Is Debt Freedom Still Possible?

[@melissatamer9193]

Elizabeth and Bill, please lift me up in prayer. My husband of over 34 years filed for divorce in April and moved out last night. He has moved on over the past 2 years and I understand that God has different plans for me.

[@gwenvann7279]

I’m so sorry. I will also pray for you Melissa

[@LiveSimpleLiveFree]

Dear Jesus, bring her comfort and strength. Please, make sure she has loving, supportive people around her. Give her your strength to forgive and walk in the freedom that will bring for her. Guide her steps and bring the rest she needs and times of unexpected joy. Thank you, Lord. ❤️❤️

[@justinburch]

I'm really sorry. Its such a shock to your entire system and world view when the marriage is over. But I promise you, there is life on the other side and you will feel whole and happy again.

[@melissatamer9193]

@@justinburch Thank you. I have my church family that is helping walk through this. We have been living separate lives for a couple of years, the shock has come and slowly passing. I choose to lean into God.

[@patriciakoester1580]

Melissa I am praying for you too. I’ve been through divorce as well, but after 2 years I met the man that God sent to me that I had been praying for- 29 years this next January 8th. God will bless you, be open to what HE has in store for you. God Bless, Patricia

[@maryweddle4150]

I love your channel!!

[@juliebarnett9812]

I totally believe in debt freedom. I try to tell others how important it is, but many do not listen. They are addicted to debt and living beyond their needs.

[@janicew6222]

We also went thru a very tough time in the late 80's, husband was out of work for several months and we used credit cards to get thru the crisis. It took us a few years but we got out of all debt and have been debt free for 30 years. I just purchased a new car, paid cash for it. It really is the only way to live free.

[@Rose_P_D]

Yes, it’s very much possible. I paid off my mortgage this year and I am 100% debt free. Thank you Bill, Elizabeth, and Dave Ramsey. 💖

[@svelanikolova5776]

Yep

[@cuddlesanddaisy]

The ad that played before your video started is not one you would ever want on any of your videos.

[@LiveSimpleLiveFree]

We really wish we had any control over the ads! It’s often very frustrating! We’re not even allowed to watch them when it’s our own videos (so that we don’t generate our own ad revenue.)

[@sherribrink5664]

New listener. Love watching all your videos, but especially your debt free, financial tips, and living simply advise. Please continue these types of videos. ❤️

[@LiveSimpleLiveFree]

Welcome!

[@jeanlillie6830]

Thank you

[@dianehill4043]

Hello ~ it is so good for me to revisit your videos on debt freedom! We are so close to being debt free ( praying to have our house paid off in 6 months) 🙏🏻and boy do I need encouragement! Elizabeth, you bless my heart! I think of you and how frugal you are. I need that reminder! Thank you both for living simple and sharing what you have been through. God bless you both.

[@LiveSimpleLiveFree]

Congratulations. Stay the course - finish off that debt. It will ALL be worth it. You won't BELIEVE how FREE you will feel!!!

[@lisablake4237]

My bills are phone and rv and jeep insurance. I live full time in my RV, and I still work, so all of my paychecks are MINE. I don't owe credit cards, morgage/rent, electric, gas, or other BS. I am debt FREE.

[@bobmarker6812]

Lived that way all of my life. My only debt was a mortgage I paid off in 11 1/2 years. I've always lived HAPPILY below my means. I buy BASIC cars with cash that are 1 to 2 years old, then drive them until they're scrap. The piece of mind is priceless!

[@LiveSimpleLiveFree]

Yes, the peace of mind is priceless!!

[@iriskraubner1951]

Bill and Elizabeth, if people would only understand the freedom of being out of debt! Sacrificing a few years to have a lifetime of peace. It can be done easily but it takes hard work to be mortgage free and no debts. So glad we did it, and now we are a year retired and it feels wonderful. Still very careful, and budget while on pension. Do this while you are young for a lifetime of freedom! We did!!

