MY 2023 FINANCIAL GOALS & how I'm going to achieve them

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[@carolyndalton7775]

I am older and of my goals is to preplan ad pay for our funerals. It will be a great burden off of the person who has to plan them, be it a spouse or our daughter. I think this is a necessary, even though most people don’t want to think about it. We purchased our burial plots 2 years ago. This year I would like to purchase our Monuments. We do have some life insurance that would pay most of the burial expenses expenses.

[@nedtechgirl]

Should think about donating your body to science ❤

[@hsoderberg6505]

@@nedtechgirl you still get the body back for burial

[@nedtechgirl]

@@hsoderberg6505 typically they'll provide cremation

[@nedtechgirl]

@@sherixxn1420 whatever that's the problem with western society that they view death the way they do...be pragmatic not emotional

[@rebalove]

That's a beautiful goal/sentiment.

[@julia.md2b707]

Naturally I’ll so frugal that I deny myself living to the fullest. This year I decided to start spending money on experiences and it has truly made me so much happier. I started actually using my vacations sinking funds, my partner and I each opened a travel credit card. I learned that spending money on your relationships is so much more valuable than having sinking funds that I’m afraid to use.

[@CarterSullivan]

THIS THIS THIS! Spending money on your relationship & experiences is the most valuable thing ever ♥️✨

[@potato1084]

Sameee!! It’s such a weird problem that most people can’t relate to. I’ve definitely stopped caring as much though. I feel like saving 50-60% of my salary is more than enough and I don’t need to go further or sacrifice things to save 😭😭

[@care2998]

I loved this!! I’m still in the process of healing my relationship with money. Some of my goals for 2023 are; - Spend less on wants - Start saving for an apartment - Set up an emergency fund

[@CarterSullivan]

WOOHOO you got this!

[@mariam.abouzied]

Thanks for the inspo!! Some of my big 2023 financial goals: -max out my ROTHIRA at $6,500 -take my sister on a trip to Italy -help my parents put my siblings through college

[@MsSamhoffman]

I've chosen my theme for 2023, and it's an improvement. I want to improve my finances, improve my health, improve how I spend my time, and overall improve myself because it's something I have been lacking for multiple years. My main two money goals of mine are to save 20% of my monthly income and pay off my highest-interest loan from university (a loan with a 14% interest rate 😨).

[@linal3489]

The word I chose for 2023 is "Restoration." This year i experienced many losses due to my poor choices. I spent thousands and thousands of money playing slot machines! I believe God can restore what I've lost this year.

[@kendanhill]

14% dang! I hope you achieve those goals!

[@MsSamhoffman]

@@kendanhill I know! I was like "whoa" especially since my other university loans have been about 4%

[@sandramish2229]

Thanks for sharing awesome tips sis! I’m financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It’s great to start young too!

[@gracedaniels6172]

Hello I'm 40 working on my retirement fund too. What do you think is the best target for retirement?

[@eiraantoinette6793]

A lot of people find having a couch /financial advisor a luxury

[@sandramish2229]

@@gracedaniels6172 personally I think 1m is the goal to overcome inflation and having them in an inv estment p ortfolio is a perfect plan. I'm half way to my goal 😊

[@sandramish2229]

@@eiraantoinette6793 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey

[@marcosalvatore673]

I'm trying to read books about finance, budgeting and saving. Looking at having a good financial advisor. Can you recommend?

[@-AtomsPhere-]

Ive watched a lot of videos like this, and I rarely ever comment on them, but this video really inspired me! As someone who up till my 30’s hasn’t been very money conscious, and who’s friend don’t really help me be more mindful, videos like this are so helpful! Just listening to someone who is smart about money is like having a good friend encouraging me to achieve my financial goals.

[@CarterSullivan]

You got this!!

[@sierra8330]

You are darling and I love hearing how you’re doing all this. I wish I had your channel when I was in my 20s! Man, the things I am still learning and I’m 41 and have 2 kids. I would do so much differently. Never too late though. Thanks for the inspiration!!! My biggest financial goal this coming year is to be a more mindful spender and stop impulse buying, and to track my spending consistently. We used YNAB a lot over the years and it’s time to start saving for a house.

