Fixing My Subscribers’ Finances

I’ve helped millions of people fix their money and in this video, I’ll look over 3 different couples’ finances - and show you exactly what I would do to fix them.
THIS VIDEO IS BROUGHT TO YOU BY
➡️ DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off
LINKS MENTIONED IN THIS VIDEO
💸 Conscious Spending Template: iwt.com/csp-youtube
Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich”
Find Ramit on Instagram: / ramit
Subscribe so you don’t miss any of Ramit’s videos: / ramitsethi

[@douglasbaker]

I would like to see more content for a single person that’s not in a relationship.

[@spf_500]

I think single people just don't apply as much as married couples but I would love to see this too

[@Playingwithproxies]

With no other person to agree on what’s important you are the sole person that determines where you money goes. Break your own self fulfilling prophecy or stories about money if you want to grow. 😂

[@leedsdrumacademy]

He only does couples

[@woboznz]

Ramit has said in comments on this channel many times that his focus is just on couples. I'm single myself and I'd love to see singles too, given we're more than 30% of the population and actually it's much harder to survive in tgis world financially on your own especially as a woman with gender pay gaps etc

[@jjh00]

Get a girlfriend dude.

[@kenreliableb18b]

I like the concept of reviewing multiple CSPs in one video. More please!

[@StayPuft209]

Agreed this actually makes for a good mini series! Kinda like the cnbc millenial money series.

[@dkayok]

I had 2 kids in my mid-late 30s. I had a good job at the time and saved up $5000-7,000 for each kid & invested it in treasury bonds because I didn't know much about investing at the time & it was a safe thing. I did this before each was 1 year old. By the time they were ready for college, each had $30,000+. During those years, I became a single mom, had very low income, etc. and never was able to add to that. But doing that one thing was a huge help to them when they needed it.

[@motavice3499]

You did great with what you could because it came from your heart. I'm sure your kids will appreciate it

[@LarisaC.]

🎉

[@user-rq5gb9uc9g]

Wow that's amazing. Hope you the best.

[@catsnpops6797]

I love this format! Lets keep it going!

[@andimarj-]

I like too, thanks!

[@jessicabergner3356]

Same!!!!

[@TonyCox1351]

Agreed. Good content

[@SaveNStuffwStephanie]

Same

[@AveriesMiranda]

I agree! I’d love to see more of these

[@VanAlh]

This format is a keeper❤

[@tessjune88]

Totally!!!

[@MilaN-lt2mq]

You are the only person, who recommends people who can should spend a little instead of living on nothing and saving everything. Very refreshing take on finances. I love it.

[@ramitsethi]

Thank you

[@Lazirus951]

Yea, some finance people out there seem to focus on investing every single penny and it's like "for what?" Can't take the money with you when you're gone.

[@Quincyq15]

You should do more of these

[@ghjong001]

I really enjoyed seeing couple #3's finances. It's so easy to focus on the negatives, and the various pathologies people have about money; I'd love to see a deeper dive with people who seem to have figured it out, or mostly figured out. I suspect they might have been saving for a home in a VHCOL city, and over time, realized that they had no problems with renting, and still enjoyed life even with their high savings rate. $1.2k/month on travel is $14k/year - that's still an incredibly generous travel budget. So is the $1k/month guilt-free spending. I don't think they're missing out, or even afraid; I think they just realized they're perfectly happy where they are, and don't see the need to expand their lifestyle.

[@bgoode652]

I can relate to #3 with a little less income. I think you're right. I'm not afraid to spend money, just don't throw it away just for the sake of throwing it away.

[@hazeldavis3176]

I love this format because it side-steps that whole reality TV/freak show aspect that can happen with personal finance reviews. I think the knowledge you bring to the table is strong enough to make this format profitable without relying on gimmicks like some other content creators.

[@jessitabonita]

I TOTALLY agree! I had to unsubscribe from those rage-bait content creators _cough calebhammer cough_ because the disrespectful titles and thumbnails outweigh the actual content.

[@Lazirus951]

@@jessitabonita Same here! I abandoned his content last month because I could no longer ignore how unproductive and exploitative the content was.

[@chloecrawford5426]

Any recs on channels to check out? The clickbaity stuff is irritating me, but I would love more reasonable assessments.

