Just a clarification for anyone reading: you do NOT need a life insurance policy (unless you want one) if you are single or have no dependents. I think the "point" of a life insurance policy has been obscured in recent years by crafty salesmen. The "point" is that if you die young, and have people that depend on your income, the insurance policy steps in to keep them financially afloat until they can make it on their own again (a good policy is your yearly salary x10, meaning dependents will still "receive" your salary for 10 years. At that point, they should be able to financially support themselves again). If you're single and have no dependents, no one really "needs" your life insurance if you pass. Additionally, if you DO have life insurance, you should NOT pay for it indefinitely. Instead, take out a 10 or 20 year policy, or however long you think it will take you to build a nest egg. That way, if you die in the next 10-20 years, your dependents are covered. But realistically, after 10-20 years, you should have saved up enough retirement or savings that your family could fend without you (and without an insurance payout) in the case of an unfortunate death. At that point, it is a waste of money to keep paying for a life insurance policy when you've essentially already "insured" yourself with your nest egg. :) This stuff is confusing, so I just wanted to offer this clarification to help others make financially wise choices!
What about general consumerism? Do you feel that you waste a lot of money with everyday purchases such as coffee? What about larger items like expensive clothing and furniture?
Part 2 please. Really inspired to reassess my finances now. It’s so hard for a single person to buy their own home. Interest rates and inflation has made it so hard.
I love these money chats! I’m 29 year old and struggling financially and your budget video has helped me so much! I adore the way you love your life and the person you are. Thank you 🙏🏼
Fab Michel…I wish I had you tube in my teens and twenties to start to understand the world of finance…well done you!Im 55 and enjoy watching your young life and goals.I divorced at 50 and you are taking every piece of advise God is giving you and applying it…well done x
Sorry...may I correct you on some accounting/taxation terms? You do file tax annually, but pay quarterly installments towards any tax you will owe once you file your annual tax return. "I file an annual tax return". "I pay tax quarterly". "I make quartely tax payments".
Excellent video! I would recommend that you do a prenup in the future. Your brand is starting to really take off, and it's important you protect yourself.
This is so helpful. I am a medical student (yup - LOTS of loans) and you would be surprised how little they talk to us about finances in medical school - especially since we go from no income and lots of loans to a lot of income in a short period of time.
Thank you for making this video. Could you please make a video about the things you are happy you did? Also, if you wouldn't mind, could you include any financial decisions you are happy you made during and post divorce (going through that at the moment and would be very thankful for any advice). Thank you so much, I always enjoy your videos!
To clarify you are making quarterly estimate payments you are not filing your taxes quarterly. You need to pay about 90% of what you will owe at the end of the year. This is called “safe harbor”.
My husband always buys "new", but the previous years model. We have never had a car less than ten years, so depreciation means nothing to us. Plus, he saves enough money to pay cash. No loans. It's worth it if you can do that.
I’m nearly 40 years older than you. It’s so nice to hear a young person with life plans in the correct direction! My ex was ordered to get 250k life policy for me because he “forgot” to make me the survivor of his retirement (per court order). He is not in the best of health. His monthly premium is $1,005! Ouch.
I've been watching your videos for years and it was actually one of your videos about money that made me, FINALLY, at 40, start getting my financial life in order. Almost 3 years later I'm in such a better place and I really do owe so much of that to you so, thank you 😊
I love the W2, employee to your own business advice! I’ll look more into that because I also have an LLC & I’m not familiar with this. Honestly I love when people are open about discussing money because it’s something we all do, we all have to manage our money & it’s nice to be able to give advice & help others with what we’ve learned ❤
@@blueseptember2174 if you have your own business, you can create an LLC in your company name & it protects you from personal liability. There are some additional tax advantages to having an LLC but mostly it’s a personal protection plan. There are a lot of outside companies that you can use to create/set up your LLC and you do have to pay the initial cost, it’s approximately $500
Hahaha! You said "in my last marriage" like you've been married a few times already... Girl, I still feel for you, thank god you are so much more happy now.
It can also be used to cover any outstanding debt like your mortgage balance, car loan, medical debt and credit cards etc. If you owe money when you pass, it can be taken from your estate.
@Rachel D'Orsay that’s really cheap. We just buried my mother this pass year and the cost was with burial plot right at 20,000. I’m not saying I think by any means it will ever be 1million but with all the little add cost funerals are getting very pricey.
