How to become the first millionaire in your family

[@farbodsalehzadeh2289]

“wanna be the first millionaire in your family, you gotta learn how to strip”💀 - vivian.

[@DianaWanMa]

I got the moves but not the body 😞

[@ChrisCanomi]

I was not prepared

[@nova3677]

💃 💃 oh I forgot to take off my clothes 😝😝😝

[@user-jh2vn8kn7w]

I really said Im sorry what out loud lol

[@jasminemosby5403]

Done and done :)

[@James-ws9ze]

Switching jobs is a much better way of increasing your income than asking for a raise. Imagine switching jobs and getting a 15% raise vs. asking your boss for a 15% raise. Many bosses will just say that it is "not in the budget" even when the company is making lots of profits.

[@hardnthapaint]

From someone who works in HR, I agree. We are told to say this. But from what I see on the budget and recruitment, they will pay the outsider more money than an employee that has been "faithful" to a company for many years.

[@ivybichon8582]

I literally had an increase of $30,000 by switching jobs. I’m finally being paid for my years of experience. It was disheartening to see individuals who just got out of school getting paid the same without any experience

[@smartmarketing173]

Yep. I’ve been downsized repeatedly🤦🏻‍♀️but the up side: Salary $ increases almost every time I switch jobs. That wouldn’t happen if I stayed for same period of time

[@jemmaj2919]

THIS

[@LesterSuggs]

THIS is the better strategy. And invest in REITs.

[@malaineeward5249]

Note on Total debt- once you pay off one account DON'T put the monthly payment you've been paying to it onto your spending budget! Put it towards paying off your next account faster. Snowballing!!

[@s.r6331]

That's what I been doing. But starting w the cards that have small debt on them, then moving on to the bigger debt.

[@Deveonn]

Better yet, learn about good debt.

[@Deveonn]

@@malaineeward5249 debt is good if you buy assets, not for liabilities. Owning your home is both an asset as a liability so only finance a small part (60-70% max). My house has a mortgage with 1,1% without principal, inflation will eat it alive.

[@mrsiz218]

YESSSS

[@0Demiyah0]

Yes, I have been doing exactly this with each of my small debts that range between 250 - 1500. I pay off minimum to all but I focus on spending the largest to the smallest debts first, eliminating them quickly before adding those minimum payments + the overcharge I was able to spend on the next debt. I've only increased my salary in the past 4 months, but I already went from 0 savings to nearly 700 a month and eliminated half of my small debts. Of course I could pay off all the debt at once now, but since I'm not paying interest until the fiscal year is closed, I haven't done so. By August I will have paid everything off though. The only debt I will never pay off more than minimum is my student debt. At an interest rate of 0% it just sits there, and after an x amount of years my debt is forgiven. If I pay minimum, my debt will be forgiven with around 40k left to pay off, so I save money by not paying.

[@notalot]

My short attention span almost made me go STRIP for real

[@kkrriissy]

😂

[@DefinitelyNotAFerret]

I mean if Cardi can do it, so can I!

[@HowToBeAlone]

Just started stripping. Definitely a lot of money in a short amount of time but it’s not guaranteed money or steady income

[@prxncesslea]

LOL

[@annay1948]

What is a good saving on my money that gives a high return

[@MosesEnos]

Could you do a video on this for people with lower incomes? I don’t make very much money but want to build my money. Would love to see how.

[@carolinehigdon3925]

She references that you can always try to cut spending and add to an high interest savings account, but raising your income is even better. If you can get a trade certification or even a basic associates degree, it will likely boost what kind of pay you can ask for from employers! I know school can be costly but you may be able to get it all or mostly paid for with financial aid. I recommend checking into local community colleges and trade schools if you are considering further education, and see what kind of financial aid you qualify for 👍 (for reference, a lot of trade programs can be completed in 6 months- a year, and an associates takes around 2yrs)

[@bodyofhope]

​@@carolinehigdon3925 do you recommend a good high interest savings account ?

[@witchdragonfly2586]

​@@carolinehigdon3925 also depends on the school. I just got my associates degree. Started end of July and was done in February.

