10:20 the bar label should be £3k not 1.5. I use an editor on certain content and this slipped through the review process! Sorry. financialinterest.com/index-fund-cheat-sheet/ Here is the link to the cheat sheet I have put together. Just add your email, and it will be sent to you. I will continue to update the glossary as time goes on. Please watch the Loom video on the overview page to see how to use it properly. I have had issues sending emails to outlook/hotmail so if you do not get it please check spam or try another email.
Thanks for the great video and links Damien. I think the webpage where people put in their email maybe having a few issues. Getting a ‘bad url’ error on chrome or safari.
@JayantKaul Hi mate! So I tested a load of different ways and it all looks good from my end, I have also asked other people to test and all good. Please let me know if you keep having issues and we can investigate further!
@@GullaBulla Thank you! So i have edited all but 2 of the videos on this channel myself so you can see every bit of editing i have ever done on here. If you go back to my first video, you will see it was nothing special. Good editing takes time, both to learn and to just do even when you have learnt, in fact the more you learn the longer it seems to take. So just understand if you want to edit a video to a good level it will take a while. But you can 100% create a vibe without a crazy edit, music choice, audio and sound all help a lot. I also like cutting to a beat. I use Davinci resolve to edit on but honestly he software is not important, any of the good editors will do. I enjoy editing when i have the luxury of time to pour into it but i also hate it when i have to rush... The best advice is pick a software and then start watching youtube tutorials on how to do things, It is kind of like playing an instrument it just takes ages to get good... But now i can see an edit in youtube video, Netflix or whatever and think ok i can probably work out what is being done here.
I’m a Chartered Financial Planner here in the UK and this is honestly one of the best explanations of investing for the longer-term in low-cost index solutions I’ve seen. You hit the nail on the head and your graphs are fantastic highlighting the need to ride out the volatility. I also think your spreadsheets are fantastic mate. Keep up the great work, I love these videos.
You're bang on. I'm 100% Vanguard FTSE Global All Cap Index Fund Accumulating in both my ISA and SIPP. Set it and forget it. I just wish I'd known this stuff before my late 30s. I thought investing was only for rich old men who read the Financial Times.
I rarely rarely comment on YT videos as I just watch and move on. I'm 30 years old and just started investing so I hopped on YT and typed in "learn investing" and your video popped up. With our attention spans getting shorter and shorter I was amazed at how captivating and easy to understand your video was. Your analogy about why investing in the magnificent 7 might not be the best thing for 10 years down the line same for the US S&P 500 was something I would have never thought about. At the end I thought to myself " What? 14 minutes is already up?" Could have binge watched this if it was a 3 episode 40 minute series! Amazing job on this video man! Subscribed and going to watch as much as I can
Mate, this is gold. The approach and basic nature of the advice is so accessible. This needs an outreach programme to get this type of advice into schools. This approachable financial advice for kids is so important as they move into work. They'll have it sorted wether they start work or start their own business at any age. Love it 👍
I wonder what the best opportunities to invest now are, there are opinions but a little later I find out these opinions don't matter as a totally different turn of events play out with the stocks they discussed therein...
Personally, I would say engage professional guidance. Not sure where you get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
*Marissa Lynn Babula* 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.
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.
Norman’s commitment to excellence and his collaborative approach foster a strong sense of partnership, ensuring that clients feel supported and empowered throughout their engagement. His ability to communicate complex financial concepts in a clear and relatable manner has been instrumental in building trust and fostering strong client relationships. Norman’s impact on our firm and our clients cannot be overstated, and I look forward to continuing our successful collaboration for many years to come.
Norman’s commitment to understanding the intricacies of each client’s business ensures that his advice is always relevant and impactful. His collaborative approach fosters a sense of partnership and trust, making clients feel confident in their decision-making processes. Norman’s influence extends beyond individual projects; he has played a crucial role in shaping our firm’s strategic direction and enhancing our overall capabilities. His dedication to continuous learning and improvement sets a high standard for excellence, inspiring our team to strive for the best possible outcomes in all our engagements.
I'm DCAing in Blcktken300 as well. ETH heavier DCA and ALGO. I'm taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!
Damo, your channel has honestly changed my life. Ive lived from paycheck to paycheck (zero state) my whole life. I was always finacially illiterate. One of your vids randomly popped up in my algorithm in march last year and ive been hooked ever since. I watch your vids all the time and cannot believe how much ive learnt. Most importantly, from being extreemly frugal, I have gone from a zero state lifestyle, to having genuine accountability for my finances. I cant thank you enough for the wisdom your channel has given me and the path it has put me on.
This is an incredible comment to read! Thank you so much for leaving it. I know it sounds cliché, but this is the best part of doing this TH-cam channel. The idea that I have helped people improve their lives with my videos is just amazing. Well done for taking action; most people would not have done that, so please give some credit to yourself!
@@DamienTalksMoney it's absolutly life changing mate. I was in such a rut, constantly overdrawn, addicted to purchasing and consuming. I have a reasonably good job but was unable to keep any of it due to my ignorance. Your vids have put me on such a good path and I'm grateful for that. You deserve all your success, well done.
The cheat sheet you’ve put together is immeasurably helpful, and your ethos to prevent obsession and to promote healthy balance on the perception and expectations of investing is so refreshing hear- I’m new to all this but your account make it so much more accessible, can’t thank you enough!
Been watching your videos for a year or so. Just wanted to show my appreciation, Thank you for making solid content. Watched a video recently which explained how alot of finance youtubers are selling out and giving terrible advice but you're one of the few I think who actually gives good advice. Keep up the good work.
