10 EASY Rules To Never Be Broke Again.

[@GabeBult]

Find your rate now at Figure go.magik.ly/ml/23djp/

[@RGarcia88]

What skills did you take that you can fall back on?

[@RobertGorin]

So true! Wealth has no shortcuts, here are ways to acquire it..🔥

[@RobertGorin]

the first step to acquire wealth is figuring-out your goals with heIp of a financiaI pIanner, and foIIowing through with lnteIIigent ideas; you will acquire wealth in no time and also enjoy the decision of managing your money.

[@RobertGorin]

l made better decisions that grew my finances (over 1M in 2yrs) with heIp of my financiaI pIanner. Got my 3rd house Iast month, and will retire soon.

[@RobertGorin]

Elizabeth Greenhunts

[@RobertGorin]

get to her with her name..

[@Ishantag]

1. Plan for EMERGENCIES 2. Find DISCIPLINE or just trick yourself 3. Simplify your FINANCES 4. Keep your investing SIMPLE 5. Make yourself VALUABLE 6. Avoid DEBT 7. Compound interest 8. Build multiple streams of income 9. Dont try to get rich quick 10. Study money (Set for life, the simple path to wealth, 4 hour week)

[@L33C333]

How do I Invest? is there a website that I can go to to put money into investments?

[@pathmaram]

Thankyou for summarizing.

[@BradleyMaurice226]

I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.

[@JeffWilliamfick]

Secure a good financial advisor to help guide you on where to put your money. I have one and my returns are a lot higher. 9% on average on my 401k and 12% on my husband and I’s ROTH. IRA is a bit lower at 9%. Also he recommended that I build up some cash before retirement (that was sitting in savings) by putting it into Tbills that are paying out 5%.

[@KimberlyFlores-kr1bz]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@BradleyMaurice226]

Finding financial advisors like Becky Lou Gordon who can assist you on things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@KimberlyFlores-kr1bz]

Becky has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

[@STaraSVirk]

I am 28years old now. Was broke 4 years ago. Now own 2 properties with 400k nzd debt. My goal is to retire at the age of 50years. If i can early than would be best.

[@Bob-yh7ir]

Yep! Just got laid off and this is retirement. In my 50s. Been looking forward to it so no shock or surprise. Ready to go and enjoy the years of health I have left. Just did simple saving and investing over the past 20 years. Got started a little late but was able to catch up. When people ask what I would have done different or if I have any regrets, it's only that I did not start earlier. I agree and tell everyone if get rich quick actually worked, everyone would be doing it and succeed at it. Get rich slow works 100% of the time. Cheers !

[@joepiekl]

That's a good story. What percentage of your income would you say you saved? I've heard people say you should save half of whatever age you started saving at. So if you don't start until you're 40, you'll need to save 20% of your salary, whereas if you start at 20, you only need to save 10%.

[@Bob-yh7ir]

@joepiekl I agree. I started with putting 15%. Then upped it from every raise. Once we got the house paid pff early , we put that payment into the equation and that took us to 33%. Also put 2000 a year into an ESA for kids college and that paid for school. When we stopped putting that away, added that to investments. The past decade plus has been a good market. See if the next decade is similar.

[@sirdino6967]

so true and well said ,,, im retired at 51 here in Australia ,,looking forward to enjoying life ,, travel and self care ,, i want to focus on

[@edwardrich-g3u]

Once people have at least $1.5M invested, their average return on investment will begin to exceed their household income. In other words, their invested money is working harder than they ever could, which creates lifestyle options that most people never get. Whenever something big goes wrong, a lot of people panic and hold on to money that should be working for them. Having monitored my portfolio performance return huge six figures from the last 2 quarters 2024, I have learned why the market will remain a money den for those who know where to look.

[@loisvasq]

@@edwardrich-g3u That's why a huge goal of mine is to hit the 1.5 marker as soon as possible. My dividends are look solid too but I'm down 10% on growth stocks. please how did you achieve this much?

[@rhondalyn100]

Multiple streams of income: I'm making 5k a year on a side hustle. Got a fitness instructor certification 25 years ago and have been teaching 2--3 classes a week ever since. The boss *pays* me 5k a year (on average) to exercise and stay fit and healthy. Win-Win-Win

[@Nova2Yung]

Gabe, i would like to thank you for not being a scammy ‘finfluencer’ and just keeping it real with us, i love your videos, you are the hopeful and inspirational side of chaotic youtube, thank you for the motivation!!! ❤

[@fenner1122]

I agree with most of Gabe but he did promote masterworks which is kinda shady… but investing in the s&p is solid

[@bigload6]

I regret moving out of my parents home and going to uni at the age of 18. I should have stayed home and worked to set myself up. Then I should have gone to uni once I had realised what I actually wanted to do with my life. 5 YEARS OF STUDYING. A lot of debt and mistakes later I'm finally in a position where I can save money, working a job my degree has nothing to do with

[@M_SC]

You would never have gone to university then probably

[@Heresthe411]

Don’t blame yourself, School and society is designed to mislead you like that and get you into debt asap.