[@carolinehigdon3925]

@@bodyofhope Roth IRA’s are pretty popular because you can deposit and withdraw fairly easy, and to my knowledge there’s no restriction on how much you need to start it. Also while your money is in a Roth IRA, you aren’t taxed on it. It’s a popular way to build retirement bc you get high interest and no taxes unless you withdraw funds before retirement

[@carolinehigdon3925]

@@witchdragonfly2586 that’s true! Congratulations on finishing through 🎊

[@torilovebyrd8418]

Raise your income to meet your standards, don’t lower your standards to meet your income😊

[@Antonjlavey]

That's why your broke

[@saanvie1110]

​@@AntonjlaveyLMFAO

[@HowToBeAlone]

Lowered my standards and doubled my income

[@alphamail8974]

Exactly!!!

[@natalie6117]

@@HowToBeAlone Now this, this is how millionaires think. Good job. You’re gonna be successful (or maybe you already are, I have no idea if you’re 15 or 75 💀).

[@The7thStep]

Your delivery is impeccable. Simple, to the point, and entertaining. Bravo 🍻

[@Iam_alicialove]

I am the first millionaire in my family ❤ I wake up everyday feeling blessed and highly favored

[@GmonkeyJ777]

That's so awesome! If I may ask you a question.. What was the main motivating factor that pushed you past the the financial level your family reached? In other words why would you say you achieved millionaire status and they did not? Was it your knowledge? Your determination? Your dedication? (If that makes sense...)

[@thefckigaveflewawaywithu6904]

Nice humble brag hehe. How'd you do it though? Like my first thought when watching this was "this is not possible for anyone who is in survival mode". I want to know what I can work towards, as in I'm currently homeless but I've almost got housing and I need to start preparing for my next steps.

[@frauleinhohenzollern8442]

Yeah first thing I do when I become a millionaire is I'm going to go around on KZbin watching videos on how to become a millionaire, and make sure to comment that I'm a millionaire because I feel everyone needs to know, all the strangers that I'm never going to meet need to be impressed by my lies and bullshit

[@cherrelle40]

​@@frauleinhohenzollern8442triggered much?

[@MsDariel83]

Thanks to Vivian, I am the first multimillionaire in my family 🤑🏦

[@user-er5iq2bs1t]

Thank you for always sharing (74 year single woman) wish I was younger to take advantage. But sending these to my grandchildren ❤️

[@blank5659]

This is gold!!!! Thank you so much.

[@diana4043]

I’m going to watch this multiple times to learn.. Thank you Vivian.

[@danakanaan2714]

Yeah me 2

[@gypsybelle4757]

Same!

[@Antonjlavey]

It's done the Dollar is gone and banks

[@frauleinhohenzollern8442]

Is it really not common sense to you guys? Really? Make more money. Duh. Pay off debt. Duh. Invest money. DUH. come on. How do you need to watch this multiple times to learn this? What are you guys even talking about? Are you bots or real people?

[@OmiOmislysolofficial]

​@@frauleinhohenzollern8442 some people might just be a new adult and new independent person yaknow? I'm just recently starting on my independent journey as a new adult and this vid might help me like it would help others too, not everyone gets taught these things due to a number of factors - what's common sense to you might not be common sense to other ppl probably due to bg, upbringing,exposure, country culture etc

[@chloebahal]

Love your advice! Can you please do a segment on freelancing and how to go about setting up some of these things from that perspective?

[@tiphneewestry3129]

I put my arms up and started dancing, and then you said S savings, and I realized we were not on the same page😂😂😂😂❤❤

[@WatersDancing]

S - savings (high yield acct for emergency fund) T - total debt (pay off highest to lowest, as fast as possible) R - retirement (tax adv, try to max out contributions) I - income, (prioritize maximizing income, easier to save more when you make more) P - plan, (set you 5/10 yr plans and goals)

[@Antonjlavey]

This isn't a thing no more.... This year is the only year too make millions after that your going to be a slave

[@EroticInferno]

My parents are the first millionaires in my family because they happened to be born at the right time for the American come-up. It’s luck.

[@dvnstwrt00]

Fact!

[@sickmade801]

I can't even buy a house though. We're not poor by any means but these housing costs here in Utah are absolutely insane. I feel so overwhelmed.

[@arienefariello217]

Damn. Almost convinced me to sign up for that planet fitness membership.