Really appreciate this, mate! At the end of the day, I am not perfect, so I won't pretend to be but I know that behind every view is a real person trying to improve their finances, so I won't betray that trust for a quick buck. My conscious wouldn't let me sleep at night Also, I do well enough money-wise from the channel, so I just don't get why the big creators throw it all away...
@@DamienTalksMoneygood intentions turn to bad intentions when few ££ signs are thrown their way. I guess that as soon as they perceive their channel to be a cash cow and NOT one that aims to provide good, solid info then it all changes. Thankfully you haven’t gone this route and it would be all too easy to your subscribers to be able to tell if you had.
My strategy is index funds for the bulk and a tiny % for playing with in individual stocks. Whenever I see anybody on social media saying how they’ve made loads of money picking this stock then that stock blah blah…..what they never mention is the ones they lose on. Ask any of these guys for their overall portfolio growth rate and you never get an answer.
I never leave youtube comments but I just wanted to say this is probably the best video I’ve ever watched on investing. You’re bang on with everything you say and you’ve likely added vast amounts to my personal wealth over my life from the learning I took from this - thank you!!
The bit at the is what i needed to hear. I always hyper focus on things and forget about everything else around me. Not just money wise but everything. So thanks for ending the video on that.
You took the words right out of my mouth there mate. When I'm interested in anything at all, it takes up all of my attention and I have to become an absolute master in my own mind and find out every little detail so I truly understand it 😂. (I think they call it ADHD, but I won't jump on that band wagon) 🫢😂. Best of luck to you!!
Excellent video. The emphasis on long term is essential. I'd add one thing. If you are investing long term, don't look at how well you're doing each day, or week, or month. It can spook you if things are temporarily going badly. If you're investing long term, what happens week to week or month to month doesn't matter.
Cheers for this, just starting out my journey, my plan is to just completely forget about whatever I decide to part with each month and focus on living in the moment a little more, rather than keep stressing about future freedom constantly!
Hey man, just wanted to say brilliant video. Not only you made it fun for me and my dad to watch but you made it so much easier to understand. Thank you and i wish everyone who watches your video great success and prosperity! :)
I am turning 46, works for NHS, solely relying on work pension, thanks to you now I have ISA now, looking 👀 to invest in index funds to help retire comfortably. Thank you for all the links- very helpful. You have been an amazing TH-camrs who truly understands and support the community through your content. Greatly appreciated. Keep up the good work Damo. I would love to see a video explaining different asset classes available for general public to invest.
Some great words at the end about not getting fixated on your investments, I defo have fallen into this in recent months and need to chill out. Just knowing that I am consistently investing is enough, spend more time now enjoying life and knowing that future me will do okay
Heavy that you told me not to watch your video because it’s for beginners. But mate, you are art of the reason I’m more successful now. Thanks for your videos over the years.
Genuinely the best video I have ever watched on money. Clear voice, tone, editing, camera, and information so easy to grasp that you actually learn stuff efficiently with advice.Thoroughly enjoyed.
Exactly how I felt watching it. My opinion is that at the end of the day, there's no one particular way of bridging the gap between poor and rich. but starting to save early and investing in the financial markets can never go wrong. if I were to start over in 2024 with less than $50k I would still use the portfolio management play-book again
@Barbararichstone this is definitely what I am trying to do! think you could suggest any professional/advisors i can get in touch with? i'm in dire need of proper portfolio allocation
I appreciate it. After searching Kristin Amy Rose her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get.
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
Angela Lynn Schilling 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.
Thanks for doing this. I moved to the US and have been frantic about my retirement. The penny has just dropped. Just invest consistently as much as you can while still trying to live a good life. Starting early is the key! Love all the videos
Thanks man, this was very nice and easy to follow. I've got 2 questions though, can we do this from outside of the USA? 2. Considering a middle age, middle income and not so long term minded person with constant need for cash, are these still the same process? I am new to this and everything still confuses me.
I'll tell you this from experience, it's always better to use an actual market expert in situations like this where you have other factors coming into play so you don't end up losing your hard-earned funds. They know their way around the taxes and the market better. Just like you, I don't stay in the US but made my first million last year only after more than a year of losing a lot of my hard-earned funds through trial and error investing. Good luck.
@Wayne-bk1jc true that. though I stay here, I've also thought of this, especially given how my portfolio has been performing. what are the steps for getting one.. like a really good one?
You should start by looking out for those from reputable brokerages and good track records. Personally, I use Marie, Kelly Matwick. You could also look into her. Also make sure the person is registered.
Getting back into investing recently, I've just read Psychology of Money and this video resonates so hard with the lessons in that book. Great video, concise, no bs, well edited, and informative. Easiest subscribe ever.
At this time of year i like to release a few videos covering the basics as i know a lot of people are looking for that info! Hope they are still useful
Great video as usual Damien. Makes me even more confident in my index fund investments (up 18% in 2 years) - Vanguard ISA. Buy, hold long term and don’t look at them daily (or try not to anyway😂)
I’ve my investments split 40% on S&P and 40% world index with 10% in emerging and 10% on small cap. I find this keeps me a bit more engaged rather than dropping the full amount into a world fund. Also a small allocation to crypto and my wife’s isa being used for individual stocks allows for a small sort of ‘side project’ to it all. Makes it a little more fun. Each to their own and the best time to start (if you haven’t already) is today…. Thanks very much for the videos Damien.
I do something very similar - I also don't mind the overlap. 10% small cap (6% global small, 4% usa small) 90% large/mid (30% s&p500, 30% developed world, 30% global momentum) I'll probably be better off just sticking with developed world or s&p 500 and over complicating things though !