@@karalewis8654 exactly! My partner and I took out life insurance when we purchased- 300k each. We wanted to cover burial expenses, student loans and the mortgage. It's also nice to allow your spouse/dependants (if applicable) to pay off expenses and grieve without financial stress. Rates are better when you're younger too (under 35). There's also mortgage insurance, but a lot of the times it only covers the remaining balance of the mortgage.
My husband was younger when he died suddenly. I was so thankful we had mortgage insurance, which I am forever grateful of not owing the mortgage monthly was one less I had to worry about. It was helpful to my children to know that they could continue to live in the house and stay in the same schools and familiar neighbourhood.
I'm pretty sure a funeral will not cost $1mil.(unless you want something over-the-top!) Do you know you can pre-pay a funeral at today's prices and the price will not increase -even if you live to be 102. Life insurance is to help your family survive financially when they can no longer rely on your income - it's not really designed to be a bonus for your death. The best investment you can make in yourself is to start a 401K in your 20s. Just add a few dollars a month and you will be building crazy wealth - interest grows your investment more than you imagine!
It’s interesting that you once swore you’d never buy a brand new care, you did so anyways, and now you regret it. I’m definitely taking the tip of not buying a brand new car to heart. Thanks for all the great advice!
I love this type of video and hope you talk about your financial wins/ foresight ❤. I was curious about you sinking so much into your Cali rental house. It was so beautiful and understand wanting to own property. You will be a fabulous homeowner if/when it's the right move for you 😊
This was insightful! Thank you for sharing ❤ would love to see another video on all of your best decisions regarding money as a follow up if you decide to share ☺️
My husband and I are self employed and we are “W2” employees also. We were advised to set it up that way. One of the best decisions ever! I liked the way you explained it, short and simple. I always ramble on when trying to explain!
Hi Michael, I completely understand what you are talking about in regards to Insurance and Disability Insurance. Here is an idea that your sister, where she is an accountant, can help you with. Start and Annuity or RRSP that you can pay into each month, that they money is that just incase you need it. You can then have it attached to your Will, that if you don't use it, then at the event of your death, it is paid out to whom ever you would like. I am sure that she knows exactly what I mean. I was an accountant before I retired, and I had to figure out legally how to appropriate money, and save it for future events.
Really insightful video Michel! I'm not American so some of it didn't apply to my situation but some of it is general advice and applies to most places, like not investing in a rental you don't own - that's for the owner to absorb. I think this is important content for all ages, my mum only started learning this in her later years after many years of hard financial lessons, so I wasn't raised with smart financial strategies. This is what they should be teaching in our education systems really.
Yes! Definitely do a part 2! I’m currently taking Dave’s Financial Peace University with my church and it’s been very eye opening. I would love to know your pros and cons on FPU! 😊
As a 51 year old woman with cancer you’re so correct on the life insurance and disability insurance! I wish I had a large policy and I work for smaller company that doesn’t have LTD insurance so I wish I had my own.
I know when you were essentially renovating the old house I was cringing the whole time, mostly out of the fact that you didn't own the house and the things like custom blinds and landscaping you weren't going to be able to take with you. But there also seemed to be some trouble in paradise. I'm sorry that you lost money on the rent as well as with your divorce. At least your 20s are for mistakes and learning! Here's to hopefully less serious lessons for the second half of your 20s!
Hi Michel good morning happy Tuesday morning and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter and I'm proud of you
Great that you are already Thinking about all of these things in your twenties. I am now 40 and definitely wish I would have done things differently even up until now. but I think you are definitely on the right track and being so very smart, probably smarter than a majority of people your age.
Another thing I didn’t understand was the nomad life- essentially I know you said it saved yoy way more money than yoy would be paying for rent. But then you were renting clothing and things like that. Were you still saving more than yoy would pay in rent?
The disability insurance: in Italy we have it by default, it's already something that our country provides if someone gets sick. I am shocked that in the USA you have to do it with private corporation! Great video btw, thank you for sharing!
Love these big sister videos. I'm very lucky that I had parents and big sisters to help me along the way, but I know not everyone does. My biggest financial mistake was not shopping around for deals. Which applies across the board - lettings agents, insurances, policies, shopping, even groceries. Don't stay loyal to a brand or company, always shop around for better deals. And lastly, ask friends and family what they think of certain companies. Because everything is online, we forget to ask for in-person advice, when they can really help shape a decision based on their experience. Great, informative video!
