How I paid off $117k of debt in 4 years.

[@alyssabird720]

My husband and I are $3000 away from being debt free!! What a relief that will be!

[@reshukumar1229]

Hey, congratulations!!

[@kyf_]

That's sweet🙃

[@aliciathomas7576]

Congratulations! That is super exciting!

[@navinnumasuthenprekash855]

Congratulation, all the best.

[@alyssabird720]

@@navinnumasuthenprekash855 thank you all! 3 more months! We can't wait!:)

[@Kingpittbul]

“I had 97k in student loans then bought a brand new car” Dave Ramsey: “you got to be kidding me”

[@dailymemeshorts]

kindly pass by to watch some shorts

[@senuauwu]

Best crossover

[@senuauwu]

Dave Ramsey Ask for a raise in your job

[@ivybanks7936]

Dave Ramsey "Act your Wage".

[@michagabo8819]

When things were at their very worst: 2 Suns, Cross in the sky, 2 comets will collide = don`t be afraid - repent, accept Lord`s Hand of Mercy. Scientists will say it was a global illusion. Beware - Jesus will never walk in flesh again. After WW3 - rise of the “ man of peace“ from the East = Antichrist - the most powerful, popular, charismatic and influential leader of all time. Many miracles will be attributed to him. He will imitate Jesus in every conceivable way. Don`t trust „pope“ Francis = the False Prophet - will seem to rise from the dead - will unite all Christian Churches and all Religions as one. One World Religion = the seat of the Antichrist. Benedict XVI is the last true pope - will be accused of a crime of which he is totally innocent. "Many events, including ecological upheavals, wars, the schism in My Church on Earth, the dictatorships in each of your nations - bound as one, at its very core - will all take place at the same time." "Arab uprising will spark global unrest - Italy will trigger fall out" The Book of Truth

[@ajh.4131]

I paid off my student loans a couple days ago and it still feels surreal! It requires so much discipline but the reward makes it so worth it! The feeling of knowing that all of my income will now be mine and I don’t owe anyone money is unmatched! 👏🏾👏🏾

[@taylorwhaley9901]

Congratulations!

[@ajh.4131]

@@taylorwhaley9901 thank you! 😊

[@cookiemonster2371]

Congratulations:)

[@mxrcxlino]

Awesome! I’ll be at that point in four months!😌

[@lvega5606]

And now after you worked so hard to pay off your own debt, millions of Americans are about to get at least 10k of student loan debt canceled by Biden. Not sure how that's fair.

[@AtoZenLife]

That’s so freaking CUTE with the noodles and soup 🍜 thing. 🤣🤣🤣 TBH, I’m always jealous of people who have the opportunity to move back in with the ‘rents…appreciate them!

[@sameermishra3598]

Ikr 😂🧡

[@kimandmikedial9582]

And ONLY 18k for a brand new car. Not a bad deal for new!

[@MrNicePotato]

I thought saying noodles, soup was implied...

[@howtoadultschool]

Agreed, having the opportunity to stay at home and save money for a few years is a game changer. I was lucky to have the opportunity to do this, and while I had huge fomo sometimes it was easy to be grateful for the opportunity when I saw how quickly I could save money!

[@Rico401Prov]

Yeah all the rich people with their parents that have homes for their kids to always come back to make me jealous asf 🤣

[@theVHSvlog]

Matt I'm in a similar position. 80k from college. Sophomore year I found you on KZbin, listened to the ground up show where you talked about the debt and you paying it off so fast. That became my sole goal after college and I'm now living with my parents working a remote job, working overtime and saving 90% of my income. I have a long way to go but very glad to have found your advice when I did

[@hedi8975]

come on man continue ! you're probably doing the best thing you could be doing, I support you !

[@jedescuzar993]

you got this man!! all the love!

[@senbebe3320]

Yess good luck xx ☺️💖

[@strawberrycreme7181]

Gonna be me, I’m just entering sophomore year. I’m so relieved that other people are in the same boat as me. Good luck with paying it off :)

[@andregameplay9665]

You are debt free now?

