The Side Of Not Being BROKE...

[@jameson4420]

At the beginning of 2024, I had no Roth and $14k in credit card debt. Today, I have no credit card debt and a $7k Roth. #feelsgoodman 🤘

[@dianafoster7883]

Good job! Stay disciplined!

[@jameson4420]

​@dianafoster7883 Thanks, Diana! It's like a switch was flipped, and it's addicting in a good way. I wish you the best on your financial journey ❤

[@nildabridgeman8104]

💪💪

[@CSpottsGaming]

Big moves, congrats.

[@bearwithit]

How much do you make a year

[@domingodelgado3944]

This was a nice change of pace. I get tired of seeing the struggle videos 😂

[@FooFan-b3k]

Struggling is easy. Anyone can do it and there's really nothing to be learned from those stories. Winning on the other hand takes effort. It takes discipline. It takes a plan. It takes focus. Bitching and moaning doesn't solve a problem. The world needs more of these videos.

[@gina468]

Same here. Tired of seeing videos of people struggling.

[@saritamoorebansa4485]

Totally agree. 😂😂😂😂. Many people feel they should have a house with no issues, go on vacation every 3 months ,eat out everyday, purchase high luxury items daily…And have money saved & invested. You budget AND manage your life & money. Pay off your credit card, then buy that luxury item. Stack & Save $25k , then go on a vacation that you save for two years!!!!!

[@dcjohnson2490]

For real!

[@brokeindio5072]

You are seeing more struggling, simply because majority of the people are struggling lol. Welcome to the reality of life.

[@richlandzee8686]

First rule of thumb. Do NOT reveal how rich or wealthy you unless you want more surprise "relatives" showing up at your doorstep! I don't even remember the last time I had any house or car payments, although I'm much older getting ready to retire in the next few years. Stealth wealth/Quiet luxury. Good luck to all.

[@weho_brian]

also makes you a target for litigation. Money talks, wealth whispers

[@nicokl5593]

So incredibly true. People, family and friends will ask if you tell.

[@thenetia22]

Yes I I don't discuss about finances at all. You will have someone in your inbox or front door asking for money. I think teaching people to become debt free should always be discuss.

[@thehomeless_trucker]

​@nicokl5593 You really want to be around people who would beg you for money if they knew you had means???? Every one of those family members would be disowned and you're crap "friends" would get their numbers deleated out of my phone... stop hanging around pos people. Absolutely none of my chosen family or friends have ever asked me for money. The key word is "chosen"

[@zy5915]

I started to do this since I was 20 and now I am 41 with a net worth of $8m. I am so proud of what I did in my life.

[@KAye633]

Nice!!!

[@BlackRepublicanTV]

Can I ask you to vaguely let us know kinda what you did to do it?

[@zy5915]

@@BlackRepublicanTV My parenets gifted me a bit over 200k in custodial account once I turned 20 around 2003. i did not spend it and that account is now appromiately $3m now. In the meanwhile I worked for Google for 10+ years after graduation and self made RSU+Megabackdoor+ regular Roth+brokage worth around another $3m now. I bought 4 houses which currently have a total net equity of around $2m. that's it.

[@griptid]

Good job man

[@ThoughtsEqualLife]

Cap

[@AnthonyWamsteker-lv7gq]

6 years car-loan paid off in 3 years, SAVED me 42% in debt.

[@cjhoward409]

We did the same thing. Last payment was last month. Paid off a year in advance making extra principle payments and saving all that extra interest to the bank 👍🏻😊

[@lapoetapr]

I paid 50% in advance in order to get the car loan in January 24th and, several months later, I paid 5k more. It's 33% off now.

[@MontyJ804]

I did this also with a car after I returned from a deployment. Then my credit score dropped because I paid it off so early. Punished because I was debt free smh.

[@keimorgan5654]

My plan too. Just bought car to pay off in 5 year loan but plan on paying it off in 3 years.

[@mspino5245]

Not everyone is struggling! Thank you for showing that! There are tons of people that aren't overspending or living outside their means and being responsible.

