Why You Stay BROKE! This Will CHANGE YOUR LIFE | Motivational

Why you stay broke and struggle financially. Motivational video.
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#motivational #debtfreejourney #inspirational

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[@edythethompson7671]

The debt industry calls people who don’t take on debt deadbeats. I agree with you, Cyclecruza.

[@JeffAdairKTM530]

Thank you brother. you were blessed to not get any woman pregnant and have to start a family at 20. Being single and being smart can really help control your future.

[@CycleCruza]

lol That will definitely make your broke and one thing I was very strict about early on was not having kids or getting married, that is the two biggest things that can destroy you financially. However, you can still make positive changes to financial freedom even if you fall down that path.

[@kidlo2050]

Fact I'm 21 and doing this and I don't regret it. All my money for myself.

[@keithy4129]

Truth right there.

[@razorrob2959]

Man I read the book, "psychology of money". One quote in that book really changed everything for me. It said, "the biggest issue with satisfaction and happiness is to get the goal post to stop moving".

[@michaelvanfarowe3630]

This is a very good video for change. It is so important not to live like you see people on Tiktok etc....... All debt is bad. Cash is king. Amen!

[@varanjitsingh9663]

There is no day without night. There is no success without sacrifice.

[@CycleCruza]

💯

[@djwavepad420]

In every successful person has always been looked at as weird because they sacrifice stuff to get to that next level the average person is willing to only do the bare minimum to get through life

[@1SmokingLizard]

Life's minimalism inputs lead to maximumism outputs.

[@tshadow6]

Amen to everything you said! My wife and I paid off our 30 year mortgage within 20 years. We have not had a mortgage payment since 2010. We keep our cars until they start giving us electric problems. Back in the 1980s, I rode my bicycle to work to save the gas in my car for school. I retired nearly debt free four days before my 55 birthday.

[@CycleCruza]

Nice! You did well. Stay blessed!

[@user-mq1od7fx5l]

I feel like I'm a long way away from what you're talking about (and I'm in my 30s), but I love that you did and that you're loving life CycleCruza.

[@kingsqueak2221]

I hope younger viewers listen to you. I love that you talk about this. I'm in my 50s and it took until my 40s to break free because I didn't know how to manage my finances. EVERY WORD is true that you tell people. My 20s and 30s were all stress, debt, abuse by employers because I had to be there every Monday. Two days off a week and I used to dread Sunday because Monday followed and I lived that for years. Debt is slavery.

[@bruceyung70]

Thanks for your video!

[@djwavepad420]

One way to always have money to buy things live below your means if you make $40,000. Act like you make $20,000. That will always make you be able to save money people don't understand how important it is to put money away.

[@magyarvandor1221]

Mate, you are totally right, and hilarious, too. Cheers for you! Warmest greetings from Europe!

[@CycleCruza]

Thanks for viewing! I hope all is blessed your way!

[@tshadow6]

I live just northwest of Tampa, Florida. The new developments going up in my neighborhood are advertising houses from the low $300 thousands. That’s insane.

[@CycleCruza]

And don't forget the insurance cost is ridiculous in FL, several thousands of dollars to get a basic house insured in FL.

[@onecrazywheel]

We live just north of Orlando. We just got a letter from our hom owner's insurance that they're dropping our insurance. Yikes. Now we will have to shop around for HI. That is not fun. Lousy stuff. I agree with you on living debt free and that is what we desire too. God bless 🙏

[@makethingshappen8427]

How you save up enough to buy a house cash? Can you do a vid on the strategy of how you did it? I’m saving up and it ain’t adding up as house prices climb faster than the saving rate!

[@CycleCruza]

If you can pay on a 15 year mortgage you can pay yourself even more. I never made a ton of money, it is more about what you can save than what you earn. I just stayed patient and lived dirt poor, rented a room for $300 a month and saved every cent I could and invested it. Over time it built up and I was able to pay cash for a house. Many people don't realize but you can get houses for pennies on the dollar if you can pay in cash and even a traditional purchase you can get a better deal like I did with the GA country house.

