How to Reach Your First $100,000 and Beyond (A No Bullsh*t Beginner's Guide)

[@L0_V]

“You know you are rich when you can share everything you have and lose nothing”. I hope everyone takes a moment to really feel this meaning because the proof is in this video.

[@c4irr0tc4ke]

As a 19 year old trying to put my foot down on my finances... I'm so happy that my old highschool counsellor showed me this channel. I really appreciate how you describe things so clearly & directly. 💖💖💖

[@steveantonioni]

Wow, that's really cool! Shoutout to your high school counsellor!

[@c4irr0tc4ke]

@@steveantonioni yes shout out Ms. Kim if she's around reading comments on KZbin hahaha

[@miguelothemelo7396]

Look into business cause you need to learn (invest in your self) how to make constant money now

[@tylerporter9624]

Ima Tell You The Realest Shit Ever! Save at least 10% of everything you make. Stack that shit up. I’ve made so much money from 19 to 29 & lost most of it thru women, taking care of friends & family, Smoking weed & drinking. Your missing out on nothing. Enjoy yourself from time to time, but always stay focused!

[@steepdeej]

@@tylerporter9624 As an 18 year old, my parents even tell me: Go out and do something teenagers do. I feel I am missing out

[@MaximilianFischer497]

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

[@TicheDebb0]

Proper research, good analysis and luck is what you need to make profit in this constant market decline. It's all about finding the right moment to take advantage of and generate colossal profit, which is why you need to do your research

[@AshleySommerset808]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.

[@MarshalWagner457]

Mind if I ask you to recommend this particular coach you using their service?

[@AshleySommerset808]

'Rebecca Noblett Roberts' maintains an online presence. Just make a simple search for her name online.

[@MarshalWagner457]

Her website appeared right away, You've saved me several hours of research, I appreciate it.

[@debbygradley25]

Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.

[@EthanBrown_23]

The methods are challenging for the average person. They are typically carried out successfully by experts with a high level of ability and expertise in such trades.

[@donaldwayne7023]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@danieltaylor--65]

That makes perfect sense because you seem to know the market better than we do. Who is the mentor?

[@donaldwayne7023]

'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@donaldwayne7023]

'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@xt14n]

The time and effort put into the spreadsheet deserves 100k likes. Really appreciate it!

[@text2324]

✨ 📩 Thanks for your comment" Text me on the number above for Life-changing investment innovation & ideas..

[@diane.moore-]

Great video, a number of the most eminent market experts have been expressing their views on the severity of the impending economic downturn and the extent to which equities might plummet. This is because the economy is heading towards a recession and inflation is persistently above the Federal Reserve's 2% target. As I'm aiming to create a portfolio worth no less than $850,000 before I turn 60, I would appreciate any advice on potential investments.

[@mariaguerrero08]

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

[@ThomasChai05]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@mikegarvey17]

@@ThomasChai05That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@ThomasChai05]

'Gertrude Margaret Quinto' maintains an online presence. Just make a simple search for her name online.

[@Susanhartman.]

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

[@steveantonioni]

CORRECTION: The Neo sign up bonus is $35. My bad, sorry! Nonetheless, still as close to a free $35 as you can get and the accounts are excellent if I do say so myself! neo.cc/refer/U9R5E2J3

[@SpencerJohnsonOfficial]

I love videos like this. Building your financial literacy even just by working through a spreadsheet like this is so important. Thank you for all you do Steve!

[@text2324]

✨ 📩 Thanks for your comment" Text me on the number above for Life-changing investment innovation & ideas..

[@kansasmile]

Automating my finances to invest in mutual funds has been one of the biggest keys in helping me not only stay out of debt but invest money without even thinking about it. This video is super valuable... great work Dave! I have been able to grow my portfolio from a measly fee of $20k to $100k in 12 months.

[@svengrot7943]

Can you explain how you achieved these feet in 12 months? I wish I had started investing in the stock market earlier in life.

[@baileymclean8186]

I have successfully diversified my portfolio and grew it by also following the trading indications of my financial adviser "JILL MARIE CARROLL", a US certified CFA, and it has been a huge relief. Highly diversified portfolio, incredible results, and little to no effort on my side. In the third quarter of 2023, my aggressive portfolio returned about $150,000.

[@blaquopaque]

i'm delighted I came across the topic at hand but I'd rather start softly and gradually ramp up the intensity. Do you simply hand her your money or meticulously copy it? How much does Jill marie charge for her services?