[@benedwards3427]

Yes finally

[@Wubby805]

Totally agree.

[@Iamliterallythatgirl]

Right it’s getting a bit pity party out there lol

[@1101-f6z]

Don't worry the water just hasn't reached your deck yet. Nevertheless, the Titanic still sank.

[@Wubby805]

@@1101-f6z Nevertheless, not everyone was on that boat.

[@Campos2011]

That first person 😆 “We fired cleaning ladies” tells ya they were well off.

[@tristanris2481]

And she bought 9 years ago, try it with todays housing prices😂

[@cleric7788]

Out of touch. just get rid of some domestic staff and avocado toast.

[@sp123]

The first step to financial independence is having a good income. You can't save what you don't make.

[@Aristaifly]

The idea that cleaning fee could be put on a CC didn't cross your mind? See how your brain will try to find every little detail so you won't change your situation despite how uncomfortable it is?

[@icyglam1895]

And double income

[@azteca6695]

I bought my house when i was single. I managed to save 3 months of emergency funds. 2yrs after moving into my house. I was diagnosed with cancer. The year after the diagnosis, as i was going back to the Dr's and hospital to check for any remaining cancer cells. New management came in and I was let go. Luckily i had that money put away for my monthly expenses. Once i was cleared. I found another job. I decided to put money away in case something like this happen again. I managed to save for 7 months of emergency fund. Take it from me. You never know what life is going to throw at you. I'm married now, my husband and i pad off the house. And also prepaid for our funeral expenses.

[@raulgallardo5140]

Amazing!!

[@paulsargeant3764]

Hey, yall. Big move for me. At the end of November, I will be debt free. Can't wait.

[@jjbuckner]

Lets freaking go!!!!!

[@AnthonyWamsteker-lv7gq]

Congratulations.

[@paulsargeant3764]

@AnthonyWamsteker-lv7gq 👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾

[@driftless7134]

Congratulations man! Feels amazing, doesn't it?

[@paulsargeant3764]

@driftless7134 😊😊

[@dallasryder8125]

People need to be posting more of this. I get folks going through it and such. I literally had to join the military to get out of poverty back in 2011, because my family and community lost it all in the 2007-2009 crashes(graduated HS in the recession, working fast food, retail and sh*t construction jobs). I remember not having much before hand. Now a decade and change later, I'm doing great financially due to taking advantage of all the benefits in the military and literally saving all my bread during deployments, investing and now owning a small business, working in the medical field and always investing. I touched my first liquid 6 figures before 30 thanks to the military. My future wife and kids can go to college for free (as long as public). Some of us millennials and such aren't in the trenches anymore, unless we're getting paid for it...

[@M_SC]

It’s good if you don’t die or get maimed. Lots of vets offing themselves because the government won’t pay them for their sacrifice

[@Lafortune509]

Amen 😂 literally on deployment right now

[@kayv5840]

Awesome! Congratulations Hard work and discipline always pays off 👍

[@Ceilingkatwatchesus]

Agrees that deployment money is noice. I had a supervisor whose wife spent alllll of his deployment money. There was nothing to show for it. He even called the bank because he just couldn’t believe it. Then he turned around and bought her a brand new BMW. Everyone was like, “hey if he likes it, I love it.” 😭😭😭

[@lot2196]

Paid off our house 7 years ago. No car payments. We've been saving quite a bit. Our net worth is around $950k. Hoping to be millionaires by next year. The old family minivan is getting pretty rusty. We will buy the next one in cash.

[@Cupcakemountian55]

Congratulations 🎉

[@OneIncomeSuperSaver]

Congratulations 🎉🎉

[@jjbuckner]

Love this!!! Congrats!!

[@luckielefty7715]

Oh yeahhh!!

[@taraquo]

Good job! Congratulations!

[@Flow-x6b]

Paid off our house 6 years ago (16 years early). This allowed us to buy a big piece of land next to us a couple years later, which we paid off this summer. We are closing on our next door neighbors house next week, we put 50% down and should have the loan paid off in just over a year and will rent out the house. Getting our house paid off opened up a lot of opportunities.

