How to become financially free.

[@DanielTitchener]

"As long as you're in debt, the money that you're making doesn't belong to you. It belongs to the bank" 🔥

[@amberkhan3692]

That quote really helped!

[@mjolninja9358]

I’m already trying to pay all my debts, $740k and I’ll finally be good

[@MariaAndersenCrypto]

Oh, so true

[@Shebacca6001]

Dave Ramsey is a god for being debt free.. I just wish I knew about him when I was 16 and not 23 with 80k in student debt with a degree that I can’t get a job in..

[@WTFIWFYDB]

@@mjolninja9358 How do you accumulated so much? It's like a lambo + medical college degree + credit card BS.

[@VictorRegouin]

The goal isn’t more money. The goal is living life on your own terms!

[@mjolninja9358]

Yep, learned that myself too. I;m currently paying off my $740k debt, it used to be like bigger but thanfully I’m able to pay some of it off

[@MariaAndersenCrypto]

YEAH!

[@jujuraffe3732]

@@mjolninja9358What? $740K debt? Thats a lot of debt! What happened?

[@pbear49]

Absolutely!!!! Victor.

[@Nikitinale]

@@mjolninja9358 goddamn, did you buy an island or something?

[@DizzyVision718]

I’m currently about $5,000 in credit card debt. Plus I owe back rent adding up to about $4,000. I’m very depressed about it being that my girlfriend dumped me as well so I recently got a 2nd overnight job to be able to sustain everything till my lease is up. After that, I might consider living in my car till I pay everything off. It’s going to be a long road, but I’m willing to take that journey in order to gain that freedom & piece of mind. Thank you so much for the motivation Matt. I needed this.

[@TheMadafaka123]

Hang in there man. Stay positive and work yourself out. You got this. Things will get better for you 🙌 Sending good vibes from The Netherlands.

[@Ghostzy01]

Got this bro I promise 🙏🏻

[@marto7357]

You have the absolute right mindset, good luck!

[@youcandobetter7115]

Grind for 1yr and you'll bounce back...5k in credit card debt is very manageable...there are no losses here just Lessons Learned...as far as your Ex...take the Red Pill...they will always eventually leave...they are never urs...only your turn...work on becoming the best version of yourself...Peace of mind is Key...good health and being financially stable...then entertain the females

[@michellengoart2466]

Wishing you the best of luck!!

[@Bianca.rantzsch]

This goes to show the prominence of a professional financial advisor's opinion or advice..

[@Gregfreemann]

Bianca Rantzsch | Your Way of Life, I know firsthand the one effective technique to grow faster with understanding the market & finance is getting in touch with an Fin.Coach. Coming from consecutive loss of portfolios ranging from real estates to bonds. I came to understand how capital, time, entry, exit and goals are all essential before investing after being passively managed - Yvonne Annette Lively's guide. Now I currently hold a $253k worth on asset, averaging a 15% mroi. I can I know for certain the prominence of an FAs opinion or management

[@joecaruso06]

@@Gregfreemann Most people don't plan to fail they fail to plan \ John L Beckley.

[@mvanwie]

@@Gregfreemann Just looked her up. Records are detailed but wouldn’t she sorta pricy for 11% m-roi I mean Yvonne Annette Lively

[@aliyunko9689]

@@mvanwie wow......thanks for the info insha allah

[@aliyunko9689]

@@mvanwie i look her she is price and i miss her call appt.

[@harrisonmichael5047]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking the bold steps we need in other to reach our goals.

[@raychristopher7797]

I think it's not always about fear, 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

[@harrisonmichael5047]

@@raychristopher7797 This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant by name MARTHA ALONSO HARA and everything changed. I started enjoying huge returns from my investment.

[@raychristopher7797]

@@harrisonmichael5047 Please, how do I connect with your financial planner?

[@harrisonmichael5047]

@@raychristopher7797 quickly do a web check where you can connect with her, and do your research with her full name mentioned

[@raychristopher7797]

@@harrisonmichael5047 Thank you, Going through her profile on her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.

[@thejoechee]

I lost my 4 year old business this year due to COVID-19 and definitely took up a LOT of debt along the way. Here's to starting from the bottom and climbing back out - 27 years old. Thanks for the encouragement.

[@DanielGoncalves-wg2ys]

Good luck man! Now with your experience you might climb back up in no time.

[@fatherleo4603]

So sorry to hear that

[@sidd.tsharma]

We are all in this together Joe. We will get through it, and come out of it stronger.

[@CarlosRamirez-to9is]

Best of lucks, hang in there

[@Andrew-it7fb]

That's rough. Good luck to you.

[@alyssajoy08]

I choose to go to community college where as an athlete I was able to have my schooling entirely paid for and I was able to work as a nanny, allowing me to make over $30,000 during my 3 years of school. Not many people can say that that was the case during their college experience. I am grateful to not have the debt associated with a 4 year college, however I did feel major pressure that I was making the wrong choice, that I'm missing out. I just graduated and passed my state licensing test to become a physical therapist assistant and though I'm happy, I still hear from others and my own mind that I missed out. Societal pressure sucks, but atleast I'm not in debt and I have freedom and choices because of that.

[@jeffg3895]

4 years to be an assistant!? Go the whole way! IMO

[@IshikaShanai]

Honestly, you didn't miss out on anything important. You're leagues ahead of the majority and have built a life for yourself that your present self can enjoy and future self will thank you for. Congratulations!

[@tempest9172]

You did what made sense for you. Ignore the noise.

[@alyssajoy08]

@@jeffg3895 3 years to be an assistant when its 7 years to be a full PT. Also the cost associated with it was not worth it at this point in time with the market being as flooded as it is... I do intended on finishing to turn my associates into a bachelors degree

[@alyssajoy08]

@@IshikaShanai Thank you!

[@QuietlyMagnetic]

If you seek tranquility, do less. Or do what’s essential. Do less, better. Because most of what we do or say is not essential. If you can eliminate it, you’ll have more tranquility.

[@thijskraan]

The 80/20 principle, a game changer.

[@teawithhb]

I have a podcast episode called tranquili-tea that will help you find tranquility too! 😂🥰

[@arkaiavaas7258]

Should i let my job go?

[@benjamindavidson22]

Creating wealth and gaining financial freedom isn’t as difficult as lots of people think. Through the right information, building wealth and staying financially stable forever is way easy. Investing is the only true way to earn a great income and staying wealthy forever..

[@suzannehenderson5]

The first step in creating wealth, is figuring out your goals and risk tolerance - either on your own or with the help of a financial advisor. If you can get the facts about savings and investing with a well detailed plan, you should be able to gain financial security over the years and enjoy the benefits of managing your income.

