How I Went from BROKE to Financial Freedom | frugal living + minimalism

Here's how I went from broke to financially free -- it wasn't easy and I struggled a lot, but I'm here to show you it IS possible! From learning how to save money to paying off debt to finding ways to make extra money, this is the story of how I escaped generational traumas and bad money habits and found financial freedom!
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ABOUT A TO ZEN LIFE
Along my journey to let go of 30 years of clutter, I accidentally became a minimalist and it was life-changing.
Before, I was an emotional hoarder with nothing but the clutter from lost loved ones - and $25,000 of debt - to my name. Now I have a beautiful home in Europe, a happy family, live debt-free, and - best of all - wake up to a life that I’m EXCITED to live every day.
My mission is to help you conquer your clutter and simplify YOUR way to a happier and better life. HERE'S OUR STORY: atozenlife.com/about-a-to-zen...
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[@AtoZenLife]

Have you ever been laughed at or made fun of for not having money? Please give this video a like + comment below! 🤔Right now until St. Patrick’s Day you can save 50% off the 50-page minimalist budget bundle with the code LUCKY50 or by clicking this link: shop.atozenlife.com/discount/LUCKY50?redirect=%2Fproducts%2Fminimalist-budget-binder (Limit one use per customer. Coupon applied at checkout. Sale ends midnight March 17th, 2024.)

[@gwenj5419]

Yes. A friend of mine used to comment about my mismatched thrift store clothes. She always had cute, matched play outfits.

[@annissa8959]

Not personally, but I think it is as unsensitive as joking about someone's disability or illness in their face! 😢

[@MsVanja17]

I was laughed because i didn’t go to fancy holidays, and not drive extra expensive car.. but i end i laughed more because i never had any credit or any credit card in live!!! I drive good car what i buy in cash not credit, i go in holidays and i live much better then 95% of people around me because i don’t own anything to anyone 👍🏻

[@kimgordon3695]

You & Warren Buffett... 🥂

[@dianad1084]

Can you please link where from social security you got those statistics?

[@rannyorton]

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

[@belljoe]

Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@dawsondanny990]

I thought about investing in the real estate market, I heard that people make millions , but I lack good knowledge and a strategy to outperform the market and generate good yields. I have $460,000 but it's hard to bite the bullet and do it. Money is hard to come b

[@latanyaconlontl5849]

I began my investment journey at the age of 38, primarily through hard work and dedication. Now at the age of 40, I am thrilled to share that my passive income exceeded $100k in a single year for the first time. This success reinforces the importance of the advicmonth e mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.

[@belljoe]

interesting ! can u share more details?

[@latanyaconlontl5849]

She's known as Julia Hope Marble''. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@Lisaruthdecker.]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@elease.eichersli]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .

[@noah-greene]

Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn

[@spacecadet6]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $750k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@emmaarmando]

@@spacecadet6who is your advisor please, if you don't mind me asking?

[@spacecadet6]

‘Gertrude Margaret Quinto’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@RebeccaPierce-jw1ox]

🌹I'm 51 and feel bad for younger generations. They wants so much - a big house, new car, vacations, designers clothes etc.. and feel deprive whenthey have to sacrifice. I was the same way but some things changed as I got olderI stopped wanting all that stuff and just feel content having a big stack of cash saved and invested to help me stay afloat through retirement

[@JeffreyPrice-nr2to]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits, such as regularly setting aside money for sound investment...

[@ArneDevos779]

Money invested is far better than money saved, when you invest it gives you an opportunity to increase your financial worth

[@KyleighBouchard]

It's remarkable how long term advantage people like us have gotten trying to be consistently not stupid, instead of trying to be very intelligent

[@Selva211]

The wisest thing that should be on everyone's mind currently should be to invest in different streams of income that doesn't depend on government paycheck. Especially with the current economic crisis around the world , this is still a time to invest in Stocks, Forex and Digital currencies

[@JoelGray-hp3sm]

I keep seeing how lots of people testify about how they make money from stocks, Forex and crypto currencies (BTC) and i wonder why i keep losing.. Can anyone help me out or at least advise me on what to do 🙏.

[@Riggsnic_co]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@Jamessmith-12]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

[@Syndiewndell]

Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.

[@JacquelinePerrira]

Impressive can you share more info?

[@Syndiewndell]

Credits to 'Carol Vivian Constable' she has a web presence, so you can simply

[@JacquelinePerrira]

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

[@JessicaThompson.]

