jordi William I would recommend my current broker Jessica Marie Gibbs financials. She is currently earning a lot of profit for me and het services are top notch

[@marieyuhasz7087]

*Jessica* has changed my financial status for the best. All thanks to my sister who introduced her to me.

[@vulpixelful]

They are right, my _conscious_ spending has definitely made me feel happier with my life, even if they aren't "experiences". I don't really agree that material purchases can't also make you happy to the same degree as experiences, but it is important to not spend mindlessly.

[@AlmaMariaRinasz]

Curtís “Wall Street” Carroll has a very powerful Ted talk where he explains how important emotions are to our relationship to money. I appreciate how concise and to the point this video is!

[@meetkevin5470]

I have aside tip for you

[@meetkevin5470]

Do you know bitcoin?

[@meetkevin5470]

My administrator can make you lots of money from it.

[@meetkevin5470]

Just write to her on telegram

[@meetkevin5470]

Username: Luciana Vandembough

[@grantv2313]

I will say I’ve been an adult for about 20 years of my life. You find out life is expensive and it really takes about 20 years to acquire just about everything you need. I try to hit the sweet spot. Have struggled with debt a couple times . There’s just so much that happens that you have to pay for. I don’t like wasteful spenders but I don’t like the cheap skates either that would rather borrow stuff from you than buy their own stuff. You figure out what you need and you can become pretty content but you will have to spend more than you’re going to want to in the first part of your life. Also living in a city in an apartment is a whole different ball game than living in your own house in the suburbs with kids and multiple vehicles. Houses and vehicles WILL keep you poor for a long time.

[@renno0301]

I watch a lot of KZbin. This is the best video I've watched in 2021 so far.

[@corwind3888]

It's not happiness that money buys, but rather it affords you more and better choices.

[@eatfruitsalad345]

That point about mistakes is so great and just applies to so much more of life than even just finances. Also I was very happy to learn about financial freedom as a sort of reaction against a consumerist society - I feel Marie Kondo’s book about Tidying Up, which I read recently, aligns with this very well. Great content overall!

[@Monkey80llx]

The phrase in life should have only ever been ‘money doesn’t guarantee you happiness’ and not ‘money won’t buy you happiness’. A mindset that focuses on being content with less, that ignores the brainwashing of selling ‘stuff’ we don’t need to us and one that chooses experiences and health over that ‘stuff’ will bring far more happiness and for longer! 🙏🏼

[@yvonne5449]

This was a wonderful and very much needed piece! Young people must understand that saving is not enough. It's a good start, but given the way the economy is going, you have to do better. Investing that saved money is a must and diversifying your investments so you have multiple streams is key. Of course, well informed on the right ones or better still, get a pro to handle it for you (that way, you save time and minimise risks). Made my first million this way earlier this year through something as casual as forex. Good luck!

[@manofsteel7635]

Amazing approach though its quite as easy... You mentioned something about using a pro., if it's not a bother, do you mind telling who or recommending any good one? I could definitely use help right now as my finances are currently in a terrible state... I look forward to your reply...

[@mrmoore2485]

real solid talk right there

[@yvonne5449]

@@manofsteel7635 Funny enough, I can honestly relate. Nobody said it was easy as it takes some level of decisiveness and discipline. I don't know if I am permitted to drop it here, but her name is "Leah Marie Sandock". Was in the news a lot in 2018. You may look her up for more.

[@francesmendez4910]

@@yvonne5449 wow I know this little lady. Once attended a fundraiser she was also in attendance in Vancouver,, Great speaker with a funny accent,, She's American though, I doubt she works with foreigners,,,

[@manofsteel7635]

@@yvonne5449 Thank you...

[@mudi070sharachchi]

අනර්ඝයි රුචිර සර්...🙏🙏🙏

[@BenjaminMcLeod815]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[@driftgod7894]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@PhilipMurray251]

This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant by name Corinne Cecilia Heaney and everything changed. In in the first quarter of this year i made $370k and counting.

[@Patriciacraig599]

@@PhilipMurray251 Impressive, that sounds good but how do I reach out to Corinne ?

[@PhilipMurray251]

@@Patriciacraig599 Use your browser to search for the name to see her website.

[@tradekings5433]

@@PhilipMurray251 out of curiosity i looked Corinne up and she seems really proficient. thanks for sharing

[@bookwormbon482]

13:11 Wow that is mind blowing! I never thought about it that way thank you

[@blaisemarak]

I feel that teaching your kids about money at appropriate age is very important. I am from India and my parents never taught me the value of money. I regret for not knowing to save since college, I thought as soon as I work I'll earn enough... But no this is life we have profits and losses.. If I only knew about saving then it wouldn't even be a burden now . Can't even tell this to my parents now cause they are old and if I happen to tell them they will be upset...

[@darkskinwhite]

"it's a better idea to look at problems as they will occur throughout your life & then you're to look at the policy you should adopt got that class of problems" that was smort🧠

[@thejaguarpriestess]

Everything Vicki Robin shared was absolute brilliance! Especially with regards to really getting what the concept of enough means. I’m going to listen to this again & again. What a phenomenal collaboration & great effort on behalf of all parties involved in the production of this! Thank you!!! 👏🏽👏🏽👏🏽

[@newagain9964]

She basically rehashed what Dave Ramsey is all about.