[@awesomekj5812]

Damn all your eggs in one basket here.

[@MichaelOrtega]

@@awesomekj5812 seems to me like it’s a very good area otherwise he wouldn’t be putting his Investment on that area

[@flipperbooch2194]

@@awesomekj5812real estate is usually a pretty sturdy basket. And renting is pretty easy to deal with when the property is next door.

[@coreytaylor1673]

Yes!!! More of this! It's not all doom and gloom. Some of us are doing well and want to others succeeding too. 😃

[@GothBatty]

We are doing well. 😂🎉❤

[@maximussilverstacker3928]

No mortgage ! No car payment ! No credit card debt ! 😊

[@Knightcraft42]

Damn you don't exist on paper lmao lol.

[@minimalist_monk]

@@maximussilverstacker3928 Not so fast my friend. You do have HOA and Property taxes for life and if you don’t pay them they take your house away.

[@MichaelOrtega]

@@Knightcraft42he exist on paper VALUE. If he owns a home with no Mortgage whatever the home is worth it’s about his value. Existing On Paper it’s Not About debt

[@ronnieleigh3446]

Us too 😊 best feeling ever.

[@annietaylor2511]

We have no debt!!! And I will never own a car that doesn’t have a real key!!! Until I am forced to!

[@thomdesjardins6959]

Been debt free for years. They have been the best years of my life and I will always remain debt free.

[@thomaschew2191]

We live like we are broke, really broke. Paid off all of our debt and mortgage and we keep a lid on spending and make saving and investing a priority.

[@MultiPhonegeek]

This is my favorite topic to watch, debt freedom. Keeps me motivated!

[@Shahyee]

Please continue posting these positive stories.

[@UrbanEconomist5]

Man yes! I needed this, everyone isn’t struggling! 😂..some ppl are working thru things and not just complaining.

[@kayv5840]

People always think I have money and no debt because I’m not complaining. 😂 So that part in your comment made me laugh. My mind is just always thinking about how to increase skills and streams of income & working towards it even in my “free time.” Good things take time

[@AnthonyWamsteker-lv7gq]

Great video. Yes, BUDGET, and then WORK on your DEBT. Once you DEBT-FREE, your NET-WORTH goes up exponentially. That is a proven fact. Pay debts off ASAP. Sooner than later.

[@Vinnie16920]

I did the same paid off ten years early - absolute game changer. Yes there was sacrifice and a written budget every month. Where there’s a will there’s a way. Consistency is key. Debt freedom is awesome and for me has nothing but positives. Better sleep, better relationships when you remove money worries better teaching for children. There’s no stuff that means more to me than debt freedom.

[@lisaburke7506]

I would add that even if no one relies on your income, like if your children are adults or you are divorced, if you don't have enough in liquid cash to bury or cremate yourself, you need life insurance. My father passed away when I was in my mid twenties and while I didn't "need" his income because he allowed his life insurance policy to lapse, I ended up having to go into debt to pay for his funeral. Please don't do this to your surviving family.

[@zebramilktea]

I’m a law student so I won’t be debt free for awhile but I love watching videos like this. It’s so doable. I still work while in school and I put aside $800 a month to a HYSA in hopes to put that money towards a home or my loans when I’m done with school.

[@randyduyck6254]

I’m happy for the lady at the beginning of the video, great to have your mortgage paid off!

[@chris32682]

37 and debt free. paid off my mortgage in 2019. i have never even made more than 100k. it CAN be done. i can do pretty much whatever i want within reason now. the dave ramsey quote of, "live like no one else, so later you can live like no one else" is TRUE. my 20's were alot of hard work, but no student loan debt, NEVER any credit card debt, worked to pay down that mortgage principal. still was able to invest and have a very nice 401k and roth ira going. tons of investments.

[@ggfinger1]

People have no idea what life is like when you have no debt.