[@LiveSimpleLiveFree]

Yup. I wish we had learned to be debt free 20 years before we did! We would be in a whole different place now if we had.

[@pobo6113]

I saw your seminar and I am working towards debt freedom. I recently have been considering taking out a loan for work on my property. I have been talking to God about this, and then you post this video. Thank you for doing God’s work and let the spirit work through you. Thank you and you be blessed.💕

[@rosasalas1437]

I want my husband to watch this he always talk he can't Afford it. Thk u .God bless you both .

[@thinkingofothers353]

♡♡ sending Hugs and Love my friends Elizabeth and Bill. ...GOD'S JOY..🙏.

[@margaretwallace6919]

I recently sold a condo for a really nice profit. I took that money and purchased a small manufactured home for cash! Your financial plan is exactly right.

[@LiveSimpleLiveFree]

That is awesome!

[@mandyjohnson8984]

I just found you 2 on u tube this week you are both God sent your Bible study finance and preparing is so wonderful. Wish I had known about yall years ago but trying to catch up on all your great wisdom love y'all

[@LiveSimpleLiveFree]

Welcome! 😀

[@Lindi1028]

It's so nice to hear about folks that did follow your plan and are now debt free or on their way. While I am blessed and don't have debt, mainly because I have followed your advice of not buying something unless paying for it with cash. Thank you both so much

[@OHlookSHINYthing]

We started budgeting about 12 years ago, and managed to get totally out of debt when we sold our house in 2014 and paid cash for a smaller one. We even allow ourselves an "allowance" that we can spend any way we want to...kinda like when we were kids and got an allowance. LOL It has made a WORLD of difference!! We've been able to buy a little 5-acre piece of forest last year, and it is so nice. We thought land would be a good investment and a fun place to use at the same time.

[@kscheuerman5378]

Thank you for your wonderful ongoing advice & encouragement

[@frankmichaudexprealtyofcan6652]

warms the heart ! we now just have mtg, car, and our little RV -- looking to get the car paid off next - it frees us a big chunk of cash to put into 1 of the other 2 bills [WHAT WE CALL THE SNOWBALL EFFECT {LOWEST INTEREST TO HIGHEST - OR LOWEST BILL TO HIGHEST - DEPENDS RIGHT ?}] , we just pd off a small credit card - YEAH ! - CARD DESTROYED = FREEDOM !

[@LiveSimpleLiveFree]

😊

[@rezyness]

I need to check it out

[@flatlandah52]

Welcome to Maine!! We’re having a lovely stretch of weather. My husband and I have been debt free for about a decade. It requires self discipline, but the feeling and peace of mind are so worth it.

[@bluestarhealingangels9162]

Ooo my God …God is so awesome when you put your trust & use your faith in agreement with each other God can make it possible! We sold our 5th wheel within 7 day it sold for the price we asked for then a month from that we sold some property we built a small 16 ft trailer then we sold our house all this happened within 90 days & within 60 days to follow we paid off all our debts..bought a smaller home & we are able to camp & do some local traveling it is so awesome we got our debt freedom going on 6 years we saw you years ago & ya all started talking about being debt free living & we put our trust in the Lord along with you 2 with the encouragement you give yes thanks to you 2 we got out of debt…God has blessed us we can afford food & have money to buy gas & do local camping yes all things are possible yes budget & living within reason we’re praying for the whole world to experience debt freedom & we’re hearing it’s possible as Nesara/ Gesara & the QFS God makes it possible no more credit cards cash only Thank you 🙏🏼 we enjoyed all your videos 😇💕👍🏻

[@LiveSimpleLiveFree]

Wow. That's amazing!

[@stacyhackney6100]

Thank you Bill and Elizabeth.

[@janej813]

When your outgo, exceeds your income, your upkeep, becomes your downfall. One of my husbands favorite sayings. Thank You, for sharing and congratulations to all, that are, and those that are becoming, debt free.

[@livingbyfaithwithbenji8909]

I LOVE Maine!

