How I Went from BROKE to Financial Freedom | frugal living + minimalism

[@AtoZenLife]

Have you ever been laughed at or made fun of for not having money? Please give this video a like + comment below! 🤔Right now until St. Patrick’s Day you can save 50% off the 50-page minimalist budget bundle with the code LUCKY50 or by clicking this link: shop.atozenlife.com/discount/LUCKY50?redirect=%2Fproducts%2Fminimalist-budget-binder (Limit one use per customer. Coupon applied at checkout. Sale ends midnight March 17th, 2024.)

[@gwenj5419]

Yes. A friend of mine used to comment about my mismatched thrift store clothes. She always had cute, matched play outfits.

[@annissa8959]

Not personally, but I think it is as unsensitive as joking about someone's disability or illness in their face! 😢

[@MsVanja17]

I was laughed because i didn’t go to fancy holidays, and not drive extra expensive car.. but i end i laughed more because i never had any credit or any credit card in live!!! I drive good car what i buy in cash not credit, i go in holidays and i live much better then 95% of people around me because i don’t own anything to anyone 👍🏻

[@kimgordon3695]

You & Warren Buffett... 🥂

[@dianad1084]

Can you please link where from social security you got those statistics?

[@Susanhartman.]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@Grace.milburn]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .

[@mikegarvey17]

Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn

[@ThomasChai05]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $750k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@mariaguerrero08]

@@ThomasChai05who is your advisor please, if you don't mind me asking?

[@ThomasChai05]

‘Gertrude Margaret Quinto’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Jamaal67i]

The actions or steps you do to attain success determine its outcome. Developing sound habits, such as consistently setting aside money for reliable investments at regular periods, is essential to accumulating wealth. I hope that everybody who reads this will have success in life because financial management is an important subject that most people avoid and that will eventually come back to haunt them.

[@Peterl4290]

Investing is still a top priority, and starting early is really the greatest approach to get ahead and grow money. I learnt from my experience last year that by investing early this time, I was able to create a decent living.

[@larrypaul-cw9nk]

In actuality, I started investing in 2020 with no prior knowledge or expertise, but by the end of 2024, I had turned a profit of about $1 million. I had only been following the advice of my financial advisor. This shows that you don't even need to be a great investor or work hard; all you really need is an expert to help you.

[@sabastinenoah]

I’ve been worried sick about the current state of my portfolio, who is your advisor?

[@larrypaul-cw9nk]

Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@sabastinenoah]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@LJernegan]

I am 50. What I have learned is that while these goals may seem to take a long time, the time will pass. You can get where you want to be with small steps taken each day. The sooner you get started, the easier it will be.

[@AtoZenLife]

This is so true! 💯

[@cjhoward409]

Same thing goes with fitness. One day at a time. And being consistent is key !

[@katfangtastic1420]

I just made the final payment on my mortgage last week, almost 10 years ahead of schedule. I've not let my eye off the prize for the last few years now, ever since I decided to buckle down and get rid of my mortgage. Being completely debt free is such a liberating feeling 😊. I've loved your content along the way, keeping me motivated not to spend my money on frivolous purchases - so thank you for that! ❤

[@AM-bm2xw]

Congrats on paying off your mortgage, what a huge win!

[@katfangtastic1420]

@@AM-bm2xw Thank you!! ❤️ It's such a relief and I've been waiting for this day for years - yet now it's here, it almost doesn't feel real somehow. I'm sure it will sink in next month when I start planning investments etc more seriously. Thanks for your kind words.

[@irmapatino167]

Congratulations 🎉

[@kimgordon3695]

People need to know HOW Pay 10% to principal every mo. Pay off in 1/2 the #TERM. 📣

[@victorcretu7741]

I never pay anything ahead of schedule! Never! All my payments are clockwork, never late, never early. I use my credit cards based on their grace period. I feel at peace when I know that I got the maximum from every dollar spent/invested/borrowed.

[@Casey-summer]

Creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets.

[@mellon-wrigley3]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@lilyhershey1]

You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.

[@Gallo-firestone]

@@lilyhershey1 That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@lilyhershey1]

Izella Annette Anderson is my FA, simply do due diligence . You'd find necessary details online to work with and set up an appointment.

[@sloanmarriott5]

I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@stevenrue3654]

This is the type of woman that will have you retiring early with millions. I wish one for everyone.

[@micheal_mills]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.