[@baileymclean8186]

I cannot give anyone my money, and I strongly warn you not to do the same. My account simply reflects her trades; I'm not sure whether she has a minimum, but you can ask her on her official website.

[@blaquopaque]

I Found her website and left a message after searching her name online. Hopefully she answers soon.

[@glohare]

Hi Stephen, something you might find useful when sharing google sheets is if you change the part in the link that says edit to copy people will automatically get a copy rather than having to save it. Sometimes people forget to do that and it messes the sheet up 👍

[@moodsaya]

Yeap. This way it's super smooth.

[@DreamweaverShade-h9p]

Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 15 months and l've accumulated over $700K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.

[@devereauxjnr]

Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.

[@Tsunaniis-j5l]

@@devereauxjnr I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over 2.8million.

[@MakeamericaGreatagain-h7j]

@@Tsunaniis-j5l I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

[@Tsunaniis-j5l]

@@MakeamericaGreatagain-h7j My advsor is NICOLE DESIREE SIMON, you can easily look her up, she has years of financiaI market experience.

[@MakeamericaGreatagain-h7j]

@@Tsunaniis-j5l Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé

[@FuzzyPrincess94]

So, I’m your age. 28. Female, born and raised in New Orleans. The Deep South. And, not to put all the blame on my surroundings.. but I really am at a lost. I’m the only one in my family to even make it to high school (I graduated and did some college) but all of this just feels so beyond me. I’m trying to help myself, learn enough to make smart moves but it seems I’m just plum dumb because it all goes over my head. I’m at a point where it’s so embarrassing to ask for guidance financially because I should know at least the basics. Idk, I’m just discouraged and want desperately to help myself but don’t know how. I’ll get there eventually I’m sure. But damn. On the other hand, I’m happy to see how the younger generations are wising up, investing early. And overall making smart financial moves with so many resources at their fingertips, and the wit to navigate it all. Anyway, I love your videos and your meek demeanor. You are so endearing to watch.

[@Ioannikios174]

Nah, don't be hopeless. I come from a lower middle class family of immigrants who constantly had financial issues and I never did well in school. I'm in a trade now and look to start investing seriously this year. Don't limit yourself. You can learn personal finance through apps and tons of articles and videos. Just take it day by day.

[@jesterex0]

Much respect for building your own financial tool!! Some areas for improvement I noticed (if interested): 1. there are no simple/convenient indicators for poor/strong financial choices. I would recommend conditional formatting so that positive messages have green cells (as they do now), but negative areas have red cells. 2. the tool has a number of errors when someone is debt free. I would recommend building an additional condition for any of the debt related cells to address that. 3. I noticed a number of typos throughout, I would suggest pasting all the messages in word and letting autocorrect work its magic.

[@Kelalasdemonx]

Hi, I think you shared some fabulous ideas! Can you please tell me how to format the cells so I can implement these ideas myself? Or even a YT tutorial on how to do it! Thanks again

[@andrewjmcgehee]

small bug in the sheet: the financial priorities still output that you have "high interest" debt if you have $0 in credit card debt at 21% interest rate. so even though the rate is high interest, there is technically no debt. this is important for people who use credit cards but regularly pay them off on time. thanks for the sheet!

[@zanychelly]

Started watching your channel, with 20k invested. Now I have 120k, investing through the whole downturn as much as possible, I hope i can get to 300k in the next couple of years.

[@text2324]

✨ 📩 Thanks for your comment" Text me on the number above for Life-changing investment innovation & ideas..

[@khaleelzubair]

How long did it take you to gain that 100k

[@95TurboSol]

How to build wealth no matter what? Live below your means. Yep that's it, you're welcome. Also, avoid or pay off debt quickly. Debt is simply importing your future money into the present with a certain percentage lost in interest, so what happens is people live well for a number of years by taking future money now then when the future gets here that money isn't there and you're poor, or at the very least you have to work twice as hard to maintain your current lifestyle. So find what is in your means, then live about 10% under that and save or invest it, or both. It's worked all my life.

[@jamesfrancese6091]

And yes btw Excel/any equivalent modern spreadsheet is absolutely a 'programming language' -- it's just wrapped in a bunch of user-friendly software that helps you produce a directory structure of XML files without you needing to know how to 'code'. This qualifies as 'programming' -- whereas e.g. using Microsoft Word/any equivalent modern word processor is not -- because the user needs to actually test this directory until it meets certain input and output specifications. It's not just some files you created somehow. I feel that Excel should be more often taught as a 'programming language' in this sense.