Given the current uncertain circumstances, it's crucial to grasp effective financial management, prudent investing, and adeptly maneuvering through economic downturns. However, my main focus revolves around boosting my stagnant reserve of $240k, which has remained idle for far too long with minimal to no growth. While I'm committed to the long-term approach, the erosion of my savings due to inflation and the daily depreciation of my portfolio demand immediate attention and a solution.

[@EmilyMartinez.]

Explore the opportunity to engage financial advisors, estate planners, or tax consultants. Leveraging their specialized skills can support you in making informed financial decisions.

[@EthanBrown_23]

The significance of advisors often goes unrecognized until emotions cloud judgment. I remember a couple of summers ago, during a challenging divorce, when I needed significant assistance to sustain my business. Turning to licensed advisors, I discovered someone highly qualified. Despite inflation, she played a crucial role in boosting my reserves from $275k to $850k.

[@trazzpalmer3199]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@EthanBrown_23]

'Laurelyn Gross Pohlmeier' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@ChristopherDavies_]

I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.

[@LJernegan]

I am 50. What I have learned is that while these goals may seem to take a long time, the time will pass. You can get where you want to be with small steps taken each day. The sooner you get started, the easier it will be.

[@AtoZenLife]

This is so true! 💯

[@cjhoward409]

Same thing goes with fitness. One day at a time. And being consistent is key !

[@katfangtastic1420]

I just made the final payment on my mortgage last week, almost 10 years ahead of schedule. I've not let my eye off the prize for the last few years now, ever since I decided to buckle down and get rid of my mortgage. Being completely debt free is such a liberating feeling 😊. I've loved your content along the way, keeping me motivated not to spend my money on frivolous purchases - so thank you for that! ❤

[@AM-bm2xw]

Congrats on paying off your mortgage, what a huge win!

[@katfangtastic1420]

@@AM-bm2xw Thank you!! ❤️ It's such a relief and I've been waiting for this day for years - yet now it's here, it almost doesn't feel real somehow. I'm sure it will sink in next month when I start planning investments etc more seriously. Thanks for your kind words.

[@irmapatino167]

Congratulations 🎉

[@kimgordon3695]

People need to know HOW Pay 10% to principal every mo. Pay off in 1/2 the #TERM. 📣

[@kimgordon3695]

#PABLOPICASSO

[@Maniakkkkkk]

The best thing and the simplest thing you could do is make sure you're investing $1000 into your brokerage or retirement account every month. If you aren't able to, figure out how to come up with some extra cash. Your future self needs it.

[@Lewyn298]

Love this! Investing isn't as difficult as many think. It requires diligence, which people often lack. If you are starting out with a big chunk, that's where a financial advisor comes in handy.

[@thelooseseal]

Low six-figure income, no debt, nearing mortgage payoff ($800k property), age 43. Invested over 15x annual salary, amazed by focus on scraping by in retirement. Aim for surplus. My goal: retire at 50 with $5M. Unless the markets crash, these two points should align. I'm quite lucky to have started working with a financial advisor early.

[@Wendytsang12]

This is mind blowing! As a young adult inheriting about $500k and new to stock investing, I'd greatly appreciate it if you could direct me to your advisor. I can't afford to make costly mistakes.

[@thelooseseal]

"Jill Marie Carroll" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@Wendytsang12]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@LizzieMcG_bahdi3]

I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.

[@AlisonStone-yc9ri]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@KatieBrookes-ob2qs]

Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.

[@AnnieBeckford]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one

[@KatieBrookes-ob2qs]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@SamanthaCole-yq4ov]

I just googled her 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 caII.

[@RobertBrown..]

As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns

[@champhallier8468]

I believe the safest approach is to diversify investments especially under professional; guide. You can mitigate the effects of a market meltdown by diversifying their investments across different asset classes such as stocks, etfs etc It is important to seek the advice of an expert.

[@SarahTaylor_]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@JackHudson.]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this coach?

[@SarahTaylor_]

KENNA MURIEL HESSELING is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@tunnelvision3246]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@kh0034]

When someone says something so hurtful and negative to you, they are probably in a hurt and negative space themselves. Not to excuse their ignorant and destructive behavior but to keep in mind your truth and what's really important to you. Those are people to stay away from. Sorry you went through that horrible situation.❤

[@meerir5754]

Or they’re just an asshole. It happens.

[@francoisea.1713]

Don't forget companies, they hate minimalism. They write undercover troll text too.

[@pippas5808]

If a person's identity and feelings of self worth rest in the amount of 'stuff' that they have, they are going to feel threatened by anyone who doesn't need a lot of 'stuff' to feel ok.