[@kennethbland5577]

​@jessitabonita I started watching his content but have never (and probably wont) subscribe because the thought of people seeing I've subscribed is embarrassing😂 the thumbnails feel so stupid and exploitative, and like he doesn't have enough faith in the content not to fall into cheap 2012 thumbnail gimmicks.

[@jurgitab3100]

I actually like listening to couples and hear some BS I use myself and reflect on it. Money is not just counting, its emotional.

[@busam1578]

Please do this every week! It would be awesome

[@Mister6]

I definitely understand your comments regarding the last couple. My inlaws built a portfolio worth ~$5m while living on basic staples, rarely going out and never travelling. My FiL passed away about 6 years ago and I know he had regrets, My MiL is 90 in a nursing home and always complaining that she's never gone anywhere or done anything. Sure my family and by BiL's will benefit but we would have been much happier if they had left us less and enjoyed life a bit

[@Lazirus951]

Same thing happened with some of my relatives. The spouse was understandably angry when she realized how much money her husband actually had when he passed because he never took her on trips and they always drove used cars.

[@woboznz]

Single women could do with your help & guidance Ramit! 🙏 just a suggestion for future content from a self employed single girl

[@mhodge0890]

Couple 3 is killing it. I want to be them 😩😩

[@dianabinkowski3927]

This makes me feel very well. I am 75 and have total gross income of about 85k a year. That's from a pension, social security and VA income. My fixed expenses are $1600 a month. No credit card debt, no car payment. I have savings of 106k and add $2k every month. I love watching you and realize how good I am doing.

[@ianwerkheiser1292]

Given how secure your income is and your age, I think Ramit might tell you to save less and spend more. Go on trips, or do whatever you want!

[@irenekanel.ac.7721]

Make sure you are living your Rich Life now.

[@busam1578]

It doesn’t sound like you are living a rich life, sounds like you are the save everything til you die type. I hope you find time to enjoy the time you have left.

[@lunatiger]

Maybe they want to leave something for family? I think you’re doing great. With 85k guaranteed income you can still save 2k at your rate and enjoy yourself. Just be sure to enjoy some of it and not save it all. ❤

[@LucyPooh777]

Great job on ensuring you’re secure financially at this stage of your life. I agree with some of the commenters here, Ramit would probably ask, how do you live your “rich life” and not just keep your $?

[@JoJo-ie8sl]

800 groceries for a family of 4 in cali sounds like theyre being dilligent

[@JenniferBrooks-eq3rn]

Yep. South Texas here. Very low cost of living, family of five and we couldn’t make it through the month on $600 for groceries. Just upped it to $800. And even with that upgrade, I still plan meals, read the circular, clip coupons every week for over an hour, to make that budget work. But I’m a SAHM, so I have the time. I would say $800 in California is very diligent. I was in a Newport Beach grocery store a couple years ago and yeah, God bless y’all paying those prices.

[@dcg590]

Or lying

[@Mister6]

As a viewer of your channel who has gotten over the "hump" of moving from paycheck to paycheck I can definitely say it is possible. We went from barely making ends meet in our late 30s to be comfortably on the stretch where we can choose to retire and my wife and I are both 52 now (with 2 teenagers at home). That's despite our incomes not significantly increasing in the last 15 years. We changed our spending habits using rules similar to what you promote. We also learned that once it became reflexive to save/invest the right amount, we were able to maintain a similar lifestyle to where we were before we started being smart with money. We're now at a point where our retirement is assured when we choose to stop working (likely mid-60s) and are more focussed on looking after our kids and future grandkids. I wish I had known these strategies in my 20s as things would be much better today but even starting to be smart with money at around 40 had a major impact on our lives in only a decade. That shows while it's always better to start earlier with good money strategies, it's never too late to start

[@Gpchv25]

I'm interested in Ramit's take on the love yourself first principle (which I completely agree with!!) when the people you are trying to take care of are not kids but aging parents. For many of us first gen immigrants our parents are in a vulnerable position back home (didn't have investments, some don't own a house or anything else, unable to retire or very poor pensions etc). I feel like I am my parents' retirement. I allocate a monthly amount for them that suspect will only increase with time - my promise to myself is that I won't get into debt to help them but it drastically reduces my ability to invest (I do it but very minimal). Financially supporting my parents is a priority for me and the case is the opposite - they don't have time like children do! Any words of wisdom?!

[@busam1578]

Just be careful, you don’t want to put your children in the same situation you are in down the line. It’s a delicate balance, and I share all your fears for my situation as well.

