I Make $100,000 and Don't Know Where to Start with Budgeting

Рет қаралды 176,491

Күн бұрын

Пікірлер: 259

@InvestToLive 4 жыл бұрын

It takes guts and a whole lot of self awareness to admit you "don't know" how and where to start. Well done to this caller.

@Sombra_Azul_ 4 жыл бұрын

The beginner's mind...

@misssicily100 4 жыл бұрын

and that's a true man

@armandodelarosa6372 3 жыл бұрын

@@misssicily100 a+as TSA as we÷?e÷3?a334

@ryanthepianoman27 2 жыл бұрын

You have to be at least 40 to make money

@alvarocasillas1292 Жыл бұрын

I’m at the same position just got this job making a 100 k a year n honestly idk what to do wit this opportunity

@honeybrowne24 4 жыл бұрын

To this caller...we were you in 2018! I decided I needed a plan and brought my hubby on board. Here we are ...tomorrow is NYE 2020...and after 3 layoffs within that time and 3 job changes TOMORROW NIGHT WE ARE DEBT FREEEEEEEE!!!!! Follow the baby steps and stick to it! I promise you...it is WORTH THE HUSTLE AND CHANGE in your life! We are 46 and 47. I pray you walk through this - you'll be so relieved you did it! Will be praying for you William.

@go5582 4 жыл бұрын

Hi honey browne. Your paragraph is well written. It makes me happy 😁😁.good job.

@seadragon1456 4 жыл бұрын

OH MY GOSH, CONGRATS!!! Man, I cant wait until I get to say that in May 2022!!

@ninjablack4347 4 жыл бұрын

These are so much better than the "Dave, I'm in trouble. I have ten million in assets, make 700k profit, and have five million in retirement. Should I pay off my $100 credit card?"

@upgradednigga 4 жыл бұрын

@@kelvinoleary6995 lol scamming on daves video

@chrisludwig9783 4 жыл бұрын

Yes more relatable

@kimberlyturner820 4 жыл бұрын

😁

@TheSterlingArcher16 4 жыл бұрын

I swear listening to this show there’s an inverse relationship between intelligence and income...

@dioscine5309 2 жыл бұрын

😂😂

@That-Wanderer 4 жыл бұрын

This guy has a good attitude and listens instead of interrupting

@InvestToLive 4 жыл бұрын

agree

@greysaber4000 4 жыл бұрын

I love new people. It reminds me of where I was and I know of where they can go!

@DearDebt 4 жыл бұрын

So important to remember to teach the basics to our kids. I never had anyone show me how to budget until I found this community online! I made a lot of avoidable mistakes just because I was uneducated

@TheComp_Troller 4 жыл бұрын

I wish I had found Dave in my 20s! You all who are at that age now, please follow his steps, you WILL be financially secure and successful!

@edolina2000 4 жыл бұрын

Ya I wish I found him earlier

@jaybo619 4 жыл бұрын

I underwrite mortgage loans for a living and a part of the job is reviewing people’s assets. Some people just spend ridiculous amounts of money on food, coffee, food delivery services. It’s just so crazy how much people just spend on junk.

@bremartin590 4 жыл бұрын

I was one of those ppl not that long ago lol Quarantine forced me to see how much I was spending on unnecessary things 🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️

@jaybo619 4 жыл бұрын

@@bremartin590 yeah sometimes we don’t realize how much we are spending.

@rudysalas9138 4 жыл бұрын

Reason why Dave mentions a lot beans and rice meaning you shouldnt look at a restaurant while in debt and trying to get out. Also, when budgeting, your grocery budget is never accurate. $500 in groceries this month budgeted, spends nearly $1000.

@PInk77W1 4 жыл бұрын

I work with a lady who spends on junk food 3x a day. Then she says how her husband spends too much. Makes me want to cry.

@lolwtnick4362 Жыл бұрын

it's not junk, it's convenience. pushing responsibilities to others. people dont NEED a cellphone, food delivery, any car electronics, video games etc. but it's all shiny objects syndrome. in college i had none of that and made it work.

@mahdman7130 4 жыл бұрын

Glad im 23 and discovered Daves page honestly it is a blessing to get this kind of information. God bless you Dave!!