[@dannymcnally6211]

Rinse and repeat..

[@marinarivas3766]

Thanks to you Bill your advise and the worksheet you taught in your seminar, I am debt free and I never want to be tied to debt anymore. To feel free from debt it's the greatest feeling. God bless you and Elizabeth.

[@theoldfarmerswife5915]

61/2 years ago, I told my husband we could retire when we were totally out of debt & small amount in cash savings. I had been listening to Dave Ramsey for several years during my commute for work. I was trying to practice his advice by myself. The promise of retirement brought my husband on board. I was able to payoff $57,000 debt in under 15 months & put $$ into savings I refuse to go back into debt. I get quite upset when our financial advisor, tells us to take out a loan, instead of using our savings I’ll check out your series

[@LiveSimpleLiveFree]

Yeah, it only works when both spouses are in agreement about debt freedom. Congrats on being debt free!

[@eileenalholinna5310]

It’s great to be debt free!

[@seaside2001]

You certainly did it the hard way but got there in the end. I am grateful my decisions were different than yours over life, and did not have to go through the very hard and stressful times you faced and lived through. You learned the secret about debt and got there in the end. Congratulations.

[@nancywallace6489]

Now beth I went in dept for flower beds to grow food pay threw the fall I started now so I did save 300.00 on sale I have to build them up with wood and cardboard so excited

[@christigoodeating]

Thank you 😊

[@LW707]

My husband and I paid off both of our houses off when we were 47 & 48. We continue to make house payments to ourselves. My mother told me years ago, never jeopardize the roof over your head. No ELOC loans for us. We remodeled one of our houses cash only. It took us 2 years but was well worth it. We are now 60 & 61 and have been debt free for all those years. We have always bought brand new cars for cash. And…We keep them forever. Our children have purchased homes and don’t have credit card debt. We tried to set an example. When our oldest graduated from college(scholarship for baseball - no debt) he moved back in with us for a bit. We told him he could live with us with one stipulation he had to save $1000 a month and make double car payments. When he left he had over $15,000 saved and owned his vehicle out right. We live in California and it is affordable if you chose to live within your means. If you don’t nowhere is affordable. Meal planning also saves a lot of money. Growing fruit and vegetables can be done just about anywhere. Love the comment, rich people live like they’re poor. Poor people live like they’re rich. That hits the nail on the head.

[@DG20556]

We became debt and mortgage free in December 2021, and it is a very good feeling!

[@janfreyburgher6129]

Thank You !!

[@meandthemrs7403]

Now wait a second. I just saw you helping Barry in his video yesterday. You had to be speeding to get to Maine so fast. :)

[@LiveSimpleLiveFree]

Our videos and Barry's videos are both at least a week or more behind "real time."

[@meandthemrs7403]

@@LiveSimpleLiveFree I see.

[@lovenotes5299]

It is still possible to get out of debt! I paid off college debt! I got out from under a mortage 20 yrs ago and brought in cash with no mortage,.I then paid off my mothers mortage. But my job had been under paying taxes for yrs and never rectified it, i always owed and couldn't live off little wages and pay it- my pension has me paying taxes in 2 states . I just looked at my statement , i have paid off $8,000, i still have like $6,000 (from $14,000). Thank God

[@ouvickie]

I’ve been following the debt freedom plan over the past 3-4 years. I had, also, watched your series and have been following your channel for several years. I really enjoy it! We sold an acreage this past Spring and used that money to pay-off our mortgage. I’d been using the snowball plan on other debt and was able to pay off credit cards. Working on paying off vehicles now. Paying off debt really works and it’s so encouraging to have that freedom. Blessings to you both!

[@jonathanjacques7250]

Great advice, no debt has made it so I can retire at 59.

[@margaretwallace6919]

One thing I didn’t share with you, is that I filed for Social Security when I was 66. I was still working, so I took my SS check each month and paid it on my car. When I retired at 68, my car was paid off! It’s a 2016, and I’m 73, so I think it will be my last car! Lol!