[@LucyPooh777]

Excellent comment! As I’m sure a lot of us first gen immigrants are in the same position as you are, wondering the same thing. Although Ramit might say helping our parents financially could be part of our goal to lead a “rich life” but balancing it without leaving us financially stricken in our own life is the most challenging part. Plus as immigrants, we’re almost expected to do this type of parental assist.

[@Sandie_J]

Yes great question. I’m in the same position.

[@IAmebAdger]

It's hard, but there are lots of efficiencies you can make, like advising them on how best to make use of the money, or sending them a variable amount based on how the stock market affected your portfolio this year and how their needs have changed this year.

[@gabygrand]

It makes no sense to use a 529 when youre in credit card debt. Credit card debt is 15-20% interest. 529 is gaining 5-10%. If youre in a 529 but in credit card debt, you are stealing money from yourself and your kids

[@frankpace5510]

The factory metaphor about continuing to always invest to avoid rusty machines inspired me! Thank you. So true.

[@VivComments]

Great analysis! My only comment is that for people like #3, besides vacations and coffee, you could suggest that they look at how they want to give back as part of their rich life.

[@mansipatel38]

I am so glad I found your channel. Learning more everyday and can’t wait to apply this asap! Also, I enjoyed this type of content as well as the couples financial breakdown sessions. Thanks, you are the goat 🙌🙌

[@msbtonify]

I love this format. This part is what I pay attention to on the podcasts. Seeing other people's CSP helps me with adjusting my own CSP and hearing Ramit's feedback also helps me adjust my CSP.

[@user-tv3dg8yg3h]

Love this! Love the visuals, the concise comments, and the targeted advice.

[@lesliedonovan8123]

I always take a little tidbit from each CSP analysis 😮. Keep doing this format!

[@sf3413]

I was shocked when I ran the buy vs rent in my area. All my life I heard buy a house, same with my husband. We've literally lost out on hundreds of thousands buying rather than renting and investing the difference over the past 16 years. Dang!!!

[@Airbus9960]

Great video. Will love to see more formats of this type of content.

[@ramitsethi]

More to come!

[@2passportsandpostcards]

Ramit, I loved this! The CSP is my favorite part of the conversations you have on your show, so keep going!

[@Algarinaruto]

Thank you so much for the intent behind presenting 3 CSPs from 3 stages early in life. From a young couple to a healthy financial team. Loved Ramit's analysis on their overall financial health and greats tips to apply to our CSP on a day to day. Forever grateful 🙏🏼

[@claireburkhart4094]

I like this format much better than the longer video interviews!

[@matthewwitte3832]

This is great! keep this format going forward, maybe add in their professions, goals, big wins, challenges, etc. Basically the highlights of three of your weekly guests with probably a lot less work to produce! Also, you could look at single individuals, students, low vs high cost of living locations, single parents, etc. the possibilities are endelss

[@casachenpo4370]

Great episode! Loved the multiple CSPs format and learned something different from each profile. Thanks Ramit for continuing to educate and inspire us to reach our own bigger rich life goals.

[@liliana3316]

I really enjoyed watching you analyze each of these couple’s income. Great content, thanks Ramit!

[@maxsck]

Love this format it's so good!!!!! We need more of this Ramit!!!!

[@marebear18373]

It’s great how much you can extrapolate based on the spending/saving patterns alone. Great video. Would love seeing more.

[@ToddVenable]

This is fantastic. Keep these types of content coming!

[@JewelsprideBengals]

Cell phones could be paid for by employers, depending on their jobs. Love this video format! 😊

[@aleksandramayevska6923]

My company offers it, but that would mean they owe all the data, all your personal stuff, etc.

[@buildingbuildercip8292]

I was given a phone allowance. I never had a cell phone bill in my life until I retired early last year. Last time I had a car payment, insurance, maintenance, gas was back in 1995. The company I worked for gave me all of those perks. Including a company credit card that I was able to charge all of my meals to, and cover some of my vacation costs on. I sometimes feel that I was crazy to walk away from that $300k a year salary.

[@charlottetttran]

Love this! Would love to see this as a monthly series! I think every week will be too much.

[@n64luke123]

I've watched a lot of your videos, as well as other fin auditor channels on here. While I appreciate all the behavioral and backstories to peoples personal finances, this format proves you can reach almost the same conclusions just looking at the numbers. I find this personally more interesting and digestible overall. Keep it up.