[@stillincali3611]

Sadly, debt is the norm in this country! Hating debt is a blessing. That's why I do not even like smartphone payments! Thus, I did not find myself in many others' positions. People need to reconsider debt and associated interest rate policies in this country! Although debt is a personal choice for most people, many young people face tempting and easy ways to satisfy their inner consumption desires. America needs to reconsider interest rate policies and the government should regulate those devilish companies and educate people! Otherwise, the coming years will be a calamity!

[@dallasryder8125]

@@stillincali3611 I do. "Smart phone payments" because I own a business. I get credits, write offs and always make money with my phones. If you're not making money with anything, it would suck to do payments.

[@benedwards3427]

I do. What do you mean?

[@LuisArcadia641]

I do

[@thomasmccollum4124]

I am a slave to no lender. There is no better feeling, except knowing that you are going to Heaven, when you leave this evil world. JESUS is LORD. Take that

[@tracyaf6084]

Thank you for talking about life insurance, especially including the stay at home moms! It’s so important. I saw that Ramsey clip and Deloney said someone told him the only reason not to have life insurance is if you hate your family. Makes sense to me

[@userundefined01]

I paid off my house 20.5 years early. I bought a house within my means and worked my ass off by taking as much OT at work as I could. So far I've paid off my house, truck and car and I have no credit card debt. I'm currently renovating my house. These renovations means more since the house is mine and I'm not renovating the house for the bank.

[@MattAK]

Four years ago I was in my mid 30's and living paycheck to paycheck. Since then I've more than doubled my income, paid off the five figures of CC debt I'd been carrying for half a decade, I have a nice emergency fund stashed in a high yield account, and I'm about to hit 100k in the IRAs. It feels nice to go from the stress of paycheck to paycheck living to now being able to buy things I want or need without worrying about it too much.

[@vk8sj]

I am 40 with a paid off house and it's a great feeling! We gave up a lot to get to that point in life. And I tell you what! I would do the very same all over again! We save and budget for everything and have not changed how we live now even after the payment is gone! Now the payment goes into savings. We live a minimal and frugal life and the stress that you don't have is amazing! We also don't have CC debt or car payments. We put money away for future car repairs and so. We cook at home and don't eat out unless we have the cash set aside for it.

[@abeliever33]

I know how she feels - we paid off our home in 2021! Allowed my husband to retire early when his employer mandated the jab.

[@SLRModShop]

I would have "forced" them to fire me, then sued them. But he's avoided the jab so, that's still a massive win :)

[@koukimonzta]

Congrats to all who made themselves free from debt. Welcome to our club of savers! 🎉🎉😂😂

[@Spacebank1]

Finally a video of responsible adults

[@CAGChannel1]

I found valuing “ things” cars, other “ valuables” to be very nebulous when determining net worth.

[@galupproperties3098]

I’m 31 paid off house. Drive a paid off 2023 Prius and have a decent sized emergency fund. Life is good.

[@AndyGarcia-nr8zm]

This was refreshing to watch. Not where I want to be yet, but this gives motivation.

[@ParkDari]

When you are FI, I can’t even explain the level of comfort you have knowing you are fine because you don’t owe anybody for anything and also you have no addiction to stuff. You don’t give a crap about other people stuff and other people live. You are just so happy to be living your lifewithout being controlled by debt

[@BREEZYM6015]

FI=financially independent? Why not just spell it out? 😂

[@AnnMarieHall-l6c]

I have no car payment no credit card debt no mortgage ❤❤❤ not every one is struggling thank you so much for sharing a positive perspective ❤❤

[@djrickyb]

We have our mortgage for 11 more years. I only have 8 more payments on my 2019 Toyota Camry. Can't wait to be car payment free at least!

[@onlypostthebest6104]

get that car paid off immediately

[@djrickyb]

@onlypostthebest6104 Working on it. Only had a 2.99% interest on it so there is very little if any interest left to pay on it at this point. Made about $2,000 in credit card payments last month. Got my credit debt paid off in 2021. I will do it again in 2025 and hope to keep them paid off.