[@MiriLikesYoutubing]

Hey Carter, I just completed my 2022/ life goal of buying my own place!! I have financial goals that I look at every 3 months with a reminder on my phone. I write down ‘actions taken’ in that last 3 month period and then ‘goals’ for the next 3 months which works pretty well for me

[@CarterSullivan]

Wow that's amazing, congratulations!!

[@MiriLikesYoutubing]

@@CarterSullivan thanks!

[@tuckermay2597]

I'm an independent contractor and I pay myself every 2 weeks like I would with a "normal" job and it's been much better for me! A lot easier to budget with the same amount coming into my personal accounts every month. I pay my taxes out of my business accounts so whatever gets deposited into my personal accounts is 100% mine for expenses/savings

[@JoyAshWood]

This was so helpful in me deciding my own goals! My main goals for this year are to purchase my first car, set up an emergency fund, and save more consistently

[@kira5612]

This video came at such a perfect time for me 😊! I’m actually in the middle of making coffee and doing a yearly reset. My main goal for 2023 is to pay off the last of my medical bills and set up my emergency fund again. Another goal which I think is my most importantly just overall is to be kinder to myself. This year I had a lot of extreme goals and was struggling post pandemic. I was able to get a full time job at my local library, but I never took any time to be proud of myself or take care of mysel ( sleeping, eating enough etc) so toward the end of this year I started prioritizing my mental health and investing in weekly therapy and managing my ocd diagnosis etc. lol all that to say a big 2023 goal for my is to be fair to myself with the goals I set and also work on not being ashamed for being in a lower income etc. thanks for sharing such great advice it was definitely something I needed to help me organize myself this morning ❤

[@CarterSullivan]

PS my 2023 reset will be up tomorrow!!

[@mariksenich3491]

You can do this, great goals and right priorities ❤

[@sierra8330]

Same!! Perfect timing for me too!

[@morethanhair388]

Thank you for this video. Me and my hubby are 21/22 and no kids, but this year was a difficult one financially especially with all the new changes in our lives. I’m big on budgeting and saving up for my future self so this really motivated me to reflect on my unecessary expenses, to live a more minimalist life.❤

[@lenahuynh2519]

I recently got my first big boy job this summer and thank you so much for inspiring me and teaching me how to budget and plan for my future ❤

[@CarterSullivan]

So proud!!!

[@hbcbvdo]

I'm going to try and do a no spend year for 2023. That doesn't mean I will spend nothing, but that I won't buy impulsively, or get things that I don't need. Been gearing up for this over the last year and I'm strangely excited to hoard cash like a dragon in 2023 lol.

[@CarterSullivan]

Hahaha I love your excitement on this, love that for you!!

[@tiffanytate5920]

Such an inspiration - thank you for the ideas and for being so transparent with us. Can't wait to see your continued success in 2023!

[@superiorstateofmind]

I love your financial goals for 2023, and great idea of taking an owner's draw from your business. You've earned it! I love Disney so I say get the Disney timeshare lol prices are only going up on real estate across the board. And praying all goes well during your raise conversation!

[@CarterSullivan]

I already "pay" myself all the money I make on here but I just need to do it in a more official payroll way lol😂

[@findinglauren8466]

Recently discovered your channel and love watching your videos! 2023 will be the year I pay off my spending debt from when I was in my early 20s (I'm 27) so my only financial goals are to save a 3 month emergency fund and work on my money mindset.

[@CarterSullivan]

You got this!

[@emmalee793]

these videos have been so incredibly helpful as a young person still in school and working part time trying to figure out how to be in charge of my finances!!

[@CarterSullivan]

I'm so glad! You got this girl!!!

[@amandah.6042]

My husband and I had a small wedding in June 2021. We got married in front of the rocky mountains with our parents, sibs, and our best friends. 13 people total. We only spent $7k on the wedding and a 2 week honeymoon. I say only because most people spend more. My parents wanted to contribute and paid for our flowers. Very unexpected and grateful. We cut our cake and had drinks back at our cabin that night. No reception. The next day we rented a boat and spent the day with all our guests on the lake. We would not change a thing.

[@TheImperfectReader]

I love how you said setting my future self for success.