@dpbass8898 Жыл бұрын

I needed to hear this. I’ve budgeted for many years and have done well in my career. Now for the past 2 years or so I’ve been spending unintentionally. I still pay my bills on time and still contribute to my retirement account every paycheck but there are times where I’m spending hundreds of dollars like nothing and recently the hundreds have turned to thousands. I don’t mind spending it but I want to atleast plan to spend it. I just need to take back control by starting to budget again…

@starticegalmore8602 4 жыл бұрын

I love Dave!! I’ve been back and forth with the baby steps for many years! But as of 2020 I got real with myself abs goals and increased my income, paid off 3/5 debts, and have my emergency fund. 🙌🏽🙌🏽😭😭😭 Working on tackling my car payments now. I’ve cut out sooo my much and finally feel like i can breathe! Cannot wait to start investing and working on retirement. Thank you Dave!! 🙏🏽

@reenakartau6956 4 жыл бұрын

“You sell so much stuff the kids think they are next”😂😂😂 Dave cracks me up

@rashadthewealthcoach 4 жыл бұрын

Imagine if every 17-year-old in the country were equipped with the knowledge to stay out of debt and to save 20-40% of every dime you ever earn.

@robedmund9948 4 жыл бұрын

Congress would go the way of the dinosaur. LET's DO IT!!

@costco_pizza 4 жыл бұрын

@@ninjablack4347 Well the problem is that most teenagers would balk at you if you told them to delay pleasure and save. They simply won’t listen. You should consider it like winning the lottery if you have a teenager who will listen and follow these principles. The reason so many people are broke is simply because they think they know better than those who have actually had experience, and they end up paying a price for thinking that way.

@AMANNAMEDEMELIE 4 жыл бұрын

@@kelvinoleary6995 you’re definitely not Dave 😂🤦🏽‍♂️

@28goldenboy 4 жыл бұрын

Yes I can imagine it. And here's what would happen, the economy and it's future outlook would look stagnant and growth would be slow. The main reason our economy has always been strong, (including recessions since people still work they just have to find odd jobs) is due to our consumerism and over spending. The moment people start being responsible with money, the less money would circulate and cause businesses to cut back due to less demand. I'm not advocating for financial irresponsibility but unfortunately that's the reason why the economic engine still runs. The responsible ones have to take advantage of the actions of the mindless spenders.

@robedmund9948 4 жыл бұрын

@@costco_pizza Don't underestimate all teenagers. Yes, many woul back but a significant number would not. Having seen the mistakes of their parents, many would welcome some advice on hires to avoid the same pitfalls. Early education is key, the earlier the better. and parents after pivotal, but they can't teach what they don't know.

@Black_Jesus3005 4 жыл бұрын

Who’s entering 2021 with gazelle intensity!!💪🏽

@115zombiees 4 жыл бұрын

I just found Dave about a month ago and loving the content, im 22 I am literally in this exact situation as to what to do with budgeting, very perfect timing

@kelvinoleary6995 4 жыл бұрын

Thanks for commenting Write my manager on Watsapp or through text message regarding to make millions in BTC +1....( 6....7....8) ....7...2....9....7....9....4....6 Do well to let her know I referred you to her,her strategies are top NOTCH☑️☑️

@InvestToLive 4 жыл бұрын

Good for you Joe!

@manscreations100 4 жыл бұрын

YES! Me too. Found dave 2 years ago at 22 and I'm glad I did

@Michael-vf2mw 4 жыл бұрын

@@kelvinoleary6995 haha, hacked?

@PNW_Adventures1 Жыл бұрын

33. Same.

@KwavesProductions 4 жыл бұрын

"Skinny and rich" -- Self discipline of the person in the mirror.

@deidrabaisden6911 4 жыл бұрын

I just got off my the

@RenzoRosales_FL 4 жыл бұрын

"sell so much the kids think they are next" lol

@silasdietrich7464 4 жыл бұрын

8:37 "Sell so much stuff that the kids think their next" 🤣🤣🤣

@Rashaadthegr8 4 жыл бұрын

I wish dave ramsey asked people besides necessities can u name off the transactions you spent your money on this month. I bet you would have alot more eureka moments.

@Ubepati 4 жыл бұрын

Most people dont know the answer to that, that's why this man is calling!! They just need to print their bank statement so that they can get their answers!!

@Rashaadthegr8 4 жыл бұрын

@@Ubepati exactly but the public embarrassment will be a instantaneous and painful wake up call thru need. Read your transactions for millions to hear.