[@BREEZYM6015]

I got 29 more years on my mortgage. 😂

[@TashaRiley-bp5sc]

Good luck this world is not 1966-2018 get smart

[@Rivs5117]

This year I fully paid off my student loans and two credit cards. Being debt free is amazing 💯💯

[@ewanfraser]

Fire your cleaning lady! Why didnt I think of that!!

[@TheEZOOD]

Hey mom you’re fired!

[@zackcinq-mars2129]

I was thinking the same thing

[@KAye633]

Get a job and save girl don’t be a hater

[@Joce123]

I have heard people say that they know housing is cheaper in the Midwest but that nobody wants to live there.. And yet the recent population census proved that over 24 million people live in the Midwest and that doesn't include Texas. You can rent in Witchia Kansas for $600.1 bedroom apt.. You can buy a 3 bedroom house in Mason City Iowa for $70000 or you can buy a 2 bedroom 1 bathroom house Albert Lea Minnesota. For under $40000.... These are all towns with colleges and a good infrastructure.

[@missmaryjanegreen]

I moved to Detroit & bought a formerly abandoned home. My house should be paid off in approximately 5 years.😊

[@MrQmason]

I think after seeing The Wizard of Oz people scared of tornadoes in Kansas...........

[@lisaburke7506]

While I'd live in the midwest in a heartbeat to lower my expenses, the biggest fear are the industries that are there--namely the ones my husband and I work in aren't really there. We're looking at cities and nearby towns in the southern states, basically going off of what companies with jobs in our field are there.

[@NNOutBurger_Gaming]

Are they racist? I’m asking because I’m a black man

[@danshealthylifestyle8443]

Finally you made a video of responsible adults. No adult kids playing victim. Thank you

[@tarikpierce]

More videos of high vibe people crushing it with money please!

[@Georgefaller341]

Unfortunately, not all of us were financially literate early, I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling! Thanks Wendy Stewart.

[@Georgefaller341]

she's mostly on Instagrams, using the user name

[@Georgefaller341]

@Fxwendy12 ..that's it .

[@Georgefaller341]

. Please tell her that I reffed you 👍 She’ll guide you💯

[@t3ddyt3d340]

I’m so close to paying off my last few loans I’m aiming to be debt free by December and I’ve used Dave’s baby steps kind of sort of and it’s worked and now my wife and I are about to be free for the first time in 34 years

[@thomaschew2191]

It took us 5 years to go from baby step 2 to baby step 3 but so worth it and now we are baby step 7 and loving it!

[@Karalolcowlaw]

Try to surround yourself with like minded people, my friends and I all have paid off homes and its not a coincidence.

[@sp123]

Social capital is as important as financial capital

[@SureBud14]

The only bill that falls off when you pay off your mortgage is your mortgage 😂 You still have utilities, property tax/insurance, and anything fixes around the house.

[@yasminogbu8929]

By Gods grace next year ill pay off! The journey has been hellish. Holes in shoes, zero social life! My mental health has really suffered but i think it'll all be worth it! 5/6 years I CANT BELIVE I can see the end of the journey! ( so emotional )

[@ParkDari]

I bought a term life policy 20 years ago when I was pregnant with my child. The policy just ran out this year and my child is grown and we are FI and having the comfort of that half million dollar policy for 20 years was worth every penny and it really wasn’t expensive at all😊 your child doesn’t need expensive gifts, but they definitely need for you to have a term life policy

[@AnaViolinViola]

Just 10 years ago my husband and I had net worth of 0…but with hard work, planning and some luck, things are improving 😊

[@rubicon3416]

I don't have a problem keeping a 3.75% mortgage as my only debt. Plus, my monthly taxes and insurance are almost as high as the principal amount. Wouldn't be a huge relief each month and right now I'm getting a decent interest rate on the cash that would pay it off.