[@hh-uv7kr]

Great video, I have a quick question. I am an aspiring trader, I am looking study some traders and earn off their expertise rather than investing myself and lose money emotionally. Whats your take on copy trading? Do people really make money? Just looking for some reassurance

[@shellywhite2145]

Focus on long term investments in property, stocks, and bonds. Avoid copying, daytrading and 'chart astrology'. Diversify across different geographies, industries, and value chain stages - to reduce your risk. You can do this with ETFs, or by selecting different stocks yourself. This is the best way to invest for more than 90% of people

[@hh-uv7kr]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@shellywhite2145]

Ashley Airagahi is her name. She is regarded as a genius in her area and works at ALGO LAW FIRM. She’s quite known in her field, look-her up.

[@hh-uv7kr]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before emailing her. She seems proficient considering her resume.

[@BraunRob]

Invest in the financial markets before retiring by diversifying across assets, allocating a small portion of your portfolio, staying updated on market trends, and considering long-term holding to balance risk and growth.

[@ysareyes]

I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Sir Brian! Imagine I invested $50,000 and received $190,500 after 14 days

[@faysdt414]

Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.

[@mbnesbitt]

Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.

[@hamzahamza-bz3rf]

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

[@grizbaseball]

Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

[@blakew5672]

The biggest one for me on this list is the “reminding yourself”. I’m great at pursuing a goal….until I find another goal I also want to pursue, then the previous falls by the wayside. When I make sure to keep financial responsibility in the front of my mind I’m great at it. By making sure to watch a financial KZbin video once or twice a week, or read a book, I manage to keep myself on track. When that lapses I often find myself splurging on meaningless purchases where the money would’ve been better suited in stocks or a HYSA.

[@kjw79]

The book 12-week Year really delivers into that mindset. I recommend reading it 👍

[@M_SC]

Same

[@peterosifo2425]

Trying to get rich quicker than I should has infact slowed down my getting rich, thank you for highlighting that in particular

[@lucaspaciello866]

As always, a great analysis. Newcomers often wonder if it's too late to navigate the financial market, but the market is always unpredictable. Trading has more advantages than simply holding, so it's important to learn before diving in. Active trades are necessary to ride the market's waves. Thanks to Flora Monticola’s insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Kudos to the journey ahead!

[@lucaspaciello866]

Flora Monticola's program is widely available online

[@chesteradams9764]

The internet is filled with so many useful information about Flora Monticola....

[@jacnelson3423]

she has a noticeable profile on the internet, you can simply research her.

[@mattdan5238]

Thank you for the awareness here on youtube, it shows how much you want all traders to progress as I have been thinking of selling my btc.

[@jesuspajarilla8265]

Thanks for the advice and the rules to become not broke again.

[@Peterl4290]

Awesome! I appreciate your viewpoint. I currently earn $600k per year. I have no home or investments, and my job is in New York because I work from home. I need to act quickly or else I'll owe the IRS thousands of dollars come tax season. What should I do?

[@Mrshuster]

To better understand the factors that could affect your finances as a beginner. To make the best decision, speak with a financial professional. They have a wealth of information regarding both current events and upcoming developments.

[@larrypaul-cw9nk]

Secure a good financial advisor to help guide you on where to put your money. I have one and my returns are a lot higher. 9% on average on my 401k and 12% on my husband and I’s ROTH. IRA is a bit lower at 9%. Also he recommended that I build up some cash before retirement (that was sitting in savings) by putting it into Tbills that are paying out 5%.

[@sabastinenoah]

I appreciate your advice. How can I get in touch with your Financial Advisor, if you don't mind? I am in severe need of financial aid.

[@larrypaul-cw9nk]

Finding financial advisors like Annette Christine Conte, who can assist you on things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@sabastinenoah]

Annette has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

[@cur244]

The thing that made the biggest difference for me is automating savings.

[@ParkDari]

We keep a couple grand on hand for a spur of the moment emergency. The rest of the emergency fund is in a tax efficient fund that I can cash out in two or three days very few emergencies can’t wait two or three days. The fund has had some very nice returns over the years. We have never stopped contributing the $50 a month because we figure the older you are the more expensive your emergencies become😊

[@lilibethvilella]

So practical. Truth. Simple. I shared your video with my 3 high schoolers 💪🏽

[@JessicaFranco1]

Such a good idea! I wish I was thinking about these things back in high school. 👏👏

[@ReallyNobody.]

