The #1 Secret To Gain Financial Independence & Retire Early

[@TheMoneyResolution]

What's one big takeaway you got from this video?

[@laingmaryann]

I should have started saving for retirement much earlier.

[@TheMoneyResolution]

There's always time. You got this Mary!

[@Nepthu]

Pandemic created more savers.

[@nomadicvibesofelle]

It's not too late to get started and retire early

[@KC-kr8qe]

Love that you mention your younger family members. Real upstanding. Charity begins at home and family is everything ❤

[@mindfuljourney5667]

I save 100% of my income and live off side hustle money🙂

[@TheMoneyResolution]

That is freaking awesome. Seriously. #goals.

[@rachelbyrne8464]

That’s Amazing!!!

[@devonpeters9458]

Thank you for using an example of someone starting at 30 and not 18 like many others! Much more realistic for a large percentage of the population :)

[@TheMoneyResolution]

Absolutely! I started my journey at 31 personally. There's still time if you're 40 or even 50 to get on the path to retire early! Thanks for watching Devon 👍

[@warlockman-ri2jr]

Love this content my dude. I'm saving 55%of my post tax pay. I make 100k or more a year. This year I'm on pace for 115k. I'm also trying to save to retire by 50, 45if I'm lucky. I'm an electrician with no student debt, no other consumer debt and own my own home. Got about 25k saved so far, it tough with a wife and 3 kids but I'm very frugal and think I can do it. Im about the same age you are. I'm 32 now so we will see. I hope to follow your advise and meet you there in retirement. I live in western NY for cost of living reference. As always great advice. Keep it up. You rock.

[@TheMoneyResolution]

Thanks man. Really appreciate the note. You're doing awesome! 55% with a family is fantastic. Keep it up and I'm sure you'll get there in no time 💪

[@RetirementTravelers]

Just came across your channel and think you have a great content. Great advice for those of all ages. We completely agree that savings rate is critically important. We just retired at 55 and plan to travel the world and vlog our adventures. We went for about the last 10 years and we were putting between 30-35% in savings. Thanks for sharing some great advice. John and Bev

[@TheMoneyResolution]

Thank you for the note! Super glad it resonated. And congratulations! I'm excited to check out your journey and channel. You should hit 1K subs any day now so congrats on that too. 🙌

[@CourtneyRobinson]

I am 49 years old and I got divorced at 40 and was a single mother to four teenagers I had a mortgage & debt and was making about $30,000 a year. My total income with child support for my children and some spousal support brought me up to about $50,000 a year. My point is if you follow the principals of FI to the best of your ability you will be on a much better trajectory for your future. I will be work optional in six years and be able to retire comfortable at 59 1/2 if I choose to. For all the naysayers out there look around at your stuff all of it used to be money. You’re saving for your future even if you do 10% you’re better off than doing nothing. Do something. Live on less, make more, save. Good content. Thank you for your video.

[@TheMoneyResolution]

Thank you for watching and sharing your progress Courtney. Awesome job. Keep it going. I'm rooting for you!! Live below your means and invest the rest. You got it. :)

[@HogbergPhotography]

Retire, OR at least have the option to work if you want to. Thats what Im aiming for. Been saving 65% of my salary for the last 3 years and I am NOT stopping until I am FREE. The plan is to retire before I turn 50.

[@TheMoneyResolution]

Crushing it!! Keep it going! Well done, seriously.

[@angdomise4319]

When I see people in their twenties working at coffee shops I think it’s so sad because they don’t understand that their race begins as soon as they complete high school, even if it means taking the ged. In fact I encourage young people to put 1/3 of their effort in high school in their future career by taking classes that are complimentary to their career goal so that when they enter college or a trade school they are that much more prepared. I also tell them to only take programs that are in demand and start at a wage of 60k or more because they need to reach a goal of saving 50k per year. They should continue to save until they reach 500k . They should also find a partner who is willing to do the same. Young people are encouraged to squander their twenties not realizing how important their twenties are

[@TheMoneyResolution]

The 20s are critical for long term success. If you get focused and educated early, it gets so much easier. That said, I didn’t start at all until my 30s and I’m well on my way! Anyone can do it at any age if they are motivated. But yes, young is great!!!

