2025 Financial Goals 💸✅ Saving, Spending, Income

[@PenniesNotPerfection]

✅ What are your financial goals for the year?!?! ✅ Join me in The Committed Club for an amazing 2025: kzbin.info/door/k51hDRqehBx0UVpXfXmRpgjoin ✅ All of my products to help you thrive financially: shop.penniesnotperfection.com/

[@lolomissa]

my financial goals are to keep lowering my base expenses and saving more! i feel like i stagnated a bit this year, but no more, 2025 is a great time for a fresh start! 🙌

[@ricy802]

1. Continue to max out Roth IRA. 2. Save up for an apartment with my gf(first, last, security deposit, furniture is no joke). 3. Pay down last bit of debt I have($3800) 4. Flesh out emergency fund(not expecting it to be fully funded in '25) 5. If all goes well towards the tail end of the year would like to begin helping my gf pay down her student loans.

[@PenniesNotPerfection]

Lowering base expenses is such a good idea!

[@PenniesNotPerfection]

Love those goals!

[@KatieoftheHouse]

Great goals, Mary! I love that you are going to allow yourself to spend on your health. So important! ❤

[@PenniesNotPerfection]

Thank you! I’ve definitely realized that lately!

[@livy6908]

Yes, health = wealth. The money you invest in staying healthy is probably a lot less than when you get sick and need treatment. Taking care of my health (physically and mentally) is a permanent goal for me. 😃

[@PenniesNotPerfection]

Soo true! It’s truly an investment that pays off by reducing spending later!

[@jilliantee1718]

Thank you so much for your videos. I hope you continue producing content! I want to let you know that I really appreciate what you have said regarding health budgets or the mindset towards spending money on bettering ourselves. This has resonated with me on a level that I cannot even articulate. Wanting to be better for your kids, yourself and even your future self. I love it. I think when you have low self-esteem then any money spent soley on yourself or healthier choices seem like a waste of money. I could go on and on about how this has just helped me but I will run out of character spaces. Thank you. Thank you. Thank you.

[@PenniesNotPerfection]

So happy you left this comment! Thanks for much for letting me know. And honestly the self-esteem part is right. I struggle a lot with that and it leads me to spend less on myself or delay spending I should do. I'm trying to overcome that and my 2025 goals are health & confidence. I'll definitely keep making videos, so thanks for watching!

[@valerieproctor517]

Mary - I love this mindset. I'm sorry to hear about your family members, but you're taking the right messages from this. ❤️ You really got me when you said "I'm done with spending as little as possible." - spending it in the RIGHT ways is so much more important than just stopling spending

[@PenniesNotPerfection]

Thank you so much!

[@Aleak78]

I just opened my Roth IRA (thanks to your video). I may not max it out, but I plan to add much as possible for the year 2025. Your videos are very helpful and informative.

[@PenniesNotPerfection]

I love that!! It makes me soooo happy every time someone tells me they opened a Roth IRA because of this channel. Adding as much as you can will add up to a lot over the years!

[@blessedbudgetsbyAbigail]

I will play your playlist to help you out with your goals

[@PenniesNotPerfection]

Thank you for watching and subscribing!

[@britneycall1146]

I love your videos, content, goals, etc. Sometimes I will watch your videos even if they are old, non evergreen ones that no longer apply to me just to help your channel. 😊 Keep up the great work!

[@britneycall1146]

Oh, my goals for the new year are to finally move an old employer retirement fund to a Roth IRA, pay off all of our student loans, and increase our income.

[@PenniesNotPerfection]

I appreciate that so much! Thank you!

[@villamathilda6984]

Great goals! Lots of love from Sweden ❤😊

[@PenniesNotPerfection]

Thank you!! 😊

[@StephsHealthMatters]

Increase 401k, decrease unfocused spending, increase travel spending, dial in fixed cost.

[@PenniesNotPerfection]

Love these! Dialing in fixed costs is a great one.

[@StephsHealthMatters]

@PenniesNotPerfection Yes!!! Experiences are important for me. Also like you, I enjoy quality food.

[@aleciariddick7719]

Increase my emergency, spending, sinking funds, and pay off credit cards. Getting and keeping a job are my financial goals

[@PenniesNotPerfection]

Great goals!

[@blessedbudgetsbyAbigail]

I agree about investing on health, I am also doing the same. We have to be able to enjoy life now and even when we are older 😊

[@PenniesNotPerfection]

100% … health is so super important and what we do now will pay dividends later on

[@jenniferbull84]

Love your updates! 🎉🎉🎉

[@PenniesNotPerfection]

Yay! Thank you!

[@lolomissa]

love love love the content and the business goals! evergreen is my fave! even though i can be considered a bit more 'advanced' i find going back to the basics to be KEY in keeping the flow going! 🙌 Cheers to the new year and i hope you reach all of your goals! 🥂

[@PenniesNotPerfection]

Thank you! Cheers!

[@deedeesaidso]

This are all great goals.

[@PenniesNotPerfection]

Thanks!

[@sandrafromscotland]

Thanks for sharing Mary 👍 Interesting hearing your goals and why you made them. All the best for going for them in 2025.

[@PenniesNotPerfection]

Thank you! You too!

[@mandypdx]

I hope your mom is doing okay 🥰. I scheduled my first mammogram for January 2nd

[@PenniesNotPerfection]

Thanks! She’s had a rough go and still not cleared for normal activities after two surgeries but they did get all the cancer we believe so that’s positive news! And yes definitely get that mammogram! 💗

[@mandypdx]

@ i am thinking of you and your mom! I lost my mom when was very young and am so happy to hear she is recovering. Mark your calendar, on your 40th ❤️❤️

[@PenniesNotPerfection]

I’ll definitely be going on my 40th for sure!

