7 Steps That Can Make You a Millionaire in 12 Years!

[@kortyEdna825]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.

[@foden700]

Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k

[@Justinmeyer1000]

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 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.

[@NicholasHarmon-ow3jl]

I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Justinmeyer1000]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@NicholasHarmon-ow3jl]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@FaithAndrada-xo9ou]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?

[@BrewerVera]

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

[@Raymondcraw1967RaymondCrawley]

The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.

[@AndersonFair-cy2bb]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@Raymondcraw1967RaymondCrawley]

Rachel Sarah Parrish 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.

[@AndersonFair-cy2bb]

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.

[@EricBrittonSilvado]

There are many financial investments to pick from.

[@princeholgate9325]

Common financial investments and accounts to save up for future investments in education, retirement and other financial goals are the best.

[@rosannaconstil571]

It is important to know when to invest and how to open an account or buy a financial investment.

[@durhammiller8817]

According to TIMOTHY ERIC MEEK an expert, there are many smart financial investments to make your money grow. Depending on your financial goals, how much money you could invest and how long you can hold an investment, you will have to consider different levels of risk and returns when combining assets into your portfolio.

[@theresaquiera7412]

I believe he acquires great tools to save up for future investments in retirement and education.

[@christianrode8316]

The easiest way to buy stocks is through such a reliable financial advisor.

[@BaffySchenck]

One of the most briIIiant investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann on CNBC. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong

[@bahijarhafiri]

That's great advice! Julianne Iwersen Niemann's perspective on investments as a long-term growth strategy, much like a well-planted tree, is a solid analogy. A good investment strategy should be resilient enough to endure market fluctuations while still growing over time. It's essential to have a strong plan that balances risk and reward, much like cultivating a tree that thrives even in tough conditions. Working with a seasoned expert like Julianne can help ensure your financial decisions lead to sustainable growth.

[@LAILAKANDIL-hf3pi]

I can only speak from my experience when I advise seeking professional advice. It looks like a smart bet if you don't know where to get an experienced one, but if you don't know anything about the market.

[@YadaniL-g8k]

Mind if I ask you recommend this particular professional you use their service? i need all the guidance I can get.

[@BaffySchenck]

Her name is. 'JULIANNE IWERSEN NIEMANN’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@YadaniL-g8k]

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

[@earlgarcia2736]

Early 40's I was worth nothing. Now early 60's, and debt free and worth about $1.6 million. If I can do it, anyone can do it.

[@15KHPCLUB]

Anecdotal.

[@earlgarcia2736]

@@15KHPCLUB Nope

[@phillipbyrnes2885]

That’s what I have tried to tell people at my work,they don’t really listen or have discipline to change

[@donaldlyons17]

@@15KHPCLUB Yeah they never mention cost, income, if they have another source of income...... All those factors matter because people who make too little just don't end up millionaires with too little nor no income.... If what this person wrote is true is very likely an exception and not repeatable without certain conditions.....

[@15KHPCLUB]

@@donaldlyons17 Yeah I just did the TVM calculator for that scenario to even make sense. In order to achieve that $1.6M number in 20 years, you need to be contributing an average of $40k/year earning historical average returns of 7-10% without factoring inflation. Which means you need to be at least a 6-figure earner and live EXTREMELY frugally which very few people earn and even fewer will actually do since living that way is boring and miserable.

[@WestonScally7614]

I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?

[@FelineAirstrip]

As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio

[@SaintYvess]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed shortly.

[@sting_grayl]

How do I reach out to a financial advisor, my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.

[@SaintYvess]

Sure, the popular *Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment..

[@JordanReam8186]

Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call.

[@jameswood9772]

Creating wealth entails establishing positive routines, I had only $78k to my name at 42 when I first woke up to this reality. I chose the stock market as a medium of growth, got an excellent financial advisor, Financial management is a vital subject that many avoid, often leading to future regrets.

[@alexyoung3126]

Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%, adding over $500K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.

[@bobbymainz1160]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@johnlennon232]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@bobbymainz1160]

Rachel Sarah Parrish 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.

[@johnlennon232]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@Natalieneptune469]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@brandonhickey7036]

Here's the mind blowing fact thought.. It's not hard. Invest in ETF's i.e. S&P 500 and Nasdaq.. DO NOT SELL at any point (that's the most difficult part for so many investors trying to time the market)... If you invest monthly, I would say with some strong conviction you will be in a really good place. Investing should be boring and rudimentary and when there are dips/pull backs, look at it as though the market is on sale. Continue this and you will be in good financial shape.. Do not sell and do not try to time the markets

[@Patriciacraig599]

You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life

[@MrGravity304]

I'm interested in investing, but I'm not sure where to start. Do you have any advice or contacts who can help me out?

[@Patriciacraig599]

I started working with Julia Hope Marble back in June, and my financial goals have never been clearer. It’s like having a strategic partner for my money with a solid track record. She was my hope during the 'bear summer' last year.

[@Alejandracamacho357]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...

[@PhilipMurray251]

I've seen different people talking about this Linda she must be very amazing for people to talk this good about her. how can i reach her?

[@Patriciacraig599]

she isn't hard to find, just search her name on the web so as to get more info about her

[@alexsteven.m6414]

I'm an aspiring trader who would rather learn from other traders' experience than investing in the market myself, in anticipation of the next bull run. What are your thoughts on copy trading as well? Do individuals actually earn a living? Just trying to get some reassurance. I want to have a healthy portfolio worth at least $850,000. Reliable inputs please.

[@dengdelun3109]

The strategies are quite demanding for the average person. In fact, they are typically executed successfully by professionals with extensive skills and knowledge required to manage such trades effectively.