[@GhanYt]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start........

[@bahijarhafiri]

With the help of an investing advisor, I diversified my $400K portfolio across markets, and I was able to earn over $900k in net profit from high dividend yielding equities, ETFs, and bonds...........

[@bahijarhafiri]

My consultant is Jenny Pamogas Canaya She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision..................

[@gaweindegraaf]

Retarded bots

[@iamthekwan]

Thanks mate. Primarily for adjusting my perspective on Savings > Profits. I was never taught to save growing up so my savings has always been almost non-existent, and this somehow carried over to my business, where I just make enough to live comfortably every month. I appreciate the many hours you spent making this spreadsheet and video. PS: Neo now offers only $25+10. Shame I missed out on $50 but free money's free money. Thanks Steve.

[@TurboBass]

Google Sheets / Microsoft Excel is a great way to create these forms! You can visualize things very easily and it can be adaptive which is amazing.

[@Christopher-fn2dl]

I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks (with the help of my Financial Advisor of course) and made about 246k, but guess what? I put it all back and traded with her again and now I'm rounding up close to a million.

[@calebgomez8026]

Investment is that tiny line that separates the RICH from the POOR. The foolish from wise sorry to say. I can proudly say I am wise today because I can provide for my family through my investments.

[@aishashehuumar3160]

When you hold, you stand the chance of losing it all, thanks to Mrs Kathy. I and my life partner are retired already but still derive funds as profits trading with her.

[@michaelnicole6286]

Fluke! I have been researching all this while for a digital asset to invest in and I found the crypto market to be the most profiting of them all, I'm definitely bouncing on it

[@ashesrockstotaldrama]

Proud of you

[@BartoloIlliano]

with the income you have in the United States, it takes less than 2 years to bring in this money, in Italy or in Europe in general - just to bring it in it takes 5 or 6 years - to save it at least 15

[@WilliamMoutrey]

this is life changing info here man thanks a ton for all that you do :) just turned 29 and really feel like I needed to get serious about my finances and this is exactly the type of thing to set me in the right direction. also your style is dope :)

[@londonunnie]

Thank you so much for explaining so clearly and honestly. I feel so encouraged! There are so many personal finance KZbinrs these days that feel like advertising clickbait. This felt so genuine

[@nerissa.flores]

Thank you for the sheet and tips Stephen! I recently started my first full job and I really wanted to start valuing and improving my financial journey. Bless you for this ~

[@brib1626]

Thanks for this! I have a couple questions: for Property (Excl. Mortgage) section, do we put the total home value here, or the paid off part that equals the equity we have in the home? Also, we own a home but rent it out to renters, and rent an apartment - does it still work if I also include rent expense as well as mortgage expense?

[@steveantonioni]

You put the paid off part that equals the equity! Then I’d put the rental income you generate under investment income at the top. And include the mortgage you pay in the mortgage row and the rent you pay in the rent row. The sheet is admittedly not complex enough to capture your situation perfectly probably. It’s more geared towards beginners. If you’re already renting out a property for income you’re past the beginner stage :)

[@samanthadonovan29]

HI! Under the Analysis tab, Cell B46 has the formula =IF(Table!B56>B6*3) ... Cell B56 under the Table Tab is a Blank Cell, did the formula mean to use cell B18? The work you put into this is amazing! I am having so much fun playing with it.

[@JIRKAMAREK10]

Also, I believe that B6 is annual income, not monthly expenses (it should compare whether your emergency fund covers at least 3 months of your expenses)

[@IvyLilley]

Really appreciate a free spreadsheet which is on Google docs so accessible to everyone! I can’t stand the over-saturated with colour sheets anyway, clunky & muted colours are great! 🖤 Also the savings v profits thing is genuinely life changing, I’ve never considered that

[@cameron2538]

11:11 by scrunching up your eyes, you really really really got the point across. Now I know how important it was to you. 🥺

[@DarrenDobson]

Stephen, thank you for sharing this free of charge. Well done brother

[@steveantonioni]

It's my pleasure! Thanks Darren.