I know this is personal and I don't at all want you to feel judged, but getting married at all in your early 20s is often a bad money decision especially for women. There is no harm is waiting a few years.
these are my favorite types of videos actually :))) insurance is such a sneaky one! Even things like pet insurance - I really wish I'd gotten pet insurance for my cat when he was a kitten. It was on my to-do list as well! Just kept getting pushed off because I thought I had time. But then he had to go to the hospital and now no insurance company will ever cover his condition since now it is pre-existing - 5k down the drain, which is a lot for me in my current situation!
Maybe you've talked about this before, but why wouldn't your ex have paid for part of the rent on the home? It feels like you took the hit for his infidelity while also moving
love the idea of this video but all of these really seem specific to the things in your life that are less common for others to encounter. idk just doesn't feel like the resource this was maybe meant to be. just lots of oddly specific examples
If you own your own business, this is very relevant info. The info on life insurance, not purchasing a new vehicle and not putting money into a rental are all relevant to many people.
It's safer to also have an LCC, it means that if something were to happen, a person can't go after your business and business earnings since it is a separate entity.
I was only an LLC and for a year have filed as SCorp. It saved me 10k in self employment tax 🥴 I pay monthly now. I think with life insurance your policy is fine. To leave some behind you just need investments that cover that. Your mistakes are pretty minima, darling! Keep it up ❤
Each i hear or meet lady and financial lost she had go through while divorced that wasnt even your fault . I am like i am not alone . Leason learn but still painful.
Life insurance is typically for those with dependents. To take care of those that are reliant on your income. Currently you have no depends. Yes, thankfully you have it since you have been diagnosed with lupus....but we can't operate in all the what ifs of life. Your life insurance purchase at this stage of your life isn't a Ramsey recommendation. ... Baby step 7 here.
Sometimes a new car is better than used. You can get a better interest rate and less maintenance if you use your car a lot. Dave Ramsey doesn’t live in the Midwest and everything is an hour away and there’s feet of snow. I never agreed with him about that.
Why wouldn’t you just stay in the house for the send set of six month you paid upfront? Why would you leave and get apartment before your house time was up?
Just a clarification for anyone reading: you do NOT need a life insurance policy (unless you want one) if you are single or have no dependents. I think the "point" of a life insurance policy has been obscured in recent years by crafty salesmen. The "point" is that if you die young, and have people that depend on your income, the insurance policy steps in to keep them financially afloat until they can make it on their own again (a good policy is your yearly salary x10, meaning dependents will still "receive" your salary for 10 years. At that point, they should be able to financially support themselves again).
If you're single and have no dependents, no one really "needs" your life insurance if you pass. Additionally, if you DO have life insurance, you should NOT pay for it indefinitely. Instead, take out a 10 or 20 year policy, or however long you think it will take you to build a nest egg. That way, if you die in the next 10-20 years, your dependents are covered. But realistically, after 10-20 years, you should have saved up enough retirement or savings that your family could fend without you (and without an insurance payout) in the case of an unfortunate death. At that point, it is a waste of money to keep paying for a life insurance policy when you've essentially already "insured" yourself with your nest egg. :)
This stuff is confusing, so I just wanted to offer this clarification to help others make financially wise choices!
What about general consumerism? Do you feel that you waste a lot of money with everyday purchases such as coffee? What about larger items like expensive clothing and furniture?
Part 2 please. Really inspired to reassess my finances now. It’s so hard for a single person to buy their own home. Interest rates and inflation has made it so hard.
I'm in my late 50's and found this so helpful! You are so far ahead of 99% of people your age. Dang, you're amazing.
I love these money chats! I’m 29 year old and struggling financially and your budget video has helped me so much! I adore the way you love your life and the person you are. Thank you 🙏🏼
Fab Michel…I wish I had you tube in my teens and twenties to start to understand the world of finance…well done you!Im 55 and enjoy watching your young life and goals.I divorced at 50 and you are taking every piece of advise God is giving you and applying it…well done x
Sorry...may I correct you on some accounting/taxation terms? You do file tax annually, but pay quarterly installments towards any tax you will owe once you file your annual tax return. "I file an annual tax return". "I pay tax quarterly". "I make quartely tax payments".
Excellent video! I would recommend that you do a prenup in the future. Your brand is starting to really take off, and it's important you protect yourself.
This is so helpful. I am a medical student (yup - LOTS of loans) and you would be surprised how little they talk to us about finances in medical school - especially since we go from no income and lots of loans to a lot of income in a short period of time.
