MILLIONAIRE EXPLAINS: When Friends Ask Me for Money (I Solve All Their Money Problems with This!)
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- เผยแพร่เมื่อ 9 ก.ค. 2024
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Our Rich Journey - MILLIONAIRE EXPLAINS: When Friends Ask Me for Money (I Solve All Their Money Problems with This!): Ever wondered what happens when friends ask us for money? As millionaires, we sometimes get approached by friends with their financial problems. In this video, we share how we solve their money problems. If you’re constantly struggling with money, then watch this video for the one solution to your problems. And if you’re the person always helping friends and family out of a financial jam, then watch and share this video. Whether you're curious about how to handle such requests or looking for solutions to common money problems, this video has you covered! Don't miss out on these valuable insights
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For many years I was the only one in my family that had any money. We all came from the same place. Eventually I stopped giving family members any money. It never goes to whatever they told me it was for. Now I will maybe buy them something specific. A Washing machine or whatever, but I never give cash. Eventually they stopped asking. They know what the answer will be. Some of them finally got it together thankfully.
Yes! It’s the consistency with your answer that can create the proper boundaries with friends/family and money!
We must have the same family! That’s my situation to a T!
This is so true. Don't handicap your loved ones by bailing them out. They have what it takes to become financially mature. Trust enough that they will find their way ( especially if you send them good resources like 'Our rich Journey')
@@Austenfan177Wow!! 🤦🏾♂️
I am the family scapegoat I was not only giving nothing but actively sabotaged.
Never knew I had money until I made a budget a decade ago. The biggest key to success. Went from thinking I could never retire to retiring early.
My eldest brother stoped talking to me because I stop giving him money. Funny, he doesn’t remember all the other times I “loan” him money. The time he had me sign a personal loan for him and he stop paying. I given so much money away, I could have been retired.
you dont even have to be a millionaire. you can just have a "good job" and here come the begging.
That’s 💯
EXACTLY.
Exactly. I keep telling my friends stop posting when you get a better job/promotion on social media. All you will do is attract leeches.
Facts !
😂😂😂😂
I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.
Thank God someone is saying this! I work in personal finance and I am so sick of people spouting the nonsense that it’s the economy why they cannot get ahead. 90% of the time, it’s my clients that are at fault. They want what they cannot afford so they choose wants over needs. Or they simply decide to not strive for more. Simple as that.
Thank you! Had too
It would bother me not to have a ledger. EXCEL is my weapon of choice. 50% of the USA making $100kyearly don't have $1,000 in savings 33% making $250kyearly can't pay their credit balances in full. 😐
When I was in my late teens (in the '80s) I had an older cousin who always asked to borrow $20 any time he saw me. My grandfather finally advised "next time he asks to borrow $20 loan him $10. As long he owes you he won't come around". My grandfather was right and it was the best $10 I ever spent.
Also, your friend asking to borrow money and telling you that you can afford it, is a big breach of the Man Code. I grew up with and around a bunch of old school guys and "counting another man's money" was considered a major insult and fighting offense. It was tantamount to calling that man your B***h.
I've dealt with this so many times for so many years. I have set my boundaries with family and friends - even with my own siblings. Setting boundaries changed our relationship for the better. To the friends who viewed it as a bad thing, well - maybe they were not true friends to begin with.
and I have told them that I'd be willing to teach and show them how to have a plan like you detailed here. Only my sister came back with show me how... I don't force it upon them. They gotta be the one willing to change and learn.
Yes! Clear boundaries (and sticking to them) can change the dynamics - many times for the better!
Yes I use to be the savior until they constantly started being disrespectful I pretty cut 50% of my family off.. I stop playing God and being an enabler now at 50 I’m being SELFISH for the first time in my life! Now it’s all about investing and acquiring many assets as I can
I had a friend asked me to take 20k from my retirement account to give her a loan! Unbelievable! 😂 she refused to file for unemployment/ welfare cause she says “ that’s degrading and traumatising “. I said YOUR BROKE!! I must have ask for money on my forehead cause my family for decades asked me for money! Finally I discovered the word No!! I was the villain but hey, they finally stopped asking.
Time to "defriend" the girl who wants to make you poor in retirement so she feels less degraded.😒
Good for you, I need to learn to say no!!