[@emiliabucks33]

You’re right! Working with a financial advisor will genuinely set you up for success in life. I’m glad I was able to hire a financial advisor “Carol Vivian Constable earlier this year since while others were complaining about the downturn, I was busy cashing out from my investment, eventually making over seven figures in the first quarter alone…

[@frankbarnes22]

Your advisor really seem to know this stuff. I found her web-page online when I google up her full names, read through her resume, educational background, qualifications and it was really impressive. I left her a note and booked a call session with her hoping she gets back to me soon

[@emiliabucks33]

It’s unfortunate most people don’t have such information, I don’t really blame people who panic because lack of information can be a big hurdle. I’ve been making more than $100k passively investing with my adviser, and I don’t have to do much work. I will always make good profits returns.

[@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]

Very true, I started investing before the pandemic and that same year I pulled a profit of about $750k with no prior investing experience, basically all I was doing was seeking guidance from *ROCHELLE DUNGCA-SCHREIBER* who's a guru in the game, you can be passively involved with the aid of a professional.

[@TheMCvamp]

My sister and her partner can’t seem to get out of debt and it breaks my heart. We talk about it often, and I will be sending this video to them. The mindset shift seems so important, and I haven’t ever talked to them about it. I have only been able to give them advice on actual tactics I use to stay financially secure. Thank you.

[@bradvincent2586]

Have you given them Dave ramsey? His lesson on debt is the best one to truly motivate people

[@mirandabeaudry7936]

I also have a sibling who’s really getting buried in deep. I’m jobless myself but not as unfortunate. It’s important for us to be the voice that interrupts what the pressure of norms is applied on our blood so they know all options available and have well-informed pivot points. Prayers for your family and you!

[@ShanqKoo]

Hopefully they will be in a better place 🙂

[@TheMCvamp]

@@ShanqKoo thank you 😊

[@TheMCvamp]

@@mirandabeaudry7936 I’m sorry to hear that. They are lucky to even have a family member who cares and worries for their wellbeing. Unfortunately there are so many people that don’t have that, especially when it comes to debt, even though it has such a large emotional impact. Will keep y’all in my thoughts too. Thank you 🤗

[@DerekBearzi]

This video couldn't have come at a better time. I think a lot of us are struggling financially right now, but the first step to overcome it is being aware of it. Recently I have become more mindful of my spending and finding out where my money actually goes. It's truly alarming how much money I was wasting on useless things. Just spending some time looking into my finances, has made a huge difference in my life.

[@brock3805]

This is incredibly true and very wise advice, I bet it applies to pretty much everyone. Personally I work landscaping 10-12 hour days so me and my guys always stop at gas stations a couple times a day and get energy drinks, snacks, tobacco, etc. I’d always go in and get a couple red bulls or something that I really didn’t need but it was only 5-10$ each time and I made good money so I didn’t really think about it. I did a deep dive into my finances like you did and was shocked to realize I was spending typically more than $300 a month on that crap which adds up to like $3600 a year I was losing and didn’t even realize it. Now I just bring black coffee from home and don’t even get out of the truck when we stop, don’t miss it at all and I feel so much personal fulfillment from knowing I’m making the right financial moves. I know this is a long comment but maybe it can help somebody, cheers mate

[@Unknownbrianzaste]

I barely spend money now. The only things I have spent money on are a few essentials for my KZbin channel. Sometimes I think about buying something and it's crazy how far I've come in terms of money I spend. I think their needs to be more videos like this on KZbin. Maybe I'll make one too

[@DerekBearzi]

@@brock3805 wow great story man! I used to stop by a coffee shop every morning to get my coffee before work. I would tell myself it's only $2 and wouldn't think anything of it. I ended up doing the exact same thing you did. Once I realized how much money I spent every month on coffee, I went out to Walmart bought a coffee machine and I brew my black coffee at home. I now take pride in my home brewed coffee and ditched the idea that I "needed" that cup from Starbucks.

[@marloon88]

You should see what it feels like when you have your emergency fund built up and when you retire.

[@Andrew-dg7qm]

Awesome. Quitting Amazon helped us a lot. Started prime when it came out, probably a decade ago. It’s been a few months and we don’t miss it

[@kennethtuazon5611]

"People are spending money they don't have to buy things they don't need to impress people they don't like."

[@itscameronbloom]

Someone else watches Gary Vee! :D

[@shaggyterrell8460]

Ok Tyler Durden

[@nielslouwes7695]

@@itscameronbloom and Gary Vee watched Fight Club.

[@carley_marie]

Dave Ramsey 💵

[@albandb9366]

Spot on

[@julietteferrars3097]

My father left my family a few months ago and I’m basically taking on his role while trying to support my mom and younger brother. Your advice and videos have honestly been so helpful to me, Matt. You’ve filled the void he left by teaching me how to manage my finances, giving me confidence to make better life choices, and helping me learn how to adult.😄 Thank you so much! Keep up the good work. 👍

[@NicolasGandriau]

no debt is so important to feel free. Thanks for saying it so clearly and friendly

[@KayeRobs]

I'm a single mum of two boys (now men!) who achieved FIRE this summer after five years of working Dave Ramsey and then Mr Money Moustache-inspired plans. When I was married, I thought I had everything. Turned out I had nothing but an unsustainable life that didn't make me happy. I cannot believe how much I enjoy every day now, even in lockdown again, because I get to choose how I spend my time. I'm a writer who used to teach in order to get out of debt. I'd barely have time or energy to put out one book a year. Now my creativity is through the roof. Great video. It truly is absolutely worth living like no one else to eventually live and give like no one else. Love your work, Matt x

[@KayKayBayForever]

This is the dream! Good for you, Kate!

[@trailsofsamurai4975]

Best moments are the results from lot of sacrifices behind time , you deserve it, congrats

[@VentureAHighway]

*becoming financially free right now, especially after living through something like Covid... is more important than ever...*

[@jaxx-inspiregrowcreate2862]

I always feel a little more free when I watch Matt’s videos

[@ribenaripple]

Thanks Matt - this is so helpful and important. I moved back in with my parents for 2 years at the age of 29. It wasn't always enjoyable but was an important step for me and my finances. A few of my peers did too and are delaying buying property and I hope these kind of steps are more accepted now - it's just different times now. Too many voices are telling us to buy the next best and new thing. It doesn't make us happy but makes us always want more, and not only that, contributes to how wasteful we are as a society! The impact that materialism has on us, the generations after us and also the environment is truly sad. So glad that young and relevant people like you putting these important messages across :)

[@stefanistephens762]

Matt- I’ve been watching your videos for a few weeks now... I’m 44, so a bit older which only means I’ve been hanging out on the earth getting knocked around a little longer than you. I wanted to tell you how incredibly insightful and self aware you are! It’s so refreshing to see a younger person speak with some wisdom that makes sense. Many of the things you cover are still applicable to someone in their 40’s. I also want to say that as you progress you will see how life improves with age. I appreciate that you share your insight and ways to go about making situations better. I wish you much success and will continue watch your videos and share them when I can. 💯

[@eliyahu2210]

I really needed to hear this! I’m living with my parents, driving a used car, in a community college, and unfortunately, feeling guilty about it. Although now, every time I come back home to my parents, drive my used car, or login into my college class, I will remember what I’m going through now allows to be debt free and truly focus on what is important to me now. As always, great video Matt! Thank you!

