I'm 22, How Do I Become Wealthy?

[@stayfocused6481]

I paid off $40k in student loans over the course of a year and a half. I put every single penny toward it since graduation. Tomorrow I get my first paycheck that I actually get to keep. It’s a crazy feeling.

[@evanmorrison3232]

That's honestly impressive. 40k in in 1.5 years is wild for most. Ggs.

[@lucilaolson5163]

Congratulations 🎉

[@TwistaGuy2012]

How did you do it? Asking for a friend 😅

[@stayfocused6481]

@@TwistaGuy2012 the biggest help was my income and very low living expenses. I landed a job making $80k after I graduated and only had about $1500 in expenses every month. That left a lot of money on the table for debt. It was extremely hard mentally to see these massive (or at least massive to me lol) pay checks coming in and turning around to punt it all on debt, but I’m very thankful I did. It’s such an amazing feeling to actually get to keep the money you make once you don’t have debt.

[@khai5244]

good for you man! i dont even know you but im genuinely happy for you!

[@AstaKristjan]

A common shred of advice I've been given by people I know that are extremely wealthy is that you'll never become a multi-millionaire solely working for someone else (i.e a 9 - 5)

[@Erinmills98]

And a dash of "luck." Every wealthy person can point to the exact moment in their life that opened the door for them to be where they are now. Usually, it is simplified down to "right place right time" because nobody recognizes the hard work and long hour grinds that they were making.

[@LarsBergstrom-uh2eu]

Hi, everyone needs a bit of luck, you could say getting bullied by my manager was my piece of luck. Without that I may still be where I was if I had not been strong enough to leave. Luck comes in all sorts of ways, you have to put yourself in a position to take advantage of it when it comes. Good luck.

[@MuradSamadov-n6i]

Luck played a big part in my success too. I was clueless about investing until I met the right professional, and that connection changed everything. A few smart moves, and my finances took off. Right person, right time!

[@Andrian-ch3on]

Glad to have stumbled on this comment,, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them??

[@MuradSamadov-n6i]

I've experimented with a few over the past years, but I've stuck with ‘’Kristin Amy Rose” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@GarshcaMendy]

Every family has that one person who will break the family financial struggle I hope you become the one 😏

[@tanjac.thomas5506]

I realize that the secret to making a million is saving for a better investment. I always tell myself I don't need new Maserati yet. That mindsets help me make more money. Last year I invested $30k in crypto and made about $234k, but guess what? I put it all back and traded again now I'm rounding up close to a million.

[@maryannmoore3480]

Same here ♥️ waking up every 14th of each month to $200k is a blessing to my family... I can now retire knowing that I have a steady income. Big gratitude ♥️ to Derek Mia Scott 🙌

[@MarlSangaley]

​@@tanjac.thomas5506.Big bumps to you, what a step you took, please any direction or suggestions from you!!! Need to start somewhere.

[@CollinStepna]

The process of trading can be complicated when you have limited knowledge. However with the right strategy and setup, you can be successful. That's the whole point of investing. I got into the market 10k and up to 76k in a short period of time. I was able to build a business from my returns♥️♥️

[@GarshcaMendy]

Everyone needs more than their salary to be financially stable. Best thing to do with your money is to invest it rightfully because money kept in reserved is dormant.

[@JenniferFernandez-72]

After so much struggles I now own a new house and my family is happy once again everything is finally falling into place!!🤗🙌

[@AndyStratton-jo6tv]

I'm 37 and have been looking for ways to be successful, please how??

[@AfrizHassan]

In times like this you need a good expert like Rita Orlando to help you get through.

[@JohnWilliams-u4u]

😱Sounds familiar, I have heard her name on several occasions.. and both her success stories in the wall Street journal!

[@MarkJason-up6hu]

The economic hardship, recession, unemployment and the loss of job caused by COVID pandemic is enough to push people into financial ventures.

[@DavidZack-ep7ss]

Trading without professional guide....Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders

[@CaseyBurnsInvesting]

The fact that you’re asking that question so early shows that you’ll be wealthy one day. Keep at it.

[@loliverde9955]

Agreed. If you're even thinking about it you're already on the right track

[@Themrleonkennedy1]

Yes!

[@ilovesasukeandleto]

Depends on future trends with the economy.

[@kalef1234]

@@ilovesasukeandleto buy the dip

[@justinacase2623]

@@ilovesasukeandleto time in the market, and a in demand job skill. Combo for success.

[@BarbaraRichstone]

Becoming rich is never easy. I've tried and failed but never gave up. l've saved up some money and now I am back again but not to do it all by myself this time. I will appreciate any nice person sharing useful/good advice.

[@Andrian-ch3on]

One crucial piece of advice I'd like to offer is to always have a solid investment plan in place. This includes setting clear financial goals, understanding your risk tolerance, and diversifying your portfolio.

[@VitaliiSych]

investing is a journey, not a sprint - take your time, stay patient, and stay focused on your long-term goals, have someone guide you.

[@BarbaraRichstone]

@@VitaliiSych I'm interested in having someone guide me as that was my last mistake but just don't know who.

[@VitaliiSych]

@@BarbaraRichstone Kristin Amy Rose is the licensed advisor I use. Just research the name. You'd find necessary details to work with to set up an appointment. Wishing you all the best ! 🚀

[@BarbaraRichstone]

@@VitaliiSych it was quite a straight forward process finding her on google. I appreciate your kindness.

[@moneybee]

1) Live on less than you make 2) Continue to seek knowledge and learn 3) See rule number 1

[@justinacase2623]

Amen Ms. Bee

[@randyparlor5953]

I often listen to people who say they've done that, however they never put great margin between income and expenses and they never put knowledge to use by taking necessary action to get rid of their debts and consistently invest in higher growth options over the years. So, they have not accumulated much to care for themselves in their latter years and to be able to give abundantly and consistently to help others.

[@JP-dz7zu]

That won’t get you wealthy unless you invest what you save, and invest well.

[@justinacase2623]

@@JP-dz7zu it works Everytime

[@TheDiadara1]

@@JP-dz7zu invest in what?

[@AddilynTuffin]

As a 26 year old married guy who just bought a home for my wife and kids and owes $340,000, that debt is daunting! I cant wait to get where some of you are. I received a $90k insurance payout from a work injury and want to invest it in the stock market. How can I get started?