[@nancywood8705]

REMEMBER, JUST SAY NO TO YOURSELF.

[@LiveSimpleLiveFree]

It does take discipline.

[@beezhomestead6576]

So wonderful to know there are people spreading this message, it’s very important. Pass it down to your children, Grandchildren. Blessings, 😊💕🙏🏻🇨🇦

[@dsstewbaby9]

👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾

[@bessieoriotis5104]

If there was ever a time that it was if my dad was teaching me money management again it's now listening to you on this video. I really believe in these concepts. I have been called a cheap skate from my second son, but my oldest lives by what I just heard you two say and he is in a much better financial position. Thank you for this video.

[@jeanblythe1595]

Thank you for showing us how

[@LiveSimpleLiveFree]

❤️👍🏼

[@whyuneedtoknow]

I am also living completely debt free. I recently also made a huge life change - moving from GA to ME (where you are filming this video - how cool is that?!?) - only taking what could fit in my car. I knew no one up here and had no job - but it has all worked out for me so far. I'm looking to purchase a house but will be paying cash because I have the funds from the sale of my GA home. Having no debt is a wonderful thing and it's achievable by anyone at any financial status. It's hard for folks to believe that an extra few dollars toward a bill really helps pay it down faster but it's true. Just be consistent and don't give up.

[@enascott5963]

Hospital stays, meds . Living on less than $1900.00 a month. Inflation is killing me!

[@LiveSimpleLiveFree]

Inflation is killing all of us!

[@brendahaire8824]

Enjoy your time with your dad. Bill be safe driving back

[@Peachy08]

Most important thing is self discipline.

[@LiveSimpleLiveFree]

Yes!

[@bosse641]

Very wise.

[@kristyearl7684]

Thank you for this video! It gives me the inspiration to start on our debt free journey! Oh and Elizabeth...I LOVE your shirt!! :)

[@jhankri]

I was in debt bondage too and the freedom of a no debt life is the best thing. I kept a spending journal and that gave me insight into where my money went. I had to change my thinking about what I bought, why I bought and want versus need. Freeing up your money that goes to paying debt gives you money to save and pay cash. Changing your thinking will simplify your relationship with money and change your spending habits. I'm going to watch the course just to reinforce my debt free life and learn any other helpful money concepts. Becoming debt free has blessed my life in so many ways.

[@LiveSimpleLiveFree]

😊👍

[@GlenS123]

Yes you can get out of debt! It may look bleak now, but there is a light at the end of the tunnel. Hunker down, stop living for today, hug your family, pray. You can get there, you will never go back, the freedom is INCREDIBLE!

[@5thdimension625]

We’ve been semi minimalists and have always lived debt free. More and more are seeking debt freedom. I’m grateful with all the mistakes I’ve made in my life, debt never became part of it. We both retired with plenty at ages 55 and 56. We’re now 60. We travel and buy what we want but enjoy living frugally. There’s a lot of power in these choices. A must read is: The Creature from Jekyll Island. It’ll totally change your opinion about debt and the corrupt FED.

[@debbiegilbert1961]

Thanks for all you 2 do to help people see how possible and freeing the debt free life is❤️👏👍

[@Randy8923]

Thank you for teaching others, This is so important. I only have my rent , utilities, car insurance and cell phone/internet. No other bills. I live very low income due to illness but live well and thank God for everything I have. My car is 22 years old, Lol. But I must mention that I became ill young having two strokes and I raised my two sons with sole custody alone so I was ill with a 14 year old and I sold everything of value and we started over but very simply without debt. That was 10 years ago now. I can pay my bills and sleep good at night knowing we are ok. God bless you both 🙏.

[@joyg8904]

I think people are worried about trying to prepare for this supposed food shortage, blackouts etc. and still pay off debt. But, all things are possible with GOD!

[@lynnsteiner1580]

Debt free is like no other feeling. For us it means freedom and a worry free life.