[@yashchoudhary1720]

Hey man, you’re winning in life! Work hard in community college and transfer to a top university. This will save you 60,000 bucks in tuition alone. I wish you luck!

[@SchneewittchencheN]

you´re taking care of your current self without shitting on your future self. good job! idk how it really is in american culture but in germany or at least the social circles I am in, buying used and being thrifty is not frowned upon, it´s actually something people might find inspirational

[@ShanqKoo]

It takes time but when you are ready, pay them back and remember to treat your parents well for the rest of your life. I went through the same as you and now has the ability to finally pay them back (: good things comes to those who wait!

[@mmeganzee3]

I did the same thing! In fact, I'm still driving my 2001 Toyota Camry and I've been out of school for a few years haha. Keep up the hard work!

[@eliyahu2210]

Aww thank you all! Really appreciate the amazing feedback. G-d bless you all!

[@AdrianThompson]

I’ve had to buy 2 $15,000 cars since college, had a business loan, personal loan, and had $17,900 of student loans when I left college. I’ll make my final payment on my student loan in December. Legit seeing one of your first videos is why I tackled everything as hard as I did so I wanna say thank you!

[@ambition1224]

CONGRATS BRO!!💪🏾🙌🏾 Keep going, you got this! God bless you!🙏🏾

[@o_o............]

That's crazy!!

[@CaseyBurnsInvesting]

1. Work your face off 2. Invest consistently 3. Avoid debt and delay gratification

[@strangerdanger8462]

Valid, common sense advice. However, none of these steps is easy. In fact, they are flipping hard, and require tons of willpower. No surprise that most folks can't stay the course.

[@dsp911]

Just need to add emergency fund to that list.

[@Madzguy007]

And in 20 years time, so SJW leftists will come to you and say you are privileged

[@DoubleOhSilver]

Working your face off isn't the solution. You need to find time to enjoy life and what you have. You need a work life balance.

[@mjolninja9358]

Mann I’m still in debt tho so maybe next time, I;m still trying to pay off my $740K debt. Soon

[@ivsportiv]

Begin raised in Europe in The 80-90’s, we grew up with one rule: you can’t spent money you don’t have. Back then it wasn’t even physically possible, no cash, no spending. Now, in our 40’s, my husband and I still live by the same rule. We only have a mortgage. Our kids are growing up in a different time, but we keep teaching them this rule. So, our 12yo is bying a PS5, he has been saving for two years for it. Our 16yo has a parttime job and is allready saving for college. Financial literacy should be a subject in schools!

[@GermanTube123]

You need money for college in Europe?

[@ivsportiv]

@@GermanTube123 Yes, but tuition is about 2000 euro’s a year

[@kasianvh]

@@GermanTube123 depends on which country you live in, unlike many like to promote Europe is not a centralized thing.

[@TheSilverwing999]

Being born in the 90s i learned the exact same thing. If you don't have the money, don't spend it. Never borrow anything. If you want a ps5 for example you need to save up if you can't buy it outright. If you have to borrow money or put it on the credit card then you can't afford it. That's just too bad. My boyfriend is from England and he's learned that if he wants anything he can just get it that moment and pay it back later. That's a trap.

[@TheSilverwing999]

@@GermanTube123 Not all countries. It's free in scandinavian countries. It costs money in England for example.

[@crustymilkman671]

Hi, I'm a 25 year old student and I live in Germany. In my whole life I've never owed more than a few bucks to anyone for longer than a day. Thanks to Matt's videos and the people featured on his channel I decided to live a more minimalistic life than I used to. By throwing out at least two thirds of my stuff (to be honest, most of it was nothing more than stuff, piling up and catching dust over the years) my change was more dramatical than subtle. We all heard it a couple times: Making a decision for something is also a decision against something. I found this to be very helpful. By choosing a few things that are important to me (education, books, travelling, paintings) it is now a whole lot easier to decide what's not important to me. It allows me to walk by a store and not want the shirt that is 20% off, because I already decided in advance that I have everything I need. In the past I threw my money out the window for things that were completely meaningless, but looked nice at the time. Cutting down to the most meaningful things has helped me to find a new meaning in the word "enough". And it also left me with more money at the end of the month, instead of too much month at the end of my money.

[@ojasadhikari8486]

This is really the most amazing KZbin channel I've ever discovered accidentally

[@MeditatewithAbhi]

for sure

[@CHEFPKR]

Earlier this year I was laid off from my job as a chef and dove all in to youtube. I sold my dream car (wrx) to remove that payment and pocketed the cash. I've found that not having that payment made a HUGE difference in my QOL. I subbed in a Onewheel and we still have our old truck if needed. I now invest that $500/month I was paying. Tbh, I will buy it again when it no longer impacts my monthly finances.

[@weiss588]

you sold WRX? Dude... :(

[@ourgreatlittlelife-alexand7993]

Damn, I’m sorry that happened. I love your channel and I know it’s bringing so much weeby joy to so many people. I hope things change for you and you can get your car back. This pandemic has really had it in for so many people. Unfortunately I’m in retail so I’ve been dealing the opposite end of the problem. Stressful, but thankful to still be working. All the best 💛 We’ll get there together one day at a time.

[@marloon88]

You still bought a one wheel - ain't cheap. Couldn't have bought a cheaper electric alternative like a scooter?

[@CHEFPKR]

@@marloon88 it also had to do with me wanting something fun to ride to honestly hide the hurt of selling my car. I love snow boarding and this was my way of being able to get that feeling back.

[@vincentpenschke500]

Dude Im so glad I found your channel, definitely got my Sub!!

[@austingibson3315]

They should make this required watching for every school, college, job even church. This is spot on!

[@klaaje]

I bought an apartment about 11 months ago and am still recovering financially and when I came near paying down some extra credit and I notice I feel tempted to continue renovating by using more credit. I often listen to podcast and watch videos about saving and how to become financially independent because I know I need to get reminded about my goal. Thanks for another inspirational video to keep me in track (and keeping me on track about minimalist lifestyle) !