[@AGNESCHANG-u9h]

Honestly, i would leave that money in an account that yields 5% annually , or if you're willing to take the risk of getting into the stock market i suggest you consult with a trusted fiduciary advisor for directions.

[@carolynrose1816]

My dear husband passed away in 2021, and I have around $400k from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just six months, I achieved over 80% capital growth, not including dividends. Highly recommended!

[@sledgeyyyyy]

@@carolynrose1816 Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.

[@sledgeyyyyy]

Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.

[@carolynrose1816]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Victoria Louisa Saylor ” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up

[@Joeknowsball247]

This is very inspiring. I'm working on my dream and feel like am bored. My company hired a consultant to give us retirement planning advice, and I had just started saving. The class, called "Starting Strong," recommended investing in a target retirement fund aligned with my 65th birthday. That was 20 years ago, and it's the only investment I've made. What other ways can I grow my finances? Any guidance in this regard would be much valued.

[@williamJohnsonq8f]

I believe the safest approach is to diversify your investments. By spreading your funds across different asset classes like bonds, real estate, and international stocks than putting all your in one. If your financial understanding is lacking, see a financial consultant.

[@AaronTilt]

Reason i decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became too much. I should be retiring in 17 months, so I've had a brokerage adviser guide me through the chaos. It's been 9 months now, and I've made approximately 650K net from all of my holdings.

[@camille_ann3]

Interesting. I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@AaronTilt]

The advisor am currently working with is Teresa L Athas. I came across her in a Bloomberg interview for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look her up.

[@chetrichards-m6z]

Thanks for sharing. i searched her full name and found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.

[@joeyphaze7509]

I’m 8 months old how do I become financially independent

[@wanilimbe]

Rice and beans beans and rice

[@mitshua]

It's time for you to move out of your parents house

[@PunkRockGardener]

Sell the car!

[@Yo-oq9gg]

mashed-up rice and beans

[@elefantrising]

Don’t have kids too expensive

[@limaradam4728]

You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life

[@francisonyige9618]

How ..? Am a newbie in crypto investment, please can you guide me through on how you made profit?

[@steliosmormoris1]

Wow I'm just shocked you mentioned Maria Davis, thought I'm the only one trading with her

[@swankydreams729]

Trading without professional guide... Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders

[@kelvinolad3382]

Yeah get connected to Maria Davis, here's her line👎🏻

[@kelvinolad3382]

+1520

[@JackSmith-w1t]

Antozent- they are selling around 250 self help books for the price of one (you’re welcome)

[@nullchånnėll00]

Wow. Thanks you so much

[@VehbiErdem-z9g]

It\'s crazy how hidden money manifestation on shirlest isn’t more talked about. It completely shifted my perspective and brought me abundance I never expected.

[@Ankitparjapat437]

it helped me change my life also

[@Surajgaming-216]

thanks

[@ElaishRahman]

thanks

[@YasminParween-uv3jw]

thank you

[@ArunSinge-ol7hr]

best ebook for sure

[@CharlotteJacobsons]

Wow, $21k in emergency funds at 22? You're already ahead of the game! Now it’s time to put that cash to work. Start by diversifying your investments-think stocks, bonds, real estate. Don't just stash it under the mattress!

[@MollyShorters]

Nice work on the $212k stash! But remember, going solo can be risky. Consider talking to an investment advisor; they helped me turn my savings into something impressive. I found mine through a referral, and it's been a game-changer.

[@blissds-gi3mb]

Great suggestions! I’m also looking for an investment advisor but feeling lost. How do you even find a trustworthy one? Any tips or recommendations?

[@MollyShorters]

Finding the right advisor can be tricky. I’ve had success with a CFA I’ve worked with for years: Linda Aretha Reeves. Her performance is top-notch, and she’s highly respected in her field. Definitely worth checking out!

[@CharlotteJacobsons]

Just looked up Linda Aretha Reeves, and she seems like exactly the person I need for my financial goals. Thanks for the recommendation!

[@g.s.632]

Basically don't put all your eggs in the same basket?

[@DM-hk7hh]

Dave is so inspiring ❤️. Because of him, I no longer have only $20 in my bank account and no longer in debt. I’m 21 and a full time student. I work a 7-4 Monday - Friday job and play in a mariachi every weekend for extra income. Steadily, I’ve managed to save about $6000, which isn’t much, but I’ve really come a long way these past couple of months- all thanks to Mr. Dave Ramsey of course! I’m so thankful for him and his crew. I finally feel like I’m headed somewhere in life. So thank you from the bottom of my heart! ❤️❤️

[@justinacase2623]

You are on your way to great wealth! You know more at 21 than most 50 year olds!

[@blackworldtraveler3711]

Very good. At first I thought you were going to advertise a financial KZbin channel or leave a name/number of a money genius like half the people here.

[@justinacase2623]

@@blackworldtraveler3711 you mean Mary Smith? She is almost as good as John Dough. I made millions trading FCOJ. I tried pork belly s, but with the war on bacon........

[@blackworldtraveler3711]

@@justinacase2623 You got it.

[@justinacase2623]

@@blackworldtraveler3711 LoL, next stop my seminars! It's a cross between a Amway meeting and faith healing, a love offering is required.

[@susannicky]

bein a wealthy is by determination.

[@GhanYt]

when you set your mind to something it will turn up with a good result

[@bahijarhafiri]

you must put effort to be come wealthy

[@graywilliams_77.]

as a successful wealthy man i did not make it all alone,....i always have my adviser.

[@susannicky]

who is your adviser?...

[@graywilliams_77.]

Jenny Pamogas Canaya is my successful adviser...

[@jessicaforbes5327]

I manifested $4250 and $500 in one week without working for it. I did it once. Just once. lol. I wanna do it everyday

[@Dewsbury-Hall-h]

Investing and trading now will be the wisest thing to do especially with the current economic fluctuation and inflations.

[@Kathylien-j9u]

That's awesome!!! I know nothing about investment and I'm keen on getting started. What are your strategies?

[@GonzalesDavis]

As a beginner investor, it's essential for you to have a mentor to keep you accountable. Gillian Sara sheeran is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@EricaStewart-x]

Same here all thanks to Gillian Sara sheeran, she has always been there to guide me through with detailed analysis and recommendations that I wouldn't have access to otherwise.

[@TillyTurner-t]

Ma'am Gillian Sara sheeran is considered a key Crypto Strategist with one of the best copy Trading Portfolios and also very active in the cryptocurrency space.