Love your videos man keep em coming. Very motivating and informative

[@GabeBult]

Glad you enjoy them !

[@franciscozevallos2858]

You are contradicting yourself. A HELOC is basically a credit card with your house as collateral and a higher principal. HELOCS have interest rates that can go up in a crazy way.. avoid HELOCS at all costs unless you have the money to spare. I have seen people get helocs on their houses and they pay over 8k a month and more than 6500 are interest

[@DuctTapeDylan]

My thoughts exactly

[@Jane-rh7tc]

it was very interesting that a lot of ppl never use their college degree for their actual work. then later I realized that it was often because ppl didn't think when they chose major, they think as long as they have a degree they are settled for life, what they didn't get(which their parents probably didn't know either) was college is different from high school, it is a very specific tool you choose to use to get a job when you go out there in the world, it's not a generic magical wand that can automatically guarantee a job once you get it. Choosing the wrong tool would not help you get the job after you graduate. sadly most ppl don't realize that doesn't matter how old they are, and they just end up telling everyone arnd them(or online) that college is completely useless. where as the truth is simply because they never bothered to learn how to choose and use the college degree

[@eon6571]

I watch KZbins to maintain my motivation,,i don't budget,,but im debt free and its easy for me, i keep my emergency fund,, keep a separate account with about 3k for bills or whatever and invest every penny beyond that. I don't worry about investing a certain percentage,,i figure more is better..

[@crickro]

One of your best videos Gabe. Thanks for everything you do.

[@cur244]

You're videos are great, but I have to disagree with the impact part. Police officers, fireman, teachers are examples of high impact and mediocre pay.

[@tatouchkas3146]

Completely agree. On the contrary, we could easily see during covid (if still necessary), what the real essential jobs were (and how undervalued and underpaid they are). Writing from france.

[@lananeedham]

I saw something like that in the bible. To be rich you need to do what is the biggest service to man. That may not be worded exact but you get the meaning.

[@davidfolts5893]

Without saving, there is no investing; without investing, there are great challenges at retirement.

[@patrickpornan833]

Gabe I really love your content. Buy i dont understand. Why are you promoting Figure for Helocs and then 2 minutes later talking about getting rid of debt?

[@GabeBult]

It can be used to reduce bad debt. There are a lot of ways debt can be good but it can also be bad it’s not a black and white thing

[@patrickpornan833]

@GabeBult gotcha thank you sir.

[@Armchair-Investor]

Agreed. One should not use a HELOC (which is a loan secured by your home) to pay off unsecured credit card debt. Never ever.

[@gentlegiants1974]

Rule 11: Don't get into a relationship with a woman who ends up leaving you penniless, homeless, and worn out when she ends the relationship and gets everything.

[@bellmattwebb]

That was well thought out and informative. Thank you

[@GoogleUser-wx8mw]

"Change it's color; it's a lot of fun, and it is free." 😂 Done.

[@thomasmene6559]

Very informative

[@Lindy_Enalya]

Hi! Every finance channel recommends to invest in the SP&500, but most of those companies are severely damaging the environment and employees… How/where to invest in a better world?

[@Thesignarizzler123]

I love your content. Thank you x

[@AR-ln7ln]

Nope, no emergencies in my twenties. I was extremely disciplined, which benefited my employer more than myself. Finances were very simple back in a day. We learn nothing by investing in index funds. Real estate was not an asset to me three times. Unlike selling/buying individual stocks, I learned nothing from real estate, but to stay away. I borrow at 5% now and make minimum of 20%. Not saying others can do this also. That compound interest needs to be explained better. Imagine buying a share of Voo for $500. Two years later, that share is $450. Compound interest at work? I was told to zoom out. While I know what it means, do all?

[@LivingProcess]

Brilliant as always 💚 Auto-pay does help just need to be careful what you pay out. Gaining value for self I will be focusing on in August.. Have a Favorite weekend Always look forward to seeing your posts!

[@rubybabiera6407]

lol I started laughing when you said you trick yourself. Okay I guess I’m not the only one who does this. I trick myself into saving money as well like lets say okay I need to pay my tax and put down $500 down going to saving.

[@jangheedavidhan6253]

Compound interests can go negative as well if younstart selling

[@brendanhickey9771]

Great video. Thank you

[@programmerm5907]

You had me until the HELOC ad. Not worth the risks.

[@jb43623]

Thanks for the content :)

[@GabeBult]

My pleasure!