[@ajsurace8343]

The best book out there for personal finance... “the simple path to wealth” hands down!!! Read then read it every six months

[@joeysimpson7910]

I'm 18 years old and I refused to go into debt for college, I found various scholarships and opportunities and am now going for free. I live off of campus as well renting a room for myself for just about $400 a month and bought myself a used car for about $1,500. A year ago from today my net worth was $0 and I'm nearing $10K by the end of this year! Might just drop out soon lol.. Be smart yall and thanks for the video Matt!

[@BradRamanah]

I've modeled my channel after Matt's. But this guy is just on another level. Every shot. Every sentence. Every word. The audio. The colour grading. Everything is just so well curated, thought out and just downright excellent. I aspire to make videos like you one day. I tip my hat to you sir.

[@meekael]

Just checked your channel and your videos are great man! Keep grinding dude

[@BradRamanah]

@@meekael thanks so much for checking my channel and my videos. I’m very glad you enjoy them. My main goal is to bring value to other through my videos 🤟

[@francescadiana]

I remember how shocked I was realizing this as a teenager, moving to America. That all my friends were in debt and nobody was making smarter decisions, simply because this was 'the norm'

[@Jane_Friday]

I don't live in America. I just wonder what they have with debt. In my country only two types if people have debt: 1 building a business or buying a house or condo to live in for the rest of your life. 2 people who are... how to say... dumb.

[@rr-ho6oo]

Do americans pay for example college themselves? Maybe that's why they are in debt🤔

[@ՀովսեփԽաշունի]

@@rr-ho6oo It goes beyond college expenses. People are financially illiterate and are not conscious of how much money they make/have compared to how much they spend. There isn’t much to it.

[@Jane_Friday]

I moved out when I was 19. I can understand when young people want to do that. Some parents just suck and are abusive. Still I payed attention not to get into debt.

[@o_o............]

@@Jane_Friday i'm italian and if we don't consider the national debt, we are in your same situation

[@larag1764]

I've never bought a new car, never had the latest phone and don't need a house full of 'stuff' that costs me $$$ to store, maintain or replace. I'm lucky that I was taught to look after my things and save for a rainy day as heaven knows this year has been a real test for many of us. Love your videos. Best wishes from Australia xx

[@loviisaa409]

When i was 18 i went to school in a city where almost everyone needs a car and most of my fellow students had cars that probably cost 5-10k and i have one that cost 2,5k. It isn't the prettiest, but it gets me where i need to go! Besides i have never had to get it fixed unlike many of my friends whose bigger cars broke down all the time. That's something i'm actually pretty proud of, that i put my ego aside and got me what i needed, not what i "wanted".

[@youngandprofitingpodcast]

We are all trying to take that road, that path. The path to financial freedom. It almost always seems impossible to be debt free. I totally agree with Matt on why we are 'succumbed' to debt. My personal feelings about it is debt is not a dead end. Being financially free comes down to how bad you really want it. There are a lot of ways. One way is through investing and saving. It can be overwhelming. I got a chance to talk to Peter Mallouk, the CEO of a wealth management firm, and he gave simple strategies on how to invest and save as well as why it’s so important.

[@julienemoc8167]

Totally agree with you! I actually watched your video with Peter and got some very helpful tips on investing. Worth the watch!

[@parthp1379]

Having a financial plan for yourself

[@melissamartin9005]

I’m 40, house paid off 5 yrs ago, home on 5 acres, no debt. Never had a car payment, only buy a used car in cash. I live simple and have money left to save and have fun. I never worry about money. Live simple, live happy.

[@DK-ul3lo]

That's beautiful man. Ur winning the game of life.

[@jaronva]

Love it

[@PraveenSrJ01]

Congratulations 🎈 and best of luck to you!!! 🙂

[@AuthenTech]

Black Friday has left the chat.

[@lowwastehighmelanin]

Working a single holiday pre-covid in Retail was enough to kill it for me. (15 years of retail sales, now I barely shop) lol

[@JazminBautista]

😂😂😂

[@michaelkillebrew3114]

Hahaha!!

[@MrZwartwit]

Low Waste, High Melanin shopping is not something you should do as hobby. Without a plan in mind what to buy. Do i really need it? Do i already have something simular at home? Does it make my life better?

[@garypranav]

Hey Matt! Hello from India. I have been binging your videos from over a month now and almost every video that I watch speaks to me on a personal level. Your videos are so relatable and inspiring and have had a very positive shift in the way I approach life. Until recently I was craving for the latest gadgets and had started saving for it. After watching your videos I realised how much of a fool I am and how that money is better off invested. I crave to be financially free and have that peace of mind where I am not bogged down by what society thinks of me. Keep inspiring mate. More power to you.

[@Josh-ii8ix]

Congrats on the move! I am also in the midst of getting rid of stuff (about 2/3 of it) and moving, as well as cutting back to pay off debt. I consolidated my debts and I'm just hitting it one chunk at a time. Don't ever take the time with your mom for granted. I'm so glad I spent the last year-and-a-half of my mom's life living with and helping her.

[@alexeykulikov2739]

“There are no shortcuts to any place worth going” W.Buffett

[@Anthony-tu7vw]

I never listen to billionaires “advice”. All billionaires had opportunities that most people don’t have, and at least at one point of their supply line there are under payed and exploited workers.

[@froggofrance]

I feel somewhat proud of myself for knowing about this already. I already made the decision that I want to have a simple life without being weighed down by debt.

[@ZachSchieffer]

“We make these decisions when we’re kids. And we have to deal with it for decades”

[@lissetsanchez5316]

This is why I watch these videos as Matt quoted in the end of his videos "to re-affirm the reason why I do what I am doing". Thanks Matt. Loved this video. 👍🏽

[@lissetsanchez5316]

@Matt D'Avella thank you ☺️

[@warghostbr3691]

I am very grateful to have known this channel when I was 18 years old, it changed my mind and I believe it has been helping me to avoid several problems that the old one would have!

[@MaryPatricia-wr3wj]

We are already in a big crash Inflation is a catastrophe. This CPI report is a colossal failure. To bring the housing market to a halt, the FED will have to pull all the stops. The unfortunate issue is that other markets are being decimated. If you want to stay green, you have to rely on a lot of diversification. Currently up 14% and being careful. Still a better deal than leaving it in a savings or checking account yielding 0-1 percent interest.

[@ThomasWilliam-sw8ms]

Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as MARTHA ALONSO HARA who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.

