VELOCITY BANKING!

[@martinfrog7752]

I dont know how I ended up watching this, but I am hooked...

[@levelupii4663]

Me too! I am a new subscriber as of yesterday! 🤗💕

[@momentsoftruth-artandpoetr4616]

me too!😍 discovered her yesterday and am a new subscriber since then. It’s a great value of knowledge and I pray that she really writes and releases a book soon! That would be awesome and another blessing for us folks 😇 God bless everyone! ❤

[@meka1002]

Yes lol

[@youngkyguy]

Math is finally fun now!!

[@VanntasticFinances]

@@youngkyguy I know, right!!!?

[@tonydouglas863]

I've done this after watching Denzel Washington first and then Vanntastic. And before I started, it hit me that I'm basically transferring amortized debt into simple interest. I paid off debt so fast that I qualified for the All-In-One Loan on my primary residence and my rental property. If folks look at their amortization schedule on their mortgage and think about how many months or years they can take off their mortgage loan by chunking....Oh my goodness ! What a blessing 🙏🏼

[@ClassicRoyal]

Printed it my amortization schedule yesterday!

[@rachelbates6263]

Where can I find the video for Denzel Washington?

[@PaulEEish]

Most companies use lines of credit -- typically millions of dollars -- to meet payroll, expenses and manage debts, especially since customers typically pay bills on a 30-day basis. Indeed, revolvers are the grease that keeps commerce running. Your videos are helping many do the same, but on a much smaller scale. I have sent your videos to my son, who now uses one credit card for his expenses. He started with a $300 line, which now is at $10k. Your system works. TY for your videos, which are helping us manage debt.

[@marvajohnson6622]

This new way of banking is a game changer and I can't wait to eliminate my debt and increase my giving❤

[@rn6542]

❤ I have been praying about tithing. I keep asking God that I could tithe more if He would help me to figure out how to get out of debt. You came into my youtube feed. I wasn’t even looking for videos to get out of debt. God answers prayers. Thank you. I so appreciative of you. I will pray for you and your family. I’m profoundly thankful. I started velocity today after watching many of your videos. I took the leap today. Today is St. Nicholas’ Day. Great St. Nick present 🎁

[@GizmoJeff232]

I really enjoy your show. I really enjoy what you’re doing because you are helping people the hottest thing I have watching your videos lately is that you are commenting to people that are writing into you at the same time that you’re trying to show us a program that’s very confusing and it’s hard to follow because you’re talking to a different people at the same time. You’re trying to explain something to to the group so it would be really helpful if you just concentrated on theprogram that you’re sending us and let those people ask questions and then you answer them later or at the end of your program thank you you’re doing wonderful

[@tanyaharris8492]

I am so glad that I selected your video by accident. It has brought me so much hope. Thank you.

[@ClassicRoyal]

You have just described everything I’ve thought of to get extra money! In studying this so I can start immediately. I don’t believe in wasting my life and people believe in beans and rice, 3 jobs, and driving a junk heap! Thank you for teaching us this way of thinking because I retire in 2 years, have some debt to pay off and want to downsize and build a sweet cabin on family land, living a simple life. I tried Dave Ramsey and I learned a few things but his mantra did not click with me over time. Glad to be here!

[@PalmiraGonzalez-x4h]

Navy federal is in a lawsuit right now. There employees were using there customers information.

[@ChristinaBastilla-yx3hj]

You are an Angel 😇. Thank you. Thank you. I’ve been praying for your advice. 🙏🏻🥰

[@VanntasticFinances]

You’re welcome! God bless you!

[@ClassicRoyal]

I’m gonna teach my 19 year old on this so she’ll have a lifetime of doing things the right way! That is going to be my redemption, if my sweet Steph can live like this, she’ll have the life long advantage!❤

[@MsPewGirl]

GOD BLESS YOU!!!!! I am so excited to start this process!

[@VanntasticFinances]

I’m excited for you

[@stoobpendous]

My wife is Puerto Rican. We live off beans and rice. 😅

[@Honesttalks287]

Yep, that is true for central Americans as well..lol😂😂

[@Joce123]

I found it was a budget improvement to make sure that the beans that I was eating were being soaked overnight vs canned beans and cooked with my rice.