[@mauricioching6856]

I was really tired of hearing about “sacrificing everything” when no one talked about the mental toll it would leave. So this was really good. I decided to move out of my parents this year after getting rid of 30k in debt for my mental sanity. It’s been going ok so far. I appreciate the video. Chunking definitely works too. Thanks again

[@starry_config]

The first video I watched of yours was one of your student loan videos and we had similar debt situations. It inspired me to take control of my debt that had been weighing me down for years. Now I’m 4 months away from paying it all of. I’m getting a bit burned out from the aggressive debt repayment and I’m so happy this video came out today. Thank you!!!!

[@KayKayBayForever]

Congratulations!!!

[@prathameshponkshe4556]

Congrats man🥳🥳

[@starry_config]

Thank you!!

[@joemama4776]

Well done brother!

[@JessicaVianaa]

As an European, the fact that Americans step out of college with the burden of paying off mortgage-level amounts of money in debt blows my mind

[@sameermishra3598]

Yup it's just mind boggling 🤯

[@no.ca5270]

Lmao

[@JessicaVianaa]

@@instantsiv I'm sorry but I don't know what part of Europe or even what kind on "inherited debt" you may be referring to.

[@johncanaparius3233]

@@JessicaVianaa he means the story Americans tell themselves that they don’t pay the taxes Europeans do to finance universities

[@LaVaneBea]

@@JessicaVianaa yes, but in Europe you are paying most of your money to the system all your life. You are paying for a lot of ppl to go to college who will not use their degrees or even stay in the country that paid for that degree. And is mandatory. In the US people have choices; unfortunately, they've been steered towards the high debt route, but it is a choice...

[@NoorAnomaly]

After divorce, the household income dropped by 2/3rds but I still had a ton of debt to pay off, both from before and during the divorce. I was grateful for people who gave hand me down clothing. I have a neighbor who tipped me $20 when I went grocery shopping. I saved everything I could, and like you, paid the debt off in chunks. Last summer, I wrote a check for the last $12000 I owed. It was magical! Since then, I've graduated community college, debt free, gotten a much better paying job, and I'm about to get a new roof on my house. Paid in cash. And don't tell the kids, but since they're so amazing, I've been saving enough to get them gaming laptops for Christmas! 🥰 100% budgeted for.

[@BucketListTravellers]

Having awkward conversations about upping rates would be stressful, but sounds like it's crucial to do. Good to hear your perspectives on this.

[@pupusa9914]

My university costs like $100 dollars a YEAR, and the most expensive one in my country costs like $2000 a year. Now I get why people in the US call College a scam, that's straight up theft lol.

[@kyf_]

Actually... in Greece we even have free education, as long as you pass from exams though. I don't know why many people think is okey to pay this much money in college

[@kyf_]

Where do you live really?

[@carolc2574]

Humm in Spain it is not that inexpensive. About 1000€ a year if you dont get a grant. But high schools are completely free and trade schools are too.

[@anoukc6928]

My boyfriend (born/raised in Europe) told me that he was actually paid to go to school, because his country would cover his commute to university...Bus and train.

[@pupusa9914]

@@carolc2574 Public education here sucks. Still, our public university is very good, but you have to get used to the tear gas thrown at you every 2 months lol.

[@amywin1573]

1) 1:51 Intentionally cut back on spending 2) 6:38 Focus on making more money 3) 15:17 Stay committed to your vision

[@djg8524]

I'm actually happy I stumbled onto your channel. I decided to go to community college and listen to your channel a lot when it came to financial independence. I cut everything out of my budget unless it is Spotify, Food and Gas. Now after almost 3 and a half years in college, I have absolutely no debt or student loans. Didn't care about what school my friends went to or where they were at. Patience is a virtue to what I have to sacrifice now. Totally worth the wait!

[@TomSimak]

“Spend extravagantly on things you love and cut mercilessly on things you don’t” - Ramit Sethi

[@alexandarmckinney5126]

Your transparency is so refreshing. I look up to your professionalism and your kind heart to your audience. Bravo.