[@VBoo459]

My husband and I are buying a house that is WELL BELOW what people would "expect" us to spend. We said, if we can't pay it off in 10 years, we don't want it. Because, we love to travel, eat well and live well and a house is only 1 major thing out of 100 other major things. We happily rented until finding the place we wanted. We refuse to be "house poor". The first lady absolutely gives me hope!

[@foxhound34]

Smart. Many years ago the bank offered us $400k, we bought a house for $275k

[@lindab3249]

My late husband not only paid off our home before he passed, but left me with significant life insurance. They were whole life policies through work but were SIGNIFICANTLY less expensive than the market rate term policy. I’m a walking testimony to the gift that life insurance is.

[@mrs.w8193]

My husband and I both have whole life insurance policies we are in our 40s. What if you don’t become wealthy, what if you don’t become a millionaire? Term life insurance will end and you will have to find new life insurance when you are older, which will be more expensive. Especially when you now have health issues. Plus whole life insurance policies have a cash payment option.

[@thomaschew2191]

get a renewable term policy and make creating a nest egg a priority.

[@zackcinq-mars2129]

Why do you need life insurance when you are older?

[@djflapjack4744]

I'd love to see more of these types of videos of people WINNING with money

[@potato1084]

0:33 I spent about 2 years saving and investing 65% of my income and I’m not much closer to owning a home let alone paying one off. The average home in my town is £900k when the average salary is 40k. Please don’t misinform if you live in a LCOL area say so.

[@fooleycooley04]

Facts

[@CelestialWeasel]

Homeownership is NOT the exclusive indicator to wealth. If you can afford the payment, sell the property and rent. It’s unfortunate and backwards but in many cities it’s the smarter choice financially. The lesser of two evils. The housing market is inflated right now, and it will pop, it’s done it before. Waiting until then is better and investing your money is the better route. Do not be “house poor” where you have a mortgage but barely get buy.

[@sallythibodeaux7992]

Great video! There’s nothing like knowing your home is paid for.

[@Cupcakemountian55]

This jan we bought my husbad used 2020 tundra cash. Dec we are going to pay off our other car we currently owe 34k on it. Weve worked our butts off for the past 8 yrs to get to this position. We dont keep up with the joneses we dont care for shopping and buying everything off amazon. We love to watch our savings grow and grow. Next goal is to purchase land and build a house. Oh we are 34 and 38!

[@ninjuhturdel]

People seem to ignore that 4% on a $400k mortgage is SIGNIFICANTLY more expensive than the 8-10% you'll get on your $20k investment portfolio. Additionally, no mortgage means you accelerate your investing by crazy amounts.

[@slchance8839]

this comparison is biased. you need to compare 4% on a $400k mortgage to 8-10% you'll get on your **$400k** investment portfolio.

[@ToniD6436]

Love the positive video! We are actively working on getting out of debt (credit cards 😬)

[@user-ku7sz2il8f]

Not everyone is struggling 😊.

[@cat86581]

"we're not wealthy" and "we fired cleaning ladies" in the same rant. bffr

[@icyglam1895]

Obviously double income too it would appear so of course that helps

[@KAye633]

@@icyglam1895oh please that lady did what yall couldn’t do.

[@icyglam1895]

@@KAye633 actually I’m mortgage free too on single income but thanks for checking :)

[@icyglam1895]

@@KAye633 with her husbands help yes so of course it’s easier lol

[@theresamcclure7333]

Watching from Australia, this was great! If nothing else it inspires others.. not all doom n gloom with cost of living! You can do this!

[@jjbuckner]

You really can do it! Just takes hard work and sacrifice!

[@LifewithTee76]

This was a welcome change. I love seeing the other side too. It’s nice to know folks are still getting to debt freedom. I’m on the journey now and I hope to be one step closer in 2025. I’ll only have the mortgage left.

[@laurijohnson7754]

It feels good to have your home paid off. I just will have my car payment in2 months.i will be making double payments and hoping to have it paid off in a year. I’m getting impatient lol

[@laurijohnson7754]

I’m with the First Lady. He shows people getting out of debt in a couple of years. It was about 10 for us too. It’s hard to keep your focus that long. But it’s so worth it!!!