@andicantu6490 4 жыл бұрын

I bet he’s paying huge child support and alimony. He recently bought a house which might mean he’s moved in with a girlfriend who now wants to spend a ton decorating the new house. He sounds utterly defeated.

@InvestToLive 4 жыл бұрын

I'd love to see that as well!

@BrendanEvan 4 жыл бұрын

I always start with most essential spending and work towards least essential.

@kelvinoleary6995 4 жыл бұрын

@aprilforbes1441 4 жыл бұрын

The response above is from a spam account pretending to be Dave Ramsey's account!!! I reported it

@Sovnarkom 4 жыл бұрын

@@kelvinoleary6995 Dave got broke listening to his own advice.

@BboyDaquack 4 жыл бұрын

My budget is in an excel sheet for every expenditure. I got two categories, need or greed. For 2020. Turns out about half my expenses were nice to have "greeds"

@BrendanEvan 4 жыл бұрын

@@BboyDaquack hey didn’t you play college football a few years ago😂

@dayvidsdays5644 4 жыл бұрын

Budgeting requires a lot of sacrifices. The first step should be analyzing a person's spending habits and setting some budgets for each spending category. I'll admit budgeting isn't fun but it's necessary.

@ajh.4131 4 жыл бұрын

What if I find budgeting fun? 🤔😂

@dayvidsdays5644 4 жыл бұрын

@@ajh.4131 Haha. More power to you. That's a good thing. I'm happy that they make apps that make budgeting easier. I know some people even manually track all their expenses in excel

@j.3854 4 жыл бұрын

This x1000. I’ve gone from 50k NW in 2015 to 500k net worth now. All from sacrifice. I don’t invest too much cause scared and too risk averse. So that 450k gain was maybe 30k interest/bonds/stocks. It’s 95% from SACRIFICE. Not wasting money like all the idiots of America do. The Instagram wannabes.

@dayvidsdays5644 4 жыл бұрын

@@j.3854 That's impressive! Saving is just as important as investing. It's kinda two sides of the same coin. You've done well

@robedmund9948 4 жыл бұрын

The key to ALL relationships is a willingness to sacrifice be it parenting relationships, spousal relationships, monetary relationships, etc. The BEST relationships ALL involve sacrifice. Believing this is a fundamental difference between a Conservative and a Liberal, between the successful and the dependent, between the happy and the angry.

@DrJaredNelson 4 жыл бұрын

You're already one step ahead. You have a great income.

@InvestToLive 4 жыл бұрын

Absolutely!

@Je.rone_ 4 жыл бұрын

Well if you don't know where to start you came to the right place😀

@kelvinoleary6995 4 жыл бұрын

@cosmiccoffee8497 4 жыл бұрын

'The Richest Man in Babylon' by George S. Clason is a good read for beginner to finance types who don't know where to start. Just my recommendation.

@PInk77W1 4 жыл бұрын

What’s it about ? Can u elaborate a little more ? Thx

@cosmiccoffee8497 4 жыл бұрын

@@PInk77W1 It's a collection of short stories set in ancient Babylon that revolve around basic financial management and investing. It's a classic and extremely popular in the business world. Should be fairly easy to find a PDF online so it shouldn't cost you anything to read unless you want to pick up a hard copy.

@PInk77W1 4 жыл бұрын

@@cosmiccoffee8497 thx. Sounds interesting

@MiBuKy0ShiRo1 4 жыл бұрын

I wish I could buy the hardcover book of 'The Total Money Makeover' in Malaysia. But it is so expensive that it would take 10% of my monthly income just to get the book. Reading the ebook and watching the show almost everyday now to gives me more motivation and preparation in the future because i'm in baby step 2. Still long way to go. But 1 day I will purchase that book just to show my gratitude for helping me clearing up the mess. Thank you Dave Ramsey.

@blazinjaye45 4 жыл бұрын

I’m 19 and i been listening to dave for awhile

@AussieZeKieL 4 жыл бұрын

Dave’s plan is for people who already started life and made wrong choices. His baby steps help get them out of trouble. You’re at the beginning. You can go straight to investing. Do the math and you’ll see that you can retire early.

