I hit $113k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I have an eight-figure net worth and keep a spreadsheet listing all assets and their current values. I don't necessarily budget, but I spend far, far less money than my assets generate. My perks are road-trip vacations and making significant monetary gifts to worthy organizations. I understand the scarcity mindset. For me, it's rooted in having been at the other end of the net-worth spectrum years ago.
These stories are also needed, not only the problematic sad calls. She is rightfully proud of her financial situation and we should learn from them. Good for them!
Most people in my family and most people I know are in the 1-5 million net worth. None of us have ever had budget, ever even before we were millionaires. We just naturally have always spend way less than we make and consistently invested every month and are very frugal by nature. We just keep a set number in the bank and at the end of every month what every amount is over that set number we just withdraw it and invest it.
We budgeted for a while so we understood what was normal to spend for each category. Now we just spend without tracking everything but when we want to spend something that's not what we normally buy, we will go back to our old budget and see how we can fit it in
To be a successful business owner and investor, you have to be emotionally neutral to winning and losing. Winning and losing are just part of the game. Risk comes from not knowing what you are doing.
As a beginner, access to reliable information is vital to succeed, so also is professional guidance. That's where a CFP comes in. Have you considered working with one?
I have been advised on that. Finding one who understands what I want and can work with me to achieve it is essential, although I'm yet to find one. Any recommendations, please?
I have an Investment portfolio that's worth $1million, I don't think that'll be enough for retirement. I need an average risk investment strategy in stocks that'll give me more yield.
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed.
My wife and I have a net worth of just over $2M. And we still follow a budget. Our newest car is ten years old. We don't do recreational shopping. And we buy stuff on discount. And we still work a lot. So yes, I guess the same would apply for someone with even more money, but their idea of a budget is no doubt nicer than mine. Just as mine is nicer than most everyone else's. Still, I regularly see things and tell myself, "I can't afford that."
You guys may have a net worth of 2m and that may be largely do the price of your house. But how old are you guys? Your combined yearly income? How much money do you guys have in the bank? Like the net worth stuff sounds good
@@reese85 - We have no debt of any kind (including no mortgage debt), so our demands for income are not that pressing. House represents about 1/3 of our net worth, so that too is in a comfortable place.
Nice job keep rocking it you'll be where the caller is soon enough! I'm over halfway to you and in 5 - 10 yrs I'll pass $2m myself, one income household.
At this point, it's just an exercise with *no* reason to keep doing a budget. I'm in a similar situation and don't budget up front, I budget in reverse -- Keep track of the account balances at the beginning of every month and add them up to make sure there's more than the month before. No need to assign a dollar to every purchase that way.
Dave Ramsey still has more wealth than they have, so he can still be a resource to answer questions for the level they’re at.🤷🏾♀️ Granted, Dave wasn’t on this call, but I think these two still helped.
I disagree with ever liquidating your taxable account, just borrow against it for 5%,far less than 20% tax. You can pay the loan with the dividends from an account that large
I hate call like this. There needs to be more of call calls of people making around 120k gross or 7400 net in Connecticut Even with a potential mortgage of $1900 a month including taxes and insurance-25% on 15 Tithe of 740 Retirement of 1500 Then regular bills like food , utilities, Only leaves $1000 a month for daycare , sinking funds, vacation which is nothing.. so please tell me how people do it when two people make the same amount and work first shift jobs.. yall NEVER ANSWER DAYCARE QUESTIONS !
@@keithredsox36 wel, 2bf, Dave's wife stayed home. George's wife stays home. So their mentality can b... choose a lifestyle where that's feasible. Presumably not an option in yer case. Their next thoughts wil b ... 'hav Gma, or auntie, or church lady etc. do it 4 free / deep discount.' If that's not an option ... they basically wil say 1 of ya work from home &/or get a job w/ super flex hrs. 2 accommodate. Their argument is the same as it always is ... if u can't afford daycare ... u either cut otha expenses 2 allow 4 it ... or u crank up the income 2 match.
We are in the same boat - we don't budget per se, anymore. We just know what our general burn rate is and just use a top line number. We keep around $300K but much of that is used to pay our quarterlies.
When our income went up, a budget really helped to keep things in perspective by using percentages. We wanted to invest 30%, taxes were 33%, so we had 37% left to play with. Of that money we allocated to spend, 25% were fixed costs (housing, utilities, lawn care, and other monthly fixed costs). 10% was childcare, 12% was food, 4% car expenses, etc. After backing into it that way, we had 40% left for discretionary spending. This year, we spent 6% on restaurants, 11% on vacations, 4% on a golf/country club, 8% on home improvement, 3% on a house cleaner, 3% on kids activities, and 5% on other retail expenses (whiskey, my wife's hair/nailes, etc.) But all of this spending can easily be reallocated.
@@manoftomorrow5987 Yeah, honestly when we were broke, it was really easy to budget. Spend money on bills and it's all gone lol. I know people in the comments like to complain when high income people call in, but it really does get more complicated to manage.
Here is an interesting thought. How do they not have more net worth? At 56, making $550k a year and they only have 3.2 m invested. I would think iit would be higher. He is paying 200k in taxes so his actual net income after all deductions is probably closer to 200k
Absolutely, this is exactly how I was able I was able to retire at 57. Just because you can spend more, doesn’t mean it will necessarily make you any happier Spend on the things and people you love and enjoy, not on luxurious items or larger houses etc To impress others
Good for you for retiring at 57. I would love to retire early, I see the value and working towards full retirement age because I can accumulate so much more more wealth by working those extra years.
