I started back in 2020 with nothing. 100K took about 2 years. Currently at $162K. I didn't increase my income, just drastically reduced my expenses. Gazelle intense!
We’re at baby steps 6 and 7. We are paying extra in principal and saving aggressively but because of inflation, it is getting harder keeping the same budget monthly. We need to increase our income in order to adjust the budget.
If it's in a 401k or Roth IRA, consider a target date retirement fund. Just make sure it has "index" in the name so you know you get low fees. It's a great starting point in tax-advantaged accounts.
My wife just resigned from her job, but during the time she was working we were able to attack our mortgage with intensity freeing up pmi charges. It was a huge milestone for us, now that her income is off the table we have to re adjust the monthly budget, the 4 walls are no problem we just dont have that extra margin to reach all our desired goals at the time we had initially intended, which is fine. At this point we're content with the accomplishments we've made so far. She has the flexibility to be available for the children and this is one of the struggles we had going on while she worked. Everyone has different challenges, with different levels of difficulty, but all I can say is to stay committed, be content, set your goals, and keep pushing forward until those goals are met!
Y’all!! This really works! In 2019 we were all in with these baby steps. We decided to downsize to less than 1000 sqft, which allowed us to have no mortgage. For 6 months we lived in 240 sqft (2 adults and 4 kids). It was the funnest adventure ever. You have to make it fun to really make it work. Before the downsize we sold off everything that wouldn’t fit. Now we are working on saving up more money and hopefully being able to use that to start a farm. I’d love to see $100k in my bank account!
Would like to start seeing/hearing more information for those who make below the "average" income but would like to still build wealth (but also have a family and cannot just go out and get a second job or have family that helps them out). I feel like this is a common place to be in and a lot of people feel stuck. We are on baby step 4 and it has been so hard to grow past that.
It’s ok to not build wealth in this season. You’re prioritizing your family. One day you will be able to work more and blast through the last steps. What you won’t be able to do is get the time back with your kids. Sometimes we have to embrace the season we’re in.
We are/were in the same boat. I found setting up extra bank accounts for goals was helpful. As long. As they are free to use and have no minimums etc. we put $20 here, or there into each fund. And we aren’t allowed to touch it. It starts to add up. Then I’ll transfer it to a big savings and start again. Or maybe things like tires. We have a fund for all car stuff. So when an expense pops up it forms hurt our monthly budget. It comes from the $20 I set aside every month. I even have one I put $8.50 in. It sounds silly but when kids need clothes I’ve got a little set aside.
Honestly I was a SAHM for 7 years and it really affected our family financially. My advice is to not worry. Get thru the baby/elementary years then get aggressive when the kids are older and more independent.
All of this takes YEARS & YEARS on the average US salary. Been following Dave Ramsey for over a decade and still working towards $100k in savings. I don’t count my home equity, it’s not available & if I sell or use it just have to start over but now without a place to live.
For a long time I have felt like the baby steps are mostly great but the media they put out seems to be geared for those with a higher income. Singles, lower incomes etc are left in the dust.
This is 100% something that will take a loooooong time to reach. I am not in America but some of these steps can be applied here. I am busy paying of my student loan now. As soon as that is gone I can start investing more. My retirement account is already done before I even see my salary.
I love all Ramsey videos no matter who puts them out don’t get me wrong, but I wonder how many times I’ve clicked on various videos thinking, “Here’s some new information or even fun different information,” only to be told about the baby steps again for 10 minutes. I understand the fact that they work, but it’s just restated over and over again in all of these videos and in a way clickbaited at this point!
Honestly! I clicked on this video excited to see what Rach was gonna say just for her to go through the Baby Steps which I already know inside out and can recite in my sleep 🙄. Boring! Major clickbait 😭
This is assuming you know where your money is coming from. When you and your spouse are both self-employed and never know when the next paycheck is coming. We have no debt and have a 1 year emergency fund, rent and no investments…however it is an income issue not a spending issue. 60 and 66 yrs…trying to start a new career is a challenge as well.
I'm on baby step 3 , my goal is to save 6-12 months of living expenses then i start baby step 4 for myself & 5 for my 10 year old daughter who's still in primary school now and will finish school in about 9yrs from now.
Please include medical expenses in the "four walls". Most people have to pay out-of-pocket for eye exams, glasses/contact lenses, dental care, medications, etc...that are not optional, nor are they covered by insurance. In many cases, these costs are fixed and there's no way to cut back either.