[@meowtoes]

i’m glad i have patience and stayed for the rest of the video💀 y’all woulda caught me on the pole 😭

[@sillygirl1139]

Love this girl so much!

[@anaitzaroman4013]

“How to not be poor? Be rich instead!”That’s what this video felt like.

[@lolsaXx]

Yep. I can't get past the "S."

[@amarablue3509]

Right. All of this requires money most of us don't have

[@Angel-lt1sh]

Right 😂

[@tatiana4050]

"Just make more money" is literally one of the steps, and she doesn't list it as a first one

[@strawberries217]

That's exactly what she at the "I" from "Strip"

[@galwestlove]

Say no more!!! I asked God for a sign and this was the first video that came out🙏🏽 Thank you rich bff, I knew you would help me some way…Stripper it is

[@valk7229]

You are so right, girl. If people would do this when they start working, they wouldn't have to subsist when retirement comes along.

[@jaquicx9500]

Instead of rubbing in your skincare, try to apply it gently, and once its distributed, tap gently ontop of the skin with your fingertips. Love you bestie❤

[@dummy4ever816]

Pls share tips on how to save taxes, I’ve paid almost 10k in taxes this year 😢

[@werethenowgeneration]

You can go to your hr department and ask them to increase tax withholding

[@James-ws9ze]

Max out your pre-tax retirement accounts (401k, traditional IRA, not Roth IRA, etc.).

[@user-dl8le5cs6t]

Wow the baby steps

[@FIRING_BLIND]

I definitely plan on doing a high yield savings account the minute I can afford to. Your tips are great, it's just sad that they often require us to have a certain amount of money in the first place. But I know I can get there. I just have to make sure not to settle for poor compensation, and be smart with my money

[@meganfuller2817]

I love your videos! They're informative, straightforward, and doable. Thanks!

[@Delulu_liv]

I’ve been able to pole dance since I was 7 so I was prepared when you said to stip💀

[@shumatsuopost]

The way you explained that is very interesting! Good video!

[@n.a.a]

Good thing where I live your workplace have to register you for the retirement fund organization and around 7% of your salary is going to that and 10% of your salary is going from your workplace to the same account and once you retire the organization will be paying you monthly salary which would be around 50% of your last salary Saves us from the stress of retirement

[@othersbyuri]

Okay first where😊so I can move there? 2nd I hope you are using all opportunities available to you ✌🏽

[@Lizzard320]

Oh please. Save😂😂😂😂 🤣😂🤣😂 I don't even have enough for food😅😅😅😂😂😂😂 funny. Y'all funny. 😂

[@shellb1633]

Is there a way to get a consultation with you?

[@dazzydaz2693]

These are the same tips I would give as a bank advisor. Very sensible, and I never would have thought to call it STRIP lol.

[@HealthFlexor2728]

The "Learn how to strip" part got me standing up straight and looking around thinking where???😅

[@chatslady7708]

Really curious if the same patterns work on other continents like Europe?

[@Honey-rp6zx]

I was wondering that too bc I live in Europe. Some will overlap but I think for the most part it’s catered to Americans. Where I live the tax is 52% so we don’t have a lot of disposable income. I notice that quite a few American do though. These tips would probs work better for them

[@lorelange]

​@@Honey-rp6zx 52%?? Where do you live?

[@jennenny87]

In most of Europe, you don't need to have that much money to live a happy, stable and fulfilled life. You don't need that much savings to retire and not starve or become homeless. You don't have to constantly worry about and strategize about making more money to feel safe and like things are going to be ok.

[@lucys1583]

Depends where in Europe. I m from Romania ....yh...unless u have a good/high pay job that is quite hard to get unless u know someone or have connections even if u have a masters degree, it doesn't go like this...u won t be able to save ..but u will have a pension for sure.... I work in Italy for 10 years ....now that's a good thing. U will have from where to save, u will live decent life , good food, saving a little bit. Now I m in London......it's a.dissaster.. ....unless u make over 30k a year as a minimum u won't be doing much of saving if u have an exorbitant rent to pay or high mortgage. So if your single on on a 25k your struggle is real but the government helps people on low wages. The good thing is that if u have a university diploma u will find a good paid job bit u will also pay more tax....soooooo

[@justryingmybest]

You can basically retire by buying a plot of land and putting a tiny home on it. Just buy one of those Home Depot "sheds"

[@kiaraukeje105]

This influencer videos are so good, that I just start liking them if the title catch my attention. She’s so informative!