[@josueehdz]

Moms, for helping people set up at the beginning of life will always be such a blessing. Never stop being grateful for what they do, and never take for granted their advices, mothers will always want the best for you.

[@AnastasiaIvan-hs3vg]

The problem we have is because Most people always taught that " you only need a good job to become rich " . These billionaires are operating on a whole other playbook that many don't even know exists.

[@LatoyiaCouch87]

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

[@AlanJuan52]

It is remarkable how much long term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.

[@RandyVincent808]

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

[@IsabellaJulialove]

Many individuals report success in investing in stocks, forex, and cryptocurrency (Bitcoin), yet I continue to struggle. Can somebody help me out or advise me on what to do?

[@KelvinAnthony5]

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 that nothing beats experience and that's final. Personally I had to reach out to a stock expert for guidance which is how I was able to grow my account close to $35k, withdraw my profit right before the correction and now I'm buying again.

[@MegatPage]

Your commitment to educating your audience is truly admirable. We all aspire to attain financial stability and improve our lives. This goal can be achieved through smart investments, mindful spending, and prudent budgeting. I'm thankful for realizing the significance of striving for financial freedom from a young age.

[@StacieBMui]

Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.

[@cowell621]

I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years

[@LiaStrings]

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.

[@cowell621]

Credits goes to “Sonya Lee Mitchell one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@VictorBiggerstaff]

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

[@sunitabhadoliya9240]

Anyone else here obsessed with Secret Pathway To Triumph? It's like discovering a secret treasure map for wealth!

[@jacnelson3423]

Nice video with trading, technical analysis skills alone are not enough; discipline and emotional maturity are also crucial for success. The saying "time in the market vs. timing the market" is a good mindset to have during market fluctuations. Thanks to Shea Ardolf’s insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Keep it up!

[@jacnelson3423]

Shea Ardolf program is widely available online..

[@normandholland8374]

Trading systems allow you to limit the factor of emotional influence on decision-making, as well as to give the trade a certain degree of systemic character.

[@dorothyweller7736]

Without a doubt! Shea Ardolf is a trader who goes above and beyond. She has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.

[@alfredjones3984]

Investing in Bitcoin is the wisest asset to be in, not trying to shit on other stocks, it just won’t outperform Bitcoin over pretty much any long time horizon…reality over feelings!!

[@sidinhasol]

Job will pay your bills, business will make you rich but investment makes and keeps you wealthy even till the future

[@MasonJacobo2w]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024

[@IsabellaAriau2m]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

[@AlexanderOwenb9l]

Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@AidenLiamf7q]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@AlexanderOwenb9l]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@AidenLiamf7q]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

[@ChristopherAbelman]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation

[@FinnBraylon]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown

[@PennyBergeron-os4ch]

No doubt, having the right plan is invaluable. My portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.

[@HildaBennet]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@PennyBergeron-os4ch]

She's “Sonya Lee Mitchell''. I choose to delegate my excesses to her because of her expertise. I suggest you look her up.

[@HildaBennet]

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.

[@EvaHoffmann153]

Seeking wealth-building wisdom, I've spent months researching investment strategies, even investing $1000 in a course that didn't yield expected results. I'm eager to learn from seasoned investors earning over $250k annually. Guidance on navigating the investment landscape, identifying lucrative stocks, and mastering entry and exit timing would be invaluable in helping me achieve financial success.

[@henryallard245]

To succeed in trading, you need extensive experience and a clear strategy - something most traders lack. Without proper preparation, losses are inevitable. Key to success: identify buy/sell ratios, pinpoint market leaders, and diversify your portfolio to minimize risk. This balanced approach will help you navigate market fluctuations and maximize profits.

[@EvelynBrooks0]

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.

[@AshleySommerset808]

You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.

[@MarshalWagner457]

Who is your financial advisor or coach, do you mind hooking me up?

[@AshleySommerset808]

"Sonya Lee Mitchell", a CNBC-featured expert, provides effective strategies and entry/exit points, elevating my investment focus, search online.

[@lawrancemaileoi9378]

The fact that he’s majoring in finance, and he’s asking how to be wealthy is evident to how the school system pushes individuals to be great employees, instead of achieving financial freedom.

[@Keirosqeen]

There is nothing wrong with working for someone. Financial freedom can be achieved by working at 100k a year job if you are good with personal finance.

[@ryanmcauley1626]

They don’t really teach personal finance when you’re a finance major. There’s classes you can take specifically on personal finance, but there’s no major requirements for it because major isn’t typically catering towards that. Personally, you definitely get a good understand of how money works from a perspective, and have learned how loans work from physically scheduling them, to how powerful interest it, insight on how banks operate, but yeah we don’t really learn personal finance. It’s like every school jus expects you to learn on that on your own… after all a lot of them require people to take a lot of student loans out

[@lonevoyager6026]

@@Keirosqeen how though

[@a.jpurple6515]

I’d do what my bro did at 20, invest, be frugal frugal frugal, and got rid of Instagram off his phone. Gets rid of seeing our peers our age with high end watches and bags takes away a lot of pressure, especially if you’re a spender.

[@svndvs]

and then what happened?

[@4ndy123]

.... so he is now a millionaire m..

[@Chris-hz8lj]

@I. S How is it hard to believe that someone took up investing, deleted instagram and became frugal? All of those are easy to do and many people in our generation are doing it thankfully.

[@EadsB7002]

Excellent advice.. As someone nearly 40 (and doing quite well), i admit i do wish i'd followed similar advice years ago. Start young and start slowly/steadily and stick to it. The reason i feel like avoiding social media (or at least limiting it to a bare minimum) is ideal, is because it can affect your mental health as well as create "comparison-itis" ...

[@daithi154]

"get rid of instagram" me who makes money off running Instagram pages "hmmmm"

[@sorellly1517]

I’m 23 & I’m very determined to follow these steps 👍🏾 good luck to everyone out there that comes across this video

[@KristyLangChristopher]

Your videos is very inspiring and I love the work you put in towards your growth !! I am part of your viewers and I’ve been watching your videos lately. Some people now invest into crypto and get their retirement plans faster. With the right instructor and strategies you can figure out the right trading to engage in, I hope we continue to invest wisely.

[@KimRobert-]

Yes, it’s true, there’s been a lot of talks about investing lately, but I’m new and also curious how I can get started. Can anyone explain how to invest and how to get started?