[@noelle8301]

I love Disney! I recently moved to FL last year and it’s amazing to be closer to Disney! Not sure where you live but it could be a good idea to buy a place in Orlando then use it when you are at Disney and you could rent it out the other part of the year. My financial goals: Pay down CC debt Pay off the car

[@CarterSullivan]

We live in Canada so we sadly can't buy a place in the US!

[@SakuraGirl10001]

i was just going to start planning for 2023 on Notion and then I saw you uploaded! Best video to watch along while setting goals!!

[@CarterSullivan]

Yay! Hope you enjoy it♥️

[@karlosm2730]

My main goal is to save up to start my FHSA with a bang...if it become reality. If not, then I will top off my TFSA and RRSP. I also hope to stay debt free for 2023.

[@MrRKWRIGHT]

Good Wednesday morning Carter. Excellent video. Thanks for sharing. Your financial planning skills are impeccable. I'm looking forward to retiring in 2023 and I most certainly appreciate your advice.

[@ealn99]

I am starting to work fulltime in April for the first time after my graduation. Planning to save 10000€ (same as US-Dollars). 5000 for a down payment for my new car and a few thousand for traveling and renovation. :) I love how organizdd you are

[@akcashmer]

Your videos are so inspirational and really push me to be more mindful about my own financial decisions! I haven't officialy sat down and mapped out my financial goals for 2023, but the main one I'm toying with at the moment is to implement a question before every on-necesity purchase. For example, I work at a clothing store and find that I impulse buy pretty frequently and it's really effecting my ability to achieve other financial goals. I want to start asking myself "would future me thank current me for this purchase" and really take a moment to evaluate if it is a wise purchase or not.

[@kendanhill]

such a big difference in do I need it or just want it? we actually need very little but we want a lot! I'm guilty as well

[@christineee444]

Yessss would love to see separate business and personal tracking expenses videos!

[@lexi6115]

DVC member here! Have been for over 10 years! 10/10 recommend, feel free to DM with questions, as it’s a lot to consider and lots of clauses - especially in the last 3-5 years the program has changed a lot. :)

[@CarterSullivan]

Thanks for this!!! We're hoping to buy resale but will reach out if we have any Q's!

[@daniellephillips9708]

I've been thinking about my 2023 goals and I'm excited. Paying off my debt $23k that includes student loans for my daughter. Next a fully funded emergency fund. Maxing out my retirement which right now I have zero (I'm 54)

[@journeytofinancialfreedom6143]

Really motivational video, going to get my goals ready for 2023 and hopefully smash it, good luck with yours! :)

[@CarterSullivan]

You got this! Thanks so much!

[@KrystalNicole]

You really inspire me. Thank you for your transparency and for discussing a taboo subject

[@CarterSullivan]

That's what I'm here for 🤍✨💰

[@cjerrett23]

Loved the video!! Financial goals are something I have really been focusing on since graduating college earlier this year. In 2022 I was able to open my first credit card, and pay off all my student loans. Some of my 2023 goals are to increase my credit score so that it is in the 800's, save money for a trip to Europe, and to save some money for a down payment on a house!

[@CarterSullivan]

Thanks for sharing!!

[@rebekkaroe]

Loved this video! Thank you for sharing 😊 I'm also a big fan of writing down my goals in my planner/notebook and breaking them down into smaller steps.

[@karinafarrell6035]

I just discovered your channel over the summer so I didn't know you had gotten into your financial journey due to 10K of consumerism debt. The same thing happened with me and my husband and we just paid off our last $2,400 today! We made some big decisions this year that allowed us to pay it off within 6 months. Your guidance and monthly planning routines really helped me stay focused and on track. I also downloaded the budget template you use and that has been a game changer! For 2022 our next goal is to bulk up our emergency fund! I want $12K in a high yield savings account and then I think we're going to put the rest in a brokerage account to help fight inflation. Love your channel and LOVE these vidoes!

[@karinafarrell6035]

Also a video idea: Sharing your financial journey! :)

[@CarterSullivan]

YUP!! I was a reckless spender in college who didn't know how to budget... no shame honestly it kickstarted this awesome financial journey for me!!!!

