Dave Ramsey Brilliantly Explains How to Build Wealth | KOSHER MONEY

[@viviancarolgioao]

The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or saving my earnings to achieve this goal?

[@Tonyrobs2]

Varied sources of income is wise and especially living within your means. My net worth is $2M and I can pay my bills with no stress, but I don't live like I have that. I have no complaints.

[@SeanTalkoff]

Exactly, a good number of people discredit the effectiveness of financial advisor, but over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure and that's fine by m

[@PASCALDAB]

@@SeanTalkoff Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

[@SeanTalkoff]

My CFA ’’ Sharon Ann Meny, 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..

[@PASCALDAB]

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 resume.

[@MaximilianFischer497]

Creating wealth entails establishing positive routines, I had only $78k to my name at 32 when I first woke up to this reality. I chose the stock market as a medium of growth, got an excellent financial advisor, Financial management is a vital subject that many avoid, often leading to future regrets.

[@TicheDebb0]

Indeed, currently I'm managing my finances wisely and being frugal. In the last 11 months, my investments grew by 43%, adding over $500K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.

[@MarshalWagner457]

Many folks overlook the importance of advisors until their emotions cause them problems. I recall a few summers ago, after my lengthy divorce, I needed support to keep my business going. I searched for licensed advisors and found someone extremely qualified. She helped grow my reserve from $275K to $850K, despite inflation.

[@RowanBryson]

Glad i came across your comment, Could you please share the name of the consultant that assist you and if you don't mind, how do I get in touch with them?

[@MarshalWagner457]

“Diana Casteel Lynch” a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in finance

[@vince9080h]

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.

[@NicholasBall130]

I appreciate your commitment to guiding others toward financial success. We all strive for security and a better quality of life, and this can be achieved through smart investments, mindful spending, and effective budgeting. I'm thankful I discovered the value of hard work and financial independence early on in my journey.

[@LiaStrings]

Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.

[@StacieBMui]

Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)

[@cowell621]

Could you possibly recommend a CFA you've consulted with?

[@StacieBMui]

Credits goes to “Rebecca Nassar Dunne” one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@BateserJoanne]

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 email shortly.

[@sterlinlima8209]

I've been listening to Dave Ramsey podcast for about 5 years but this time I will implement these steps, I will change my family tree

[@diane.moore-]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@Grace.milburn]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@ThomasChai05]

Exactly! That’s my main concern-finding a lucrative venture amid the current economic downturn. What opportunities are worth exploring in these challenging times

[@mikegarvey17]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@mariaguerrero08]

@@mikegarvey17This is exactly how i wish to get my finances coordinated ahead or retirement. Can I get access to your advisor?

[@mikegarvey17]

Izella Annette Anderson is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Ksante-s8m]

Great video, but honestly, a lot of people are missing out on what really builds wealth. The book Wealth Decode has some next-level insights that totally changed how I look at money and success. Definitely worth a read if you’re ready to see things differently.

[@Anton-L-S-b6w]

By which author? Couldn’t find it online..

[@stephanndon]

i read that book, great read!

[@ozbiljnisigmator]

great recommendation

[@mrgmsrd]

We made a bar mitzvah about a month ago. We kept everything simple and spent within our means. No borrowing, everything paid in cash. It was a beautiful simcha, and no one missed anything. We did a simple breakfast for my son's class at school on his bo bayom, a regular kiddush at shul (no extras), dinner & lunch for family and out of town guests (about 45 people per meal). Sure, it was less than most people in our community do, but to not have to worry about how to pay for it was priceless.

[@kizitoandrew5682]

"Better than I deserve" _ a statement of humility!

[@artepact]

Five years ago started using Baby Steps, which was so helpful in getting our marriage in the right direction. Now, in the next few days we are expecting our second child, which is G-d's way of empowering us to continue to live by his commandments. Thank you Dave & Langer.

[@BankofArabia]

Why don't you just spell God?

[@heatblair]

@@BankofArabiaThe Torah tells us not to use G-d’s name in vain and it also tells us not erase or obliterate the name of G-d. So when writing or typing it, there is a possibility His name can be erased, so to ensure we follow that commandment, we don’t spell it out in entirety.

[@deborahdavidson8541]

​@heatblair, thanks for sharing that information. I appreciate the glimpse of the thought that has been putting into the Jewish way of faith.

[@marypladsen5231]

@@deborahdavidson8541 I appreciate the explanation too.

