How I budget, save, & invest my money *super detailed*

[@benmugunbey6150]

Great video. My wife and I are both immigrants from a 3rd world country and are very unfamiliar with stuff like this. We are in our 40s and are just starting to get a grasp on our finances. Hopefully we can give our kids the head start they deserve. Thank you!

[@millieeved]

We're all in the right place to get started. Good luck with it all!

[@BizNessEntre]

Be careful! Rose does not care about her followers getting scammed: Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@TinoSparks]

You are in the right place, all the best

[@VladaGlisa]

What are the 3rd world countries?

[@theamerican7131]

oh great, my immigrants

[@TamaraGodina]

great work. My husband and I started seriously investing only 15 years ago after we paid off our house. For the last 10 years of those 15, we have put in the max allowed in our 401K's. having a paid for home allows you to really accelerate your savings rate. The earlier you begin to seriously save in your 401K, the quicker you will be able to live off of dividends.

[@Devinn504]

You should be investing into dividend etfs and dividend growth stocks in a roth IRA as well!

[@itsrosehan]

That's amazing and very inspiring to hear! Thank you for sharing!

[@jimipet]

@@itsrosehan You fell victim of a bot advertizing their scammy tactics. Their sentences look so real nowdays its hard to say which comments are real and which are from bots.

[@chetanjilhewar1669]

@@jimipetyup; you are correct because some looks real.

[@nijad.9526]

Very inspiring! We paid off our home Aug 9, 2023 and I’m definitely looking to invest to the max now. I’m very excited for this next step in my financial journey.

[@CathAlexandra]

Automatic transfers to savings are the way to do it. I never miss the money, and the accumulation always surprises me. I spend less if I think I earn less.

[@itsrosehan]

Exactly my point! It's a sneaky lil money hack lol

[@RyChOr2005]

@@itsrosehan A similar hack that I like to do is to keep increasing your 401k contributions by 1%-2% each year (if you don't have any high interest debt)

[@aang6421]

I started my current job in January. I set up my 401k and my HSA. I FORGOT about it, lol. Forgot I'm contributing 13% of my Gross income until I looked today. Completely forgot I was 13% out of 20%

[@ITSCHANELSWAY]

I was once your Uber driver in Dallas. I’m so glad I met you, thank you for such great inspiration and I love your content. Thank you ❤

[@fasteddy3336]

Very informative video! My wife and I have a cash fund in our budget! I take out $200 a month and it’s put in a container. You’re allowed to take $40 a week and use any way you want. If you want to stop by a coffee, candy bar or donuts for the family. When this money is gone, that’s it till the next month. If there’s any money left over stays in the container for the next month. Now this is all for small purchases.

[@itsrosehan]

I love that! Very sweet that you and your wife have created your own system that works well for your family :)

[@lcn706]

We need to start doing this. 1. I hate tracking all those little $5-$30 purchases... also, 2. Those are what get me! I'll admit I'm not in the habit of checking the budget before I buy the little things bc I assume i have the, say, $20. But it all adds up quickly, especially in a family with kids who seem to always need money for something!

[@BizNessEntre]

Be careful, a couple got scammed by people impersonating Rose, and Rose did not care or do anything about it! Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@jocelynsloan7801]

Love this.

[@JarodDavis-ro3fb]

I love doing the spreadsheet. Me and excel are besties. Just typing in the next set of values and watching all my little algorithms adjust everything is just another level of satisfying.

[@hnnhml]

Hihi me too, excel is kinda fun

[@TheahLil]

Hi there! definitely please keep doing net worth updates, budgeting - everyone likes to see the real numbers and how the reality of making goals happen works!

[@itsrosehan]

Ahh gotcha! That sounds fun, I will do that!

[@miamiairgaf]

Reframing the mindset around budgeting to “yes” instead of deprivation is super helpful! ❤

[@monica-t3n4k]

YESSSS for a Monthly Money Diary Series! I love how you continue to bring financial transparency for us to help us stay REALISTICALLY motivated on our financial independence journey.