[@LisaMandyfestus]

In my opinion, investing is not about getting rich but about gaining financial independence. I rely on strategies from a source that ensures my monthly dividend

[@KimRobert-]

How can I connect to your source for success tips!?

[@LisaMandyfestus]

Mrs Diane Davis

[@LisaMandyfestus]

She’s on Tel’ grams

[@BeckyJames-g7m]

Excellent video as always but here is my problem I have been making losses trying to make profit trading. I thought trading demo account is just like trading the real market... can anyone help me out or at least advise me on what to do

[@AbdulazizMuhammad-c3i]

@EricJose-hn6cfYou're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?

[@FredMeyer-no3ji]

Trading with Kate Herman trading analysis

[@diegomatias7076]

Any specific guide. I'm from New Orleans how do I go about this? I think I'm interested how can I get in touch with Mrs Kate Herman

[@FredMeyer-no3ji]

I will leave her info below this commend

[@FredMeyer-no3ji]

‪+1

[@lkj0822g]

The formula is fairly simple: 1. Get a job that you enjoy. Making lots of money doesn't mean anything if you are miserable. 2. Pay yourself first. 3. Live within your means. 4. Don't be bedazzled by shiny things. 5. Don't overspend on depreciating assets (cars, boats, etc) 6. Learn about compound interest. It is like fire, it can be of great benefit and it can destroy.

[@arthrodea]

The lesson this guy just learned is: don't work, go on unemployment and max it out, let your family pay for every thing else.... and you can find yourself sitting on 18 K!

[@thecurrentmoment]

Regarding a job that you enjoy: Once you get your savings/investments/budget system up and running there's really not a lot to do with it, maybe an hour a week to keep everything in track, and you will be doing that for a looong time. This means that if you have the attitude of grinding your way through it you are going to be not a very enjoyable person, to yourself or others. For such a long game it pays to have something you can keep, hence work and hobbies/interests that you enjoy. This helps you to enjoy the journey and stick with it, which is important for a 20-30 year goal. If you think you will hustle and grind for 30 years ... good luck. When I was building wealth on a low income, having work that I enjoyed, friends, social activities, and regular hobbies that I was learning gave me something to look forward to every week. I could sustain that indefinitely. Once I got my habits in place, there was really nothing to do but transfer money on payday (5min max) and I knew everything was taken care of and I needed something else to do with my time apart from manage money. When I decided to tighten the belt even more and make faster process I dropped a lot of those things and didn't sustain it. So sometimes going a bit slower but with something you can keep up and sustain is the better option. And that is the role of doing things you enjoy, including work.

[@girlychocolate6907]

@@thecurrentmoment Thanks you so much for your words, you don't know how much it means to me

[@jayr399]

The most mediocre boomer fukn advice I’ve seen yet. Wow imagine not buying boats or cars? No stories to tell when you grow old. Boomers just need to be buried

[@PopMami]

Best advice, no matter your situation, is to be intentional with your money. Know what your money goes to, why, and if it benefits you.

[@itrebor]

or the people that truly want the best for you*

[@NisYT]

Wow... this is perfect.

[@hallampreston853]

I was concerned so much about my money lol 😂 when I started forex trading with Mrs Evelyn Gray now look at myself enjoying my profits weekly.😌

[@eddiehamilton7784]

@@hallampreston853 how??? How???

[@SylviaJoe6]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.

[@janefry1]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience. If you're new to investing or don't have much time, it's best to get advice from an expert.

[@ArmraJames0]

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

[@AlexandraGray-t4]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@ArmraJames0]

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

[@MichaelAD222]

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.

[@kennnnnnnnnnnnnnnnnnn1242]

Dave, I’m 22 & $2000 away from being debt free, work full time just got a new job >$62,000 per year. I cash flow my school BSBA with a specialization in finance. I graduate June 2022. I want to take a year off after I finish my BS & then cash flow my MBA. I’m still working on my emergency fund. I live in a really expensive city and use your every dollar app. I have no kids but I have a dog he costs me about $200 a month but I love him.

[@senthilnathannathan4683]

I am 20.

[@senthilnathannathan4683]

I also have a dog,he costs me about $100 a month but I love him

[@MVT_Fishing]

I started listening to Dave maybe a year ago , I now started saving and getting rid of all my debts. 10 K in savings account now 💪🏻

[@Alistando3712]

That’s great. Now look into putting some of that money in a Roth IRA. Preferably with Fidelity Go. They manage your money through robo advice. Look it up and tell me what you think.

[@MVT_Fishing]

@@Alistando3712 yessir, thank you. That is on my list for sure. What do you think about Charles Schwab ?

[@SimonSaysyo]

In high school I had a credit card before my friends had a debit card. I was young and stupid and max them out. Paid the price when it came to paying all them off at the same time. Spent the next decade only spending what I had. 30 now with zero debt, overly blessed with my salary and still live as if I’m only making ends meet. Money is nice but doesn’t make you any happier. I wasn’t taught financial literacy but I’m grateful for people like Dave who educate and care about ones financial journey.

[@SimonSaysyo]

@@blackworldtraveler3711 that’s awesome man. I love to spend money, I’m by no means super frugal. I just don’t care about money. It’s comes and goes. I can be happy with just enough or millions.

[@piraat070]

160K is a blessing and in Europe thats upper class/ elite level. Most people get 30-40K a year.

[@Jake-gp4jf]

@@SimonSaysyo do you mind me asking your job?

[@SimonSaysyo]

@@Jake-gp4jf I own and operate a Budget franchise.

[@barbaragrace3027]

@@SimonSaysyo me

[@codymhurst]

I love that episode. Im 22 and made 144k this year. I live at home and am finishing my MBA degree debt-free. I also am trying to build wealth. I know if I start early I will be set. Knowledge is power.

[@yme3267]

Dufuq do you live and your job? 144k doing what?

[@codymhurst]

@@yme3267 Selling real estate :)

[@domesticviolencemastery3609]

@@codymhurst Can you help me,? I'm a new real estate agent and looking for a mentor. Thanks!

[@hashrosinking1608]

Try moving out of your parents house first and pay off your $140k debt little by little.

[@DtheogYT]

@@codymhursttryna mentor a brotha? I need to do something like real estate

[@claresse2145]

I am so glad I am seeing this now at 18 years old. I hope I can look back in 12 years' time and be proud I followed your advice.