[@shannoncooper4113]

About two years ago I found myself $35,000 in debt, majority credit cards. We were days away from filing bankruptcy when I just had this really strong feeling to push through it and intensely commit myself to paying it off. I cut all of our expenses to the bare bones minimum. Our last payment is in about 10 days. We paid off $35,000 in about 18 ish months. And we don’t get paid a ton but have decent jobs, the biggest thing was cutting our expenses and living on about half of what we make and commiting the rest to debt. It was worth the experience just for the lessons. I can’t wait to buy my husband a second pair of jeans, or some furniture for our empty apartment 🤣

[@kyf_]

That dedication! Happy to hear your story 🙃

[@artoflaziness4710]

Being debt-free is one of the best feelings ever. I remember struggling for 2 years to be completely debt-free. Worth the struggle. Great advice Matt !

[@JaydonTobler]

Wow, this is one of your more underrated videos. The title kept me from clicking for a while because I was like “hasn’t he told this story like 3x already?” But the middle section about your entrepreneurial journey is really valuable. Great advice!

[@jasoncarraway5030]

I have been following you for a couple of years now, and I appreciated all the advice and teaching you have given to your audience. Keep up the good work.I can say you have completely changed my life from your productivity, minimalism, and many more videos that really help and changed many things in my life at my lowest point. So again thank you. You are making a difference in people lives.

[@QuanTheAlchemist]

This video is a great reminder that all storms come not to stay... But only to pass. Life will always have its highs and lows. Just don't forget to enjoy the journey! Awesome video.

[@backstroker329]

These videos on finance are always posted exactly when I need them. Thanks man 🙏🏻

[@elsasantacruz7592]

1. Intentionally cut back on spending 3:30 2.Focus on making more money 12:53 3. State commited to your vision (trace ur progress) 16:02

[@chandrikasartstudio3273]

Thanks a lot Matt! Your way of presenting things makes things appear manageable and achievable. Its always good to see a person who gives real advice with their own experiences.

[@Imaworldstar-jw3yj]

Hello, I am studying English with asmr. There is. Please support and subscribe Thank you

[@DrJessicaLouie]

We paid off over $350,000+ in student loans over 6 years and getting started is so important. Thank for sharing your 3 steps Matt. When we focus solely on cutting expenses (housing, transportation, food) we reach a plateau and increasing income becomes more important.

[@lindseym329]

I really appreciated this perspective from someone else!! being in your twenties, you consistently see others your age quickly increasing their lifestyles (or expenses) when their incomes aren’t matching that inflation. I’m glad I’ve personally stayed strong, making similar choices to you, to pay off my debt rapidly while still being able to lead a happy life.

[@howtoadultschool]

Good for you! It's so hard not to get sucked into 'keeping up with the joneses' when you're in your 20's, but its SO worth it when you're able to become debt free and start on some bigger life goals!

[@lindseym329]

@@howtoadultschool I agree completely!! And I luckily do have a few good friends/boyfriend who feel the same way, so I have a smaller bubble of support which helps!

[@ashwinanand14]

Love the “chunking” method. Glad to have a name for the way I have been attacking h debt. Feels a lot more tangible when putting a sizable number towards debt rather than a small amount each month.

[@wayneflohr7181]

This video came at a perfect time for me, Matt! I'm 22 and just graduated this year and am looking at 100k in debt. Just had to make the tough decision to live with my parents while all of my friends move out into their own places. I landed a full-time job that pays 30k with guaranteed promotion to 60k+ after 6-12 months in the role. This video helped me realize that it's okay to live at home and to cut costs, and I could not be more thankful. I want to celebrate my first win by moving out once I land that promotion, whether that be in February or August of next year. You also inspired me to use my art skills to start my own company on the side, so excited!

[@ExperimentNo626]

I LOVE this more sit-down-and-talk-style, Matt!

[@michaelgriffinjr.5483]

I always wondered how your videos always looked so clean. That’s a perspective I’ve strived to acquire.

[@tatebronze]

"What are the things making money disappear from your account?" Bills, Matt. Just bills.

[@VladimirK89]

I was raised in a mindset to only get things that you can afford and never spend money on things you would worry to loose. Not sure if that right thing, but never had a debt so far, and feel free and quite happy about that.

