Saved $1,000? Do THIS Right Away!

[@conflictofinterests]

I've been watching Ramit for only 2 years now. I have saved a 6-month emergency fund and lost my job last month. This has saved me and ensures I don't make decisions out of fear. It has given me the space to plan my next steps with intention, and I don't have to take a lower-paying job in desperation. Thanks, Ramit!

[@TheCelmap]

Uuuaaauuuu congratulations on being smart with your money decisions 👏 👌. Sorry you lost your job but, glad you have the safety net to choose another job wisely 😊.

[@Basictoproskills]

That is great👍

[@syforce9297]

I'm 32 and still have a maximum emergency fund of 2k. I would never keep 15-20k as a fund unless I've got a big house, family, car etc.. What a waste of an investment opportunity 🥵

[@conflictofinterests]

@@syforce9297 Totally get that. I am a 45yo single parent and have a mortgage. I also live in an area in Australia where rental vacancies are under 1% and the rents are about the same as a mortgage payment (homelessness is a risk for fully employed people on a decent wage). I also have the savings account as a redraw facility on my mortgage to reduce the interest on the principle.

[@Roger-mw9el]

@@syforce9297 what happens if god forbid you have an injury and have no choice but to take time to heal. That 6 month emergency fund can be the difference between security and an unfortunate blunder. Prepare for the worse but live for the future.

[@foreveranuj]

The first $100K of saving/investing is pure self-discipline. Fight off all the temptations of the WANTs & learn to live with the NEEDs, and also learn to thrive in it. After $100K is invested wisely, it'll balloon. The next $100K comes quicker, and before you know it you're at $500K (assuming consistent investment habits, simple/frugal but a happy lifestyle, and harnessing the power of Compound Interest). ----- I'm in this bucket currently - flirting with $500K net worth but a shade short currently. I can't wait to be a millionaire before I grow too old & can't use most of it!

[@bbb_888]

Be careful of any taxes or fees you have to pay. Otherwise best of luck reaching a mill!!!

[@robertcampbell1307]

I went today and put $1k (emergency fund) into high yield savings account paying 4.25%. I’m gonna self fund it by transferring money into it to build up my 3 to 6 months of expenses! Thank you Ramit!

[@masonbronson3194]

use raisin , you get 5%+

[@FreejackCandy]

Can I do that as non-citizen of US? I live in EU

[@kiasunray]

@@masonbronson3194 What’s raisin? Is this an online bank?

[@CelinaChauNhien]

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the Prime consultant 001 movement when I say ancestral your a gift to our people

[@杉尾久美子]

The way you guys just remain humble & move behind the recommendation is how more people should move. You Prime consultant 001 deserve it all! This Helps people see how much of an angel cognitive notch is. I'm proud of you man. The Main reason you inspire me to help people.

[@frederica4355]

Starting this now as 22yo RN! Goal is to stay at home until I finish my automated student loan overpayments, lots of thanks to no rent, if I stay consistent with this autopay idea… I should be loan free and have $10k in a HYSA before I turn 25 🙏🏾

[@kahlildr]

Good luck!! 🍀

[@jvinsnes]

Starting so early is really going to benefit you. I started at 19, currently 21 and been investing all the way. Almost wish I still lived at my parents house. Just a couple years with close to zero fixed costs is gonna put you many years ahead later.

[@nomaam5891]

Perfect time to start! You will crush it!

[@CalligraphyArts]

You’re so brilliant! And I so enjoy your sense of humor. I’ve implemented some of your techniques and it’s reduced SO much stress. I went from “I can’t see ever retiring” to “I have a workable plan and can see retiring at 67”. Thank you and keep up this great work - you’re likely adding years to people’s lives 🙏🏽

[@RandomEncounter94]

The most down to earth realistic advice out there! Awesome stuff as always.

[@AstorSkywalker]

The emotional effect of having an emergency fund is invaluable.

[@ajluvzlondon4214]

Ramit! Hands down the best finance advice clip ever...I wish I'd seen this 20yrs ago though (I'm 47 now)...but thankfully have an emergency fund secured and are automating my monthly investments since this pandemic. Thank you for sharing your wisdom...

[@pinkandsparkly]

I've been obsessively watching financial videos every single day for the last month and this is one of the best I've seen so far. Thank you for this.

