Financial Literacy In 63 Minutes

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In this video I summarize Khan Academy's 30 hour financial literacy course in 1 hour.
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0:00 Intro
0:40 Course Structure
2:02 Budgeting
8:43 Consumer Credit
15:23 Money Personality Quiz
18:03 Financial Goals
23:16 Loans & Debt
29:57 Insurance
33:43 Investments & Retirement
42:51 Scams & Frauds
45:30 Careers, Education, Employment
49:08 Taxes
51:31 Banking
56:50 Car Buying
57:21 Housing
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⏰Timestamps
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00:00 intro
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🐈‍⬛🐈‍⬛About me
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Hi, my name is Tina and I'm an ex-Meta data scientist turned internet person!
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[@TinaHuang1]

Head to brilliant.org/TinaHuang/ to get started for free with Brilliant's interactive lessons with 20% off an annual membership. 🎉

[@erkinalp]

Can you make a Chinese language, Chinese economic system version for Mainland Chinese viewers?

[@TinaHuang1]

@@erkinalp that would actually be very interesting! 🤔

[@thecalmbeforethemaelstrom]

Hi, what song do you use in the background?

[@thomasj7506]

Forget financial literacy. I want your skin care routine. Do a video on that. You're skin is glassy af!!! Tell us you're secrets 🙏🏿

[@Rdailychannel]

sameeeeee

[@LovelyRubyruby]

Best one so far sis. 11 months of investing. $57k saved, debts cleared, and a portfolio just shy of a quarter million. Taking investing into consideration last year was worth it in retrospect.

[@OnlyoneSithembilé]

Wow that's impressive. I don't mean to be all nosey but can you share how you're doing it? Everything about investing seems quite complicated.

[@LovelyRubyruby]

I didn’t have any prior investing experience. A CFA, Herman W Jonas has taken all the guesswork out ever since I got into his program. My initial capital of $11k invested in stocks, and crypto over the short term yielded me huge profit plus bonuses. It’s all about accumulating wealth through compound interest.

[@Lungule]

Do not forget that when it comes to investing, prices can be erratic, rising and declining quickly, often about companies' policies, which individual investors or “experts” do not influence.

[@CamilaBadde]

I'm currently in a hopeless place in my investment. But I’m barely making progress. Can he help me?

[@LovelyRubyruby]

Hermanw jonas that’s his gmail okay

[@no_one-pk8pn]

Timestamps since nobody else did them: 0:00 Intro 0:39 Course Structure 2:01 Unit 1: Budgeting/Saving 8:43 Unit 2: Consumer Credit 15:23 Money Personality Quiz (important for next unit) 18:04 Unit 3: Financial Goals 23:16 Unit 4: Loans And Debt 29:57 Unit 5: Insurance 33:43 Unit 6: Investments And Retirement 42:51 Unit 7: Scams 45:30 (Unit 9+11 combined) Careers, Education, and Employment 49:08 Unit 10: Taxes 51:31 Unit 11: Banking 56:51 Unit 12: Car Buying 57:21 Unit 13: Housing 1:00:24 Outro They're all offset by 1 because Khan Academy's Unit 1 is just a course overview

[@TinaHuang1]

Thank you! I also put them in but seems like timestamps don't show up on my channel anymore☹

[@bachelorettestatus]

This was very help since I can’t finish the vid in one sitting. Thanks for your help!

[@amritsingh1493]

Legend. Thank u

[@miahan8988]

@@TinaHuang1huh, that’s strange.

[@MysteryEnthusiast-f2p]

Thank you so much. Saved me alot of time

[@Avel-u2o]

Okay but seriously, this is an extremely important video. I’m 32, I come from poverty I am now doing better but I learned all of this the hard way. I still have a LONG way to go. I’m grateful for the resources and tools available now including the education you’re spreading. Thank you.