Thank you for making this video. Could you please make a video about the things you are happy you did? Also, if you wouldn't mind, could you include any financial decisions you are happy you made during and post divorce (going through that at the moment and would be very thankful for any advice). Thank you so much, I always enjoy your videos!
I love these types of videos! Would love to see your best money decisions!
To clarify you are making quarterly estimate payments you are not filing your taxes quarterly. You need to pay about 90% of what you will owe at the end of the year. This is called “safe harbor”.
My husband always buys "new", but the previous years model. We have never had a car less than ten years, so depreciation means nothing to us. Plus, he saves enough money to pay cash. No loans. It's worth it if you can do that.
I’m nearly 40 years older than you. It’s so nice to hear a young person with life plans in the correct direction! My ex was ordered to get 250k life policy for me because he “forgot” to make me the survivor of his retirement (per court order). He is not in the best of health. His monthly premium is $1,005! Ouch.
I've been watching your videos for years and it was actually one of your videos about money that made me, FINALLY, at 40, start getting my financial life in order. Almost 3 years later I'm in such a better place and I really do owe so much of that to you so, thank you 😊
Would love a part 2! Thank you! I love money chats.
I love the W2, employee to your own business advice! I’ll look more into that because I also have an LLC & I’m not familiar with this. Honestly I love when people are open about discussing money because it’s something we all do, we all have to manage our money & it’s nice to be able to give advice & help others with what we’ve learned ❤
How does one go about getting an LLC? I'm so lost if I need one and if so how to get one.
@@blueseptember2174 if you have your own business, you can create an LLC in your company name & it protects you from personal liability. There are some additional tax advantages to having an LLC but mostly it’s a personal protection plan.
There are a lot of outside companies that you can use to create/set up your LLC and you do have to pay the initial cost, it’s approximately $500
@@jamierenae3833 thank you 😊
Yes, please! Video on your money wins/good choices!
Great video. Another thing I learned from this video is never to pick up someone's slack in a marriage.
This is actually really great advice you won’t find easily on other finance channels that have videos with this title. Great!
Hahaha! You said "in my last marriage" like you've been married a few times already... Girl, I still feel for you, thank god you are so much more happy now.
Such a good video !!! And it’s lovely to see the changes that you are going through. Would love to see a part 2 for smaller expenses as well
None of us alive right now will see a million dollar funeral….unless you are going way above & beyond. That seems so extreme.
It can also be used to cover any outstanding debt like your mortgage balance, car loan, medical debt and credit cards etc. If you owe money when you pass, it can be taken from your estate.
@Rachel D'Orsay that’s really cheap. We just buried my mother this pass year and the cost was with burial plot right at 20,000. I’m not saying I think by any means it will ever be 1million but with all the little add cost funerals are getting very pricey.
@@karalewis8654 exactly! My partner and I took out life insurance when we purchased- 300k each. We wanted to cover burial expenses, student loans and the mortgage. It's also nice to allow your spouse/dependants (if applicable) to pay off expenses and grieve without financial stress. Rates are better when you're younger too (under 35). There's also mortgage insurance, but a lot of the times it only covers the remaining balance of the mortgage.
My husband was younger when he died suddenly.
I was so thankful we had mortgage insurance, which I am forever grateful of not owing the mortgage monthly was one less I had to worry about. It was helpful to my children to know that they could continue to live in the house and stay in the same schools and familiar neighbourhood.
It's not just for the funeral expenses unfortunately! There's a lot more to take into consideration.
Definitely do part 2 🙂
Wow Michel, what a well put together video. Extremely valuable information, and may I just add, you are very eloquent and well spoken.
I'm pretty sure a funeral will not cost $1mil.(unless you want something over-the-top!) Do you know you can pre-pay a funeral at today's prices and the price will not increase -even if you live to be 102. Life insurance is to help your family survive financially when they can no longer rely on your income - it's not really designed to be a bonus for your death. The best investment you can make in yourself is to start a 401K in your 20s. Just add a few dollars a month and you will be building crazy wealth - interest grows your investment more than you imagine!
It’s interesting that you once swore you’d never buy a brand new care, you did so anyways, and now you regret it. I’m definitely taking the tip of not buying a brand new car to heart. Thanks for all the great advice!
This was truly helpful; thank you. I'd love a Part 2. What are your thoughts on prenuptial agreements?
Love being financially independent and responsible in my 1st 1/2 of my 20s
I really love when you do these kind of videos, so helpful!!