[@carriejones9890]

Watched your video when you released it. Persuaded my hubby to follow your advice. We are now debt free except our mortgage and were working on that now and paying down a huge chunk of our mortgage this month! Yay!

[@mimiso2522]

Me again: We are remodeling a 1964 ranch (for the last 13 years) . We began our debt free path by saying this 5 word phrase when we were tempted to buy new. When were in the store , we would look at each and say "Is it on the list". Just those 5 words broke us out of the mindset we were in at the time. By waiting for a sale or buying used we have done all the renovations and still maintain a comfortable retirement savings..

[@LiveSimpleLiveFree]

Good advice!

[@stephaniecarignan2658]

Welcome to Maine:) Enjoy your time with family and the rest! You deserve it!!!!

[@christinahenry9569]

I am always telling people to come to your online seminar on getting out of debt because it works.

[@Atalanta571]

I'm 65 and living in a 30 year old single wide in a park. 600.00 lot rent. How can I get out into a site built home? Real estate is outrageous. No savings. And that 3k car has cost me an extra 6k in repairs. Should be debit free in less than a year

[@loro3849]

My husband & I became debt free in 2011. AND we were able to assist our son in obtaining his degree with no debt. It makes these scary times a little less so. We now have savings. My husband bought his dream car with cash.

[@mildredbc5425]

Thank you for sharing!🏡💕

[@Boomhauer69]

I've learned that it's good find something you love to do as career. Cause that will also help make things alot easier when working off debt and be less stressful. I myself discovered that I like doing KZbin . So I personally been working on building a KZbin channel. I did a video about a church on my channel called my goal of helping. That been trying get viral. So could help my church out and give them the funds repair the hundred year old church. I enjoyed watching your videos definitely learned alot even if I didn't realize it. I do like how you two share your Journey. Wish both of you well. Thanks for video definitely helped me out.

[@hannahrosa5485]

Yes. You are inspirational. I only owe about $500. which will be paid off next month. I just stopped buying on my cards and the amount owing went down and down. I have no mortgage, haven't had for 15 years.

[@beckyshell4649]

People look at a frugal lifestyle and think that it is a life of being deprived and doing without. Nothing could be farther from the truth it is getting the most of your money and making every penny count. It means small problems are nothing and medium problems are small and large problems are manageable. You can use the money for "fun" things but it has to be intentional and not a case of I don't know where it went.

[@LiveSimpleLiveFree]

You are absolutely correct!

[@belindamohar]

64 and debt free living simple will get you debt free.

[@aquietlife4285]

We found your channel a couple of years ago and it has been a great encouragement to us. We have been on the debt-free journey for awhile now and every time I would feel bogged-down, making no progress, I would pop over to your channel and watch some videos for encouragement. After years of paying off debt, a second mortgage, paying for cars/weddings/house improvements as we make the extra money- we will have our mortgage paid off in December! It took us years to get in debt and years to get out. But we will have a great pay raise starting in January because we have been living on 40% of our income (and lots and lots of side/handy man jobs) and 60% going toward our mortgage. We've been doing this since 2019. Every time we would get something paid we would take that money and put it toward the next debt. Next year, we are going to invest more in retirement, SAVE more, GIVE more and we are going to start a side business (pay as we go!) on our property! We are 52 and 53, married 34 years. in August the last of 3 children will be married and goodness we are so excited to see how God leads us these next years of our life! We are so excited to finally live SIMPLE and live FREE! Thank you for all the encouragement! - Grace upon grace!- Nick and Starla

[@LiveSimpleLiveFree]

That's so exciting!

[@kathymclain2632]

I’m just preparing to start the program. Thank you!

[@LiveSimpleLiveFree]

You got this!

[@justmealways3884]

Good Morning !!!! You two are truely an example of a Phoenix that rose out of the 2008 ashes

[@LiveSimpleLiveFree]

😎

[@karend801]

My husband and I are 65 and have been following your debt free program since we seen in on utube! We payed off our van early and now working on our mortgage, thanks so much you 2 for helping others!! We watch you all the time and also Barry! God bless 🙏 😊

[@LiveSimpleLiveFree]

That is awesome!