[@Ripplesinthewaters]

Don’t mess with HELOCs!!!!

[@TheComicVault]

Good video! My only addition would be that your investments should be more ethical than index funds and real estate - with capitalism, change starts with the heart but it’s actioned by money. 😊

[@lilblizake]

4:15 Ad for getting a HELOC 6:15 #6 Stay out of debt Seems hypocritical...

[@HeriBanks]

good stuff

[@ariannarenteria3170]

I want to re-gift Rich Dad Poor Dad that I won from Gabe a few years back actually and I finally had the discipline to read the whole thing this year. Let me know if its weird we can trade for another financial book lol.

[@Toonicefit]

Can you make a video about getting into house hacking?

[@GabeBult]

Yes! I’ve made some but should do an update

[@chelsiegrieve]

Gabe love your videos. What do you use for the music that plays behinds your videos?

[@WowThingsThrift]

Great video🎉🎉🎉

[@Agent77X]

After the 2022 stock market collapse, sold all my stocks and ETF and put the money into 3 banks!😊 No worry and earning 3.5-4.25% yearly!😊

[@davidv.388]

love the vid!!!

[@laurabeetschen2828]

Gabe, how do you build an emergency fund whilst things keep happening (living on benefits)?

[@anthonysmith7913]

Dude, everything’s cool except for HELOC promotion. Don’t you know it’s a trap?Dave Ramsey would chastise you 😂

[@L33C333]

2:54 when he mentions investing account, what is he referring to? I hear a lot about people should invest with buying stocks but is there a website to invest? How exactly do I invest?

[@cur244]

I'd be stunned if you only put 10k into that rental over 30 years. A roof replacement alone is likely over that.

[@GabeBult]

Very true! However, since the Property is cash flow positive it pays for all its own repairs. I have never put money in after the initial amount.

[@Persistancedetermination]

I can buy one book. I like " The four hour work week" & " The Psychology of Money". Which one do you recommend in my situation, which is almost broke.

[@juliemarkham4332]

Borrow both from your local library.

[@missmelimelo18]

I have not read The Psychology of Money yet, but I can say that 4 Hour Work Week is a very eye opening book. Same as Rich Dad Poor Dad. Maybe try signing up for free for your local library card and you can read all of them 😊

[@Persistancedetermination]

​@@missmelimelo18Thank you! I'm sure I can request the books if they don't have them and it will help others also. That's a better idea to protect my emergency fund. Ty!

[@naddel524]

Library I recommend the library....

[@angelicacole40]

@@naddel524Yes. Borrow from the library for free.

[@Doesch]

Great video, realistic information! Thanks!

[@jannycrespo-grow9996]

I wish it were true, but nobody impacts lives as much as teachers and they are grossly underpaid. I had to leave teaching to finally approach the earning power of my peers with similar education and skills. 😢

[@TheCharlieH]

Are you allowed to borrow from yourself if a need arises?

[@lionness_simsima5941]

Very interesting

[@DuctTapeDylan]

Having a step called avoid debt and accepting a HELOC sponsorship seems a tad contradictory. I may be missing something though.

[@ehabelbadry2313]

the casual repetitive points

[@FE59FE59]

* 7. Compound intrest: 100$ per week -> 428$ per month Please keep it realistic, I don't have 428$ remaining on my bank account at the end of each month, and even if I did, I wouldn't invest my savings to 100%. Is the average age of your viewers really 22 y/o?

[@divyv20]

Hey Gabe really nice video ! I was wondering if I could help you with more Quality Editing in your videos and also make a highly engaging Thumbnail and also help you with the overall youtube strategy and growth ! Pls let me know what do you think ?

[@themarekch]

❤ great information 👍.

[@Gratitude-c7m]

Yay!

[@jangheedavidhan6253]

Do not barrow more, if you can avoid and just have less debt

[@Johanneslol11]

I have some student loan left but i don’t regret jt. I earn a lot now in that field. (IT) now I just have to pay off my loan. 😊it only 10k so it is doable.

[@parrishdays]

NBA Gabe Bult

[@aayush575]

We want next video on cleaning ur whole house

[@GabeBult]

At some point lol

[@aayush575]

@@GabeBult bro i think u need to shift ur content a lil bit from minimalism , because the attention span of viewers decreases when u upload same content , so add some additional unique content like travel videos , motivational videos and many more ....

[@ReallyNobody.]

​@aayush575 Ever thought it might just be you bro..

[@aayush575]

@@ReallyNobody. bro i was just giving him lil advice for the continuous growth for his channel in the future also

[@username00009]

@@aayush575Gabe is doing just fine. He’s branched out from minimalism to financial independence. Most of us like him because he focuses on content that reflects HIS values.