I have made the mistake of making loans to friends in the past. It changes the relationship. When you see someone who borrowed money spending it foolishly, you will judge them (it can't be helped because that is money you worked hard for and carefully saved). Rather if I feel there is a need, I give them the money and don't expect anything in return. But this is only a one time deal. I try to get them help to teach them about money. Give a man a fish, feed him a meal. Teach a man to fish and he never goes hungry. Well said Amon--I admire your courage in this situation and agree!
I sent this video to my sister LOL
In the past I let her borrow too much money so she could have an apartment for her kids otherwise she was gonna be homeless and loose her kids to the state. She was supposed to pay me back but she never did and yet she keeps asking every once in a while for more money always coming up with new sad story emergency that she needs money.
I'm so sick of it and I won't be taken advantage of no longer and could care less if she gets mad and never talks to me again for not giving her money.
On a good side is that my Robinhood brokerage is looking good. Building a good portfolio is time consuming but definitely pays off for all the hard work 😊
Love the story and can relate ❤
That's why I drive old used cars and wear second hand clothes. If someone asks me for money, I say first get rid of your expensesive car and lifestyle.
😂😂😂 That’s one way to shut them up and take a hard look at themselves.
Even if you're worth $1M live like you've been paid $70k. Live below your means.
I have them sign a notarized legal agreement to pay me back, amount, date, times and interest rate, and they pay for the ppwk and administrative fees, and if they can’t agree to my terms and conditions, then we don’t move forward, long-winded way to say no, but it gives them an idea to ponder if it’s worth asking me and that’s the whole point
I like it ❤
If a friend wants to borrow money, lend them the amount that you're comfortable giving away. If they return you the money, thats a friend you keep. If they dont, they won't come back to you ever again and you're essentially buying them out for an insignificant amount of money. Thats a Win/win!
Loaned my buddy $1200 dollars. That was a year and a half ago. Wrote it off at this point.
Totally agree. I lent $700 to a friend who calls himself a financial coach for Primerica. He promised to pay it back within two months.....it now has been over a year. Guess I have to write it off.
Is he still your buddy?
Good thing you wrote the $1200 off and not your friend❤
They may have needed it more than you can imagine.... you had it and you kept it moving.
It would have been different if you told that friend, " I need it right back!"
These people are not scam artists. They give financially sound advice. Most other youtubers are scam artists
Thank you
@@OurRichJourney you are very welcome you guys are a blessing to me. A lot of the things you guys mention in your videos I have already been applying in my own life so I know this stuff works.I've also picked up a few ideas and tips from you along the way which I'm very thankful for. So thank you also
It’s also difficult having friends that are not stable. It’s always something with them. For me, the relationship always turns into me having to take care of that person. Lending money becomes a part of the relationship. Each time I get a text I know at some point they will ask for money.
Yeah, same. I think it's important in those situations to see the situations for what they are and decide if you have the energy to take that on, and if so, to what degree. There are a few people in my life where I regularly give concrete, specific types of help but also have set clear boundaries so it's emotionally and practically workable for me. But what's interesting is that when they've made efforts to make it a more reciprocal relationship, I've had limits there too. Like sure, if they ask, I'll tell them what's going on in my life in a friendly way, but if I really needed a friend to talk to, I instinctively wouldn't turn to them (even if they would be emotionally trustworthy in that way)...I'm not sure what it is, I'd rather just kinda keep it simple.
There’s a difference to me between someone going through a tough moment as in not being stable and those friends/people that are NEVER stable. I stay away from the ones that are never stable because they’re the problem and will always be a problem if they know you have it.
Bill Cosby said a long time ago "sign your own checks and don't loan your friends money. If you have it to let them have, let them have it. What can happen is that you lose your money and your friend"
Surely you can find someone better to quote than Bill Cosby. He is a monster.
He graped 50+ women
@@paulbernard2094What he did and that bit of wisdom are separate things. I am not a supporter of Bill Cosby but what he said was spot on.
Ask them: If I lend you money, we can't be friends anymore. Do you still want to borrow money from me? If yes, I'm not your friend anymore so get lost.
A little bit of money?!? I had an older brother and co-workers (supervisor) calling me like I am the money savior. Get it together.👏👏 I was a single mother and working in the military. You are crazy. I had to feed, to clothe, and to put a roof over baby girl. You are nuts. Money is a tool, and personal finance is personal. I hung up.
As a financially secure person,, your first mistake is telling people and/or appearing to be that you have money. Act like you have no money, and almost everyone will not ask you for money. And if they do, just say I don't have any to give as I lost in a bad investment
Don’t let them pay for you though. The most generous people are poor people. It’s not ok to take their money. As someone who was poor and now am not.
