As someone a bit older than you, I'll share that being debt free changes your attitude towards your job. It all becomes a lot less burdensome knowing you can walk away and be ok. It's a serious power shift.
@phatjazzyj2 жыл бұрын
That's where I'm trying to get
@tomkin25 Жыл бұрын
Amen! It's like you have the option to just walk out without the fear of losing anything! I LOVE IT!!! YOU CAN'T PUT A PRICE ON THAT FEELING!!!!!!
@MultiPhonegeek2 ай бұрын
This is a fantastic comment! I’m 5 years away from paying off my mortgage and being debt free and being able to walk away from my current job keeps me motivated everyday, I can’t wait to see what the feeling of being debt free is like
@BlueLineGroovyАй бұрын
@@MultiPhonegeekone year ago my employer (37 years there) offered me a severance to leave . They were downsizing. Well, easy decision because I was very close to being debt free.. I accepted it and SHOCKED my coworkers who didn’t see that coming. What a feeling to say “see ya!” And I am completely debt free. •. Keep your goals in vision.. you’ll soon experience the same great vibes.
@josiahsmom37813 жыл бұрын
After I paid off my debt..then I made it my goal to pay cash for a house...only took me a couple years to do so 😊 God is sooo good!
@LifeAs_Kiki3 жыл бұрын
That’s amazing! Congrats!
@SHAWNA4993 жыл бұрын
Yes he was is,and congratulations
@sarahjacobson19953 жыл бұрын
Wow that’s amazing!!
@sabrinaalston12433 жыл бұрын
GOD PROVIDED GLORY TO GOD AMAZING TESTIMONY.
@Christinathemasterbarber2 жыл бұрын
Cash is king. Doing the same soon
@IsabellaJulialove10 ай бұрын
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.
@AlanJuan5210 ай бұрын
Money invested is far better than money saved , when you invest it gives you the opportunity to increase your financial worth
@GeraldCarl-10 ай бұрын
"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."
@SaraEsther24210 ай бұрын
I also keep seeing lot's of people testifying about how they make money investing in Stock, Forex and Crypto Trade(Bitcoin) and I wonder why I keep loosing. Can anyone help me out or at least advice me on what to do.
@MasonRoy82210 ай бұрын
Even with the right technique and assets some investors would still make more than others.
@SophiaAva32710 ай бұрын
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.
@dchrysostom3 жыл бұрын
In July will be completely free... Net worth will be over 1 million, but I’m 52 no mortgage..no debt
@LifeAs_Kiki3 жыл бұрын
Yayyy!!!! That’s goals Congrats 💕
@CherieButler3 жыл бұрын
OMG...I am so proud of you and happy for you (and I've no idea who you are). I'm in your age group and I'm nowhere near you in terms of financial goals; but you sharing this make me feel like I too can achieve this! Thanks
@wileecoyote57493 жыл бұрын
If housing market tanks you be worth what your property is worth. Like me
@cloudsunicorns1943 жыл бұрын
D Chry...that says a little but not a lot. You will need double that to retire.
@tvdavis3 жыл бұрын
@D Chry: That’s awesome! I will be your age in a few months and I’m nowhere near what you’ve accomplished! Proud of you!
@ccutieccutie3 жыл бұрын
"I don't want to work with people..." that's funny, I don't want to be an entrepreneur and I don't want to work with people either. I got a shirt that says, "I used to be a people person, but people ruined it for me." LOL
@ladyshiloh193 жыл бұрын
When you said "working a 9 to 5 is a scam" i had to hit the subscribe button. My only debt right now is my mortgage. Once i pay this mortgage off i am retiring from this 40 hr work week.
@LifeAs_Kiki3 жыл бұрын
Yasss! We got this! ❤️❤️
@alexarriaza79213 жыл бұрын
pay your hours as fast as possible! you got this
@anointedtheoryofgospel60123 жыл бұрын
You will not regret paying your house off …. Awesome. You can do it. Pay on the principle monthly after paying mortgage. Be sure and specify PRINCIPLE ONLY
@roxannescott69563 жыл бұрын
How long did it take you
@Clarkbar793 жыл бұрын
@@anointedtheoryofgospel6012 I don't like paying off your mortgage too early. I get literally no tax deductions anymore. That interest is tax deductible but not if you don't have a mortgage.
@cherylT3213 жыл бұрын
I became debt free two years ago. I am still adjusting to it. I find it interesting that I can basically buy whatever l want, but choose not to. I have 75 dollars going into a separate checking account every two weeks for food and any miscellaneous purchases. There’s now 500 dollars in that account because l have the cash money to buy things, so l barely use that account. I also started setting aside more money for retirement, and for sinking funds...Just recently, l realized l was hoarding money and not using it to help others. I pulled out a thousand dollars and sent the money to different charities that l had researched that have a good history of helping others. I’m going to try to strike a balance between saving and helping others!
@LifeAs_Kiki3 жыл бұрын
So freaking happy for you 💚
@cherylT3213 жыл бұрын
@@LifeAs_Kiki Thank you!
@SHAWNA4993 жыл бұрын
That is so sweet
@cherylT3213 жыл бұрын
@@SHAWNA499 Thank you.
@missnlahi3 жыл бұрын
Yes!!! Giving charity never makes you poor!