@@wingtsun1 yeah, one payment into a world broad fund - set and forget….. makes sense but I like the process of buying the individual efts each month, balancing the portfolio and reinvesting the dividends.
I'm definitely past my sell by date as regards to time in the market but thoroughly enjoying building a small pot probably for my kids and grandchildren
Damien, I’m happy to see you posting a little more often. I always love watching your videos. There’s been a few times where I’ve been waiting for a post from you, thinking it’s been a while. You do a fantastic job, entertaining and, enlightening us(don’t forget to squeeze more of those dad jokes in😂). I appreciate what you do. Thank you.
The dad jokes are coming don't you worry! I hired an editor to help me with editing some videos and that means i can make more as you can see! I hope to make a load of videos this year and please let me know if the dad jokes get too bad haha
@@DamienTalksMoney We all know dad jokes are fun. We love them. Well apart from those few that have no humour. Keep up the good work Damien. You bring a little light to guide us through our perception of financial doom and gloom.
I have just discovered your account and you give good solid advice, thank you for demystifing investing. Especially to someone, like me, who has been scared to even look into my finances for years. Better late than never!
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Annette Marie Holt 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...
Mate you are doing great! Here is the basics and I hope they help. The key is long term thinking and consistency and just not going crazy and blowing your portfolio on a meme crypto token or a shady EV company
I was actually looking at my pension on Friday, 40% of it weighted towards the UK so I know that a global tracker would be a good move but I wasn't confident enough to make a decision. This really helps and confirms I was looking at the right funds, thank you!
I don't usually comment on videos and have never watched one of yours, but I genuinely think this might be the best video I've ever watched in my life, thank you!
Hi Damian, thanks for all the great content I’m very new to finance and investing but you have helped me understand a lot over the past year or so, my question is could you possibly do some content that aims at the older investor with not as much time in front of him(say 40+) and also people who are self employed so don’t have work based pensions? Thanks again.Wayne.
Very true, people downplay advisors role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, my stagnant reserve of $325K has yielded nearly $1m after subsequent investments so far.
@@dogmom-pt5we Personally, I delegate my excesses to someone of great expertise ''Monica Amanda McClure' preferably you can look her up online, her qualifications speak for itself.
Thank you for this tip. it was easy to find your investment advisor. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
It really depends on want you want to spend it on? Is it a deposit for a house? Is for your retirement in 30years time.. is it for your retirement in 3 years time?
Beautiful editing on this one- transitions, bumpers, inserts. Just fantastic work. The message is good as well; I wanted to give a shoutout to the editing.
Dividend investing is most effective when approached with a long-term perspective. While dividends can provide immediate income, the true power lies in the compounding effect over many years. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I think the next big thing will be A.l. For enduring growth taking to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
The best option is to create your own business, if you can. You stay in control of your money and always have full transparency. You feel proud of yourself and learn how business works which you can then pass on to your kids.
You're so powerful man! I see your video with such an enthusiasm! and I'm not even into money or investing too much (I'm a very basic investor at the moment). So well well well done you! thanks for you time, your insight and your honest information! keep up the great job man!
Excellent video. Investing is a confusing space and you simplify it and throw in some humour in your down to Earth style. Your content is much appreciated. 😊
I think one thing to add is that 'time in the market' beats 'timing the market'. It's better to add amounts consistently over time regardless of the state of the market than big lump sums when you think you've timed it well.
Yep, even if you have 10k to invest today, you should probably put 2k into stocks a month for 5 months. At least you're averaging up or or down and less likely to be caught out.
@@weeeeehhhhh And what do you recommend doing with the rest of the 10k while your DCA'ing it into the market over 5 months? Just let it sit in a bank account earning sweet a FA? John3093 is right, get it in the market as soon as possible.
@@weeeeehhhhh this is just plain wrong. If you have cash earmarked for long-term investing, you're better off putting it into the market straight away. That way you see more gains if the markets go up, and it won't matter if they go down as you're holding for the long term anyway, so you will make gains later anyway.
Thank you Damien. I always appreciate your concise and entertaining videos. I'm determined to get started with investing this year! (a little fear and education to work through first).
Great video! I really do have a question. For someone with less than $10,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?
YES!!! That's exactly her name ({Kaitlan Blitzer}) so many people have recommended highly about him and am just starting with her from Brisbane Australia 🇦🇺
Damien, My 25 year old son has autism. At the risk of me being totally pessimistic, if he is never able to hold down any paid employment, does this mean that he will never be able to contribute to a pension ? Have I heard correctly that in order to contribute towards a pension, a person needs to earn more than £10,000 per year ? Do you know if I am allowed to contribute towards a pension on his behalf so that he will not be totally reliant on DLA ( Disability Living Allowance ) and any other benefits he might be entitled to when he gets to retirement age ? If I am not allowed to, do you know if it would be anywhere near as good for me to start an ISA in his name, and would any money in an ISA or a pension pot affect what DLA or other benefits he would be entitled to ? I appreciate that a question like this is not your normal field of expertise, but if you have any guidance, I would be very grateful.
Alot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across Elizabeth. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
@@NancyHamiltonNancyHadleigh This is definitely considerable! think you could suggest any CFP for me or better still can I get on the phone with your CFP? I'm in dire need of proper portfolio allocation.
I've stuck with ‘Elizabeth Colleen Nurre” for some years now, and her performance has been consistently impressive. She’s quite known in her field, look her up
@@NancyHamiltonNancyHadleigh 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.