[@nomaam5891]

Ramit is awesome! You should check out his book if you haven’t already. It helped me get on track financially

[@jamalamitchell]

Glad you said it can take a year or 2 to fully fund the EF. Timelines are important. I was thinking it takes a few months

[@lowlowseesee]

Yep, takes the pressure off having a realistic system

[@o0usf0o]

It will take me a few years to build mine… I continue to invest heavily.

[@LisalivinginBerlin]

I thought the same! So Ramit thank you for mentioning this! It is way more encouraging and motivating if someone like you gives you a realistic timeline.

[@Kevin-fn1rn]

took me 2 months

[@arh1234]

Fastest is better, because it gives you a safety net early - but doing it in a few years is better than not!

[@Beautybytracilei]

Setting up sub savings accounts and automating deposits to those accounts eliminated so much stress around money! I did this many years ago, and I’ll admit, the first year was tough. I was still having to pay all the bills, but also deposit the amount needed monthly into the savings account. But the next year, when I had everything fully funded, was so beautiful. I do this for things like my HOA (billed annually), car insurance, gift fund, emergency fund, household repair fund, vacation fund, etc. Because it is automated, and because a set amount is set aside monthly, we no longer have to think about these things as they come up. I adjust the amounts set aside as I see the need, but the adjustments are usually small and manageable. The best part is that having a substantial emergency fund eliminates living paycheck to paycheck. There is real peace in knowing you have enough set aside to weather 6 months (or more) of no income. It may take a while to get there, but it is so worth it.

[@nicholebryant7359]

That 1st year has me shook lol

[@traciblanchard7838]

@@nicholebryant7359 I think you could take a slower approach than I did. You could start with just a few accounts and gradually build up. It would take longer but it wouldn’t be quite as painful. I was just impatient 😁

[@ilyausik5063]

I joined Ramitme. Ended up automating everything and living a more purposeful life.

[@lowlowseesee]

I started in Feb. it’s lovely

[@JohnClinton-g2p]

Hello, I don't know anything about investing and I'm looking to invest, any help? As well who can I reach out to?

[@Trisha-z8p]

Most people today have been having a lot of failures in forex and crypto because of poor orientation and bad experts.

[@Trisha-z8p]

It's wise to seek professional guidance when building a strong financial portfolio due to it's complexity.

[@Alfred-k3m]

I think I'm blessed if not I wouldn't have met someone who is as spectacular as expert Amalia Bunker

[@Captainuva]

Talking to an expert like Amalia Bunker to reshape your portfolio is a very smart move

[@Lindgren-h7k]

Amalia's unique strength lies in her realistic approach which makes her different from other brokers who often set unattainable targets and fall short in delivery

[@lishabarrett6529]

This is truly the way to create financial stability and wealth. I can’t stress enough the importance of an emergency fund. Thanks for sharing this important info, Ramit!

[@chocOneOOne]

I don't know why people hate on Ramit so much, but eat the shit Ramsey says right up, he's pretty simple in his advice that most noobs to budgeting could follow.

[@ramitsethi23]

Thanks❤😊

[@AzCrYDia]

What if our retirement savings is taken out pre-tax by our employer? should we still invest 10%+ on top of that from our net pay? thanks

[@maxime_vhw]

Might be a given but maybe add to that the emergency fund at a different bank should be a HYSA. I mean it doesn't have to be, but its better.

[@MikeThaPhilosopher]

Ramit this really changed my perspective drastically. Thank you sir!

[@nialld2638]

Ideal approach as said here, 6 month emergency fund in case of job loss or unexpected costs. Then invest as much as you can in a pension fund (if you have one as part of your job all the better), invest as much you can. There is an awful lot of bad advice on KZbin but this is perfect advice here. I am working in financial services and this is advice we give to clients

[@stephaniel6867]

Most pensions are from the company unless government employee in US. They'd need to contribute to 401k.

[@bgoode652]

My company's payroll site allows for up to 10 different banks accounts for direct deposit. I don't even have to worry about setting up transfers. The money I want to save goes straight to the designated savings/brokerage accounts without ever hitting my operating account(s).

[@Abby-ll5yw]

Thank you Ramiro! What are your thoughts on the economy currently. There’s a lot of doom and gloom being predicted. Would love to hear your take on this! ❤

[@carolinalv5708]

The problem I couldnt foresee: breast cancer. Luckily, I had a solid emergency fund

[@mjj798]

Great breakdown. My situation is that I am debt free and a saving 60% and still always feel broke. If I save less I feel i won’t have enough when I retire.