[@SladeCirrincione]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@Martina-Alan]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@Pamela.George]

How can I participate in this? I aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@Martina-Alan]

Vivian Jean Wilhelm a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@Pamela.George]

Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

[@robinobrien6671]

An emergency fund is the best gift you can give yourself. Two weeks ago I had to fly with my family at the last minute when my father died. There were many unforeseen expenses. Grieving a parent is hard enough without worrying about how to cover the cost of travel, accommodations etc.

[@ShareHeart1218]

I’m so sorry for your loss. The loss of a parent is so difficult.

[@vedasindhoora187]

Sorry for your loss... ❤

[@narobiwilliams6742]

Prayers for your family. I am sorry to hear!

[@robinobrien6671]

@@narobiwilliams6742 ♥️

[@robinobrien6671]

@@ShareHeart1218 ♥️

[@kh0034]

When someone says something so hurtful and negative to you, they are probably in a hurt and negative space themselves. Not to excuse their ignorant and destructive behavior but to keep in mind your truth and what's really important to you. Those are people to stay away from. Sorry you went through that horrible situation.❤

[@meerir5754]

Or they’re just an asshole. It happens.

[@francoisea.1713]

Don't forget companies, they hate minimalism. They write undercover troll text too.

[@pippas5808]

If a person's identity and feelings of self worth rest in the amount of 'stuff' that they have, they are going to feel threatened by anyone who doesn't need a lot of 'stuff' to feel ok.

[@veronikab1607]

My thoughts 100%! Its important though to keep that in mind and not get irritated by such mean comments. ❤

[@kh0034]

Thank you. I hope this helps others with this situation❣️​@@veronikab1607

[@EmilyBrowyn]

I would much rather be like you than whoever made that "trailer trash" comment. I don't know how they live, but they clearly didn't learn any manners.

[@kimgordon3695]

Kid Rock has our song Smart: #WTP 🎶

[@Walperion_Music]

What if that "trailer trash" commenter was Warren Buffet...

[@MyFocusVaries]

You have overcome alot of trauma. Your partnership with your husband is quite amazing.

[@davidd.8256]

My godparents told me that you may not be able to save yourself rich, but you can spend yourself poor. Good wisdom!!

[@Pinkbear20]

I am in my 40s but growing up I was bullied for my clothes. People would say, "She is wearing that shirt again." The worst was when I accidently went to school with the clearance tags on my shirt from Walmart. You can imagine I was bullied for being poor. Even in college I wore a cheap watch my mom got me. My boyfriend in college was wealthy and he asked me what do you consider to be a normal amount for a watch. To this day if I need clothes I will thrift or go to Walmart and I still wear the cheap watch from college. People can be really mean. Now I don't care about their opinions anymore.

[@RussellCambell]

I once watched a TV show where they were interviewing teenage girls who had affluent parents. One girl said she spent $600 a month on average on clothes. I think in my family growing up that would be the clothing budget for the whole family for the entire year.

[@jeannette7243]

I am really sorry that you had to go through that.

[@thesugarwitch_co]

I'm almost that age and went to a school in a district full of affluent asians that were very brand oriented, and I had a hard time whenever they asked about my clothes after finding out they were non brand or hand me downs. My friend's mom started giving me her used brand name clothes, and my mom later got a part time job at Macy's to get a discount on brand name clothes. I ended up becoming more punk in lifestyle because screw all of those people.

[@Pinkbear20]

@@thesugarwitch_co thanks for sharing your story. I am glad that you are able to be fully yourelf

[@teeeteee000]

Not caring what people think comes with age. The older you get, the more peaceful your life becomes because people and their bad energy doesn't phase you one bit.

[@JT-um9ss]

Trailer trash? Seriously? You're smart, financially savvy and absolutely gorgeous! Keep up the great videos!

[@ashleymcgee3536]

It’s so sweet of you to give the benefit of the doubt to those around you who didn’t understand your situation, but it really does go to show that you should always be kind because you never know when someone is going through something.

[@BrigetGstar]

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same st0ck. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!..

[@SophieLoschy]

The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy, you must be a skilled practitioner..

[@AvelineOztas]

The best market strategy is to work with a credible investing coach. Since a while ago, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience..

[@OyunBabus]

Mind if I ask you to recommend this particular coach you using their service?

[@AvelineOztas]

My CFA Julianne Iwersen-Niemann a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@OyunBabus]

Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon. I plan to start the year on a strong financial note.

[@heatherncasey2004]

People are so strange. Why would they feel the need to be rude to you? You give wonderful ideas and advice that can really help people. You are inspiring. Keep doing what you are doing, you are fabulous!