[@hnnhml]

Thisss

[@juangalvan8873]

Thank you sharing your personal finances. Thank you for throughly explaining your investment categories, too. I’ve been following you for a few years and I’d be interested in a monthly status report on your financial journey. I think it would help us all be held accountable. Rose, you’re the best. You’re making a difference! 🤗 ❤

[@georgestone0123]

I'm exploring different investment opportunities and would appreciate others' insights on this matter.

[@georgestone0123]

I've come across several positive endorsements of Jenny Pamogas Canaya on various platforms, including KZbin channels, seminars, and more.

[@georgestone0123]

Thanks to these recommendations, I successfully located her online profile and have already reached out to her with a message

[@GreatfromAnne2020]

When I hear “hoping for the best “ I said to myself oh my lord is she talking to me 😮. I really needed this video today, never is late 😊. Thank you 🙏🏽

[@BizNessEntre]

Becareful who you trust, Rose does not care about her followers: Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@OperationFoodieComa]

PLEASE continue with the series! Just listening to your thoughts and reasoning behind doing what you do really does help when considering things for my own financial journey. Also, it steers me out of the direction of making extra mistakes that I don't have to. I love your channel. I always know im going to learn something when you upload.

[@itsrosehan]

I love that, your feedback means a lot to me!!! Will definitely continue this as a series, can't wait because I think it's gonna be fun :D

[@EmJayAnieta]

Yes! I just found this video and I am just starting to budget and wanting to invest so this is really helpful because how I am going now the up down anxiety money cycle is draining. I’m ready to get it together 😅. I make enough money to live comfortably but no idea where it is going If possible can you do a beginners guide to YNAB or how to set up a budgeting line up etc ( spreadsheet in or out of the app)

[@thomas.conrad]

Maxing out the Roth IRA every year is the name of the game. Awesome stuff

[@Madchris8828]

The honesty and detail in which you put out this information is nice to see. Its cool to see how others budget

[@aj--0019]

you explained things so well and i love how you speak ,it's not too fast and exaggerated.😊 thanks. waiting for more topics on saving and financial goals🥰

[@Nuancesofnancy]

I absolutely loved this! I’m 20mins of uninterrupted content, I gained so much insight on financial 101. A lot of ppl share snippets of this in short form content, so it’s hard to piece together the pieces. I enjoyed how you walked Us thru it and showed actual numbers. I would love to see this as a monthly series for reinforcement and accountability. ❤

[@rebeccal.672]

Having a separate emergency fund is so nice because you dont really see it until you get the statement from the bank and it is great to see the money grow. Yes please to the money diary I think it will be interesting and maybe helpful. Thanks.

[@Veronica-vt9tp]

Wow you are so smart. I am 66 years old and I wish I knew this. I have no debt, paid off house, get social security and a small pension. I'm doing ok but I should be doing better. I just don't know who to trust. Video was great. Thank you

[@MeowWow-q3h]

"Who to trust" is huge. I suppose, as with anything else, be very cautious when you witness anyone telling you something that seems like it might be too good to be true. And there is so much of that in the finance space.

[@dustyatchison]

Yes please re: making this into a series! Your transparency, thoughtful explanations, and clarity is so helpful for those of us trying to get to where you are. Thank you for your content!

[@antoniovega4978]

I enjoyed the video on your budget and gave me some ideas. I would like to see more on your budget, and I enjoy your other videos.

[@wens7301]

Awesome and so helpful! Love and appreciate the beginner series: easily understandable and accessible. I'm finally starting the journey: less intimidated and less overwhelmed due to your step by step detailed breakdowns, recommendations and walk throughs. Thank you, Rose!! ✳

[@SuperBreak2011]

Rose, I learned a lot on personal finance by watching your videos. Although I am in a totally different financial environment (other side of the world), I am inspired for my next investment moves by following your example. Thank you. Please carry on the series.

[@itsrosehan]

Love to hear it

[@calisongbird]

@@itsrosehan@PatrickWalter324 in this thread is another scam bot…

[@lania3717]

You are the first KZbinr that mentioned/likes IUL that doesn't sell it. That makes me feel better because other YT financial gurus (namely Dave Ramsey, the money guy) don't like IULs.

[@randydaugherty607]

Rose, great content and it's good to see you posting regularly again. After divorce and starting over it was your videos that encouraged me to get started again, opening my accounts at Fidelity and starting my journey over. I wish you the best in everything and would love to see this become a regular content from you. Take care and stay safe.