[@debvoight1310]

I feel the same way! Not sure how to live life now that I am debt free other than my mortgage.

[@shrpbluntobject]

I was in the same boat but its all perspective. If you have $1mil by retirement (easily achieved if you invest heavily and early) you'd be able to live off the growth to the tune of $80,000 a year, it would of course go less far due to inflation but still. You can crunch some numbers in Excel or any of the hundreds of online calculators to see what your retirement goal should look like then adjust your savings accordingly. If you're only focused on the end you'll forget to live and enjoy the now.

[@weswest8666]

Move to a cheaper area

[@raining1975]

@@shrpbluntobject withdrawing 8% is terrible advice, are you Dave Ramsey? You should look up sequence of returns risks.

[@debracisneroshhp2827]

@@weswest8666 , "Moving to a cheaper area" is plain BS__only works in your favor if you already have enough savings/investments under your belt. Why? Because 'all things are relative'! Meaning, a lower cost of living area also means lower income availability, as well as 'other' things that tend to 'balance out' the differences.

[@jfcjic3935]

these example numbers are so real for me!

[@whiterabbit4606]

Conscious spending plans are great, really, but they only work if you discipline yourself. I'm not sitting on this guy's ideas, just pointing out that it's 20% planning and 80% discipline--especially if you are an impulse spender, like he mentioned at the start of the video. Those are tough habits to break, speaking from personal experience.

[@SettlingInCanada912]

One of the most realistic Finance KZbinr out there!

[@adrieanaleary4875]

I really truly like this guy. I believe he has true passion for helping others. THANK YOU AND GOD BLESS ALWAYS❤

[@Ana-me7tn]

Great stuff, never stop doing this !

[@danielp4805]

I love your content!!!!!!!!!!

[@theonlykisboi]

I have 10k saved liquid. I feel like I'm hitting a mental block on growing that, what advice do you have? I'm a very "money is a tool" kind of guy and would rather use it to make more money. I'm interested in very little in the material world, other than a future I can enjoy while young as time is a very irreplaceable thing. I value my time, don't think working a 9 to 5 is a logical long term choice. Sorry that was a bit long 😅

[@EcomCarl]

Absolutely! Building a strong financial foundation with an emergency fund is crucial for long-term financial security. Implementing automatic savings and a conscious spending plan can help achieve financial goals and lead to a more fulfilling life. 💰📈

[@doreengonsalves2585]

What about those older late to the game. Can things change at all ??? Doreen age 67.

[@lizcademy4809]

I had to rebuild my finances in my late 50s; I bought a duplex when I was 62. So it's possible, but not easy. * You need to be very comfortable managing your money and living within your spending plan. You need to undertand the difference between savings and investments and learn when to use each. If you have a partner, you both need to be 100% on board, no financial cheating. * You need a source of income beyond Social Security or a tiny 401(k). Can you meet all your fixed costs and still have extra for savings / investment? Do you have a well-paying job? Can you start a profitable small business? It sounds impossible, but I know it can be done because I did it. I got an excellent job at 59, saved like crazy (while still allowing a little guilt free spending), and constantly keep investing.

[@ramitsethi23]

Use this one

[@ramitsethi23]

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[@andrewmarshall3406]

Quick tip: If you get your paycheck with direct deposit, you might be able to split your direct deposit into multiple accounts. I split a portion of mine directly into my longer-term savings.

[@ArtAnimeEmerly]

Thank you for your videos! I've been part loaning a horse because i cant afford to buy one just yet, but have been feeling guilty about the money. Now that I've run the numbers I've realised the cost is just a portion of what i can allocate to fun money after paying out all my fixed costs and investments, so i can enjoy my hobby without the guilt

[@Cr7-private]

I find it funny how everyone is stressed about inflation, the only ones that are not stress about inflation are the ones who have planned and are good with their money. The ones who who think before swiping the card, the ones who are able to say no. I’ve been on this journey for almost 10 years, and I have not felt inflation at all.