[@Joy-zp5lv]

When you shared your collage story I was hoping to hear: And then a girl gifted me a pair of warm boots .. Sadly it wasn´t that! I agree with all 7 points you made but I think one is missing: GIVING! Even when I was a single mom always struggeling I gave a small amount each month to those who had even less then me. My kids are grown up now and I´m in a much better financial situation but I´m glad I always had eyes open for people in need. I´m a firm believer that everything you do/give will not be in vain. And I´m happy that my kids adopted my behavior. Hugs from Germany 🤗

[@AtoZenLife]

While I didn’t get a pair of shoes, my second cousin (who was a security guard on campus) did see me without a coat and lent me one with the promise that I would give it back, because it belong to his late father. I wore that for a while until I could afford to buy my own ☺️ And of course, I took good care of it and gave it back!

[@Joy-zp5lv]

That´s great! There are good people!@@AtoZenLife

[@kimgordon3695]

Tax Man loves YOU

[@denisecarter5117]

We were invited to a millionaires condo to stay for a church conference once. He was so kind to us including taking a few couples out for Peking duck. He drove a very old car and wore old out of style clothes but he owned all these condos on the beach and gave away money to help others. You can’t tell what someone has and calling them trailer trash is just being stupid and unkind. I hope she sees herself in my comment and learns something.

[@Patriciabanks5]

Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 23 months and l've accumulated over $70K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.

[@emiliabucks33]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.

[@Johnlarry12]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@frankbarnes22]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@Johnlarry12]

Carol Vivian Constable is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@frankbarnes22]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@Ramona-fu2kp]

Ich bin in bescheidenen Verhältnissen aufgewachsen. Wir hatten als vierköpfige Familie eine 2 Zimmer Wohnung, so dass wir alle in einem Zimmer geschlafen haben. In der Schule haben sich die Kinder darüber lustig gemacht. Gleichzeitig mochte meine damals beste Freundin ein anderes Mädchen mehr, weil sie immer tollen Urlaub machen konnte und schicke Kleidung trug. Das tat weh. Auch wenn es mir heute finanziell wirklich gut geht, habe ich nie vergessen was bei Menschen wirklich wichtig ist.

[@cennetruezgari5121]

Das kenne ich auch. Meine Eltern kommen aus der Türkei. Ich weiß noch genau wie wir immer auf pump Lebensmittel gekauft haben das nennt sich auf türkisch veresye. Samstag war immer der schönste Tag für mich weil wir dann immer eingekauft haben. Als Kind war ich noch nie in meiner Heimat gewesen weil wir als sechs köpfige Familie kein Geld dafür hatten.Ich hatte auch kein eigenes Zimmer. Wir haben zu sechst in einem Zimmer geschlafen. Um meine Privatsphäre zu haben habe ich mein Walkman benutzt und mich zur Wand gedreht . Manchmal habe ich lange aus dem Fenster im Bad geguckt weil es irgendwie keine Perspektive gab zumindest war ich zu jung um Dinge zu verstehen. Uns haben auch Nachbarn was zu essen gegeben. Später wurde es besser .Es war eine verdammt harte Zeit. Ich bin sehr dankbar dafür dass ich heute meine eigene Wohnung habe. Mir war das heiligste immer ein Rückzugsort und den habe ich jetzt.

[@the_cat_stacks]

You can do so much at your local library! They've got books, music, movies, streaming services, household things, there's so much there. And all you need is a library card! Which is free! Go to your library people!

[@buckeyedav1]

I love my library. Anna In Ohio

[@silviak.s.8236]

I agree! I love libraries too !!! Everywhere I was living in I had good experiences with. Yes, 4 countries. If you are new in a new country or city I can totally recommend it yes, try it out. For me it was always a game change. Specially if you begin to learn the new language and you’re finding out ways to get to know nice people, and new ways to volunteering in a new place. 🙏🤗👍

[@JasonPowers-rw8rf]

I love the library!

[@Linda.xing-tj2fh]

Great video, Transitioning from broke to financial freedom is a journey that requires careful planning, especially when it comes to investing and securing a stable retirement through a 401k plan.

[@Sanchyfab]

I've been exploring ways to break free from financial struggles, and investing seems like a promising avenue. But with limited resources, I'm unsure where to start.

[@Thomas-ff7wn]

Investing in a 401k plan could be a solid first step. It allows for tax-deferred growth and potential employer contributions, setting the foundation for long-term financial stability

[@Thomas-ff7wn]

Have you considered maximizing your 401k contributions?