[@MaryPatricia-wr3wj]

@@ThomasWilliam-sw8ms I want to build a diversified portfolio based on my personal income. I am easily triggered/highly emotional, which could be detrimental to my portfolio. I hope I am a patient and systematic person. day trading is not for everyone and multiyear holding is not for everyone. I know my strengths that's why I need proper guidance to be able to venture

[@ThomasWilliam-sw8ms]

@@MaryPatricia-wr3wj I have saved myself from all the hassle that chaotic market causes. These days the best way to come into the market space is by reading, studying, being patient, and seeking guidance when necessary, due to my line of work I can’t handle my portfolio so I just copy the trades of my FA. I saw her on Bloomberg business news. It’s been smooth since then.

[@MaryPatricia-wr3wj]

@@ThomasWilliam-sw8ms how can I reach this person because I am in need of a better investment approach?

[@ThomasWilliam-sw8ms]

@@MaryPatricia-wr3wj quickly do a web check where you can connect with her, and do your research with her full name mentioned

[@sarajoana895]

Exactly Matt The pandemic stuck me hard everybody I owed got on my neck including the bank. I lost my job was left with just about 70grands So i contemplated on how to survive what entered my mind was investment

[@sarajoana895]

I invested 40grands with a professional and got x2 the value and I used the profits to pay off my mortgages and right now am buying my first property all thanks to your teachings 🖤

[@royhelmic2465]

Exactly ma investments are the key out of this economic crisis!

[@henryraymond6476]

Same here ma I recently invested in both crypto and stocks but with the current rise in Bitcoin, Crypto has delivered more than stock

[@austinjeffrey938]

Trading crypto has really become a lucrative way of making money especially with the instability In the stock market right now.:(

[@alexiskayla5340]

This 2020 has been the best year for the bitcion investors the corona virus didn't have much effect on them !

[@jensentung]

7:05 Never thought I'd see myself in one of your videos! Always down to share self-hair cut tips with you, Matt!

[@livingwithkangen8927]

Hi Matt, I've been following you on both KZbin & IG, I wanna say this, you're such an incredible human being! I repeatedly love watching lots of videos of yours, this one though, has become one of my favorites! I've learned and grown up so much as a person and would inspire to help more and more people with the knowledge that I've gained from you. Hugs and love from Malaysia!

[@karencpknet2456]

Hi Matt! I'm from Argentina .I've realized that I'm financial minimalist too. And I hope help people like you with their finances too live with less debt and more financial freedom

[@sat0histacker16]

Thanks for your review *T,,e,,x,,,T. M,,,e,,* F,,,o,,,r,, I,,,N,,,V,,,E,,,S,,,T,,,M,,,E,,N,,,T,, A,,S,,,S,,I,,,S,,,T,,,A,,,N,,,T A,,N,,D. G,,U,,I,,D,,E. L,,I,,N,,,E,,,S *,,+,,1,,5,,0,,8,,6,,2,,,3,,6,,,4,,7,,0,,*

[@metamorphosis_77]

Everyone wants to be free but very few understand what freedom really means. Regardless of the individual perception of freedom, one idea remains universal: Peace of mind is the ultimate form of freedom.

[@bradvincent2586]

Hmm. Funny that’s what Jesus teaches. I like it

[@RGE_Music]

@@bradvincent2586 jesus does teach this!

[@rohitmajumdar1579]

Gaining financial freedom and succeeding as a day trader seems like an easy task until proven difficult. It all depends on understanding the marketplace and developing effective.

[@kelvinjohnson3906]

Day trading tends to suit attentive individuals capable of managing the stress of intense risk-taking activity.

[@henryjones6303]

@@kelvinjohnson3906 it’s no doubt not for me, I believe in staying invested on long term basis. I look out for stocks that have a firm foundation along with big payouts.

[@jackholley4286]

I’ve been getting more into stock trading, it’s amazing how lucrative it is. I’m putting in maximum effort to get the best result.

[@kumarvenkatesh6600]

@Paul Nolan I’m aware of Dan Raziel, just how reliable and profitable has he been and for how long have you worked with him?

[@aureliocantos8466]

It amazes me how people make this much profits trading.

[@rudig5698]

You inspired me so much for my own channel! 😍❤️

[@nightcat-z4i]

I needed to watch this. A boss took me walking away from an argument as me "quitting" and I was terminatted. Apparently that's not acceptable behavior and since then been stressed to make payments. I am so so close to getting a new job, and watching this just made me get a better understanding how I should face my situation. Thank you for making the videos that you make, they not only motivate me and get me to understand stuff more clearly, but I am certain it helps others as well. Thank you

[@jayyshahh]

I cannot say how good this video is I am definitely going to recommend this video ever single one of my friends. As always Matt you never cease to amaze.

[@jayyshahh]

@Matt D'Avella bro don't fake him. No one will believe you.

[@ThePetieProject]

Step 1. Decide you value your freedom more than what other people think of you. Realize that money is life energy. Step 2. Find a way to live below your means. This could be in the form of making more, spending less money, or ideally both at the same time. Step 3. Save up enough cash for 2 to 3 months of expenses. Step 4. Eliminate all high interest debt. Step 5. Contribute to your employer sponsored retirement program if you have one up to the company match. Step 6. Max out a roth IRA Step 7. Max out your employer sponsored program. Step 8. Invest in a brokerage account, invest in real estate, invest in a business or franchise, or save for another purchase. Step 9. Continue to try to spend less and make more each year. Even spending 1% less will move the needle. Avoid lifestyle inflation like the plague and only spend your life energy on things that bring you true value. Step 10. Accumulate 25 to 33 times your annual spending in investments. Step 10. Freedom We can all do this earlier than you think is possible. It's all about mindset and aligning your values with your spending. Good luck to everyone!

[@wanilimbe]

^The only realistic thing which doesn’t state save 2 times as much as you need to buy something in cash

[@vavila16]

Two of my college courses got cancelled this semester so I'm working one full time and two seasonal jobs! Saving money now just in case there's another lockdown

[@ofsabir]

As a non-US citizen, I can clearly observe this mindset at my American friends. In my opinion, you covered the most important topic in American way of life, and did it really well.

[@Kebbab.213]

And for me as a non-american this is super weird. I can't imagine living like this

[@princecharlesontour8971]

@@Kebbab.213 yeah I thought the same 😅

[@Kebbab.213]

@@princecharlesontour8971 this is extremely weird like wtfff

[@epbrown01]

As a US citizen, there is something even weirder: how angry Americans get about foreigners being better with money. I see that a lot at work, people upset someone saved up and bought an apartment bldg or started a business.

[@Kebbab.213]

@@epbrown01 damn wow. I hope this will change. I feel like it's so easy to not fall into debt...maybe I'm wrong

[@thisispw]

Matt D'Avella for President! Your country needs you, the understatement of the year. Sound advice for all, we are never to old or too young for good financial advice. Too much emphasis on stuff supposedly showing the world our position in life. Well done sir, good work. I think your country is going to need your help in the future.