I am so grateful that I found your family's principles. I still have the house payment, which I am currently making double payments and I should have the house paid off in six years, but only the house debt left. The peace of mind is what is most important. Changing my mindset from spend to save has been life changing. And, the best part of being saved is my walk with Christ. To those that are able to read these words. I hope/pray for your health, happiness and the longest life possible! May God bless you!
the $100K concept came from charlie munger, buffet's right hand man, the idea is that the first $100K is the most difficult to achieve but after that, due to compound interest and dividends, the rest is alot easier
To be fair, your first $100k isn't all gonna be liquid and on hand. Most of it is gonna be locked up in retirement accounts and investments. You'll technically only have about a quarter of that amount readily available.
There is no secret formula. It’s about being discipline and priorities. I down graded my car. I used that money to pay off credit card debt of 20K in two years.
It's the first time I understand it this way. Now it's another way to look at it. So I just have to pay up for my house. That's it. It's like a complete package. A combo. Nice!
It’s just the baby steps. I thought you were gonna give me like how you got your first hundred thousand saved and how you and Winston, like cut certain things out of your life
I finished baby step 3 and had about $90k but decided to payoff my mortgage. I fell back to $65k and for some reason having an impossible time getting back to near 100k. I'm at $75k now. Also wondering if I should just let it go as a goal as its taking so long and concentrate on saving for retirement.
Hi Rachel, on baby step 5 for college fund, how much usually is the percentage to save for it? Is that included on the 15% baby step 4? Thanks in advance
How do you put all funds into lowedt 1 debt first...then stil have funds for all other debt bills that are still due each month. I don't follow or understand how it works?
You make minimum payments on all other debts and put all extra money towards the smallest debt until it is paid off. Then do the same with the next smallest debt and so on until all debt is paid.
I too started investing in 2020 but obviously don't have the amount to spare, to save and invest, that you have !! Didn't help that I had to pay an unavoidable emergency expence of £6000.
but you could lose out on compounding at 7-9% in the retirement plan. Big Balances take time to build or pay off, that's why we work them at the same time.
After I got upto 300K trading with Mrs Anne Jones. I bought a new House and I'm now able to send my kids to a better school in the states thanks to mrs Anne. When someone is straight forward with what he or she is doing people will always speak up for them.
What would be the number in countries where the average salary is 10 000 USD per year? How many years of expenses would it be? If someone makes 10 000 USD per year, even if they didn't spend anything, it would take 10 years to save. And from the 10 000 USD people need 8 000 USD just for housing and groceries. Would saving 10 000 for someone who makes 10 000 be equal to 100k for someone who makes 100k?
Step 3, after you pay off debt is to save up enough money to cover three to six months of expenses. Next, step four is to start investing 15% of your gross earnings for retirement.
@@melissahood2960 Thank you. I already did those steps. I am familiar with baby steps and I am on step 6. I assume 100K is not 3-6 months of expenses even in US.
10K Per Year spend 5K and the Rest In Dividend (A bit more Income and still you Invest) and Growth Stocks (more Interest but it keeps inside for you to sell) In 10 Years you are 50% Compound could make it 70% then You for Sure have 100K in 12 Years.. If you can do 100K you can do another 50K but with 2500K Per Year Invested
Rachel, I know it’s an example. But if you spend 100% of your take-home-pay, you’re not going to be able to save any money. Let alone 6 months of one’s monthly spending. It probably makes more sense to have an example where someone spends half or 2/3rds of their take-home-pay rather than 100%.
From what I understand then you can be saving towards the purchase of one if that is your hearts desire. Dave is big on paying cash for the home. 🤷🏾♀️
@@ericahenry2900 i definitely want to do so but it's not in my 5year plan. Coz my 2year plan is to save 6-12months worth of living expenses, then 2yrs for a car coz i want to get a good second hand in cash and 1 year to pay off the remaining $800 debt that i owe my mom. So i guess only after 5yrs will i maybe change my mind and start saving up for a house and aggressively save up for my retirement.
@@ericahenry2900no...He suggests having a 3 to 6 month emergency fund, ideally 10 to 20% down payment for the house and have the mortgage be no more than 25% of your income
Me too Veronica. I love Excel and prefer to use it over the app. I did use the app for 3 months, but my brain likes to see everything listed in a different way. I have all my income and expenses in my spreadsheet, with my formulas set up. And it calculates according to my pay/income schedule as well. Works better for me.