[@DarrenDobson]

@@steveantonioni Hey Stephen, I would like to invite you and your partner out to the new Thermea Spa Village Whitby as my guest. Would be great to chat.

[@patricklerato1775]

Great video. you've remind me of what someone once said❤ Making money is an Action, keeping money is behavior, Growing money is Knowledge. I once attended seminar and ever since then i been waxing strong financially, and i most tell you the truth

[@drmartin492]

People prefer to spend money on liabilities,Rather than investing in assets and be very profitable.

[@grantben5898]

You're so correct! Save, invest and spend for necessities and a few luxuries relatives to on's total assets ratio.

[@maryjames2691]

This must be an investment with Mrs Lauren James

[@JackThomas388]

@@maryjames2691 I'm just shocked you mentioned Expert Lauren James thought am the only one trading with her

[@maryjames2691]

@@JackThomas388 Haha you don't have to be surprised Mrs Lauren is really good and everyone loves genuine services,she helped me recover what I lost trying to trade on my own.

[@victoriarodriguez3985]

This a great video, I learn alot watching your videos and it has been helpful to me. building a steady income is quite difficult for newbies. Thanks to Karen Cosmann for improving my portfolio, keep up with good videos.

[@dr.albertroland]

I'm surprised you know her too. I've been making a lot of profits investing with her for a few months now.

[@waylonforgue8789]

I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.

[@victoriarodriguez3985]

investwithcosmann💯

[@mananrocks98]

Stephen thank you for providing this great resource but could this be made for different currencies? I think your insights would be based according to the US structure of finances etc right?

[@BulletProofBrain]

Interest rates are low compared to historical norms. Historically, interest rates are between 7 - 9%. In 1980, US interest rates hit 20%. In the UK during 1980s interest rates were 16% at their peak. So in reality interest rates could climb higher.

[@angelicavsvdv]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income i was able to make over $750k with just an investment of 120k you could try less

[@MattWildbore]

Great video and thank you for the file! I have a quick question - where the 'Stocks' row is concerned, where would I input a monthly contribution? e.g. if my Stocks Amount is £20,000, but I also add £1,000 per month into here - how would I show the £1,000 additional contribution, on top of the % gain?

[@guillermofeijoo7797]

Hey man, thank you for sharing this. Truly. I know we are just strangers, but you've earned yourself a subscriber.

[@alexjavi7849]

Graduated from highschool this year. My goal before 21 is to make 100k per year by taking advantage of even the smallest chances I come up to. But with college starting spring, I might need to start a 2nd income remotely. Any recommendations?

[@HelloKittyFreak96]

Thank you! I took screenshots and will be reviewing it with my husband❤

[@vicentecorrea5267]

Mmmmm, this is so goodd!!! I also like the way you explained the confusion around our philosophy with "savings"

[@ElleStocks]

Heya. Amazing work! Would rent and bills be included in expenses? I know there is a separate box for rent. Thanks!

[@horustortoise6110]

“Savings” become a problem when they just sit in a low interest account and lose value due to inflation. Savings are great when you have a goal to create wealth with those “savings” by buying assets at high value (cheaper assets). These assets could be properties, ownership in companies, or other assets, not liabilities, that will return income over time or grow in value to be sold at a later date.

[@GergelyKnipl]

isnt cash actually a liability in a sense that it loses value if you just keep it in the drawer? especially with thiskinds of inflation

[@RasKalevthesouljourner]

Me my brothers and my fathers family have always been poor despite being the hardest workers. I plan to change that even though I can barely afford food now. I’m trying everything sometimes working 12 hours for free bc it doesn’t work out. $ is the hardest fkin thing to make but one day I’ll figure it out or die trying.

[@cliffdariff74]

First thing: pay off all credit cards. Keep only one card for online bills and expenses. Pay off balance every month. NEVER PAY CREDIT CARD INTEREST OR PENALTIES EVER AGAIN.

[@sodaPapa7176]

This spreadsheet is pretty awesome. Thank you for taking providing us with this great content.

[@Ingamellc]

Thanks for that spreadsheet sir i also saved 100k before 30 as well

[@angelicavsvdv]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income i was able to make over $750k with just an investment of 120k you could try less

[@travisbrunner7449]

I’m so sorry for the unrelated and random question but can u tell me where u bought this beautiful paper panel from? Love the color.

[@sarahjasmine5942]

Love all your videos Stephen. I love the way you think and how you express your message across to everyone out here.