[@LeeWalton6]

I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.

[@Karagoldberg7]

yeah investment is the key to sustaining your financial longevity but venturing into any legitimate Investment without a proper guidance of an expert can lead to a great loss too

[@EbelynkaFrattesi]

I agree. There's a lot of potential in the market. My friend introduced me to a financial advisor in 2023 Professional Chrissy Barymoer and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.

[@EbelynkaFrattesi]

Search him by His name "Chrissy Barymoer"

[@EbelynkaFrattesi]

On f.a.c.e.b.o.o.k

[@JoaóMiranda-k6b]

Even with my less knowledge in the stock market , I have been blessed with his strategies

[@untouchable360x]

Easy. Don't simp away your money like most guys did at his age.

[@untouchable360x]

@vincentrich - Banned But Not Forgotten Depreciating asset just like a car.

[@shwnderek1739]

D A I L Y W E B E A R N . C O M helped me finance my business

[@Big-Government-Is-The-Problem]

wait, so buying 100k worth of Belle Delphine's bath water wasnt a smart choice? dang =(

[@anthonylozano8035]

probably already too late

[@achavez78]

No simpin' permitted!!! Coach Gang

[@Bojulioo]

first time I watched Dave Ramsey was in July, fast forward to today I have 10 000 Ef, 12000 in money market accounts, got my first real job (without a degree) earning 70 000 a year, and I own a small side business. Ive lost many friends, I do not go out anymore, and I am as happy as I ever been. -23 year old, living in a 3rd world country, gonna be buying my first house in cash in 4 years

[@brianthornton8781]

If you don’t mind me asking, what job are you working without a degree making 70k because I am 25 working 2 jobs and need sustainable income. I just need direction and school doesn’t seem like a great option for me right now.

[@Bojulioo]

@@brianthornton8781 call center and I own a small business

[@OIPIO]

I started listening to Dave at 19, forever thankful!

[@snowjae9380]

Kudos to him for being so proactive and cheers to his mother!

[@censordat]

Like my older cousin use to tell me when I was in my early 20's, which motivated me to save up. "If, you don't have at least $10,000 in your bank account and $10,000 in your savings/stashed away...You're going to be in trouble because life is unpredictable and you need something to fall back on. Don't ever get comfortable, keep on grinding". Now, I have something nice saved up!

[@AI-lf9qb]

That's a lot of money not invested tho

[@senthilnathannathan4683]

Now I'm 20.I am doing business and become wealthy and rich.I will success my life in little age

[@tybays]

$10k 😆. Need a little more than that.

[@senthilnathannathan4683]

@@tybays You need loan?

[@censordat]

@@tybays Keyword AT LEAST, sound like you don't even have 10k now Lol

[@KS-cl8br]

Budget and write down every expense Invest 25% of income

[@geo865833]

18K. No wonder why some people just stay in unemployment.

[@giveme10feet]

Well it wasn't planned...and they owed him the money...but I don't recall Dave advising him what to do with the money.

[@blackworldtraveler3711]

They stay unemployed losing credibility and people step over them taking his place like in any other recession.

[@dylanlyons6]

@@giveme10feet He told him to hold onto it until after graduation, to ensure he has the means to get through college...kinda like a safety net.

[@giveme10feet]

@@dylanlyons6 Dave does talk abt investing in yourself sometimes. And his education is more important than any other investment right now.

[@hojaeyun6747]

18k is nothing tbh. I been working through pandemic and I'm 22...

[@brajrajsingh2885]

The concept of Secret Pathway To Triumph blew my mind. It’s like finding a cheat code for financial abundance.

[@Denniss20]

I’m 37 and always been an advocate of investing since it has paid off handsomely since I delved into it. At least my retirement doesn’t look as bleak as it did a year ago.

[@alexpavarde8698]

A friend of mine tried to talk me out of investing because of the dangers. How true is this Chandler?

[@Denniss20]

@@alexpavarde8698 I know that learning the ins and outs of investing is not for everyone. Personally, I trust Levi Clemans. You can reach him through his mail

[@Allambeecairns]

Clemans has absolutely changed the game I don’t know if this was meant to be, but coming across comments here, getting paid today for the month’s trading cycle 🙏🙏 Is the premium service here to stay permanently?

[@margarettasanjay2718]

@@Allambeecairns Please is he taking new investors I’m interested in starting to build my life

[@Allambeecairns]

@@margarettasanjay2718 sure, he is!

[@ryananderson5644]

What I've learned in 2 years of marriage,, regardless of your spouse if you get married. Create a road map for everything you both wanna do. In the road map create a way to either increase or platue your finances based on what you want to do. Don't plan without thinking and don't spend without a road map to help alleviate your debt. As an example going to an out of state mall, we plan to spend x amount of money, and we either setup a stand to pay for the trip or we cut something out of our lives to pay for it. Just wanted to share.

[@justinacase2623]

Ryan, you need to put money back for when your wife comes home with divorce papers.

[@kingfam228]

I love it , I’m not there yet but the best part is im debt free ... started college at 24 made me look stupid to family & friends but turnt out to be the best because I entered college knowledgeable, Im paying my self thru college , payment plans each semester was the BEST IDEA that could happen for college yet not to many people use it.

[@Themrleonkennedy1]

Don’t have kids until you are financially ready, save and invest some money, stay away from debt as much as possible, live as fugal as possible, find someone who has the same goals and values. Smart guy to be doing this now! I forgot to add that it’s okay to splurge/ live a little bit. If you don’t do that you will probably fail. Balance is key.

[@EadsB7002]

Preach!!! Proud to say i have done all of the above...a few missteps here and there, but this exact advice is absolutely how it is done!

[@Themrleonkennedy1]

@@EadsB7002 no one is perfect but hey good for you!! You are doing better than most people in America 🇺🇸

[@Themrleonkennedy1]

Me as well lol

[@TheBanjoShowOfficial]

Telling people to not have kids is not good advice. Telling people to abstain from having children until they are financially ready and stable enough to support a child, on the other hand, is good advice. Don't tell people how to live their lives at that level. That's a massive part of life that most people want to take part in.

[@Themrleonkennedy1]

@@TheBanjoShowOfficial you are right.