[@StitchedandHookedbyRobin]

Refreshing! “I know the plans I have for you.!….” Exactly what I needed to hear. Thank you Dave!!

[@michaelwiebeck3]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@Rachadrian]

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.

[@Pconradsmith]

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’s the most effective way to enter the business at the moment.

[@Derekhoffman312]

Could you kindly elaborate on the advisor's background and qualifications?

[@Pconradsmith]

Annette Christine Conte is my Advisor. She has since provided entry and exit points on the securities I concentrate on. If you want to check her out, you may do so online. I usually trade in accordance with her strategy.

[@Derekhoffman312]

Thanks, 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 call.

[@mariarooney6262]

Absolutely fantastic interview. Thank you for having Dave on. I’ve followed Dave plan and it works. I’ve been out of debt for many years doing the steps. There is no price I can pay for the feeling of freedom. The weight of debt is unbearable. Little by little. It’s so exciting to be free from debt. Thank you Dave. Thank you Kosher Money. The best interview of Dave. 😊💰

[@ParkDari]

Baby steps worked for us. FI is living your best life. Teaching the kid. Never stopped our giving, reduced amount but never stopped. Charity has only expanded. Became minimalist by choice after FI. Still can’t believe we used to care so much about stuff. It seems so bizarre looking back. 🤷‍♀️ finances completely automated, check it once a month as a couple.

[@lyndahammel9502]

We paid off our house early by refinancing and paying an extra $100 toward principal each month.

[@mixit313]

This was so helpful. My supervisor was led to give me a copy of the Debt Money Makeover during a deployment when I was in the Army. I’ve worked my own version from the tenets and have gotten out of debt, just to get back into debt. I’m 54 now and I need to quit playing…I’m going to now work it right without variation. Thanks for this.

[@dovid8888]

Helpful & Empowering. I’ve always had trouble with budgeting and hearing Dave talk about how it isn’t a one time sit down thing, but rather something you need to do every month, really changes my mind set.

[@brianingram2068]

It works like this: say you exceed your budgeted amount for some line-item (let's say it's "Kid's Activities"). You ask yourself, "Was my budgeted amount unrealistic," meaning you simply underestimated your expense in this area so now you'll allocate more to cover it in future months.. Alternatively you question, "What am I having to de-fund or de-prioritize in order to cover this expense?" Here you're deciding that there's something else in the budget you value more, and need to cover before this line-item consumes the cash. Each month you're examining whether your actual spending is aligned with what is important to you, and you get to choose to not-spend some amount today that will cover a foreseeable expense you know you will need to cover later. It's not a one-time act but a continual course-correction, kind of like keeping your car centered in your lane. The road bends, and your budget specifics will change over time, but you are ensuring you don't run into a ditch for lack of mindfulness.

[@djtec17]

22:32 "There's no shame in that." Words for everyone and just as importantly, don't be a jerk! Helpful 😊

[@Ponzuu28]

Very helpful and I’m not even American, but it’s just plain common sense for everybody. Thank you Shabbat shalom

[@charimilligan5326]

Agreed. Shabbat Shalom ❤

[@thomaswright2423]

"Common sense is like a super power."

[@loft27ss]

Dave, thank you for getting our family out of the debt ❤

[@TravNasty520]

Give yourself some credit. Your family got yourselves out of debt, Dave just gave you the motivation to do it! good job!

[@linak7155]

Dave Ramsey lives in Franklin TN.? He offers common sense financial advice and scolds you like only a Dad could!❤

[@LivingLchaim]

And we love every second of it!

[@pauly5502]

All of Dave’s housing suggestions do not consider that most people pay property taxes similar to house payments

[@pauly5502]

You dump all your money time and effort to get your house paid off what if you never want to sell your house?

[@yeritzadelgado2191]

@@pauly5502 I just pay off my house in January this year!! And let me tell you was the best feeling ever! A few years ago before buying my house I pay off my fisrt car and It felt good! Then I though why not paying off my house? I wasbsupposed to pay it off in 2032. Yes I knew if I wanted too I can pay it off sooner but I was getting somethings fixed at the house first. Even thought I have the money to pay it off I didn't want to take a lot of money from my savings. I keep sending 5k every few months and working overtime! I pay it off and still have money in my savings and about to move it all to a hysa! Next year goal paying off my new car! Just 13k to go. Not way I will keep that long for 4+years!! I will send 9k by december and the other 4k I will pay it off by feb-mar. Nobody can't tell me is not better feeling in the world to work and save money and not have to worry about a mortage or loan 😊

[@pingupenguin2474]

Then great ! You ain't got any mortgage payment ever again ! The house is an appreciating resource for whover inherits.