[@TheDanaYiShow]

Love the progress over time! Went from "I spent 18k on a new car" to "I made 30k on one project"

[@MichaelNealeYT]

This is really inspiring as someone who has been struggling with debt since I was 18 (I'm now 28) I can see the light at the end of the tunnel now but it's been a long road

[@WayneThePoet]

Now this is a good, practical, honest look at a successful path.

[@rossedwardmiller]

He actually put himself in that much debt on purpose to have content for his KZbin videos

[@combsbrushes777]

Jesus is coming back , get your life in order , repent before it's too late love each other For God is love . read your bible and pray"

[@sonybluraydisk]

Lmao

[@obamagaming2886]

@@combsbrushes777 k

[@mschaieme]

That’s a really dumb way to think but okay

[@burcudursunmusic]

LMAOOO he also became minimalist for this Of course joking

[@TheMarc388]

This is great advice. I had to live with my 'rents working a shitty job until I save enough to get my own apartment and eventually purchase my condo. Not even close to paying off my debt but on the way. Keep doing your thing. Very inspiring.

[@csgloria]

living rent free with your parents was a big part of getting out of debt

[@katieparrish6425]

I unknowingly was doing the chunking method myself! It feels way more satisfying to see the balance significantly drop. I'm sure some people har disagree, but there's also the psychology of the fact tat money isn't going to loans when you are moving it around. It does provide a cushion, and when the cushion gets big enough, you can chunk it into a debt payment.

[@justinmorgan3240]

I've literally been binging your videos for the past two hours and then this pops up, what a great surprise!

[@kyf_]

You must had beencraazy bored brother 😆 but yeah, that would be nice if it happened to me

[@samuelflores8132]

Omg this should have been one of your first videos. I'm been waiting for this.

[@DemiSamurai]

I started filming YT this year and I still live with my parents. His mom shutting back of his video is such a mood because my mom does the same when I film lol

[@JayFriedrichs]

Your financial videos are my favorite

[@ojxolape]

I always find the concept of Student Loans interesting because it’s just not a thing in my country.

[@TheLarryLeo]

There are a ton of credit facility fintechs rising up here too and loans and credits will be a thing in the near future here

[@Maid_Sate]

Yeah, it would be so weird having those in Nigeria for that to be a thing, I think our judicial system needs to feel more impactful

[@nickcatalanotto]

Thanks for sharing! Interesting hearing basically the exact story from your perspective. Graduated college, financed a car, and decided "What am I doing?" Glad to say, I paid off all of my debt two weeks ago about 3 years out of college and it feels awesome! Really enjoy your content, keep up the great work!

[@hritiksamanta4835]

Matt has made more money talking about his debt on this youtube channel than the amount of debt itself.

[@EliDiazJr]

Thanks for sharing this! I’m currently $23K in debt, and starting to document my journey. I’ve realized mindset is so important. Having the courage to tackle the debt and openly talk to my partner, family, and close friends has been a game changer. Anyone else out there struggling? Remember, we’re not alone

[@siahwya]

I needed this. Thankful for all of your content. Was just checking off some of the last lessons on Master KZbin this morning.

[@WhoIsRicardo]

Love this. I started a real estate photo and video company in 2020 after another business completely failed. In 2020 I made $40k in revenue and in 2021 I made just under $60k. Hoping to 1.5x this year and finally be able to start paying off debt. I appreciate your videos man! Take care.

[@Simeonedavis]

I was adviced to diversify my portfolio among several assets such as stocks and bonds since they can protect my portfolio for retirement of about $170k. I need advice: Do I keep contributing to my portfolio in this unstable market or do I look into alternative sectors?

[@MilaCruz-d5r]

The strategies are quite rigorous for the regular-joe. As a matter of fact, they are mostly successfully carried out by experts who have had a great deal of skillsets and knowledge to pull such trades off.

[@Mlanderos-t9e]

That is very correct. Having the right financial expert is invaluable. My portfolio is well matched for every season of the market and recently it has hit 80% rise from early last year. I and my CFP are aiming for a 6 figure ballpark goal.