I remember back in the 90s I was planning to invest £1000 in apple shares when they were at their lowest, nearing bankruptcy but planing on releasing an home computer (the iMac). It would have worked out at about 3000 shares then. For one reason or another I never did. Yes, I look back and think “I missed out on that one🤦🏻♂️
Ouch... We all have that 'one that got away' story! To make you feel better, here's mine. When I was about 11, I walked into a corner shop with my mate. He purchased a pack of these things called 'Pokémon cards.' I had never heard of them, but they looked cool, so I got a pack. The first card I ever pulled from a packet was a 1st edition Charizard. That card today is probably worth upwards of £200,000. It got stolen from me the next day by a kid at school who I was scared of. Now i could feel bad, but the truth is I would never have kept it anyway. I would have ruined it, lost it, or sold it for a few hundred quid at best. My point is, even if you did buy Apple shares, would you have held onto them for 30 years through all the gains, or likely sold out much earlier for a nice profit but still be thinking damn if only i had kept hold..
I did the same back then and even though I have always been an Apple user did not invest back in the day and do regret that missed chance. I do have quite a few Apple shares now and am up 50% after just a few years so plan to build and hold these long term this time. 🎉
Just come across this post. Well done Damien. While you are earning follow the money savings come second but when you are earning you are not really aware of investing more just having a bank interest rate however we tend to forget inflation which historically is higher that a bank savings rate. Boring investment is the answer and indexes are boring. Your choice of boring indexes is a real choice for you to make but the investment world splits investments into.sectors. just chose an index from the top 5 sectors and check once a year. I wish I had known this years ago.
In 2024,don't set new year financial goals without consulting a financial adviser.there expertise ensure a solid plan for success.Building wealth involves developing good habits like regular putting money away in intervals for solid investments.
I agree, based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio, that has experienced exponential growth. It is not only about having money to invest in stocks but also you need to be knowledgeable, persistent, and have strong hands to back it up.
She’s the license coach I use. Look her up on Google you will find the necessary information and also her web page to make a contact and schedule an appointment with her
10:20 the bar label should be £3k not 1.5. I use an editor on certain content and this slipped through the review process! Sorry.
financialinterest.com/index-fund-cheat-sheet/
Here is the link to the cheat sheet I have put together. Just add your email, and it will be sent to you. I will continue to update the glossary as time goes on. Please watch the Loom video on the overview page to see how to use it properly. I have had issues sending emails to outlook/hotmail so if you do not get it please check spam or try another email.
Thanks for the great video and links Damien. I think the webpage where people put in their email maybe having a few issues. Getting a ‘bad url’ error on chrome or safari.
Thanks Damo you are the man, keep up the good work!
@JayantKaul Hi mate! So I tested a load of different ways and it all looks good from my end, I have also asked other people to test and all good. Please let me know if you keep having issues and we can investigate further!
Off topic but your TH-cam videos have amazing look and editing, could you please share what tool you use and any tips how you learnt editing please ?
@@GullaBulla Thank you! So i have edited all but 2 of the videos on this channel myself so you can see every bit of editing i have ever done on here. If you go back to my first video, you will see it was nothing special. Good editing takes time, both to learn and to just do even when you have learnt, in fact the more you learn the longer it seems to take. So just understand if you want to edit a video to a good level it will take a while. But you can 100% create a vibe without a crazy edit, music choice, audio and sound all help a lot. I also like cutting to a beat.
I use Davinci resolve to edit on but honestly he software is not important, any of the good editors will do.
I enjoy editing when i have the luxury of time to pour into it but i also hate it when i have to rush...
The best advice is pick a software and then start watching youtube tutorials on how to do things, It is kind of like playing an instrument it just takes ages to get good... But now i can see an edit in youtube video, Netflix or whatever and think ok i can probably work out what is being done here.
I’m a Chartered Financial Planner here in the UK and this is honestly one of the best explanations of investing for the longer-term in low-cost index solutions I’ve seen. You hit the nail on the head and your graphs are fantastic highlighting the need to ride out the volatility. I also think your spreadsheets are fantastic mate. Keep up the great work, I love these videos.
Hi Max! Lovely way to start my weekend this, for you to give my content the thumbs up as a licensed professional means the world. Thank you!
what about people who invested 10k in 2007 into nvidia having 6 numbers now ?
If they didn't sell in 2018 that is@@mikedecem
@@mikedecem What about them?
Progress is progress, regardless if it is slow or consistent. Either ways one still goes up, credits to Lunvo
Lunvo has quite been very helpful in the system. I recommend him anyday
There is no need to rush life, in the end what will be will be. Just be hardworking, steadfast and always seek for guidance
How can I communicate with him for advice
Search his full name
Jason Lunvo Rodriguez
You're bang on. I'm 100% Vanguard FTSE Global All Cap Index Fund Accumulating in both my ISA and SIPP. Set it and forget it. I just wish I'd known this stuff before my late 30s. I thought investing was only for rich old men who read the Financial Times.
I rarely rarely comment on YT videos as I just watch and move on. I'm 30 years old and just started investing so I hopped on YT and typed in "learn investing" and your video popped up. With our attention spans getting shorter and shorter I was amazed at how captivating and easy to understand your video was. Your analogy about why investing in the magnificent 7 might not be the best thing for 10 years down the line same for the US S&P 500 was something I would have never thought about. At the end I thought to myself " What? 14 minutes is already up?" Could have binge watched this if it was a 3 episode 40 minute series! Amazing job on this video man! Subscribed and going to watch as much as I can
Love this feedback thank you so much!
Mate, this is gold. The approach and basic nature of the advice is so accessible.