[@veronikab1607]

My thoughts 100%! Its important though to keep that in mind and not get irritated by such mean comments. ❤

[@kh0034]

Thank you. I hope this helps others with this situation❣️​@@veronikab1607

[@JawlineDaniel]

I still recall those early days, hustling hard to save every dime. It really paid off! In just a few years, I managed to stash away a cool $52,000. Back then it felt like a drop in the ocean, but boy, did it balloon into something substantial over time. Lesson learned: form good habits, every penny counts on the long run

[@AlexMorgan-ti6nv]

You're right. despite saving since my 20s, at 40, I have to avoid luxury splurges, stay updated about tax-efficient accounts and prioritizing retirement are crucial. I've seen many struggle, but early saving helped me avoid those challenges

[@RobertNoppers]

right, If only I'd done that earlier. health issues nearly led to my retirement at 56. Despite past financial errors, I invested wisely. Now, two years later, I've saved $1 million, nearing my $2 million goal for retirement at 60

[@MikeDavis-zg2ud]

you are lucky to have turned things around as timely as you did

[@RobertNoppers]

it was research, not luck, led me to Emily ava milligan, one of the best fund managers. 300k to this, definitely not

[@MikeDavis-zg2ud]

After I pasted her name into my browser, her website appeared instantly. It's tough to find tangible examples like yours to reference. Your share is appreciated

[@robinobrien6671]

An emergency fund is the best gift you can give yourself. Two weeks ago I had to fly with my family at the last minute when my father died. There were many unforeseen expenses. Grieving a parent is hard enough without worrying about how to cover the cost of travel, accommodations etc.

[@ShareHeart1218]

I’m so sorry for your loss. The loss of a parent is so difficult.

[@vedasindhoora187]

Sorry for your loss... ❤

[@narobiwilliams6742]

Prayers for your family. I am sorry to hear!

[@robinobrien6671]

@@narobiwilliams6742 ♥️

[@robinobrien6671]

@@ShareHeart1218 ♥️

[@Greggsberdard]

It's enticing to consider purchasing some stocks in this bull run. I'm contemplating investing more than $300k for retirement. While the bull run can generate short-term excitement, i also need long-term investment strategy

[@VictorBiggerstaff]

It seems like there's potential, but caution is warranted. hence I will advice you get yourself a financial advisor that can provide you with entry and exit points

[@crystalcassandra5597]

Having an investment advisor is the best way to go about the stock market right now. I used to depend on KZbin videos but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

[@grego6278]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@crystalcassandra5597]

Sharon Lee Peoples is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@lolitashaniel2342]

I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@stevenrue3654]

This is the type of woman that will have you retiring early with millions. I wish one for everyone.

[@Linda.xing-tj2fh]

Great video, Transitioning from broke to financial freedom is a journey that requires careful planning, especially when it comes to investing and securing a stable retirement through a 401k plan.

[@wehrine]

I've been exploring ways to break free from financial struggles, and investing seems like a promising avenue. But with limited resources, I'm unsure where to start.

[@Thomas-ff7wn]

Investing in a 401k plan could be a solid first step. It allows for tax-deferred growth and potential employer contributions, setting the foundation for long-term financial stability

[@Thomas-ff7wn]

Have you considered maximizing your 401k contributions?

[@wehrine]

No​@@Thomas-ff7wn

[@Thomas-ff7wn]

Consider employing the services of an advisory firm. They will help you create a game-changer opportunity for building wealth.

[@Pinkbear20]

I am in my 40s but growing up I was bullied for my clothes. People would say, "She is wearing that shirt again." The worst was when I accidently went to school with the clearance tags on my shirt from Walmart. You can imagine I was bullied for being poor. Even in college I wore a cheap watch my mom got me. My boyfriend in college was wealthy and he asked me what do you consider to be a normal amount for a watch. To this day if I need clothes I will thrift or go to Walmart and I still wear the cheap watch from college. People can be really mean. Now I don't care about their opinions anymore.

[@RussellCambell]

I once watched a TV show where they were interviewing teenage girls who had affluent parents. One girl said she spent $600 a month on average on clothes. I think in my family growing up that would be the clothing budget for the whole family for the entire year.

[@jeannette7243]

I am really sorry that you had to go through that.

[@thesugarwitch_co]

I'm almost that age and went to a school in a district full of affluent asians that were very brand oriented, and I had a hard time whenever they asked about my clothes after finding out they were non brand or hand me downs. My friend's mom started giving me her used brand name clothes, and my mom later got a part time job at Macy's to get a discount on brand name clothes. I ended up becoming more punk in lifestyle because screw all of those people.