[@DUDUDISCH]

I’m 32, too! I am extremely thankful I get this invaluable information for free… like … what a time to be alive

[@Avel-u2o]

@@DUDUDISCH these kids don’t know how good they have it these days are now coming from our lips. When I was your age we didn’t have that internet it was aol dialup Yeah yeah grandma 😂😉

[@Leon-artistic_creator]

Yeah I am trying to educate my self late in life

[@bwingbwinggwiyomi]

I do know how good I have it because you millennials never shut up about that lmaoo the jealousy is blaringly obvious ​@@Avel-u2o

[@derriekwilliams7271]

@@Avel-u2o around the same age as you and yes lol

[@cippyjournals]

aside from financial literacy, i think i'd listen to a 60 minute video of your skincare routine cause girl your skin is glowing

[@trumanmblack4035]

I was about to comment how she also needs to drop that routine 😭

[@milly6018]

LOL

[@Adeline9418]

Her face is greasy. What glow??,😂

[@shifter1089]

Genetics, diet and she put something on that hasn't absorbed in yet leaving her skin shiny

[@lillyofthevalley8547]

Right? Was she born right before making this video? Because her skin doesn't know the hardships of this cruel, cold world.

[@RonaldSimonKahn]

Financial literacy is key to building wealth! Here’s a simple breakdown: 1. Understand your income sources. 2. Create a budget to track spending. 3. Differentiate needs vs. wants. 4. Save regularly. 5. Build an emergency fund. 6. Know your expenses. 7. Cut unnecessary costs. 8. Track your spending. 9. Learn how credit works. 10. Check your credit score. 11. Pay bills on time. 12. Minimize high-interest debt. 13. Understand interest rates. 14. Avoid bad debt. 15. Plan for retirement. 16. Start investing early. 17. Diversify investments. 18. Understand risk and return. 19. Learn about taxes. 20. Start building an investment portfolio. 21. Monitor your net worth. 22. Protect assets with insurance. 23. Live below your means. 24. Automate savings and payments. 25. Set financial goals. 26. Review and adjust your budget regularly. 27. Understand financial statements. 28. Build multiple income streams. 29. Learn about financial products (loans, mortgages). 30. Continuously educate yourself to make smarter money decisions. It all starts with understanding the basics and building on that knowledge!

[@SandeepChetia]

👍🙏🏽

[@basedbyway2]

Thx 🎓❤

[@Acesix06]

As a 18 y'ol I'm grateful, it was extremely informative without getting overwhelming.

[@livewithashley]

i’m 18 too and i can’t wait to learn from this!

[@Acesix06]

@@livewithashley good luck for the future!!

[@katelynholmes9504]

I finished this course! It's a really good one. Thank you, Tina!

[@cartoonchan182]

Now u gotta make a video and reduce this 62 mins video to 10 mins video... Also thanks Tina

[@cade4746]

How you finished this course in 43 - 44 min of been uploaded while the vid is 63 min long?

[@katelynholmes9504]

@cade4746 It’s been online for a few years, and in its newest form for a few months! Dude, I never said I finished it with her upload xD I thanked her because it’s a great class and it’s good that she’s providing some of it for people.

[@katelynholmes9504]

@@cade4746 This course has been up for years, and in its newest form in the last few months! I just said I finished it, never said I finished it after she uploaded it lol

[@katelynholmes9504]

I thanked her because it's a pretty good course, and definitely one everyone should watch before making big financial decisions.

[@sigmundbalmung]

Bruh, I wish rent was $800 a month. It was that cost for a 3 bedroom house rental when I was a kid. Now, people are posting mini storage sheds as 1 bedroom efficiency rentals for $1200 a month. That is the cheapest rentals in the central Florida area.

[@fashiontrend3289]

It's the same in my country, but the minimum wage is about $1400, so you have up to $200 to pay the bills, food, and transport. (Of course, I'm not converting the currency because it wouldn't make sense to convert, but if that were the case it would be a rent of $195,23 for a minimum wage of $227,77...)

[@vanifarron]

For real, it’s at least $900 to rent a safe room with roommates where I live.

[@johnny5941]

@@vanifarron How feasible or how much risk can you handle in a bad room with strangers

[@DarknessFalls29]

​@johnny5941 That part! I'd rather work 3 jobs than have a roommate again. The few I had weren't bad per se, but the entitlement attitude and disagreements were enough for me to say never again.

[@vanifarron]

@@johnny5941 Good question, but it's not an option. $900 is the minimum for a room. Anything less means living in a very dangerous area here which I have done before or sharing a room with a stranger, which I will never do again haha. And as a working student, affording a more expensive place simply is not possible in this economy unless you manage to land a good job.