[@kg2mmhamradio]

When you got to mo5 you subtracted wrong and got the wrong amount for the balance but I understand everything you did. Love the videos and learning everyday.

[@apriljasonr]

Thank you. Can't it enough. Paid off our cremation. So our kids don't have stress over it. I'm in my early 40s. Now I need to pay off my debt.

[@Joce123]

We've signed a form to donate our bodies to science.

[@melodyherrera8048]

Teach us also about the credit card ending date in each month that allows you 60 days of no interest before making the payment.

[@sunoveristambul]

Thanks. I'm hooked too.

[@selinadixon71]

LOL when you calculated that interest, you did the same thing I do. I have to use a keyboard to even spell complicated words.😂

[@jdepaz666]

One of your best videos

[@TruthSeeker247365]

A comparison video of velocity v. snowball banking to see which is fastest.

[@BodaciousWench]

You got sidetracked when you were answering about what to do when you are out of debt.

[@carbecker9636]

hi, well thats a great problem to have. Have you decided?

[@tholland5229]

Navy FCU will not link Checking to credit card

[@alexispalmer840]

My Nfcu Amex does. It’s how I pay the mortgage.

[@chsrlottetaylor5804]

I love your videos im praying for us to.get out of debt so we can start giving Charlotte

[@sunoveristambul]

Please get your "whole life insurance agency documents", so we can come to you.

[@jodiejorgensen]

How can I consolidate debt using a credit card if they only accept debit

[@WOGTishProv18]

Checking the replay #Virginia#

[@gina77duc44]

Thank you for your channel!! God bless you

[@jimmiewhite7635]

You are a superstar love you HAMMER and Carol White

[@bethmitchell6981]

Man I hate I missed you!! God Bless

[@ELCAMPEONist]

Great Job, great ideas thank you.

[@Magnificent_M]

How do you advise us to calculate periodic expenses. Etc taxes, Birthday , Christmas ?

[@MrGordo5000]

I purchased some 1 on 1 time with you for eom February...Can't wait to solidify the technique,just have a couple of questions...

[@hedgefund996]

Awesome Educational Content

[@jf2001]

I have student loans, private and aid (FAFSA), is it possible to approach these debts using velocity banking?

[@TruthSeeker247365]

They need to be a revolving account so you can pay bills with them.

[@carbecker9636]

Hi, you would have to share the details about all your debt, income... in order to help. Though at this point I would say it's worth you watching lots of Christy's videos . I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page, your own numbers. All of them. Feel free to reach out if you want some help. Carin

[@rn6542]

I super enjoy your videos! What eye bag product you use?

[@charleswilson3493]

Can you help someone with a $2600/mo income with a negative $1930 cash flow????? personal loan and several credit cards included.

[@carbecker9636]

yes it is possible

[@anitaboddington4837]

What is an infinite banking policy? I’ve never heard that before.

[@melodyjenkins1503]

This is hilarious! I missed the eye bag show tho🤣

[@apriljasonr]

Thanks!

[@VanntasticFinances]

Thank you!

[@patriciamartin4349]

what credit card do you use???? Not all credit cards accept cards as payment????

[@torey4322]

It’s a line of credit NOT a credit card

[@rachelbates6263]

Is there a way to locate your videos from the beginning?

[@daleneb24]

How many times do I have to watch this before it makes sense? It is just so confusing.

[@raisedbobcat8266]

1. Open a line of credit loan 2. Put all or some of your debt in it 3. Use this loan for your monthly expenses 4. Put your whole monthly income into the loan to pay it down. 5. Repeat At least this is how I understand it after watching a few videos

[@ClassicRoyal]

I’ve been watching for several months and now I’m really watching most everyday. I’m starting to get it. I’m researching HELOCS.

[@maritzadudley2365]

If you don’t have a property can you get a line of credit

[@catherinequigley569]

A credit card is a line of credit but you can apply at your bank for a personal line of credit.

[@GOKUBK77]

What about a car lease payment it is $735 at zero percent for 39 mo ? Currently have 32 payments left and have no cash flow now ! Should I pay it off with a cc at 25 percent or do nothing because of the zero rate on car lease thanks .

[@VanntasticFinances]

You would probably want to leave that alone, since it is at a 0% rate

[@juliemoore8046]

Do I understand correctly: you pay your mortgage from checking, and if the balance is at zero, the payment is made from the CC connected to the account, and that is not considered an overdraft? I have a cc connected, but I think it would be considered an overdraft and incur a fee (Bank of America).