[@Pinkbear20]

@@thesugarwitch_co thanks for sharing your story. I am glad that you are able to be fully yourelf

[@teeeteee000]

Not caring what people think comes with age. The older you get, the more peaceful your life becomes because people and their bad energy doesn't phase you one bit.

[@JT-um9ss]

Trailer trash? Seriously? You're smart, financially savvy and absolutely gorgeous! Keep up the great videos!

[@denisecarter5117]

We were invited to a millionaires condo to stay for a church conference once. He was so kind to us including taking a few couples out for Peking duck. He drove a very old car and wore old out of style clothes but he owned all these condos on the beach and gave away money to help others. You can’t tell what someone has and calling them trailer trash is just being stupid and unkind. I hope she sees herself in my comment and learns something.

[@Joy-zp5lv]

When you shared your collage story I was hoping to hear: And then a girl gifted me a pair of warm boots .. Sadly it wasn´t that! I agree with all 7 points you made but I think one is missing: GIVING! Even when I was a single mom always struggeling I gave a small amount each month to those who had even less then me. My kids are grown up now and I´m in a much better financial situation but I´m glad I always had eyes open for people in need. I´m a firm believer that everything you do/give will not be in vain. And I´m happy that my kids adopted my behavior. Hugs from Germany 🤗

[@AtoZenLife]

While I didn’t get a pair of shoes, my second cousin (who was a security guard on campus) did see me without a coat and lent me one with the promise that I would give it back, because it belong to his late father. I wore that for a while until I could afford to buy my own ☺️ And of course, I took good care of it and gave it back!

[@Joy-zp5lv]

That´s great! There are good people!@@AtoZenLife

[@kimgordon3695]

Tax Man loves YOU

[@E.Bronwyn]

I would much rather be like you than whoever made that "trailer trash" comment. I don't know how they live, but they clearly didn't learn any manners.

[@kimgordon3695]

Kid Rock has our song Smart: #WTP 🎶

[@Walperion_Music]

What if that "trailer trash" commenter was Warren Buffet...

[@the_cat_stacks]

You can do so much at your local library! They've got books, music, movies, streaming services, household things, there's so much there. And all you need is a library card! Which is free! Go to your library people!

[@buckeyedav1]

I love my library. Anna In Ohio

[@silviak.s.8236]

I agree! I love libraries too !!! Everywhere I was living in I had good experiences with. Yes, 4 countries. If you are new in a new country or city I can totally recommend it yes, try it out. For me it was always a game change. Specially if you begin to learn the new language and you’re finding out ways to get to know nice people, and new ways to volunteering in a new place. 🙏🤗👍

[@MyFocusVaries]

You have overcome alot of trauma. Your partnership with your husband is quite amazing.

[@ashleymcgee3536]

It’s so sweet of you to give the benefit of the doubt to those around you who didn’t understand your situation, but it really does go to show that you should always be kind because you never know when someone is going through something.

[@MsMyers-ui8ci]

Many ppl are not supportive of living within your means. PPL think you are struggling or poor, or that you don't REALLY want to not shop or go out to dinner, you must be broke. Its really amazing. My friend group is drowning in debt but they are critical of me for being frugal.

[@missymischief1802]

I have had the same experience. People love to judge. I have few wants and enjoy my simple lifestyle, knowing it’s want less that creates more wealth.

[@kimgordon3695]

Imagine their opinion when they live in their Car...

[@sarahlockridge7879]

My steps I took to be financially free: 7 baby steps of Dave Ramsey's plan. Life saver

[@carolinewehmeier6602]

Yes!!! Same!!! I love Dave Ramsey and Marissa Zen. Both helpful and inspiring.

[@dayday8332]

I can’t believe someone called you trailer trash. That comment says everything about them and nothing about you! There are always haters. I think you are FABULOUS!!!

[@AtoZenLife]

🙏 ❤️

[@roxanaescolar187]

well said!!! ! --- "I'd much rader live below my means and be comfortable and frugal then try to live according to someone else's standards and end up going broke trying to look rich" !!! --- I would make myself a frame with that quote 👏👏👏

[@AtoZenLife]

Glad you appreciated that! 🙌

[@Ramona-fu2kp]

Ich bin in bescheidenen Verhältnissen aufgewachsen. Wir hatten als vierköpfige Familie eine 2 Zimmer Wohnung, so dass wir alle in einem Zimmer geschlafen haben. In der Schule haben sich die Kinder darüber lustig gemacht. Gleichzeitig mochte meine damals beste Freundin ein anderes Mädchen mehr, weil sie immer tollen Urlaub machen konnte und schicke Kleidung trug. Das tat weh. Auch wenn es mir heute finanziell wirklich gut geht, habe ich nie vergessen was bei Menschen wirklich wichtig ist.