[@bookermyk]

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

[@Mlanderos-t9e]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Judith Lynn Staufer’’ for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up

[@bookermyk]

Thanks, I just googled her full name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.

[@zynera]

1. Intentionally cut back on spending 2. Focus on making more money 3. Organize your finances

[@imicca]

Problem with debt is how cheap it is to get it. And paradoxically very rich people take lots of debt because it ends up being cheapest way to fund something

[@khalled2419]

my headache woke me up, but hey i caught a matt d’avella upload in the first few mins.

[@johnsamuel1999]

private college exists even in other countries but it never gets this expensive . something is wrong with the american education system for it to cost so much

[@kyf_]

Yes brother... it's crazy how someone has to pay 100K for a 4 year education, makes no sense...in Europe youcan find great colleges with 10 times less expenses or even less.

[@elevate9090]

So much compassion for your viewers. Super detailed and valuable content. Great video Matt !! Thank you !

[@travelwithtmc]

Matt! I've been loving your channel for ages but you just merged so many of my own interests and what I teach my (language) students! "Chunking" is the way to do things, for sure. Thanks for the fresh air your channel and your message and delivery bring to the online spaces we occupy.

[@CK1000ism]

Funny how moving in with parents is a "sacrifice", especially straight out of school.

[@brutus_the_butcher5562]

yeah it's like, the opposite of that. that's a huge privilege. generous on his parents part.

[@ajh.4131]

Depends on the relationship between both people. I love my mom but as I got older and experienced living away from her in my own space, moving back in is a sacrifice. The relationship is better when we’re not living under the same roof so it’s definitely a sacrifice IMO.

[@CK1000ism]

@@ajh.4131 That is fair. I get that it wouldn't be something you would want to do and it is a compromise of independence. I guess the word sacrifice just seemed off.

[@thalmorbiznitch4028]

@@ajh.4131 It's a personal sacrifice to you, but an overall privilege that you even had the opportunity. The life you had to deal with was the sacrifice but the OPPORTUNITY is what is privileged about it. But I get you! :)

[@thomasfinch]

Not only did you offer sound financial advice but also great advice for growing your own business! Thanks for another stellar video! ✌🏻

[@raghavagrawal52]

Graham should see this!! Especially the latte part 😂😂

[@johnnyvjardinette]

Tks, Matt. You not only share facts on your channel, but also your story, your mistakes and how you became a minimalist. It makes more sense when we see the facts from a real story. Congrats!

[@xoceingo]

Thank you, Matt. Really. It's kind of cheesy if I say that I've been looking up to you since 2019, when I decided to get serious in trying out Minimalism. You're an inspiration to many, man. But it's funny that the dislikes of this video also is 117. Super great video againnn. Stay safe, you guys in AU! ❤️ from the Philippines.

[@claytonb2003]

I am not a business owner, am an RN, but I appreciated this video a lot and the notes I took will help me along my debt-free journey. My wife and I took Dave Ramsey’s Financial Peace University and it felt like we were willingly signing up for jail 😂. Your mindset seems more in tune with our mindset. Thanks!

[@vesh]

What an absolute chad

[@AxxLAfriku]

i am

[@hhfbko]

Bruh it's you again

[@rawlvee]

Damn you really do be everywhere

[@moritzsielaff8236]

I really liked the style of these Info boxes that showed up from time to time!

[@kyf_]

Yeap👍

[@juliannewilkinson1943]

This video is the equivalent of “tell me you went to college in America without telling me you went to college in America”. Why do they allow you to take on SO much debt at SUCH a young age! It’s wild! But good on you for prioritizing your personal finances.

[@radrose8673]

Capitalism keeps you in debt and in the working class.

[@johnsamuel1999]

@@radrose8673 private college exists even in other countries but it never gets this expensive . something is wrong with the american education system for it to cost so much

[@connorgreen5989]

@@radrose8673 Government loans to go to a state run school is capitalism, great take kid.

[@DeannaLeeOLD]

i love the chunking idea!!! that definitely sounds so much more doable for me thank you for sharing

[@marcocfitness]

AS A BROKE COLLEGE STUDENT, PAYING FOR MY TUITION FEE, I NEEEEED THIS!