[@mariahudson9939]

I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $130k in passive diversified safe-haven assets, Up 358k so far and pretty sure I'm ready for whatever comes.

[@NorthCarolinaForward]

my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@mariahudson9939]

Rebecca Nassar Dunne 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..

[@belobelonce35]

Thank you for sharing, I must say, rebecca appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.

[@geraldt331]

Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025

[@BerryRyan-gl3sm]

Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire

[@yeslahykcim]

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

[@lucaswilliams9992]

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

[@yeslahykcim]

“Lucinda Margaret Crist” 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

[@Jadechurch-ql3do]

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.

[@johnlennon232]

You make an excellent case! . I’ll add 1 more point… Seeing my monthly dividend income grow is EXTREMELY motivating to continue investing . Buying growth makes sense intellectually, but during a bear market, watching my growth portfolio shrink…the motivation isn’t as high as it is for dividend investing. A lot of this is psychological!

[@alexyoung3126]

It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you.

[@jessicamoore3093]

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

[@jessicamoore3093]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@AlvarezDanuta]

I think the stock market will do well in 2024, so I'm thinking of putting $220,000 into stocks for my retirement. Any advice on doing this safely? Also, any important tips for the current financial situation?

[@RomeroCarmen-4]

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 consider financial advisory for informed buying and selling decisions.

[@mayalucia-]

Keeping money in the bank is like paying banks and the Govemment. Here's how it works: The bank gives out your money as loan, and charge interest obviously higher than inflation rate, and then give you, the depositor, interest lower than inflation rate. That means net loss for you. That is why I prefer to invest, and on average, my advisor makes returns that always beats inflation!

[@SofiaDiego-]

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@mayalucia-]

Svetlana Sarkisian Chowdhury 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.

[@Mariagreta-gv9le]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Christine-ce4xo]

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. A trader made over $350k in this recession influenced market

[@Alejandracamacho357]

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 alot of wealth transfer in this downtime if you know where to look.

[@Robertgriffinne]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@Patriciacraig599]

One of my goals is to employ the service of one this year. I've seen some off LinkedIn but wasn't able to get a response. Could you recommend who it is you work with?

[@Robertgriffinne]

Linda Aretha Reeves is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment

[@Patriciacraig599]

I just checked her out and I have sent her an email. I hope she gets back to me soon

[@CurryMonster24]

Learn to cook, stop eating out all the time, saves a ton of money. underrated skill

[@tdgdbs1]

Learn to fix your car and do basic maintenance, basic plumbing, electrical, flooring, painting...are also within the ability of most folks. We are just too lazy and that is the downfall.

[@500sparty]

Just started developing this skill about a month ago and not only are my pockets more full, so is my stomach and my happiness

[@lolmock25]

Then when u save a bunch of money instead of going out you go to a nice grocery store get some high quality ingredients and it will taste better then a restaurant

[@kylemanske9682]

Agreed. This saved me a lot of money, and helped me lose 140 pounds

[@derekhayter4879]

Nah. Eating is only expensive in western countries.

[@crazyhorse901]

Just paid off my house two days ago…I’m debt free!!! Finally!!!

[@Ink30]

Congratulations

[@lewisjeffreys9175]

Feels good doesn't it!

[@crazyhorse901]

@@lewisjeffreys9175 feels really good

[@RobertBeedle]

🎉congratulations. You've removed the debt ball and chains.

[@truthseeker3376]

I am praying I will pay my house off Dec 2024😊

[@Bestjudy001]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@Bestjudy001]

@Ingridlourd02 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@Bestjudy001]

@Ingridlourd02 Clementina Abate Russo is her name

[@Bestjudy001]

Lookup with her name on the webpage.

[@Bestjudy001]

@Ingridlourd02 You are welcome .

[@waynebaker7973]

I’ve noticed irrespective of the economy up and downs, inflation, and a host of others, the fin market still accounts for a lot of individuals becoming millionaires, its crazy because I know a lot of dedication is required, I’m wondering are there any shortcuts to it or perhaps smarter approach.

[@diegoa3991]

You’ve got to become a life long learner else you won’t make any profit. Study more it really does require dedication as you said.

[@houstonbella2871]

Shortcuts NO, smart ways I’d say yes, you should know experience and skill has a lot to do as regards remunerative returns, I employ the services of an FA, saves me the time and ensures my portfolio positive growth, After I surpassed a $million I realized I should have gotten on it sooner.

[@bnmyron4225]

Any possible way of getting with your fa, would appreciate.

[@houstonbella2871]

I’d say do your due diligence on Kevin Mikan, he’s top notch.

[@jackieuriah8425]

had to check google to be sure, great resume he’s got.

[@mirchimome]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.

[@SamanthaRosalie-e2g]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@ReuletRikki]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@lapetiteblonde]

I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.

[@GrozaGroza-ko7fn]

I'm new at this, please how can I reach her?

[@anatolyivan]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@bethanderson4033]

Started with $73k in debt in October, by next month will be down to $42k 🥳 it sucks in the moment and life is not fun right now, but you can do it!

[@superblump87]

You might be done this year!

[@wealthbytes]

Great work!

[@daystar73]

Well done

[@vchafab]

Wow amazing! I have $96k and I’ve been afraid to start but your progress had motivated me ❤

[@ashyelbos]

That's what's up. Keep going😊

[@KevinEvans-mq4ob]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.

[@MiaDavis001]

I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.

[@GraceHarris305]

I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.

[@JanAlston-kd6yl]

I need help rebuilding my portfolio and coming up with more effective strategies because of the big drops. where I can find this coach.

[@GraceHarris305]

NYCOLE CHRISTINA VANNATA 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.