[@TheMikeyDunn]

I love how Matt used mostly NJ/NYC area stock footage in this, despite him living in LA. It was like a nod to his NJ roots. Also, all the of advice here is grounded. After college, I lived at home in NJ for three years and endured a two-hour commute into NYC in order to pay off my school debt. Then I moved to Brooklyn and paid off all my credit card debt. Now I’m debt-free and have developed a habit of saving for things (eg. trips, shopping, next apartment) and paying off credit cards in full each month. Debt free plus interest free is an amazing feeling.

[@Kyle-ke1zj]

I was about to go to a school for $25,000 per year, and then I found out that I can go to a cheap state like Mississippi and get the same great education for half the cost! Very thankful I did that! Now, a couple years into college and I have no loans and will not have any until medical school.

[@hudsonwhite6470]

To whoever reading this, never stop chasing your dreams you can do it. Keep pressing and thriving you will make it!! Consistency is the key to achieve your goals

[@caselan6702]

Forex trading has left me no choice but to keep investing because it makes so much profit for me.

[@drakeleblanc2090]

Indeed investing with an experienced expert is the best way to get started in the forex market. Learnt that the hard way though!!!

[@emmettouellet8842]

Speaking of forex trading, it’s the best business in the world right now. I know a couple of friends who make a whole lot of money trading the financial market

[@cohenbergeron2779]

Demo account is risk free

[@jacethompson71]

@@cohenbergeron2779 How much do you make and how long have you been doing this?

[@toetav]

Finished "Rich Dad, Poor Dad" today, absolutely recommend that book to anyone!

[@BrendanEvan]

Financial Freedom by Grant Sabatier and Your Money or Your Life by Vicki Robbin are both excellent too! Actually...I need to re-read both of those.

[@davidfracz7315]

I recommend the audiobook, it's easier to fall asleep too. LOL. It doesn't matter how you do it just consume the book, it's great.

[@Sir_Ken179]

The first video I watched of Matt's was actually about personal finance. Minimalism then helped tremendously. Once you stop wasting money on stuff you don't need paying off debt becomes a breeze. Most of us make enough. The problem is we give it all away to companies. Became debt free after paying off 18k in about 14 months.

[@insertname.]

The effort this man puts in his videos is crazy. while he teaches us about life, what school doesnt!!

[@BeyondTheGuitar]

That PS5 mention hit close to home 😬 Good stuff as always, Matt

[@blueeyedtech1234]

Same here. I thought oh S#!T he’s talking to me on that

[@cyberrock9018]

When did he mention that

[@marloon88]

kinda different though. Just on the topic alone of buying iPhone vs new ps5 is different because it's not like new games are going to come out for your Ps3/Ps4.

[@blueeyedtech1234]

@@marloon88 true but I think the point is even if no more games come out for the PS4 is a PS5 really a financial necessity

[@ishan4691]

@@blueeyedtech1234 so is 1000$ iphone? New playstation comes out like every 6-7 years that's like spending 10$ every month , so i dont think it's bad to buy a new ps5 if you are a big gamer.

[@inbasicterms-popculturevid1704]

When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom.

[@AxcelGamer97]

You’re right about the first part, self-worth is not determined by net-worth, but you’re absolutely wrong about the second part. True financial freedom has a lot to do with net-worth, that is to say if you are debt free then you have real freedom to do what you want.

[@allaineaquino1647]

True

[@allaineaquino1647]

@@AxcelGamer97 also true

[@kaustubhjoshi643]

- Jamie Dimon

[@eyepatch1157]

Its more like your self worth is not determined by the things you own

[@SebastianSchneider1]

I'm so grateful that Matt does these videos. I feel like such a small part of society actually thinks about that stuff and people like Matt show a new mindset to a much broader audience. I catch myself quite often in wanting to buy new things, feeling empty deep down, trying to fill this gap with products and purchases. I don't think one has to become a minimalist to be happy but being content and grateful basically implements being happy with what you already have, doesn't it?

[@rjv_mntn]

I personally had well over 10k$ in Credit Card debt and a lot more than that in student debt. When I first started, it definitely felt like I couldn't even move this mountain. I had just graduated and I started to treat myself to the nicer things in life. Then, one day, I got started. Now, a few years later, I've paid off all my Credit Cards and Student Loans. I haven't really treated myself to nicer things in a while, but I definitely don't regret it. It has been an incredible transformation and wasn't easy by any means. I feel light. It feels like I dropped a heavy rucksack that I was carrying all these years and now I feel free. This feeling is amazing. Do it, people! It's totally worth it. Edit: I wrote this comment halfway through the video. Towards the end, Matt mentions "The Total Money Makeover" by Dave Ramsey. I've read it and listened to Dave Ramsey for years. He truly was instrumental in me making this change in my mindset. Also, you don't have to be a person of faith to listen to him.

[@rye3248]

I had stepped away from your videos for a bit of time (just for the lame reason of watching Netflix instead). I forgot how valuable your videos were to me! Really really helped me at this moment in time. Your videos are so optimistic while also pointing out some negative behaviors in societies. Also, 117K in 4 years!! Impressive, so so impressive! These videos are important for environmental progress as well; if you buy crap they will make crap. If you're convinced you need luxury, companies will keep taking precious resources in the name of "luxury". Thanks for this content

[@jaydmorales23]

Started following Dave Ramsey couple years ago. 26, married 1 baby and a house. Other than mortgage we went from $40,000 of debt to $0 in 2 years

[@JustinVConroy]

Always glad to see you do videos like this, Matt. Personal finance and being debt free is sooooo important. There's so many resources out there for folks to learn this stuff - I just hope we can increase the chances that people will take the time to try.