[@cennetruezgari5121]

Das kenne ich auch. Meine Eltern kommen aus der Türkei. Ich weiß noch genau wie wir immer auf pump Lebensmittel gekauft haben das nennt sich auf türkisch veresye. Samstag war immer der schönste Tag für mich weil wir dann immer eingekauft haben. Als Kind war ich noch nie in meiner Heimat gewesen weil wir als sechs köpfige Familie kein Geld dafür hatten.Ich hatte auch kein eigenes Zimmer. Wir haben zu sechst in einem Zimmer geschlafen. Um meine Privatsphäre zu haben habe ich mein Walkman benutzt und mich zur Wand gedreht . Manchmal habe ich lange aus dem Fenster im Bad geguckt weil es irgendwie keine Perspektive gab zumindest war ich zu jung um Dinge zu verstehen. Uns haben auch Nachbarn was zu essen gegeben. Später wurde es besser .Es war eine verdammt harte Zeit. Ich bin sehr dankbar dafür dass ich heute meine eigene Wohnung habe. Mir war das heiligste immer ein Rückzugsort und den habe ich jetzt.

[@heatherncasey2004]

People are so strange. Why would they feel the need to be rude to you? You give wonderful ideas and advice that can really help people. You are inspiring. Keep doing what you are doing, you are fabulous!

[@jenniferlundquist1712]

Those negative comments are so bizarre, you seem to be living such a rich full filled live!

[@nataliepadilla1568]

I am 37 years old and work at at gym i wear the same 2 outfits even though i work 5 days a week. I know my peers judge but at the end of the day if i buy a new outfit it will take away from our necessities.

[@staycehale5903]

Do you have a uniform or wear workout clothes? If you need/want another outfit. I’m trying to get rid of some clothes. I could donate :-) but no worries if not! Nothing wrong with that 👍🏽👍🏽

[@AyHess]

I had holes in my shoes in college which was fun in the rain….also got stuck in a parking garage bc I couldn’t pay to leave. Same thing with toll booths. Good times- much better now!

[@angelaraymond3271]

We are slowly making our way to saving to buy our first home, me and my boyfriend are still quite young but we are both proud how far we have both come, for me personally I have never found much value in buying stuff, we live very minimally to the point that some family almost look uncomfortable when they come in because our home to them is way to empty, but we just love it and it’s so simple to manage and clean, I am on a no buy challenge but to a even greater extent, we are challenging ourselves to see how little we can spend so we can start paying down debt and saving. We know when the time is right our perfect home will reveal itself and it’s so much fun and inspiring to be able to get closer and closer to that goal quicker and living financially free. We love the lifestyle we have created for ourselves now it’s just a manner of maintaining it better and getting more and more clear on what brings us lasting value.

[@kimgordon3695]

Beautiful

[@amandalorian8317]

It’s not a good idea to buy a home with a boyfriend. The legal protections of marriage, particularly for women, are pretty important. Whatever you do I hope it works out well for you.

[@cynthiameinhardt3315]

You are absolutely amazing!!! Congratulations on Financial Freedom!!! I’m sorry that that person was rude! You are awesome!!!❤❤❤

[@AtoZenLife]

Oh man, I wish people could get paid $1 for each rude comment - we’d probably all be financially free on that alone. 😂 Thanks for watching!

[@MyFocusVaries]

❤️ what a terrible judgemental comment. Mostly on poor people. Because it doesn't apply to you. But just so mean to use that term to talk about people who are just unfortunate.

[@buckeyedav1]

I am retired now and on a fixed income. My house is paid off, my 5 year car is paid off and only has 24,000 miles on it which at the rate I use the car will last the rest of my lifetime. While I am frugal there are always new things to learn about saving money. One thing I have recently started doing is donating heavier blankets they are harder to wash and dry and take up a lot of energy to do so. Thinner blankets are easier and if it's really cold you can always layer thinner blankets. That's my frugal tip today. Anna In Ohio

[@rachelskirts]

I just read that same statistic (in "The Miracle Morning" book) and felt so grateful that I had an extraordinary amount of help in getting out of student loan debt and credit card debt. I'm still learning so much about financial freedom (and have also been reading "The Financial Diet," by Chelsea Fagan) and appreciate your advice so much!