[@bwingbwinggwiyomi]

My ADHD brain is crying from the lack of motivation to want to watch this video all of the way through. But considering my finances and impulsive spending habits, and being in my early 20s now and wanting to move out of my abusive narcissist mother's hoarder apartment. I know this video is going to be super useful and educational for me. I've always just wanted a free crash course of someone teaching me about Finances 101 essentially without me studying an actual degree for it.

[@ikkeheltvanlig]

Afaik, with ADHD your brain is extremely good at acting on immediate feedback, maybe there are tools and tips for us to transform this information into a system that provides immediate reward and punishment. Hit me up if you know of anything like that

[@surfingcipher1059]

mid so what you're saying u want the knowledge but not put in the effort. making excuses isn't good for yourself.

[@shondalesstudio]

I have found that, in some things, if you listen to or do something for a certain amount of minutes at a time, works best. Way more helpful, then trying to do it all at once. Yes it will take longer, but it will get done. AND, you won't feel bad about not completing it right away, because the plan was not to complete it, all at once! Keeps up morale and still, eventually, gets the job done. ❤ Hope this is useful.

[@ladycobrana852]

@@surfingcipher1059not how adhd works also why do you think this creator made this video. She did to help people that might not be able to go through the course themselves, whatever the reason it may be. Literally cut down the content of the course into something quicker so they don’t have to put as much effort. They aren’t complaining, just stating because they brain doesn’t work like the rest of population, this form of content might be challenging but they will still put in effort to get themselves out of their situation. That sounds like the opposite of being lazy. Cope harder bro.

[@JoshuaOReilly]

I highly suggest ynab if you have adhd. It makes budgeting a lot more manageable.

[@odysseusdadon1234]

Actually planned to learn financial literacy this year and this came right on time. thanks and happy new year to you all

[@Lavaboy1738]

KZbin needs to pay you more. Happy New Year Tina.

[@TinaHuang1]

Aww I do try hard so it feels so nice to be appreciated 💜🤗 Happy new year 🎊🎆🎈

[@TinaHuang1]

Happy new year friends!!! 🎉 let’s kick off this year by becoming financially literate 💪🤗💜

[@Sem77999]

Happy New Year 🎊🎉Tina!!

[@karma1507]

Happy new year. Thank you for your help.

[@lsalazar9140]

thank you for this insight ❤

[@Shiibai]

2025 is going to be life-changing. Books like Lost Scrolls of Jewish Wealth showed me how to take control of my future-it’s a must-read.

[@lazart3402]

great read bro

[@marionk7915]

Please share the author

[@djibrinemansiya2379]

HEY please how can i have it as a pdf

[@viridianite]

23:09 1. The 50/30/20 rule dictates what percentage of your income (after taxes) should go into needs, wants and savings. 2. My money personality is an investor but realistically I'm more of a saver all things considered. 3. A short term smart financial goal that I have is paying off my credit card debt.

[@Menaaababyyy]

Aside from financial literacy I would love to know more about your skincare routine. YOU ARE GLOWING!!!!

[@flourishwithzel]

This made me realize I still don’t have really clear financial goals and action steps this year. Really reaaaally need more discipline in this area. Also, you have such great skin!

[@Emmy_pathy]

1. It means that 50% is for the basic necessary needs (rent, transportation, phone…) 2. 30% is for the things that helps me to enjoy life. 3. 20% is for investment! 2. My money personality : Balancer 3. My short term financial goal is to work summer /100days/ and will save up :15000$ to my saving account which I already bought a bond.

[@TinaHuang1]

So proud!! 🤗

[@MiracleManGaming]

​@@TinaHuang1how to change this with existing debt

[@viridianite]

Highly informational video, Tina. Thanks a lot! To others: If you search the Financial Literacy course on Khan Academy, you can take the course challenge. I did and scored 21/30; I failed some questions such as specific tax forms and calculations as well as some that weren't covered in this video such as guardianship. Overall I think Tina did an excellent job at summarizing the course.