[@Sanchyfab]

No​@@Thomas-ff7wn

[@Thomas-ff7wn]

Consider employing the services of an advisory firm. They will help you create a game-changer opportunity for building wealth.

[@MsMyers-ui8ci]

Many ppl are not supportive of living within your means. PPL think you are struggling or poor, or that you don't REALLY want to not shop or go out to dinner, you must be broke. Its really amazing. My friend group is drowning in debt but they are critical of me for being frugal.

[@missymischief1802]

I have had the same experience. People love to judge. I have few wants and enjoy my simple lifestyle, knowing it’s want less that creates more wealth.

[@kimgordon3695]

Imagine their opinion when they live in their Car...

[@AyH25]

I had holes in my shoes in college which was fun in the rain….also got stuck in a parking garage bc I couldn’t pay to leave. Same thing with toll booths. Good times- much better now!

[@Riggsnic_co]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@Jamessmith-12]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

[@Syndiewndell]

Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.

[@Syndiewndell]

Credits to 'Carol Vivian Constable' she has a web presence, so you can simply

[@JacquelinePerrira]

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

[@patdennis2586]

Good reminder that none of us knows the struggles our fellow humans are dealing with on any given day. Kindness and compassion are the best response.

[@kimgordon3695]

good reminder

[@RobertBrown..]

Considering how volatile the stock market is right now, I think investors should focus on cheap stocks. Of my $270k portfolio, 35% consists of formerly well-regarded stocks that are currently experiencing a sharp decrease. I have no idea how to escape this awful circumstance.

[@AshlelThomas]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.

[@SarahTaylor_]

Many people minimise the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm solvent. I looked for licenced advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@SarahTaylor_]

Kenna Muriel Hesseling is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@buckeyedav1]

I am retired now and on a fixed income. My house is paid off, my 5 year car is paid off and only has 24,000 miles on it which at the rate I use the car will last the rest of my lifetime. While I am frugal there are always new things to learn about saving money. One thing I have recently started doing is donating heavier blankets they are harder to wash and dry and take up a lot of energy to do so. Thinner blankets are easier and if it's really cold you can always layer thinner blankets. That's my frugal tip today. Anna In Ohio

[@megwood4556]

The sock story - thank you for your openness about such a painful time in your life. Youre amazing .

[@LifeInSlowMaking]

I love that you acknowledge that some people get into financial trouble because of unfortunate events out of their control like medical situations etc . Sometime/most of the time in the finance-advice world, it seems like if you are poor it's ALWAYS because you are "Lazy" or "stupid". Great to bring back humanity in finances . ❤

[@angelaraymond3271]

We are slowly making our way to saving to buy our first home, me and my boyfriend are still quite young but we are both proud how far we have both come, for me personally I have never found much value in buying stuff, we live very minimally to the point that some family almost look uncomfortable when they come in because our home to them is way to empty, but we just love it and it’s so simple to manage and clean, I am on a no buy challenge but to a even greater extent, we are challenging ourselves to see how little we can spend so we can start paying down debt and saving. We know when the time is right our perfect home will reveal itself and it’s so much fun and inspiring to be able to get closer and closer to that goal quicker and living financially free. We love the lifestyle we have created for ourselves now it’s just a manner of maintaining it better and getting more and more clear on what brings us lasting value.

[@kimgordon3695]

Beautiful

[@amandalorian8317]

It’s not a good idea to buy a home with a boyfriend. The legal protections of marriage, particularly for women, are pretty important. Whatever you do I hope it works out well for you.

[@JawlineDaniel]

I still recall those early days, hustling hard to save every dime. It really paid off! In just a few years, I managed to stash away a cool $52,000. Back then it felt like a drop in the ocean, but boy, did it balloon into something substantial over time. Lesson learned: form good habits, every penny counts on the long run

[@AlexMorgan4live]

You're right. despite saving since my 20s, at 40, I have to avoid luxury splurges, stay updated about tax-efficient accounts and prioritizing retirement are crucial. I've seen many struggle, but early saving helped me avoid those challenges

[@RobertNoppers]

right, If only I'd done that earlier. health issues nearly led to my retirement at 56. Despite past financial errors, I invested wisely. Now, two years later, I've saved $1 million, nearing my $2 million goal for retirement at 60

[@MikeDavis-zg2ud]

you are lucky to have turned things around as timely as you did

[@RobertNoppers]

it was research, not luck, led me to Emily ava milligan, one of the best fund managers. 300k to this, definitely not

[@MikeDavis-zg2ud]

After I pasted her name into my browser, her website appeared instantly. It's tough to find tangible examples like yours to reference. Your share is appreciated

[@LizzieMcG_bahdi3]

I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.