@James-yi1vk3 жыл бұрын
Same situation here. $70k+ in the bank. No debt except a mortgage. Indescribable peace that passes all understanding. I wear walmart clothes. No one had any idea how much money I have 🤣🤣🤣
@toujoubranche92613 жыл бұрын
Hahaha lol
@yavenay3 жыл бұрын
Same here, I'm debt free including mortgage and the amount of peace that I feel is amazing. I have an overall sense of well being and all it took was to become debt free. I honestly feel debt freedom is the drug people are looking for.
@michaelsmith93083 жыл бұрын
I like Versace EVERYTHING, sneakers are $1,000 a pair, glasses are about 800.00 for shades, HOWEVER, i now wear Versace look alikes, my friends were AMAZED when they looked at the tags and i paid $30.00 for a silk shirt verses $1100.00 because they know i have high standards. I put that money into a bank. you can still look great for about $100.00 an outfit for a guy minus the shoes/sneakers i buy on half off only.
@pfusiontechnologies97153 жыл бұрын
You cannot be debt free with a car or home mortgage payment. Interesting how you all understand being debt free...
@cloudsunicorns1943 жыл бұрын
Your house is a huge debt. Interesting how people perceive debt.
@aleluna18983 жыл бұрын
I’ve never related to anyone more. Everything you mentioned is how I feel. After I became debt free I also realized I didn’t like working 9-5 I’m honestly happier working part-time and keeping my expenses low.
@LifeAs_Kiki3 жыл бұрын
That’s my goal! I would love to cut back hours
@missnlahi3 жыл бұрын
Same! I could work in a bakery part time and feel great
@cathleensmith47173 жыл бұрын
@@missnlahi In no time I would feel 20 pounds heavier!😂
@missnlahi3 жыл бұрын
@@cathleensmith4717 😄 self control my dear. Intermittent fasting has cut down on my hunger pangs so I don't have to worry. Also lack of work stress prevents overeating as well.
@bunnyboo62953 жыл бұрын
Yeah to stressful for some and for what to be miserable all the time and to burnt out to give time to the things that matter.
@dirkl96523 жыл бұрын
All it takes is a major medical issue or a family emergency for things to change financially. Life happens but being debt free will make it easier to handle unexpected events. Thanks for sharing....
@LifeAs_Kiki3 жыл бұрын
You are so right! Thank you
@BluDrop53 жыл бұрын
True; but, if you proactively focus on being healthy, then you'll be able to avoid health issues - or your body will bounce back of something happens.
@ms.anonymousinformer2422 жыл бұрын
@@BluDrop5 yep . Like staying away from injections and pharmaceuticals, consuming a healthy diet, taking high quality (not grocery store crap) vitamins&minerals , drinking filtered or distilled water (staying away from tap water and restaurant water, using something like a Berkey ,also in the shower 🚿 too. ) Regular detox protocols , getting proper sleep 😴, not overloading on stress or over doing things is especially important.
@freewillchoice80522 жыл бұрын
And all it takes is discipline, dedication, focus and passion to become rich too.
@JustMe-pu3xm2 жыл бұрын
So true, I broke my ankle and $36,000 later after I got out the hospital.😩 how can they charge someone that much. But that’s life
@christine-973 жыл бұрын
wow I love how she was so honest about not wanting to be an entrepreneur and not liking customer service jobs lol Being an entrepreneur is the trend now. Alot of ppl are faking and flossing.
@genxx27243 жыл бұрын
It’s a word people didn’t even know, and now It’s worn out by the most ignorant. Elon Musk is an entrepreneur. Some bozo with no job who thinks he’s a music producer is NOT an entrepreneur.
@vintagefiasco22712 жыл бұрын
FACTS
@yihuda74592 жыл бұрын
But, u also need to understand…without some kind of hustle…u will be struggling Now days u need to make over $60k to have a comfortable life in many states…life is getting harder
@ahutton493 жыл бұрын
I’m debt free as well and life is so good. You as a young woman I take my hat off to you. At 50 it opened a whole new world for me and at 60 it is so nice to see the money stack up in my accounts. I was downsized in March of this year and I won’t be going back to work. I’ve saved enough that I won’t have to and will be moving to Mexico next year to live off my saving. Keep reaching as many women as you can. Peace and Blessing
@LifeAs_Kiki3 жыл бұрын
That’s AMAZING! Congrats to you! 💕
@yolandawilson69512 жыл бұрын
Congratulations
@barrytelesford52652 жыл бұрын
why mexico?
@chicnoir292 жыл бұрын
@@barrytelesford5265 - Your money goes further.
@barrytelesford52652 жыл бұрын
@@chicnoir29... and the community good enough?
@katythebeauty3303 жыл бұрын
I’m so happy you said being an entrepreneur isn’t for you! I see so many people on this “boss” journey and “hustle” sayings. But it’s not for everyone! If that was the case everyone would’ve been an entrepreneur. Love your hair too btw!
@LifeAs_Kiki3 жыл бұрын
Exactly! I am not into that life lol and thank you ❤️
@shantedewise73453 жыл бұрын
I feel the same, I use to think that this meant I was lazy or behind this boss girl band wagan! Its hard to do something you dont have the desire for!!! Thankyou for making me not feel weird☺
@LifeAs_Kiki3 жыл бұрын
@@shantedewise7345 thank YALL for making me realize I’m not alone 💚💚
@yavenay3 жыл бұрын
I’m not a boss. I’m achieving wealth through investing and real estate. I’m too lazy to be an entrepreneur……lol
@devitawalker8752 жыл бұрын
Used to be me! So happy to be more chill now that I have steady income. Gives me peace of mind to focus more on the experience of life instead of chasing dollars as entrepreneur.