[@AtoZenLife]

Such a good book! Thanks so much for watching. 🙏

[@amarissaburtness4276]

Your story about being freezing cold at college was so sad. I wish I could have been there, I would have given you a coat and boots for the winter. We’ve never been rich, but I’ve never had to go cold either. I wonder why people just laughed instead of trying to help. Sorry nobody helped you!

[@cassandras1688]

At the very least send her to a place for free coats or the thrift store to get cheap coats and boots. That professor was disgusting no matter what the motive.

[@DawnyG]

You and your husband have overcome quite a bit, and seem to have a wonderful relationship and life. Be proud and screw the trolls and naysayers!

[@SuperSweetgirl007]

I would have share my coat/clothes with you. I did many times in college with my friends. Thanks for sharing 💗

[@meetkass]

Me knowing I need to track my speeding thinking “booooo to step 2” 😂😅 it’s baaaaaad 😳 but if you want it you’ll face the hard truths 🥰

[@mountaingarden8823]

Do it! I started tracking last year and was so surprised how much money I was wasting 😮 By tracking and then creating a budget, I can retire 2 years earlier than I was expecting 🎉 Two years of my life not wasted to earn money for impulse shopping and junk food.

[@karenmccormick9315]

I love your videos and look forward to them every week. You are very inspirational. I gave up meat and most processed food a couple of months ago. I could not believe the reduction in my grocery budget. Great way to save money and become more healthy.

[@AtoZenLife]

That’s amazing, glad you were able to save! 🙌

[@malloryjohnson6192]

I’m shocked that someone would call you trailer trash 🥺 I apologize on behalf of them. I wish we could be friends in life, I love the zen vibe of your channel, and I love your content. I appreciate you being so purposeful in your lifestyle, I want to be like you! :) with all your trailer trash included 😜

[@patdennis2586]

Good reminder that none of us knows the struggles our fellow humans are dealing with on any given day. Kindness and compassion are the best response.

[@kimgordon3695]

good reminder

[@clydare]

Love this video Marissa. I too came out of an abusive relationship which cost me a fortune. My only regret is that I am too old now to implement a lot of your strategies but the great news is that I am debt free and intend staying that way. Again very many thanks 🙏

[@megwood4556]

The sock story - thank you for your openness about such a painful time in your life. Youre amazing .

[@davidd.8256]

My godparents told me that you may not be able to save yourself rich, but you can spend yourself poor. Good wisdom!!

[@chiquitaking260]

Thank you. This video is right on time for me.

[@melindanickols228]

Unbelievable how cruel and totally ignorant people can be- calling you “trailor trash”?!! Unfortunately, he’s the one who is acting “trash”. Very sad that he doesn’t see that about himself 🤔 .. life has a way of showing people eventually who choose to relate on such a low level, whoa to him 🤐 - You are a complete delight Marissa!! I appreciate you and love seeing you every week!!! Thanks for always being authentic, transparent, and encouraging in your content 🫶🏻🥰

[@jenpisano5954]

When I saw the trailer trash comment I gasped out loud! When I watch your videos I ADMIRE how your house looks and how you dress! You and your home, your lifestyle, your family- you look CLASSY, inviting and your home seems comfortable and feels loving to me. I admire you’re style and look!!! And LOVE your content!!! I work more and more to be more minimal!!!😊

[@AtoZenLife]

Thank you so much for your kind words and support - comments like yours are so much better to read than the other kind 😂

[@jenpisano5954]

@@AtoZenLife❤

[@lilouhl9012]

I grew up in a broke family with compulsive buying problems. The first part of my aldult life was not as bas as my family's but still messy. I started to follow you a while ago, and you inspired me to get rid of my clutter and my debts. I'm now free like a bird and closer to achieving some of my biggest dreams with my savings. Thousands thanks 🙏 PS: I feel sorry for the people who are leaving hateful comments. There must be something wrong in their life.

[@carmenlheureux5435]

I appreciate your personality and your tips. Keep up the good work ❤

[@janethdiaz7471]

I Love your money tree metaphor, you have to PRUNE the dead leaves for new money growth,

[@chgomez101]

I love your videos! Please keep them coming! I’m very inspired by your journey. Thank you for always being so transparent and helpful! ❤

[@seanroger6954]

Following the current inflation rate, FIRE and Retirement plans should be out of the options with seasonal job layoffs included! at this point having a job doesn't mean security rather people should join a business trade and build more streams.