@1.5Koreans0.5American 4 жыл бұрын

Gonna make at least $120k in 2021 💪

@IamtheGL 4 жыл бұрын

@Xspeedspec 4 жыл бұрын

Gonna take home $100k in 2021

@j.3854 4 жыл бұрын

Gonna save 100k in 2021. Actually 120k+ as that’s what I saved this year so far.

@GodSaveTheClothes 4 жыл бұрын

Claim it girl! 🙌 Between my husband and I’ll we’ll finally be at 100k in 2021! It’s been a grind!

@bitkamp9215 4 жыл бұрын

What happen to the Million Dollar Challenge?

@mohitshirke9625 2 жыл бұрын

You sell so much stuff that the kids think they are next...🤣🤣🤣 that had me

@MichaelSamulak 4 жыл бұрын

The greatest help that I received from Dave Ramsey was the matter of the “clear path”. He is absolutely right also that once you have that path in front of you- it takes the man in the mirror to decide and actually practically walk that path - step by step! My wife and I only have student loans a left...after 2.5 years: $65,000 already paid off. Five kids. Lower income - self-employed. Pandemic: Our family is proof that it can be done!!

@j.3854 4 жыл бұрын

People just won’t wait for fulfillment. I’ve gone from 50k NW in 2015 to 500k net worth now. All from sacrifice. I don’t invest too much cause scared and too risk averse. So that 450k gain was maybe 30k interest/bonds/stocks. It’s 95% from SACRIFICE. Not wasting money like all the idiots of America do. The Instagram wannabes.

@kelvinoleary6995 4 жыл бұрын

@chickengeniussingapore35 4 жыл бұрын

Thanks for your comment. + 1 (4 8 4) 8 5 7 - 2 6 4 7

@PNW_Adventures1 Жыл бұрын

Oh my goodness. This video is just what I am looking for.

@Takar100 4 жыл бұрын

For those who don't know, one of the easiest way to start figuring out your budget is see what you're spending your money on. Download your bank activity (all your activity - bank, credit cards if you have them, etc.) and categorize your spending. Then figure out what you actually need (rent/mortgage, utilities, reasonable food). Try to cut out the extra. When you do this too, you can take a look at your expenses to see if you can lower them. Call Sirius, call ATT, look up how to switch your electricity provider or insurance provider. Being frugal isn't just not going out to eat. Some of this stuff takes work! Don't let people just take your money.

@kelvinoleary6995 4 жыл бұрын

@chrismccaffrey8256 3 жыл бұрын

I think when he talks about rice and beans, it is also lowering your extravagant at home foods too. Not literally just rice and beans, but not making silly purchases

@Thepippinator2 4 жыл бұрын

There’s power in being vulnerable.

@CaseyBurnsInvesting 4 жыл бұрын

If you’re not banking a ton of money with a 6 figure income there’s a significant sum of dollars not being accounted for or cuts that need to be made.

@TY-vj3ou 3 жыл бұрын

She will guide you on your trading or invest with her ...(...3...1...0...)...5...1...3...4...8...4...1..(.. +.. 1..) Do well to tell her i referred you. She's my expert...

@ajh.4131 4 жыл бұрын

I can’t even imagine making that much and having nothing to show for it 😕

@Ubepati 4 жыл бұрын

Its so easy when you dont budget and you dont print out your bank statements every month!!

@MiamiPush2theLimit 4 жыл бұрын

It’s very easy to do.

@meymay11 4 жыл бұрын

People think that it’s more than it is.

@KT-yj6zc 4 жыл бұрын

Habits are habits if you don’t budget with $40k a year you won’t budget with $100k. Money doesn’t change your core behaviors.

@ajh.4131 4 жыл бұрын

@@KT-yj6zc facts!!

@EricFinanceTips 4 жыл бұрын

Budgeting for basic necessities always comes first. Then anything extra should be set aside for debts payment. If there’s no debt, then start investing!

@worksaveinvestwithjames2177 3 жыл бұрын

What about paying yourself first in the form of saving and investing?

@marciahawkins2067 4 жыл бұрын

Hello. From Philadelphia

@kelvinoleary6995 4 жыл бұрын

@dennispatterson4998 2 жыл бұрын

It starts with a plan- yes sir. people that understand interest collect it- people that don't understand interest pay it.