I wish looking poor and not telling my financial situation works for me. Living in the USA automatically makes you “rich” to the eyes of people in my country.
You should not have to hide your success because of others failures. If you want to live a certain way you should be able to
😂 that’s one way to go! 😂
True.
Amon, you’re preaching TODAY!
🙏🏾😊
And I am in the Amen Corner.😊
This is so true. Learning to say "no" and prioritizing our needs at home first. We're financially stable, but we can do a lot better than where we are. Saying no to all.
When I would get a text for some money I always tell them I just paid for another semester of college tuition and rent for said college student. When they ask me how many years my son has left I tell them that it takes seven years to become a pharmacist. That usually shuts them up for about 6 months then I get another text.
😂 😂 😂 Tuition is not cheap!!!!
@@OurRichJourney 25k a year for undergraduate, l cringe when I think about what it costs when he gets in graduate school.
Text them and asked them for help with the tuition.
Wow! 😁🤣😁🤣
Or just say no…
Needed to hear this. This has been my challenge on the road to FIRE, thank you for the information.
Thanks so much! Glad you liked the video!
When someone asks me for money I’m going to say “sure! Let’s sit down and get all the details!” I’m talking about hours and days of looking at statements, making plans, getting reports, and me constantly getting in their business at dinner time, at lunch, on vacation. It’ll be a blast.
Never loan family or friends money. Gift it. If they decide to pay you back cool but otherwise gifting it means you don’t expect it and your relationship isn’t damaged.
When friends ask for money, saying you are a millionaire, you can afford it...
If you regularly give in those situations, chances are you are not a self-made millionaire. You need the ability to say no if you want to become self made. Some people are really good at saying no. They have the ability to say no and still maintain friendships. In fact those friends have more respect for them than they would for someone who always says yes.
Why it gets tricky is when they ask, not for you to give them money but to loan them money. But ask yourself, why doesn't he go to a bank for a loan. Why is he asking you? Why? because he's got bad credit, that's why. The bank won't give him a loan.
Loaning money to someone with bad credit is a very poor financial decision.
I think that’s a great point! - the ability to say no. Some people are better at it than others! Thanks for watching!!!
I have friends who have begged me for money talking about I was "rich and single" so I could spare money. The truth was that their entire household made more than me. It's just that I managed my money so well that I could make major decisions that made me enjoy life more. But, that meant that I had to do proper money management
*Making money is an action. Keeping money is a behavior, but "Growing money is wisdom" I just saw this quote🔥*
I am teaching my niece and nephew about investing. I couldn’t be prouder of them. Only wish someone had done that for me when I was a young person. But, it is never too late. I’ve followed you for years and as you know, did your 365 which was invaluable. I also started keeping track of my spending by literally hand entering everything into a spreadsheet.once a month, I sit down and reconcile all my spending and put it into categories. Huge eye-opener.
I'm done watching the video now. Great video and I hit the like in support. I was looking for a way to say no, to those calling or who continue to call me for financial help.
It's so many times that I've asked myself, "What if they didn't have me to call?" You know what!!! I'm just about to start blocking people and not answering phone calls. Thanks Armond.
You don't have to block them....when they call...ask them before they ask you. That way you don't have to say NO😂😂
I was going to say not me, as soon as I made more money my money problems did go away- but your point about not having a plan to make more money was and still is exactly right. I’m not irresponsible or uniformed, and there are good reasons for my lack of planning, but it’s still there.
Thank you
Right like my issue is a bunch of layoffs before I can have an emergency fund! The issue that nobody talks about but I'm about to start talking about it which is probably why the Lord put me through it
I know you have a financial platform but people will always ask whenever they know or think you have money. Keep putting out great content!
Pro tip: Always consistently say "no" and they will stop asking. Miraculously, they always somehow work out their problems without my money. Interesting.
Thank you so much for laying out the anxiety that results from not having a financial plan. With a couple people in my life, I've seen the reverse, that clinical anxiety leads to difficulty looking at finances and making a plan. So they try not to think about it. And then sometimes spend money on "treats" to soothe woes, but without any kind of system. Then they have financial problems with bigger heaps of anxiety. (And one of them ends up stuck in predatory cycles of late fees.) And around and around it goes.