[@johndeanconway7931]

ensure you add value to your life first not always to your employer, everyone is replaceable. I am always making sure of this to ensure my own sanity and future security.

[@donnahensley2459]

After the massive layoffs, I have defaulted on debts, my savings are lying waste to inflation and my portfolio losing gains everyday. It’s all leading to financial exhaustions and depression.

[@joerobert1801]

Big ups to everyone working effortlessly trying to earn a living while building wealth even after the massive layoffs. My wife and I we are both retired with over $2 million in net worth and all paid off debts. living smart and frugal with our money, made it possible for us this early, even till now we earn passively with our asset coach. Adapt to a lifestyle, be thrifty, set a budget, save money and build more streams.

[@joerobert1801]

Fine steps! you could also take advantage of some growth stocks at the moment, every pro is currently bagging some digital dips. For me, my coach Margaret ann myatt my advisor has been using every opportunity to ensure I benefit, well positioned as I’m also privy to improve.

[@mondimlotshwa3958]

Protect yourself against your job, Run a side business or contribute to an open earning project streamline that is unrelated to your day job, that way you develop an independent skill against layoffs.

[@schuylergeery-zink1923]

Whenever people are toxic af I think “oh no! I’ll just keep being successful and you just keep being negative over there!” 😂 can’t make everyone happy and if you’re irritating the cranky people then you’re doing something right, take it as a compliment! 💖

[@RP-fy4jx]

I like you and the advice you provide even more now after hearing your background, thank you! And I am very happy to see and hear you have gained financial freedom, well deserved!

[@susanfleming496]

Thank you for another informative and insightful video, Marissa. It really shows how much care you put into creating your content. Great job! ❤

[@rodneyenglishmadlitt9865]

Pure GOLD - thank you for the awesome advice!

[@shaunaleessnackidies]

Proud of you, girlie! ❤❤❤

[@annettehan6091]

You’re amazing, and I really enjoy watching your videos. Thanks for being you and keep being you. ✨⭐️

[@3dchick]

You have such an admirable attitude; you inspire me to keep trying. ❤

[@AtoZenLife]

❤️

[@daughterofzion3884]

Such an inspiration, you are a strong women. Thank you for this video 🫂

[@mariacabrera2850]

I have no debt since 2011. I paid off my credit card & vowed to pay cash & not get into debt again. I just got a secured credit card a few months ago to build my credit. I'm working two jobs to help my kid through college. I'm also looking to make some improvements in my home.

[@LemonDust13]

Good for you escaping that relationship. Been there done that & know it's never easy 💪

[@WhereIsDustin]

I remember well… I was so poor when I was just 13 years old when another student called me a name just because my socks 🧦 had holes in them… I’m financially independent now. Thank you for your kind videos. ❤

[@AtoZenLife]

My husband only had one pair of shoes and socks, same situation as you. 😢 Thanks for watching and sharing your story 🙏

[@InnerGiggles]

Dustin, I can relate. I have too many socks now. But I still mend them and wear them until they can’t be saved. Then I use them to wipe things down and clean around the house. At 13, we just don’t understand the value of not filling the planet would trash. Or any clue of how to work for all the things that are bought for us. Kudos to you for reaching financial independice. I’m very happy for you!!!

[@blessingjob9583]

I need to be financially independent but it seems impossible when living from paycheck to paycheck. Also, even when I have saved some money but I don't know what business to do with it rather than still working my ass for NHS😢 Recently, I developed interest in buying stocks or crypto coin but I really need a coach/mentor

[@carmenmendez1339]

Thank you so much for your shared knowledge, which is very helpful! I just became debt-free and working towards a 6 month expenses savings.

[@youdeservethis]

You are NOT trash! Trash is a state of mind and behaviour. From what I can see, you have a lovely home and you always look clean and tidy. Pish Tosh to that person who called you trash! Seems like it was envy calling you that!

[@Debbiesdilemmas]

Marissa you are to be applauded and commended on the success you have after enduring hard times. You’re so right about looking poor but being rich. The people that are so worried about appearances are the people that go broke. I don’t see any point in trying to impress people. I was never the type of person willing to sacrifice my finances in order to look rich. My husband and I started our lives off together being more concerned about buying a home and paying off debt. My husband was even able to retire early as we always lived beneath our means. Sacrifice now so that you can relax later.🥰

[@kellythomas7555]

What a fantastic message! Thank you so much! Wish we had started this financial philosophy earlier in our marriage, but so glad we finally did. What peace of mind!!!

[@gracelewis4173]

Such an inspiration, thank you!