[@latishabattle8582]

I have a Credit Union account Definitely overdraft or cash advance fees are applied at different interest rates on cash advance of overdrafts. She said not to really worry about the interest because we are applying our entire paycheck

[@KitKat10281]

What if you only have a $500 limit card with 29% interest available (and terrible credit, so no ability to get more credit)? Can v.b. work in a situation like that?

[@rolltideroll68]

Yes. And as you use and pay off that card, two things will happen: 1) the card will INCREASE your credit limit, and 2) your credit score will INCREASE.

[@KitKat10281]

@@carbecker9636 I have been slowly, but surely chipping away using VB. We've had a few setbacks, but we ARE making progress and will continue to work on it! 😀 thanks for asking!

[@ingridkhajeh8982]

To your subscribers... It is hard for them to wrap their heads around paying bills with a credit card and pay that with a credit line. Because credit equals debt to the general public. What you are teaching is f*CKING GOLD WOMAN. yES, STAND YOUR GROUND PEEPS. tHE BANK WORKS FOR YOU NOT VICE VERSA.

[@trishluna1807]

I am wondering where in the expenses are Food, Fuel, Entertainment and Haircuts?

[@ClassicRoyal]

In the expenses that come out every month along with monthly payments you’re currently paying.

[@ariannameruz1435]

When you say send the income to the credit card...is it a manual transfer?

[@rolltideroll68]

No. It’s literally a credit card PAYMENT.

[@carbecker9636]

place your income into your debt tool in this case a credit card, keep out the money you may need to pay bills that can't be paid with your credit card debt tool such a car payment can't be paid with a credit card, nor can a loan be paid with a credit card.

[@sharonjackson7260]

Hi, how can I start this line of credit and put all of my money in the bank or on my credit card. I am debt free, I am only paying for my credit card and expenses.I am enjoying your advice.

[@guysawka818]

Hi If I’m getting a HELOC right now should I get a 3 year or 10 year?

[@jordansantiago2123]

Your videos have been a game changer, question: I have a card from my bank that I am setting up to use for velocity banking, I have never heard of it being “linked” to my checking account. How can I check this? It would be so much easier if I can in fact use it like a line where I can pay my car and mortgage out of instead of keeping that money for those expenses in the bank. Thanks in advance and God bless you!!

[@Peaceonearthrn]

You may be able to set up a transfer each week as your bills come in. I'm still trying to figure out the cash flow item since we try to use or have cash on hand for emergencies.

[@carbecker9636]

you can always change lenders if your's dent work that way

[@MJames-e2e]

Hello from tennessee

[@WOGTishProv18]

Can you share a prospective when your cash flow amount is subject to change. I work different hours each week, but paid biweekly. I will be making my first payment to a cc following this outline. I do not have a line of credit.

[@PjSmith]

I just learned about this yesterday and I’ve been trying to figure out my situation Problem- I can’t get a line of credit I’ve tried But I do have credit cards and my usage is only 18%. I have one credit card that has $8000 available. The problem is I can’t use a credit card to pay off a credit card. What do I do??

[@motivationthinking850]

Yes u can

[@PjSmith]

Well I have since learned that I can use my debit account with my credit card as overdraft protection and therefore I pay credit cards with my checking account and then the overdraft kicks in and is paid through my credit card- brilliant!!

[@cecif9419]

I still feel like she is missing the interest from the balance still on the credit card. Yes the minimum payment is eliminated but there will still be interest from the remaining balance The debt will be paid back but considerably slower The credit card company knows what they are doing

[@jennysteele1913]

When your credit card is linked to the checking account, do you get the rewards points when it pulls your mortgage out?

[@beabchill]

I suggest you connect and check with your own credit card company for this specific question because each cc company have categories on what classifies/awards rewards. My cc changes overtime so for example I can gain more rewards if I shop at groceries, gas stations, and or if I spend a certain amount on certain hotels, travels; flights, rides, cruises. However, none of my cards offered rewards for a certain “blank” amount spent; All are specific on the listed categories. An example of what I do not gain rewards is if I shop for gas at Costco and pay with a visa credit card (Costco is partnered with Visa but no rewards are awarded unless I use the Executive Costco Visa credit card and not my high yielding visa credit card). I hope this helps with your question 🤷🏽‍♀️

[@anthonycastro8213]

Hello from Schaumburg, Illinois was hoping somebody in here might be able to point me in the direction of a credit union or bank that offers personal lines of credit out here so far I’ve had no luck

[@ramys642]

Hi! Old Streamwood resident here. KCT Credit Union in Elgin offers a credit card that you can use as a LOC.