[@torischerle]

I made a very conprehensibe budget sheet that I love!! But I find myself just using to input my spending and looking at what I spent after that fact, where my goal (started in December) to plan ahead of time yet balancing that with mindful spending. It was also difficult to see myself spend more money then I did in the the past few years with COVID, and I actually got to travel a lot so it was great just working on a balance

[@operativealyssa]

I'm interested to watch a reset video that focuses more on your business side, separate with your personal one. That's an interesting video idea, Carter. I hope you push through doing that next year. :)

[@CarterSullivan]

I would love to try and do that but my only issue with that is there's just so much sensitive information I can't share like brand information, payment details etc. I use a very simple bookkeeping template alongside Quickbooks for my business and I've tried to show you guys before but it ends up being my whole screen blurred out which isn't helpful to anyone 🥲 But I will try!

[@karleeharwell4036]

I have previously been great with setting financial goals and meeting them however my 2022 finances changed significantly. I saved for several years and my goals started with smaller items that consisted of a few hundred dollars, then i wanted a truck and trailer for my horses and achieved both those in 2020 (also splurged and bought newer cash only so that they would last), next financial goal was wedding and honeymoon which we achieved in 2021, next was wanting to buy a horse property within about 3 years well that fast tracked because we found the perfect place in 2022 and was above our budget. We have many updates and things to accomplish with property for goals however don't have much left over and to top it off, found out we were pregnant right after buying the new place, yay good changes but def affecting finances! We don't have many short-term goals other than making sure we are making progress on payments. We bought a bunch of equipment on contract for deed on 5 yr payoff but ideally we can payoff off sooner. Pay off student loans by 2024 but am in a program that as long as i stay in my current job until end of July 2024, I am in a scholarship program and that will get paid off by then. Husband will need a new vehicle in the mext 3 years as well. Definitely lots of goals but big expenses so will take some time! And new home will need a new roof in 3-5 yrs too.

[@paulac4071]

I'm can say that I appreciate you being here and sharing your life. Your an inspiration and get me to get my butt in gear and not give up. Thank you so much

[@CarterSullivan]

🥹♥️

[@CourtneyMiller]

YES just made my 2023 financial plan and so ready to see everyone else's goals and plans!

[@CarterSullivan]

WOOHOOO 2023 here we come🥰

[@christinab8634]

I recently read the book Profit First and it helped me learn how to pay myself for my side hustle small business!

[@izabellabarros]

For my financial goals I want to achieve the value I set for my emergency fund, start saving money for my retirement, and spend less in my credit card. Loved the video! Happy new year for you! ✨❤️

[@oliviaherzog6755]

My 2023 financial goals are to 1) Keep throwing money towards my student debt (aiming to be debt free by 2024 but if not, I will be carrying very little debt into 2024) and 2) Keep budgeting (I have really started to like budgeting and it has become so addicting and motivating!)

[@CarterSullivan]

You got this girl!!

[@EmsFitVenture]

I think taking a specific amount as a business paycheck is a great idea. I follow a KZbinr (Steph & Den) who does that full time and she takes a very strict budget from the business. You could also do a specific amount that MUST go straight into savings or invested from the business monthly. I’d highly recommend a business high interest savings if you don’t have one so it isn’t sitting in checking.

[@CarterSullivan]

Love all that!!

[@ItsAmandaWan]

love this, really inspiring me to get my finances in order for next year!!!

[@CarterSullivan]

WOOOO 2023 is your year girl!!!

[@Esther-uo7fs]

Hey be careful with timeshares Maybe you can do a video on the risks of timeshares and why you are still going ahead with one anyway?

[@CarterSullivan]

We're still doing our research and figuring it all out but it's important to note that Disney isn't a traditional timeshare like you think. There’s a misconception that timeshares are impossible to leave behind if they are no longer a good fit. That may be true for some but it’s not the case at all with Disney Vacation Club. The Disney timeshare remains popular and continues to add new resorts and you can use it worldwide and sell if it is no longer for you.

[@debchaffin]

got into your videos by a youtuber who mentioned (i don’t remember who lol) but love it!

[@ZoePritchard]

Love this so much!! Can't wait to do my goal setting next week, but you def inspired me to be more intentional because I'm usually so last minute 🙈

[@CarterSullivan]

Eep can't wait to watch yours!!