[@lifewithjack435]

I 100% agree and I preach this exactly to a T and all my friends disagree with my but I will die on the hill it all comes to budgeting

[@hmmm2564]

Inflation still exists. And it doesn't mean one can outrun it

[@isoseismic]

My rent in the beginning of 2020 was $1850, now it’s $3120. Doesn’t matter how good of a money manager I am, that’s a big hit, and we feel it.

[@Cr7-private]

@@isoseismic maybe you can’t afford to live in your area and need to move.

[@rog3rs528]

@@hmmm2564 The ones who worry about inflation are the ones living pay check to pay check without a plan. Those who have saved up and plan their wealth don't even bat an eye if gas goes up 1 dollar more.

[@tikakk924]

I get this and I wish there was a guide for people like me. Someone who lives super economically and doesn't waste money on merely anything, never eats out or buys crap. Just realistic tips for people who have a very modest income and are able to save (putting away the money on a saving's account regularly) and need a way to save this money from dying. I know absolutely nothing about investing and the subject sounds Chenese to me. Totally unattainably ambiguous and confusing. Elementary and concrete tips or instructions on where to invest our 10-20k, would be very appreciated.

[@ramitsethi]

This is all in my book, I Will Teach You To Be Rich. Check it out from any book store or library

[@helenevans3963]

I followed the link and signed up to get the conscious spending plan. I got a welcome email to IWT and a Rich Life mini course email - but I can’t find the spending plan anywhere in either of them. Does anyone know how I access the CSP, or did something just go wrong?

[@fr9714]

Ramit is a smart guy. Some good advice. I like his points

[@Obsessed.WithMoney]

Yes boss! In today's inflation age, it is important to know what to do with your money and make smart financial decisions. That's why we're on a mission to help people make passive income online! We wish massive success and happiness to everyone who reads this! May it be up and better for each one of you 👍

[@muuserid77]

I wish you would bring in age more often. These spending categories and percents just don’t work for older individuals who are behind/just starting to save for retirement

[@ramitsethi23]

Use this

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[@davesnothome1586]

been searching Ramit's posts, can you tell me if there is one on how to converting away from paying my adviser? Saw the Netflix show and you say stop paying an adviser. Sounds like you may be suggesting doing it on my own? I am with an adviser who then invest through Schwab. 1% to my firm, 1% to Schwab. I would like to end this.

[@mhodge0890]

Great video. Thank you

[@ayeshaliaqat-gm5mn]

Hi Ramit, thank you so much for teaching us these necessary life lessons 😊. I have a question though if u could help me. As a Muslim I can't use normal or high interest savings accounts. An Islam savings account could be possible where the bank uses the money to invest and as the profit is not a fixed amount or percentage it is permissible. What should I do if I can't get access to an Islamic savings account so that inflation does not depreciate the money?

[@ramitsethi23]

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[@Gurimpo]

Thank you Ramit 🙏🏻 you have changed my life by giving confidence back to me that I can do this. May you be prosperous and healthy in life 🙏🏻

[@zechariahcarter4152]

Love this! 🎉

[@annoyedlife]

i am tired of the rest of the world. I need to go in the right direction. put 40k in ira, I paid off my home, paid off all credit. I started an online reselling business. Paid off my car and put 30k in the bank. with my oh crap saving off 2k. just made my first 500 online. what am I missing. I took a small camping vacation in March.. Am a home painter by trade, My fixer upper is fixed. I am having a hard time concentrating on my new online business, it's not that easy to restart after 10 years. things have changed.

[@mykidsaresupercute]

I can’t do auto payments because our paydays are random. You need to have a big buffer in your checking account for that to work, which we don’t.

[@Ry22futbol]

Love this video! I am doing my best to live my rich life!

[@mr2_mike]

Baller! '06 Honda Accord 😊

[@jbenz1990]

Is it better to start doing emergency savings first or pay off credit card debt first? I have about 3k in credit card debt

[@instagramdude4784]

Pay off your debt first. That way you are already paying yourself that 20-28% you must be paying right now on the ridiculous CC Interest!

[@KA-NV]

Credit cards. The interest rates are too high.

[@jbenz1990]

@@KA-NVthank you that’s exactly what I was thinking but I wanted another opinion on it. Attacking that credit card debt hard!

[@miggylomeli]

Thank you for the video, I have a question about the percentages. Are the percentage categories for the entire paycheck or the remaining balance from what's left over from the previous category? Example: paycheck $1000 - 50% for fixed costs = $500 left. Would I invest 10% of the $500 and keep going through the categories like this or invest 10% from the original $1000 paycheck?