[@joeriveracomedy]

I dropped 16k on a new chevy last month and signed for a new jeep yesterday without blinking. Not everyone is broke. All I do is work/invest, repeat.

[@BREEZYM6015]

How much is the payment on the jeep?

[@TrillDeuce]

Opted for a 15 year mortgage instead of a 30 year. Have 10 years remaining.

[@bhnurse16]

This gives me hope because back in 2019 I was going through a divorce, my savings were drained, and I had almost 60K in debt (no credit card debt though). I made a concrete plan after those first few months on how I could pay off my debt more quickly. I paid off the debt in just under 2 years with a lot of extra OT and controlled my spending. I've been able to save money for a down payment for a house but the houses in my area are just too expensive right now. This gives me hope that when I can buy a house, I can pay it off sooner too ❤

[@landonbrown9943]

Best feeling in the world is to not have bills and able to save & invest your money

[@Dollys_housekeeping]

I applaud anyone who can pay anyone off. It's a huge accomplishment. The biggest mistake I made was not saving in my younger days or when I was a housewife. Now I literally work and save. But I know I can get there!!! Congratulations to you all debt free out there!!! ❤

[@joliver79]

IM 45 just learned how to invest in Jan 2024 bought a decent amount of shares in Voo in my Roth IRA and brokerage and already up a good amount, def works and its a long term thing so ill keep adding $ monthly to it and max out my roth ira yearly also

[@TheNotimprezed]

Considering what the market has done in the last 10 years, im glad I didn't forgo investing to prioritize debt payoff. My student loan has the highest rate, 4.5%. Mortgage 3.5%. Car 2.75%. Retirement accounts went from $0 to $1.2m.

[@haldorsonsmolarek]

Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling.,,

[@DianaMarco-x9v]

Congratulations to you, You're really doing well for yourself, I'm 48 and my financial life is in a mess. Any great tips would really go a long way in shaping my life.

[@M_SC]

Go away scammer

[@haldorsonsmolarek]

As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Jihan Wu is my trade analyst, he 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.

[@JasonHain-z8t]

Please how can I get in touch with this coach Jihan Wu ? I really need to give him a try

[@HowieWeiner-p6p]

That's exactly his name (Jihan Wu ) so many people have recommended highly about him and am just starting with him 😊from Brisbane Australia🇦🇺

[@skapunkoialternativeliving6522]

The best way to. Pack your mortgage is, don't refinance. A lot of people refinancing thinking they're going to get free money. You don't get free money. You basically start all over again and over and over. Which means you're famous or cheaper. But now you're all among the house. This is explains why you have a 30-year-old person by a house and they're 70 years old today and still pay the mortgage that don't make sense. You should have done paid off the house long time ago.

[@Kaha-ow1xt]

Something I found helpful in paying off my place was to look for a mortgage calculator that focuses on the time left - seeing that if I paid $100 more each time or paid every two weeks rather than monthly I would be finished 5 or 10 years sooner was very motivating to me

[@CJ-ub3rh]

You will not always do everything perfectly....but just keep going...get back on track...you can do it

[@ZeroGravityLife]

Not all of us are stupid spenders

[@MsJ.TeacherToTech]

I like that she said... old fashioned... excellent done. Congratulations

[@Bertuzz84]

The net interest that we pay on our mortgage is quite a bit lower than the current rate of inflation is. So paying off our mortgage early will effectively lose us quite a bit of purchasing power.