[@lyndahammel9502]

We lived on my husband's income. My income was used for extras such as vacation, saving for a car, etc.

[@TerryCollinsP31Lifestyle]

Love Dave Ramsey. It’s so good you did this interview because it’s good to keep revisiting these steps.

[@lyndahammel9502]

You can have fun on a staycation which costs less. Take the time off and stay home. Use the hotel savings to eat out a few times. Find free events in your area to visit.

[@tulites9937]

Thank you Eli This episode is so refreshing and HELPFUL!

[@davidmaldonado8294]

Kudos to Dave. I really enjoyed this episode, definitely Helpful !

[@mariapalumbo6630]

Thank you for always having such informative guests. YOU ARE A BLESSING!!!

[@Patriciabanks5]

I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

[@scottarmstrong11]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@Johnlarry12]

That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.

[@frankbarnes22]

Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks

[@Johnlarry12]

My CFA Carol Vivian Constable, 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.

[@frankbarnes22]

Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.

[@JW-yt7lr]

Great advice from two of the best in the game . The only thing id add is , when buying that first house , dont go over your head for the ' forever 'home ' You dont need triple garage , four bathrooms and a kitchen the size of a ballroom to start . Buy a small to medium size home , but in good area , you can always improve a house but you cannot improve an area . Then plan to pay the morgage down and trade up as house prices grow . As Dave says , live within your means . Dont try to live to impress friends and family because , if things go wrong , they are very unlikely to be able to bale you out .

[@LittleKikuyu]

Buying a house 😂 It’s become utopia for most people these days, at least here in Europe 🙈

[@SHARONSHORTOrchidsandGarden]

Mr. Ramsey is being nice. He doesn't want to tell you that when it comes to wealth is living within your means and common sense.

[@zengjanezhu]

I wish I knew that advice when I bought our home. We bought a best house in a not good neighborhood. The house was completely remodeled, and I fell in love with it. Stupid idea. For the same amount of money，I could buy a not remodeled, bigger, decent house in the best area of the city. Fast forward 20 years, the house I skipped worth at least $1,000,000 more than my home.

[@pepecap]

Not only that he says there is no such thing as a dream home. Because you always want to add to it. You always want something more or different because you get used to it. You can build your home live there for a year and say damn I should of made the kitchen bigger or bigger yard or bigger blah blah. Which makes since.

[@TerryCollinsP31Lifestyle]

I love Dave’s answer to what is a priority. That’s how we are with our health. This is a non negotiable for us. Love that answer.

[@eswarez2226]

Kudos to you! That’s an impressive guest you got on ! Keep it up!

[@BJ-bc7sl]

The hardest thing is when the spouses don’t see eye to eye or one of them is emotionally immature.

[@monikadoyle-realtor9559]

I think you just have to gently show and teach them! Be patient-it’s hard for humans to change their thoughts and habits. But we can change with time and gentle instruction. You need to be committed to each other in every way including your everyday spending and the amount you’re saving for your futures together.

[@mattylight5051]

I’m in that boat lol

[@chrisabreu5589]

I appreciate your guys’ comments. I struggle with that with my partner. Monika, I think you hit it on the nose. It really is about education. She didn’t have the knowledge about finances growing up, so it’s my job to teach her through my own actions, a lot of grace and patience and love. Thank you

[@alexg8460]

@@mattylight5051lettem crash than they’ll come asking for help 👍

[@ParkDari]

We chose to live at poverty level for 16yrs to cash flow our kids Catholic education. Some people would call us insane but it was nonnegotiable. We cared more about the Catholic education then we did about our home or our cars. The kid did the work and got full merit scholarship to Uni. We have no regrets, we purposely chose that path. With Dave Ramsey we became FI during the process. The 563 sq ft condo we lived in is now our rental property 😊 Fortitude yielded Grace through out the whole process.

[@LivingLchaim]

Well done! 👏🏻

[@jonathanheit3259]

😂

[@greaterishe7197]

❤❤❤

[@azbuckeyegirl9523]

So important to hear. We knew that we wanted to homeschool -even before our wedding day. Whew. That freed up money that we used to cash flow building our house. (While living in an RV.) pretty crazy but we've never had a mortgage. 😮 My heart does go out to the Jewish community, many of whom, I'm sure, feel that they must pay for private school for safety. 😢 Are there private Jewish home school co-ops?