[@Dwights_trash_can]

Pay your debt smallest to highest amount so you don't burn out. The physiological win will keep you going

[@vydiab3463]

Hi, I'm Vivian, too. Thanks for the advice

[@KatharineMongrain]

I get a 3 to 5% raise every year (bigger ones if I move positions), I have the traditional retirement and a diverse TSP, plus I keep my credit card debt minimal if required (0 whenever possible).

[@margaretdavis1344]

Wow!!! You are wising me up. Thank you so much.

[@Antonjlavey]

How your done for.... stop paying your debt

[@katannyadirkson6147]

I love this. I wrote it down! And the other viewers are right: your delivery is great. Thanks!

[@allie2121]

Love the advice!! I hope to retire on time lol

[@latishataylor4942]

Love the acronyms💕✨

[@FlywithMe365]

I like how honest your message is.

[@Antonjlavey]

It's false

[@vanessavilchez1587]

Nice! You always get my atention Can You Please do a video with all the important vocabulary You use Thank You in advance Your fan

[@zionsdaughter3954]

You are awesome!!

[@beccabee1958]

As someone in my early twenties who had a whole mental break because I realised I won't be able to reach any of my five or 10 year goals, I usually say I'll set five to 10-year milestones. like I would want to have around xyz saved up or I would want to have traveled to these places in 5 years or 10 years instead

[@elliesquires2753]

I so appreciate ur advice. Ty

[@user-4538]

Hey vivian! Your advice seems super helpful. However I live in Europe and not America. Spesifically, Norway. Can I still do this if I’m not american? Do you think this advice, or even most of the tips on your channel would also apply to if we don’t live in America? Love you ❤

[@essennagerry]

That's exactly my gripe with the info that's out there - no hate, I'm happy Americans can benefit from content like this, but it would be AMAZING if someone picked all these things apart in a "for dummies" or better yet for aliens type of way and then explained what equivelants or what similar things to these for Europeans and WHAT THEY'RE CALLED LOL. My problem is I can't even research cause I neither know what stuff is out there nor do I know what stuff is called.

[@TheSwedishHistorian]

the only difference is the specific retirement advice. You have the state pension, although it will probably decrease somewhat with time as there arent enough working age people to support every old person. Probably just want to have stock savings, pay off the house etc.

[@Hoop880]

I’m on disability so most of this is literally impossible for me to do and I’m pretty sure I already had credit and bills in my name as a baby.

[@millennialhmong7121]

Love your fun ans exciting way of educating. You are totally my rich bff

[@jamesorona9726]

5 Steps to Fincancial Freedom!🎠 kzbin.info/www/bejne/m57En32LgcqXa7c start now 🎠🎠🎠🎠🎠5 Step guaranteed!!

[@rafisalfonsonin4908]

You are like the big sister i wish i had. This the most simplified lessons yet so practical useful.

[@blueroses4767]

step one: already cant do that bc i dont make enough to put in savings lol

[@W3irdH3ro]

Have 20 dollars pulled right out of your check before you even see it. Should be called allotments. A lot of people set up Roth accounts or even talk to the bank they bank with. Good luck!

[@SimpleX3927]

This is so helpful for people who are about to go into the world of work and teaches them early. Pls can you do a video on similar schemes in the UK because sometimes it can all get really confusing for me as most people talk about the US?

[@virgobee23]

Multitasking LIKE A BOSS!!! ❤

[@tropicalbreeze-hh3sh]

You’re the best!

[@roh819]

got my first raise yesterday yay!

[@moonshynegirl172]

I've gotten two raises this year. One for cost of living and one for my performance review. I pretend they don't exist and send them straight to my 401K.

[@anella6280]

I'd go for a more pigmented blush 🤔

[@reneemorris7197]

I like this girl!

[@sammy_lynn]

Love this

[@feliciaboston6365]

Lmaoo I died with the first sentence

[@sophiam642]

This woman is teaching me more than my financial literacy class has.

