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@@moneywithjustliving5258 Good afternoon! Thanks for watching 🩵

@@PiggyBankTales thanks for watching 🩵

@@ticondy I can’t thank you enough for bringing this to my attention! I’ve never heard of this and had to do a bit of reading. Unfortunately, my company doesn’t support this and even if they did I missed out on the election window. But it’s great to learn something new and will be something to call out when I switch companies 🤩 Thank you! 👐

@@georgewilliamsjr173 Depending on whether I keep my job for the whole year I may or may not be eligible for a regular Roth. However doing the back door is really easy so I’m going to always do it back door from now own just in case. Thanks for watching!

@@CashBearMama Happy Tuesday! 🩵

@@Cclaudia228keeping my fingers crossed for you 🤞I’ve also had some friends who’ve had some luck with selling on private markets

@@debtisdumb welcome! I’m looking forward to watching more of your videos too 🫶

@@PiggyBankTales I’m glad! There so many YNAB shortcuts and I’m always still learning. My recent favorite one that I learned from millennial miss was seeing that you can cover overspending by clicking reset available amounts to bring the red category back to zero. Can’t wait for your next video :)

@@BoopnBudgets thanks for watching. I’m posting some more tomorrow 🙊

@ 🫶🏼🫶🏼

@@TurnerBoneHead yes and don’t forget to cash out before depreciation hits too 🤣

@@PiggyBankTales I’m very pro a month ahead category! I watched ur latest video just a bit ago and was thinking to comment about how using a month ahead category can help you with your situation saving for rent the month before you pay it. Thanks for watching :)

@@BudgetingMillennial Very true! Also glad to find your channel. Time to catch up on your videos during my walk :)

@@ScrubsandSavings21 haha just for you I’ll keep up with line by line budgeting for the month 👐

I completely missed this! I can't exaggerate my shock. You think after so many years of YNAB... So this budget actually took my 5 tries 🤣 Thanks for helping me find an extra $330! I hope there's some found money coming your way too 🤩

Thank you! Here's to us killing it again in 2025 👯‍♀

I was so surprised by how everything turned out for sure. Fingers crossed about 2025. I hope your 2024 also went better than expected! 🩵

@@gigi4874-w3wI’m glad you liked that part! Thanks for watching :)

@@YazWhyNYyou are so sweet! Thanks for watching and happy new year :)

@@ScrubsandSavings21 omg that sounds amazing! I’ve always wanted to be on one of those themed flights. Once I get into my new routine I will def be making more videos :) thanks for watching!

@@Kin-z8u You Need A Budget (YNAB for short)! Thanks for watching :)

@@sweetestbunny I have like 3 budgets going for next year because I have no clue what I’m going to do with my life?!?! Trying to figure out how to wrap it up into a short video. Thanks for watching :)

@@sinnamonstory best problem to have 🩷

@@charity7273 Thank you! I hope it really does happen soon 🥹

@@ScrubsandSavings21 Thank you! It’s all been a long time coming :)

@@sweetestbunny hi! Thanks for watching :)

@@NanetteLoves2Budget this was such a sweet comment and very motivating for my TH-cam journey! I definitely want to have more conversational videos adding my perspective from my unique financial background. Thank you for watching and I hope you have a great rest of the weekend! 🫶💙🫶

@@YazWhyNY Thanks for watching! I can’t wait to share more in the future

@@Robert-cc3wr I show both gross and after-tax in my videos. Right now it’s 6729 gross and 5216 after taxes only. Thanks for watching!

@ awesome, thank you! I’m new to the channel and I also work in tech. I’ve been trying to organize my finances better so this is helpful. Also, the tax is so little compared to what I get taxed in CA.

@@Robert-cc3wr welcome to the channel! My taxes may be lower because 1. I hit the social security contribution max so I no longer get that taken out (~350 back per paycheck) and 2. I’m maxing out my 401k and HSA which reduced my taxable income. I’m also in CA

@@sinnamonstory dang. Maybe I’m doing something wrong because after my biweekly check, it comes out to $4200 after tax (175k salary) hmmm. I’ll take your advice and maximize my 401k contributions to reduce taxes. Thank you!

@@Robert-cc3wr Are you adding back in the amount you contribute to your 401k? After all deductions (including taxes, my 401k (~1009 per paycheck), and health insurance), my paycheck is $4000. Definitely look over your paystub to see the breakdown!

@@minimalmiss yes finding the right work as the time passes is the most important part now once you hit coastfire. I’m enjoying seeing the new ways your are spending your money :)

@@ScrubsandSavings21 the audio comment is so appreciated 🥲 yes yes yes to big goals! I still owe you that video of my dream budget :)

@@moneywithjustliving5258 good morning! Thanks for watching :) I hope you have a great day 💙

@@OverthinkingandBudgeting1 welcome! 🤩 Thanks for watching

@@gigi4874-w3w thanks for watching :)))

@@BoopnBudgets thank you! I love your signature colors btw 💙

@@sinnamonstory thank you! ☺️ ❤️🤍🖤

@@Porcelynnn ahh he’s really my favorite boy

@@allenwang2894That’s awesome! We got this

@@beauzes1564 hahaha yay thank you for watching 💙

@@nicholasa5472 it’s called you need a budget or ynab for short. I’m uploading a video later today that will show some more of its reporting functionality. Thanks for watching!