[@mompreneurlife]

❤ very nice way to spearhead the new year. I really like how you not only listed your goes, but have a way to execute them as well. Best of luck to you. You were going to be very successful.❤

[@phobedavis7014]

My goal is to pay off my home, replenish my emergency fund to $10,000 and to fully fund my Roth IRA..

[@edwardleecaliforniausa]

Hi Carter good morning happy Friday morning and happy vlogmas day and happy December and happy winter season and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter

[@budgetwithbecca]

Thank you for posting this video right now, it came at the right time for me! I went to the bank yesterday because my 2023 goal was to buy a house and I have all my ducks in a row (down payment and emergency fund). Sadly the rising interest rates and housing costs is making it not feasible to accomplish that goal until things calm down (who knows how long that will take). Kinda feeling stuck and wondering what my next year goals should be without feeling defeated….

[@CarterSullivan]

Good things take time♥️✨

[@evaloulou]

I could watch these videos forever ❤ you’re so inspiring!

[@BudgetBuddyZach]

As a DVC member myself, you honestly can’t go wrong!! I’m with you, total Disney lover and while I find it easy to utilize my points ever year, if there is ever a year I don’t need to utilize all of them it is so easy to rent them and earn some extra cash that you can use to offset dues. The quality of vacation with DVC is just top notch and there are some spectacular resorts that you can utilize outside of Disney World. I truly look at it as an investment!

[@CarterSullivan]

Yes so true! We won't ever lose money on it!

[@tracynorman4883]

Sure you aware of Dave Ramsey, he says no one should ever EVER buy a timeshare!!

[@CarterSullivan]

@@tracynorman4883 i do not listen or believe in Dave Ramsey anymore😅

[@AdventuresWithAlex]

Why do you feel uncomfortable sharing your mega wins like the 6 figure income year? I love when people share their numbers in these videos because it really excites, inspires, and motivates me to keep pushing! Thank you for sharing what you do share though 💖

[@CarterSullivan]

I love this perspective!

[@AdventuresWithAlex]

@@CarterSullivan Yay! I totally understand that once the numbers start getting to certain point it begins to feel different as I've seen a lot of creators go through that. However, from the other side as a viewer and someone who's working towards that, it peaks my curiosity and interest so much more!

[@mauracook03]

Hi Carter, I loved this video! It truly helped guide me to set my financial goals for 2023. One of my biggest dreams for 2023 is to do at least 1 paid brand partnership on my social media. I've been slowly growing over the past couple years, I just had some major growth over on TikTok, and I have done a few ambassador-based partnerships that have made me a couple bucks. What I'd really like to do though is do one partnership where they pay me a set amount, and I would love if eventually I could make about an extra $50-100 a month from this! Sending big love

[@CarterSullivan]

♥️♥️♥️

[@leannebuentipo]

2023 financial goal for me: pay off all my debt!

[@Nephele87]

Hi Carter, I bought your finance spreadsheet and I love it! I have one question: when you pay cash buying something in January, you put these expenses in January - simple. But how does it work when I buy something in January using my credit card? Should I still put it in January or in the month where actual payment is due? I can't decide which way makes more sense. Thanks in advance :)

[@CarterSullivan]

I just want to clarify it's not MY spreadsheet, it's just one that I bought and love! It's really up to you, anything I buy in January on my CC I still track as a January expense and that would count as tracking your CC payment because it's already accounted for in your expenses!

[@lmua8628]

Love this! Gonna make mine this weekend ✨

[@amandareadsthrillers]

Dvc was the best decision we made for our family. Literally forces you to take vacations and if we can’t go, we rent the points and put that income into the balance of the dvc contract. There are a lot of ways to really make it work for you and financially over the decades that you can use it, there is no better way to visit Disney ❤

[@CarterSullivan]

Yes that's the best part of DVC is you won't ever lose money on it, it just grows over the years!!

[@sashaluinstra4090]

Couple great books for your raise convo: never split the difference by Chris Voss and know your value by Mika brizinkski

[@CarterSullivan]

Thank you!

[@satauceda]

Would love to hear more about the career progression tracker

[@CarterSullivan]

I'm working on it and will share in early January when I post my Notion tour!!!