[@TermAndWander]

Loved the terminology part of profit

[@sambosmodernlife]

Watched because I love your Norse projects cap. Continued because it was informative

[@enerico]

thank you Stephen, downloaded it and started working on it. thank you for your time and effort on making this and the video!

[@text2324]

✨ 📩 Thanks for your comment" Text me on the number above for Life-changing investment innovation & ideas..

[@boredomtheadventure]

Great tool! I've been thinking about net worth lately and this was helpful organizing my thoughts. Thanks! p.s. Software Engineer here, in a few place you'll get an error if dividing by 0. I have no clue how you fix that in google sheets, but I just thought you'd like to know!

[@steveantonioni]

Thanks! Ah yeah true... I will look into that. Thanks for the heads up!

[@luiytheninja3655]

I wish I had this when I was 18, and in the military. I'm 29, now and still trying to fix all my fuck ups.

[@Ashleycashmoney]

Good for estimates, just wanted to point out the loan portions are wrong and should have their own schedule bc interest doesn't accrue linearly

[@LifeOfInsamity]

Hey hey, This is great! I did it myself and I think something is a little weird with level 2 on sheet 2 (or I messed up inputting my info). I am thankfully debt free, but it's telling me I have high interest debt. This then looks like effects a few other things such as tab 3 under "Liquid Assets to Debt."

[@MoniqueDiCarlo]

Hi, thank you for sharing your cool document! I have a question, my net income includes some 401k savings via my employer (it is taken out before I get my salary). How/if does that affect the numbers?

[@kyla5086]

I love the way your brain organizes things!

[@LifeContentArt]

What does the is video says except for the spreadsheet on expenses and income ? And also some link for some financial tools? Didn’t get what he trying to say

[@thriftingsuperstars]

Thank you for all of the effort that you put into this! You are appreciated!

[@demogadget]

30, 40 year crypto hold? This is beyond diamondhands. This is kryptonite hands.

[@JoshuaMackinnon]

Is there an easy way to change this to my home currency? Or do you think it would just work best to put in my numbers and just pretend the Dollar sign is a Rand sign 🔥 thanks so much for this, it's incredible

[@alexarivera5544]

I will forever be indebted to you ?? you’ve changed my whole life I’ll continue to preach about your name for the world to hear you’ve saved me from a huge financial debt with just little investment portfolio thanks so much Mrs Kristina Graham.

[@robinsonsmith5996]

I'm surprised you know her too? I've been making a lot of profits investing with her for a few months now.

[@amandascott7174]

You invest with Mrs Kristina too?Wow that woman has been a blessings to me and my family.

[@hamodbensonbenson1898]

i'm new at this,how can reach your broker?

[@alexarivera5544]

You can communicate with her on telegam with the username below 👇👇

[@alexarivera5544]

KRISTINAGRAHAM

[@brendanmcloughlin.photography]

I don't normally like and comment, but this is a great spreadsheet.

[@shinobi3964]

THANK YOU FOR ALL YOUR HARD WORK AND SHARING THIS WITH US

[@ChrisRomeroAISEO]

This is a great channel. Do you have any US based card recommendations like NEO?

[@LuLu-7802]

Isn't a car that someone is paying on a liability technically? Unless your renting it out and making more money than you're paying on it.

[@Tesla-Cannon]

Your google sheets are the goat 🐐

[@steveantonioni]

:)

[@HanScrub_]

Hi, need opinions. I currently have a fixed amortized personal loan. Am I correct to treat it as part of the expenses already and not part of the liabilities since the amount I have to pay will not decrease if I paid in advance?

[@angelicavsvdv]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income i was able to make over $750k with just an investment of 120k you could try less

[@joshuahenry1749]

Thank you for all your efforts on building this for us all! Wish me luck

[@MonsieurBlain]

Mint is a great budgeting app

[@steveantonioni]

Haven't tried it myself but it looks helpful!

[@ethankeon8152]

for the cash part wouldnt you input the rate of change as: (inflation -interast rate = %rate of change?)

[@mado6286]

Thank you so much Steve

[@wildchicken679]

This is free? Thank you!!! Best Christmas Gift 🙏

[@GamerBoyRobby]

Honestly if you know how to make that spreadsheet work then you would probably be a better programmers then a lot that I know lol. I work in software engineering and you'd be surprised how many people know very little

[@alexkevhikes]

Where are you supposed to put a 401k on this spreadsheet It's not quite the same as individual stocks.