[@makethingshappen8427]

@@CycleCruza thanks for sharing cyclecruza, Ill wait a bit and save up because the prices are astronomical. Its a bubble.

[@ChristianMurphy-p4g]

This video should say “why I stayed BROKE! How I changed MY LIFE” lol

[@mulewax]

The timing of this video. I just quit my toxic job yesterday :)

[@CycleCruza]

Time for a new path to financial freedom. Best of luck on your journey!

[@TruthNTime]

CycleCruza be cruzin with that left turn blinker on! lol

[@Silverwinger82]

He was going around the world to the left.

[@CycleCruza]

😔

[@EEEBA1]

@@CycleCruza Your next bike should have the self cancelling blinkers, so you are safer.

[@powamoto]

Good video CycleCruza ✊ like I always say “Get a Bike, Get a Life & a wife ❤” happy holidays Cruza 9:38 😂 😝

[@CycleCruza]

lol Hey Powamoto! I hope all is blessed your way.! Say safe!

[@ListenMySon]

Magnificent. Thoroughly appreciate the masculine content. It's a natural transition from motorcycles to men's issues. Well done sir

[@CycleCruza]

Thanks for being a viewer! I appreciate it.

[@toomey2wheels247]

For a second I thought I was listening to Dave Ramsey lol 😂

[@CycleCruza]

He has the same mindset and it works, he is proof as well. I didn;t even know anything about him until recently when a viewer commented about him. Dave has some great advice.

[@TRL2303]

Cruza, well said! I have lived much like you, tho a bit older, I worked self employed for years, good money but just saved and only ever bought essentials and no debt. When the work all dried up a few years ago, I bought house for cash and Ive made profit on that. My only outgoings are food and house bills. I'm so glad I had that mindset from early on, its helped me a lot now. I'm curious - what biz did you start?

[@evan.khizkial]

I want that freedom man

[@CycleCruza]

You can and will if you change your mindset and stay disciplined. If I can do it anybody can.

[@whomarjb]

CC, when are you going to get another van and do a new build out? There's you some content for weeks and weeks! You did say that the current rig is long in the tooth

[@blanewalker5512]

being debt free is great. I'm currently debt free myself. However, investing in real estate and the stock market is essential. Open a roth IRA account and max it out and invest in index funds, like the s&p500. Also if you have a 401k, get the employers match. A lot of companies are not giving out pensions anymore. Live below your means. Then sit back and watch the sparks fly.

[@CycleCruza]

I've made the most profits on real estate, usually much better than stocks. If you know how to buy real estate you can make a fortune. I have a real estate investment company.

[@tizzin8r]

lol riding with that blinker again 😂 sorry I can’t help but notice

[@CycleCruza]

😔

[@josephrodriguez6054]

Brother, now that was a beautiful home you had down south 🔥🔥🔥 it's hard to save but im trying bro I appreciate your videos very smart man I tip my hat to you must love from southwest Detroit love Cleveland ❤️.

[@josephrodriguez6054]

And brother trust me my mexican butt eats some beans and rice 😂😂

[@CycleCruza]

Thanks! I miss that country property but it got boring af out there and a lot of extra work. lol Thanks for viewing, I appreciate it. I hope all is blessed out your way brother!

[@Frank_Torre]

The stress free life of being debt free is the way to go. I hated living check to check. Not owning anything is such a great feeling when you wake up each day.

[@CycleCruza]

Yeah it is much less stress being debt free. I was very depressed as a debt slave and no matter how much money I made I stayed in debt because it was like a mental illness constantly buying bs on credit and slaving for that debt.