[@codysray2616]

Rose thank you, you truly are the most tangible and relatable (as well as informative) voice I can hear that helps with finances and just intelligent living. And always so happy and easy to watch. Thank you so much it helps a ton.

[@portiadane6020]

Ditto

[@Doug5614]

Great content. Please keep the videos coming. It's making me think of what I need to start doing.

[@mustbesaid6649]

Budgets sound like a lot of work. Its good that it helps some people. Thanks for making this video, it is a good community service.

[@MeowWow-q3h]

It’s not much work once you have a system in place. I maintain a personal budget roughly as detailed as the one Rose presented. It takes me about 30 minutes once every month. Once you have a system in place, and assuming your savings, investments, and expenditures don’t change drastically month by month, it almost drives itself after a while and it just becomes a matter of fine-tuning.

[@BizNessEntre]

What was not good community service was alloweing her fans to get scammed out of their life savings: Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@Jackie_W82]

This was super helpful. Thank you for sharing!

[@hfortenberry]

This was great! Yes, I'd love to see this as a monthly series! You're so inspiring! Thank you!

[@grandmasterb7398]

I track my expenses using an app, but I never thought about budgeting by assigning every single dollar to work so I have a bird's eye view for the entire year. Thank you!

[@clevonic]

Thank you for being straight up and honest on what you have and how you make it all work.

[@brettelizabethspore]

Always enjoy your video. I have started a playlist for "Investing" where I put all the ones you do that I need to revisit in order to adjust my investing strategies. Thanks for sharing your knowledge.

[@portiadane6020]

Investment playlist is a great idea!🙌 I've just been randomly bookmarking all kinds of content!😳

[@Shakashack2022]

YES, a money diary series to help young people get started & learn how to maintain healthy money matters. Thank you!

[@BlackVenom229]

Hi Rose! Thank you so much for the financial education. You’ve made such a positive impact on my life, you’re like a financially smart, educated, cool big sister. You are an inspiration to me!

[@trnhu_iu]

thank you so much. i’m a first gen high school student from a very low income family and i’ve never been taught anything finance like this. always viewed money as stress and burden until it was put into these perspectives, love your content!

[@timsockwell9010]

Excellent video and wish I had seen in my early 20’s. I am now 61 and continue investing and live a virtual debt free life through hard knocks and life lessons. Keep up the good work. Very enjoyable.

[@johnhenderson7081]

Great video Rose! I am now since being retired to help my teenage grandchildren budget, save and invest. This is the perfect video, plus we all have Fidelity accounts.

[@rhondavlogs]

Love this format with super helpful info. Thank you for sharing Rose!

[@cindi258]

Thanks Rose! I love the 'spoil Jupiter" category!! 🐾Oh, and the Prada one too!!! 👛🤑

[@slgelite92]

Yes! I love this series, your videos have been the best and I truly love the transparency

[@situated4]

Excellent. Like you, I gots my mind on my money and my money on my mind!! 😎😎😎

[@elizabethcmclaughlin]

I would totally love a monthly series. Thank you for this. So helpful!

[@valariegaston8020]

Yes to Money Diary Series. Very helpful.

[@myraandkyla]

Hey Rose. This video is very helpful, and I watched it until the end. I like how you explained each item in simple details for those of us who are not familiar with "finance lingo". Yes, please create a series bc my daughter and I are here to learn it all. OAN: I LOVE purses; I am a purse girl! Please show us your new Prada when you get it. Thank you! ~Myra

[@itsrosehan]

Awesome, love that you loved it and that you're learning with your daughter! I'll definitely make this into a series, stay tuned! I may change my mind about the Prada purse as there are some other brands I'm considering too but I'll keep ya posted :)

[@7931lila]

Have watched this video 2X now. Learning a lot. Think I will move my budget from paper to YNAB. Yes, please add your budget diary to monthly videos. I’d really like to learn from your regular budgeting.

[@itsrosehan]

You got it!

[@Lita_at_work]

I'm really excited to start investing. Each video I watch of yours gives me a little more courage and excitement to get started. Thank you for sharing all your experience/info!!