[@psych_shock4370]

I’m not sure what it is, but your videos always pique my interest. There aren’t many videos I can say I consistently click on the moment I see them. I almost always gain valuable information while genuinely enjoying the learning experience. Keep up the great content-I look forward to seeing more!

[@marlonl5674]

I mean..she is beautiful 😅

[@rmist]

I highly recommend putting this video into sections through youtube’s chapters feature! Great video though!

[@shreyluvs]

40:35 investment course YES PLEASE!!!!

[@ShriDuo]

hiii

[@SareBear2000]

Yeee

[@tinongnjong1305]

I'm not sure if I said Thank You earlier, but I want to thank you for all this knowledge that you put together in 63 minutes. I really needed it for someone my age, and I also really really appreciate your effort in putting this all together.

[@JustTheFacts530]

lol i love how you say "Mig-well" at first but then went ahead and say Miguel correctly right afterwards twice...great vid!

[@TinaHuang1]

LOL I try

[@joaniechung.mp4]

came here to learn financial literacy but off topic.... omg girl what is your skin routine? you are glowing!!!!

[@nlman0]

I literally started this course the other day haha Thank you for going through all the time and effort to put this together - you've saved us a lot of time!

[@ArjinSamurai]

Thank you so much for this video! I've been trying hard to start my business and don't have any income right now besides some gov money. I saw this video pop up a few times and today decided to search up financial literacy to better myself so I can handle new money when it comes, and this video popped up first as I was hoping for. I am so grateful for the work you put in, and I wish you all the success on your journey! ❤

[@heykeisha]

3:53 For the 50/30/20 budget, we want our money to work for us! I agree on looking to cut down needs, but with the cost of living sometimes it’s not easy. I’d look at your wants to see where you could cut down on spending. In the example - eating out $460 and fancy clothes $200, both are in your control! Did you need to buy fancy clothes? Are you only wearing it once and it stays in your closet? If you’ve got a busy schedule, meal prep is an easy way to eat meals from home

[@ayy-17-p9p]

Subscribed, cause 109 pages of notes is craazzyyy, i love your explanation gurl ❤

[@Helen-100]

your skin care routine? 💘😭😭

[@gissellemendez8390]

Please 😂

[@369kjo]

Yesss!!! I was thinking the same thing!!! Intelligent with amazing skin 🤩!!!

[@Helen-100]

@@369kjo yeah 😭

[@jereflechis4014]

😂

[@Liz19993]

I’m here wondering the same

[@angelvargas4459]

This was definitely a must video for me ! Thank you so much !

[@ShivamSharma-5622]

Happy new year, gonna watch this in a few hours. So excited. Thank you fot all the work that you do!

[@caffeinat3dd]

Wow. Usually I can't pay attention for that long, but I stayed for the whole hour. Thanks for such an informative session in just 1 hr.

[@rockroden]

Please do the investing course. I wanna get into it

[@cel.este933]

I haven't started watching the video (I'll come back to it when I have free time) but I LOVE that ypu included "tests" throughout the video. It actually makes me look forward to watching it. Thanks!! Be right back 💗

[@WealthyChronicle]

I'm definitely that person who's too cautious with money and misses out on opportunities! 😅 Thanks for pointing that out, time to make a change!

[@TinaHuang1]

Me too!! Let’s both work on being more open to opportunities 🤗

[@isabelle7029]

I missed out on so many family trips and fun experiences because I was so scared of going even $1 over my budget

[@xxEmmeline.Laurier]

THANK YOU SO MUCH ❤❤❤❤ Love this video! So freaking helpful!!! Genuinely thank you Tina 🙏

[@mekaito]

it took me 2 days to finish this video. absolute cinema.

[@joeportland559]

On the test I got 16pts. Answers B, D, B, D, B. But to be fair I know I'm not too financially intelligent. I literally saved my money for 3-4yrs, ran into the pandemic while unemployed and lost all of it taking care of myself. Now I'm poor, not even making minimal wage, looking for my next job while discovering being a veteran means nothing lol. I have a bad attitude lately because of it (sad face). All that aside I can save no problem. I know how to save, but I didn't know how to go about spending it in a productive way for myself during tragedy. I didn't know how to plan beyond that or who to trust when planning ahead.