[@darlenevjohnson5237]

I only have $900 left to pay! Woo Ho0!

[@LiveSimpleLiveFree]

Woo Hoo! 😁👍

[@lisab.1559]

We Sold our expensive house we built and are renting a trailer 2 hours of where we once lived. We carry heavy debt due to us adopting a lot of kids. The sale of the home paid off a lot of debt, but still we carry more. We really want to minimize and pay off all our remaining debts before building another home BUT our circumstances are not like most, we NEED a well built sturdy home that can deal with a large family who homeschool's fulltime and where every adult worker in our home works online fulltime. Our kids with major trauma backgrounds need stability and permanency too. We bought land and are considering mobile or modular as cheaper alternatives but are afraid with the quality being so low that with our family size it would be money lost longterm. Hubby and I are in our 50s with little for retirement and another adoption pending which requires a home from the international country to continue adopting our son. As Christian people with a hubby having a high income we could have had an easy life, no debt, but adopting kids is our priority but it's very expensive. We know it's the choice we made, but still we want to do something different but are at a loss of what to do. Since our son is stuck in China since 2020, our adoption preapproval paperwork runs out 11 months from now, we wait to get a home and we have to renew paperwork, again next year and we live in a mobile we will likely be denied by China to adopt him. We moved out of our last home due to neighbors severely harassing and discriminating against us due to us being Christian and an adoptive family so we had to move due to their criminal behavior towards us. We had hoped to finish this adoption and then make the move regardless but due to Covid and Asians being hated on we were forced to move sooner as my kids were terrified to be there. Our circumstances are super complicated and highly unusual but really are struggling on what to do.

[@LiveSimpleLiveFree]

I pray that Jesus works in mighty power in your family. I’m glad He is the God of the impossible!

[@lisab.1559]

@@LiveSimpleLiveFree Thanks! We had a super low payment at our heautful brand new home in a gorgeous subdivision we built back in 2014. It felt so upsetting to take my kids out of this home they loved and NEEDED but due to our entire neighborhood stalking and terrorizing us day and night we had to leave. It was so bad my 23 year old Pastor son who still lives at home was getting sick from it. He is an incredibly strong person but they went after him the most. We tried everything to work things out, but the more kind we became the more their criminal behavior worsened and they as a community ganged up on us. I wish I can say we did something wrong, we didn't. , I sit here thinking, with current prices what they are we may never get another house again. If we sign up for a way smaller version of what we once had we are looking at doubling our old mortgage. We did buy land with proceeds from our old house for us and our son who plans to live next door longterm and its private land which is great, but are finding it hard to get something in ourvpr8ce range that will fit a family our size. We can build a metal home and my hubby could build it if need be, but it's hard to finance that.

[@NanaMom104A]

We were not completely out of debt but our bills were a lot lower and in less than 2 years we would have been out of debt completely other than regular monthly rent, utility bills and life insurance. Then I got really sick and had to have many tests and be hospitalized. I have health insurance but still owe alot of medical bills because of this illness. Now we are at least 4 to 5 years away from being debt free. It has really been a downer that I know that even with insurance I cannot afford to get sick.

[@LiveSimpleLiveFree]

So sorry to hear that! Unfortunately, debt related to illness is the one debt that we have no control over. The only hope there is that once you're are debt free again, you will have the ability in the future to save and have a larger amount "stashed away" for future emergencies, including doctor bills.

[@NanaMom104A]

@@LiveSimpleLiveFree I hope so.

[@rizpahjael1]

@@LiveSimpleLiveFree I'm glad you mention that debt related to healthcare isn't something we can always control. I feel it's important to come from a place of compassion, rather than judgement--besides the scriptures telling us that we will be judged the way we judge others (sobering thought!)--its just good to remember we just don't know, unless we're in someone's shoes, eh? Thank you for such good videos, and showing kindnesses as Jesus would. 💜

[@SueBHoney-cq8co]

My debt is medical also.