[@pandabossanna]

Love the flashback shots!

[@peterdemuth]

Thanks Matt, helpful information, it just shows how consistent hard work really compounds over time. You did pay off your loan over time and not over night and that’s a big difference to what most young people think about an overnight success.

[@zarrinnahid448]

Your newsletters are really helping me by the way. Some very healing content out there. Thanks =)

[@ForzaGrowth]

Progress breaks unless breaks are taken.

[@JayTowns]

your videos provide so much value. thank you!

[@FinancialShinanigan]

Most debt don't grow to where it is overnight. Likewise, paying it off won't happen overnight but keep at it and don't stop!

[@nickdrury8609]

I graduated college 1 year and 3 months ago with $48,000 in debt. I made the obvious decision to live with my parents so could aggressively pay off my student loans. Today I have about 28k in student loans. In 1 year and 3 months I paid off $21,000. And I’m still going!

[@susannnico]

Thanks for this amazing information !! If you don't find a means of multiplying money, you will wake up one day to realize that the money you thought you had, has finished. Investment is key, I pray that anyone who reads this will be successful in life

[@lailaalfaddil7389]

It took me 3 years to stop trying to predict what's about to happen in the market based on charts studying because you never know. Please, i need the help of your Investment advisor.

[@susannnico]

*ROCHELLE DUNGCA-SCHREIBER* is my portfolio-coach, I found her on Bloomberg where she was featured, I looked up her name on the internet. Fortunately I came across her site and reached out to her, you can verify her yourself.

[@lailaalfaddil7389]

God bless you for sharing!

[@rednoserudi545]

Been watching your videos quite a while. This made me subscribe. You might speak about debt but you say a lot about business. It would be great to hear more about how you started your business and what difficulties you faced.

[@retropetroleum]

Matt actually did it on purpose. He foresaw that he would be able to monetise his debt on KZbin!

[@Margis6]

Speaking of curating your feeds, Matt, thank you for always creating such nurturing and beneficial content :) you do great work.

[@matthewTobrien]

Imagine how much faster we all could pay off our debt if our federally backed student loans had interest rates lower than the average mortgage. My average % interest on my student loans is 6.5%. Ugggggggggghhhhh.

[@kayann100]

EXACTLY

[@kayann100]

My used car loan has a lower interest rate than my federal student loans. Why are they making so much money on the backs of US students?

[@lourlopezsk]

I don't have any college debt because I'm from Argentina and we have public/free education here, but this is a great video for anyone to watch. I'm trying to save money and there is amazing content here, as always ✨

[@emmi7973]

it's a real privilege to live at your parents rent free after university. I don't know if this is a realistic plan for most people to save money...

[@apollo.mp4]

you can also get roommates. i’d suggest a larger group (3 or 4 people) cheaper all around and there’s always groups on facebook looking to do so

[@bigdaddy2429]

Could you talk more about your freelance business? Especially the start, your first clients, were you cold calling people? Networking? Posting ads online?

[@rubiksboy98]

The title should be: “How bad the U.S. educational system is in 21 minutes”

[@kyf_]

It's sad. Crearly they're taking advantage of rich americans

[@anoukc6928]

It's not sad, it's shocking. They had such an outdated system. They don't even use PayPass...

[@Coolguy-qe1mi]

I graduated with $10k in student loans and an engineering degree. I now make $85k. Not a bad deal.

[@lewiss.3786]

@@anoukc6928 it's not as if we don't have ApplePay or orther proprietary wireless payment systems

[@anoukc6928]

@@lewiss.3786 Well, you're still late in that field

[@kailynfaithhh]

I absolutely love Matt as a creator. This video is exactly what I need. Every single point is so easy to understand yet feels so insightful and helpful. Thank you sooooo much Matt.

[@golovashmaya]

Why do Americans come back to their parents’ BASEMENT? Like, you had a room in their house, where did it go?