@annielin28943 жыл бұрын
Congrats I am 47 and got debt free last year during the Pandemic and I only have a low income job... but still I made it!
@LifeAs_Kiki3 жыл бұрын
Yay!!!
@SHAWNA4993 жыл бұрын
Wow.I don’t know how you did it,but congratulations
@sincerelysandi3 жыл бұрын
And I take it that you are happier?☮️💟
@annielin28943 жыл бұрын
@@sincerelysandi yes
@cherylT3212 жыл бұрын
Awesome!
@SugarMamma3 жыл бұрын
Congratulations on becoming debt-free! So proud of you! xCC
@LifeAs_Kiki3 жыл бұрын
Thank you! ❤️
@joshtv92263 жыл бұрын
m.kzbin.info/www/bejne/gYTLm4SkgrRmiJo&pp=sAQA
@tlm36463 жыл бұрын
😒😑
@TechOutAdam3 жыл бұрын
Finally someone admitting they don't want to be an entrepreneur. People seriously don't understand what that means. "I want to do whatever I want but in less time." Truly mean and you would be great friends I feel you on everything you said!
@LifeAs_Kiki3 жыл бұрын
Thank you! ❤️
@ghostiebudgets49022 жыл бұрын
That's wonderful do what's best for you 👍
@wehrwolf80063 жыл бұрын
I am debt free ..paid off house in 2014..after 20 years it felt great...but I have found it makes you not care about alot of life that people around you are struggling Hard for..it will change you in many ways..other will start to treat you differently because your in control of your life and they are not.
@lionessrising3 жыл бұрын
When I became debt free abs saw $50,000 I was so proud then I saw $100,000. That’s when I said I can relax a little and have some fun. Still stacking and investing!!
@LifeAs_Kiki3 жыл бұрын
That’s GOALS 👏🏽👏🏽👏🏽
@gilabsolute13533 жыл бұрын
Amazing! Any tips how you tackled your debt that you would recommend?
@lionessrising3 жыл бұрын
@@gilabsolute1353 I think the very first thing I found useful was to create a budget based each paycheck. Doing a monthly budget was too broad for me so I just budgeted the money I knew I had in front of me. I felt like it made it easier for me to decide where each dollar would go. The other thing I did was to only use cash for problem areas. That help me curb my spending because it was harder to give up cash. So for example are used to spend way too much money on clothes because I love fashion. So instead of just sliding my credit card mindlessly each paycheck I would budget about 100 or $150 thank you and it made me so mindful of what I bought. That gave me also more money to throw at debt. The other really important thing I did was to put away the credit cards. It makes no sense to be trying to get rid of debt but yet I’m still charging things on credit cards. I would also make it fun by selling monthly goals of what I want to accomplish with death and have some kind of reward at the end. Oh and absolutely no vacations. Broke people need to not go on vacation lol
@lionessrising3 жыл бұрын
@@gilabsolute1353 I hope these were helpful to you
@gilabsolute13533 жыл бұрын
@@lionessrising thanks for replying. Makes perfect sense.
@cadavison3 жыл бұрын
I became debt free 9 days ago and I really needed to hear someone else talk about what I am going through. Thanks!
@nicolec24702 жыл бұрын
Congrats
@PInk77W13 жыл бұрын
I’m a high school drop out. I paid cash for my home I have no car. I have no debt. I have large savings. The last 2 weeks or so Every friend or family I’ve talked to has Just bought a new car on loan. I’m completely shocked
@michaelsmith93083 жыл бұрын
If they can actually write a check to pay off their car purchase, they are fine, like someone who buys a two million dollar house, if they can write that purchase off in FULL and they have a net worth of five million dollars they are fine, its PERSPECTIVE to risk!
@gregoryfaulcon5503 жыл бұрын
I am debt free including my house for over 5 years and it’s a wonderful feeling. I will never go back into debt.
@mphocollenmaaboyi42153 жыл бұрын
Amen...congratulations 👌👌
@LifeAs_Kiki3 жыл бұрын
That’s a big deal! Congrats!
@yavenay3 жыл бұрын
Me too. I love it. I can't describe the peace and contentment I feel in my life. Health has gotten better, I sleep a solid 8 hours......almost zero stress in my life.
@gregoryfaulcon5503 жыл бұрын
@@LifeAs_Kiki thank you.
@victorblock34213 жыл бұрын
Congrats to you. My home has been paid off nearly 5 years. I have zero debt and piling my money into ETF's. I feel smart, because I am. Being debt free makes you see things differently. Keep it up my friend. We are now part of the smart group.
@gimcrack5559 ай бұрын
I been debt free since I was 36. I just turn 60 and still debt free. Been paying cash since I been debt free. Torn up my credit cards and never seek out a loan. If I don't have the cash I don't get it. When I eye something I need. I save up for it and than I get it. I have everything I need and money just piles up, because I don't have anyone holding their hands out for their share of the pie. It's all my and can do what ever I want with it. Its so peaceful and zero stress. Living comfortably and very happy. You get richer, when you have no one else to owe money to.
@kleocatra96753 жыл бұрын
Being totally debt free is incredible. You gain so much freedom and choices.