[@ryanpc4039]

I know how you feel, job searching is hard but good luck

[@Strawberryshorts3]

Honestly, speaking, this video was so informational and entertaining. The way you broke things down explain things truly made me want to continue on learning and getting more knowledge about finance especially with my future. I definitely enjoy it watching the video and can’t wait to see what comes next:)

[@adithya2268]

Thank you, it was a good overview of the course! Now I want to learn more about these areas and really want to do the course. Your videos are awesome, very easy to understand and learn from.

[@theraynealchemist]

Excellent course and informative for someone whos been working for a while now but still struggles with financial literacy. I love having action steps to follow as well so many thanks ❤

[@hoaiphuong6319]

This video really opened my mind about financial literacy. Thank you so much and wish you a happy new year :')

[@myownsaint4485]

This video is so necessary 🤍I’ve been hoping to see more Nigerian video essayists. looking forward to more of your videos.

[@curwinjulius137]

Damn is she made from porceline?? That face is WAY too perfect

[@Myrawunfilteredlife]

This came at the right time. Thank you ❤

[@ParyoshGholamrezaei]

I'm glad you made this video, it reminds me of my transformation from a nobody to good home, $89k biweekly and a good daughter full of love..

[@jassicacraig765]

Please how ? Am a born Christian and sometimes I feel so down 😭 of myself because of low finance but I still believe God😞

[@ParyoshGholamrezaei]

It's Elizabeth Ann Hanson doing she's changed my life. A BROKER- like her is what you need.

[@jassicacraig765]

$356K monthly is something you should feel differently about..

[@ParyoshGholamrezaei]

Lovely! I enjoyed it like I enjoy a $100k monthly around the turn!!!

[@vanthanhtruong3891]

I know that woman (Elizabeth Ann Hanson) If you were born and raised in new York you'd know too, she's my family's Broker for 3yrs till now and a very good one if you asked me. No doubt she is the one that helped you get where you are!!!!

[@marlonkastillo9276]

29:15 Well in response of that question, i personally live in El Salvador, im 20 years old and basically have no income, Im looking for a Job since ive finished University and these terms really scare me, but now i see the true meaning behind them and this course has been a blessing! thank you so much.

[@amilahhhhh]

omg i need your skincare routine !!!!

[@viridianite]

01:01:01 Self-assessment 1. An effective way to evaluate a school/major/job is reaching out to people who have been there in order to assess both the return in investment and the opportunity cost of going there. 2. A flat tax (e.g., sales tax) is a tax applied to products and transactions at the same for everyone. For example, the same tax rate is applied to supermarket products regardless of who buys them. On the other hand, a progressive tax is an income-based tax, meaning the tax rate applied is proportional to income, i.e., higher earners pay a higher tax rate. 3. You're paying a 1% interest rate.

[@Colebp44]

1:55 anyone else get a little glitch

[@kdizzy07]

The forbidden word: mortgage 🤐

[@isabelszatkowski8824]

yessss sus

[@anzowatanabe702]

I watched until 23:14, then i stopped the video. I'm 18 now, and i wanna start taking responsability for my life! I'm grateful that my phone is useful other than Instagram and Tiktok. And i'm even more grateful for the advices you gave me! I want to start making my life mine, and start to work for my happiness! I will watch the second part (so after 23:14) when i grown a bit older ! Thank you very much! ❤😊

[@aloher4302]

Starting my year with this is 🔥🔥🔥

[@gissellemendez8390]

Your skin is glowing! ❤

[@josee.1709]

I honestly love your videos. They have the necessary depth to allow you to learn and understand unknown topics, while not being technical enough that you need to stop multitasking to focus solely on the video. Thanks!

[@RawAndRealGirl]

Soo No one is gonna talk abt her skinnn??!! gurlllll u r glowingggg🩷😭😭✨️slaaayy

[@Marvelous_artifacts]

Lowkey waiting for someone to ask for the routine 😂

[@SareBear2000]

Yee first thing I noticed when I clicked on the video, I was like I might be distracted by her skin the whole time 🤣

[@akamaagnes7254]

She's sooooo good❤❤❤❤

[@ikkeheltvanlig]

This is the best video of its kind I've seen so far

[@arvinsenglishph2293]

Finally I can watch how smart you are teaching us about something you have perspecacious or expert in.