[@tpjames1312]

I enjoyed watching this so much! Looking forward to seeing more couples.

[@jeromehenry4484]

Love this financial podcast with just figures, not heavily centered on emotional issues. Hope to see more of these too! Would like to see a breakdown in "Insurance" category. Sometimes looks extremely low, especially for couples that own a home, 2 cars, have at least 1 child (usually more). A single person without children having only 3 months of emergency fund is okay, but a married couple with children need a minimum of 6 months emergency fund. If they have not built that up, then they really need to sign up for Short Term & Long Term Disability Insurances at their employment. Then it becomes OPTIONAL if they want to keep Short/Long Term Disability Insurances once they reach their Emergency Fund goal. (I personally kept them because I wanted an additional layer to tap BEFORE tapping actual Emergency Fund.) Term Life Insurance is even imperative for single people without children; get it while you're in 20's while you are still relatively healthy & can easily afford a large policy. (No, I 'm not an insurance agent, but was a caregiver for 16 years for 3 family members. It's rough! If I'm gone, then who takes care of family then? They must have funds from Life Insurance to pay for all the daily tasks I did for free.)

[@sabinaebay]

Looooved this !! Especially the last segment

[@amymadden1109]

Really love this video, it’s a great format and easy to understand.

[@tessjune88]

I love how you show that just because you make MORE money doesn’t mean you’ll know what to do with it. It’s a practice in how you build your life, finding balance and knowing what’s priority for yourself. The last CSP was fascinating and cool to see.

[@nananananessi]

I love this type of videos from you. Please make more like this!

[@AnthonyLeNguyen]

More segments of analyzing finances like this please!

[@melissablakely3394]

yes, this is a great format! love it

[@IAmebAdger]

This is great, keep this format in the mix

[@travelnurseadventures3225]

omg love this video--love seeing the numbers and seeing different people's spending and a solution to their Rich Life! Fav video!

[@markfiala6730]

I like this format. The main videos I sometime want more details on spending

[@brendamclean8447]

Once again, another awesome learning video! I love your content and the way you communicate your knowledge! I’m absolutely hooked on your channel, it’s so awesome to see you fixing mistakes for everyday people!

[@Zadnak1]

30 seconds in, and I already love the editing in this video. Great job video production team!

[@LarisaC.]

Agreed. Great editing.

[@MooreStationery]

Loved this. Would love to see more.

[@lindaanderson1016]

ABOUT HIGH FOOD COSTS: We invest in our health by buying pasture raised eggs, some fish, meat and fresh produce. Avoiding GMO / Round Up sprayed food. I shop 6 different stores for deals. Our food bill, in our 60s, is crazy high. Hundreds on a lower income. Almost nothing needs to go to medicine, although one is diabetic. Better to spend on salmon and berries we enjoy, than medicine.

[@dawnkoplitz1825]

First he tells a family of 4 to cut back on the $800/ month on groceries and the next couple spend $700 for the two of them. I think feeding four ppl on $800/ month is doing a good job on managing that expense.

[@IAmebAdger]

Yeah, but he changes his expectations for groceries depending on whether you have credit card debt or whether you are over the percentage limits in some area, etc. as he should

[@SunshineandSand88]

More of this!!!! So so good

[@toribasso2432]

Really great video Ramit! Enjoy it and I would love more of this content

[@Jupiter88844]

Do more of these videos too! I like them all 😊

[@bteplik]

I like both formats! This format leans more toward the practical side, while your work with couples leans more toward the emotional ties money has. Both are valid and necessary, and I've learned from both. That said, I'd also love to see more content for singles. As a single woman, it's actually been suggested to me a couple of times when I talk about finances that I should get married. Um. A Man is Not a Financial Plan. XD This might be too niche, but it would be awesome to see you interview/look at the CSP of a single person who owns a business (an LLC, not an S-corp). It would be super helpful to see how people handle those taxes.

[@arstorte]

I can appreciate Ramit not wanting to produce content for single women. Personally I love the niche on couples because the dynamic between two people is an added layer of complexity. As a fellow single woman, @bteplik, I've found both the Financial Feminist and Money Feels podcast to be a nice addition to Ramit in my weekly rotation. Both have a similar "rich life" philosophy to Ramit but may speak more directly to some of the content you mention you're seeking. Cheers!