@ruthirwin8222 11 ай бұрын

I have no debt at all and im tighteming my budget, eat less biscuits and crisps, chippy once a month instead of each week and try and increase income, im a pensioner in Uk with a small nurses pension with state pension

@louismat319 Жыл бұрын

I always hear Dave say "cut those credit cards" does that also mean close the CC account? wont that lower my credit score?

@Rogcui 4 жыл бұрын

100k a year with 3 boys is tough... kids cost a lot

@mxerb5912 4 жыл бұрын

You’re kidding right? Maybe if you don’t borrow money to buy a used Audi money pit to look rich.

@Tigerkem 4 жыл бұрын

Not too bad in Wilmington to be honest. There's people surviving with half than that in the area in the same situation. In many areas this would be impossible the cost of living here is very much reasonable.

@caseyporter499 4 жыл бұрын

No they don’t. My raised 2 kids and she didn’t even clear 30k.

@amyclark959 4 жыл бұрын

Kids are only expensive if you don't know how to budget and you can't tell your kids "no" when it's not in the budget. SAHM Mom of 4 here

@lorrainem8234 4 жыл бұрын

My husband made the same and we have 5 sons. Actually, he made less when we had 3, and we live in a major metro area. We have been comfortable because we lived a lot of Dave's principles without having done his program. My oldest bought his first home for his wife and 2 babies at 22, and his 2 cars were paid for in cash. He worked hard and lived within his means in order to provide those things for his family.

@oli0808 8 ай бұрын

Dave Ramsey can do a 1hr45 half marathon 🧐

@anthonyanonymous234 3 жыл бұрын

So much that the kids think they are next 😂😂

@shola7987 4 жыл бұрын

The key is to really sit down and write everything out and budget by paycheck. It takes hours in the begining but it's worth it. Have to be able to focus but I know it's hard with kids.

@2-old-Forthischet 4 жыл бұрын

After I got divorced (I didn't make anywhere near $100K per year) and I became Mr. Mom, I started buying stocks. I only wish I was able to buy more.

@chickengeniussingapore35 4 жыл бұрын

Thanks for your comment. + 1 (4 8 4) 8 5 7 - 2 6 4 7

@babycgofficial5226 4 жыл бұрын

Nice try, but read about FBC fund and their algorithm first

@nadiar.7788 4 жыл бұрын

"Buy some candles and have a ceremony." Just don't charge the candles, OK?

@TY-vj3ou 3 жыл бұрын

She will guide you on your trading or invest with her ...(...3...1...0...)...5...1...3...4...8...4...1..(.. +.. 1..) Do well to tell her i referred you. She's my expert...

@mxerb5912 4 жыл бұрын

Out

@kelvinoleary6995 4 жыл бұрын

@Brazillianboi69 4 жыл бұрын

I new to sales and I don’t know how I’m going to budget for January because I have no idea what the commission will look like and if I get a bonus. There’s also the possibility of me not getting any commission because I have to break draw!

@kelvinoleary6995 4 жыл бұрын

@TwoEqualsOne16 4 жыл бұрын

Credit cards are not that bad if you know how to use them. Make monthly payments on time and keep usage to 10%

@kelvinoleary6995 4 жыл бұрын

@insideoutsideupsidedown2218 4 жыл бұрын

If you can afford something, you dont need credit cards. If you can't afford to something, you still don't need a credit card...

@stuemler 4 жыл бұрын

I have roughly 9k in debt on a car that's had three wrecks and gets poor gas mileage. I have 10k in cash. Do I pay off the Car that's been devalued or trade it in and keep the cash?

@tdgdbs1 4 жыл бұрын

If the wrecks appear on Carfax, you're in a hole; if you trade it in, that is another debt. Tough position to be in

@chickengeniussingapore35 4 жыл бұрын

Thanks for your comment. + 1 (4 8 4) 8 5 7 - 2 6 4 7

@netm203 4 жыл бұрын

I have 7k left on my car loan and no credit card debt. Am I to stop investing in my 401k until I get the car paid off?

@brendasmith8008 4 жыл бұрын

Yes! Investing is baby step 4 Paying off debt is step 2

@MrAmra16 4 жыл бұрын

So how do I get on this plan

@reyestheentrepreneur3351 4 жыл бұрын

, I'd recommend you to Kramerstrade on I.G

@MrAmra16 4 жыл бұрын

@@reyestheentrepreneur3351 scam?!