[@joshuawoodman6603]

The advertising bots on this thread just kill me 😂

[@christianaalagbe6380]

Jade’s energy is contagious!! ❤. Uncle Dave finally got his match 😂.

[@joeb1522]

Jade is the best personality they've added in a really long time.

[@singhprabhjinder]

A godly man is who leaves inheritance for his children's children. That's a good goal, thanks Dave.

[@GloriaMoore01]

Dave is amazing. How to build wealth. ‘’Do This.”

[@GloriaMoore01]

To attain wealth, the very first step is figuring out your goaIs & pIans, with the heIp of a financiaI pIanner and following through with InteIIigent pIans, you will gain attain in no time wealth and as weII enjoy the benefits of managing your money.

[@GloriaMoore01]

My decision on my finances was a great one (gathered over 1M in 2yrs) with heIp of my financiaI pIanner. Got my 3rd house yesterday and, hoping to retire soon.

[@GloriaMoore01]

Elizabeth Green Hunts Get to her.

[@ScottNathan-e7u]

Good I got here. Big Thanks

[@alexasecas5930]

Many needs this info, good stuff.

[@ThatGuyOnYoutube2]

Started really taking Dave's plan seriously around 2017. It's happening. Trust the process. The minor delay in gratification will be amazing when I am where I want to be. My future will be so much better than what it would have been if I just "YOLO'd" or whatever. So thankful for Dave.

[@ihateallyall]

can I actually do this plan only making $50k a year? dave has said in previous videos that my kind of income is “making no money”. I can’t go out and get a 6 figure job tomorrow. so is this even possible making $50k annually?

[@ThatGuyOnYoutube2]

@@ihateallyall yes. Adjust expenses to your reality

[@CaterinaDaniella]

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

[@masterotrunks]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@mikesnoek]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@jadewashington7]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@fameswap-dq5eo]

I'm new at this, please how can I reach her?

[@AnthonyJustice-i9x]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@FnVRGaming]

I'm. Personal trainer and often tell my clients "it's discipline you need and motivation is the byproduct". Pretty darn confident I'm a flame 🔥. Love it guys 🙏

[@biyuwang9952]

Another great content. You and Gary Joe Wilde are highly recommendable investing pros every investor who wants to get rich investing must know or work with Unfortunately, don't know why Gary deleted his video channels. He is very advanced and experienced in the field.

[@polinaivanova6610]

In all honesty I prefer Gary's trading method exactly what i wanted

[@pizzaguy7998]

Chris and many other older advisors often talked about him in their early vids. Got to know he mentored many of them.

[@misspapo3444]

This is the best combination, love these two together.

[@EricZachary-om7hf]

Even though I am aware that investing for the long term is the best strategy, I have come across many people who have discovered a technique to manipulate the market right now and make up to $350,000 in profit in a matter of months. What strategies may I employ to get this level of profit?

[@CrystalJoy-32]

Your stock investing strategy is excellent. I've been hesitant to enter this market since knowing about a man who made over a million dollars from just $300k since the epidemic, but I now believe the moment is perfect. I'm now interested in the strategy and techniques he used to achieve such a huge profit.

[@Blitcliffe]

@@CrystalJoy-32 Since I have a variety of jobs, I don't have a particular fund that I invest in. I don't act like that at all. I take cues from seasoned financial advisor Julie Anne Hoover, who is registered with the US Securities and Exchange Commission, in how I conduct myself (SEC). Since then, in contrast to the IRA's slow growth, my returns have increased quickly. What I have is used just by her trades, not by a small number of highly specialized companies.

[@Harperrr.99]

@@Blitcliffe That's incredible! If she is this talented and has A-list talents, I want to speak with her. I also use a MAM account to duplicate transactions, yet I continue to lose 20% of the time. Where can I get her contact information?

[@Blitcliffe]

@@Harperrr.99 I was able to comprehend profit creation better thanks to my instructor Mariam Sandra Milner'. By searching for her online and going to her page, you may contact her.

[@Harperrr.99]

@@Blitcliffe Mariam Sandra Milner' to be very knowledgeable. I discovered her online profile and read through her resume, educational background, and qualifications, which were all very impressive. She is a fiduciary, which means she will act in my best interests. So I scheduled a session with her.

[@olganmarten8109]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@olganmarten8109]

@MercyLisa-qi1rl However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

[@olganmarten8109]

@MercyLisa-qi1rl Judith Ann peace is her name

[@olganmarten8109]

Lookup with her name on the webpage.

[@olganmarten8109]

@MercyLisa-qi1rl You are welcome

[@korn111685]

For everyone thinking “being a millionaire isn’t enough these days” It’s better than the alternative. Good luck people!

[@blackworldtraveler3711]

@@Austenfan177 Yup. Ask any Millionaire Next Door.

[@scarpfish]

Yep, you gotta love people with fatalistic attitudes, because they certainly don't love themselves.

[@zoeevans543]

That depends on the alternative. I am thinking about the alternative of being a decamillionare. Obviously it is better than being broke.

[@deltapromasterlauj4848]

“i wanna to be a billionaire so fuking bad, buy all the things I never had”

[@zoeevans543]

@@deltapromasterlauj4848 Well yeah, so does everyone. I hope to get there at some point. But that is called a dream, not a goal.

[@tspencer661]

I modified step one. As a single mom, I didn’t feel comfortable with only $1000 for emergencies. I felt more comfortable with $2500. After that, I paid off ALL of my debt. I’m working on step 3a and b. I’m building my emergency fund and saving for a down payment for a home. I surprised my coworkers a while back. We were talking about living paycheck to paycheck. I told them that I didn’t live paycheck to paycheck. They were surprised. The woman with one income is better off financially than her friends who have two incomes. I inspired one of my friends to get rid of her debt. She’s working on it now. BTW, I don’t receive spousal support or child support. I want my daughter to see that women can be financially independent and responsible.