@deb60613 жыл бұрын
We're debt-free! It's a GREAT feeling to be able to stash your cash instead of sending it to others! No mortgage payments, no car payments and no loans. We have 1 credit card and it's paid off at the end of each month. Congratulations on reaching your debt-free goals! Keep up the awesome work!!! :)
@LifeAs_Kiki3 жыл бұрын
Thank you! Congrats to you as well!
@sarita55723 жыл бұрын
We have 3 more years until we're done paying for everything....including our little home. It feels so good even saying that! I can't imagine when we can say 100% debt free. Congrats girl! Enjoy this!
@LifeAs_Kiki3 жыл бұрын
Congrats to you as well!
@kristine73043 жыл бұрын
I hope this debt free lifestyle becomes a bigger movement. I have been debt free for over a year. I remember that feeling when the last payment was made. Honestly it's like any achievement. It feels weird to hit a goal you've been waiting for so long to hit. Then it's like, ok now what? I wouldn't go back, I am happy that we have done what we've done. I too, didn't know the habits would stay with us. It is sooooo easy to save money when you have those habits. I wish more people were willing to try it. My experience is many people will be curious how it was achieved or say well done but they're not willing to take the steps themselves. Then it feels a little weird that you even said anything. Like it feels like bragging and I hate that. I just want other people to feel the freedom that we do. It's not about anyone being better or worse. I need to know how to sell it so it sounds quick and easy. It took us 4 years.
@cherylT3213 жыл бұрын
Agreed! And, ditto!
@LifeAs_Kiki3 жыл бұрын
This comment was EVERYTHING 💙💙
@anointedtheoryofgospel60123 жыл бұрын
Some people are haters. So I am careful who I tell. Like you said it is not bragging. Most people want to be debt free but do not want to make the sacrifice when you explain how you did it
@genxx27243 жыл бұрын
Yep, best keep it to yourself.
@anointedtheoryofgospel60123 жыл бұрын
@@genxx2724 Tell someone if they ask you how you did it. It does not happen over night. It is discipline and consistency. Don’t give unasked for advice
@innerblackbeauty88153 жыл бұрын
Paying down debt contributes to ur self-esteem; it makes one feel good about setting goal & accomplishing it. It helps build self-discipline in many ways. I believe one thing Dave Ramsey & other financial gurus don't address in this space achieving financial wholeness, either while paying off debt or after. The Budgenestia tackle need for financial wholeness. I'm not her spoke person, but I truly she's on to something. I appreciate you acknowledging that no everybody desires to be entrepreneur; that life is not for everybody, I'm personally so sick of folks shaming others who don't have entrepreneurial spirit. This "hustle culture" shaming is crazy on social media.
@LifeAs_Kiki3 жыл бұрын
I agree!
@sandysanderson85882 жыл бұрын
Working 9 to 5 for the Man, yes a thing of the past once you stop paying everyone else. Great video love it.
@gdimask3 жыл бұрын
My car feels different now that I paid it off 4 months ago. I only have my mortgage left!
@LifeAs_Kiki3 жыл бұрын
That’s so amazing! I hope you celebrated! ❤️👏🏽
@michaelsmith93083 жыл бұрын
Just remember to save those previous monthly car payments as paying yourself, before you know it you can purchase most things CASH. When my car payment was over, and the time came near for my next want -car....i could pay cash, but said hell no, thats fifty thousand dollars that could be used to make me money from stocks etc.............
@kennethmcnair27403 жыл бұрын
I paid off my house, credit cards and both cars.......I'd advise homeowners to switch to a 15 year mortgage..........my total monthly bills are cable/gas and lights/cell phone =$450 and I have a full-time job and a part-time job.
@Jessrobbie2 жыл бұрын
When I asked my followers from different platforms what are they immediate financial goal, most of them said that their want to make their first million. So that's what we're doing today.
@pierogallo1322 жыл бұрын
Making 1 million dollars sounds like a lot of money if you've never earned high figures before. It might seem like an obsolete objective, but the truth is new millionaires are created each day.
@confidencestephen41162 жыл бұрын
@Olga Carvalho Investing in stocks is a good idea, a good trading system would put you through many days of success.
@souza-t2 жыл бұрын
@Melissa REID
@Ayasha_khan2 жыл бұрын
@Jones David Wow what a coincidence, you invested with Mrs Galia Benartzi also.? I also trade with her I get to earn a big weekly trading income of $28,000 pioneered by Mrs Galia Benartzi
@elizabeth56232 жыл бұрын
@@Ayasha_khan It's really amazing seeing Ms Galia Benartzi been mentioned, She helped in increasing my performance which has made me $23k.
@sarita55723 жыл бұрын
We also live on one income..$50,000 a year. We have made it work for a few years so far. We don't have credit cards either. Our goal is once we're done paying off all debt in 3 years my husband can go to part time.
@foodlover80783 жыл бұрын
Debt free here, I have a goal to hit a savings of 6 figures in 2 years. I’m getting there by doing no spend challenges , combining incomes , go easy on grocery shopping and keeping expenses low.
@dcamnc13 жыл бұрын
I've found the same things as you when I became debt free (6 years ago). I still don't spend much money, even though I can literally buy almost anything I want within reason. I get greater enjoyment from watching my net worth grow every month, than I do from buying stuff.
@LifeAs_Kiki2 жыл бұрын
same!