@reyestheentrepreneur3351 4 жыл бұрын

@@MrAmra16 Not scam 💯💯

@LetsTalkPersonalFinance 4 жыл бұрын

Well, he has a good income to work with

@InvestToLive 4 жыл бұрын

I always find that folks with large incomes and who are used to a big income often find it challenging to budget because it isn't natural. I remember, like yesterday, going to the grocery store and watching my mother sort through coupons and look for the best deals. I consider myself lucky!

@worksaveinvestwithjames2177 3 жыл бұрын

Making money is a much different skill than what's needed to consistently budget save and invest

@wintertarzanjagrup2527 4 жыл бұрын

Get your rice and beans ready boys 2021 has just begun . Tap Water or Noname bottled waters Your choice.

@PInk77W1 4 жыл бұрын

Dave had a caller once. His wife was out of town He was home with their two daughters. All they had in the fridge was Peanut butter and tortillas. He text his wife “Can we order pizza ?” She text back “Stick to the plan!!!” Dad told daughters Well tortillas and peanut butter Eat up !!!! They got out of debt. That story really hit me. LoL

@DJmicaiah Жыл бұрын

He never talks about budgeting details

@thedogproud556 4 жыл бұрын

Nice video! What about FBC fund and their algorithm review?

@Drugs_Explained 4 жыл бұрын

I never budget and I still tend to save a lot of money. 👍 In fact like 45-55% of my income. Edit and I'm 32 and retired.

@Mint-kj9kw 4 жыл бұрын

I never budget either...although I know where my money is going. It's all about keeping your expenses low. I make $40,000/yr....but save half of that.

@chickengeniussingapore35 4 жыл бұрын

Thanks for your comment. + 1 (4 8 4) 8 5 7 - 2 6 4 7

@bryanthouse9329 Жыл бұрын

You must live with your parents

@Drugs_Explained Жыл бұрын

@@bryanthouse9329 Nah bro but at the time that comment was written I was living in something called a Bosted in my native language. I don't know what you guys call it. But basically its a place where Food is included in the rent. Heck even free cleaning service and utiliy and heating. And now I'm living in an apartment not able to save nearly as much. But hey I still have a surplus every month al though it has been shrinking.

@d.relijahmwaikibuchi3284 4 жыл бұрын

Yes Yes! Read everything, and then say that you did not know FBC fund and their algorithm!

@KMF3 4 жыл бұрын

I don't understand how people go through life without a budget

@TY-vj3ou 3 жыл бұрын

She will guide you on your trading or invest with her ...(...3...1...0...)...5...1...3...4...8...4...1..(.. +.. 1..) Do well to tell her i referred you. She's my expert..

@zeal4god402 4 жыл бұрын

LOOOOL LET'S GO PLASTIC SURGERY ON SOME CREDIT CARDS

@LifeofKairo 4 жыл бұрын

High Earner, Not Rich Yet *HENRY* 😉

@SelenaHernandez 4 жыл бұрын

Don’t be a Henry lol

@Jay-om8gr 4 жыл бұрын

@@SelenaHernandez why

@SelenaHernandez 4 жыл бұрын

@@Jay-om8gr because we want to be rich 🤑

@Jay-om8gr 4 жыл бұрын

@@SelenaHernandez “yet” means you’re on your way there

@SelenaHernandez 4 жыл бұрын

@@Jay-om8gr I don’t want to be Henry but you can be if you want! Someone can be a low earner and be rich! It’s about how we use the $$$. I’m not rich yet so I’m not an expert. Currently, I am a LENRY and I’m not trying to be that either lol!

@yummy041496 4 жыл бұрын

Imagine if our government called into Dave. Maybe he can fix our deficit lol

@LeFKay 2 жыл бұрын

🤣 good one

@adrianmechelle3784 4 жыл бұрын

Can you make a budget if your income is not consistent and you're self-employed? Some months I make more, and some I make less.

@Mint-kj9kw 4 жыл бұрын

I'm in the same boat Adrian. Some months I make $6,000 a month...some months I make only $2000. However, in the end it averages to about $40,000/year so I just budget for that.

@chickengeniussingapore35 4 жыл бұрын

Thanks for your comment. + 1 (4 8 4) 8 5 7 - 2 6 4 7

@chrismccaffrey8256 3 жыл бұрын

Well you can so far as knowing what you need to spend on house and car payments and a basic food budget for the week/month. Then work from there.