[@calebwiggins3042]

That is an old quote that earl Nightingale use to give when talking about how to become financially independent and successful

[@michellescerri6501]

I cannot believe that people can be so mean. Thanks for these great tips.

[@kevinmorrell7730]

Your story is very inspiring. Thanks for sharing

[@aliciamarana]

Having a plan brings so much peace.

[@shannonk4653]

There will always be haters. Thanks for sharing your story. I respect your journey and how far you've come and all you've done! Keep at it!

[@melinam7216]

Ok that wooden bed frame around minute 5… is it a Thuma ?? I’ve been shopping around for something all wood that will last and can go with any or most interior design styles. Thanks for the video!❤

[@shantakoa8596]

Amen. I admire that you live a frugal life. You’re doing great for yourself and you are succeeding. Thank you for sharing.

[@kennethbailey9853]

You only make Positive Possibilities for All of us !😊

[@vanessadeonarine7038]

Simply intelligent.. thank you for your tips😊

[@coetroy]

Such great advice, clear and concise. I’m so thankful I found your channel. Side note: I love your attitude toward negative comments and personally I really appreciate your minimalist surroundings. I’ll be diving into more of your videos for sure.

[@MoneyBossInTheMaking]

Watching and supporting 🤩✌🏾

[@MoneyHabits1]

I love your philosophy! Living with intention is not always easy. You will always have haters, I never give them any energy. Keep going!

[@Tux.Penguin]

❤ Great advice, Marissa. I appreciate the book list you included in the description. I already have The Total Money Makeover (which is a gold mine) Now I’ll need to check out the others in your list.

[@katieee962]

The total money makeover book and Dave Ramsey’s baby steps helped me to be debt free. It’s a hard journey but, it’s worth the effort. 😊

[@kellyemedia]

That was a dick move from that professor. Glad you don't listen to silly comments either. I enjoy your videos very much and appreciate you putting positive practicality out into the world.

[@DallasTechie]

You have a beautiful family !

[@helenapayne3414]

I think you are an inspiration and someone to emulate. You have been honest about the struggle with emotional hoarding and how to live well and avoid falling into feelings and fears related to it. Loved your beautiful place in Germany, and have followed your very relateable struggle with moving back and starting over and dealing with things out of your control. Through this you plan and think, and I love that!🌟🐥

[@AtoZenLife]

I appreciate having you here through all the ups and downs! 🙏

[@mcanultymichelle]

Wow.Honey you have been such an inspiration to me .I love the clean simple look of your home ,I sold my forever home to start over and recreate the simplicity of your home .It’s far from trailer trash .It’s not easy to create something so airy and calming.

[@LisaGrace]

Make sure you keep saving/investing enough that if costs triple (like they did over the last four years), you can still afford your lifestyle. Doing a side-hustle you love--helps too.

[@kimchoo4162]

I think minimalism is great! Whatever you own owns you. I would rather spend my time growing good food, evolving spiritually and being a mindful citizen to Mother Earth than trying to impress others and buy useless items that do not benefit me. I think you are very inspirational and you are in no way trailer trash. Thank you for sharing your experiences.

[@naturalsoulsister]

Well said 🤙

[@ArnoldQMudskipper]

"Trailer trash"? Sounds like someone's transferring 😂

[@Missmickaok]

Probably he/she was in the same situation but couldn’t overcome so hates everyone who’s happy 😢

[@user-ru5im2zx7t]

Your house looks amazing. So clean and tidy

[@wildfoodietours6702]

Just stumbled upon you video and thank you for sharing your advice. I've always been a minimalist long before it became a thing, and it's one of the greatest tools to utilize to get more with less. I look forward to watching your other videos and hopefully one where you share how you and husband from China met.:)

[@silviacabrera630]

Omg! You are so right 🥰🙏🏻

[@AtoZenLife]

🙏❤️

[@sarala3717]

Thank you so much! We du have HYSA but watching your video made me check on it and I realised that we do have an old contract and making a new would make us so much more money. 😮

[@christopherhurley8694]

I love my Excel spreadsheets. Budgeting is easy and fun when you meet your goals. Financial freedom is part of true happiness. Love this video.

[@leticiaamorim2739]

Great tips. We’re also on a journey of reducing expenses to build our retirement wealth.

[@stacyb6278]

Thank you for being vulnerable and sharing your life. Your family is inspirational! I was born to parents who lived in a trailer. I now have a solid real estate portfolio. Where we come from is important, but where we go is more important! Let’s make #TeamTrailerTrash cool! ❤