This is a great video, I learn a lot watching your videos and it has been helpful to me. Building a steady income is quite difficult for newbies.. Thanks to Mrs. Bonnie Antelo for improving my portfolio. keep up with the good videos.
Ok..how come he rich? He was broke once and he took the initiative and passed down that knowledge to his daughter. I agree she's lucky than lots of people. But some of us have to take action if we're not lucky enough and we can change our destiny.
I still don't know what baby step I'm on. I feel like the baby steps are for middle class families and not single people who have opportunities to do whatever they want.
I did it when I was single and am still doing now that I'm married. If you don't have kids, then you skip the college savings step but everything else pretty much is the same. If you don't have a mortgage and buying a place isn't a goal of yours then that's your choice. You should still save for retirement.
It’s unfortunate that you use click bait to reel people in without actually providing good intelligence. But make plenty of time to advertise your board game that people should buy, despite trying to get out of debt. Shameful.
I started back in 2020 with nothing. 100K took about 2 years. Currently at $162K. I didn't increase my income, just drastically reduced my expenses. Gazelle intense!
@@k-mart7475 64K per year. For 4 months earlier this year I was making a little more on a special assignment.
Congratulations. Well done
That’s amazing!
Wow that’s amazing and so inspiring to hear. Congratulations! Thanks so much for sharing! 😊👏🏼
2020 was my year also! That was an eye opener!
We’re at baby steps 6 and 7. We are paying extra in principal and saving aggressively but because of inflation, it is getting harder keeping the same budget monthly. We need to increase our income in order to adjust the budget.
I’m 60% of the way there. Having $100k saved is going to be huge coming from a low income background. Not sure what to invest in once I get there.
A good dividend etf
If it's in a 401k or Roth IRA, consider a target date retirement fund. Just make sure it has "index" in the name so you know you get low fees. It's a great starting point in tax-advantaged accounts.
If its cash, real estate
@@Dividendsmattertoo or a total market etf
Index fund index fund index fund
My wife just resigned from her job, but during the time she was working we were able to attack our mortgage with intensity freeing up pmi charges. It was a huge milestone for us, now that her income is off the table we have to re adjust the monthly budget, the 4 walls are no problem we just dont have that extra margin to reach all our desired goals at the time we had initially intended, which is fine. At this point we're content with the accomplishments we've made so far. She has the flexibility to be available for the children and this is one of the struggles we had going on while she worked. Everyone has different challenges, with different levels of difficulty, but all I can say is to stay committed, be content, set your goals, and keep pushing forward until those goals are met!
Y’all!! This really works! In 2019 we were all in with these baby steps. We decided to downsize to less than 1000 sqft, which allowed us to have no mortgage. For 6 months we lived in 240 sqft (2 adults and 4 kids). It was the funnest adventure ever. You have to make it fun to really make it work. Before the downsize we sold off everything that wouldn’t fit. Now we are working on saving up more money and hopefully being able to use that to start a farm. I’d love to see $100k in my bank account!
Sounds damaging for the kids but good for you I guess
@@emloufoxew Emma 😒
Well done you. In the old days children didn't need their own rooms. They shared and they grew up just fine. Keep it up.
Would like to start seeing/hearing more information for those who make below the "average" income but would like to still build wealth (but also have a family and cannot just go out and get a second job or have family that helps them out). I feel like this is a common place to be in and a lot of people feel stuck. We are on baby step 4 and it has been so hard to grow past that.
Yes. I know !
It’s ok to not build wealth in this season. You’re prioritizing your family. One day you will be able to work more and blast through the last steps. What you won’t be able to do is get the time back with your kids. Sometimes we have to embrace the season we’re in.
We are/were in the same boat. I found setting up extra bank accounts for goals was helpful. As long. As they are free to use and have no minimums etc. we put $20 here, or there into each fund. And we aren’t allowed to touch it. It starts to add up. Then I’ll transfer it to a big savings and start again. Or maybe things like tires. We have a fund for all car stuff. So when an expense pops up it forms hurt our monthly budget. It comes from the $20 I set aside every month. I even have one I put $8.50 in. It sounds silly but when kids need clothes I’ve got a little set aside.
Honestly I was a SAHM for 7 years and it really affected our family financially. My advice is to not worry. Get thru the baby/elementary years then get aggressive when the kids are older and more independent.
If you can't get an additional job, maybe change jobs to get a higher salary?