[@AlyssaMartinpage]

Percentages are for the entire paycheck

[@ramitsethi23]

​@@AlyssaMartinpageyes

[@addisababa7677]

My men, the only video before I watched, like, share this channel. I love you, Ramit

[@EngineeredMojo]

Excellent video, automation is a great tool to take emotion out of financial decisions

[@ramitsethi23]

Absolutely ❤

[@LeanneCFP]

Thank you for taking the time to create such great content.

[@minavaccarito]

Hey Ramit. I know about you with your Netflix serie and I really enjoyed and learned a lot. I’m from Venezuela and we do not have automatic system, any suggestion? Thank you for all the info you always share!

[@sanjuanaaldacoaguirre2767]

What the name of the series on Netflix?

[@YawAsareOwiredu]

@@sanjuanaaldacoaguirre2767 “How to Get Rich”

[@abrahamshabatee4384]

Good video ❤ Thanks

[@sandrahusser7971]

Great advice!

[@anachandler607]

Do you recommend investing all your money in to the S&P? I think u said 10% bonds??

[@maxinoume]

He usually recommends choosing a low cost target-date fund. For example, if you use Vanguard and want to retire in 2035, you can take their 2035 fund that rebalances automatically the closer you are to retirement.

[@DtlaDaisy]

Lol 1:35 transferring money to go to Vegas😂

[@Trecie08]

Hi Ramit! I signed up but I only received the newsletter and did not receive the CSP Template. Am I doing something wrong?

[@ramitsethi]

Can you email [e-mail] with screenshots?

[@Trecie08]

@@ramitsethi thank you! I sent them an email😊

[@gonzalorojasdiaz9700]

Excelente video Ramit!❤

[@thepjpantsearner1949]

This is such a great video so mich info thank you

[@carolv1977]

Are subscriptions like Netflix considered a fixed cost since it’s every month or guilt free spending since you can cancel whenever? I am always confused on where subscriptions go. Thank!!

[@cojut]

Yes it is fixed. You can change a lot in fixed costs for example decrease rent or remove payments you no longer need.

[@rontopp]

But what would you do if you just got a 1 million dollar inheritance and you were 60?

[@AIAnimationandMusic]

Thanks Ramit. I will never forget your chicken wing lesson😆 your content is amazing

[@Fab0415-h9z]

Fun money = guilt free spending is just awesome

[@soumyajeetchakrabarty6872]

This has been very very insightful

[@lupetorres5300]

How do I get the Conscious spending plan template? I went to the link and got an email, but the template is not there 🤔

[@Trecie08]

Yessss me too! Now that I am in the comments, I'm seeing this alot.

[@ramitsethi]

Can you email [e-mail] with screenshots?

[@kristinasmith2064]

Do you offer mentorship?

[@mss888]

Thank you so much.

[@Mandocammarano505]

I just increased my 403b contributions to max (17% per paycheck and I now focus on our student loans while saving for a house down payment. I still want to invest more after that into Roths and TBAs but these loans gotta go

[@deehope6186]

Thank you very informative

[@BoituS93]

Excellent video

[@ICommentU]

Why are you not Financial Audit?

[@MegaDeepak16]

Thank you for this video, it has opened my eyes to start having an emergency fund 😊

[@LaLaB-cy8mn]

I’m getting onboard with this system!

[@lowlowseesee]

I’ve been on since Feb. life has changed lol

[@LaLaB-cy8mn]

@@lowlowseesee I love how simple it is… Invest, Increase Your Income, Have Emergency Savings, Reduce your Cost of Living & most importantly ENJOY YOUR LIFE! break free of your limiting beliefs about money & prioritize!

[@monicasibisi111]

What a lesson you ve taght us keep it up

[@teyamiles-ku3tc]

what is a good rule of thumb when figuring out percentages?

[@maxinoume]

6:08 The graph is right there. Unless you're asking how to break it down even more? Usually people recommend 30% on rent/mortgage, 8% on your car.

[@lilifey729]

For me: 65% all living expenses 15% to retirement 10% to savings 5% to treat yourself monthly 5% giving/charity

[@teyamiles-ku3tc]

@@lilifey729 thx!