[@brentolive8919]

I’m 22 too and I just discovered Dave Ramsey and I had the same exact question as a current accounting student

[@christinao9407]

Invest 250 or at least 100 until you can do more into mutual funds with low expense ratio like vti , or fxiax ... you can buy these funds in your roth ira ... learn how to value stocks and buy great undervalued stocks when market pull back ... watch our rich jouney they retired at 39

[@christinao9407]

Watch youtube videos on FIRE movement and read the comment sections , if you have a job that matches your contributions at least put enough to get the match

[@senthilnathannathan4683]

You need any help,i will help you definitely

[@senthilnathannathan4683]

I am 20.i am doing business

[@definitelynotlebronjames443]

I’m 19 pursuing my masters in finance and I want to know how to get wealthy. I’m knowledgeable but I love to listen to the advice of others as well and gain as much perspective and knowledge as I can.

[@JoshFernando-x1c]

I really appreciate the dedication in each video you post. Long term investors know that the market and economy will recover eventually, and investors should be positioned for such a rebound. I gained $180k from bitcoin in 2021 before the market crash and now I'm buying again, adding more at a time. Having a good financial advisor like Michelle Warner, it will add to your success in the crypto market.

[@PhillipAndrew-e4v]

Michelle Warner strategy has normalised winning trades for me also and it's a huge milestone for me looking back to how it all started

[@JessicaLora-n4k]

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

[@GustiFlora]

I'm new at this, please how can I reach her?

[@mPhillip-r5c]

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

[@JoshFernando-x1c]

she's mostly on Telegrams, using the user name.

[@paulgabel8261]

''There's no shortcut to a place worth going''.

[@bandolierboy1908]

That gold

[@chatinmorrison9880]

my mom has blessed me my entire life i am now 18 years old and a bit lost but i know i want to retire her and make enough money to support my close family

[@JeanDagobert]

I love the mindset already most 22 year olds are not asking that question

[@jeffreywhitaker5154]

EXAAAAACTLY!!

[@LizaLavolta]

I surely wasn't. He is wise

[@itrebor]

21 here 🙃

[@the1hylander568]

I'm 22, debt free, biochemist, living in Ireland... what should I do??

[@blackworldtraveler3711]

@Joseph Allen Yeah part of the rat race is eagerly waiting for Friday every Monday morning.

[@justamaninTN]

Read “The Millionaire Next Door” and the “Little Book of Common Sense Investing” and you’re good to go.

[@IvorThomson]

Hello, I wish to start investing but I don't know where to begin. Any advice or contact for help?

[@EdwardNolan-l1v]

It's wise to seek professional guidance when building a strong financial portfolio, due to its complexity.

[@charlessophia]

Talking to an expert like Nancy Hall to reshape your portfolio is a very smart move

[@GabrielSamson-si2ho]

Certainly! I diversified my $40,000 portfolio across different markets.

[@GabrielSamson-si2ho]

I made a net profit of around $109k by investing in high dividend yield stocks, ETFs, and equity.

[@andresmaria]

The reality is that, you cannot do it without a tried and true person like Nancy.

[@dulcehahn12]

I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes.

[@AliceAnderson-in1et]

I'm new to cryptocurrency and don't understand how it really works. how Can someone know the right approach to investing and making good profits from cryptocurrency investments?

[@PearlTremblay]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@dulcehahn12]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Myself, I’m guided by Alex Gomez. A widely known crypto consultant

[@AliceAnderson-in1et]

I'm surprised that this name is being mentioned here, I stumbled upon one of his clients testimonies on CNBC news last week...

[@dulcehahn12]

I started working with Alex Gomez back in June, and my financial goals have never been clearer. It’s like having a strategic partner for my money with a solid track record.

[@MarvinRWard]

You are right. It's important to build a foundation when building wealth

[@itzashick]

Secret Pathway To Triumph blew my mind. I’ve shared them with friends, and they’re all amazed at the shifts in their mindset.

[@harenalang5891]

Wealthy people keep their status by making productive moves like buying assets and investing passively but personally I recommend you do a background check up on your source before you invest, Ensure you are investing through a solid foundation source to avoid blowing your money away

[@terrychristiana6160]

Making money is a lot easier through investment because investing often leads to favorable outcomes,the only reason you should save money is to invest wisely

[@solemlyn149]

@Kevin Kenneth i have lost investing with numerous rigid traders on here,I’m still trading and learning to improve my technique but in the end i need to establish a more reliable source to passive income through

[@laisonherberts6107]

@@solemlyn149 through my years of trading and research the most valuable insight was getting in touch with pro trader Wilson and getting to earn massively through her,she is a licensed broker,contact her i trust she’ll help you earn

[@laisonherberts6107]

Ellenwilson020@gmailcom,Tele gram Ellenwilson020

[@dayecastro874]

@@laisonherberts6107 this is a refreshing coincidence,I invest and earn through Wilson as well, usually I don’t leave comments but seeing you speak good of her on here has increased my trust for her

[@jordankroeger6581]

I’m 22 and going through the exact same thoughts right now. I’m Canadian but still enjoy the content. So happy someone asked this question.

[@justinacase2623]

Eh?

[@envii5122]

@@justinacase2623 sorry?

[@justinacase2623]

@@cryptonewton2400 scammer

[@benjaminsanders-oz5nu]

To get wealthy quick and fast that no one is telling you is gonna suck and its hard when you start. Its called starting your own business.

[@JoseSanchez-ie3ip]

spot on

[@itsoktonotbeok8983]

Wealth is a mindset, being secure is another thing. See so many people searching for quick riches. Focus on changing your lifestyle. Make sure you have own home and pay off as quickly as possible to make sure your kids have something to build on. Be striving for more but don't over reach and risk your own security

[@funnyfall6911]

I am also debt free❤️❤️❤️.thanks dad and mom.

[@Lauren-ib1wo]

You can reach out to Charlotte to get started 👇

[@Lauren-ib1wo]

[phone]

[@Takar100]

Great questions from a 22 year old. Already on the right track. Just need to keep it in their thoughts as they go through from job to job, place to place, always trying to build wealth.

[@therealcoffeenation4701]

Muscle is built by pain but not by comfort made me smile

[@wigglybiscuit7940]

I have the mindset. Im 20 right now and after countless videos on how to be successful I think what I need is someone to really learn off of

[@msf-pxump_4754]

I’m 15 watching this guy learning

[@ALXSSA]

Hearing about that millionaire working at Dave's show keeps me motivated to stay on this plan. It has been working so far and I won't sway off. 😊

[@blackworldtraveler3711]

Many millionaires where I worked including myself and a few neighbors. Most people have no clue that they are because they just live care free without flaunting it. Straight out of the book "The Millionaire Next Door." Actually the first millionaire I've ever met when on my own was a high school janitor I worked with while going to aerospace school.