[@agustami956]

Thank you for taking the time to explain

[@exchangeofwisdom8475]

15:30 - Money Personality Test 20:38 - financial Plan #time tags 4 myself

[@Viyoomlíne]

My job introduced me to khan. I didn’t get to complete the course but I will go back to it

[@tonysilke]

Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?

[@Nernst96]

Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run.

[@PatrickLloyd-]

Hey, respect for stacking that $78k! But YOLO-ing into crypto might not be the move, bro. Markets are wild right now. I was in your shoes and got a financial advisor who showed me how not to gamble my savings away. Best decision I made-seriously, look into it before diving in.

[@tonysilke]

@@PatrickLloyd- Man, I feel this so hard! I’ve got cash ready but no clue where to start or how to find a solid financial advisor. Seems like everyone’s either trying to sell you a course. Any advice for finding someone legit?

[@PatrickLloyd-]

I've stuck with SOPHIE LYNN CARRABUS since the pandemic, and her performance has been consistently impressive. She’s quite known in her field with over two decades of experience, simply look her up.

[@Ji-Min-j7b]

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.

[@victoriavazquez5636]

I haven't been able to find something so great and complete like this video in my native language, thank you!

[@cokecan6169]

50 30 20 is insane considering that rent + food can now cost upwards of 80 percent of a paycheck

[@oozybooze]

i can’t believe this is free 😭 (ily and thank you from the bottom of my heart ❤️)

[@ROLOGamingOfficial]

The best thing you can do with credit cards is to use them in conjunction with your budget, pay everything with credit cards for cash or points/miles, but pay them off before a new statement cycle begins, and never carry a balance.

[@TravisGarnett]

Thank-you for all of your time and efforts into making this video a reality, Tina! 👏🙂

[@delyseonduty]

Wow girl your skin is perfection 😍

[@soniakim9089]

First time watching your content and you got a new subscriber. Thank you so much for the time and effort you put into this video. It was so informative and interesting ❤

[@MarkHayes-d6i]

Your videos are so helpful but ive got a question. With the way the countries around the world are falling into debt and financial crisis, how will the security of or in retirement help the aged? I am in my 50's and the idea of retirement still looks unclear to me (understand also that having money but not having a retirement money set aside is different). What can i do as a first timer in this topic? i have a 401k account but i must confess, i am a novice to this. Help out with suggestions if any.

[@EricMilley]

The first and foremost step is to stay diversified, keeping a balanced risk. Put a portion in HYSA(5-10%), index funds and annuity. That’s exactly what took my reserve to over a million dollars. Most importantly, get the services of a fiduciary. 🎉

[@AnneLowenthal-l5f]

I totally agree with you on this regard, I make sure to keep my portfolios diversified, mitigating risks and maximizing profits.👌

[@MarkHayes-d6i]

@@EricMilley hello milley, I appreciate your response. Do you have any recommendation? An experienced fiduciary I mean. I await your response.

[@EricMilley]

@@MarkHayes-d6i Great! her name is Katherine Ann McGrath

[@EricMilley]

She thoroughly changed my perspective on Fin-management. She helped me shift from short-term fixes to a long-term strategy. Over 8 months, my portfolio grew by $1m because I stayed invested and adjusted

[@alinajahmusic]

this was so helpful, thank you for dedicating time to sharing this knowledge.

[@psych_shock4370]

The 50/30/20 rule is a method used to save money. 50 being for your need expenses, 30 being for want expenses, and 20 being your savings. My money personality was saver, and it's definitely true. I can be a bit of a spender when it comes to things that I need, but when things get tough, and even in regular situations I always have a second brain prioritizing to save. I also get scared to spend to go out and enjoy and reward myself. I only spend on things that I truly need. I'm sort of a minimalist. I want to save up said 'blah' dollars this semester . The goal is specific because I specified the amount and it's what I want to achieve (well in my head). It's measurable because it implies that I have a job that allows me to save enough money. It's achievable I've done it before, and I live in my parents' house, so I don't have to put a percentage of my money into rent and stuff. It's probably not that realistic because I would probably have to only save but who cares (saver personality is showing lol). Well, it's time bound because it needs to be done in a semester.