[@cdbf98]

You’re setting an amazing example for her!

[@2012PAMS]

So proud of you!

[@tspencer661]

@@2012PAMS Thanks.

[@cjhoward409]

Yes, given inflation, $1,000 would barely cover most small emergencies. $2500 is a good starting point emergency fund 👍🏻

[@14elvira14]

Keep it up! Best of luck to you ❤ Great mom right here!

[@dee_zire_higher]

My wife and I love the energy of Dave saying "YOUR BROKE" - we hear it in our heads every time we're making purchases 👌

[@debhalld9794]

Listing your debt amount and watching it reduce is effective. Excitement as you check off each debt is exhilarating. Paying off all debt is amazing... Joy and freedom!!!

[@paulc3749]

💯

[@derick3482]

wrong you need to play lottery and gamble

[@s1234pro]

You are 100% RIGHT! It is an amazing feeling and I love it!

[@genglandoh]

One of the things people have to learn is to stick with it even when there are little problems. That is why I like the debt snowball it recognizes that people need to have wins quickly or they will quit.

[@The6Foot4Asian]

Dave is dressed like a NYC finance bro🤣

[@superblump87]

​@@The6Foot4Asian finance auditors dress like that everywhere.

[@joecampbell8464]

Exactly. This is why the snowball method is preferable to paying off the debt with the highest interest rate.

[@yodatoy8792]

I love flame vs spark analogy. I shared this video with my kids. Told them this is the best advice when you are on your own.

[@rorexc]

Jade is an awesome addition to the team 🙏

[@mrpetersanchez]

You guys were on fire in this segment. Very inspirational stuff. 👊

[@BricksSmith]

If you wanna be successful, you must take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life.

[@selenapearl2187]

My financial life has completely changed all thanks to Mrs Amanda awesome trading strategies!!!

[@1onyekaSantos]

Mrs Amanda The Bitcoin Trader is legit and her method works like magic I keep on earning every week with her new strategy

[@JameJohn-m5s]

Wow I'm iust shock someone mentioned expert Mrs Amanda thought I'm the only one trading with her

[@JaneBilly-hk9ju]

She's really amazing with her skills...she changed my 0.5btc to 2.1btc

[@JaneBilly-hk9ju]

She helped me recover what I lost trying to trade my self.

[@toddaustin2198]

Wow! That was an awesome Ramsey Solutions tag team rant! I love Jade's energy!!!

[@kyleelgin457]

Love how Dave always takes it back to the foundation with the Baby Steps

[@ralphholiman7401]

Really, it's a pretty simple formula. And, it works. People want to hear the get rich quick schemes, but Dave describes the way you get rich quick enough.

[@p.shermanfortytwowallabyla9488]

I spent the last 10 years NOT doing Dave Ramsey and look at me now! I'm in debt and have no emergency fund. We're starting the Baby Steps because wtf am I doing with my life?!?! I'll update later👍🏼

[@naminakata182]

Any update?

[@p.shermanfortytwowallabyla9488]

@naminakata182 Honestly? Haven't gotten anymore debt.. but haven't saved jack squat. I did not do the Dave Ramsey. Lol Inflation, incredibly expensive health insurance bc i have cancer check ups every 6 months now (from every 3 months Thank you God) and an increase in property taxes due to me not knowing how to protest tax appraisals (we bought a home in 2020 when I first got diagnosed so it was an impulse.. I didn't want to die in a rental) came at the same time several raises at work came so at the very least we are in the same place financially as we were 7 months ago. However.. We fixed our own roof leaks. We built a new massive chicken coop bc I'm starting a market garden to make money from home. We built a huge chicken "shelter" that cools them in the horrible summers we have and keeps them warm in the winter. (Less stress means more eggs.. more eggs more money) We took a senior dog to the vet and found out he has Cushing's and that was pricey. His meds are pricey but he still had a good quality of life an he we aren't putting him down until that changes... We did not in fact do the Dave Ramsey. Lol However... We don't add to our $6k debt. Our debt is small but we needed that money to get through the rest of the year instead of paying off debt. Good news is that we are primed to do better in 2024. (God willing) *I protested my tax appraisal and got it lowered. Which lowers property taxes *I am cutting this awful health insurance and it saves us $700 a month. Gonna shop around. *In Texas the Homestead Exemption went up from $40k to $100k so that will help A LOT *the raises at work were only in the last few months of the year so it will reflect more next (this) year. I still believe in the Dave Ramsey plan. It helped us buy our home in 2020 lol we did Dave ish lol We just went thru some emotional mess and chose comfort instead of doing the right thing financially. But 2024 is different. Building a small business and paying off debt and saving for the 3 to 6 month emergency fund is my goal for 2024. And that's my life story... Will update later lol

[@contact2001]

How are you getting on…..

[@cheeseballs3825]

Any news?