Thank you for this message
Happy Fourth! Thanks for sharing!🎉🎉🤗🤗
When people ask me for money, I offer it for a simple service. Normally, yard or handyman work for less than a contractor would cost. Then I recommend they do that as a side gig.
However, family members always prefer to leave the offer until the next crisis. I then offer less.
One of the main reasons I say no when people ask for money is because it will usually become a habit and what you give out will never be enough.
Love this! I've been following for a while & very into personal finance and your channel is always the first one to recommend to friends
Also-- I'm trying to see if you have a video on HSAs. Do you?
Glad you are saying this. I don’t lend money anymore.
The one thing we need is an investment plan. We have scheduled an appointment with a cross border (Canada/US) financial advisor. We’ll both have generous pensions. We have to take into account tax implications since the IRS says that I, as a US citizens, can’t invest in Passive Foreign Investment accounts without hefty penalties. So we need to see how we can make this work when we move to Canada. My husband is a Canadian citizen and I’ll feel more comfortable with our investments can be in both our names and then maybe we can have an individual account on the side. Very new for us and we hope our advisor (fiduciary) will give us a roadmap when we meet next year
Yes! It would be great if you can establish a clear roadmap! 😀
Thank you so much 🙏🏽
I'm at the 1:24 mark and before I continue, I want to state, that I'm the one that's being called, and I don't know how to say no. It's not easy for me. I have survivor's remorse.
I'm from the south side of Chicago and I'm the youngest of 3 children. My sister is great, and she holds the middle child slot. Mt brother is the oldest and well.... I'm 43 and this is where I'm at.
Why, because they believe that what's mine is also theirs. You are right. I've learned a long time ago its bad for bussiness to do bussiness with family.
💯
I have a friend who inherited about $30k when her dad died, but with no financial plan she is spending it all on furniture and door dash. I have stopped trying to tell her to make a budget. She will have to learn by going broke.
Woowee, you did that intro like you are feeling that for real! Got me engaged, hook, line and sinker. 🎉 🎉🎉
100% Facts, I’m passing this on to family and friends
TEACH! But of course when the student is READY...💝💝💝💝
Im excited to watch this
Thank you!!!
A million dollars is a lot of money, but its not much in this day and age.
How much do you have or aspire to have?
Very nice 👍🏽 sharing
I appreciate the emergency fund, but I thought that was what credit cards were for. Emergencies. I have mine with zero balances just for that.
This might be the best channel on youtube for advice, real talk, support and motivation. I will sort out my plan soon and 100% got on your fire plan. Mich respect to you guys, living the dream, i myself plan to retire in portugal with my portuguese wife. Thank you 👏🤙
People with money are the Gatekeepers of Capital. Be a good Gatekeeper, when you loan your friend money you loose your money and your friend. For a real emergency I suggest giving 25% to 50% of what they are asking for. And sometime just give them the money. So you dont loose them as a friend.
Nah bro, u hit the point on this one broda!
This also goes for kids who refuse to set their lives in the right direction. It would be best if we taught our kids to be independent.
MY MAN AMON....THANK YOU, THANK YOU, THANK YOU BROTHA!👍🏾Thank you for providing me something to make my life easier...copy, paste, send! Hopefully this video resonates with the people I'm about to send it to. I am NOT your safety net, but I will happily offer my assistance to help them to become better at managing their own lifestyle and associated costs.
I want this to happen for my family...here I go!!!!!!!!!!!!!!!!!!!
They will beg you underneath a table. You can afford it, you have more than enough, it won't hurt you, etc that is entitlement talking.
IDK if I would lend a “friend” money. When I lend money to family, I don’t expect to get it back. If I do great!
Good point/practice!
Some people are just horrible money managers. I watch how the people around me spend their money. This tells me how long we will be friends.
I have been watching you guys for years like literally years and all the investment strategies that I was doing with you guys somehow I fell off track and years later after seeing you guys again I'm like wow what if I would have been doing with my life what if I've been doing with my money.
I had a friend ask me for money. I told him no and we’re still friends.
❤❤❤ great insights and tips. I think your programme is a great gift to all of us ... teaching us all how to fish for ourselves so that we can be self-sufficient. Your contents and numerous TH-cam videos provide so much valuable content 👏 ✨️ so we need to do is to digest and take the first steps. Your success provides fuel for action and inspiration 🙌. I am grateful you share so much to impact so many lives. ❤
I appreciate that!
I can relate.