[@sameed3]

I don’t wana owe any debt , I owe 25k atm. I wana pay it off and and I don’t want to owe anyone any money . I am tired of waking up and knowing I don’t own anything because I owe the bank . I am trying to get out of it

[@Robnord1]

I may be twice your age (or more), but we have much in common. 25 yrs ago I was almost $50K in debt, fearful of losing my debt slave paycheck job, and living beyond my means. The path out was like yours; Self employment, pay off all debt, and not buy anything I couldn't pay cash for. Not everybody can do this. I can see the incoming "but how could I ever work for myself?" comments now. Those people need to keep working for the man and sending their bankers on an annual cruise. Someone has to be the debt slaves.

[@CycleCruza]

Awesome to hear you did the same and changed your life too. People don't realize they are programmed to be debt slaves to the bank. However, if everybody did what we did the banks would go under. So in a way it is good that we have debt slaves

[@sinny6]

​@@CycleCruzabro its not a good thing to have slaves that feed banks☹️

[@olafschermann1592]

I was also dept free. But i build apartments for rent and now the apartments have dept, not me. Besides the renters paying back the dept a decent surplus gives me a passive income.

[@stevensmith1902]

Thank you brother really appreciate you

[@CycleCruza]

Thank you for being a viewer! I appreciate it. I hope all is blessed your way!

[@just-m.e]

Becoming debt free is very good for your mental health

[@CycleCruza]

💯👍 And it makes life much easier.

[@just-m.e]

@CycleCruza idk bout "easier" it definitely helps to know that if you have an issue come up, no one will be breathing down your neck for money right away

[@Rustyshackleford1911]

How do you find these auctions?

[@PitDriver]

amen brother

[@CycleCruza]

Stay blessed! Thanks for viewing!

[@paulbarrett6093]

Good advice.

[@ridertherapy]

I'm the same way. I tell myself, if I can't buy two of them, I can't afford it.

[@CycleCruza]

🤣

[@ryancarlson178]

The people that preach about good debt are the people that are out to build as much wealth as possible. But there is a personal factor too like you mentioned. Having everything paid off sounds like one less burden, and requires less monthly cash, so gives you more freedom to have periods of unemployment or to pursue a riskier employment path that aligns better with your values, but may pay less.

[@CycleCruza]

Exactly! You can get filthy rich by using debt, Ive seen many people do it but many people end up losing everything playing with debt. I tried that debt route and failed so I went with the tried and true debt free approach and I did way better financially and it is much less stressful. with everything paid off, if I were to lose my income I could go work at a Burger joint and still live comfortably in my nice paid off house on a low income. My total bills to live are less than $1k a month, I can live off of less than 15k a year and live a great life.

[@rollthers3157]

I appreciate the advice.

[@CycleCruza]

Thanks for viewing!

[@Rhobyja]

Sure brother.... I am debt free.... and also planning buy some property in cash,.... I own my own small business and still working in my job..... this is a great video.... thank you

[@CycleCruza]

Nice! You are doing excellent. Continue on that path. Best of luck!

[@Rhobyja]

@@CycleCruza you too

[@GT-pf6nb]

My father in law has never used credit, 75 years old. Always used cash for everything.

[@CycleCruza]

He's wise! Back in the day that's how many people were because credit was not very easy to get. Now it's too easy and people fall into the debt trap.

[@GT-pf6nb]

@@CycleCruza True.

[@billsawyer5265]

what is the flashing green light on your bike?

[@hachi-rokuperformancegroup3987]

I paid everything cash and lived debt free till I tried to purchase a house. I didn't have the full amount so I had to get a loan and got rejected for no credit and had to get credit cards and so did my wife and we had to make debt for 2 years just to be able to buy a house

[@CycleCruza]

Why didn't you just save to buy a house outright? You can get amazing deals on houses for pennies on the dollar when you can pay in cash I showed a great example in this video, a nice home that was selling a cash only auction for 50k. You do't have to save hundreds of thousands to buy a starter home. There are amazing deals at cash only auctions. if you can pay on a 15 year mortgage you can pay yourself even more.