[@p.shermanfortytwowallabyla9488]

I literally posted my whole life story and it's just not showing up lol So here goes again.. Long story short I did not do the Dave Ramsey... but I didn't get onany more debt. Cancer bills and bouts of depression made me just comfort myself. Spent money on farm animals bc I'm just comforting myself. Husband had some amazing raises.. at the same time inflation kicked in. So we broken even. Vet bills for a dog with Cushings disease.. not cheap but I joined a Cushing group on fb and it saved us thousands..paid cash no credit Fixed our leaking roof ourselves.. Fixed plumbing issues ourselves. Built a massive chicken coop... cash no credit cards.. Built a goat house from scraps.. no credit cards.. Fixed cars with cash.. Husband and I actually did the Dave Ramsey 1 year before I was diagnosed in 2020 (am in remission so I thank God for that) and I was given a poor prognosis at the time so I said let's hurry and buy a house bc i don't want to die in a rental.. so we rushed into a house without an emergency fund so that was smart...(it wasn't but we have a house that was priced before the spike.. so thank God for that) We went back $6k in debt again when we first moved into the new house I was 2 months out of surgery and still healing.. so many things went on the credit card. Unfortunately Do not recommend lol And all of this on my husband's job alone as I do not work.. I should be working but we have one reliable vehicle We have farm animals.. just goats and chickens.. so my hobby will be making us money. I sell eggs and I'm going to be building my garden this year hopefully and turn it into a market garden. A lot of bad financial decisions on my part bc if I'm honest.. I'm still emotionally healing from cancer 2021 and what it did to me. But I just thank God that im alive So I'm slowly coming out of that funk and finding hope again With that hope I'm going to be job hunting or putting more work into the homestead to create a business. That and actually doing the Dave Ramsey baby steps now that we ate in a better frame of mind

[@smithlenn]

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]

My spouse and I are adding a variety of stocks/ETF to my present holdings for the long term, We've set aside $250k to start following inflation-indexed bonds and stocks of companies with solid cash flows, I believe it is a good time to capitalize on the market for long-term gains

[@Alejandracamacho357]

Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.

[@rannyorton]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. 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. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.

[@smithlenn]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.

[@rannyorton]

thanks, was guided tho..Julia Hope Marble.walked me through the ropes majestically i'ts my ultimate pleasure.

[@500sparty]

I like her energy! Reminds me of some of the best coaches I played for

[@geekroute]

cause she's been there, done that

[@Gambit8121-i7v]

AND AND AN AN AND AN AND

[@TruckeeFam]

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $450k. before I turn 40, I would appreciate any advice on potential investments.

[@Americanpatriot723]

Focus on two main goals. First, protect yourself by knowing when to enter the market to limit losses and maximize profits. Second, get ready to capitalize on market shifts. I recommend asking a professional for advice.

[@84gaynor]

@@Americanpatriot723 Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@MIchaelGuzman737]

@@84gaynor I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@84gaynor]

There are many independent financial advisėr that you might consider. But I've worked with "JILL MARIE CARROLL" for almost four years and she's proficient. You could proceed with her if she satisfies your discretion.

[@MIchaelGuzman737]

This is useful information; I copied her entire name and pasted it into my browser; her website appeared immediately, thanks for sharing.

[@MiddleClassAmerican]

I'm 38 and my net-worth is about $800k. My house is 400k obviously paid off and 400k in equity. I only recently started making 80k/yr before that 50-60k. I drive a 2004 Honda Accord, I have 3 pairs of shoes, 3 pairs of jeans, and maybe 5 shirts. Never had a Starbucks coffee in my life.

[@oldmcfarlane]

I'm up to where there is no debt and the emergency fund is in place, but I don't own a house. I'm not following where buying car and house down payment fit into the steps, is that done with whatever is left after saving for the 15% or is this done before the 15%?

[@momnursefashionista7506]

I’m tired Dave 😂 but determined… single mama of 4…a night pediatric nurse… a career coach.. and have a clothing boutique whew! But determined! 💪🏾💪🏾💪🏾

[@midkort]

Ride on, sister!

[@agamaya6458]

You go girl🥰 🔥

[@momnursefashionista7506]

@@agamaya6458 aww thank you Queen!👑

[@momnursefashionista7506]

@@midkort 💪🏾💪🏾

[@dachicagoan8185]

I began to follow Dave's plan in the fall of 2018 and by the end of 2020 I had pretty much completed the steps. I'm on track to be a millionaire in less than 12 years

[@cutenobi]

Jade is telling the facts. And Dave is loving it. Lol.

[@Alex1234496]

Jade is the best personality to grace this show after Dave himself. What a remarkable woman!

[@ChristianCarnivoreLady]

💯 %

[@MyFunSizeBudget]

Yes!!! Feel her passion

[@gregorywhem]

I love what you said about having a long term view so much. Being in the market, even if it's the S&P, demands a lot of patience. I'm not close to being a great investor, but having a long term view has definitely helped me profit significantly, more than 400% in the last five years.

[@cloudyblaze7916]

Time in the market is more important than timing the market. I can't remember who made that quote.

[@ericmendels]

I agree. Patience, coupled with a strong investing skill, could make significant returns. If you don't have the skill, hire someone who does, and wait it out. I've made so much from following this very simple strategy.

[@gregorywhem]

I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance advisors you could check out. I have been working with Sharon Louise Count, and she's really, really good. You could check her website out.

[@mohican-jx6fx]

Thank you for this. I'll send her an email to reach her, and I hope I'm able to make something out of it.

[@tammya5403]

They’re absolutely right. It’s difficult, but what’s even more difficult is knowing that my parents don’t even have enough money to be properly buried when they pass. I will never leave that burden on my own kids, never. It’s heart-wrenching.

[@genxx2724]

Consider that fewer and fewer people are choosing burial and a traditional funeral. Cremation and a lovely reception at home, a hall, or a restaurant banquet room is a respectful tribute.

[@diggernash1]

You have no responsibility to bury your parents, so there is no reason to feel burdened. You can choose to burry them, as I would, but there is no requirement to do so. People get responsibility and charity mixed up emotionally. If I didn't have the financial means to bury my parents, I wouldn't; and I wouldn't feel bad about it.

[@lala-cl2gn]

@@diggernash1 Bible does say: honor your father and mother.. so that would be honoring them.