[@AlisonStone-yc9ri]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@KatieBrookes-ob2qs]

Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.

[@AnnieBeckford]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one

[@KatieBrookes-ob2qs]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@SamanthaCole-yq4ov]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@rannyorton]

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

[@belljoe]

Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@dawsondanny990]

I thought about investing in the real estate market, I heard that people make millions , but I lack good knowledge and a strategy to outperform the market and generate good yields. I have $460,000 but it's hard to bite the bullet and do it. Money is hard to come b

[@latanyaconlontl5849]

I began my investment journey at the age of 38, primarily through hard work and dedication. Now at the age of 40, I am thrilled to share that my passive income exceeded $100k in a single year for the first time. This success reinforces the importance of the advicmonth e mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.

[@belljoe]

interesting ! can u share more details?

[@latanyaconlontl5849]

She's known as Julia Hope Marble''. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@nataliepadilla1568]

I am 37 years old and work at at gym i wear the same 2 outfits even though i work 5 days a week. I know my peers judge but at the end of the day if i buy a new outfit it will take away from our necessities.

[@staycehale5903]

Do you have a uniform or wear workout clothes? If you need/want another outfit. I’m trying to get rid of some clothes. I could donate :-) but no worries if not! Nothing wrong with that 👍🏽👍🏽

[@cynthiameinhardt3315]

You are absolutely amazing!!! Congratulations on Financial Freedom!!! I’m sorry that that person was rude! You are awesome!!!❤❤❤

[@AtoZenLife]

Oh man, I wish people could get paid $1 for each rude comment - we’d probably all be financially free on that alone. 😂 Thanks for watching!

[@MyFocusVaries]

❤️ what a terrible judgemental comment. Mostly on poor people. Because it doesn't apply to you. But just so mean to use that term to talk about people who are just unfortunate.

[@DawnyG]

You and your husband have overcome quite a bit, and seem to have a wonderful relationship and life. Be proud and screw the trolls and naysayers!

[@cjhoward409]

When my husband and I were first married, we went 2 years with no living room furniture. We had an old cared table and 4 chairs for our kitchen set. Our mattress was on the floor and we had our clothes stacked on the floor in piles. We were saving up for our home. Fast forward. We’ve been consumer debt free for decades now. We have a 3,000sf home that never had a mortgage on it , on 5 acres which we wrote a check for. Peace of mind. 😀

[@karenmccormick9315]

I love your videos and look forward to them every week. You are very inspirational. I gave up meat and most processed food a couple of months ago. I could not believe the reduction in my grocery budget. Great way to save money and become more healthy.

[@AtoZenLife]

That’s amazing, glad you were able to save! 🙌

[@janetgreenblatt6656]

Shame on those people who made those awful comments. I think you are extremely intelligent and have made an awesome recovery of your life with your children and your husband and your in-laws. Don’t listen to those jerks they don’t have anything they should go live in a trailer park they’re not living on the street so they shouldn’t be laughing and pointing fingers. You look just fine and our beautiful inside and out. From one of your deepest fans..

[@AtoZenLife]

Thanks so much and happy to have you here, Janet! 🙏

[@roxanaescolar187]

well said!!! ! --- "I'd much rader live below my means and be comfortable and frugal then try to live according to someone else's standards and end up going broke trying to look rich" !!! --- I would make myself a frame with that quote 👏👏👏

[@AtoZenLife]

Glad you appreciated that! 🙌

[@DuchessOfWales]

I just lost both parents since last June while dealing with a domestic violence situation...the will is a whole other challenge when siblings belong to the bank. Just want to say that I think of you and your courage at every dark corner of this. Hats off and thank you for all you have shared - you help so many with your example and great videos. Best to you and your lovely family! 🤍❤🤍❤(Canada)

[@WhereIsDustin]

I remember well… I was so poor when I was just 13 years old when another student called me a name just because my socks 🧦 had holes in them… I’m financially independent now. Thank you for your kind videos. ❤

[@AtoZenLife]

My husband only had one pair of shoes and socks, same situation as you. 😢 Thanks for watching and sharing your story 🙏

[@InnerGiggles]

Dustin, I can relate. I have too many socks now. But I still mend them and wear them until they can’t be saved. Then I use them to wipe things down and clean around the house. At 13, we just don’t understand the value of not filling the planet would trash. Or any clue of how to work for all the things that are bought for us. Kudos to you for reaching financial independice. I’m very happy for you!!!