[@naterallegend8464]

I’m definitely digging what this guys is putting down!! 💰👌🏼

[@TheMoneyResolution]

More to come!! Digging the music and channel. Financial independence and saving would be an excellent topic for a song. I'm not sure one exists currently lol :)

[@chuckmurray1825]

FIRE is wonderful and I'm all for it but there is one huge variable that is not calculated here, and that's healthcare costs. If the U.S. does not come up with a public option for people to buy health insurance, many people will not be able to retire early. I've had a few friends who have become seriously ill and watched what happened to them medically and financially. My friend who just went through it recently, lost his job because he used too many sick days with chemo and radiation. When he lost his job, he lost his health insurance and his income so he was forced to use his savings to pay for treatment because when you are terminated by your employer, you only have minimal amounts of remaining healthcare coverage which may or may not see you through to purchasing through the open exchange known as Obama Care. So my friend, lost his job, lost his income and lost his health insurance. He applied for Medicaid and was denied coverage because he owned a home and had a retirement account. His retirement account quickly disappeared and he lost his home trying to pay for all the treatments. By the time he depleted his assets and was finally eligible for Medicaid, he only had a couple months to live. He lost his battle with cancer and he was incredibly stressed up to the very end because he watched everything he worked for over a period of decades, get wiped out. This same scenario has now happened to three of my friends. What I would say to everyone is that FIRE is a wonderful thing, but you must make sure you account for healthcare and it's an unknown cost because the U.S. does not offer a public option to buy health insurance. This is why I no longer vote Republican. It will never happen as long as they control the government. If we get a public option for healthcare, many more people will be able to retire early because they are good savers. We should not go bankrupt because we get sick. It's just inhumane. I'm probably moving to Portugal where the cost of living is 35% cheaper and full coverage private health insurance is $1,600.00 per year.

[@TheMoneyResolution]

I'm really sorry to hear about this Chuck but it is eye-opening (for me at least). I was going to make a callout about the importance of HSAs but you already mentioned that elsewhere. Thanks for watching and opening up about this. It's good to help with perspective and being super prepared for the unexpected.

[@RoadtoFIRE]

These stats are insane! We are working on getting over 50% right now. Just around 45%. Great video!

[@TheMoneyResolution]

That's awesome! Every 1% improvement matters! Love your channel name and content. Keep it up! :)

[@tekootianderson]

They don't teach this in schools because the entire economy requires modern day slaves (go to school and get a job) to make money for the rich and wealthy. The day you earn is the day you're considered a commodity by the taxman, the retailer, the insurance broker, the employer, the travel agency, the finance industry, the entertainment industry etc. You are the cash cow for others.

[@TheMoneyResolution]

Education (and time) are our most valuable assets! Unfortunately, they didn't teach us finance in schools. But once you understand there's a way out of the rat race, everything can change for you. 👍

[@pandabossanna]

Great video, you've got a new subscriber here :)

[@TheMoneyResolution]

Thank you - that means a lot! I checked out your channel and subbed to yours as well. Awesome job on your journey so far. Love that you have such a specific goal and you're well on your way!! 🙌 I might eventually create passive income reports as well after seeing yours!

[@angdomise4319]

Save all and get a part time job. Use your part time wage as spending, including for rent

[@TheMoneyResolution]

Smart indeed!!

[@rachelbyrne8464]

I am just at the start of this journey. A week ago we paid of our house and are debt free. I am 45 so not that young however I live in one of the dearest cities in the world, Sydney Australia. I am now contemplating how to not work forever. We have only ever invested in realestate before so am going to have to start learning how to invest in other things. I wonder if I am too late to the party?

[@TheMoneyResolution]

Absolutely not! And congrats on your awesome progress! A few months back I shared my top 5 tips for investing. That might be useful if you mean investing in the stock market. Either way, keep it going and best of luck Rachel! 👍

[@gert-jank8992]

Congratz!!! Should be awesome to be so far on your journey! You are far ahead to the most ppl!

[@rachelbyrne8464]

Gert-Jan K thanks. I am really trying to learn from these Chanel’s. Some incredibly smart people.

[@DCfan778]

Everything sounds nice and all of that, but how am i supposed to earn 25k in a year! Let's be realistic, with minimal wage here in Latvia i earn less then 10k a year. The question is not how to save but how to earn those thousands, even 1k sound astronomical huge money for me...

[@TheMoneyResolution]

You have the right mentality. Focus on earning more money for your specific situation. Everybody's situation and path are different. I would also add: continue to learn about new ideas and concepts when it comes to financial education. Just by watching videos like this, you're already ahead of most. Keep it up Anete and stay positive. Cheering for you from afar!