[@turningsenseintodollars]

Love this! ❤

[@Jellybunie]

UGH- I wish I had a friend I can talk abt for this. Ofc I do know all of these, but from my own research. I just wish I had someone that I can be held accountable by and discuss different strategies

[@user-fy7fw4cx2w]

I love this

[@lavellas39]

How do u invest the accounts? I’m still a teen and I plan on becoming rich so how would u invest that kind of thing?

[@eboniejohnson9522]

You can get a ROTH IRA basically as soon as you start working, part time or full time. You can open up the account with a bank and you can contribute up to $6,000 a year to it. Once you work full time, your employer will probably have a 401k or 403b benefit that you can invest in (most of them will even match some of the contributions you make). Right now, as a teen, you should be able to invest in any brokerage account (like with Fidelity, Vanguard, or Schwab). You could even buy I-bonds too in the U.S.

[@lavellas39]

@@eboniejohnson9522 so do you invest the money in the accounts or invest in the account???

[@eboniejohnson9522]

@@lavellas39 You invest the money into the accounts. When you get a paycheck, you can set it so some of your pay goes to your 401k (or 403b if your employer does that). With a Roth IRA or brokerage account , you put money into it every month like a savings account.

[@lavellas39]

@@eboniejohnson9522 that makes sense I think

[@acourt2383]

Well done. ❤❤❤

[@KK-Mart]

Thank you❤

[@v2001]

Simple and practical advice. YT shorts were made for you!!!

[@curtisdavis8594]

😊.. Make Up on and knowledge on the money management tips... 👏 👏

[@chucalissa9231]

Your so funny love it 🌟/ can't all friends some don't wish you well 🤷‍♀️

[@AligningHer]

I like this! Podcast?

[@cindyt6909]

She has one

[@Aritul]

Thank you.

[@miguelsosa2580]

That blush... Where is it at? Am I blind? Love you girl.

[@helenpacio9526]

thanks for financially educating us, my bff

[@wilhelminairis6675]

Thank you

[@winbalingit8502]

The banks don’t seem stable, don’t trust a Roth anymore!!😵‍💫 Isn’t silver more Stable??What do you think of Robert Kawasaki?🤷🏻‍♀️

[@Antonjlavey]

Don't listen too these people what there doing making yall lose money while there pulling out of these place.

[@nalukful]

What products are you using thooo

[@senica41]

Ty 🎉

[@jackscorner9155]

Lol I’m over here praying for $30 an hour with my Bachelors and I’m lucky if I get to work 8 hours a day 5 days a week. Shifts drying up, jobs are over saturated I’ve done everything I can. We’re extremely frugal but have tons of bills and everything from COVID when we had our own business.

[@Sunshine-zm2ee]

I need to save this

[@lourdesaspa8437]

For a minute, I thought I really needed to work that pole. Thanks for the STRIP. You got my attention.

[@Bizkitpookie]

Love her!!! Can you tell us pls how to ask for a raise!??!

[@shanagirl33]

Excellent!

[@samtoffolo]

I need a Canadian version of you.

[@thomassanfrancisco5850]

Good plan

[@blabla22222]

Dave Ramsay’s debt reduction plan is more practical and efficient than prioritizing paying down debts according to interest rate.

[@scarlett1330]

They should teach this in school

[@rein5066]

Love your videos! Any advice for Canadians for high yield savings accounts and for retirement accounts? I'm still very new to this

[@jh4yt1008]

This advice teally works. Just don't expect instant results.

[@nachoijp]

It's better to pay debt from lowest to highest. That way you can snowball the money to pay the next debt in the list and you increase the amount of available money you have, which is great in case something urgent happens.

[@TheRealBigTings]

It has taken me 10 years starting at 18 my net worth is 1.5 million i still feel poor in california i started my own company and finaly opened 2 months ago officially, today im 28 and there is still alot to be done before i can relax

[@cherrelle40]

Congrats

[@Concerned_Kitten]

The first part sounds simpler, I'mma just do that

[@ummwhat2631]

Soooo beautiful 😢😢❤️❤️❤️😍

[@womanoftruth]

❤❤❤

[@ngofam1302]

Well said! Well STRIP❤

[@melandyosgoodthings3142]

❤❤❤❤