We are doing a low spend year. It’s trickier than it sounds but we are down to 28.2 K I can’t wait :-) so excited to be finishing step six …soon!❤
All of this takes YEARS & YEARS on the average US salary. Been following Dave Ramsey for over a decade and still working towards $100k in savings. I don’t count my home equity, it’s not available & if I sell or use it just have to start over but now without a place to live.
For a long time I have felt like the baby steps are mostly great but the media they put out seems to be geared for those with a higher income. Singles, lower incomes etc are left in the dust.
This is 100% something that will take a loooooong time to reach. I am not in America but some of these steps can be applied here. I am busy paying of my student loan now. As soon as that is gone I can start investing more. My retirement account is already done before I even see my salary.
Exactly, as she says, if you bring home $4000 a month & you spend $4000 a month on expenses, how exactly do you save up $24,000!
This was really a video about the baby steps
Just invest early and often guys. $500 a month for 10yrs will get you there.
Having the extra $500 a month in order to invest is hard, even when you cut all your expenses down to absolute necessities.
Yeah its not easy for most people but just investing $100 a month will go a long way just invest what you can. @@ilovenoodles7483
Why do I feel like she never answered the question?
I love all Ramsey videos no matter who puts them out don’t get me wrong, but I wonder how many times I’ve clicked on various videos thinking, “Here’s some new information or even fun different information,” only to be told about the baby steps again for 10 minutes. I understand the fact that they work, but it’s just restated over and over again in all of these videos and in a way clickbaited at this point!
You are so right
Honestly! I clicked on this video excited to see what Rach was gonna say just for her to go through the Baby Steps which I already know inside out and can recite in my sleep 🙄. Boring! Major clickbait 😭
Can you share the link for the episode on the money market information? Thank you
That is the problem with the whole group... They don't know how to make money except sell other people stuff and spend less than they make....
This is assuming you know where your money is coming from. When you and your spouse are both self-employed and never know when the next paycheck is coming. We have no debt and have a 1 year emergency fund, rent and no investments…however it is an income issue not a spending issue. 60 and 66 yrs…trying to start a new career is a challenge as well.
I'm on baby step 3 , my goal is to save 6-12 months of living expenses then i start baby step 4 for myself & 5 for my 10 year old daughter who's still in primary school now and will finish school in about 9yrs from now.
Thank you for this show, this platform needs more positive people and content.
I love your top! That color looks great on you. Love the show!
Please include medical expenses in the "four walls". Most people have to pay out-of-pocket for eye exams, glasses/contact lenses, dental care, medications, etc...that are not optional, nor are they covered by insurance. In many cases, these costs are fixed and there's no way to cut back either.
Yeah you tell her. I don't think she has some of those same problems because her expenses are less than her income so she seems to have options.
Was so thankful my new glasses were mostly paid for by insurance. Don't know how people do it without it. So blessed.
Dave recommends getting insurance or something like shared medical costs -they advertise for something like Christian healthcare ministries
I am so grateful that I found your family's principles. I still have the house payment, which I am currently making double payments and I should have the house paid off in six years, but only the house debt left. The peace of mind is what is most important. Changing my mindset from spend to save has been life changing. And, the best part of being saved is my walk with Christ. To those that are able to read these words. I hope/pray for your health, happiness and the longest life possible! May God bless you!
Where in the baby steps do you buy a home if you are a renter and on baby step #2?
Baby Step 3B, so after saving your fully funded emergency fund you will save for your home.
the $100K concept came from charlie munger, buffet's right hand man, the idea is that the first $100K is the most difficult to achieve but after that, due to compound interest and dividends, the rest is alot easier
Agreed, Munger will be missed. Same logic applies to the first million
To be fair, your first $100k isn't all gonna be liquid and on hand. Most of it is gonna be locked up in retirement accounts and investments. You'll technically only have about a quarter of that amount readily available.
Funny, your telestration ad was interrupted by another ad
Kinda annoying
There is no secret formula. It’s about being discipline and priorities. I down graded my car. I used that money to pay off credit card debt of 20K in two years.
It's the first time I understand it this way. Now it's another way to look at it. So I just have to pay up for my house. That's it. It's like a complete package. A combo. Nice!
Can't wait til I'm on BS7!
It’s just the baby steps. I thought you were gonna give me like how you got your first hundred thousand saved and how you and Winston, like cut certain things out of your life
What’s steps are saving for a car or things that you might need.