[@bteplik]

@@arstorte Agreed on the couples dynamic! I’ve been learning a lot regardless. I just think it would be cool to have both perspectives: a couple trying to mesh and singles trying to figure it out before (or without) meshing. 😊 Ooh thanks for both of those suggestions! I’ll check them out! 🤩

[@girzime3]

I LOVE this format. Keep it going.

[@claudetterobinson67]

Much love for you Ramit!!! 💕

[@technojunkie123]

I love how you’re not afraid to call out people who save/invest too much! While that’s definitely an enviable position to be in it’s super important to use money to fund your version of a rich life rather than only your portfolio

[@buildingbuildercip8292]

I was couple 3 and now an older version of them. I was able to retire early as a multimillionaire. They’re definitely doing great.

[@srl0003]

Really enjoy this style of video. I’m definitely like the third couple who is aggressively investing. My goal is to retire early and also after being laid off during covid, I’ve gone into hyper saving mode knowing I could lose my job at any moment. Great video, thanks!

[@RiverasHotWheels]

@ 19:42 he’s right. I live in Los Angele. Some houses we saw last year ($720k - $780k) mortgage is $4,400 a month 💀 Our rent is a lot lower than that for the same size of house! Yes rent increases yearly and although we could buy a house, we chose to rent right now till it makes better sense later. We enjoy our guilt free spending 😁

[@johnwaller9399]

Love the video! Looking forward to future segments.

[@haileynichelle8343]

Loved this! Thank you

[@AaronHernandez-ko6rr]

Outside of the great analysis, you are hilarious. Was cracking up on some of the commentary

[@lscparks]

I like this concept. Keep it coming!

[@ad2094]

Envy aside, the last couple really validates what youve been saying about owning vs renting a home.

[@beepdotboop]

I am like #3 on your list and am saving towards early retirement. I also have really simple needs and honestly traveling isn't something I care too much about so it's easy for me to save. What am I afraid of? I don't want to work for someone else my entire life and would like quit and take the risk to run my own business full time so that's basically what I am accounting for now. That just sounds so exciting to me. According to my math, if the market stays consistent, I can do this in 4 years (or earlier if the side hustle takes off) at age 45. Can't freaking wait. I don't think being #3 always means there is something to fear

[@shlooganyah]

I love this format! Hope to see more

[@ross-smithfamily6317]

LOVE your channel, which I just discovered! ❤❤ In our area (not inner city or high crime), public transportation can be scary. Too often, you get to sit next to people on a bus who talk to themselves 🙉 or act like they fell into a vat of chemicals fresh out of a "special" lab. This is a huge reason *why people don't use public transportation here.*

[@mariadamore1963]

I'm gonna need a video of Ramit's truck rant!!! Food tracking is def a weakness of mine!

[@judijudijudiii]

I love this idea!! Great video Ramit!

[@elnoraabduqadir2297]

I love this video. Simple and straightforward.

[@ramitsethi]

Glad you like it! Thanks for watching

[@colour-play]

This was fun to watch!

[@JD_Lakad]

Great addition to review. Very applicable to us.

[@ExpansiveReviews]

Love this format! It’s a lot of fun to watch 😊

[@Financial_CleanUp]

Sure is! Nice to see how others are spending.

[@clarklowe5632]

The one thing I would say about guilt free spending is at some point if you make enough 20% is more money than can reasonably spent by some people separate from other budget items. I would say the vacation fund is some of the guilt free spending. Being able to not save for vacation but just decide to go to Hawaii or skiing in CO because there is a good deal on a spur of a moment is guilt free spending. Some grocery shopping can be guilt free spending say getting high end beef or caviar. Wine can be guilt free spending but be included in a large grocery budget.

[@ohasumirawr]

This definitely. We make a bit more than couple #3, and 20% of our takehome is close to $6k. There's just no way we can spend that much every month. So what makes more sense for us is putting more in the savings category for vacations, home improvement, gifts, etc. Since really, that is what we would consider guilt-free spending. Like we've given my husband's parents 10k for a home renovation they needed, and I'm giving my parents 9k to remodel our ancestral home's bathrooms.

[@elenaosipova9713]

Love this format!

[@mzcain1521]

More videos like this please!!!!!

[@skapadia900]

Loved this video. Great format. What sort of advice would you give for "Let's dream a little bigger"? I think that's hard for folks that tend to focus a lot on saving.