[@1PrettyNupe4U]

What if I have a CC with fixed APR of 6.9%

[@carbecker9636]

Hi, Yes that's great rate, keep it. And it doesn't really matter much if you are doing VB because you will pay off your debt so quickly. Did you get started yet?

[@hunterchasemaynard2529]

Question?. My bank won't Combine my personal line of credit with my checking account. They will only do an overdrive protection from my checking account.. I have to pull out the money from my personal loan and put it into my checking account and then pay my bills out of that. Which I think sounds okay... From my checking account I would write checks and then that would take care of the bill. But the money still comes out of the personal line of credit so I kind of understand the concept but it's weird that I'm transferring money from my personal and credit to my checking account and from my checking account. Transferring back over to pay my bills.. I hope this makes sense to anybody..My bills come out of the LOC .. But my mortgage wont😢. My mortgage wants the money to come out for a checking account.

[@carbecker9636]

I would look for a better lender that will work either very well or great for VB strategy . If you want help feel free to reach out. I have been doing VB since June 2023 and it's working out very well for me.

[@joshbaggett7628]

I need help getting started. Is there any way I can contact you? Thank you

[@carbecker9636]

Hi, you would have to share the details about all your debt, income... in order to help. Though at this point I would say it's worth you watching lots of Christy's videos . I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page, your own numbers. All of them. Feel free to reach out if you want some help.

[@SheDoFoodsGoodsandMoods]

Where can you get a line of credit from? Does the same bank you're a member of and owe a credit card balance to, give you a line of credit?

[@motivationthinking850]

Pay off the cc if it still open and use that account

[@ClassicRoyal]

If not research a HELOC AND SEE IF YOUR BACK LINKS IT TO CHECKING.

[@MzMochaCutie16]

@VANNtastic! Can one obtain an LOC with a score of 634 or should it be a bit higher??

[@Peaceonearthrn]

Im not seeing how much the mortgage is or how its being paid. . Also, where is the cashflow going? Can anyone explain this to me? Isnt the cashflow going back to the LOC?

[@alexispalmer840]

All monthly payments are coming out of her monthly expenses from the $4800.

[@bumpythomas6932]

How is this person paying their mortgage?

[@ClassicRoyal]

With the line of credit that links to your checking.

[@daleneb24]

I don’t understand the expense payments. How does it work when you are mixing credit card payments with other things like food, gas or whatever else will take payment with a credit card? All my credit card pmts come out of my bank account.

[@carbecker9636]

Hi, You can do this too! I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page your numbers. All of them. Feel free to reach out if you want some help. Carin

[@ClassicRoyal]

@@carbecker9636That’s what I’m doing too! I’m copying this list and taking notes. I am reading Helocs. Be sure to get your goes monthly income before taxes and when that comes in- that would go to the line of credit ALL of it- pay from the line of credit! Your balance should be zero in cig in Velocity Banking. ( All info from this particular video)

[@aimeedelephimne5663]

I'm with a credit union (RBFCU) and I have a credit card and checking account with them, but there is a 2% fee each time there is a balance transfer or cash advance on the card. I'm confused how to link them and not incur those fees each time a charge hits my empty checking and pulls it off the card instead?

[@VanntasticFinances]

My personal credit union and many do this. You may need to ask your bank to link your credit card to your checking account. There should be no fees. Check with Pentagon Federal, credit Union, and see if they can help you get a good credit line.

[@latishabattle8582]

Try to get an Open end Loan Line of Credit

[@juliemoore8046]

So is she doing balance transfers onto her credit card? What about loans? Can they be paid with a credit card?

[@lindayoung6882]

What do you do when you are out of debt?

[@mikenotta7079]

Continue using the loc and use the money how you see fit. Me personally, I'd use it to invest in a Roth Ira or through a broker, but keep the loc open indefinitely.