This needs an outreach programme to get this type of advice into schools. This approachable financial advice for kids is so important as they move into work. They'll have it sorted wether they start work or start their own business at any age. Love it 👍
Thank you for this lovely feedback! I would love to help schools
I wonder what the best opportunities to invest now are, there are opinions but a little later I find out these opinions don't matter as a totally different turn of events play out with the stocks they discussed therein...
There are a lot of ways to achieve your goals but such strategies can only be carried out by market experts not a random TH-camr.
Personally, I would say engage professional guidance. Not sure where you get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
That's impressive! I could really use the expertise of this advsors.
*Marissa Lynn Babula* 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.
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.
Norman’s commitment to excellence and his collaborative approach foster a strong sense of partnership, ensuring that clients feel supported and empowered throughout their engagement. His ability to communicate complex financial concepts in a clear and relatable manner has been instrumental in building trust and fostering strong client relationships. Norman’s impact on our firm and our clients cannot be overstated, and I look forward to continuing our successful collaboration for many years to come.
Norman’s commitment to understanding the intricacies of each client’s business ensures that his advice is always relevant and impactful. His collaborative approach fosters a sense of partnership and trust, making clients feel confident in their decision-making processes. Norman’s influence extends beyond individual projects; he has played a crucial role in shaping our firm’s strategic direction and enhancing our overall capabilities. His dedication to continuous learning and improvement sets a high standard for excellence, inspiring our team to strive for the best possible outcomes in all our engagements.
I'm DCAing in Blcktken300 as well. ETH heavier DCA and ALGO. I'm taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!
Damo, your channel has honestly changed my life. Ive lived from paycheck to paycheck (zero state) my whole life. I was always finacially illiterate. One of your vids randomly popped up in my algorithm in march last year and ive been hooked ever since. I watch your vids all the time and cannot believe how much ive learnt. Most importantly, from being extreemly frugal, I have gone from a zero state lifestyle, to having genuine accountability for my finances. I cant thank you enough for the wisdom your channel has given me and the path it has put me on.
This is an incredible comment to read! Thank you so much for leaving it. I know it sounds cliché, but this is the best part of doing this TH-cam channel. The idea that I have helped people improve their lives with my videos is just amazing. Well done for taking action; most people would not have done that, so please give some credit to yourself!
@@DamienTalksMoney it's absolutly life changing mate. I was in such a rut, constantly overdrawn, addicted to purchasing and consuming. I have a reasonably good job but was unable to keep any of it due to my ignorance. Your vids have put me on such a good path and I'm grateful for that. You deserve all your success, well done.
This is the greatest beginner video that everyone should see "Investment should be boring" everyone needs to hear this
Sneaky sneaky making a 2024 video 2025
The cheat sheet you’ve put together is immeasurably helpful, and your ethos to prevent obsession and to promote healthy balance on the perception and expectations of investing is so refreshing hear- I’m new to all this but your account make it so much more accessible, can’t thank you enough!
Been watching your videos for a year or so. Just wanted to show my appreciation, Thank you for making solid content. Watched a video recently which explained how alot of finance youtubers are selling out and giving terrible advice but you're one of the few I think who actually gives good advice. Keep up the good work.
Really appreciate this, mate! At the end of the day, I am not perfect, so I won't pretend to be but I know that behind every view is a real person trying to improve their finances, so I won't betray that trust for a quick buck. My conscious wouldn't let me sleep at night
Also, I do well enough money-wise from the channel, so I just don't get why the big creators throw it all away...
@@DamienTalksMoneygood intentions turn to bad intentions when few ££ signs are thrown their way. I guess that as soon as they perceive their channel to be a cash cow and NOT one that aims to provide good, solid info then it all changes.
Thankfully you haven’t gone this route and it would be all too easy to your subscribers to be able to tell if you had.
My strategy is index funds for the bulk and a tiny % for playing with in individual stocks.
Whenever I see anybody on social media saying how they’ve made loads of money picking this stock then that stock blah blah…..what they never mention is the ones they lose on. Ask any of these guys for their overall portfolio growth rate and you never get an answer.
I never leave youtube comments but I just wanted to say this is probably the best video I’ve ever watched on investing. You’re bang on with everything you say and you’ve likely added vast amounts to my personal wealth over my life from the learning I took from this - thank you!!
Thank you so much for taking the time to comment. Love that you enjoyed the video
The bit at the is what i needed to hear. I always hyper focus on things and forget about everything else around me. Not just money wise but everything. So thanks for ending the video on that.
You took the words right out of my mouth there mate. When I'm interested in anything at all, it takes up all of my attention and I have to become an absolute master in my own mind and find out every little detail so I truly understand it 😂. (I think they call it ADHD, but I won't jump on that band wagon) 🫢😂. Best of luck to you!!
You have a clear style of explaining things, thank you
Excellent video. The emphasis on long term is essential.
I'd add one thing. If you are investing long term, don't look at how well you're doing each day, or week, or month. It can spook you if things are temporarily going badly.
If you're investing long term, what happens week to week or month to month doesn't matter.
Cheers for this, just starting out my journey, my plan is to just completely forget about whatever I decide to part with each month and focus on living in the moment a little more, rather than keep stressing about future freedom constantly!
Amazing video. No minute wasted. Full of great great advice especially about the mentality of "I'll be happy when I get there" that so many fall into.
Destination anxiety is what they call it
Hey man, just wanted to say brilliant video. Not only you made it fun for me and my dad to watch but you made it so much easier to understand. Thank you and i wish everyone who watches your video great success and prosperity! :)
Love that you watched this with your dad I hope it helped you both!
I am turning 46, works for NHS, solely relying on work pension, thanks to you now I have ISA now, looking 👀 to invest in index funds to help retire comfortably.