@@0501Talina0501 hi 💙

@@sweetestbunny wait this is so sweet!! Your name is too accurate. I was just about to film rn and your comment is going to hold me accountable to editing 💙

@@sinnamonstory YAY

@@TurnerBoneHead I don’t really think about things in terms of percentage of my income but rather in absolute terms. This is actually a very big difference I have with my friends (and a lot of what I see in the personal finance community) and made for a good discussion we had recently. We were talking about how some people may want to get nicer cars when they can afford it but for me I just want a basic car that gets me where I need to go no matter my income. I feel the same about housing. I don’t ever want to own a mansion even if I could afford to. However, when I can afford my style, trust and believe my closet will be overflowing 🤣 With my rent now, I think I feel the sticker shock not because it feels unaffordable for me but because I’m renting a room and have a few roommates. I think my housing is expensive for what it is. But that’s becoming less true with time. Since my landlord hasn’t increased my rent since I moved in in 2022, now in 2024 I feel like I have a pretty good deal for my area! Hope this helps you see my perspective more and thanks for watching :)

I've stopped caring about increasing my income*

@@minimalmiss oh wow it’s crazy how small the ynab community is but how many parallels you can find with other ynabbers. Were you an international student all throughout college? The fact that you managed that and are debt free now is so inspiring!

​@@sinnamonstory There was a law called AB540 where I believed I qualified for in state tuition but with no financial aid and I took the community college route as a non-resident student. Finally got residency to apply for the last year🎉

@@crackintosh thanks for this idea! I definitely also like knowing about other people’s study plan. Are you a software engineer as well?

@@sinnamonstory yes currently a data engineer for a non faang looking to jump into interviews again. I’ve been working through the neetcode 150.

​@@crackintosh exciting stuff! there will probably be some overlap for sure then. neetcode's channel is an amazing. i'm also doing the 150. 40 more questions to go 🥲 good look to the both of us 🫡 we got this!

@@ireneroland3070 So many reasons but they mainly come down to moving to another company for better pay and growth opportunities (quitting would let me have the time to study thoroughly for interviews) and more time to work on my business without any legal conflicts. Thanks for watching!

@@chocOneOOne haha thank you for watching! Budget videos always set me straight on my spending too but spending is also personal so maybe you are just fine? I’m curious, why do you feel like your budget is a mess?

@@sinnamonstory I think I've had the same categories and breakout too long, it feels like I'm tracking and not budgeting. I mean I can't even follow what you're doing with yours half the time. I think I'm too granular in tracking spending. I spend too much time breaking up things like amazon or what restaurant I went to. As long as I've been doing this I feel like it should be more mature than it is.

@@chocOneOOne I definitely feel you about just feeling like you are tracking and not budgeting. I felt that way just constantly covering overspending instead of committing to a number to spend for a category. Keep experimenting and you'll find a routine that works for you and even after that your feelings might change and you'll need to experiment again! I'll go slower and try to be more clear with future budget videos so they are easier to follow. 🫶

Thank you! Now the hard part begins--sticking to it 🤞. I hope your August is off to a great start

@@shadowpig60 I’m gonna keep working on finding a better mic set up for my next video. Thank you for letting me know!

Agreed. Yes please

@@chocOneOOne I’m trying very hard to have my shit together but I’m far from it. Finances are one area for me that I tend to have together bcuz it’s quantitative and that works very well with my mind. I definitely have been training my management skills for decades now as an older sister to younger brothers 🤣 I’m only able to figure things out from learning from all the people before me so I’m really grateful and hope I can help speed up some learning for others! Thank you for watching :))

@@deerine it’s called you need a budget or ynab for short!

@@christinemitchell6210 getting something secure would be so hard and my patience is tanking which certainly isn’t good 😬 but I do agree with you. It’s funny the mentally gymnastics I do when it comes to giving myself advice 🤣 This story about your community showing up for you is so beautiful! I hope you are doing well now :) Thank you for watching. And yes to the HYSA. I should have called that out in my videos. Currently earning 5% which adds about $200 to my budget. My checking account holds $500-$1000.

@@silkalmony5357 I’ve considered it historically but I decided I’d rather splurge on an American doctor who I can easily meet up with a few types to get aligned on the same vision. Honestly there’s so much thought and research I had to put into figuring out where I want my surgery done. I wish surgery in Korea made the most sense for my concerns (for example if I had a low nose bridge) because that country is an efficient machine! Thanks for watching!