[@TinaHuang1]

Lets do it 👏👏👏

[@psych_shock4370]

What's Installment credit vs Revolving Credit? Installment credit is basically you get a certain amount of money and you have to pay it back in a certain amount of time. Revolving credit has a credit limit, and you can borrow and repay, but you need to make sure it's in that range. What's a deductible? A deductible is the portion of cost you have to pay with insurance before insurance kicks in. What's the 4-step framework for the money you save? I will try my best to remember I think it was creating a budget, savings goal, write out smart goals, and then if you invest in various things because you don't want to bank on one thing.

[@psych_shock4370]

Tbh first question I don't know. Flat tax is tax that's given to everyone same price. Progressive tax differs on your income. 6% - 5% = 1% This shows the real purchasing power of your investment since inflation increases the cost of things over time.

[@CaribbeanMuva]

I LOVE that I came across this channel ❤❤❤ cautious saver here👋🏾

[@Hrishiallrounder]

for myself 0:00 Intro 0:39 Course Structure 2:01 Unit 1: Budgeting/Saving 8:43 Unit 2: Consumer Credit 15:23 Money Personality Quiz (important for next unit) 18:04 Unit 3: Financial Goals 23:16 Unit 4: Loans And Debt 29:57 Unit 5: Insurance 33:43 Unit 6: Investments And Retirement 42:51 Unit 7: Scams 45:30 (Unit 9+11 combined) Careers, Education, and Employment 49:08 Unit 10: Taxes 51:31 Unit 11: Banking 56:51 Unit 12: Car Buying 57:21 Unit 13: Housing 1:00:24 Outro

[@sophiependragon2467]

You’re such a good teacher, thank you for this free video ❤

[@Gitohandro]

I wish this applied to Kenya... A lot of it is US specific

[@daniellakay5182]

I know what you mean, like.. hii haiwezi hapa... Still, there's so much to do here. I just wish apa home we'd have stuff like index funds, etc...

[@marthamwangi1699]

Wow this is a wake up call for me❤❤.Amazing keeping doing better

[@ruzanshrestha1726]

Great, the 50 30 20 rule sounds very good for an adult. But I'm currently studying for my bachelor's degree and I need to pay 12k every 6 months also sustaining myself and living independently in Sydney. My fortnightly income is 2500 what do I do? How do I tweak the 50:30:20 rule? Do I put my education in my needs or savings?

[@dianaespinoza6070]

I have searched and hoped for a video like this to pop up into the universe. Thank you for taking the time to share and explain all of this knowledge. This information is all so important and unfortunately wasn’t taught in school as it probably should be. You are awesome, please keep it up. Sharing this videos with all my gal pals

[@Chang-RaeLee]

The best way to save money is invest it according to a book I read " The richest man in Babylon " Planning on putting 45K into dividend yielding stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks?

[@AiniMalik-d4w]

As someone new to the stock market, it's essential for you to have a mentor, someone who is a professional with proven track records to keep you accountable. Emily Jean Ferrin is my trade analyst, she has guided me to identify major market trends, provided risk assessments etc ensuring my decision aligns with my trading span wether for a long term or a short term.

[@AiniMalik-d4w]

I managed to grow a nest egg of around 20k to over 61k. I'm especially grateful to my guild for her expertise and exposure to different areas of the market

[@RanveerSingh-s7g]

Access to timely information differentiate successful traders from unsuccessful ones. The expertise of Emily Jean Ferrin has turned me from a trader driven by fear and greed into a profitable trader today. She is a professional in both cryptocurrency and stocks and I highly recommend her.

[@GilbertEsguerra-o4k]

How would you suggest I enter the cryptocurrency market? I’m also considering studying some successful traders and copying their strategies instead of investing myself and risking emotional losses. What are your thoughts on this approach? If you don’t mind, how can I reach out to her?

[@RanveerSingh-s7g]

I'm not a trade expert as a matter of fact I'm still learning. A simple search of her full name online will take you to her website. I'd appreciate if you use my cod DL240i during registration

[@kachagibbs6243]

This was AWESOME Tina!

[@ivarlast2966]

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

[@ivarlast2966]

Making over 48k monthly is all because of her.