Thank you for all the links- very helpful.
You have been an amazing TH-camrs who truly understands and support the community through your content.
Greatly appreciated.
Keep up the good work Damo.
I would love to see a video explaining different asset classes available for general public to invest.
Some great words at the end about not getting fixated on your investments, I defo have fallen into this in recent months and need to chill out. Just knowing that I am consistently investing is enough, spend more time now enjoying life and knowing that future me will do okay
Excellent video, especially the last few minutes which put things in a real perspective.
Heavy that you told me not to watch your video because it’s for beginners. But mate, you are art of the reason I’m more successful now. Thanks for your videos over the years.
Genuinely the best video I have ever watched on money. Clear voice, tone, editing, camera, and information so easy to grasp that you actually learn stuff efficiently with advice.Thoroughly enjoyed.
Exactly how I felt watching it. My opinion is that at the end of the day, there's no one particular way of bridging the gap between poor and rich. but starting to save early and investing in the financial markets can never go wrong. if I were to start over in 2024 with less than $50k I would still use the portfolio management play-book again
@Barbararichstone this is definitely what I am trying to do! think you could suggest any professional/advisors i can get in touch with? i'm in dire need of proper portfolio allocation
I appreciate it. After searching Kristin Amy Rose her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get.
One of the best videos I watched. Real & on point. Every second meaningful. Thank you!
Thank you
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
Angela Lynn Schilling 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.
Thanks for doing this. I moved to the US and have been frantic about my retirement. The penny has just dropped.
Just invest consistently as much as you can while still trying to live a good life. Starting early is the key! Love all the videos
You get my sub because this video was so very informative and i liked all the graphs and pie charts you used. Great video Damien!! 👍🏾
Thank you!
One of the best material on youtube. Thanks mate!
Thanks man, this was very nice and easy to follow. I've got 2 questions though, can we do this from outside of the USA? 2. Considering a middle age, middle income and not so long term minded person with constant need for cash, are these still the same process? I am new to this and everything still confuses me.
I'll tell you this from experience, it's always better to use an actual market expert in situations like this where you have other factors coming into play so you don't end up losing your hard-earned funds. They know their way around the taxes and the market better. Just like you, I don't stay in the US but made my first million last year only after more than a year of losing a lot of my hard-earned funds through trial and error investing. Good luck.
@Wayne-bk1jc true that. though I stay here, I've also thought of this, especially given how my portfolio has been performing. what are the steps for getting one.. like a really good one?
@Wayne-bk1jc true that. what are the steps for getting one.. like a really good one?
You should start by looking out for those from reputable brokerages and good track records. Personally, I use Marie, Kelly Matwick. You could also look into her. Also make sure the person is registered.
Me too, I'm new and wonder how people actually make money from this
Thank you for 2 years of excellent service you gave us.
Be proud of yourself. 😄
Getting back into investing recently, I've just read Psychology of Money and this video resonates so hard with the lessons in that book. Great video, concise, no bs, well edited, and informative. Easiest subscribe ever.
Hello. Are you still investing?
Great video! Hooked from start to finish. Well done & thanks
Thank you for watching
You really are treating us with your wisdom recently Carol
At this time of year i like to release a few videos covering the basics as i know a lot of people are looking for that info! Hope they are still useful
Appreciate it mate 👍
Great Carol service 👌🏻
The fuck is Carol
@@flemflogan4650 It is a long story
Didnt expect to hear '5 day bro split' in this but im here for it
Great video as usual Damien. Makes me even more confident in my index fund investments (up 18% in 2 years) - Vanguard ISA. Buy, hold long term and don’t look at them daily (or try not to anyway😂)
That is a lovely return!
You absolutely nailed how the average person approaches investing !
I’ve my investments split 40% on S&P and 40% world index with 10% in emerging and 10% on small cap. I find this keeps me a bit more engaged rather than dropping the full amount into a world fund. Also a small allocation to crypto and my wife’s isa being used for individual stocks allows for a small sort of ‘side project’ to it all. Makes it a little more fun.
Each to their own and the best time to start (if you haven’t already) is today….
Thanks very much for the videos Damien.
The world index is already 60% American, so you’re investing primarily on the American markets. Not necessarily bad, but just be aware of it.
@@u3vs62cja yeah and thanks very much mate. I’m aware and happy with the spread. More than happy to have a majority weight to US equities.
I do something very similar - I also don't mind the overlap.
10% small cap (6% global small, 4% usa small)
90% large/mid (30% s&p500, 30% developed world, 30% global momentum)
I'll probably be better off just sticking with developed world or s&p 500 and over complicating things though !
@@wingtsun1 yeah, one payment into a world broad fund - set and forget….. makes sense but I like the process of buying the individual efts each month, balancing the portfolio and reinvesting the dividends.
What is the world index? Can you find that on trading 212?
Thank you for this! Age 60, trying to get my head round all this now that I finally have some money to invest.
I'm definitely past my sell by date as regards to time in the market but thoroughly enjoying building a small pot probably for my kids and grandchildren
Same here. Have a small pension I started when I was 30, but now dipping into isas, bonds and investments
Thanks Damien. I love how you explain things with great understandable visuals and a warm approach. Somehow you bring empathy and heart to finance.
Ein Genuss, deinen Erklärungen zuzuhören
Damien, I’m happy to see you posting a little more often. I always love watching your videos. There’s been a few times where I’ve been waiting for a post from you, thinking it’s been a while. You do a fantastic job, entertaining and, enlightening us(don’t forget to squeeze more of those dad jokes in😂). I appreciate what you do. Thank you.