[@diggernash1]

@@lala-cl2gn You are conflating Biblical principles with secular law.

[@ralphholiman7401]

My two brothers and my sister and I contributed to my mother's income from the time my father passed until she passed away, over twenty years. I was happy to do it, but we all had good jobs and were pretty good with personal finances so it wasn't that hard for us. If you can't do it, you can't do it.

[@GM-bc9ng]

Ive listened to dave for years and i love it, but Jade’s motivation rant was one of the best moments ive ever heard on this channel!

[@Erikkurilla01]

For novice investors, it's crucial to understand that successful investing and trading go beyond technical analysis skills. Discipline and emotional maturity also play substantial roles in achieving positive outcomes. It is wise to embrace the mindset of "time in the market vs. timing the market," as it can assist in navigating market volatility. With the guidance of *STEPHANIE KOPP MEEKS* and my dedication to continuous learning and personal development, I have witnessed a notable increase in my earnings within a few months. Let's continue to progress and excel in our endeavors!

[@Erikkurilla01]

Her name is *STEPHANIE KOPP MEEKS* , and you can easily find more information about her by conducting a web search.

[@jessicasquire]

I have observed various individuals discussing diverse trading strategies, with some experiencing losses on a daily and weekly basis. However, it is widely acknowledged that BTC (Bitcoin) is currently one of the most valuable assets to possess. Engaging the services of a proficient trading expert like *STEPHANIE KOPP MEEKS* can help minimize losses in each trading session. I sincerely hope that everyone reading this achieves success in life.

[@Lemariecooper]

The program of expertise offered by STEPHANIE KOPP MEEKS can be found extensively across the internet.

[@Erikkurilla01]

Many individuals who have achieved success often acknowledge the importance of seeking knowledge and expertise from professionals in the field of wealth management and growth. However, some may claim to have attained success solely on their own, without acknowledging the assistance they received.

[@Erikkurilla01]

For newcomers and busy investors who have limited time to monitor trades, engaging in trading activities under the guidance of an expert is the most effective strategy.

[@Kenneth23414]

I just sold a property in Ohio and I'm thinking of putting the cash in stocks maybe BTC & USDT, Is this a good time to buy? How long until a full recovery? How are other people in the same market raking in over $200k gains with months?

[@Alden457]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by professionals.

[@Christian67337]

Make sense! I sought the advice of a fiduciary advisor in 2022 after experiencing severe losses. I achieved portfolio diversification and restructuring by adding dividend-paying equities, mutual funds, ETFs, and REITs to my $700,000 holdings.

[@Scarlett34568]

Hello, thanks for replying... I'm looking for such opportunities, How can i find a decent advisor like yours?

[@Christian67337]

Aileen Gertrude Tippy is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@Scarlett34568]

I checked this lady out of curiosity, found her webpage and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

[@freedomring3022]

Dave's plan is more psychological then monetary ... and that's what people need

[@Bulletno]

you can have more money, but if your mind is out of place you'll still going broke at the end.

[@hansnvt7858]

This indeed

[@Domain_Man1]

As a holder of a Diploma in Management - Motivation is the driving force within - not to be confused with Incentive, which is reward for effort. Most struggle to tap into their driving force, first you need to recognise what it is, then you practice that feeling until you can trigger it almost every time - but you need to be in the right frame of mind to do that. Debt hangs over you - get rid of it.

[@danbgt]

I started over in 1997 at 47 years old and $387,000.00 in debt. (That’s four hundred thousand in round figures.) I’m not a doctor. I have an associates degree in drafting technology. I retired in 2014 at 63 years old with a net worth of just over 1.5 million. That’s not 12 years but it was just 16 years. Incidentally, now, at 73 years old I am still retired and my IRA is worth more than it was in 2014. These simple principles work folks. Do FPU. Just follow the instructions.

[@madisonjarvis8449]

I love it. I am now on step 4,5,&6. I sleep better and love life more that all I have is a house payment. It took years investing in my career and learning discipline to get here.

[@achillislaststand2024]

Just turned 20 & I’m about to be debt free & have my emergency fund by the end of the month. I feel grateful to have people in my life that showed me your seven steps & are leading me to financial freedom. My peers are spending money partying & going on vacations, & it’s hard not being part of all the fun, but I want to be a millionare 💪🏼

[@moneymattersforeverybody]

Did it in less than 10! Thank you Dave!!

[@briancallahan5673]

Can I borrow some????😊

[@moneymattersforeverybody]

@@briancallahan5673 I’ll respond the same way I respond to my kids “I’m not a bank lol!” But if I can do it anyone can do it. I grew up middle class, there was no extra $ around. I wasn’t trained in money principles but that all changed after being introduced to Ramsey.

[@marcusarelius]

Net Worth at a million OR your investments at a million?

[@strongermind909]

​​@@marcusarelius doesn't matter. You're broke they aren't. Brokie got too much to say. YOUR BROKE

[@marcusarelius]

@@strongermind909 it does matter. And I did it in about 10 years as well…

[@mikellyartisan1384]

Y’all really gave the Ramsey Show a blessing by bringing Jade on. She has that same fire that Dave has and such a similar level of bluntness to really stick the wisdom in the heads of even the densest of us. Love this duo!

[@bmcdonald7303]

Agreed!

[@dashcamvideos6742]

Listen to this young woman! She has it going on. We did it only working blue collar jobs. If we can do it, anyone can. We are now “The Millionaire Next Door.”

[@sting_grayl]

I just want my money to keep outgrowing the inflation rate. That is why I'm looking for companies now to put in $200k for a start. Just don't know strategies to employ in buying stocks to invest in

[@jose2212-]

The rules are simple. Chose quality stocks and follow them up. If you're not one for such complexities, hire a wealth manager to grow your money. I use the latter. Pulled in more than $46k in the last two months alone.