@pistmusic6794 4 жыл бұрын

Thanks i knew about Michael Hill! He was my professor in Oxford and told us FBC fund!

@devinparker1748 4 жыл бұрын

Knowing what you dont know and seeking out help from those who DO know is having wisdom. This caller is going to be alright!

@ONEANONLYGAMING 4 жыл бұрын

FBC fund everywhere :D

@jarrettpierce5626 4 жыл бұрын

I don’t understand how you don’t just read dave’s book

@kelvinoleary6995 4 жыл бұрын

@Ubepati 4 жыл бұрын

He just said he is not fimiliar with the program so he probably doesnt know a lot about Dave Ramsey or his books!!

@skibum6422 4 жыл бұрын

At 49 he's running out of time. It's time to get intentional.

@mrtee6564 4 жыл бұрын

is there really still a person who does not know about the existence of FBC fund and their algorithm?

@bigd9040 4 жыл бұрын

Frig off !! Lol

@Crna2024-1 4 жыл бұрын

Guy sounds so defeated

@KMF3 4 жыл бұрын

I wish I was in his place with income

@John3.36 4 жыл бұрын

10% God, 25% housing, 5% savings, 5% emergency, rest = other living expenses

@theAppleWizz 4 жыл бұрын

If you’re saving 5% in savings your doing it wrong. Also 10% for god lol

@John3.36 4 жыл бұрын

@@theAppleWizz you can adjust accordingly, it is just a basic setup. Giving 10% to God is to put God first and honor Him. Try it sometime, you will notice that God will take care of you. It is good to make peace with the God of the universe.

@theAppleWizz 4 жыл бұрын

@@John3.36 haha 😂 he’s definitely taking care of those pastors. Btw Dave’s says to put away 15% also not to give if when you can’t but later in life when you can.

@John3.36 4 жыл бұрын

@@theAppleWizz he says give 10% to God as well, just not too often as to not ruin his business model. The problem with giving out of your excess is that you have to wait years potentially before you start giving. If you start giving at the beginning you can help people your whole life no matter how poor or rich you are. You may save up and suddenly die not being able to help anyone!

@theAppleWizz 4 жыл бұрын

@@goahead3995 your getting rob by your church....

@lookit6995 4 жыл бұрын

FBC fund and their algorithm is the best, there is no point in arguing with this

@kelvinoleary6995 4 жыл бұрын

@joec.5009 4 жыл бұрын

invest in stocks. bull market is here to stay!

@dec1slh 4 жыл бұрын

No it's not.

@jayj4439 4 жыл бұрын

I find it ridiculous that you make 100k a year and cant regulate your finances!! And what's more depressing is these are sometimes CEOs of corporate companies! Smh.

@maliamalis6389 3 жыл бұрын

... some ppl don’t have the privilege to have parents who teach them these things. And there’s a lot of ppl who have a lot of money and they know how to handle it cause again they never got taught the meaning of money which every parent should drill into their kids from a. Younge age. At least he’s asking for help

@FaroukHaider 4 жыл бұрын

Why watch all these forecasts!? Read about FBC fund and their unique algorithm

@IamtheGL 4 жыл бұрын

No need to be flexing, live like no one else and eventually be investing

@Ubepati 4 жыл бұрын

What makes you think this man is flexing, he is genuinly asking for help bcoz he is overwhelmed!! Just bcoz he makes a lot of money doesnt mean he has learnt how to use it wisely, he is learning on the go just like everybody else!!🤦‍♀️

@latasharma9281 4 жыл бұрын

Pls help

@TY-vj3ou 3 жыл бұрын

She will guide you on your trading or invest with her ...(...3...1...0...)...5...1...3...4...8...4...1..(.. +.. 1..) Do well to tell her i referred you. She's my expert..

@BoboExploits 4 жыл бұрын

FBC fund is my choice, i dont worry about BTC rates at all

@lorrainea.285 4 жыл бұрын

49 & he doesn’t know where to start budgeting🤯🤯 Meanwhile I’m in my 20s and started budgeting since middle school when I got my allowance. NO ONE showed me, I always had a notebook & red pen for debits & blue pen for credits. I now use an excel sheet. No wonder this guy is divorced!!