The dad jokes are coming don't you worry! I hired an editor to help me with editing some videos and that means i can make more as you can see! I hope to make a load of videos this year and please let me know if the dad jokes get too bad haha
@@DamienTalksMoney We all know dad jokes are fun. We love them. Well apart from those few that have no humour.
Keep up the good work Damien. You bring a little light to guide us through our perception of financial doom and gloom.
I have just discovered your account and you give good solid advice, thank you for demystifing investing. Especially to someone, like me, who has been scared to even look into my finances for years. Better late than never!
You are very welcome!
You might find this video reassuring
th-cam.com/video/xDYUAQTqxK4/w-d-xo.htmlsi=Nc1e0-d1UoC3BNBf
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Annette Marie Holt 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...
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.
You’re the best investment youtuber ! Break it down so simply
Thank you 🙏🏻
Thanks for this video Damien, literally starting investing properly this year after finally getting onto the property ladder in the autumn 👍🏻
Mate you are doing great! Here is the basics and I hope they help. The key is long term thinking and consistency and just not going crazy and blowing your portfolio on a meme crypto token or a shady EV company
Damien your information is so transparent and entertaining, dont sell out like the bigger boys! glad you are doing and looking well.
Thank you! I will never sell out
I was actually looking at my pension on Friday, 40% of it weighted towards the UK so I know that a global tracker would be a good move but I wasn't confident enough to make a decision. This really helps and confirms I was looking at the right funds, thank you!
My pleasure! Thank you for commenting to let me know it was useful
Yes. Overtime the influence shifts but you are trying to time when that shift takes place.
Took your advice on understanding all the jargon and haven't looked back. Thank you for making investing easier to understand.
Very sound advice. Thanks for the links too!
What should I do with 3€ on Revolut?
Buy a coffee and enjoy it?
I never comment on YT, but this is the easiest investing video I've ever seen. Thanks man
I don't usually comment on videos and have never watched one of yours, but I genuinely think this might be the best video I've ever watched in my life, thank you!
This is one of, if not the best video I have seen that beginners should watch.
Hi Damian, thanks for all the great content I’m very new to finance and investing but you have helped me understand a lot over the past year or so, my question is could you possibly do some content that aims at the older investor with not as much time in front of him(say 40+) and also people who are self employed so don’t have work based pensions? Thanks again.Wayne.
Hi Wayne, yes i can look at that for you certainly and i will add it to my content list.
Damo
Great shout trav 👏🏻
Merci Damien, I like how you tone the presentation and feel really involved in the message !
Videos keep getting better Damien! Love the new edits, hope you had a good weekend
You are so kind thank you for very much!
Awesome stuff. Thank you for sharing your knowledge.
Great video! I really do have a question. For someone with less than $40K to invest, how would you recommend we enter the stock market?
Very true, people downplay advisors role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, my stagnant reserve of $325K has yielded nearly $1m after subsequent investments so far.
@@roberttaylor662 That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
@@dogmom-pt5we
Personally, I delegate my excesses to someone of great expertise ''Monica Amanda McClure' preferably you can look her up online, her qualifications speak for itself.
Thank you for this tip. it was easy to find your investment advisor. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
It really depends on want you want to spend it on? Is it a deposit for a house? Is for your retirement in 30years time.. is it for your retirement in 3 years time?
Still the best investment TH-camr out there is Damien
You hero thank you 🙏🏻
Brilliant explanation that’s genuinely empowering. Thankyou.
Beautiful editing on this one- transitions, bumpers, inserts. Just fantastic work. The message is good as well; I wanted to give a shoutout to the editing.
Nice!!! Clear and very well structured video!
The best entry level investment video everyone should watch in the UK!
Dividend investing is most effective when approached with a long-term perspective. While dividends can provide immediate income, the true power lies in the compounding effect over many years. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I think the next big thing will be A.l. For enduring growth taking to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
The best option is to create your own business, if you can. You stay in control of your money and always have full transparency. You feel proud of yourself and learn how business works which you can then pass on to your kids.
You're so powerful man! I see your video with such an enthusiasm! and I'm not even into money or investing too much (I'm a very basic investor at the moment).
So well well well done you! thanks for you time, your insight and your honest information! keep up the great job man!
Thank you mate! Keep going with your investing you will do great long term and i will be here to help anyway i can.
You're a diamond! Love your presentations.
Excellent video. Investing is a confusing space and you simplify it and throw in some humour in your down to Earth style. Your content is much appreciated. 😊
Finally someone sad this: investing is not going to make you rich. Thanks for that. Its the best advice!
Outstanding Commentary!!!! Priceless!!!! Thank You!!!
Excellent. Making sense of money and life.
I think one thing to add is that 'time in the market' beats 'timing the market'. It's better to add amounts consistently over time regardless of the state of the market than big lump sums when you think you've timed it well.
Yep, even if you have 10k to invest today, you should probably put 2k into stocks a month for 5 months. At least you're averaging up or or down and less likely to be caught out.
Lump sum ( at any time ) has been proven to be the best thing to do if you've a good few years ahead. Psychology of drip feeding keeps you sane.
@@weeeeehhhhh And what do you recommend doing with the rest of the 10k while your DCA'ing it into the market over 5 months? Just let it sit in a bank account earning sweet a FA? John3093 is right, get it in the market as soon as possible.
Add something that's WRONG? Already proven that a lump sum early on is far better than dripfeeding. DYOR.
@@weeeeehhhhh this is just plain wrong. If you have cash earmarked for long-term investing, you're better off putting it into the market straight away. That way you see more gains if the markets go up, and it won't matter if they go down as you're holding for the long term anyway, so you will make gains later anyway.