[@onlypostthebest6104]

i was thinking about that

[@Marteen40]

More of these please - motivation

[@jayouzts725]

Our mortgage interest rate was about 4%. We paid it off early because it was our last debt. Three months after that, I got laid off. Getting laid off sucks, but it sucks less if you are debt-free,

[@EspritsFantomes]

Since we bought our place, we almost never go to restaurants anymore. We travel mostly in our country and every 3 years we go abroad. We have small Wolkswagen and it is enough for us. So we don’t have any car payment and we don’t want any. Monthly mortgage payment is 26% of our monthly net income so we are not house poor but we are still very careful

[@AlbertGReene-p8w]

It's enticing to consider purchasing some stocks in this bull run. I'm contemplating investing more than $300k for retirement. While the bull run can generate short-term excitement, i also need long-term investment strategy

[@SkepticalMechanic-l9x]

It seems like there's potential, but caution is warranted. hence I will advice you get yourself a financial advisor that can provide you with entry and exit points

[@Too-old-Forthischet]

I agree with you. As an early investor in NVDA, AVGO, ANSS, and PLTR, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@americanopinions]

Hey, I'm trying to find a certified one to boost my investments/portfolio, but it's tough online. Can I get a rec from you, since you know about this stuff?

[@Too-old-Forthischet]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sophia Irene Powell ’’ for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@12PieceAndaSoda]

Imagine owning a house and it’s paid off. Props to the lady!!

[@HerHealthyHome]

Look into whole life while you are young, you can borrow against what you have invested. I plan on doing that in our older years, to pay the premiums or for a cash injection. Read the book, " What would the rockfellers do?"

[@604raider5]

Paid off mortgage is the best, soo much piece of mind.

[@jeffnightengale554]

I find it more interesting to see how people are getting out of debt and investing than focusing on the debt and financial mess. Have a plan. Work the plan. Adjust the plan.

[@BrianGivensYtube]

I’m 26 and trying to hit 100k in investments before age 30. I think I can do it by 28 if I stick to my plan. Downsizing and spending much less than I make is the key. Just live modestly and forget all the status flaunting you see online. Financial freedom is what matters.

[@homeacres9454]

House equity = MYR 900,000 Cash = MYR 102,000 401K = MYR 683,000 Physical gold = MYR 71,000

[@TheSUPERHAPPY1]

What does MYR mean?

[@homeacres9454]

​@@TheSUPERHAPPY1Malaysian Ringgit

[@Nader_61]

I've seen so many videos of people complaining about inflation and housing market. One glaring difference between this one and those is that no one said "literally" in this video.

[@CYBERTECHY1]

Your show is amazingly! I am a regular subscriber. Thanks for all the insight!

[@kleom]

oh finally we see those type of videos damn

[@dennisleyva8239]

VTSAX AND CHILL BABY

[@lizacopeland2388]

House is definitely a liability whether you paid off your mortgage or not.

[@saritamoorebansa4485]

But you always need a place to stay , House/Apartment/Car/Park bench

[@ShawnQueefus]

Is maintenance a liability?

[@KAye633]

It’s an asset, this is definitely a reason why yall stay broke.

[@foxhound34]

Wife(41) and I(42) got rid of our consumer debt almost 5 years ago and we have 17 months left on our house. Our net worth is $1.2 million

[@busybeexoxo]

Commenting to stay on this side of the algorithm 😊

[@Tammy-e8c]

It can be done. We paid ours off in 15 years with only my husband working and sending our kids to Christian school. In those 15 years our income averaged between 50,000-80,000. I had to really budget but glad it’s paid off. If we didn’t do Christian school for our 3 kids it would have been paid off sooner.

[@sabsk122]

That's a very dangerous mindset to only suggest term because not everyone is diligent with their money and if after 54 they die their family is screwed. Some people need whole life

[@JohnC9392-0]

Awesome video JJ! 👍 Very inspirational. These kind of videos motivates others to follow suit. We would like more of these type of content, as it impacts everyone positively. Learning by positive viewpoints with real life stories helps and benefits us all. ❤

[@nickalinaelliott7954]

Check with your employer. I picked up an extra 100k of life insurance for $4 a month. Extra on top of my term life policy. Cheaper than a latte 😂

[@CAGChannel1]

Honey child, you will blink and be 54! Your projectory in life mirrors ours in terms of meeting in college, marrying at graduation, having kids straight away, and then pooof….OLD! I sincerely enjoy hearing your journey!