[@annieh9928]

Matt, I really like your videos on minimalism, they've helped me a lot in the past and I'm very grateful for you to bring this perspective to so many people's minds. However, I really don't agree with the sentiment expressed here and that is subcontextual to a lot of your videos: that most people have a hold over their finances, that they have the ability to take control over their finances by simply 'being more mindful' or more intellectual in where their money is going, and that this is where most people's issues stem from. A lot of people are in debt (myself included) or in poverty for reasons that are mostly not to do with making poor decisions, and to phrase it like this is just really dangerous. I know from the minimalism movie that you made that your perspective (and the mainstream one in the minimalism movement) is a very particular one - it assumes that someone is starting out from a middle class perspective, where they already have a lot of privileges. But I'm part of a generation where this sort of comfortable, middle-class lifestyle just isn't possible. The idea that people are in debt mainly because they choose to buy a brand new car is immensely damaging, and promotes a kind of 'poor people are poor because they choose to be so' mindset. "That's why we have so much debt in America and around the world, it's because people are spending money that they don't have." Okay, so why don't they have that money? Firstly, because the minimum wage in the US has, in relation to inflation, not increased since the 60s. If it was at the same level at it was when it was first introduced, it would be $15 rather than $7.25. That means much longer hours for much less pay. People in the US also accumulate debt over more things now - some people, for instance, do so because there is no free healthcare system in place and they are stacking up debt to pay for being able to live. Without recognising that this is the case for a lot of people, the video seems to imply that these people can simply pay those debts off if they live at home or decrease their spendings. A lot of people are doing this, and it still isn't enough. I really wish you'd adress this more, instead of focusing on this 'individual responsibility' perspective. It's so so damaging. These are structural issues. I get that this might not feel relevant to your experience, because you accumulated debt because of choices that you made. But this is not the experiences of most people. To suggest that we can just take individual actions to solve this is just to accept that this is it, this is just the way that life is, instead of fighting against it. People don't HAVE to be in debt from medical bills - the US can make healthcare free. You can put pressure on politicians to increase the minimum wage. These are things that people can fight through activism, so that these insane amounts of debt don't have to exist in the first place. I'm really sad that this isn't something that you've engaged with in your content, considering how large your platform is. If anyone feels the urge to reply to this comment with some variation on 'this isn't what his channel is about' or 'maybe he doesn't want to make political content' then I just want to say this: you haven't read the news enough this year. You haven't seen the people suffering under the current economic system, one that is increasingly being built on the 'individual responsibility' system. You haven't seen people begging for money to afford food or medicine, basic things that everyone should be able to have access to, no matter what. And I encourage you to seek out these stories and then say that some people can choose to simply be silent on these issues.

[@Fatima-rs6bv]

you couldn't have said this better

[@traderjoes7976]

This is really sobering and I have to admit coming from the place of privilege I exist in I didn’t even think of this until you brought it up, you did a fantastic job explaining this though, thank you for bringing this up.

[@ivneetkaur9393]

Most of the people are in debt or poverty due to structural issues . You are absolutely right. If this is the case in a developed economy like US, imagine the situation in the rest of the world, where people are barely surviving.

[@annieh9928]

@@Fatima-rs6bv thank you!

[@annieh9928]

​@@traderjoes7976 that's so nice to hear honestly, I was afraid I might be shouting into a void when I saw all the other comments haha

[@jordanperry9]

Your best video yet Matt. Yourself and The Minimalists have literally changed my life this year. Massive Thankyou from the UK.

[@patrickpieters5435]

Hey Matt, thank you for making this video man. There is an enormous need to educate society financially. Consumerism is so glorified these days, when really, it should be minimalism. Really liked what you said at the end of the video about audiobooks and financial education: It's not necessarily about learning something new, as it is RE-AFFIRMING the reason why I do this and why it's important.

[@patrickpieters5435]

Absolutely!

[@masonverkruisen]

Sometimes I worry that savings videos like this can feel like they go too far towards the savings route at the cost of everything. Saving money for your future is essential, but it is also important to a budget for your hobbies that help you get through the daily grind.

[@bodyasleep]

For me it's all about sharing your craft. If someone here is looking for music/sound mixing/original soundtrack please hit me up!

[@jenv6846]

We are selling “our” house, moving into an apartment, and paying off everything except one car. It is worth reducing our living space so that we are financially able to save and stop paying creditors!

[@carolc2574]

I live in a 350sqm apartment because I could pay it in cash. We had savings for a wedding and decided to get married at the city councilninstead and buy this. Best decision in my life, I had never been happier!

[@YashMyGosh]

I was never into brands and latest stuff because I knew people are empty and filling a hole inside theirselves by buying things they dont need for status symbols as insecurity from within and I know nothing external can bring you happiness but from within, still have the old Iphone 6s and just not buying dumb shit cause i dont wanna impress anyone! I am whole and love myself 😊❤ Just be self aware and put a "why" to everything and your own being tells you your intention behind a thing! May all of us be financially free and happy and be safe ! ❤⚡

[@a_blaser]

Agreed! When I got my first job I let my lifestyle creep and ended up with over $40K in debt. I woke up one morning, realized my mistake, and committed every extra dollar to pay it all off. There were so many things I wanted to buy then but didn’t to knock out the debt. I’ll never borrow money to buy a car again. I’m debt free now and it feels great.

[@GabeBult]

I would also recommend " Rich Dad Poor Dad" it was the book that started me on the path tyat let me leave my day job at 24 and learn how to invest. Great Video ☕

[@vm2113]

Ikr. Same for me

[@aaronrocque2912]

Just one simple rule, “Never buy anything you don’t have the money for upfront.” Meaning, don’t buy stuff on installments! 😂🤣

[@JakeEigenbrodt]

if you can't buy two of the same thing with cash, then don't buy it. If you can't buy two new iphones with cash, don't buy it.

[@misterl5337]

As a 24 year old i learned that on my own ...

[@milosilic23]

Good advice. But honestly people just have to be smart about. I bought some stuff on payments without interest because i didnt want to spend all the money upfront. But ye, if i cant afford it o dont get it

[@wanilimbe]

@@JakeEigenbrodt I want a house for 250k. Should I really wait till I get 500k and spend it on a house when I could put that in saving and just get a 30 year loan and pay the off quickly?

[@lilpanda9177]

"You can't be spending money that doesnt belong to you" Creditcard: Am I a joke to you?

[@kirstenfell3970]

Husband and I have never gotten a new car. Been together 9 years. Craigslist/FB market all the way. Never a car newer than our current 2007 family van but never had a car payment and live in our dream house. Love that the car thing is your first point because I've always been shocked how much ppl will shell out for new cars. We gotta collectively stop trying to keep up...the biggest rebellion!

[@chantelles3641]

My friends and family are part of the credit card movement. Matt your voice and advice really gives me hope for the future and it's ok to follow a different path. THANK YOU!!

[@sat0histacker16]

Thanks for your review *T,,e,,x,,,T. M,,,e,,* F,,,o,,,r,, I,,,N,,,V,,,E,,,S,,,T,,,M,,,E,,N,,,T,, A,,S,,,S,,I,,,S,,,T,,,A,,,N,,,T A,,N,,D. G,,U,,I,,D,,E. L,,I,,N,,,E,,,S *,,+,,1,,5,,0,,8,,6,,2,,,3,,6,,,4,,7,,0,,*

[@simonethomas9393]

Success is dependent on the action or steps you take to achieve it. Show me a man who doesn't have an investment and I will tell you how soon he'll go broke Investment is building a safe haven for the future: with the right choice of investment that has at least 1% minimum risk and with an Expert guidance, profit and interest should be 💯 guaranteed.