I love this type of video and hope you talk about your financial wins/ foresight ❤. I was curious about you sinking so much into your Cali rental house. It was so beautiful and understand wanting to own property. You will be a fabulous homeowner if/when it's the right move for you 😊
I personally love these videos. Also, happy belated birthday 🎉
🤍🤍 Thank you, sweet friend!!
Yes for more money talks!
This was insightful! Thank you for sharing ❤ would love to see another video on all of your best decisions regarding money as a follow up if you decide to share ☺️
I'd love to watch part 2. Thanks, for sharing your experiences. I learned a lot from it.
Would love to see a video on the good money decisions too!
My husband and I are self employed and we are “W2” employees also. We were advised to set it up that way. One of the best decisions ever! I liked the way you explained it, short and simple. I always ramble on when trying to explain!
Thank you friend!!🤍🤍
Hi Michael, I completely understand what you are talking about in regards to Insurance and Disability Insurance. Here is an idea that your sister, where she is an accountant, can help you with. Start and Annuity or RRSP that you can pay into each month, that they money is that just incase you need it. You can then have it attached to your Will, that if you don't use it, then at the event of your death, it is paid out to whom ever you would like. I am sure that she knows exactly what I mean. I was an accountant before I retired, and I had to figure out legally how to appropriate money, and save it for future events.
this is so educational and helpful as a 20 something (going into her 30s). so many things I haven't even considered! thank you for sharing Michel.
I love to see a part 2 to this. Your very knowledgeable Thanks for all this information 💜💜
Loved this and would love a part 2… Great advice! 👍
Love this video so much! I’m 29 and had no idea about disability insurance. Will definitely be looking into this.
Really insightful video Michel! I'm not American so some of it didn't apply to my situation but some of it is general advice and applies to most places, like not investing in a rental you don't own - that's for the owner to absorb. I think this is important content for all ages, my mum only started learning this in her later years after many years of hard financial lessons, so I wasn't raised with smart financial strategies. This is what they should be teaching in our education systems really.
Yes! Definitely do a part 2! I’m currently taking Dave’s Financial Peace University with my church and it’s been very eye opening. I would love to know your pros and cons on FPU! 😊
Do a Part 2 on what you did correctly because so many people would benefit as much as they did on this one.
As a 51 year old woman with cancer you’re so correct on the life insurance and disability insurance! I wish I had a large policy and I work for smaller company that doesn’t have LTD insurance so I wish I had my own.
I'd love to see a part two!
I know when you were essentially renovating the old house I was cringing the whole time, mostly out of the fact that you didn't own the house and the things like custom blinds and landscaping you weren't going to be able to take with you. But there also seemed to be some trouble in paradise. I'm sorry that you lost money on the rent as well as with your divorce. At least your 20s are for mistakes and learning! Here's to hopefully less serious lessons for the second half of your 20s!
Oh this was really interesting thank you, honesty that we really value from Michel.
would love to see the things youre glad you did!
Hi Michel good morning happy Tuesday morning and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter and I'm proud of you
Would definitely love to hear about financial steps you are glad you took!
Great that you are already Thinking about all of these things in your twenties. I am now 40 and definitely wish I would have done things differently even up until now. but I think you are definitely on the right track and being so very smart, probably smarter than a majority of people your age.
loved hearing your experiences and what you would change if you could do things differently! ❤
Another thing I didn’t understand was the nomad life- essentially I know you said it saved yoy way more money than yoy would be paying for rent. But then you were renting clothing and things like that. Were you still saving more than yoy would pay in rent?
The disability insurance: in Italy we have it by default, it's already something that our country provides if someone gets sick. I am shocked that in the USA you have to do it with private corporation! Great video btw, thank you for sharing!
Thanks for sharing Michel!!
We don’t need to be negative Nancys but let’s be realistic Rachels about life. ❤❤
I am older than you and I found this video very informative. Thank you very much for the information. And I hope you had an amazing birthday. 😊
YAY!! 🎉🎉 Thank you so much friend!! 🤍🤍
I would like the part two! 👍❤️
This was super helpful. Thank you for posting.
This was a great video! I love budgeting and smart-money content :).
would love a part 2 michel ❤ we're the same age so this is informative ❤
Love these big sister videos. I'm very lucky that I had parents and big sisters to help me along the way, but I know not everyone does. My biggest financial mistake was not shopping around for deals. Which applies across the board - lettings agents, insurances, policies, shopping, even groceries. Don't stay loyal to a brand or company, always shop around for better deals. And lastly, ask friends and family what they think of certain companies. Because everything is online, we forget to ask for in-person advice, when they can really help shape a decision based on their experience. Great, informative video!