[@fabian3795]

you inspire me Carter! My 2023 financial goal is to save 30-40k in my savings.

[@adventure_outdoors]

One of my 2023 goals is to sell my house and reinvest in a mountain property!

[@brooke8888]

You have the best and most logical budget videos on KZbin ❤🙌🏻

[@CarterSullivan]

Wow, thank you!

[@sammyb_12]

Congrats on crushing so many of your 2022 goals!!! 🎉

[@CarterSullivan]

Thank you!!

[@athenacardenas1787]

Hello Carter, one of my 2023 goals would be paying off my credit card debt. By the way great video! :]

[@CarterSullivan]

You can do it!! 🤍💵

[@athenacardenas1787]

@@CarterSullivan Thank you lovely , I'm wishing you nothing but success this up coming year!! 😘

[@crawfordjennifer2015]

I loved this video! Very helpful! Thank you 😊

[@CarterSullivan]

Yay I'm so glad! ♥️

[@hannahelizanoel]

2023 goals: -Have my car paid off by June 2023 (birthday gift to myself) only have ~6,500 left to go and I'm already shoving ~850 a month toward it! lmao. I'll also be working 3 holidays and will probably shove anything from our tax return toward it. -Save for beach trip in June so it can be paid off before we go. -Start an emergency savings -Start saving for a house/baby -Increase my retirement fund thingy mabobber :D -I also have to increase my primary insurance plan in July because my secondary ends then so I want to get as much done as I can before that happens

[@FoxxySAB]

New subbie here from Hannah Olivia’s channel! Liked your format and style. Cheers to the new year! 🎉

[@CarterSullivan]

I'll have to check her out!! Welcome♥️

[@brwnskn8313]

Do you have a video on mindfulness spending?

[@CarterSullivan]

I have a few chatty money videos on it if you go through my videos of the last few months

[@mansoor3159]

Thank you sooooo muchhh Carter for sharing this videooo because I was eagerly waiting for this video and I love your videos so so much and I wish you reach 80K Subscribers very very soon!💫💞😭

[@Rasheedaxo]

Mine is to be patient and to not stress

[@CarterSullivan]

Love!

[@sumeyaibrahim3811]

I'm going to make a very big and broad goal of saving up $50,000 in 2023! Couldn't tell you how i'm gonna get there, but it'll happen inshallah.

[@CarterSullivan]

WOW that's amazing!!

[@alexa574]

Great video, thank you for your ideas and suggestions. You mentioned lining smaller goals, have you tried goals following The 12 week year plan. I think that seem doable for smaller goals that are in alignment with long-term goals.

[@CarterSullivan]

Since I set monthly goals as well I have a good system going for me but always worth checking it out!

[@bloompink680]

Invest and save as much as possible! I bought my first home in 2021 so 2022 was a lot of expenses and saving up funds again. Also try not to let the economy get me down

[@jaimemccreary]

I want to save $10,000 in 2023!!!

[@charityrose1986]

Please don't get into a time share before you fully understand how they work. I think they are terrible 😔 I learned the hard way.

[@CarterSullivan]

Not all timeshares are terrible! We have done extensive research and talked to many different people in the DVC world and it's actually one of the only timeshares that makes financial sense to do! We wouldn't get into something we haven't extensively researched 🤗

[@skylar5960]

Hey! one of my goals is to be able to save up for my weight loss surgery

[@swanseawales1979]

Spent past 15 months working all the hours under the sun to pay off all my debts. The plan for 2023 is to build an emergency fund and heavily invest in bitcoin, ethereum and Tesla. From 2024 onwards It’ll just be the S&P500 and property.

[@dawnbeach5928]

New to your channel. Just found this video. I just started budgeting in august. Never thought about setting any goals. Thanks for the insight. My goal is to get my debt down to 1/2.

[@CarterSullivan]

You can do it!

[@bethlouise371]

Can you do a video on how you changed your relationship with money? I’d love to know how you changed from being a super spender to being a super saver. I’d love to change my mindset.

[@CarterSullivan]

I have a few videos on my channel about it! But I wouldn't call myself a SUPER saver by any means- I just feel like I have a mindful relationship with spending!

[@mswhatsername]

Save for the wedding!! They are so expensive and saving a bit at a time earlier is such a good idea. I wish I would have done this!