@dwtbb003 жыл бұрын
I feel the same exact way. I was so broke for so many years that although I am debt free, I’m still “penny pinching” everything. I’m debt free, I have a $3k emergency fund and I have 6 months worth of expenses saved up. But I only have 3 cc’s and I sporadically use them. And I always make sure I’m using 5% or less on my cc’s. Like this I can pay it off right away immediately and earn cash back. I was thinking of using my cc for my daily expenses and at the end of each week pay it off with the money I’m allotting for them just so I can earn cash back and raise my credit score. Or just linking my bills like cellphone, streaming subscription to it and pay it off each month. But I haven’t done that yet as I’m still thinking and researching it. I want to be smart about it.
@blackgirlmagic63853 жыл бұрын
Debt free squad. I feel the same way about working long hours I’m hoping in the future I can cut my hours in half.
@crystalclear97473 жыл бұрын
I love videos like this! I am currently on a debt free journey right now. I have done the $5 challenge $10 challenge etc. I couldn’t believe when the challenge was over and I counted up all the money I saved. I was able to save $12,600 in 1 year. I almost lost it. 😂😊 I threw every dime of it into my debt! It felt amazing to see those balances go down. Hopefully I will be out of debt by the end of 2022🤞🏾
@PersonalFinancewithLeila3 жыл бұрын
Love this! Congrats on being debt free 👏👏 I have $36K left of student loans but have been saving while they're in forbearance! $4.5k saved for them so far!
@LifeAs_Kiki3 жыл бұрын
Yay! Congrats to you!
@christianpraisedance3 жыл бұрын
From personal experience I would suggest making payments on the loans if u can.... in forbearance they continue to have interest growing and the more you pay on it now and when u can the lower your bill and will be better when you come out of forbearance and less interest. Don't wait so long to pay the whole thing and then interest made it higher
@everythingapril3272 жыл бұрын
Positive mindset shift helps creates better habits. Congrats on being debt free! I'm not debt free but I am very strict about saving and have been able to save well. Great video!
@LifeAs_Kiki2 жыл бұрын
Thank you! 💜💜💜
@Johndoe90sbaby3 жыл бұрын
I don’t know how you showed up on my recommended videos but I’m happy you did. I’ve been Dave-ish for the last last year and a half. My credit card was 17k and now it’s almost under 6k. I’m hoping to knock it out this summer. Anyways, I’m happy I came across this video. I have always wondered about keeping my credit card now that I am more responsible. Thanks for sharing!
@LifeAs_Kiki3 жыл бұрын
That’s amazing! Keep it up 💚
@SHAWNA4993 жыл бұрын
Wow.u did great
@AwakenWithMarkInAFRICA3 жыл бұрын
Congratulations‼️ This video is on POINT. You hit it out da park. My wife and I are debt free ($75K in 28 months). We were so happy, then the let down. The credit score dropped from over 800 back into 700's, bruh. I do own a motorcycle, lol, but it was paid off before the journey began. But the mere fact that you mentioned it, I love your freedom. Even our grown sons have double digit savings, krazy. It is funny, spending mindset got cleansed. Working for money - you right ✅...I simply enjoy what I do. Diaspora needs this freedom. Bless you.
@YECIEBOO2 жыл бұрын
Your right girl, I started off with the snowball method but then I said screw this and went straight to my highest debt and knocked it out and everything is slowly but surely coming together.
@vincentbrown68182 жыл бұрын
Nice content! The best way to find that balance between saving and living is by investing, this way you get to have your savings intact and then live comfortably of the revenue coming in from your investments.
@binagital56652 жыл бұрын
His trade execution quality and profiting is well structured with great financial features.
@lindalily69242 жыл бұрын
Working with Romero pieto is the best thing that can happen to a beginner trader who is aspiring to be fruitful out of the market he is trustworthy and straightforward we surely need more men like him in trading world.
@jasonthomas2692 жыл бұрын
Good good content.
@abscottcoleman4002 жыл бұрын
Yes I'm a living testimony of Romero pieto his platform has also done a great thing for me.
@katlinmicheal81212 жыл бұрын
I've seen so many review about this man called Romero pieto who is he ?
@childofdestiny28113 жыл бұрын
Love this! Trying to get there with you, girl! Everything is paid off except for a gigantic student loan. Didn’t follow Dave Ramsey’s advice on this part. With a $200,000 student loan debt, I was not gonna dive in until I had at least $10,000 in my emergency savings. I just hit my goal, and I am excited to move forward to the next stage of my debt-free journey,. I will be following your channel the whole time!
@LifeAs_Kiki3 жыл бұрын
I honestly think you did the right thing. I saved $5k before paying off my student loan 💙 congrats to you!
@deonc826 ай бұрын
Great content. Congrats on your debt free & savings journey. Being debt free feels good. You look at life differently, your time differently and you can recognize debt slave activity easily
@peteroc43 жыл бұрын
I respect the honesty. Just had a 2 hour debate with my Mom on why I can't be an entrepreneur. I don't have enthusiasm to be self made at this point in my life.
@dbrown28903 жыл бұрын
I feel that .💯
@genxx27243 жыл бұрын
Not even one person in a thousand possesses those characteristics.
@Popoutrockout2 жыл бұрын
I had to live off 70 dollars spending money a week when I first moved to LA and I have kept that budget habit. Great video!!
@ngleigh183 жыл бұрын
Congrats on being debt-free!!! Becoming debt-free changed my wife and my relationship... but I definitely hear you with the "Now What" phase... especially when you have a 6-month fully-funded emergency fund!