[@carolynrose1816]

I agree with you. This is what I do too. I'm not cut out for financial reports and industry news, so I use a wealth manager. Profits have been very consistent since 2020. i've pulled in roughly $1M in ROI since then

[@judynewsom1902]

Hey, I've been thinking about switching but have been hesitant. Could you recommend your financial advisor? I'd appreciate some assistance.

[@carolynrose1816]

’Vivian Louise Dehoff’. is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@thehuntschool196]

Love her intensity! She is 100% right

[@carolynrose1816]

Don't forget that Charlie Munger and Warren Buffett invented the idea of investing and buying at both market highs and lows. As Warren Buffet noted, he has witnessed this occur frequently during his life. I'm not a trader. Never did my husband and I make more money than others in the middle class. With a $4 million stock portfolio, we intend to retire at age 58. Never have we ever sold even one share of stock...

[@freedomisEexpensive-08]

I have not written this sort of comment before but I feel compelled to. From the your comment, I instantly knew that you have good technical understanding, and experience of investing!

[@MrGravity304]

It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing....

[@NotyourBusiness-urto6]

@@MrGravity304 The fact that the market has been on its longest bull run ever makes the widespread anxiety and excitement comprehensible. There are opportunities if you know where to go, as you noted that it wasn't difficult for me to earn more than $780k in the previous 10 months. Since I was aware that I would need a reliable and strong plan to get through these tough times, I engaged a portfolio advisor.

[@Harperrr.99]

@@NotyourBusiness-urto6 Do you mind sharing info on the adviser who assisted you? been saving for pension since age 34 - company scheme. along the way I hit higher tax, so I added to my company pension with a SIPP (tax benefits) I'm 46 now and would love to grow my finance more aggressively.

[@Harperrr.99]

@@NotyourBusiness-urto6 Thank you. I just checked her out now on the web and I've sent an email. I hope she gets back to me soon. I've been thinking of doing this for a long time now, and I've procrastinated enough already.

[@nmccw3245]

Love Jade. She’s the real deal. Her getting choked up describing her personal hardship wasn’t acting, that was recalling the pain. 👍🏻

[@kylehackett162]

Meh, annoying

[@MyFunSizeBudget]

Right!!! Good job Jade

[@crystalrobinson916]

What a great testimony! You could see her reflecting.

[@Dan-ue1gr]

My company took a hit in 2008 and went under in 2011. I lost everything. Was 48, I purchased a $5000- 34’ boat and we lived on it for a few years, saved and bought a piece of land, put a camper on it. Lived there until this year, we just finished building a house on another property we purchased and have no mortgage at 61, and our net worth is close to 2 million. We went a few years once without going out to dinner!

[@kingyaplim5196]

Thanks Dave . It’s really motivated me and I stick to the baby steps plan since 2021. And I wish to pay off all my debt beside the home mortgage loan by June 2023.!

[@InvestWithFestus]

This is the best episode mainly for the flame and spark analogy. I’ve tried to support so many that are sparks. This has allowed me to set aside that much more.

[@Rick_Kn]

Jade is quite possibly the Ramsey "personality" that most represents the Ramsey brand. She carries Dave's message as well as he does. She was an amazing addition to the team.

[@KENTUCKYUSA1]

Like Dave, she has been down the hard road. It shows.

[@Happiness379]

Was? She’s no longer with the team?

[@acruzro95]

​@@Happiness379I guess he meant she's now longer an addition but a member. That's like calling the Doctor in psychology in 2023 the he is a great addition

[@nikevabrown6614]

I love Jade!❤

[@mycupoverflows7811]

First time I've seen her and I'm impressed! She scolds like boomer Dave does and I love it.😂

[@GaelGomez-rn6rz]

Im 18 and just got my first job and I’ve always talked about being rich and getting my family into a good neighborhood, I’m making sure I don’t regret anything I do with my money and have been super careful on what and where I spend it

[@Khatun654r]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Veronica Hoy.

[@sanchezlopez2020]

I'm surprised that you just mentioned Veronica Hoy here. I met her at a conference in 2018 and we have been working together ever since.

[@BirgitAliyev-tys62]

The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.

[@HenryP.-ji5eb]

Hoy's expertise in customizing investment portfolios based on changing market conditions and personal risk profiles is exceptional. It's not a one-size-fits-all approach, which is crucial in crypto investing.

[@Ryanrodriguez770]

You trade with Veronica Hoy too? Wow that woman has been a blessing to me and my family.

[@bigthelma1]

I'm new at this, please how can I reach her?

[@rsivkova]

Exactly how I like it - no sugar coating, just straight and honest. I’m sick and tired of the pcc culture

[@chasterrell3421]

This is the best Ramsey video I’ve seen in ages, keep it up!

[@eetoved1758]

Amen. I was thinking this when I heard it the other day. They had really lost their touch in recent seasons. THIS feels a lot like old Ramsey show.

[@GomezLnI]

Took us approx 15yrs but we endured the 2008 recession during that time. First mil takes the longest then becoming multi-millionaire builds on momentum. Everyone can do it at their own pace. Good luck 🤑

[@sevenschmidts]

I'm just really enjoying Jade's comments. She's doing such a great job in her new job!

[@katyedwards3935]

She, Ken and Kristina need to be a part of the next version of FPU.

[@bmcdonald7303]

Jade is such a great addition to the team. I’m glad to listen to her.

[@arthrodea]

JADE = Finally a personality worthy of being on this show!