[@jasperflontes4289]

I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.

[@fred5528]

I know Larysa Caba. she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.

[@bigelbow4854]

I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.

[@militaryorderly5386]

I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.

[@StinkyCato352]

your skin is AMAZING!!!!!!!!!! just like a doll❤

[@vedant_stone]

Is most of it according to the US laws? I mean, can people from other countries watch this video?

[@TinaHuang1]

The video itself is a bit US centric in terms of specific forms and laws but I tried my best to focus on the widely applicable frameworks and concepts. For specific names you can just use chatgpt to ask your country’s equivalent to dig deeper 😊

[@ancientbloodlineoflight]

15pts, but obstacles usually pop up where I’d have to spend to take care of them, so it’s hard to save.

[@DianeKKnutson]

$75k biweekly changed my mindset and behavior, my goals, my family and l've to say this video has inspired me a lot!!!!

[@MitchellRaymond-r1o]

I'm feeling motivated could you share some details about the biweekly topic you brought up?

[@DianeKKnutson]

I raised $75k and Matthew D Heck is to be thanked. I got my self my dream car just last weekend, My journey with him started after my best friend came back from New York and saw me suffering in debt then told me about him and how to change my life through him. Mr Matthew is the kind of person one needs in his or her life! I got a home, a good business, and a beautiful daughter. Note!:: this is not a promotion but me trying to make a point that no matter what happens, always have faith and keep living!!

[@LadyAnn-m2p]

Oh yeah! Thanks, been looking on way to get his contact. I’m happy i came across this now … how can I reach him

[@GarryMayfar]

Wow I know him too Matthew Heck is a remarkable individual whom has brought immense positivity and inspiration into my life.

[@DianeKKnutson]

Can't share much here. I'd suggest you research him further on the web.

[@saki6769]

This video come out of nowhere and now I'm watching, Thanks! ❤

[@aleishabryant]

*Happy New Year🎉🥳🎊* *I'm favoured only God knows how much I praise Him,* $230k every 4weeks! | now have a big mansion and can now afford anything and also support God's work and the church.

[@aleishabryant]

Only God knows how much grateful i am. After so much struggles I now own a new house and my family is happy once again everything is finally falling into place!!

[@ButlerBrown-b3f]

Wow that's huge, how do you make that much monthly?.. I have been looking for ways to be successful, please how??

[@aleishabryant]

It's Ms. Evelyn Vera doing, she's changed my life.

[@aleishabryant]

I started pretty low, though, $5000 thereabouts. The return came massive. Joey is in school doing well, telling me of new friends he's meeting in school. Thank you Evelyn Vera, you're a miracle.

[@JuneGriffiths11]

Wow...I know her too she is a licensed broker and a FINRA agent she is popular in US and Canada she is really amazing woman with good skills and experience.

[@gigihumen]

Thank you soooo much for this valuable life saving info . It’s such a privilege to have this information available compared to these ebooks & courses ! BLESS YOU 🫂

[@erikainiguez2958]

very true I had a brain tumor and was out of work for 4 months & I felt relieved knowing that money was not going to be an issue nor my job

[@XxDaHuJlbl4xX]

Financial literacy from a person who doesn’t know how to round minutes properly 🌚

[@maylee9253]

Thank you! This was so helpful to me. I’m new to finance!

[@biolj]

Thank you finance baddie this was very digestible

[@livingworkingoutsidebox]

Great video as a podcast. Full of information. Listened while running errands

[@secretscarlet8249]

Thanks for this vid! I shall take this course because I’ve been banging my head on my finances. I’m not in deep debt but I feel like I’m not secure, which essentially means I’m lost. So I want to orient myself and do better this year! 💪

[@adgagaegfy345]

please keep summarizing what you learn!! !

[@milosharkboy]

for people looking to budget on groceries, dollar stores like dollar general have some great options for meals

[@BrettChapmanH]

Tina thx for delivering great high quality understanding, condensin months and weeks into days and hours. magnificent job

[@elizabethmorales9469]

Tina thank you very much!!!! greetings from Peru!

[@alexandDerjohnson]

WOW! Amazing project just saw the road map. I am in it for the presale 🌟🌟