[@danielprescott2880]

You left your left directional on again. Stay safe

[@driftracing08]

It's best to save up to buy something then to get it now with credit and most jobs now are just corporate greed and I'm looking for another job already that the only thing that's up to date in the building is the cameras so they can watch people if they are working and all the equipment is all from the 80's and 90's and all beat up and the floors and everything else has build up dirt all over it like if someone took everything outside and splashed mud all over it and I will quit that job right now if I had no payments at all

[@obeii1805]

Bro u apply credit the same way.. if u can’t pay it in full u don’t buy it .. if I can pay it back full I use my credit card n make the payment for credit purposes! And at any time I can increase my payment or pay in full

[@CycleCruza]

I used credit cards to make money, 5% cash back, but I never carry a balance like you, always 100% paid off every month. You are also protected by credit cars, just NEVER carry a balance which is hard for many people to do. When I was on my debt free journey I did not use a credit card for years but eventually became disciplined enough to use them again to my advantage..

[@gregfreeland9816]

Single father w/3 kids HS age. I could sell my house and be debt free and have about $125,000 remaining. What part of Ohio would you suggest, quality school is a must.

[@CycleCruza]

Do it! Check out here in Cleveland, you can get nice houses for cheap here. The winters have been getting more mild and the summers are amazing, it is 70's and no humidity all summer and fall. You don't need a/c here. Much cheaper living. The best schools are in the suburbs where you can still get pretty cheap houses compared to other cities in the country. People talk smack about Cleveland but is a lake town where you can buy a house for less than 150k and be within walking distance to one fo the biggest lakes in the U.S. and an amazing Metro Park system with awesome biking trails, hiking, cliffs, fishing, etc.

[@alexlu-way6904]

Get money stay bummy is the program

[@CycleCruza]

Right! 🤣

[@endtimelion4165]

Im living like that now. Never did like debt. Paid 6 grand for a beater house and ill just fix it while i live in it. Of course these modern women dont understand the plan so its jist me, dog, and chickens

[@Atrip111]

Got rid of credit cards long time ago. Only have a meijer one. Still can't get ahead though never really been able too.

[@GabrielV-AZ]

🔥🔥🔥

[@triyo1089]

Man even saving up for 15 to even be able to afford a cheap ass house in cali is saving roughly 2500 a month 😂 thats my rent

[@triyo1089]

Ngl when i have kidd. As soon as theyre 18 im charging “rent” but the rent is just going into a savings acc for them to help them buy a house by the time the move out

[@EmoKen]

🚶🏾

[@chicagoui9299]

So tell us with kids and a wife etc how to do this.

[@CycleCruza]

It is harder but can still be done. Live dirt cheap, work hard, save, invest and stay patient. It is a lifestyle not an overnight fix. There was a guy that worked as a janitor on a meager wage with a family of four that managed to save dam near a million dollars after years of thrifty living. It is great training for your kids that will teach them financial freedom and discipline that will help them in life. I wish my family had taught me when I know now. We waste so much money on crap and live well beyond our means and stay broke because of it.

[@ItsTheCostanza]

Just come to America illegally. You’re set for life

[@CycleCruza]

😂

[@coku636]

I don't really know about this debt culture in USA but I western Europe ni budy takes loans until they have 0 cash in their pocket

[@CycleCruza]

😕

[@CycleCruza]

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[@CycleCruza]

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[@user-yo1pk4ky4k]

Amen, but now you piss away a fortune on new bikes all the time. Get a bike you really like and keep it forever. Manufacturers keep making changes to bait the hook for people who are queer for bikes. Keep those hard-earned frog skins in your pocket and out of the pocket of the motorcycle companies!

[@CycleCruza]

Actually, I don't and the bikes are a tax deduction. Most of the bikes I've bought and sold and lost very little money. The only bike that I wasted money on was the WR250R. This MT-07 I have is in high demand and pretty much sell it for what I paid for it just after a year. A lot of the mods I do are sent from companies to showcase their products so it costs me nothing.

[@dr.danchallice3888]

Or you can get rich by starting your own KZbin channel....

[@CycleCruza]

lol Yeah right.