[@brookew2513]

I love you videos what other channels do you have?

[@PenniesNotPerfection]

You can search Create With Pennies for another!

[@blessedbudgetsbyAbigail]

Hi 👋 Barbie here just subscribed also from this channel which is my budgeting channel 🤗 I always enjoy your goals videos Here listening and supporting 🤗

[@PenniesNotPerfection]

Oh cool! I love that there are so many budgeting channels. Thanks for the support!!

[@ro2409]

Hopefully, I can max out my Roth IRA for the 3rd year in a row! And stay out of debt while also increasing my sinking funds.

[@catgodfrey6451]

2025 will be our year of savings. Be disciplined to stay in budget😊

[@PenniesNotPerfection]

Love it!

[@Shegonnabeamillonaire]

Hi, Mary. Paying off our home in January, saving up my ins deductible for my same day surgery, saving for all of my annual expenses so, that I don't have to put it on a credit card! Increase my 401k from 10% to 11% and maxing out my Roth!

[@PenniesNotPerfection]

Great goals! I forgot to include it in this video because it’s not a goal but we just increased our pre-tax percentage too! Moving up 1% is always fun so great job!!

[@joeriveracomedy]

I roadtrip up and down California for vacations. I only spend on gas, food & knickknacks. So cheap.

[@PenniesNotPerfection]

I love cali! The whole coast is so pretty and the state is full of things. You could vacation there and never leave.

[@Justchilling8261]

I have seen a KZbinr who makes a lot on Etsy and I think its because her videos show her using her trackers and saving challenges all the time. People see you using your products, gives them ideas on how to also use them in their lives and they'll probably buy them. Just a thought...

[@PenniesNotPerfection]

Yes that’s one of my goals for 2025! Specifically also doing shorts using my stuff. I definitely don’t show it nearly enough because I stopped sharing our personal numbers to respect my family’s wishes but there are probably ways to show glimpses

[@PenniesNotPerfection]

Also, which KZbinr?

[@Justchilling8261]

@@PenniesNotPerfection Beautifullymeandyou She does budgeting, cash stuffing and saving challenges

[@PenniesNotPerfection]

Haven't heard of her but I'll go watch and subscribe!

[@Rareform03]

Lower debt, continue to max HSA, increase 401k & overall lower tax burden!!!

[@PenniesNotPerfection]

Boom!

[@FIRE_DrNinjaTurtle]

My 2025 goals are to push myself to new heights in saving and investing by putting away 70% of my income. This year, I did 40% so I should be able to hit 70% in 2025. I am transitioning from a saver to a spender as I increase my cashflow through paying off rentals

[@PenniesNotPerfection]

Wow 70% is an incredible savings rate! How much are you earning to make that work? Also encouraging to hear the rentals will be paid off and giving more cash flow.. what a dream!

[@Madison-i3h]

Agree you need to focus on health. However, I don’t agree with your perspective of spending whatever’s necessary. I’m healthy. I have a planet fitness membership (they have group classes), cut calories, choose healthy foods from Aldi and go to the doctor regularly. I don’t think buying organic produce and spending a bunch of money would change anything…you can and can’t prevent cancer or other diseases. More money and investments decreases stress overall which will help your health. It has to be a mental shift as well. No fast food etc. I used to do yoga, barre, and Pilates heavily. It gets very expensive and you don’t need it. That spending can spiral out of control very quickly. Your mind will make allowances and tell you it’s ok. That money can go to your down payment.

[@PenniesNotPerfection]

Different things work for different people. What works for you doesn't mean it's the right or only way to do things. Maybe you don't need something but I do? Maybe someone else doesn't need to save for a down payment and is happy renting? Personal finance is very personal and finding what works for you is important.

[@Madison-i3h]

@@PenniesNotPerfection missing the entire point of what I was trying to say, and instead got defensive and of course, I predicted that you would be stubborn in regards to what I said, but you are providing information and advice to an entire KZbin community. You Also mentioned in this video, saving for a down payment. in what world is investing in fitness class imore important than saving for a growing asset and investment?

[@PenniesNotPerfection]

I don't feel defensive or stubborn and I can disagree without insulting the other person. Personally, we invest every single month, we're happy with our net worth, and having money has already allowed me to stress less. I'm choosing to put my money towards things that I will actually use and will improve my health overall. I have tried the cheap gyms near me and they were wasted money because I never went.. but I will show up multiple times a week for pilates or yoga. That works for me. And I'm happy you found what works for you! Sharing my personal goals isn't providing advice to an entire community because plenty of people who watch my videos do NOT have the same goals. Quite. a lot don't want to own a house and definitely don't want to be landlords. Sharing personal experiences are not meant to be universal advice and when someone like you shares their personal experience... I don't take it as advice.

[@rolandosouffrain7957]

2025 Financial Goals. Hmm🤔🤔 max out my Roth 401k and Roth IRA. Make $1,000 to $2,000 a week selling options in my Roth IRA and my brokerage account. I think that's it. 🎉🎉🎉💰💰💰💰💰

[@PenniesNotPerfection]

Great goals! I’m always so impressed by people who make money with options but it’s just beyond my capabilities 😂

[@rolandosouffrain7957]

@PenniesNotPerfection thanks many you tube people teach it. Look up trading with Ashley. Many people like the way she teaches