How To Start Your FINANCIAL FREEDOM Journey In Your 30s & 40s (NEVER TOO LATE)

[@TheHumblePenny]

Are you a late starter on your Financial Independence journey? What questions do you have for us?

[@LivingSwedish]

That's me! 🙋🏻‍♀️🙋🏻‍♀️🙋🏻‍♀️ Too many talk about starting in your 20s 🤪 Great video, thank you!

[@TheHumblePenny]

Never too late! 😀

[@nickymorris1467]

Finally ! A lot of students in my uni are 30s and 40s . They need help too. 👏🏽👏🏽

[@TheHumblePenny]

Indeed! We have them covered :). Please share this video with others.

[@inatehex]

Brilliant video. Exactly what I needed as a relative latecomer.

[@TheHumblePenny]

Fantastic!! 😊. Please share with others and feel free to ask us if you have any questions :)

[@jimboslice5769]

Recently lost my job due to the current climate and about to have my debts wrote off, so I'm going to have a 6 year delay on building credit. Started studying with OU in business management & accounting so i'v got my career path on mind 👌🏻

[@daiwilliams6232]

Love this guys, this is literally me right now! Wanting to actually get a grip on finances. Just what I needed

[@TheHumblePenny]

Awesome! 😀

[@daiwilliams6232]

@@TheHumblePenny would love to chat and go through things!

[@c47los.21]

Thanks guys & Timi for the suggestion, this video is great and exactly what I needed 👍🏾

[@TheHumblePenny]

Awesome, Carlos 😀

[@Indowaindowa]

This was so needed, you both went to the core of why we wanted to start this FI journey. Thank you to you both for making such great materials available for free.

[@TheHumblePenny]

We appreciate you commenting and showing appreciation for our work 😊

[@blessingsbest6838]

The winning attitude!!!! I agree! It’s not easy but it’s important

[@eunicelouison4979]

Thank you for this video. There is a lot in there to work on. It feels overwhelming...but I am keen to WIN!

[@TheHumblePenny]

You can do this, Eunice! The road it not easy but it is very possible with determination and creativity.

[@keni919]

Hi Ken & Mary, an excellent video! I want to start stock market investing. However, is it better to wait until you have saved at least 3 months (or more) worth of household expenses (for emergencies) before starting stock market investing?

[@TheHumblePenny]

Hey Ken, good question. In these current circumstances, we suggest having a decent emergency fund put aside. It's important for your sanity.

[@christenford3864]

Thank you for talking about FI with a family. It's not as easy, but so worth it!!

[@TheHumblePenny]

Hey Christen, THIS is exactly why we're so passionate about this topic as not too many people are speaking about this journey with a family unit. It's not easy!

[@shazav9776]

Brilliant video and tips ! Thank you

[@TheHumblePenny]

Much appreciated, Shaza! Please share with others 😊

[@rottas3587]

Can I use more than two vehicles such as career maximisation and investments instead of focusing on just one?

[@natnat8393]

Nice to see something for people who aren't necessarily in their 20s. It's actually a little depressing and made me feel like it was too late for anyone older than 25 😐(I'm also in my late 20s and was on track but family illness among other things PLUS covid happened and wiped everything out so now I have to start all over).

[@welshhibby]

This is amazing content ✅

[@TheHumblePenny]

Thank you 😊

[@JO-on3ky]

Omg 20 seconds in and this is me!

[@TheHumblePenny]

😊

[@maryconnor6173]

Bingeing on your videos. Looked at your book list, read ‘rich dad poor dad’ a few years back but it was lost on me. How do you go about finding a coach?

[@TheHumblePenny]

Thank you! :). You find a coach by asking someone who is ahead of the journey than you are. Reach out and ask. Alternatively, recommendations from others is a good place to start.

[@Heidi123]

Try - The Escape Artist Barney Whiter online blog and he does coaching too.

[@Heidi123]

Humble Penny does coaching too of course.

[@nickymorris1467]

Does 0% credit cards or other debt consolidation strategies a good idea 💡. Thank you 🙏. Great videos .👌💕

[@TheHumblePenny]

Good question for another video :)

[@sorath931]

Here because I'm 28 and afraid it's too late

[@TheHumblePenny]

Too late? Heck No!! 😀

[@natnat8393]

@Sorath Soomro I feel the same based on how so many videos talk about starting from your like 18. It isn't too late still, it's just more difficult.

[@sgist7824]

Wow, how I wish I'd started at 28. If only I'd started at least my pension then.

[@Gershom-ki7fd]

For years I struggled with outstanding debts, bills and my children's school fees. I was at a point where I wanted to give up. I came across every KZbin channel about how to make and multiply your income through passive income. Fortunately, I had saved some money and decided to start an investment, Now I have bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that doesn’t believe in investing.. .

[@TheCXBbudget]

Is it realistic to become more financial free without jumping heavily into the investment game?

[@TheHumblePenny]

It is but it would be a lot harder. Plus you'd need to follow a different strategy like starting a cashflow generating business or property etc. But they too are different forms of investments. Do you have a struggle with investing?

[@TheCXBbudget]

Not struggling as I haven’t started yet I’m still creating my blueprint atm. However, the whole investment game frazzles my brain slightly

[@TheHumblePenny]

Watch our investing playlist here on KZbin 😊 Or if you want to learn everything you need and gain Investing Confidence in just 12 days, check out our Super Simple Investing program: thehumblepenny.com/SuperSimpleInvesting

[@davea5312]

I have started investing in funds and I am praying on a side hussle. I need a bit of guidance in investing in funds

[@justinaacorn5721]

Cannot go wrong with Index funds, S&P500 to start, maybe speak to a Financial Advisor.

[@davea5312]

@@justinaacorn5721 how do I get a free financial advisor or a financial advisor in general

[@justinaacorn5721]

@@davea5312 probably Google an approved one in your area or Yelp if you are in the UK

[@TheHumblePenny]

Please watch our investing playlist, Dave. We have created a number of videos on this. What specific question do you have relating to funds? :)

[@davea5312]

@@TheHumblePenny What specific funds to invest in and how does the money come into your account?

[@thelmatee4544]

Ken, Can you be my mentor please? Thank you 🙏🏾

[@TheHumblePenny]

Hi Ethel, Thank you! 😀 I do this via our Financial Joy Academy Membership Programme: FinancialJoyAcademy.com Or via small group coaching but this is more expensive: Thehumblepenny.com/coaching

[@muskanqureshi3131]

Can you explain more 72 rules!

[@thedasettafamily5269]

I am a starter in investments, anytime I try to date someone is always asking me if I am investing, So to avoid potential damage to my financial side I avoid the questions incase they are after only 1 thing. My previous girlfriend was that person and broke my heart. Because all she wanted was money and there's more to life than that and I just want to have a asian woman love me for me. I wonder if you could cover a video on this please so others won't get crushed like I have

[@TheHumblePenny]

Interesting and very sorry to hear about your situation. Please share more and it's likely something that others are struggling with too. If you could suggest a video title, what would it be?

[@thedasettafamily5269]

@@TheHumblePenny my former partner I met her and I fell madly for her to my mistake, knowing I wanted to get into investing she asked me to trade with her as I did I lost everything. Men and women can be horrible so sharing this if it could help someone I am happy. Thank you for using your platform to help others thank you

[@timipajor4296]

🥰🥰🥰

[@TheHumblePenny]

😉

[@NN-gu9qg]

What is the definition of Financial Freedom? All opinions are welcome.