[@Myminimalistlife_x]

I absolutely agree with the 50% savings type of rule! Great info.

[@TheMoneyResolution]

50 for your now, 50 for your future. It's simple and works :) Thanks for watching!

[@LoulaGarcia]

I can’t save 50% for FIRE if in saving for a down payment as well

[@TheMoneyResolution]

I would actually consider that downpayment part of the 50% savings! That's because it is money that positively increases your overall net worth :)

[@mpjsac8951]

Wow! This prompted me to calculate ours and we are saving 59% of after tax income. We are saving to buy a house 🏡

[@TheMoneyResolution]

That's amazing! #goals. Thanks for watching and sharing!

[@SebastianPappG]

What's your main source of income and in what u invest exactly? To have a roi of at least 10-20% a year. I wanted to sign up for both Vanguard and betterment, also for wealth front but neither of those are accepting applicants from my country here in Europe, idk why.

[@richvail7551]

The last few decades show that we are not going to be able to save for the future and the risk gamble of investments is now even worse than the previous odds. Our governments have shown that at a drop of a hat they will obliterate any area of financial success that involves middle/lower class people. Honing ones skill of understanding themselves and getting yourself into the right part of the world to make a peaceful lifestyle for you and ones family is the best investment that no one can ever take away from you.

[@TheMoneyResolution]

Always great to keep learning and try to get ahead and stay ahead. You're right that there's a lot we can't control. So I try my best to focus on what I can control. Thank you for watching Rich!

[@sugarcoder]

Sadly, I just started saving for retirement. At this rate, it looks like I won't be retiring till I'm 80. :(

[@TheMoneyResolution]

Just keep focusing on increasing your savings rate for now. And try to stay positive :)

[@angdomise4319]

This

[@WealthWisdomFinancial]

great video. I like to also think about making at least a 1% shift every quarter. it builds up fast and isnt a shock to the system.

[@TheMoneyResolution]

Yes, that's such a perfect way, especially if you're just getting started. You hardly notice. If you remember to do it consistently you can really amp up your savings and retirement accounts! Thank for watching :)

[@ThisIsOurRetirement]

Great video with some very interesting points , we have actually retired early at 55 and we are now 60 and have shared a lot of our financial experiences in retirement on our channel. It’s surprising what crops up when you are living through this , hope you are staying Safe and keeping well have a great week Cheers 🍷👍🍺😎

[@TheMoneyResolution]

That's awesome and congrats! I'll definitely check out your channel. I love seeing other people's journeys at different stages of reaching for/achieving FI!

[@IsabellaGFinance]

Oh wow I thought your channel had like 30k subs Your content is really good!

[@TheMoneyResolution]

That means a lot Isabella. Slowly but surely - just like investing and early retirement! :)

[@scorpio6481]

@@TheMoneyResolution I, too, think that your content is really good. Therefore, I just subscribed and hit the notification bell to receive all of your new videos. I will be 56 on October 29th, and I don't have much more than a 6 month emergency fund so far. I live in an area where one is blessed to be able to earn between $30,000 to $40,000 per year. Many of the books I have read and what I find here on KZbin have the 20 to 30 year olds, earning 50K annually, as their target audience. I may never be able to fully retire, but I believe that it is not too late. What can I do to get started? I'm a single male with one adult child (she's on her own), I rent. I still have roughly $18,000, in student loans. My vehicle is paid for. And, I became "self-employed" in 2016 and am struggling to maintain my $25-30,000. income. Please, help me!

[@TheMoneyResolution]

I appreciate your kind words and super appreciate your perspective! There's no magic advice I can give but generally speaking the answer is spend less or earn more. For you, maybe focus on earning more. Perhaps you could consider looking into a side hustle that's online in your spare time, since its sounds like work is tough where you live. I've made a few side hustle videos that are super up to date as a good starting point. OR use that vehicle to side hustle (Lyft, Instacart, Turo, Wrapify). But by the way, 6 months is great! Don't beat yourself up. That's something. Plus a paid off car. Nice. Best of luck and thank you for watching!!

[@fififinance7469]

"When you buy something, you are not paying it with money. You are paying with the hours of life you had to spend earning that money." José Mujica My two pennies worth.😀💪

[@TheMoneyResolution]

Yes. This! So, so true. I definitely ask myself "how many hours will this cost me" when I think about making a purchase. Thanks for watching!