Thank you Damien. I always appreciate your concise and entertaining videos. I'm determined to get started with investing this year! (a little fear and education to work through first).
This time in 30 yearrs we'll be millionaires Rodney
Great content as always, heres to 2024
A great explanation of the different types of funds
Great video! I really do have a question.
For someone with less than $10,000 to invest, how would you recommend we enter the crypto market?
I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally.
What’s your take on this approach?
I'm new at this, please how can I reach her?
YES!!! That's exactly her name ({Kaitlan Blitzer})
so many people have recommended highly about him and am just starting with her from Brisbane Australia 🇦🇺
Brilliant….thank you for simplifying it.
Wonderful advice. You're awesome. Thank you. 😊
You are so welcome!
This is by far the best video i have ever watched on a introduction to investing.
Thank you so much!
As they say, time IN the market is better than trying to time the market. I wish I had 40 years left to invest.
Subscribed on this video alone. Nicely explained.
Bloody brilliant video. Thanks Damien
Honestly best and the most realistic financial channel I have ever come across on TH-cam… 0 bullshit, straight facts and sources
Always heartfelt advice Damien, thank you for what you do
Man you are brilliant explaining head to tail for anyone who is new to this journey
Thank you so much
Damien, My 25 year old son has autism. At the risk of me being totally pessimistic, if he is never able to hold down any paid employment, does this mean that he will never be able to contribute to a pension ?
Have I heard correctly that in order to contribute towards a pension, a person needs to earn more than £10,000 per year ?
Do you know if I am allowed to contribute towards a pension on his behalf so that he will not be totally reliant on DLA ( Disability Living Allowance ) and any other benefits he might be entitled to when he gets to retirement age ?
If I am not allowed to, do you know if it would be anywhere near as good for me to start an ISA in his name, and would any money in an ISA or a pension pot affect what DLA or other benefits he would be entitled to ?
I appreciate that a question like this is not your normal field of expertise, but if you have any guidance, I would be very grateful.
Alot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across Elizabeth. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
@@NancyHamiltonNancyHadleigh This is definitely considerable! think you could suggest any CFP for me or better still can I get on the phone with your CFP? I'm in dire need of proper portfolio allocation.
I've stuck with ‘Elizabeth Colleen Nurre” for some years now, and her performance has been consistently impressive. She’s quite known in her field, look her up
@@NancyHamiltonNancyHadleigh 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.
Thanks Mate. Deep insights ❤
What is the best strategy to enter crypto trading now for someone with more or less than $7,000
Having a ProTrader to keep you accountable is crucial. I'm under the guidance of Jared Brian Watkins
Jared demonstrates a remarkable aptitude for seizing opportunities presented by economic changes. I trust his skills
How can I consult him
face-----book
Thought provoking as ever Damo. Good video - come to expect nothing less!
I remember back in the 90s I was planning to invest £1000 in apple shares when they were at their lowest, nearing bankruptcy but planing on releasing an home computer (the iMac). It would have worked out at about 3000 shares then. For one reason or another I never did. Yes, I look back and think “I missed out on that one🤦🏻♂️
Ouch... We all have that 'one that got away' story! To make you feel better, here's mine. When I was about 11, I walked into a corner shop with my mate. He purchased a pack of these things called 'Pokémon cards.' I had never heard of them, but they looked cool, so I got a pack. The first card I ever pulled from a packet was a 1st edition Charizard. That card today is probably worth upwards of £200,000. It got stolen from me the next day by a kid at school who I was scared of.
Now i could feel bad, but the truth is I would never have kept it anyway. I would have ruined it, lost it, or sold it for a few hundred quid at best. My point is, even if you did buy Apple shares, would you have held onto them for 30 years through all the gains, or likely sold out much earlier for a nice profit but still be thinking damn if only i had kept hold..
Yes, so true. If it had. Once they hit a few thousand I would have sold. Hindsight is a wonderful thing to look back on but, reality is another thing.
I did the same back then and even though I have always been an Apple user did not invest back in the day and do regret that missed chance. I do have quite a few Apple shares now and am up 50% after just a few years so plan to build and hold these long term this time. 🎉
@@DamienTalksMoneythis is a mind changing perspective. Wow
Swaping them into a growing company like Tesla would be a good idea
I like the “investing should be boring” approach. I chose the Fidelity MSCI World Index Fund to park my money. Now on to live life.
First time checking you out, very educational and you did bring a bit of excitement to trading 😂
2024 is my year 🥳
Just come across this post. Well done Damien. While you are earning follow the money savings come second but when you are earning you are not really aware of investing more just having a bank interest rate however we tend to forget inflation which historically is higher that a bank savings rate. Boring investment is the answer and indexes are boring. Your choice of boring indexes is a real choice for you to make but the investment world splits investments into.sectors. just chose an index from the top 5 sectors and check once a year. I wish I had known this years ago.
In 2024,don't set new year financial goals without consulting a financial adviser.there expertise ensure a solid plan for success.Building wealth involves developing good habits like regular putting money away in intervals for solid investments.
I agree, based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio, that has experienced exponential growth. It is not only about having money to invest in stocks but also you need to be knowledgeable, persistent, and have strong hands to back it up.
@@GraceFrancis-ob6gsMarie Ann Treloar
She’s the license coach I use. Look her up on Google you will find the necessary information and also her web page to make a contact and schedule an appointment with her
@@GraceFrancis-ob6gs I'm not at all impressed, it's a SCAM
report these comments y'all
I love it, Damien! This is exactly what I need to hear today. You have another subscriber in me!