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Agreed, it’s not an effective strategy! Thank you for sharing your insight!

For which point are you asking?

Yes, you are correct the price gouging bans do exist in many states and the application varies but they typically apply during declared states of emergency and for essential goods. A nationwide ban would likely have a different result. Thank you so much for sharing your opinion and for watching!

Thank you! 😊

Thank you so much! Glad you liked it and welcome!! 💜

Glad you enjoyed it! 💜

Glad you liked it!

Glad you enjoyed it!

Glad it was helpful! Hope you enjoy Thrive! 💜

Some ALDIs also have pickup. Just something to look into

valid point! I see someone mentioned that some Aldis have pick-up but definitely not as convenient as delivery. Thanks for watching though!

Thanks for the feedback. I did give examples in the video, both verbally and with a chart. I think the whole concept is pretty clear and straightforward. It comes down to what you mentioned at the end - either you invest your money wisely and gain or the bank will. Anyway, appreciate the comment and thanks for watching!

I hope you find them helpful! I've found the check-ins to be very valuable to not forget to review how my investments are doing. Thanks for watching!

Balance is definitely needed. Thank you for watching! :)

I addressed this early on in the video! This obviously doesn’t apply to everyone, so if it doesn’t resonate with you, it’s not for you 💜

@moneywithpriscilla I'm not talking about that video, I'm referring to this one! Again should I stop saving with a net worth of $1.7 million?

@@williamhodges3941 I was referring to this video and your concern about the current times. As for what you personally should do, that's not something I can speak to based on a few sentences in a comment. It depends on your goals and many other factors.

@@moneywithpriscilla By your logic, I'll keep saving on top of investing.......

⁠@@williamhodges3941 your discourse comes across as nasty. Net worth isn’t savings. In this context savings isn’t even someone’s stock portfolio plus immediately accessible cash in the bank. That’s how some people define savings, but not others. In this case It’s just the immediately accessible cash from one’s bank and wallet that doesn’t need to be traded and isn’t borrowed against someone. If 99% of a 1.7 million net worth is in home equity for a home that one is still paying for, then one should almost certainly have more savings money that’s more accessible. If a 1.7 million net worth is all in cash under the mattress, that’s more than enough accessible cash. But then one should probably focus more on allocating that money better rather than prioritize adding more to that saving’s pile. If you’re under 50 and have that money well diversified and have a good plan to continue to live below your means and hit your financial goals, then a 1.7 million net worth is probably plenty. Net worth only tells someone so much. If you want good financial feedback, at the very least you want to mention your age, where you live in terms of cost of living, and what you have as financial goals to give someone an idea of if a 1.7 million net worth is “enough”.

sorry about that, I've added the link in! 💜

Thank you so much! Glad you enjoyed it!

Yes, it has to do with my faith. God hates divorce. Marriage is a serious lifetime covenant and I would never file for divorce except in extreme circumstances, and as led by the Lord and wise counsel.

@@moneywithpriscilla oh lord😂 im 100% sure that if you was earning more money than your man you would want a prenup too

@@officialmrbourgeois3933 you are 100% wrong lol

Glad you found it helpful! Thanks for watching!

Thank you! Glad you liked it!

Thank you so much!!

I actually am a CPA haha but I agree that everyone should personalize the formula for themselves. We all have unique circumstances

That's dumb. People should not hire an expert for everything they do. You shouldn't hire a tax guy if your taxes are simple. You shouldn't hire an engineer to design a simple little deck. And you shouldn't hire a CPA if your just want to put 15% in an index fund.

Interesting structure!

That is most certainly not ideal. 25% effective tax rate is way too high. More like 15% plus your state tax rate. And 25% to housing is also too high but that’s very subjective depending on where you live and what you make. But the goal should not be to spend 25% on housing, it should be to spend as little as necessary.

@@jacobjohnson4763 A normal middle class person, with normal middle class ambitions, shouldn't shoot for making over $90k. If you make over $90k you should look into cutting down hours, while still hitting $90k (like get down to 30 hours a week on average) But Ideally you make $90k. Then your 401k contribution would be $22.5K, your monthly budget for housing would be 1,800, meaning your mortgage portion on that would be $1k a month on a 30 year mortgage.(which is about a $200k house) I'd want to live in a not very expensive city where that price gets you a decent little ranch house in the suburbs or maybe a slab house if the markets too tight, but I'd want at least 2 bed and 2 bath in a decent neighborhood. Then if you have extra money from your budget like if interest rates go down you put that money on the mortgage to pay it off sooner, but expect to pay 25% for your working life. This house price allows you to take advantage of the primary residence tax.(which lets you sell your primary residence tax free for the first $250k) Meaning when you retire you can sell the house and get tax free money to buy another property or invest.(moving out of the city when your young and retired usually makes sense for tax/investment reasons, you can often get something in a poor job market that's just as nice as you had in the better job market for half the money, then you can invest half of the cash from your house into whatever) Next taxes on $67.5k of taxable income is about 23% when you add employment tax and federal tax and an average state tax.(the rest you will be paying in sales tax) Lastly you have about $1800 per month to do everything else. (which you should be able to do pretty comfortably) With this plan you will be able to retire comfortably in 25 to 30 years.(depending on when you pay off your house)

@@jacobjohnson4763 67K in taxable income in a state with at least a 4% or 5% income tax(which is half of them) and a property tax of about 3k to 4k, which is most of them, will put you at 25%. You can get your property tax and income tax down by moving to some states but that usually equals an equally big drop in income, so 25% seems fair. As to the housing thing you need to own if you ever want to retire. Which means a mortgage, which means $1200, for anything good that you want to live in forever, which is also near a good job. Which is 25% of your income after expenses.

@@jacobjohnson4763 If you're paying well under 25% in taxes, for federal income tax and state income tax and payroll tax and sales tax and property tax, you are not making enough money. And housing cost ideally should be about half equity building cost. Which is smart considering it's a good diversification in case housing prices go up 53% in 4 years or you lose your job and can't afford rent.

Thank you for sharing! Personalization can be really helpful and sounds like you’ve got a great plan in place to reach your goals! 👏🏾

lol 😂 😂

Yes, I just checked their site and continuous direct deposits are still required to earn the highest APY. The alternative that they list is to deposit at least $5k every 30 days. But, there is no minimum direct deposit required, so you can set the amount super low!

Thank you for watching, glad you found it helpful!!

Thank you, glad you liked it!

That is none of your concern 💅

People have been getting married without prenups for centuries lol

I’m open to criticism and debate, but not to disrespect. Hope that clarifies things for you :)

Thanks for watching! Cybersecurity is definitely something to be conscious of. I personally haven't had any issues with my HYSA provider, but looking into the protocols of the banks you may be interested (multifactor authentication, encryption, etc.) is a smart move!