[@NanaMom104A]

I have went for years not going to the doctors except to to get my prescriptions renewed. I refused to go no matter how bad I felt. Even if I had a seizure or when I had Covid. But this time I was vomiting blood and my husband and children insisted so I went. It made me feel so much better but I am disappointed about the amount of debt we accumulated over it. We are paying every extra dollar we get on those bills.

[@elainelameman3870]

Warren Buffett

[@robparham1300]

I have been watching Dave Ramsey for several years. I was finally able to retire from my full-time job since I paid off all my debt except for my mortgage and able to work from home part time. After watching all your videos you have inspired me to sell my house. Prices are through the roof right now. I am 53 years old single and downsizing from My 3000 ft² house. I am going to buy a new fifth wheel and pay cash for it, and live in it full-time until I can save up enough money to pay cash for another house. Thank you for all your inspirations on tiny home living, and all the encouragement that you have provided. Living with all this stuff does not make sense anymore. I will be so happy to be free from a mortgage and be able to do things I want to do with my own money. Thank you again and God bless you both.

[@LiveSimpleLiveFree]

Yes, downsizing is one very valid option to help get debt free. Sell a big house that still has a mortgage and buy a smaller one for cash! Or live cheaply in an RV so you can finish saving what you need to buy a house cash. Excellent!

[@michelleraney3577]

Please don't buy a new fifth wheel or you will regret it. Buy a nice used one at half the price or less. Good luck on your journey!

[@alyssa7464]

I really love Your content. I’ve been watching your channel for A long time now. And just the way you both speak is very calming and comforting I appreciate all the content you put out and I hope you’re both blessed you’re a blessing to many people thank you so much for what you do.🙏🏻 Keep up the good work I love the positive messages you share☀️❤️☀️

[@LiveSimpleLiveFree]

Thank you. 😀

[@TheUGFUGF]

The issue you had with those rentals (like others) is when you say "We owned 5 houses" You never really owned them you owed so much on them that you lost them. If you actually owned them you would have not lost them. When your rental income is only a few dollars more than your mortgage you will lose that house.

[@25is27]

I m not poor because of living beyond my means. It is insulting to suggest this! I am poor because I became ill. I am poor solely due to illness. I lived a frugal, working life until then.

[@LiveSimpleLiveFree]

We certainly understand! That’s why we said we’re not talking about people who are genuinely struggling financially, but only those who end up strapped because they overspend, then rely on credit which gets them deeper into a financial hole. I know what it’s like to have huge medical bills and no longer be able to work! I lost a career I loved in moments. I never expected a stroke. I’m sorry things have been so tough. We apologize if we hurt you. ❤️ (Elizabeth)

[@25is27]

@@LiveSimpleLiveFree Please accept my apologies. I have been treated and seen as a nobody since i became ill and poor. I get defensive too easily. My apologies.

[@carolparizon4900]

I read Millionaire next door & it really had an impact on me as it did you. I've read it several times since. My husband & I are retired & have lived our lives debt free & mortgage free. We also flipped a few houses & owned several rentals which we'll never do again. It's important to mention if spouses aren't on the same page financially, 1 spender, 1 saver, it will be hard going. Seen alot of marriages go under for that reason. Keep up the great videos!

[@justinburch]

That was me 35 years ago. Spouse who thought she should spend as much as she wanted and as the man it was my job to find the money. I would be struggling to find money to pay for my gas to work and I'd come home and find out she's bought a half dozen very high end designer hoodies, more than I made in a week, for the teen boys. Then I was the big meanie for refusing to let them keep the designer clothes. It was a long and messy ten year divorce but eventually she did learn she could only get so much money out of me. My present wife is more frugal than I am. I can't tell you how much better life is when you live within your means.

[@LiveSimpleLiveFree]

And when you have a spouse who is on the same page as you regarding debt!