[@blessingjob9583]

I need to be financially independent but it seems impossible when living from paycheck to paycheck. Also, even when I have saved some money but I don't know what business to do with it rather than still working my ass for NHS😢 Recently, I developed interest in buying stocks or crypto coin but I really need a coach/mentor

[@oliviaralston1]

Successful people don't become that way overnight. What most people see as a glance of wealth, a great career, and purpose is the result of hard work and hustle over time. I pray that anyone who is reading this will be successful in life..

[@vickia.weaver7488]

imagine investing in Btcoin earlier.... You could have been a multi millionaire precently

[@BryanSmith-cc9iy]

​@@vickia.weaver7488 You are right. Been thinking of going into gold and cyptocurrency

[@Brookeinda]

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

[@MillicentCarter]

Not because of ignorance, it’s because of the high rate of unprofessionalism in the cypto market

[@hamidu_-]

I’m new to cypto trading, feels overwhelming but I won’t give up on learning this. Thanks for your clear explanation from the very beginning!

[@cashflow68]

Great video. Im NO show and All dough. I love it and nobody bothers me. I blend right in.Thanks for posting

[@daryljohnson9010]

Throughout your videos there are so many useful tips for those of us forced into minimalism thanks to steep declines in our small business revenues. Thank you; they are appreciated.

[@jenpisano5954]

When I saw the trailer trash comment I gasped out loud! When I watch your videos I ADMIRE how your house looks and how you dress! You and your home, your lifestyle, your family- you look CLASSY, inviting and your home seems comfortable and feels loving to me. I admire you’re style and look!!! And LOVE your content!!! I work more and more to be more minimal!!!😊

[@AtoZenLife]

Thank you so much for your kind words and support - comments like yours are so much better to read than the other kind 😂

[@jenpisano5954]

@@AtoZenLife❤

[@schuylergeery-zink1923]

Whenever people are toxic af I think “oh no! I’ll just keep being successful and you just keep being negative over there!” 😂 can’t make everyone happy and if you’re irritating the cranky people then you’re doing something right, take it as a compliment! 💖

[@dayday8332]

I can’t believe someone called you trailer trash. That comment says everything about them and nothing about you! There are always haters. I think you are FABULOUS!!!

[@AtoZenLife]

🙏 ❤️

[@Lisa-ee5ev]

I love your home(s). The always look warm and inviting. The trolls and naysayers are jealous and/or just plain mean. May they be blessed someday to know peace as it is surely what they are lacking.

[@christopherhurley8694]

I love my Excel spreadsheets. Budgeting is easy and fun when you meet your goals. Financial freedom is part of true happiness. Love this video.

[@clydare]

Love this video Marissa. I too came out of an abusive relationship which cost me a fortune. My only regret is that I am too old now to implement a lot of your strategies but the great news is that I am debt free and intend staying that way. Again very many thanks 🙏

[@shannonk4653]

There will always be haters. Thanks for sharing your story. I respect your journey and how far you've come and all you've done! Keep at it!

[@treatmebetta]

That was a dick move from that professor. Glad you don't listen to silly comments either. I enjoy your videos very much and appreciate you putting positive practicality out into the world.

[@jenniferlundquist1712]

Those negative comments are so bizarre, you seem to be living such a rich full filled live!

[@chgomez101]

I love your videos! Please keep them coming! I’m very inspired by your journey. Thank you for always being so transparent and helpful! ❤

[@jesuschristfollower6251]

I'm sorry that someone called you trailer trash, it's such an evil world, that person is wicked, ignore them, you're awesome and helping so many people, thank you

[@ThaliahBailey]

”Anyone who is not investing now is missing a tremendous opportunity." As a single mother living in Spain, I purchased my second house in September last year, and I am on track to retire next year. I owe a huge thanks to Maya Payson for her invaluable help in making this possible.

[@katemorrison5444]

This lady called Maya Payson must be very good for people to talk about her this much. she also manages the investments of one of my colleagues. I'm impressed that you are aware of her as well.

[@ThaliahBailey]

Yes Kate she's very good, she is straightforward and one of the best so far. People who don't know her or those that haven't invested with her. would say otherwise but the honest truth is that she has helped more people than i can count and that has to stand for something.