[@t3134]

Thank you; I appreciate your content. I wasn't familiar with lines of credit before your videos. How do people pay their bills using the line of credit? Do the banks or credit unions usually attach a credit-card-like account number and expiration, or is there some kind of direct bill pay option? I have watched several videos but still somewhat caught up on that surely-simple thing.

[@joyfulrealtor]

I have my credit card listed as a bill payment so I can transfer money from the LOC to CC

[@t3134]

@@joyfulrealtor Thanks! I did secure a line of credit since my comment, and unfortunately I'm not able to pay bills from the line of credit (bill payees only have checking/saving as paid-from options) with the type of LOC my credit union provides. I can only do lateral transfers to/from my checking or savings account. I wish I could pay as you do (and as most of Christy's clients I'm guessing), but in the end I'm just grateful to have the LOC at all and will make the most of what I have.

[@alisonpowley5402]

@@t3134 My husband and I obtained a HeLoc from our Credit Union but it works like yours. No direct payments from it for expenses we have to do account transfers. Still trying to wrap my head around making that work.

[@raydlt3703]

I have the same question? I cant use my loc like a debit card. So i guess i have to use my credit card to buy everything and before its due transfer the full amount from the loc to my cc. But then it will screw up the intrested if its calculated daily. Since i will be taking it all out in one shot?

[@carbecker9636]

@@t3134 Hi, I hope you searched and applied for another PLOC's that will work this way. It is much better for you with Velocity Banking. Good Luck

[@zulya98]

What Infinite Polices you using?

[@marykekana2419]

Can i use my cheque account in a similar manner when it has a permanent overdraft that is large and its satisfied each time my salary comes in?? I am only charged interest on the amount used.

[@daleneb24]

Does a debit/credit card work this way?

[@xavierlopez6646]

If I don’t have a HELOC line of credit, can I do this by doing cash pull outs on my credit card?

[@carbecker9636]

Hi, You can do this too! I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page your numbers. All of them. Feel free to reach out if you want some help. Carin

[@jrobinson1244]

Can you do this with an installment loan?

[@cardninja2010]

2 math errors - Expenses on month 4 did not include interest and adding $15,603 and $5,411 is not $11,014. It’s 21.014. Not saying it doesn’t work but should have someone double check the math before posting.

[@christopherrogers8316]

how can i do this without a line of credit?

[@ClassicRoyal]

HELOC, PLOC, or credit card linked to checking with a high line of credit.

[@XRPeanuts2Riches]

I have credit card debt and a mortgage i want to pay off. How do i start?

[@carbecker9636]

Hi, You can do this too! I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page your numbers. All of them. Feel free to reach out if you want some help. Carin

[@bigteewat]

Navy want to charge me balance transfer charges.they allow me 7500 of the 25000 to my account even though they are linked. Help!!

[@VanntasticFinances]

Navy isn't great to work with when it comes to Velocity Banking. Maybe look at another bank...?

[@carbecker9636]

I would look into another credit union, bank or credit card first. Though at this point I would say it's worth you watching lots of Christy's videos . I have been doing VB 7 months. It has worked out very well for me. I find and teach other that it works best if you start by watching many of Christy Vann's videos that are close to your situation first. Sit with a pencil & notebook. Do the math yourself. Keep it up. You are retraining your brain to work with math and money in a different way. Then write down your goals and on another page, your own numbers. All of them. Feel free to reach out if you want some help. Carin

[@sheila3779]

These lines aren't free. It costed me over $1000 to get mine.

[@raiden031]

That's why it's a stupid way to pay your bills

[@shannongivens3190]

Can you pay all credit cards with a credit card?

[@carbecker9636]

Hi, not directly but there are some work arounds. Did you already get started with VB? Reach out if you want some help. Car

[@conservativeyank5481]

be careful LOL the banks must really hate you

[@conservativeyank5481]

but we love you

[@m2lookmtn358]

You keep talking about "she paid off the car". Yes she doesn't owe Ford motor credit anymore, but all that happened was the debt was transferred from a low interest to a higher interest. She's still paying on the car through the velocity system. I like what you teach here, but there's something slightly disingenuous about the presentation of the material.

[@troyrobertson8206]

Can this work the same with a weekly income?

[@carbecker9636]

Yes it can, I have a variable monthly income and pay off my debt weekly.