[@exdividend7168]

1 regret I have in my life is not asking myself these type of questions on how to become wealthy in my teens . I’ve learned everything in my own through many mistakes trial and errors . They say money is not everything or at all important, yet we find ourselves working for it . In my opinion money gives you more time to do the things you really want to do , you don’t need millions to live a peaceful and financial free life , just need to manage your money well enough to make it work for you . In my opinion 👍🏻 thanks Dave for your videos ❤️

[@tysonkrehnke2835]

Think of it this way. $18,400 a year at 12%, $20,500 a year at 10%, or $23,500 at 8% each for 17 years is a million dollars. That in itself is a livable wage of $60000 a year with modest investing further. 23 years old to age 40 is 17 years. That's the key for any college grad.

[@Andy-lr8qp]

I put 23500 at 8% for 17 years it say you will have 87k at the end in an investment calculator?

[@BlindedByLogic]

Your numbers are really off... but investing and saving is no doubt the best way to build wealth :)

[@tysonkrehnke2835]

@@Andy-lr8qp no no. Adding $23500 additional dollars each year. At an 8% interest rate for 17 years. And I got that wrong It would be $18000 at 12%, $22000 at 10% or $27,000 at 8%

[@Andy-lr8qp]

@@tysonkrehnke2835 oh I see now thank you

[@RJRussoVids]

Like Dave says, your income is the best tool that you have for building wealth. Get off unemployment and get out there into the workforce. Not only will the pay be better but you'll also build experience and grow your network. Neither of those things happen sitting at home collecting a check. Also, plan to move out of the house shortly after graduation. There's no motivator and growth catalyst like needing to cover your own rent and utilities. I'd rather have a bit less money in the bank and already be out on my own (in fact that's what I did in my early 20s) than have a bigger bank account balance while acting like I'm still a kid living under my mom's roof. In short, go out there and get it!

[@jakenyajones7268]

Yes. This is so true. I am on my own for about a year now and I think about money different because I have to maintain on my own.

[@deconstructingnarcissism3062]

The pay sucks balls. Why do you think everyone gets on unemployment? Because it literally pays better than all these low wage, crap jobs for doing absolutely nothing!!

[@ecoh9947]

I’m 19 years old. These videos are extremely useful.

[@georgerubert7487]

Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time.

[@georgetalor7702]

Yeah! I agree with you sir.

[@georgetalor7702]

If you want to be successful have the mindset of the rich, spend less and invest More. Don't give up your dreams.

[@rihannamary7493]

That's very correct sir!! And that is why most of them end up losing they m o n e y to s c a m m e r s.

[@oliviaemma1688]

People come here with the aim of chasing money more than knowledge and that will damage your progress, trust me. Chase knowledge first and I promise! The money will follow you just like it's following some of us now.

[@oliviaemma1688]

Don't be in a haste to invest. Know what and who you are investing to and be sure that the person will deliver before investing.

[@chloenicklas7112]

I’m at the end of my freshman college year and I started watching Dave about a week ago, I hope I watch and continue to use his values through when I graduate I’m interested to see where I get.

[@ElisaLaurent-yu6tp]

The crypto market is the best tool for long-term wealth creation. Still, many people can’t take advantage of it because they are trying to make quick money from the market.

[@EdwardMcCullen-hu5wb]

I agree, just because the market presents opportunities doesn't mean we should rush in headfirst. For this reason, we should look for appropriate market analysis or guidance or, alternatively, seek advice from certified market strategists.

[@ElisaLaurent-yu6tp]

You're right mate! I’ve been using a fin-market expert for two years now and I own a 7figure diversified portfolio from investing in the market.

[@NicoleAmmond-iw5ds]

Glad to have stumbled on this comment, Please who is the consultant that assists you?.

[@ElisaLaurent-yu6tp]

CHRISTOPHER SCOTT TRADING

[@ElisaLaurent-yu6tp]

Instagram***

[@JenniferMultifamily]

The younger someone can grab hold of financial concepts and apply them the better.

[@WarEagle78]

We are in our 60s and giving our child a paid-for bachelor's degree was a priority from the beginning. He has a great job and offered to pay us back, but we asked him to pay it forward to his future children instead. We may not have generational wealth (yet) but to me the next brst thing is giving the ability to build your own wealth. (He's a software engineer, btw.)

[@bjkearns2]

Avoid consumer debt. Max out your Roth IRA with low cost broad based index funds. Max out your 401K with low cost broad based index funds. Put money into a brokerage account with low cost broad based index funds. Paying money to an advisor is not needed.

[@Bojulioo]

How do i do this from foreign countries

[@shambhugupta227]

Secret Pathway To Triumph is so unique. I can’t believe I hadn’t heard about it sooner. It’s amazing how life-changing this can be.

[@jeanp1323]

Start a business, invest in stocks, in réal estate. Sell the business and enjoy the money.

[@kevinkidneyy]

Did you do this ?

[@alexjones28]

@@kevinkidneyy no he didn't. He's like most us. Giving great info but not executing for ourselves.

[@Kaiyats]

@@alexjones28 I’ve tried this it went a little like this, start a business the business fails invest in stocks the stocks go down and lose all your money Haven’t got enough money for real estate

[@FR-uf1kg]

@@Kaiyats Any advice from your experience??

[@Kaiyats]

@@FR-uf1kg well I’m only 18 so hardly experienced

[@AnnaM4117]

I’m not in Dave Ramsey’s shoes yet but I’m young and on my way. The road to wealth is consistency in your habits. What habits? Depends on which multi-millionaire you’re studying. Kiyosaki vs Ramsey. Totally different methods. Both work.

[@zahkyNZ]

I’m 15 and watching this I think I’m on the right track

[@Lauren-ib1wo]

For assistance 👇

[@Lauren-ib1wo]

[phone]

[@TheRealSandman]

I started investing and taking personal finance seriously at 21, my god how I wish I started sooner, I can't ever look back after going into this new world & mindset

[@tjmcavoy-jensen871]

I’m 21 and I am trying to be a 911 dispatcher which only requires a high school diploma, I wish I would’ve known this earlier, I have zero debt as well and I’m glad I found Dave before I had the chance to get into a disaster!