@LifeAs_Kiki3 жыл бұрын
Yassss I’m so happy for you two ❤️❤️
@Inkironnrum2 жыл бұрын
Your wisdom is gold. I love my Discover card, too. I almost maxed it out in 2021. Because of my employment in healthcare, I decided to work less hours to protect me from the thing that is going around. On the flip side, I charged my Discover for gas and food. Lack of savings awareness was my downfall. Now I am on my personal journey to knock out my credit card debt. In 2020, I met a woman who was on that work all day everyday rampage then criticized me if I was not on that page with her. I simplified my living standards prior to meeting her, yet she looked down upon my life, comparing me to someone who doesn’t want to get anywhere in life. She completely missed the point…my point. Been binge watching your videos and love how much your content resonates with me. Stay strong. Stay stunning. Stay smart!
@elhimmelstein19133 жыл бұрын
The freedom of being debt free definitely changed my work and work schedule.
@mattc57913 жыл бұрын
I know exactly how you feel... After I paid my last debt, and no longer owed anyone ANY money, the feeling was 'weird'. It's very strange to not have any payments of any kind. I did as you did - I started paying myself and maintained the same lifestyle I adapted to while paying debt. But, the important thing is to be debt free, and you accomplished that... You deserve Congratulations! I followed Dave's plan, but I agree with you that it's now MY turn to take advantage of American Express. I pay my bill 100% every month and do use those 'free' points. I'll NEVER be in debt again, but I'm also going to use all of the 'opportunities' being debt free offers. Anyone can do it with focus, determination, and commitment... Outstanding Job!
@LifeAs_Kiki3 жыл бұрын
Thank you so much! I love my AMEX
@mattc57913 жыл бұрын
@@LifeAs_Kiki You are most welcome!
@Whoreallycares232 жыл бұрын
First time here and loving it. I am debt fre besides my student loans 😅. But I know I can tackle that in no time. I don’t want to own a home so I’m good in that part. I also love how you address being an entrepreneur. I thought I wanted that too when I tried I made money but it made me realize I’m just not pressed to hustle. All I want to do with my life is travel and that’s it. Nothing more and I’m well in my way to making that my actual life. I also hate customer service jobs, I was a manger at a retail store for two years, stressed me tf out!!
@Tara-ds3ji3 жыл бұрын
I feel good when I pay off some debt. Plus, I stop buying things that I don't need anymore🙌🏾
@CreamOfBeats3 жыл бұрын
Been debt free since 2008. Getting off that hamster wheel is the biggest relief I’ve ever gifted myself. I go to work feeling GREAT because I’m not going because I have to, I’m going because I finally see my bank account growing exponentially!
@qmakesithappen3 жыл бұрын
KZbin finally did something right by suggesting your video to me lol I felt every word you said and I completely agree! Becoming debt free truly gives you more freedom and the feeling takes a bit to settle in. It wasn't until I got about a month's worth of income that I felt it. I legit felt like I got a huge raise! Not owing anyone outside of your necessities is a mood. I really enjoyed this video and I appreciate you sharing your story and experiences, new sub 😊
@LifeAs_Kiki3 жыл бұрын
Thank you so much! 🥰
@qmakesithappen3 жыл бұрын
@@LifeAs_Kiki 🙏🏽🙏🏽🙏🏽
@meltluvsluxe9523 жыл бұрын
Subscribed as soon as you said debt free and entrepreneurship isn’t for you. I realized my level of networking does not match what is required of entrepreneurship. After I became debt free, I felt like I ‘lost my fire’ and started indulging in luxury a LOT! I look at home much I’ve spent and think of how good it would have looked in my account. My goal is to do better!
@LifeAs_Kiki3 жыл бұрын
Love this comment! I was thinking about looking into luxury as well! Glad you said that
@CazSantiago2 жыл бұрын
Thank you for this video. My husband and I got very serious about becoming debt free two years ago...literally riiiiiiiight before the pandemic hit. With diligence and dedication, and yes DR's Baby Steps, we paid off and almost 6-figures worth of consumer debt. It's been almost a year since we've been debt free and you are so right about not turning around and spending more money after becoming debt free. We have kept the same cash envelope budget we had when we were paying off the debt and the direct result has been have a very high savings rate and also the ability to invest. Nothing we can buy is worth the feeling of being debt free and more in control of where our hard earned money is going! Bravo to you!
@ladysparkle67843 жыл бұрын
I’m 100% debt free including my mortgage and like you said now what? Now I’m saving money for a new roof. I’m a nurse and after Covid I went down to a 2 day work week. I’m done working with the sick public.
@momof3littles3 жыл бұрын
You ri-i-ight! You are very transparent and eloquently communicate how to get through some pain points that come with becoming debt free. I'm in the process of purchasing a home again and I can appreciate you sharing your journey. Congrats to you!!
@cv84993 жыл бұрын
Congratulations! I'm very close to being debt-free for the first time in a long time. Feels great. And for those who have credit cards with high interest rates, instead of closing the account once you've paid it off, call the company and ask them to lower your interest rate. They're way more likely to do it once you've demonstrated a great payment history.
@LifeAs_Kiki3 жыл бұрын
Genius!
@LifeAs_Kiki3 жыл бұрын
I need to mention that in my next video
@ohitsamala3 жыл бұрын
your the first youtuber i know that simply doesn’t want to work to much save money be productive and not wanting to manage or become and entrepreneur…. like i literally thought i was crazy for just wanting a simple life like this too! thank you for making me feel like i’m not alone.