Please make Every Dollar available in Canada :)
I finished baby step 3 and had about $90k but decided to payoff my mortgage. I fell back to $65k and for some reason having an impossible time getting back to near 100k. I'm at $75k now. Also wondering if I should just let it go as a goal as its taking so long and concentrate on saving for retirement.
I have well over 100k but going to put it towards my first house soon😆
How long did it take you to save that? 😊
The focus and the dedication to pay off the debts matter. If you don’t start there, it won’t matter because the interest will always get you…
I dont have kids or a house . Is there a step 5 and 6 alternative?
Can we get a video talking about how much we need to retire like how much in investments alone would we need to retire
Is the15% of investment as a couple or we both have to invest 15% into retirement?
Hi Rachel, on baby step 5 for college fund, how much usually is the percentage to save for it? Is that included on the 15% baby step 4? Thanks in advance
Almost halfway there! Im 20 and the goal is 25, but I think I could get it by 22 or 23!
How do you put all funds into lowedt 1 debt first...then stil have funds for all other debt bills that are still due each month. I don't follow or understand how it works?
You make minimum payments on all other debts and put all extra money towards the smallest debt until it is paid off.
Then do the same with the next smallest debt and so on until all debt is paid.
Step 1 make more money 😂
This is joking but actually the best truth lol. Turns out making 4X what I made 10 years ago made it much easier to save $100K
I’m on baby step 3 right now but doing 9 months.
Just to be clear. Baby step no 1 is it once off or monthly?
1000 in a highly liquid account like a checking or savings account forever at the bare minimum
I love talking numbers!
I too started investing in 2020 but obviously don't have the amount to spare, to save and invest, that you have !! Didn't help that I had to pay an unavoidable emergency expence of £6000.
What are your thoughts on paying off the mortgage prior to saving for retirement, if the interest rate of the mortgage is approx. 4%? Thanks!
but you could lose out on compounding at 7-9% in the retirement plan. Big Balances take time to build or pay off, that's why we work them at the same time.
Good question. Pay off debt first imo.
Velocity Banking could help burn through the mortgage faster
I guess when seeing this video I am on babystep 3 and so, so close to my end goal for that one!
❤thank you❤
I feel like the title is misleading.
Lol. Because it’s realistic and obtainable and it works??
How is this a “how to save your first $100k” video?? This is just going over the baby steps.
Exactly lol that’s the secret 🤫 😂
Thank you!
15 % rule is monthly?
Hi where is the video on high interest accounts and money market?
Ive just tried to download the every dollar app . Im in Australia and its not available. Can anyone recommend a similar app
I'm favoured, $230K every 4weeks!!! I can now afford anything and also support God's work and the church.
I earn from investing in the digital market with the guidance of Anne Mayfield Jones Brokerage services...
After I got upto 300K trading with Mrs Anne Jones. I bought a new House and I'm now able to send my kids to a better school in the states thanks to mrs Anne. When someone is straight forward with what he or she is doing people will always speak up for them.
You can easily connect with her
+1618
448
What would be the number in countries where the average salary is 10 000 USD per year? How many years of expenses would it be? If someone makes 10 000 USD per year, even if they didn't spend anything, it would take 10 years to save. And from the 10 000 USD people need 8 000 USD just for housing and groceries. Would saving 10 000 for someone who makes 10 000 be equal to 100k for someone who makes 100k?
Step 3, after you pay off debt is to save up enough money to cover three to six months of expenses. Next, step four is to start investing 15% of your gross earnings for retirement.
@@melissahood2960 Thank you. I already did those steps. I am familiar with baby steps and I am on step 6. I assume 100K is not 3-6 months of expenses even in US.
For me, 24k is plenty for six months. I make about 100k a year but only live off about 52k a year. I invest the rest.
10k is 6 months expenses for me in North east US single no kids, 1 cat. I currently have 3 months.
10K Per Year spend 5K and the Rest In Dividend (A bit more Income and still you Invest) and Growth Stocks (more Interest but it keeps inside for you to sell)
In 10 Years you are 50% Compound could make it 70% then You for Sure have 100K in 12 Years.. If you can do 100K you can do another 50K but with 2500K Per Year Invested
I wish I could get it to work. It just wants me to get the pay version.
❤great video
Rachel, I know it’s an example. But if you spend 100% of your take-home-pay, you’re not going to be able to save any money. Let alone 6 months of one’s monthly spending. It probably makes more sense to have an example where someone spends half or 2/3rds of their take-home-pay rather than 100%.