[@thedojoclub]

Holy shit thank you so much for this. so super thorough; thank you thank you thank you!!!!

[@steveantonioni]

My pleasure!

[@lauraistrading]

Thank you!! This is great. Do we add rent as an expense as well in the first section?

[@steveantonioni]

Yes! All monthly expenses go there in the first section. You enter it again separately below to help with a different analysis that the sheet will run.

[@lauraistrading]

@@steveantonioni thank you so much :) I am so grateful!

[@yasinnabi]

making money depends on creating value, if you cannot offer something valuable, then you cannot make any money.. a fellow creator

[@rodrigoarpi4501]

Hey I live in the US is there any way I could use this NEO platform

[@saiishii4155]

Sorry if this was answered already somewhere, is the income bracket monthly or annually? (Assuming monthly)

[@erin_ly]

Under the Investment Insights tab, Emergency Fund keeps saying it’s incomplete even though there is an amount input on the Table.

[@nrmb7555]

Glad i found your chanel today. It has been a dope day

[@deodarhill]

"Physical Assets" doesn't make sense at all, unless ofc if it is a real estate. Counting the value of "electronics" and "equipments" as assets is just bizarre lol.

[@lauren8295]

Very cool. I tried out your tool. Great idea!! I noticed one kink: on Analysis tab cell B47 should say Table!B56>(B6*3) - otherwise it'll always tell you your emergency fund is insufficient in C6 of investment insights. Otherwise it works perfectly Thanks!!

[@lauren8295]

Or wait it says Table!B56>(B6*3) but it should say Table!B18>(B6*3)

[@text2324]

✨ 📩 Thanks for your comment" Text me on the number above for Life-changing investment innovation & ideas..

[@josuecosta8178]

hi @Stephen Antonioni I make a copy, then download it as excel. When I enable editing, all my insights stop working. All I see is #NAME. Any help ?

[@TangovagabondTV]

Looks like Neo only accepts Canadian mobile numbers?? Missed that part 'til I tried to sign up.. 🙄

[@angelicavsvdv]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income i was able to make over $750k with just an investment of 120k you could try less

[@pranavi.s]

Can't believe this is a free resource you made! This is such a helpful too!

[@hypersynesthesia]

Hey, thank you for this! However, not sure if I've omitted a piece of info on the first page (I don't think I have, though), but the first section of the financial insights page, B5 and B6, where it should confirm whether my income is higher or lower than my expenses and the corresponding advice, I'm just getting "#NAME?" errors. I've tinkered but not figured out what's upsetting the formula...

[@avinashchaudhary514]

me too

[@VIClER99]

Hi Stephen thank you for sharing this. I think some of your marcos might be broken on the file because when I plugged in all the numbers it came back with a '#name' error. Would it be possible for you (or anyone else whos had this problem and fixed it) to recommend a fix? Cheers

[@conorallen100]

People here are shilling crypto and day trading stocks these are the worst ways to build wealth, people may hate to hear it but the best way to increase your wealth is to learn actual skills and then get a job doing them, learn to program, learn to do framing or plumbing, then save money and learn to hold onto it, buy a house when inflation is settled and interest rates are normal, don't buy a new car right now, keep your car for years, it takes years oftentimes decades to build wealth

[@ebc92]

How does the spreadsheet account for monthly payments on the mortgage (not interest)?

[@steveantonioni]

It accounts for the total monthly mortgage payment including interest. That cell is for determining your housing costs relative to the rest of your financial picture

[@Coastalvibezz]

Great video using the template now...thanks

[@Apoapojj]

Jus discovered this channel and to be quiet honest I’m great ful for this information

[@melzap8179]

Thank you for this! Subscribed 🙏🏻

[@fitfri]

Can I change the currency in the sheet? Its usd, I need it in DKK. Or dosent it matter? :)

[@angelicavsvdv]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income i was able to make over $750k with just an investment of 120k you could try less

[@madeinkonada]

Thanks for offering such a useful resource. 👍

[@GingerGInTheNorth]

You have to live in Canada to use NEO Financial.

[@jollylolly016]

Thank you, this was great to really see how much I spend vs how much I make

[@Freiheit1232]

Ally bank in the US has a better rate at 3.3%

[@lukasdusek]

Is there any alternative for Neo in Europe?