[@Jan-mu8vm]

I really like this format in addition to the weekly Tuesday show. Right amount of background detail: ages, how many children and location, for you to provide guidance and for us as listeners to follow along. Without general location, it's challenging to understand the numbers of your subscribers sometimes.

[@Letsgohsiwb1782]

Love this series - subscribed!

[@Zadnak1]

Love these videos, and I'd like to see more. However, they all usually follow the theme of: 1. Fixed costs are way to high 2. Not spending enough disposable income Certainly there are some major odd ball CSPs out there that could be reviewed. I'd like to see those. Thanks for all you and your team do!

[@davidplugz]

We need more of these

[@totadol]

I like this video format please do more of them .. very insightful

[@offthetrail5675]

I relate to the last one. I could spend more but i enjoy saving and investing more then spending and i have everything i need other than time from work. Hence the planned early retirement goal.

[@mzwendylew]

The last couple reminds me of us. We underspend and invest so much and I have a hard time spending. We do take monthly vacations, but have a little travel burnout recently. I think my rich life is now pointing to buying a home and decorating it. I thoroughly enjoy design and creative home projects.

[@Lena-cl6ye]

Yes, can we please have more videos like this, and maybe include one single person(i.e. not a couple). Thank you.

[@catgodfrey6451]

❤ this format

[@kristofcolumbus3008]

I love it. Go ahead Ramit!

[@Maxrotor1]

Parents are likely paying cell phone bills. My kids are out of college and have good jobs. I still pay their cell phone bills

[@ohasumirawr]

My dad still does this. xD I need to get on the phone plan with my husband.

[@puredreadhead]

I’m 35 and I pay my (70 y.o.) dad’s cell phone bill 😂

[@supershellybelly12]

Love this format, would be great to get a reaction from the couples! Is there a video somewhere on combining couple finances? It’s mentioned a lot but I can’t find one…

[@cecilia2001]

He uploaded it 2 weeks ago

[@punisher6659]

Hello from St.Louis and thanks for your content.

[@sukhstan]

Great info like this review of CSP Thank you!

[@jcabslovesu2]

I have an excel file of grocery list cost for Costco, Safeway and 99 Ranch and i used it weekly to compare prices on which place is cheaper to get example meat and we go to that store to get meat. I find that Asian stores like 99 ranch or seafood city are so cheap to buy meat compared to Safeway or Costco. A large pack of chicken cost us $6. We live in Cali btw. So every week I update the cost my excel so I can project how much our grocery will be for the following week. Also this is a chance to see how much these grocery places increase their prices almost each month. I find it a helpful way to maintain the grocery budget as prices gets higher.

[@mnlipat]

That is some serious dedication! Nice job on actually keeping track

[@jcabslovesu2]

@@mnlipat it is dedication But I enjoy doing it also. We currently live on a single income (no kids) while my husband finishes his masters (thankfully no debt, his parents are helping). So we really need to stick to a strict budget. The cost list helps so much! Thank you!

[@nagarpoe]

I'm interested in seeing how much your monthly grocery budget is for the two of you. We live in northern California but not near Asian stores (unless we drive over an hour away). On a lucky month, we spend $450/month for groceries. Not eating steak or anything. No kids either

[@jcabslovesu2]

@@nagarpoe no kids here either, we live in the bay. Our monthly grocery is about $450-600. And we buy steak and chicken and pork from Asian store to cook so it can be kinda expensive. But we don’t really eat out to restaurants so we’re kinda ok splurging on good grocery meals!

[@nagarpoe]

@@jcabslovesu2 ah ok, we do too much eating out (not fancy but even fast food is crazy expensive) , $450 for grocery is not considered too bad then (we just need to stop spending on eating out) , thank you!

[@texaskid4444]

Do this every single week please

[@GioTechEvolution]

New viewer, very nice reminds me of Caleb Hammer without the yelling lol I like the concept and key visuals. Hopefully the algorithm brings me back to one of your videos

[@CreativeHomescaping]

I am retired now but worked in commercial real estate and finance my whole career. I always did aren’t vs buy analysis when evaluating housing type investments to see if demand would be there for rental or condo units. I do believe that the best way to build wealth over the long term is to eventually buy your own home but agree that in CA the prices are so high that renting makes the most sense right now for most people. You do not want to be “house poor”, meaning that you have a house but you are miserable because you don’t have money for anything else.

[@haileynichelle8343]

"Love yourself first" ❤