[@fififinance7469]

@@TheMoneyResolution My pleasure, I do think time is super powerful especially when starting early. I wished I had started sooner, and not with a crazy strategy but just investing consistently over a long term. Leverage and compounding are functions we should be made aware of quite early on in our working lives or even before! I do have a personal finance channel and would be great to get you feedback, and connect if you like it :)

[@TheMoneyResolution]

I will definitely check it out this weekend!

[@rachelbyrne8464]

That is a profound mind shift!

[@Nepthu]

Growing up, my parents taught me to live off 90% of my income and put the rest in savings. My savings is now swollen, and I've started putting more into investing that I found FIRE. I've always been living the FI part but didn't know it. Since the pandemic, I've increased my savings/investing to 30%. I'm inching toward 50%. Great info!

[@TheMoneyResolution]

That is awesome and thank you for sharing! Honestly, I was "resistant" to saying I'm FIRE but a few months back I realized I'm already following the same principals and it's working. I need to double down, keep learning, and spread the good word! Keep it up Nepthu!

[@Nepthu]

@@TheMoneyResolution Thanks buddy. I appreciate it. I wish I had started investing sooner but saving has been my philosophy since I was a kid. Most of the time I could afford things my friends couldnt like vacations, etc. It was years before I knew how many people live paycheck to paycheck. All we can do is learn as we go. I look forward to seeing what else you post on your channel.

[@selm006425]

Just found your channel and agree with everything you said! I got started late in life, but am on the right track finally, so I guess that's what counts 😅

[@TheMoneyResolution]

That's awesome! It's definitely never too late if you're committed. Hope you'll consider subscribing if you haven't and checking out more videos. Best of luck Louisa!! 👍

[@laingmaryann]

I wish I could do this. I pay half my net salary in rent. I live in an expensive city. Nice information.

[@TheMoneyResolution]

Mary I totally hear you. I get it. 100% been there. With time, patience and continued commitment you can get there. Start with 10 or 20% - an excellent goal. And remember, it’s not the destination, it’s the journey. Best of luck. I super appreciate you watching.

[@tishisabraziel1906]

@@TheMoneyResolution Mary: move or do a housing hack

[@tyrecarmon20]

Hey man, this is my 2nd video that I have watched from you and you really motivated me out of my slump. I am going to boost my emergency savings to a whole year to get me started. Jim Collins calls it “F-You Money”🤣🤣. But man thank you for the content!!

[@TheMoneyResolution]

I really appreciate the feedback Tyre. Helps me stay super motivated when people share that it helped. Plenty more to come. Be sure to sub for those :) I mentioned FU money on today's video!

[@tyrecarmon20]

@@TheMoneyResolution you are welcome

[@sydniemerrick2353]

Thanks ! for once someone who mention the fact that saving money to go on holiday or spend for xmas presents is not savings !

[@TheMoneyResolution]

Totally! It's good to do but doesn't count towards your "savings rate". Thanks for watching!

[@valeriegrenier5250]

Maybe the 50% savings on pre tax money works in the US but I think we may be paying more taxes in Canada lol, I am left with 60% net income, I dont think I could live off 10% of pre tax income unless I would live in my parents basement lol :(

[@TheMoneyResolution]

You can always aim for half of post-tax income. Definitely adopt the strategies or big ideas to fit your own life situation. It won't be perfect for everyone. BUT I hope it encouraged you to aim to save more :) Best of luck. I've heard a few others talk about Canada tax law. I need to learn more about it for sure.

[@inea-fijourney22]

great info I have been working on increasing my savings rate. Right now focused on paying off debt and investing a bit. will achieve Financial Independence in a couple of years! started my channel to document my entire journey. liked and subbed #894!

[@TheMoneyResolution]

That's awesome. Congrats on your progress and thanks for the sub. I'll check out your channel too!

[@chuckmurray1825]

On your list of savings accounts, the HSA is #2 for me after Emergency Fund. The reason is that an HSA account gives you a triple tax benefit and acts as an emergency medical fund that you can continue to grow and use later when you retire while not paying taxes on it or the growth accumulated from the investment portion of the account. I'm a fan of HSAs! (in case you could not tell).

[@TheMoneyResolution]

Yes! I debated that. I personally agree but thought the other was probably more common/easy to get your head around as a starting point. But I appreciate the feedback and you sharing Chuck!

[@thelevelswithbronia-financ6304]

Love your definition of saving

[@TheMoneyResolution]

It's definitely NOT money you saved for short terms spending :) Thanks for watching!

[@nors3732]

Great content!