[@sorayabosch6098]

Thank you very much Rose! for teaching us how to organize our finances! Amazing Video!

[@nieceyyoung6590]

Yes Rose! Please continue the Money Diary Series 🙏🏾

[@itsrosehan]

Yesssss will do, let's gooooo!!!

[@adriantaraba3205]

I don't do any of this BUT it didn't make me feel like I wasn't doing enough. It was EXCITING to find such a good resource to help me plan my own finances. Literally taking notes and looking forward to beginning the journey of taking control of my finances! thanks!

[@summerjoy247]

Love how you broke this down, especially the investments!

[@calisongbird]

I absolutely loved this video!!! I've saved to my KZbin "Financial" folder and will be watching again and taking detailed notes. Thank you so much, I love your content. :)

[@rebekahdecrane5549]

Yes, please. Also, would love to hear more about your saving for the larger wants (i.e. the Prada bag.) Are they in there own separate account or you just earmark that money in a general savings account?

[@carkarlaw]

Thank you for offering such informative video which I can share with younger generation in my family. I watched my family struggled with money and learned the HARD way (books, website, financial tv) before social media was a thing. Thank you again for putting this together.

[@JohnL1950]

Rose I look forward to your videos. I learn so much you pack a lot ideas and suggestions in a short period time. I do rewatch your tutorials on how to get ones life organized. Rose more videos please.

[@WhatTheDuckk]

I think the monthly videos would be awesome... we could all make eachother accountable in a weird way without even knowing it!

[@itsrosehan]

Right that's what I'm thinking!! Sounds fun, let's do it!

[@margowhitlock7933]

Thanks for sharing , i am learning some great information

[@mauraboland6842]

This is a great channel and I think your really great. Your presentation is very calming to a subject matter that can be unnerving.

[@workitladypodcast]

Girl you are talented smart and beautiful and doing a good working and helping ppl with your channel! I can’t get enough!!! 💜💜👏👏 Thanks for the help!!!!💜💜

[@shaniaanderson3608]

I've just come across your channel and the way you explain and execute things really makes sense to me and I relate to your approach a lot! It's super validating, thank you so much for making these videos!

[@danielmcmanus7436]

I started watching your videos to learn options, but videos like this are amazing and help provide overall financial information to help "Add a Zero"..

[@FranMariee]

Another interesting and helpful video. I definitely like the idea of this becoming a monthly series!

[@itsrosehan]

All right then monthly series here we comeeeee! :D

[@daniellecomeau2996]

YNAB was such a game changer for me. Love it !!

[@GoatedForever-u1r]

Honestly you are really amazing. I just became a fan now and would love to see more videos like this. I can tell you put a lot of thought and planning into this, everything was detailed and explained so easily. It’s nice to see someone putting a lot of effort into their videos and wished a lot of videos was like yours. Hope you have a great day and I look forward to some more of your videos in the future. 😊

[@BizNessEntre]

Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@sross854]

Yes please for the Money Diary Series! I’m here for it as a new subscriber!

[@loidamorales1451]

I love your content. Yes, please make it a monthly series! Thank you very much for sharing your knowledge with the world!

[@Q.Wright]

Subscribed in the first 8 seconds, the vibe was there, can enjoy and learn from this content.

[@mymichellody]

Loved this video! I hope you continue this series because it’s so valuable for beginner investors and most people who need to learn better financial literacy and budgeting!

[@itsrosehan]

Thank you! Will do!

[@mwedzi]

I'm a huge YNAB fan. Perspective-changing. Love your hair color, by the way.

[@shey-w8i]

Hi, Rose. Thank you for putting this type of info. I have learn a lot from you. You are absolutely right. This is the type of information that nobody really teaches you in depth or show you real actual example. Looking forward to more videos. Be well and thanks 😊

[@kelato]

I would definitely like a regular video on this! Very eye opening.

[@Betty-my3tw]

Hi Rose, great episode! Can you do a video specifically geared to "What Rose Would Do If She Had __$ To Invest", addressing people from all different budget categories? I'm sure your viewers span from a wide range of salaries, and your perspective on "where I would invest if I only had $250/500/1,000/5,000 a month" would be so helpful. Thank you!