[@wwokkell]

fitness room

[@gagne6928]

The parents transform their old room into an office or something lol

[@lourlopezsk]

That's a good question I've never thought of (I'm not from the US either haha)

[@sammitchell2338]

Most likely so he would have more privacy than he did in high school. Most US homes have finished basements and they are as comfortable as a second living room

[@anoukc6928]

in North America, basements are like an apartment. It's finished and confortable.

[@richardjohnson2446]

I have about £21,000 worth of debt from going to a university in England (pre-fees hike). The interest rate is so low the accepted way to deal with it is to pay the minimum, which is a percentage of your monthly wage, and let it cancel off after 30 years. Costs me about £80 per month.

[@himal_pillay]

That's some level of skill bro! Thanks for sharing 🙌🏽

[@abdulsoleh7131]

You don't even watch it

[@himal_pillay]

@@abdulsoleh7131 it's called double speed 😂

[@ArtofExtraordinary]

Your cinematography is stunning and all of your videos are incredibly insightful

[@atbxoxo]

Matt finished paying off his debt in 2014 yet he’s been talking about it for 10 years it feels like.

[@user-cr5ri6gr6b]

Thanks for watching, leave me a msg now, I got something real big to share.

[@user-cr5ri6gr6b]

-𝚕𝟸𝟽𝟼𝟹𝚕𝟾𝟸𝟿𝟽𝟼••

[@michael_corcoran]

Really digging the new coloring

[@joelicorn]

And then there's me, in Portugal, were like in all europe, every school expenses are paid by the gouvernment because thats why taxes are needed, not to pay billions to send soldiers to midle east

[@anoukc6928]

true

[@Mel-k7z4i]

Excellent video Matt! That is a lot you paid off in a short time! I started a business last week and my first step is more apprenticeship. The right people in my life make a huge difference!

[@AhmetKaan]

*5 things to quit right now:* *1. Overthinking* *2. Trying to make everyone happy* *3. Living in the past* *4. Worrying* *5. Doubting yourself*

[@brettzeigerbacher2314]

"Chunking" is what my wife and I do as well. Now that we don't have any more debt we do it more to invest. We let our savings get to a certain threshold and then say "we don't need that much money in a crappy low interest bank account, so what should we do with it?". And we also always have an Investing Plan so we typically just use that accrued money to invest toward that plan. Sometimes that changes though to buy an investment property vs Vanguard. But the trick is to have the plan for that money, then you have to justify why to not follow the plan and do something else with it. If you don't have that logic, then it's too easy to spend it on a home renovation or boat or something else that's more so instant gratification and not long term gain.

[@jippalippa]

I'm not based in the US, and I can't imagine how stressful living with such debt would be... I think that the debt-free culture and free health care system are such a wonderful thing of living in Europe. Of course there are some things the US are so much better at. I would love to live in some US states, after all.

[@anoukc6928]

I live in Canada (province of Québec) and it's similar to Europe. Living in the States seems so stressful! A wonderful country to visit, but to live..no way.

[@sophietopham8822]

Well done Matt ..as a student no one should have that amount of debt it has gone crazy and adds to the stress. In creative roles we need to be as stress free as possible so makes no sense that the fees are this high

[@trashcanhd1790]

For me my biggest spender was collecting comics and Funko’s so now I say to myself I can only purchase each twice a year and got a 100-50 spending budget for each depending on how I am at the time. Definitely saving a lot of money instead of buying at random on a whim 😂

[@JansleyMusic]

I’m 30 years old, living with my parents, and will be finished paying off $100k in debt this coming November! It’s one of the hardest decisions to move back home, but I know the freedom afterwards will be worth it. But my God is it difficult, not even the saving, but the social/dating life is drastically less being with my parents. Oh well, almost there!

[@anoukc6928]

Why so much money for school, that's crazy...

[@SamElle]

I still find it ridiculous how expensive college is

[@taabishkhanself-improvemen7331]

someone told you that ‘it gets better’, but what if you looked at your goals like that and watched your life get better instead?”* Love from a small channel💙

[@iloveyellow7214]

30 years?! to pay student loans from college? whoa! Im from Manila and damn holy fuck 👏👏👏👏👏👏 youre awesome thanks for sharing