[@CharlotteGreen47]

I must say, she is definitely one of the best out there. Her expertise as a registered investment advisor is unparalleled and she is well-versed in the financial market. I had the pleasure of meeting her once during a trading conference in Oklahoma, and it was clear that she knows her stuff.

[@markdonald9985]

I'm not here to speak for her, but to testify to what I'm sure of, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya

[@EllieClark-nw9mp]

I heard about this lady on Larry Jones channel, please how can i get in touch ?

[@mcanultymichelle]

Wow.Honey you have been such an inspiration to me .I love the clean simple look of your home ,I sold my forever home to start over and recreate the simplicity of your home .It’s far from trailer trash .It’s not easy to create something so airy and calming.

[@lilouhl9012]

I grew up in a broke family with compulsive buying problems. The first part of my aldult life was not as bas as my family's but still messy. I started to follow you a while ago, and you inspired me to get rid of my clutter and my debts. I'm now free like a bird and closer to achieving some of my biggest dreams with my savings. Thousands thanks 🙏 PS: I feel sorry for the people who are leaving hateful comments. There must be something wrong in their life.

[@poodlegirl55]

Great video, you are such a role model. My husband and I were frugal and no matter how little we had we lived on less and managed to prosper and always make a nice home for our family. Many years ago he got a new job and a huge increase in pay. I remember us sitting around all evening talking about the things we would do with that money. In the light of day we decided that we had a good life how it was and he had the money just go into the 401K. You can't miss what you never had. Now that we are retired old people we look back and realize it was the most important decision we ever made and are blessed by it in our old age. Just one choice or change can make a difference later in your life.

[@AtoZenLife]

Thank you for sharing your insight with us! 🙏

[@michellescerri6501]

I cannot believe that people can be so mean. Thanks for these great tips.

[@shantakoa8596]

Amen. I admire that you live a frugal life. You’re doing great for yourself and you are succeeding. Thank you for sharing.

[@RosalieXimenes]

I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

[@LouxCazaree]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@Christainfloyd]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.

[@PaulStaniscia]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@Christainfloyd]

“Marisa Breton Dollard’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@PaulStaniscia]

Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals and scheduled a call.

[@Debbiesdilemmas]

Marissa you are to be applauded and commended on the success you have after enduring hard times. You’re so right about looking poor but being rich. The people that are so worried about appearances are the people that go broke. I don’t see any point in trying to impress people. I was never the type of person willing to sacrifice my finances in order to look rich. My husband and I started our lives off together being more concerned about buying a home and paying off debt. My husband was even able to retire early as we always lived beneath our means. Sacrifice now so that you can relax later.🥰

[@Carol-wy4qy]

Fellow Hoosier here 👋 I absolutely love the way you live and your husband’s story and your story overall. I was also that poor college student. I couldn’t even afford glasses until my professor offered to buy me some since he noticed me struggling to see. Just wanted to comment that I’m with you on living within my means even if it’s not instagram worthy. Not caring what other people think has been the most freeing decision of my life. You’re beautiful inside and out and I love this channel ❤

[@AtoZenLife]

What a wonderful professor! Thanks for watching and sharing your story with us ❤️

[@susanfleming496]

Thank you for another informative and insightful video, Marissa. It really shows how much care you put into creating your content. Great job! ❤

[@leticiaamorim2739]

Great tips. We’re also on a journey of reducing expenses to build our retirement wealth.

[@LemonDust13]

Good for you escaping that relationship. Been there done that & know it's never easy 💪

[@kellythomas7555]

What a fantastic message! Thank you so much! Wish we had started this financial philosophy earlier in our marriage, but so glad we finally did. What peace of mind!!!

[@jandkhilbert]

Way to go with the college experience, turning it into a positive! Im with the grocery buying with less limit as i like to cook. So appreciate your insights!

[@carmenmendez1339]

Thank you so much for your shared knowledge, which is very helpful! I just became debt-free and working towards a 6 month expenses savings.

[@gregweston3770]

Wonderful, simple, no frills advice. Thankyou. Im from New Zealand and our housing costs are out of control. One of the most crucial steps to our goal of becoming financially free is moving to a cheaper city. Its been a challenging road but we bought a house one third the cost of the previous city. We now have a manageable mortgage which allows us to invest while living frugally. We have chickens, fruit trees, grow gardens, cook at home, buy good second hand clothes, etc. financial freedom as you've indicated is a varied approach.