[@sahadamusah2193]

😢🎉❤😂🎉😢😮😮😮😅😊ش 4:17

[@mica7133]

This was both helpful and empowering!! I appreciate this so much!

[@TerryCollinsP31Lifestyle]

This is such a good interview. Love it shouldn’t look the same because you are at different income levels. There is no shame in that. Love it

[@tappersuzie]

Just subscribed - Shalom brother LOVE this episode … I am a Ramsey Preferred Coach in NJ .. so glad to see the Solutions continue to spread into the Jewish community - Boker Tov !!

[@irenem3854]

I love these collaborations. So helpful

[@zevpopel9419]

Love Dave Ramsey it was HELPFUL and EMPOWERING

[@lyndahammel9502]

We gave one daughter x amount for her wedding. Anything extra she paid for. Another daughter was given the same amount for a house. When she needed more we lent it to her and she paid it back with interest. Both daughters are good managing money.

[@Jasch131]

You charged your daughter interest? Lol. That’s cruel

[@marhar2]

I always enjoy listening to Dave Ramsey... you did a great job as a host, bringing out some very interesting discussions!

[@jonathanlunglo]

Super helpful and empowering video! Thanks for sharing it!

[@silversage03]

Thank you for spreading the news of the importance of sound financial guidance!

[@jasonyitzie]

Me taking notes throughout! Amazing episode

[@cheskysadventures4598]

So excited for this episode

[@HannaBanana9989]

Great collab! Kosher money for the win, dropping facts we all need to hear.

[@Emunaboy]

Always helpful to listen to Dave ramesy

[@DianeRochelle-e8t]

I really enjoyed your show I learned so much thank you. Have a great day ❤

[@maribethvance9958]

I find that hilarious dave, my husband does not speak budget, I'm the one doing all the planning all the budgeting and he just wants to live life as if we have all the money in the world

[@brendaleblanc4088]

This is my scenario also. I am all about the budget and watch my spending (for the most part) he doesn't want anything to do with budgeting. It's a challenge. He has gotten better, but it's hard. Never put money for banks together because of this.

[@yeritzadelgado2191]

Wonder if all the husband are like that! 😂😂

[@krissifaith6709]

Our company spends most of its time teaching these principles. Keeping out of debt is the number 1 thing we teach. Parties and celebrations are so expensive now. There are ways around spending so much. Here is one excellent tip, kids love preparing for parties. Let your kids & their friends help with the decor and the goodie bag prep... get items on sale throughout the year. We buy our kids' uniforms at the outlets 6 months after school begins for the FOLLOWING year. ^^ There are so many ways to curb costs and keep debt-free. The more debt free, the more you have available to invest.

[@yuramamin6611]

It was HELPFUL AND EMPOWERING 😊❤ Toda raba!

[@jacobehrenpreis1593]

Wife and I went from going out to dinner for ' momentous ' occasions spending a couple hundred dollars plus to me grilling some nice steaks, etc on the grill - about $50 for a nice time and relaxing dinner

[@thegreat9481]

Nothing wrong with going out

[@chayalekahana765]

I really enjoyed this episode. It is so helpful and empowering

[@Aarrenrhonda3]

Newbies need to learn the ropes, know how much risk they can handle and diversify their portfolio. Some folks get help from money experts or do their homework before making investment moves. It's all about being smart with your funds.

[@mayyazozulya6988]

Helpful and Empowering!!!👍🙏

[@sarahmiles449]

Empowering! Thank you.

[@muttyzeiger7035]

Amazing! Extremely helpful

[@erikahay6456]

I really enjoyed this. Thank you for this podcast.

[@monikadoyle-realtor9559]

Watch timestamp 43:00 some of the most beautiful words I have heard Dave say!!

[@jaerella]

enjoyed watching thank you for sharing. so mush wisdom was shared. thank you.

[@dalibotond]

Helpful and Empowering! Thank you 😊

[@mlbonventi]

Empowering - thank you.

[@joanitakirabo3081]

Helpful and life changing.

[@ElleMonzon]

Happy for this collab.

[@fpmutwira]

empowering and awesome, explanations are simple and explained in common words that everyone can understand.