[@petertodd9034]

For the newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's the sad truth. I remember when I just got into crypto back in 2019 but later in 2020 | ended up selling it because I have lost alot trading all by myself without a guide. Got back into crypto early in 2023 with $10k and I'm up with $128k in a short period of time

[@djquickshare]

Africa is still green, come.and invest some.of your money here

[@RebelMusic666]

Stocks are falling and bond yields are rising, but markets still don’t seem convinced the Federal Reserve will pursue plans to keep increasing interest rates until inflation is under control. I'm still at a crossroads deciding if to liquidate my $117k stocck portfolio, what’s the best way to take advantage of this bear market?

[@CharetteRose]

The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@kigletmary56]

The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@belindaknowles7440]

I wish I had never gone to college😕

[@GabeBult]

So do a lot of my friends. Some love it some don’t depends on your journey

[@brian_voll]

I regret it as well. I did learn some valuable life lessons there, and a lot of knowledge in the career I thought I wanted to be in. But afterwards having a job in the field kind of made me realize it wasn’t really for me. I paid off my college debt as quickly as possible and moved on. I currently work for my father’s business, which I’m set to inherit when he wants to retire. I’ve put a lot of knowledge I’ve gained from college into the business, so I suppose it wasn’t a huge waste of time, but it’s also knowledge I feel like I could have easily Google’d.

[@eddiemalvin]

Why? Is that due to the debt you incurred or do you think it was a complete waste of time?

[@AverageJoeDividends]

So glad that I went. I started at the bottom in IT and I saw that a Computer Science degree would get me into the next level of my career. My work had tuition reimbursement and nearly paid for my entire degree from a community college. Too many people got a degree not knowing what the ROI would be...

[@blakew5672]

Somewhat the same. I was fortunate to have a full paid scholarship, so I came out with minimal debt that I took care of quickly. 1) I didn’t go for the job I initially thought I would, though I’m in roughly the same field. Went for med school, which I got in then decided against, ended up in nursing. I could’ve got my job with a 2 year degree at a community college. 2) I was miserable there. It wasn’t the college experience itself, it was the area I was in. Four years of a place I didn’t enjoy, which affected my mental well being and my performance in school. Why I’m glad I went to college…one reason. It delayed how long it took me to start nursing school. If I hadn’t essentially wasted those four years there I would have started nursing school earlier. I would’ve been in a different class, with different people and I might not have ever met my future wife. I didn’t know it at the time, but those wasted years lead me to the best thing to ever happen to me. There’s a reason for everything, even if you don’t understand it at the time.

[@ed2023bc]

Investing in SP500 is not a solution for everyone. Majority of your returns are being made when everyone is selling. I'm not sure that many people can invest in times like this. Also they are periods that can last literally decades when returns are basically ZERO. And you'll need to buy it then too to get those famous 10% a year. However, I get it. It's very attractive today to common folks when it reaches new highs almost every day. And most of people think that this party will last forever.

[@christopherkaiser9650]

I enjoy the heck out of your videos until I see promotion for these HELOC’s. I’m sure around 5% of people actually leverage these and succeed. need to account risk (monthly payment on mortgage is going to go up substantially and housing markets not to only go up but also go down. Most people use these in times of desperation or financial incompetence. My neighbors “needed” some new windows and house work done. They took a 100 heloc and didn’t account for the mortgage payment increase. They are swimming in debt and getting ready to list their house. Unfortunately the housing market isn’t thriving like it was, if they don’t sell quick and close to asking they will likely lose their house

[@AsgaardiansUnited-rl4pj]

This video advocates against debt but is also sponsor by a debt company/product.

[@perseoeridano4182]

👏🏻👏🏻👏🏻

[@themesscrew7]

Dude makes a video about never being broke then instantly promotes something that can kill your wealth LMAO (Heloc)

[@NomHeads]

If you're really broke, you don't have car and you should not have one

[@78gravedigger]

What credit score do I need to get a heloc?

[@GabeBult]

Only one way to find out lol 😂 I’m not sure

[@mssafaah]

🌹🌹🌹🌹

[@dadatv1961]

Buy Bitcoin

[@davidtharp2125]

NBA Grown Man…😅

[@borislavvuchkov7829]

Study money = bitcoin!

[@mendipfox1650]

This video lost all credibility once he started to talk about HELOCs 😂

[@idiocracyishere4531]

Yawn.

[@cornedutoit6640]

How much do you make with the Ads mid may in a sentence ? Are you so bad at money that you must get this few cents ? WHY - PLEASE how much is it ? Rather beg ?