Thank you sweet Ele!!! 🤍🤍 Great Tips!!!
I know this is personal and I don't at all want you to feel judged, but getting married at all in your early 20s is often a bad money decision especially for women. There is no harm is waiting a few years.
Loved this video so much!! learnt so much - and would deffo love to hear about the things you're happy you did financially! 😄😄
Love this video. It reminded me to go through all my insurences!
Yess video on things you’re glad you did please😊
The biggest money mistakes I made in my 20s:
1. Having no money
2.
Nooo lol 😅. Very relatable.
these are my favorite types of videos actually :))) insurance is such a sneaky one! Even things like pet insurance - I really wish I'd gotten pet insurance for my cat when he was a kitten. It was on my to-do list as well! Just kept getting pushed off because I thought I had time. But then he had to go to the hospital and now no insurance company will ever cover his condition since now it is pre-existing - 5k down the drain, which is a lot for me in my current situation!
Happy Belated Birthday 🎉 Birthday Twin! 💕
Thank you sweet friend!! Happy belated to you too 🥰🥰🎉🎉
Me too!
@@melissagrace3973 birthday twins too!
@@MichelJanse aww 🥰 💕✨💕 thank you!
Yes, another vid about your happy decisions ❤
Maybe you've talked about this before, but why wouldn't your ex have paid for part of the rent on the home? It feels like you took the hit for his infidelity while also moving
Michel, you should go on the Caleb Hammer show! He’s in Austin!
love the idea of this video but all of these really seem specific to the things in your life that are less common for others to encounter. idk just doesn't feel like the resource this was maybe meant to be. just lots of oddly specific examples
If you own your own business, this is very relevant info. The info on life insurance, not purchasing a new vehicle and not putting money into a rental are all relevant to many people.
It's safer to also have an LCC, it means that if something were to happen, a person can't go after your business and business earnings since it is a separate entity.
I was only an LLC and for a year have filed as SCorp. It saved me 10k in self employment tax 🥴 I pay monthly now. I think with life insurance your policy is fine. To leave some behind you just need investments that cover that. Your mistakes are pretty minima, darling! Keep it up ❤
Michel. I got a notice my apartment rent is $4300! I was going month to month which is already bad. But Im getting a $2000 place soon
Super helpful- thank you!!
Yay, I’m so glad!! 🥰
From another self employed optimist, taxes are always an unknown source of stress
Thank you so much for this video! I’m on a learning journey with finances this year and really appreciate hearing your experiences!
LLC's are so important for small businesses and a lot of people don't realize that.
Do you have term life insurance or whole? Also can you recommend any insurance companies
Thank you for your advice ❤ so helpful !
I’m so glad!! 🤍
This was so good and the life insurance take was amazing!
Each i hear or meet lady and financial lost she had go through while divorced that wasnt even your fault . I am like i am not alone . Leason learn but still painful.
All great advices 😊
Yes more videos like this too ❤
Thank you for sharing! Love this content
Could you make a video about why LLC might be a good move, what it is, how to get it? I'm clueless
Happy birthday 🎉
I learned first hand the cx5 isn't great for carseats, lol.
Life insurance is typically for those with dependents. To take care of those that are reliant on your income. Currently you have no depends. Yes, thankfully you have it since you have been diagnosed with lupus....but we can't operate in all the what ifs of life. Your life insurance purchase at this stage of your life isn't a Ramsey recommendation. ... Baby step 7 here.
What were the symptoms you were diagnosed. My husband seems to be having symptoms of lupus / celiac @age 25. Thanks!
My favorite TH-camr!
🥰🥰
A million dollar funeral,get real Michel😩
Sometimes a new car is better than used. You can get a better interest rate and less maintenance if you use your car a lot. Dave Ramsey doesn’t live in the Midwest and everything is an hour away and there’s feet of snow. I never agreed with him about that.
I have a very old car but I see your point about the Midwest and snow. Lots of caveats and nuances.
Why wouldn’t you just stay in the house for the send set of six month you paid upfront?
Why would you leave and get apartment before your house time was up?
I hate when I catch it right as it’s being posted!!! I can’t just wait til later, I have to wait it NOW!
HAHAHA AWE🥰🥰
Any recommendations for what you do for health insurance being that you're self-employed.