[@ANDYPADOVA]

Your dedication to helping others achieve financial success is greatly appreciated. Smart investing, careful spending, and efficient budgeting can help us all attain our goals of stability and a higher standard of living. I'm glad I learnt early on in my path the importance of perseverance and financial security.

[@michaellaw321]

Despite my involvement in investing, I am discouraged by my inexperience in evaluating the performance of specific businesses and figuring out when to buy stocks. My worries are heightened by the way inflation is eroding my cash reserves. I need accurate information regarding the market trend right now, but I'm not sure what to do.

[@thomasbetts01]

Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)

[@theTeslaking]

Could you possibly recommend a CFA you've consulted with?

[@thomasbetts01]

Credits goes to “Sharon Ann Meny” one of the finest portfolio managers in the field. She's widely recognised; you should take a look at her work.

[@theTeslaking]

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 email shortly.

[@bradleygraves5915]

I learned that PMI is weighted by your credit score. I borrowed $562K and pay $91 a month PMI. And yes, I got a 30-yr and put down 5%. However, I pay mucho extra and will have it paid in 10 years versus 30. Of course I will get the PMI removed just as a small win in the journey.

[@nyguy-tp5sn]

HELPFUL EMPOWERING!!!

[@niceandcurly]

This interview was so helpful and empowering 🎉😊

[@johnouellet4099]

Nice to hear Dave explained the baby steps not to nitpick, but Roth is not tax-free. It’s tax upfront.! I highly recommend Roth as Dave does. I maxed out my Roth every year and I suggest you all do the same but just to be clear.

[@shaynaceaser961]

Helpful, thankful, Grateful!

[@rla1588]

Helpful and empowering!

[@mrsgoldie14]

This is Golden!

[@shirabenmergui2643]

Empowering. Your efforts are helping the Jewish community be educated about personal finance.

[@MosheKatina]

Amazing episode!

[@WilliamWhite-d4t]

Dave made his money helping people solve their debit problems great country America

[@nenabarberena6063]

Helpful and Empowering ❤

[@deucebrandt]

Very helpful among other things. I think I need to budget for a Black Air Suit with Twillory. Great interview its nice hearing other views from a Jewish perspective.

[@MarkNover-dg8cb]

"It's not religious, it's just prestige and childish", So very true!!

[@kitkatdonuts1]

Helpful. Thanks to both you.

[@greaterishe7197]

Helpful & Empowering

[@TerryCollinsP31Lifestyle]

Excellent information on donors fund. Also great question you are asking Dave Ramsey.

[@angievol09]

Please share why Dave says 'better than I deserve' !

[@alexcooldad30]

Well done. Next step is to find affordable tuition

[@tryingndoing]

Helpful and empowering! Numbers 6:23-27. Blessings!

[@Gannicus-USA]

There were kids in my class whose Bar and Bat Mitzvahs looked like weddings! From extravagant garden parties to renting out Hotels for an entire weekend!

[@greaterishe7197]

😳

[@godblessyou7376]

Not impressed

[@Gannicus-USA]

@@godblessyou7376 don’t care. Topic was kosher money.

[@jacobside2656]

My brokerage account loves my credit card cash back. Not everyone are credit card people, but for those of us who are, they work great.

[@Myrnahoenlein]

Helpful, informative.

[@Mr_Begoo]

Helpful & empowering 💪🥳🍻

[@ariesalamon2745]

Thank you for another helpful episode!

[@ShloimeT]

Very well done Eli

[@chalandajones3300]

Helpful and empowering! Thanks

[@BrendaJones492]

Love Dave Ramsey.

[@shlomokatz-i8i]

Awesome so many useful insights

[@gurwindersahota77]

Hi can someone suggest the best mutual funds return wise to invest for long term hold

[@californowoodfiredovens8736]

I LOVE YOUR SHOW!

[@jaynerucker8528]

I found this soo Very Helpful!!

[@Isynick]

It was helpfull and empowering, from Tanzania 🇹🇿.

[@SFreud-pt3ll]

Super empowering!

[@nwprt]

I’ll give you the data public schools in inner cities are trash and I didn’t have a choice on where I could have gone because I needed to stay within my zip code. I didn’t know I was able to go to college until after I graduated I don’t know a single person who went to college. If you have the means and live in a poor area send your kids to a private or charter school. My entire childhood influence at school has greatly limited my life financially, healthwise, an the ability to interact with others on a professional level. I’m striving to be better though.

[@y.g.9818]

Empowering! Tysm!