[@CarterSullivan]

Since we aren't sure if we even want a wedding (we are leaning towards eloping) we figured may as well save for it now in case we do want one!

[@emu9520]

@@CarterSullivan we had just our parents…had a beautiful lunch after..got my dress on the high street…everyone envied our choice 🎉

[@enyakeller]

Such a great video! I would love to hear more about your career progression tracker.

[@CarterSullivan]

Coming soon!

[@merem178]

the only thing that I want to say it it's I loooooooove uuu

[@CarterSullivan]

hehe love you tooooo

[@merem178]

I didn't expect this😭😭

[@MathildeG]

One of my big financial goals is to pay off a lot of my 30K student debt 😅. Hoping Papa Biden forgives me 10K (but the Republicans keep on blocking him).

[@CarterSullivan]

Fingers crossed Joe SHOWS UP AND FORGIVES IT FOR YA

[@Noemie_Robidoux]

My goals are : 1rst half of the year : save a 5000$ emergency fund. Second half : max out my RDSP (registered disability savings plan)

[@nedtechgirl]

My main goals are to pay off about $3000 in credit card debt and pay off one vehicle which is about $3000 as well. Fingers crossed that’ll be done by March

[@CarterSullivan]

Crossing my fingers for you, you can do it!!

[@Courtney-Alice-Gargani]

Money goes fast and takes time to save

[@KenyaRomero]

pay off my 3k consumer credit card debt, pay off my car loan, and build my emergency fund ❤

[@insanetech8]

From someone with some recent ish experience the past three years with the exact same things. Don't do the timeshare and get married as soon as you are comfortable.

[@CarterSullivan]

Disney timeshares aren't really your traditional timshares that get such a bad rep! We're doing plenty of research and still deciding if it's best for us! Informed decisions only 🥰

[@insanetech8]

@@CarterSullivan I’m gonna look into it now. The word timeshare has destroyed me once before. I hope it’s different

[@kaylincwynar3883]

Where is that spiral bound dot grid from?! I tried one on Amazon and the paper was sooo thin lol not conducive to darker pens when planning

[@CarterSullivan]

I want to say Walmart!

[@katiecourreges]

Hi Carter, great video! I know you're in healthcare now, but was wondering what your bachelors degree is in? Thanks :)

[@CarterSullivan]

Psychology!

[@melaniemacculloch6401]

Hey Carter! I love your finance videos. I am looking to start budgeting in 2023..but I can't make my own spreadsheet. Any suggestions on one for a beginner? Thank you from a fellow Canadian from nova scotia!

[@CarterSullivan]

The spreadsheet I use is linked in the description- I just bought it on Etsy and there's tons of other great ones on there!

[@itsadrienneleigh]

Hey Carter! I own a business & was really lost when it came to the business income & what to pay myself…Then I read the book Profit First. Since July I have been doing the Profit First method & after it’s set up, it is such a breeze & I love paying my bills & myself now! I would highly, highly recommend reading the book & trying it out!

[@CarterSullivan]

I'll have to read that! Thanks so much for sharing🥰

[@booksnbudgeting]

I'm barely starting to try to plan my life so I only have 2 financial goals that will encompass the year. I want to make $45k for the year, I'm almost at $40k this year. I also want to open my business and get that started already. I want to plan smaller goals each quarter as well but I'm not sure yet.

[@CarterSullivan]

Yes I'm all for smaller goals to kickstart that fire of motivation!!

[@Ash-hb4lc]

Hey, I am your new subscriber

[@heyyitssj]

Yes yes yes! Save for a wedding if you guys are seriously discussing marriage - they’re so expensive 😅

[@CarterSullivan]

We defintely don't plan on having a traditional wedding so we'll save alot of money that way but I think it's something important to start saving for even if we elope!

[@GabbyMari2614]

In the fall I’ll be a freshman in college, so my goal is to create at least two sources of passive income. Another goal of mine is to learn about investing.

[@hernanveliz1911]

Pay off all your debt. Then invest. You wont regret it

[@CarterSullivan]

As I mentioned in the video I think there are plenty of right ways to do things and I'm happy with my choice to prioritize investing while I have some extra income🤗