[@enascott5963]

What kind of plan could I have? On social security only, been fighting cancer, 2 different kinds, surgeries

[@amma3536]

Take care and be blessed.

[@carlaifera5254]

Besides being debt-free ....maintain a balance platform in checking account that covers all automatic withdraws for annual/bi-annual/quarterly/monthly payments for a full year .... my platform is $2000 .... (actual payments total $1500, but like to cushion balance for peace of mind )..... careful planning and spending choices helped minimize budget to this place.

[@scmom8195]

best lesson to be debt-free, have parents who lived through the great depression.

[@spicynomad]

yes, i agree with you. after university i didnt have the typical support from parents like other kids have so i ha to be homeless for a little bit. forbearance understood. when i got myself settled i started paying back. it wasnt easy. i ate rice and beans. i dont have children, and i live in a large city so i didnt need a car. i meed older well established people and they still have student loans. they have children, grandchildren cars homes and all the other trappings. its possible to be debt free you just have to like rice and beans, lol.

[@oldman3440]

I am 75 years old and have not had a car or house payment since 2002.I still owe 900.00 per month for home and car Ins. and taxes,phone and internet bill plus utility bill.

[@LiveSimpleLiveFree]

Congrats on being debt free! Those other things you mention are expenses, not debts, and can never be paid off because they reoccur every month, or every year.

[@sueupham2519]

Seniors be encouraged,,,

[@fourdayhomestead2839]

I'm trying to do a sort of Ramsey plan. Steps, but leaving the save for college part.

[@1amayrene]

I saw your eliminate death series. I wrote down the headers and figure it out like you suggested. As of date today except for mortgage, my debts paid off including my cars. I might have had my mortgage a little closer to being paid off but I used money to up keep the outside of the house, driveway and things like that.

[@nessabridge5019]

News flash! Yes it’s possible! Almost there. Only 6 more months and that is the last bill. Debt free, yippee

[@LiveSimpleLiveFree]

Congratulations!

[@anns8893]

I had that book " The Millionaire Next Door". Absolutely wonderful 📚 read. I hope I find it again to reread. We moved years ago and haven't found it yet. Thanks for sharing 👍.

[@maryrenaud6732]

Great advice and goes against the common narrative that buying on credit is a painless easy process…when in fact it creates slaves to debt. We too are a debt free senior couple, 67 and 71 years old. We still spend, but now we pay for it in full. So folks need to understand that debt freedom means you can spend whatever you want on whatever you need or want, as long as it is within your means and budget. I also want to mention the lack of debt allows us to fully tithe without worrying if we can afford it. God blesses us with abundance when we tithe to his church, it is truly amazing. Thanks for all you do.

[@LiveSimpleLiveFree]

Debt is a tool of the enemy to bind up the finances of the church because so many Christians are so far in debt that they cannot tithe.

[@maryrenaud6732]

@@LiveSimpleLiveFree Amen! There are also Christians saying the old Testament tithe was for produce, so you don’t need to give of your income. More of the enemy’s lies so God’s churches will struggle or fail.

[@teresabrockett7525]

Very encouraging video, thank you! Planning to watch and learn.😊 I must say I laughed out loud when Bill mentioned Dana's squirrels. As one of her friends, I know how much she dislikes them, and I tease her regularly. 🤪 It was wonderful seeing you at breakfast the other day and may God continue to bless you both. 🙏 💕

[@LiveSimpleLiveFree]

It was so great to see you! I’m glad your family is in my family’s life! Be blessed! Sending a big hug! 🥰

[@davydoodledo]

Welcome to Maine. the way life should be..... Thanks for speaking truth to power. The blessings will only be fully realized in heaven.

[@believe8042]

Thank you… and would you show the property, it looks so lovely

[@LiveSimpleLiveFree]

Show the property? What, of Elizabeth's sister's house here in Maine? So, no. She is not comfortable with that. This is the only video we will be doing from here.

[@brendafournier1863]

Welcome to Maine