[@TheMoneyResolution]

Thanks Noreen! I really appreciate it!

[@emptycloset5645]

Good job on making this video. You’ve touched on simple concepts but very valuable concepts and hopefully a few people will be inspired to follow suit. Good luck on i our you tube journey.

[@TheMoneyResolution]

Thank you. I super appreciate the feedback. Lots more to come 🙌

[@noellehilgesen612]

Thanks

[@TheMoneyResolution]

Welcome!

[@shannonwhalen4821]

the new 50-30-20 = savings - living - spending

[@TheMoneyResolution]

That should be the title of my next book: "The New 50-30-20 Rule". Love it Shannon!

[@shannonwhalen4821]

@@TheMoneyResolution looking forward to those royalties ;)

[@TheMoneyResolution]

@@shannonwhalen4821 actually I might make it a video... I’ll give you credit if I do! 🙌👏

[@umeshdhond]

Good video. Timely message for the younger generation. 50% is rad.

[@TheMoneyResolution]

Thanks! Start early, save often! 🙌

[@susanlewis1953]

Great vid - just subscribed! Thanks Sue 👍❤️

[@TheMoneyResolution]

Awesome and thank you Susan!

[@tomkat907]

Um, I live in Canada, and we pay 50% of my income in taxes. So we would be left with zero dollars?

[@TheMoneyResolution]

There’s no one size fits all plan (and I’m unaware of how taxes work in Canada - that’s a lot if true!). I simply hope I can inspire people to save more and learn about the impact increasing your savings rate has when it comes to investing and retirement. In part 2 I show specific strategies to help you save more. Best of luck and thanks for watching! :)

[@tomkat907]

The Money Resolution for couples, they could try to save one person’s net income, so just live off one income. We moved from the US and the tax burden is intense in Canada compared the US, so you have to get very creative!

[@barbarashain8287]

I mean, you gotta be making like $300,000+ to have anything close to a 50% marginal tax rate in Canada. Emphasis on the "marginal"-- Canada has a progressive tax system so not every dollar you earn is actually taxed at 48%. Of course, there are other "implied" taxes, like GST, provincial tax, property tax, fuel tax, tariffs on imported goods, etc. However, those taxes are usually rolled in to expenses for budgeting purposes. Point being, if you are paying taxes that high, drinks are on you :) congrats, you're a rich enough Canadian to not have to need to save 50% of your income in order to retire early

[@tomkat907]

Barbara Shain I’m including all our taxes. For example, we live in a small town and pay $6K per year property taxes. My point was if we saved 50% of our GROSS income, with a family including kids with disabilities, we could not survive. Before we moved back to Canada, it would have been possible. As it is, I will not be able to retire at 65, especially with the added costs this year due to COVID for our youngest with disabilities. If I was living large like you clearly ASSUMED with no knowledge of my situation, I wouldn’t be watching videos like this one. Instead I’m working 60-80 hours per week, trying to also take care of a family and stressing about how to pay for all our new costs this year. But hey, you know me from my one comment, so ASSUME away if it makes you feel better 😀

[@astriderachelleremy1289]

Hi Frankie, I accidentally clicked onto your channel and immediately loved your content! I am a new subscriber!!! Please enlighten me on this matter... If I am saving towards "everything" AKA creating sinking funds, then my net worth really is somewhat of an "illusion" because it fluctuates so much... technically everything does... from the stock market to the value of a home ... So what is a TRUE net worth? Would it be a set amount of cash saved as a foundation to continue to added upon to build wealth? Let me make myself a tad more clear; if my sinking funds/expenses for the year are 50000, my net worth would be what I save in CASH (not invested in the stock market) excluding the sinking funds. For example 1 year of salary saved in cash is what I can truly consider TRUE wealth building? my TRUE worth? Am I correct? please correct- enlighten me... Thank you!

[@TheMoneyResolution]

Hah - an excellent question. Yes, your net worth includes all assets, including those invested. So, you should include the investments and all savings in your number. However, I understand how this can get confusing/frustrating because it does change all the time - especially investments because of the market changing daily. Because of that, I don't get too hung up on knowing my "exact" net worth on any given day. I check it once a week or even just when I get paid to see how I'm trending. There are free sites like Personal Capital I recommend because you can see/track your net worth change over time. The deflating part can be when you start saving more but the market is soft. It can be discouraging to see your net worth maybe go down in that scenario. But stay the course. It always bounces back. Some of those tracking apps will categorize it so you can see "cash" vs. "investments". That can make the situation a little more clear in terms of tracking towards goals, for example. Does that help a bit?