@1234IZM3 жыл бұрын
I became debt free this year. Started savings last year and it feels good. Just FYI -instead of just canceling your credit cards (and lowering your credit score), if you have a score of 700+, you can call your card's customer service and request a lower APR/interest rate at least once a year. You can also product change your credit card into something you will use/ no annual fee. Unless the card is a fee-harvesting card, I say keep it until it no longer affects your credit score.
@LifeAs_Kiki3 жыл бұрын
Yes! I’m so happy you all are telling me this. I will be sharing soon in my next video. Thank you 💙💙💙
@rcdriver1072 жыл бұрын
I love this video. I also enjoy the fact that one can increase spending by just a little bit after being all debt free. The very first priority is to pay off all debt first.
@Theevitalitymaven3 жыл бұрын
Congrats on becoming debt free! I became debt free Nov. 2020 and it's the best feeling in the world 💜
@LifeAs_Kiki3 жыл бұрын
Congrats! 💗
@nazikiwe82592 жыл бұрын
Thank u for your honesty and rawness. I share your views on work. I'm in baby step 2 and growing weary since it's taking years (I had 6 figure debt).. I broke the Ramsey credit card rule and got a cc that gives cash back. I needed to move apartments so it quickly raised my credit score (along with paying down debt). Because the Ramsey steps teach you a lot of discipline, I always pay it down and never charge anything I don't have cash for.
@coolbreeze2.0-mortemadfasc132 жыл бұрын
I am so proud of younger generations breaking these cycles of debt. I'm a Gen Xer (last year) and seeing millenials and Gen Z recognize the game early is wonderful.
@dachsymom52323 жыл бұрын
I love how you now KNOW yourself and are being true to you!
@dudurty06523 жыл бұрын
Absolutely love this channel. So glad it came across my recommended videos. Great content.
@LifeAs_Kiki3 жыл бұрын
Thank you! ❤️
@andyfam56132 жыл бұрын
Im almost there. Honestly idk why i was kinda sad that the journey was over but watching your video makes me look forward to the new journey
@akremsuadik53343 жыл бұрын
Amazing video. I went through what you went through and still going through the blissful struggles you are going through. Literally all your thoughts and your mentality is exactly how i feel and what I feel. Amazing Plus you are gorgeous! Keep striving!
@LifeAs_Kiki3 жыл бұрын
Thank you 🥰
@Tianainflow3 жыл бұрын
S/o to the KZbin algorithm for showing me your channel. Loving your personality and straightforwardness about the subject. I can’t wait to watch more subscribing for sure ❤️
@arnoldr41383 жыл бұрын
Just wanted to drop a comment and say congratulations on becoming debt free. I just became debt free myself and I know the feeling of financial freedom. People treat you different, with a little bit more respect when they see that you are fiscally responsible and have quite a few resources. Just one note, could you let people know that you don't have to get rid of your high interest rate credit cards they can just renegotiate their rate to a lower one. Thank you for sharing and educating. Future subscriber Arnold.
@LifeAs_Kiki3 жыл бұрын
Smart idea! I’ll mention that in my next video
@missmercedes97813 жыл бұрын
Yes ma’am ! I needed this video. I am trying to upgrade my life and become debt free. Congratulations 🥺🥳
@TrueGrit18813 жыл бұрын
Congrats, I know it was a grind but it was totally worth it! I became debt free because it provides me with options. The option to not have to tolerate intolerable people or situations.
@LifeAs_Kiki3 жыл бұрын
Agreed! Congrats to you as well!
@umichgal13 жыл бұрын
that part.
@naimahabdullah-gulley44053 жыл бұрын
You just gained a new subscriber. I'm also on my journey to paying off debt. I'm in the process of buying a home. Currently paying down my debt to income ratio.
@richlandzee86862 жыл бұрын
Good for you gurl! Feels great doesn't it? I remember when I first graduated from college at 26 with debt free with my parents help and I owe them. I bought a $18k brand new car 6 months into my first job. Felt great for the first few days then I freaked out. Interest was 6% back in the 90s so I was determined to pay off the car. I did it under 18 months with the 4 year loan. I never looked back since. Your next move is to set up 6-12 months of emergency funds so no matter what happens you will be ok. If your employer has a 401k plan with matching contributions, do it if you can as well. Its free money from them to help you get started in your future self. One downside for me is I started my career later than most at 27 so I'm making up for it. Now in my early 50s I have 7 figure retirement nest egg and i`m in a mad dash for the finish line. I started with zero. You are still young so you have time on your side. Go watch moneyguy on YT you will learn a few things from them. Good luck! 👍
@TyroneSweeney2 жыл бұрын
Being debt free ain't no joke, I've done it three times and got back in debt 3 three times. But this time I'm getting out for good, got some other things I want to do. But happy to hear of your success.
@Thekoreancouponer3 жыл бұрын
Me too as of Wednesday! Such a great feeling!!
@LifeAs_Kiki3 жыл бұрын
Yayyyy!!! ❤️❤️❤️
@myeshadapisces2 жыл бұрын
Hey I just came across this video. Back in 2018 I paid off 10,000.00 of credit card debt. God is Good!! Cut my hours at work to to part-time. Only credit card I use now is my debit card. I’m trying to stay away from using credit cards. Love your video so I subscribed. 🙏🏾
@LifeAs_Kiki2 жыл бұрын
Yayyy!!! Cheers to you!!!