[@sescott7500]

Thank you, Dave. Been following you and the baby steps 1-3 faithfully. We just paid off our house late last year, and it feels great to live in the freedom of excess abundance. I encourage anyone who is in debt to listen to this man. God bless you and your team, Dave.

[@annsdecor9831]

I can feel and hear her passion about being depth free.🙏🏿🖤👍🏿🎉

[@isaaccarnellkingiv2624]

Step 1 Save $1,000 (30 days) Step 2 Payoff ALL Debt (But Not Your House) Step 3 3 - 6 Months of Expenses Step 4 15% Invest in Retirement Step 5 Save for Kids College Step 6 Payoff the House Step 7 Build Wealth & Give More

[@cortneykathleen]

Listening & watching the Dave Ramsey show everyday motivates me to stay on track with the baby steps! Then, with every step I cross off the list, it motivates me even more to stay on track for my financial freedom & financial independence.

[@mamisomorales4474]

how have you been doing it

[@miguelrosales6667]

Yes! What step are you on

[@LauraPSaga]

Same here. I am listening, watching, and reading his book. Without application, you will stay the same. I am paycheck to paycheck, but it helps me be responsible.

[@rachelcrossen8136]

Yep I listen for constant motivation too

[@sanfrocisco]

Sometimes I hit replay multiple times to hear Dave yelling especially at 2:17. 🤣 There are so many Dave rant gems in this video and I love it. Keep it up!

[@2skyland]

Following Dave's plan has changed our family's whole financial trajectory. ❤ The title of this video made me laugh because I've told people that our timeline is +/- 10 years and they act like that's a really long time and I always ask them if they would rather be a millionaire in 10 years or not a millionaire for forever. 😆

[@momnursefashionista7506]

Great perspective!!

[@LiesOfJoe]

They wouldn't believe it am i right lol!

[@K4lr0b]

Long? I think it is a really short time, so short that I cant believe it

[@jdubb45]

🔥🔥🔥 bars

[@darinheight6293]

Dave’s plan is what my grandmother used to tell me to do back in the early 80’s. Wait, I believe Dave has said the same thing. It’s not rocket science people. Spend less then you make, and put some money to the side along the way.

[@thedouglaspodcast]

6:56 almost started crying 😭😭😭 was wondering how tf she said that without crying.. but then her voice cracked a bit and I got even more emotional 🥺♥️ love that woman!

[@mlpdunaway]

With every step you get more and more motivated. Once your debt is paid you get fired up BC you know that all that money is money that you can invest. I wish I would have heard of Dave in my younger years. I'm now 53. We started baby steps a year after COVID BC we incurred so much debt that we had to do something. Credit cards both vehicles and 6 months expenses saved. Now we are paying off our house. So thankful for you Dave Ramsey. You saved our lives! 💕

[@georgewagner7787]

You caught on in time. In 12 years you'll only be 65

[@heathermetz6576]

6:50 “Paying off debt is hard. Working is hard.”

[@globescape4771]

i have had 401k investment (maxed for many years) for 18 years and I'm no where close to being a millionaire.

[@ambertraceyy]

But given the current economic difficulties that the country is experiencing in 2023, how can we enhance our earnings during this period of adjustment? I cannot let my $780k savings vanish after putting in so much effort to accumulate them.

[@aureliobjm]

Well the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals

[@MarvishaN]

@aureliobjm Yes true, I agree with you. I have been in touch with a brokerage Advisor. With an initial starting reserve of $120k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k in months.

[@tommyers0]

@marvishaN I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@MarvishaN]

@tommymyershoffman There are a lot of independent advisors you might look into. But i work with HEATHER LEE LARIONI and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her

[@tommyers0]

@marvishaN She actually appears to be well-read and educated. I just did a Google search for her name and found her webpage, I appreciate you for sharing

[@cherik6710]

Getting out of consumer debt was the most life changing act my husband and I ever did. It is hard, but I cannot overstate how much our quality of life improved and our stress level reduced. We then focused on our mortgage and paid that off in 2022. It amazing how much money you have to invest and grow with when those burdens are gone. It is so worth it - but all hard things are. Being in debt holds you back.

[@rogerhoward1900]

I paid off all my debts along time ago since then I have been saving 5000 a quarter at the end of the quarter I invest in the stock market I am even tempted to buy some rentals

[@edwinrivera5009]

I have over $15K in credit card debt and 24K in auto loan. I'm starting these baby steps. I'll be debt free 🙏🏼

[@HQ4575]

Good luck, but hopefully you won't need it, just follow the simple plan 😊

[@Clevercatrice]

I'm in my mid 40's and if I continue as I am now, I'll have $2.5M in 20 years. 🎉

[@ebonylewis1680]

Paying off debt and saving money is Fun for me. 🎉

[@chrispaul3778]

"if you don't find a way to make money while you sleep you will have to work hard until you old".

[@maxiecharles2842]

I advice everyone to start investing and never rely on just salary. No billionaire made it through salary

[@maxiecharles2842]

90% of millionaires right now are investors in the crypto market

[@popsarah7805]

​@christianajoe8563It's not ignorance but due to some unprofessional broker in the market

[@leahmolly9150]

Obviously trading in bitcoin is very volatile and risky to trade that's the reason most traders trade with a company

[@leahmolly9150]

Learn and trade under a guide I do same and I hardly make losses in the market

[@jesshatchette]

Followed Dave's plan. I agree to this plan. It worked.

[@designsbydivas2014]

Spark vs Flame is a great analogy, love it and so true. Every time I have to dip into my Emergency fund I could give up but I'm not. I'd determined to get through the baby steps.

[@DaynasPage]

🎤 yes! We paid off our car today! One more debt to go and we are 💯 debt free!!