[@astriderachelleremy1289]

Thank you so much Frankie for answering back and so quickly. I see clearer after reading your answer,. I will look into the apps you suggested especially the one that separates cash from investments. Again thank you so very much and keep up the good work with your videos! Again Awesome Content!!!

[@TheMoneyResolution]

Much appreciated. I'd love to know if you end up finding a great site or app for tracking for tracking purposes. Best of luck! OH and keep asking good questions. The people that do, get ahead.

[@astriderachelleremy1289]

@@TheMoneyResolution Hi Frankie, sorry it so long to reply but I have been experimenting with my finances and I was working on having things on paper and it hit really hard..... you are correct, I realised that what I was doing was saving-setting aside to spend... which had nothing to do with the future.... which also means that I would have to work FFFFOOORREEEVVVEEERRRRRR!!!!! ohhhh... oh...... I will get into the groove and learn more about the FIRE program as you preach... I need all the blessings I can get; thank you and keep on doing this EXCELLENT job. I will keep you updated. Again, A HUGE THANK YOU!

[@TheMoneyResolution]

@@astriderachelleremy1289 that’s awesome! Check out my recent video. Working on a FIRE book now too 👍

[@LS-yf6vu]

Hi! thank you so much for this awesome and informational video, you covered a lot. I am a hygienist and currently paying off my school loan. I plan to save 50% of my income but the part that is confusing to me is where should I put this big lump of money? My job does not offer 401k, I have a traditional Ira maxed for this year. So if I plan to save, lets say 40,000 a year, obviously I can't put this in an IRA acct, as 6,000 is the maximum, so what should I do? Thank you so much for your help and keep up with more videos coming :)

[@TheMoneyResolution]

Hi Lorena, this is a great situation to be in and 50% is an excellent target - but a bummer about 401K option. First off, great that you're researching and asking questions. Keep doing that! A few thought comes to mind to look into: HSAs and HSA investing if you have one (I have a video on that). Open a personal brokerage account and invest in mutual funds and/or ETFs for the long run that track the entire stock market, the S&P500, or a target date fund. Most of my investing tracks the S&P500 via low fee Vanguard funds (upcoming videos on all this so stay tuned). I use M1 Finance and TD Ameritrade but you can go with Vanguard directly too. Finally, build up an emergency fund in a high-interest savings account of 6 months of expenses. Prioritize this above all else if you don't have one. I use Ally for mine. Hope this helps and keep it up! Education is my actual #1 tip! :)

[@LS-yf6vu]

@@TheMoneyResolution Wow! thank you for taking the time to explain to me everything in so much detailed, yes I do have an emergency account, not much just $4000, I just want to tackle my school debt first, just finished off paying all my cc debt, ufff.. feel so good to be out of that. I also do have the fidelity 500 index fund and the fidelity total market, not invested much though. It looks like I need to open up the individual brokerage account and put the big lump here- thank you for this advise- I need to binge watching more of your videos to learn more about FI!! :) Your help and valued time is greatly appreciated.

[@TheMoneyResolution]

That's awesome! Glad it was helpful. At the end of one of my newer videos I mentioned that I've started "coaching" people for free over Zoom. If you have any interest in chatting live, feel free to grab some time on my calendar for 30 minutes. No catch. I just like talking finance and helping :) It helps me too in terms of finding ideas for future videos and figuring out what roadblocks people are commonly running into. Otherwise, best of luck. Cheering you on! calendly.com/moneyresolution/introchat

[@LS-yf6vu]

@@TheMoneyResolution Hi! Thank you for offering me your free service through zoom chat. I will keep this in mind! I am going through a lot of changes at the moment. I just watched your last video you posted. I can't believe that you said not to move to Washington State, I just took my drug & law exam yesterday to relocate my hygiene license in WA. I went to Bellevue and Woodinville back in 2015, and fall in love with the state. The cost of living in NY is insanity and not even worth it. Left my studio apartment to now renting a room at a friends house. Anyways, I will for sure set up something with you once I am more settle down :), Thanks again!

[@TheMoneyResolution]

That sounds great! No rush or pressure whatsoever. I hope my sarcasm came through about Seattle. We LOVE Seattle and Washington State. The joke around here is we want everyone to stop moving here so we pretend it's awful. Our growth is driving up prices. For a while, we were the #1 fastest growing city last year. Crazy!