@pickywolf27283 жыл бұрын
Trying to find my way to get out from the scam. Subbed. Keep it up. Freedom from anyone is everything !
@tlm36463 жыл бұрын
I am so proud of you. The scavengers will still hunt babygirl. Keep being TRUE TO YOURSELF.
@frakie3 жыл бұрын
Hi Queen, I am new to your channel and I'm enjoying your vibe and congratulations on achieving your goals. Great minds think alike towards being debt free, the journey is rough though at the end there is a greater appreciation for your time and space to afford anything you want with discipline. My expected goal to be debt free is in 2023 and I am absolutely ready to finish and build a legacy for the next generation and future family. Thank you for sharing your journey with us it's motivation to our ears so peace and blessings to you.
@LifeAs_Kiki3 жыл бұрын
Thank you so much and Please keep me posted 💚💚🧡👏🏽👏🏽
@frakie3 жыл бұрын
@@LifeAs_Kiki Yes ma'am I will ☺️
@iamtanyaterrell2 жыл бұрын
Love the advice. I just posted a video showing me making my last student loan payment and finally becoming debt free. Now my focus will primarily be on increasing savings.
@phillipferguson17983 жыл бұрын
Amazing you are debt free! Now you've got the option to invest in the stock market to build your wealth and let compound interest do the heavy lifting for you :)
@LifeAs_Kiki3 жыл бұрын
Definitely! 😊
@norman66943 жыл бұрын
Stock market is a scam,
@artemiscool673 жыл бұрын
@@norman6694 it's a scam you can easily take advantage of. It historically tracks upward, easiest method to grow your wealth longterm.
@Dangelo10000002 жыл бұрын
Congratulations. Great video. "Time Freedom Is The Absolute Best Freedom."
@AsiaCierraBudgets3 жыл бұрын
Its all mental paying off debt! This journey is amazing! New subbie! Congratulations!
@LifeAs_Kiki3 жыл бұрын
Thank you! 💗
@andrewbanks10763 жыл бұрын
I love seeing young people come to this belief!! You will be a HUGE success no matter how much you earn!!!!
@twizack223 жыл бұрын
I'm am so happy that you are crushing it. Sounds like you need new goals. Think of some ways to have your money work for you. Investing so you are getting paid dividends etc. Also paying off your mortgage is really going to liberate you. Then you could technically work any job to cover your basic needs.
@WayTruthLife02 жыл бұрын
Your video just popped up while while on YT. I'm on the debt free journey. Watching this video make me feel that I can do it. Thanks. New subscriber here.
@molife19913 жыл бұрын
This is a great video!! I'm on the DR plan, cannot wait to live DEBT FREE. I took away that I need to make a plan after becoming debt free and look forward to working less. THANKS. I SUBSCRIBED.
@LifeAs_Kiki3 жыл бұрын
Yay! Thank you! Keep me posted
@JMilansJourney3 жыл бұрын
Girl I truly love your videos! Your rawness and realness and your journey resonates with where I am in my life. That’s divine connection! 💗keep shining!
@jamariquewynn8782 жыл бұрын
I’m debt free, and I cash flowed my BBA and MBA. I bought my car cash. I have 6 month of emergencies saved up. I love your story. I am still so frugal as well.
@sabrinahardnett51843 жыл бұрын
Homes are debt, but you can house hack at any moment. You can also payoff your home in a shorter period of time if you get rid of all your debt. You can also sell your home in some cases and get every penny back and downsize. Everyones journey will be different. Amazing video! I'm very proud of you!
@BoodaSDavis3 жыл бұрын
Amazing debt free review, definitely borrowing some of your methods on my current journey. While also taking heed to your post debt free opinions & steps. Beautiful black ppl are pospering out here, love to see it!! Keep going queen!! Subscribed!!
@LifeAs_Kiki3 жыл бұрын
Thank you! ❤️
@dhenukarangam27992 жыл бұрын
Much better than many debt free videos i have seen and covers different topics 😊 your articulation is fab 😊
@xeniafindlay62492 жыл бұрын
This is making my anxiety so much smaller, thank you for this video! I’m currently paying off debts starting with the highest bill to the lowest and it’s hard but I’m almost there and it feels good to see those balances get lower and lower but it’s hard sacrificing everything else cause of my budget 😭
@LifeAs_Kiki2 жыл бұрын
You got this! ❤️
@rudygoofysrh2 жыл бұрын
Congratulations on becoming debt free!! That’s good. Good luck to you on your next endeavor!
@aross9243 жыл бұрын
I paid off my house last year. Kept going and just finished our rental home. It was fun. On another subject you are gorgeous. Good day
@LifeAs_Kiki3 жыл бұрын
Thank you 🥰 and congrats!
@masodadominique43462 жыл бұрын
Yes yes yes! Dave Ramsey gave me the kick and tools I needed to become debts free. Congratulations by the way 😊
@LifeAs_Kiki2 жыл бұрын
Thank you!
@chavonnidaharley93413 жыл бұрын
I am going to take care of my responsibilities but I will never take all my money and pay a bill. There is a professional mind in having some money saved. Pay your tithes, giving an offering, pay yourself and then pay your bills. Do that you will never be broke.
@dionagildon67543 жыл бұрын
I Do Agree tithes and offerings are very Important to me. And Then All My Bills are paid full never broke and I am just 6months from being Debt Free. And Have Money In Savings.
@Mr_Fairdale2 жыл бұрын
Idk why but I lol’d at the water break. I appreciate the edit ☺️