I only lend work off low amounts to friends and family. You will know then if they really need it.
This is the video I needed to see.
So happy to hear that! Thank you!!!
I will be going to portugal in august and spain.beautiful places to live. My hometown is in Spain,2hours from porto Plan on retiring there in 2 years
Being so close to Spain makes it nice to be able to go back and forth - a great vacation every now and then!!!😀
@@OurRichJourney yes!
Never loan out anything you can’t afford to lose if it is not given back because a lot of folks FRIENDS and FAMILY will end up looking at that loan as a gift or entitlement because .
Loaning to friends and/or family members is a tricky situation. If you don't want the relationship to end, just give what you can. Because, unfortunately, you won't be seeing a return.
I’m just curious Amon, how did/do you respond to that question? You didn’t say exactly. Do you tell them to watch your videos and hang up lol or do you say we don’t give out money but we will teach you how to make some?
I’m curious to know what you actually did tell that person that asked you for money.
How do you help people see that this and any financial information is for them too? Especially, without sounding like a recorder and risk of them shutting you off? This is my dilemma. I know my friends and family feel that they don't belong at the table. Thank you for your content.
Yes, exactly
Companies keep buying up all the supply. We need legislative action to limit how much of the supply can be controlled by large corporations.
I might give a friend money in a situation. Especially if they are responsible and truly bad luck happens like lose your job and get cancer. Loan, no way.
$25 a month, an 8% return, starting at zero, it takes 72 years to get to $1M. Each additional $25 a month will get you there 2-3 years earlier. Get your kids to do it, and they will be multimillionaires. Get your grandkids to do the same, and they will have 10s of millions.
It's easily doable.
As a financially secure person, I tell all my associates how I deal with money. It would bother me to not track my 💵🍞💵 on an automated spreadsheet. It's hard to hide the fact that I have 4 cars and a house.😂😂😂 My commute is 40,000 yearly
No budget, no insurance
Got to get them! ❤️
One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.
I used to be the person they called until I decided to put me first.
Hi. Happy Sunday.
Happy Sunday Danelle!❤️
Teach family how to make money. Teach me how you make money. I'm so willing to learn.
Let’s do it!
Okay I've been watching y'all for some time , and it's crazy because I've been saving as I should, I just had THREE ACCIDENTS THIS MONTH ! when I tell you I'm to the point where I just want to throw the whole car away because it's not doing and justice, the insurance doesn't seem to want to help and I'm overwhelmed !
On top of that I had to quit my job last month because I was assaulted by another employee and they allowed her to stay I felt very unsafe
Move somewhere built before 1950. It will be walkable. And the buses will work. Or you could have an electric bike or motor scooter for longer trips/groceries.
I’m 47, never owned a car. Idk how anyone affords one.
My goodness! Sorry to hear that.
Sorry but it’s too late for most! What you say should have been started a minimum of 10 years ago. It’s too late for millions. Especially the elderly.
Maybe you need to get some new friends 😅haha bad joke...love your vids...you were right all along index funds are way to go...i should've listened to you from the start. But i thought i was clever and chose individual stocks, silly me!
I thought you were going to answer the question from the perspective of the person being asked.
How do you answer that awkward question? Cause I sure as hell ain't sending them this video in response 😂
Can you spare me the golden cup of life where I do nothing and everyone else does everything for me thanks brother!
I say no
Yes, I think it makes it’s easier by saying no from the start. That way, people understand where you stand with loaning or giving away money. ❤️
@@OurRichJourney I had to explain this to my dad when jay z wouldn't loan money to a cousin I will not give you my money I will teach you how to get it in my case I tell folks about your channel and hope they listen 👂
Can I borrow like $100?
😂 😂 😂
Give ONLY what you can afford to Totally Lose. If at all 🤷🏿
Agree!
But you didn’t say how to respond to the people asking for money lol
Yes he did: show them this video!
❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤very very happy good Thanks you ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
All those hearts! You are too sweet!!!! ❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️
the title has me so weak
I make $30,000 a year as a single parent no government assistance, no child support. I own my own home . My sister's both have husbands earn $150,000 a year and have to call me to borrow money. I cut them off and told them they need to learn how to budget. Yeah I'm not the favorite sister now.
How much was your house? Any mortgage?
No! Family, friends, churches and all others do not get any money at all!
Hello
Hey Brian!!! Happy Sunday!!!😀
Happy Sunday
SMH😮