[@simonethomas9393]

Asset that can make you rich Stock Bitcoin Real estate

[@ryanholland2000]

@@simonethomas9393 How do I really invest in bitcoin and make huge profits , i'm actually confused here, can someone please help me out

[@antoniohandel8332]

@@ryanholland2000 Same here, It's very confusing seeing so many people talk about the profits the make from there investment in bitcoin while I keep dipping from on win to a bigger loss

[@jayrenee1552]

@@ryanholland2000 Most time having knowledge or insight about a particular activity can as well be a pleasing exercise. I can boldly say that fx and bitcoin is one of the profitable money exchange services that elevates investors and their financial status.

[@loganchloe7182]

@@jayrenee1552 That's true most people today have been having a lot of failures in bitcoin because of poor orientation or bad experts

[@vargaskenneth8837]

Dear prospective investors, always understand the great need to learn how the stock market functions first, and also the importance of consulting an expert stockbroker or investment banker before even thinking of stock investment. The stock business is very fluid and as a result subject to changes. If care is not taken, one could lose hundreds of thousands in matter of days! The knowledge is a sine qua non for a profitable venture. Good luck!

[@NathanLewis7871]

This is factual. Greenhorns should always understand the need to study the stock market, learn what they can but most importantly, use the services of a known broker or financial expert. This is to avoid unnecessary huge loss in investment.

[@paulinescholes6797]

@@NathanLewis7871 I made same mistake 2 years. I was sure I had learnt the ropes, invested all by myself and lost thousands of dollars. It was the saddest business year for my growing business. After much persuasions from a colleague, I decided to give stocks a try again. This time, I invested with the assistance of AGATHA CHRISTINE ROBINSON, a stockbroker based in Kansas. I made $411,000 in profits in months. I recouped my loss and stabilized my business.

[@august9050]

@@paulinescholes6797 Awesome! This is the definitely the way to go about it. I will love to know how one can contact her.

[@kevinjohnstone4023]

@@august9050 Ms. Robinson is everywhere. She is that famous. Just google her name and get what you need from her website.

[@xxshystarxx]

When you're Asian so you stay living with your parents, live frugally and only buy used cars - thanks mum and dad for helping me save :D

[@skybright9447]

Lol I'm Asian too and i didn't even realise that people spent £30,000 + on cars. My while family buy cheap cars, no more than £3000. They last us years and we always have the option to change them if we get bored or need a bigger car. My dad got his current car for £450 and my mum £2,500 for a very large practically brandnew Japanese imported 8 seater. We buy used furniture too, only time we EVER brought new furniture in my 18 years of existence is when we moved into our current home as we had nothing so had to invest in furniture from scratch as we were sleeping on the floor. My parents painted, carpeted, vinyled, furnished the whole house for £5000. After 19 yrs my parents finally brought their own house without a mortgage. Yes our house needs major work. We have been qouted £40,000 lol but we are on the way to having out dream house in 2 yrs if my parents carry on saving how much they are now. I also will live at home until i get married. I will obviously pay my share in the bills and shopping but i wont be paying at least £600 a month for a terrible house when i can live with my parents. Also hand me downs are a big thing. Such as furniture, ive made about £300 by just giving away unwanted furniture i got for free on second hand sights. Im also not going to university.

[@augustineg1497]

@@skybright9447 last sentence shock

[@lukeslayer]

Have you ever seen the movie parasite?....

[@augustineg1497]

@@lukeslayer lmao

[@tedstinsonzhang3545]

True bro

[@darinesnol2305]

Thank you so much for this video. Im currently a college student of my own paying a few debts that I owe, the biggest thing that stood out to me is when you said "as long as your in debt, the money that your making doesn't belong to you"

[@sayyer10]

This came at the right time. I am currently in a stage where I am in huge debt and there’s no hope. But I will sacrifice my time(yet again) and get back in track no matter how long it takes!

[@sacul220]

Take a shot everytime Matt says he owed $97,000

[@AtoZenLife]

Minimalism and frugality helped us pay off $250,000 of debt, including home debt! 👀

[@ziintle]

My girlfriend and I are staying in an apartment with no furniture, just a bed because we avoiding buying any on credit. We just bought a couch last week cash it will arrive soon

[@daltondavis1803]

As long as you have the money to pay off your card in full. It’s not a bad thing to use credit. It’s bad when you spend more than you actually have

[@TheSilverwing999]

@@daltondavis1803 Putting anything on the credit card is a bad idea. If you have say 1000 pounds on the card already you can buy it. If you have to say pay it back over 2 months then dont. It's simple. People need to learn to have more patience.

[@agiraldo109]

I would love to see a sequel video to this called "you're financially free, now what?" because I feel like getting out of debt can be a very strong and clear goal that a lot of us might focus on for years, but what do we do next? what do I choose to do next with this freedom? It's going to be different for everyone and a lot less straightforward, but i think it's important to talk about the great things that come with having money and not just the troubles with money that so much of us face. great video as always!

[@aa65064]

One of the few reasons I’m glad living and having graduated in Germany: governmental student debt is limited to 10k € although having received more than double the amount from gov as a monthly fee.

[@ryder7634]

It's believed that the best way to achieve financial freedom and stability is by investing

[@claralopez8061]

You're right, so far investment has been confirmed to be a sure means in gaining financial stability

[@santiagomanuel3757]

Exactly.. investment is the best way to grow your wealth, I held stocks for a long time and invested in bitcoin, I'm 22 and I have about $48,000 investment profit despite the pandemic. It's really life changer

[@harryemil4121]

@@santiagomanuel3757 Wow that's nice how did you reach that so fast?

[@abdulatifsayegh2355]

Investment are the stepping stones to success

[@victoriaoscar6258]

Already invested in stocks and I can't get a good return from it

[@TheDhammaHub]

If the solution was easy, it probably wouldn't work anyway ;D As long as it works, I am in!

[@bingchilling3120]

congrats, someone copied your comment.

[@mmk82758]

“Trading our freedom to fit in.” This is what hit me. Since deciding two years ago to pursue a minimalist and zero-waste lifestyle I’ve slowly learned not to care what others are doing or worry what they think of me. I’ve saved so much money not buying clothes, shoes, makeup, jewelry etc.., etc, It takes time but is liberating!

[@marvinbasa9234]

Thanks for the insights and reminders that we are doing the right thing. We bought a foreclosed property as our home and 2nd hand toyota sedan. So much relief in our finances.

[@deep2240]

ty matt for investing your time and effort to help other ppl, keep up the good work!