[@melindanickols228]

Unbelievable how cruel and totally ignorant people can be- calling you “trailor trash”?!! Unfortunately, he’s the one who is acting “trash”. Very sad that he doesn’t see that about himself 🤔 .. life has a way of showing people eventually who choose to relate on such a low level, whoa to him 🤐 - You are a complete delight Marissa!! I appreciate you and love seeing you every week!!! Thanks for always being authentic, transparent, and encouraging in your content 🫶🏻🥰

[@indiabilly]

It’s revolting to comment on something so personal as appearances or choices, they are the people with no class, I have learned a lot from following you, your life is far closer to the one we aspire to - family first with priorities properly considered xx

[@nsprk201]

I am so sorry, that there are people in this world that are just so rude. I love the way your house looked in Germany, so minimal, and I am sure cleaning was a breeze!

[@indablack3807]

Great info. When you said that you saved 50% of your income I got excited because it let me know what it is possible. That's all that I needed to hear. 🎉

[@janethdiaz7471]

I Love your money tree metaphor, you have to PRUNE the dead leaves for new money growth,

[@rodneyenglishmadlitt9865]

Pure GOLD - thank you for the awesome advice!

[@PowerfulMoneyHabits]

I love your philosophy! Living with intention is not always easy. You will always have haters, I never give them any energy. Keep going!

[@SuperSweetgirl007]

I would have share my coat/clothes with you. I did many times in college with my friends. Thanks for sharing 💗

[@coetroy]

Such great advice, clear and concise. I’m so thankful I found your channel. Side note: I love your attitude toward negative comments and personally I really appreciate your minimalist surroundings. I’ll be diving into more of your videos for sure.

[@crystalihlenfeld7838]

You are definitely not trailer trash. I just stumbled upon your video. I am an SLP too. I know all the hard work that is put into becoming an SLP. I cried listening to your story. You are amazing. Always remember that.

[@BlitzPacAttack]

Your story is very inspiring. Thanks for sharing

[@youdeservethis]

You are NOT trash! Trash is a state of mind and behaviour. From what I can see, you have a lovely home and you always look clean and tidy. Pish Tosh to that person who called you trash! Seems like it was envy calling you that!

[@Kyriecat12]

My steps I took to be financially free: 7 baby steps of Dave Ramsey's plan. Life saver

[@carolinewehmeier6602]

Yes!!! Same!!! I love Dave Ramsey and Marissa Zen. Both helpful and inspiring.

[@mariaciupac3522]

People who laugh at people who save are a joke. They are insecure broke and miserable. Thank you for everything you do ❤️

[@YolandaPadilla-p1d]

Love your tips and grit, thank you for sharing yourself with the world.

[@gwenj5419]

One thing that helped us and allowed my husband to retire at 62, was to pay off our mortgage early. Every month I would make the paymnet and always pay a little extra towards the principle. Even if it was as little as $25-$50. Also, we never purchased a house that increased our mortgage and never took out seconds or equity loans for wants. My siblings all took out seconds for home improvements and still have mortgages in their 60's and 70's.

[@cjhoward409]

That would stress me out knowing I still have all that debt in my 60’s and 70’s.

[@daphinemarunga4974]

I love your table and chairs. Beautiful simple life. We don't have to complicate life

[@bethkapps1858]

Last night celebrated my husband’s birthday and gave him card telling him paid off mortgage. What a great feeling.

[@AtoZenLife]

That’s incredible 👏

[@michaelmyerslovesbooks]

We are debt free, except for our mortgage. Thanks for all of your helpful tips and for sharing so much about your life and personal struggles. You are such a bright light 🌅

[@Tux.Penguin]

❤ Great advice, Marissa. I appreciate the book list you included in the description. I already have The Total Money Makeover (which is a gold mine) Now I’ll need to check out the others in your list.

[@LisaGrace]

Make sure you keep saving/investing enough that if costs triple (like they did over the last four years), you can still afford your lifestyle. Doing a side-hustle you love--helps too.

[@aliciamarana]

Having a plan brings so much peace.

[@RobItica-sg2dw]

You're a Star. . some people are just haters (they ultimately hate themselves)

[@mariacabrera2850]

I have no debt since 2011. I paid off my credit card & vowed to pay cash & not get into debt again. I just got a secured credit card a few months ago to build my credit. I'm working two jobs to help my kid through college. I'm also looking to make some improvements in my home.

[@畑崎和也]

Following some tips from my brother turned into a decent win last month. Ever had a win that felt extra sweet because it came from a tip