[@BizNessEntre]

What would Rose do if her followers got scammed out of their entire life savings? Answer: Nothing: Rose…remember last year when we got scammed by people impersonating you? As you know, we are an older couple, and we got scammed out of our entire their life savings. What I don’t get is, Rose, you KNEW it was going on and did nothing. It was a very elaborate con, so we put it all on rosehanscam for all to see- It’s very sad that you didn’t do a thing to protect us all. Why didn’t you take responsibility? Rose…why? You were kind at first, but then you got defensive once you saw that it was truly your fault for not letting everyone know…and then you ghosted us.

[@xxAZNATIONxx]

Love all the information! Much love and appreciation from Missouri! 😊🙏

[@AngelVOPro]

Thank you for this video. It was very informative. And YES!!!! Please start a financial investing/ money management series. Please and thank you.

[@catherinemurphy8210]

You details are great. Definitely continue to offer more. Thank you.

[@roseriddick8083]

Yes! I would love to see this series!

[@thereignofhoe]

Thank you for this and yes please start a "Money Diary" series. I appreciate your knowledge and I learn something each time. Thank you for sharing with us.

[@livelife1899]

I vote for the budget series!

[@itsrosehan]

Yayyyy!!

[@tjules7]

Love it! Love it! Love it! I am looking forward it every month.

[@CB-jt8vk]

Yes, great video would love to see monthly money diary series

[@naromiesbeninche6975]

Very detailed video. I love it. For now I am doing velocity banking. After I get out of debt I can assign my every dollar!

[@SantbritA]

Please keep this up! I and thankful for all the wonderful information you put out. It keeps me motivated to keep up with my finances

[@tarakanebrookshire5741]

This was super helpful. I’m new to investing & this gave me some good info

[@Lightfastable]

I would love for this to be a money diary series!

[@bobbydavis698]

This was really nice. I appreciate the transparency. Thanks

[@chickapea22able]

Yes Rose I'd like if you treat this as a $ diary series 🤗

[@pagieliana5197]

I greatly appreciate everything you share, Rose. I would love to hear about your financial diary!

[@theclothingcottage]

I've been budgeting for years. I think people are very averse to budgeting. This may be a little complicated for a beginning budgeter, apps like everydollar are super simple to start. I would recommend doing it manually until you have a strong grasp on budgeting and then go to things like attaching to your bank accounts. Income basic categories and outgo basic categories, do that for 90 days and then start getting more detailed.

[@portiadane6020]

👍Love this tip of starting simple, then applyING more advanced techniques as confidence builds. I have 16+ accounts for various investments and savings, plus property, it's all automated. I can't even begin to explain it to a beginner as their head usually spins.🤯

[@ArcherNX1701]

Great idea for a series! Please include an update for your In the Money course. I would like to know how you are doing in the Options market after creating the course.

[@mehdikhosh8879]

Rose, you are one of the best ones on KZbin. Thank you so much for sharing your knowledge and expertise with us.

[@itsrosehan]

That means a LOT to me. Thank you!! ♥️

[@RoseEveringham]

From one Rose to another, my mom and dad never talked about money. I missed out when I was younger. Rose I wish I could go back start my life again knowing what I know now. 😊

[@stefanistephens762]

Im 47 - your content is applicable to single women of my generation. I adore you

[@joaoramos32]

Please continue with this money diary series of videos. Really valuable content 🙏🏼

[@ychan1352]

Love the idea of money diary video series. This video is super insightful and thanks for sharing this knowledge with us! It can be scary to share this knowledge publicly so I really appreciate it

[@tillaaayy]

Yes I love seeing people talk about their actual numbers. My parents never talked to me about money and it was such a hard thing to navigate as an adult. Can you also show "how" to open these accounts?

[@medsan11]

Keep your head and spirits up, Rose 🌹

[@keenandutoit4275]

Wow, this is a brilliant video. Thanks Rose.

[@CassandraContreras]

yes, great idea! please start the “money diary” series ✅🙏

[@thehopefulbudgeter]

“I’m not perfect either” but your hair and home is! 💁🏻‍♀️😍🥰 lol. Love ya! 😘

[@raysabor3413]

Smart busy woman, Thanks for the Video very well explained

[@lizb7777]

Yes make it,money diary series 🎉