[@teyamiles-ku3tc]

@@maxinoume thx!

[@yosephd3936]

Thanks brother for great information. I wish people are responsible for their finances more. This would have benefited as a whole, but I fear others delinquencies bring down the good guys 2008 financial crises was a good example. Many good people lost their jobs and their investments due to the irresponsible financial decisions of others.

[@olga4989]

Ramit, can you create some content for Canadian reality? I have a medium paying job but my rent is 3200… I barely have $100 left PER MONTH. I have applied for a part time job so I can get extra income, but employers see I have a full time job already and I am not receiving many calls 😢

[@ramitsethi23]

Sorry about that

[@giissellesantos3775]

how can I get the budget template?

[@ramitsethi]

You can download it here: iwt.com/csp-youtube

[@yboumallassa]

Love your content. I'm looking for a conscious spending plan in french, because i'don't understand everything

[@smul36]

Google translate

[@excitedaboutlearning1639]

On peut utiliser un traducteur pour savoir les significations des termes utilisés. Puis, on peux modifier les termes du document et les traduire en français. Ainsi, on peux continuer à utiliser le document sans devoir traduire les termes toutes les fois qu'on utilise le document. Suis finlandais, donc il peux être que Fixed costs = les coûts que l'on doit payer tous les mois: coûts d'habitation, de manger etc. Investissement = l'argent que l'on investe en des ETF ou des fonds d'indice. Savings = l'argent que l'on mettra en un compte d'épargne pour plus tard acheter des tickets pour des vacances etc. Guilt-free spending= l'argent que l'on peut utiliser comme on veut.

[@themars5452]

Thank you

[@elliottnixon-wq6sp]

Can you do a video on credit cards? Good ones, bad ones, and how best to use them.

[@MartinD9999]

Uhm, how about: Stay away from credit cards. They’re debt.

[@maricor4791]

I don't agree with automating everything. Why would you need to? You would not have more than one checking account. So you know where everything goes. It doesn't take so much time. If your bills are too complicated, then you have a spending problem. lol

[@brandy0778]

What if i don’t have the same amount going into my paycheck each month? How do I automate? That’s difficult if my working hours are not consistent Please advise?

[@smul36]

Get the average. Build up a couple of months' cushion. Then do your automation %s that you’ve decided, using your cushion whenever you have a low month to make up the difference. Note that the cushion is separate from the emergency fund.

[@streetguru6240]

👍 good stuff 👏

[@nonosquare259]

How to plan savings and investments for 2 students? My brother and I living in high rented area because of the university. Every month we earn 3,000€ and our apartment takes 2000€ with out utilities. Our groceries and etc. takes 500€-600€ and last 400€-500€ split so I only have 200€-250€ for me. We do not save, but I really want to. What can we do?

[@ramitsethi23]

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[@ramitsethi23]

She will guide you on how to maximize your opportunities and achieve the best results.

[@grimeeeeey]

I subscribed to your newsletter to receive the template and I haven't received anything yet.

[@shonJ17]

We get a lot of overtime. How do we factor that into our CSP?

[@maxinoume]

It's step #2 in the video 3:11 Look at your money in percentages. No matter how much money you make, it's the same percentages.

[@CatherineAndersen-l9q]

First is dealing with debt first

[@jasontryon1315]

Hey Remit I would love to talk to you about money I really like your podcasts too

[@charletfoster8917]

👍🏿I automate everything b/c my life is busy

[@peauela1775]

I don't know where to start with investing :(

[@ivareimers-roberto9194]

K have $10k in a TCD and another $10k in savings is that too much for contingency?

[@ramitsethi23]

No

[@tiagofaria226]

Sorry but I can't find the template Can anyone help?

[@ramitsethi]

You can download it at: iwt.com/csp-youtube

[@Nikitikitavvi]

Great advice but... but.... where I live it's sooooo freaking expensive, my fixed costs would be an insane amount of savings... yes, i so want to move somewhere where fixed costs would be much lower

[@debracisneroshhp2827]

Good luck with that. 😢 That only works if you already have savings/investments and work at a job that's not hourly__otherwise, income will be lower in an area where the cost of living is lower. 💩

[@geronimocramos]

Can you make a video for small business owners? This one feels more geared towards salaried folks. As a solopreneur my business income and personal income are more intimately tied together.

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What's-- App