[@tjmcavoy-jensen871]

@@Ale-rx7bz thanks bro, I was stupid and decided to be an exercise major and am finishing that up, I was thinking about physical therapist school but after I found Dave I don’t want to anymore because I’d have to take out like 90K student loans. So I’m looking if there’s decent jobs I could get without a degree

[@tjmcavoy-jensen871]

@@Ale-rx7bz You have to be in a special PT assistant program to do it, I don't think I would be a good personal trainer and I think you have to get licensed for that also

[@tjmcavoy-jensen871]

@@Ale-rx7bz I will bro thank you

[@justinacase2623]

TJ, very doable! Keep in mind some places pay very well, while others it's ten bucks an hour. Not sure of your age, but go to your local 911 dispatch and apply as a trainee. If they say no, go to the next one nearest you. Willingness and ambition win out in any job.

[@tjmcavoy-jensen871]

@@justinacase2623 Yeah bro! I didn't get hired to the one I applied to! I was disappointed but after I graduate I can apply again and try to make myself more likely to be hired. I like medical stuff so I might try to become an associate degree Registered nurse also after i graduate

[@michaelh5055]

I wish I could go back to when I was a late teen and early twenties. I wasted so much freaking money on stupid stuff. I was taught that you absolutely need credit. Open cards, get loans, blah blah blah. Well that disaster led to bankruptcy at 25. I can only imagine if I just saved that money.

[@kunalc248]

an expensive lesson my friend. we all go through some nonsense at some point. The good part is that you learned from it!

[@josephscott1870]

The bad news is you had a bankruptcy. The good news is you had a bankruptcy that gave you a lot of wisdom so you never make the same mistake and can pass on your knowledge to other people.

[@cheeveka3]

I’m glad that started when I was in my mid twenties best decision I ever made 😁

[@swisher5weet]

I spent all my money on drugs and partying back then. Wish I could remember but I’m sure it was fun. 🤣

[@theflightsimulationexperie6894]

I know what you mean. We all go through something stupid and make dumb decisions at a young age. I was told the same. You need credit blah blah. I received 41k when I was 18 because my father died when I was young and it was from social security. I blew through that money in 3 months and boy did I have a lot of “friends.” If I would have invested that money in a broad market index fund and forgotten about it until now, that money would be worth around 200k and that’s without contributing toward the investment fund. Hard lesson to learn for sure. But eventually I got intentional like Chris and Ramsey talk about. My wife have budgeted every red cent for a long time and have lived almost like we are poor. We have been saving for 10 years with a 600k net worth now. We will be millionaires hopefully by 42 and retire by 45 all because we made the decision to be intentional and live well below our means. You and everyone else can do the same.

[@michaelhughes3772]

Thanks Dave I turn 22 in 6 months!! Im.going. be ahead now

[@fionawats1072]

*I didn't become financially independent until I was in my late 40's, and I'm still in my 40's. In addition to having purchased my second home and earning money on a monthly basis through passive income, I've also achieved three out of five goals. I just hope this inspires someone to realize that it doesn't matter if you don't have any of these things yet, you can start today no matter your age. Change your future by investing! I made a rather big decision by investing in the financial market.*

[@boblangworthy]

Why doesn't Dave ever tell people to do the two things that he did, the two things that have created more wealth in this country than any other path: start a business and/or invest in real estate?

[@randyparlor5953]

He does constantly. Via his program, books, EntreLeadership, and Business Boutique.

[@edwardpowley]

Finally the video I have been waiting for. I am a college freshman but I am on track to graduate debt free and want to know the steps from here

[@israelruiz8706]

You can read his book. I read it when I graduated college and I will admit it is mostly for people who are already in q financial mess but I still got some good pointers out of it.

[@imveryhungry112]

Start investing in good mutual funds now or index funds and dont tinker with the investments. Only look at them to add more money.

[@Noremac2310]

@@israelruiz8706 @edward powley yeah its mostly for people who are already in debt but the 7 baby steps are actually really good simple rules to follow if you need a set of direct instructions. i would just look at his steps and go from there wherever you are at. I personally started at step 3 because I've never had debt. (I'm also a college student)

[@israelruiz8706]

@@Noremac2310 im at two because I graduated with 32k of student loans but I just need 13k to finish off

[@anthonylaney1062]

Hey Edward, if you have Facebook, you should join the Dave Ramsey baby steppers page. Tons of people that are on all the different steps that offer advice and stuff to each other

[@strawberryshortgirl2637]

I work $10 intern job and we didn’t get laid off since it was considered essential work, so I made that much an hour and wish I made $18k not working

[@SisyphusJP]

Sorry, politicians don’t work and don’t live lives like you or I so giving more money for people who don’t work versus who do makes sense to them.

[@lucilaolson5163]

When we went to a financial planner in the beginning of my career (debt free paid for by Asian parents 7kids) he told us to stop putting money for our daughter’s 529 (our retirement savings is on track) we did not listen and kept putting away money so was debt free and still thanks us to this day.

[@youngjesus5992]

1yr ago I had $18.74k invested. Now I have $40.3k invested. I just saw this and I’m so god damn amazed. 2 years ago I had 0 and was telling my gf “in 1yr ima have anywhere from 11-13k invested” and even then it seemed unreal to even think that. 2yrs later I got nearly 4x that amount invested. That’s crazy, man. And I’m 22 rn so I started investing when I was 20

[@lipglossed]

Keep going, everyone! I had debt and basically nothing in my bank account when I started my financial improvement journey and now about to start Baby Step 4. Commitment does pay off!

[@tampabayrodeo2474]

As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research

[@RobertBrown..]

Thank you for the lead. I looked her up and sent her an email. I hope she responds to me soon.

[@anashasanain8676]

Lmao i can tell the bots by reading the first line

[@chasegetswork]

Hey Dave, I’m from texas. I took your financial class in highschool two years ago. I’m 19 years old, I work for the biggest loan company in America. I’m getting my degree in business administration. I just wanted to say thank you for the information.

[@cylibles1645]

might i ask how did you get into your career? how much does it pay what’s ur plan investing etc?

[@matthewrozumialski8196]

I’m also 22. Homeowner and almost out of student loan debt. Very very close. I don’t know how to invest, but I want to get into that and what to better my future.