62k median income or median household income?
She resembles her dad so much
Look up her mom, she looks like her twin
100k in 401k is my next goal
Telestration is called Chinese whispers
I’m at $37k! My goal is to be at $100k by the end of 2025!
Just got the app and read everything in your dads voice haha.
Wow you’re clearly very clever.. If only every dollar was available in Ireland 😢
What if you don't have a house or mortgages lol?
From what I understand then you can be saving towards the purchase of one if that is your hearts desire. Dave is big on paying cash for the home. 🤷🏾♀️
@@ericahenry2900 i definitely want to do so but it's not in my 5year plan. Coz my 2year plan is to save 6-12months worth of living expenses, then 2yrs for a car coz i want to get a good second hand in cash and 1 year to pay off the remaining $800 debt that i owe my mom.
So i guess only after 5yrs will i maybe change my mind and start saving up for a house and aggressively save up for my retirement.
@@ericahenry2900no...He suggests having a 3 to 6 month emergency fund, ideally 10 to 20% down payment for the house and have the mortgage be no more than 25% of your income
Here's how I saved my first 100k, I got two extra jobs that paid 50k each.
Im at 50K...
completely free app? you mean free to use but with restrictions that require sub to access not *completely* free
Rachel has never been in debt. Prove me wrong
practical
Baby step 2 with 274k student loan 🤦♀️
$89k in my 401k at 23, cant wait to celebrate when i get to $100k and go out to a nice dinner
The Nice Dinner Will set you back -$2K then you are Under $100K haha and need another Nice Dinner at $100K and -$2K
I cannot figure out Every Dollar. I guess I will just keep using paper and pencil.
I use an excel sheet that I built formulas in to automatically add/ deduct my income and expenses.
Me too Veronica. I love Excel and prefer to use it over the app. I did use the app for 3 months, but my brain likes to see everything listed in a different way. I have all my income and expenses in my spreadsheet, with my formulas set up. And it calculates according to my pay/income schedule as well. Works better for me.
I’m at 50k+
This is a great video, I learn a lot watching your videos and it has been helpful to me. Building a steady income is quite difficult for newbies.. Thanks to Mrs. Bonnie Antelo for improving my portfolio. keep up with the good videos.
Wow, amazing to see others trading with Ms. Bonnie Antelo, I am currently on my 5th trade with her and my portfolio has grown tremendously.
She's mostly on Telegrams app with the name below.
INVESTWITHANTELO💯
Greetings, I’ve seen positive reviews of this woman Bonnie Antelo for about the fourth time now, I think I’ll have to give it a try.
Here’s the cliff notes to this video. 4 words. Follow the baby steps. Ta da! That’s how you make $100,000
The first step she took was having a rich father 0:49 🤦♂️
😂
Ok..how come he rich? He was broke once and he took the initiative and passed down that knowledge to his daughter. I agree she's lucky than lots of people. But some of us have to take action if we're not lucky enough and we can change our destiny.
Give? Really I give in other ways
Isn’t this the Dave Ramsey thing?
The Road map is to get paid way more then $100,000 a year lol. You must be talking to people that has a good paying job.
I just invest in sp500 to get to 100k
Jesus loves you he died on the cross for your sins. Believe in him and you will be saved and go to heaven!
I still don't know what baby step I'm on. I feel like the baby steps are for middle class families and not single people who have opportunities to do whatever they want.
I did it when I was single and am still doing now that I'm married. If you don't have kids, then you skip the college savings step but everything else pretty much is the same. If you don't have a mortgage and buying a place isn't a goal of yours then that's your choice. You should still save for retirement.
I’m single and I’m about to finish BS2 and be in BS3 this fall.
All the same talks from Dave Ramsey…😂what a waste of my 9 minutes . I thought she going to breakdown the numbers, because she’s advising first 100,000
She has no new ideas about that likely..... Besides making more than one spends what new concept could she have?
This is essentially plagiarism from Dave Ramsey so will be reporting this
😂😂😂😂 um, that’s his daughter
🖑❤
👪👈❤❤
It’s unfortunate that you use click bait to reel people in without actually providing good intelligence. But make plenty of time to advertise your board game that people should buy, despite trying to get out of debt. Shameful.
Step 1: Be a nepo baby
Step 2: Done
I thought this would be how to save $100k cash. This is totally different having a net worth of $100k.
Annoying. Just the same thing her dad says