I'm 51yrs old. $40,000 weekly and *I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!* ❤️
Same here waking up every 14th of each month to 210,000 dollars it's a blessing to l and my family... I can now retire knowing that I have a steady income❤️Big gratitude to Maria Frances Hanlon
*Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
🚨 For example, if they are living off $350k out of the $500k then they would need $9-10 million to have a safe withdrawal rate at early age. If they wanted the full $500k per year they are used to then even higher. They only have $2.5-3 million actually invested, which provides roughly $100k per year income to live on. The math doesn’t add up that they are “that” thrifty or the $1.8 million house (which provides no cash flow unless they downsize). A lot of questions here but I wouldn’t say they are completely set if they are used to spend $200-400k per year. If he keeps working another 5-10 years then they’ll be set but also be old and can’t enjoy it as much. The math doesn’t lie unless they (likely) reduce their spending to retire sooner. 🚨
RIGHT love your statement because it makes logical sense!!! Yep I have always notice people don't account for spending 1/2 their expected payout given the buying power might fall but...
@ yea, I just hate hearing “you have $5 million, you are set and go buy first class everywhere” without any other considerations when that is way way off in many cases such as this based on the actual math. It’s $2.5 million actually invested and “first class everywhere” lifestyle is way more than $100k per year safe withdrawal rate on top of their property taxes and other hidden expenses on a house like that.
Listen to George lecturing someone with a net worth approximately 5x his own. She's earned the right to maintain $300k in her primary account at all times.
She had better beware of karma. When you brag about your riches, it can be taken away in a flash. If hubby passes away before her, she could go on a massive spending spree. It sounds like he is the business person.
I kind of do reverse budgeting, which I wouldn't recommend for people who struggle with discipline but if you have a rhythm down you can just think of all the regular expenses in your head, averaged over a year and if you aren't getting ahead by "x" amount every month you know you have an issue somewhere. I just think it's a way more chill way of operating if you have the fundamentals of spending less than you make down pat.
These calls are also needed, not only the sad problematic stories. She has the right to be proud of her financial situation. We should learn from them.
She and her husband are playing this over their $10,000 Bose system by the pool while entertaining guests over some mimosas and a private chef cooking up omelletes & waffles with a huge platter of shrimp cocktail on ice and freshly baked croissants.
Believe it or not, those who have earned wealth also have questions about their finances. I don't understand why y'all are hating just because you haven't done so for yourselves 🤷
You should track it, but you don't need a budget. So what if they have 300k in their savings. Keep that 300k in and HYSA. You don't want all of your money in 1 place.
I'm unmarried and instead of budgeting ***per se*** I live conservatively and invest. Spending money is painful (at least a little bit) so I spend when I need to and try not to think about it. The nitty-gritty of budgeting would drive me crazy.
goes to show how you can have a lot of money and literally no financial education. biggest mistake, the max she should have in any one bank account is 250K because that's the limit for FDIC insurance. When your bank goes belly up, at least you are somewhat protected.
People in the comments are so toxic. Why cant you be happy for others? Like how bitter do you have to be? Is refreshing to hear other people succeed instead of the old broke people living paycheck to paycheck. This is more empowering to me and I am absolutely happy for her. I hope she allows herself to enjoy the money without guilt.
Of course you still need to budget. As Jim Rohn said: "If you come into a million dollars, best you learn how to be a millionaire before it leaves you." These days Millionaire is nothing. I mean it's nice, but you are not flying first class to your McMansion and driving a Ferrari. Take George Kamal as an example. He is continuously telling us he is a net worth millionaire. It sounds impressive. But it is all in his house and 401k. He doesn't make $1M a year. He doesn't even have $1M. He has a house and a retirement fund. Now if that house is paid off then he will be saving a lot faster than most people and he could end up with $1M in his bank and investment accounts. But right now, if he goes off his budget and starts spending large like a millionaire then he could end up going backwards very quickly. "If you come into a million dollars, best you learn how to be a millionaire before it leaves you."
@@amireallythatgrumpy6508 No I agree. I was using him as an example because he mentions it once or twice but I doubt he will ever have trouble falling into the spending trap. But others might not be so lucky.
!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
0:20 we've kept a spreadsheet charting every penny we've spent in various categories so we know how much we need to live on once we are retired 0:38 200k to 300k in the bank account at all times 0:47 0:54 eat out less than they used to, they buy used cars, 1:00 monthly budget
Short answer yes!! You see broke rich people all the time!! Get a couple of vacation homes, 2 Bentleys, a Ferrari, and Land rover and abracadabra your living check to check!! Yall sound responsible now enjoy your wealth, on a budget of course!!
I agree. Congrats to her husband for being a lawyer and making that salary. But at that income level having a 5 million net worth is pretty average. She’s been along for the ride and wants a pat on the head
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
My advisor is “ Sophia Maurine Lanting’ highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I am going to look her up right away on web, I have about $220k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
Yeah.... but.. 800k... 1.8mil... I mean... unless godzilla attacks the us. They are going to be fine. Even if the world economy tanks and there investments drop to 25% of there value. They would still have a retirement better off than most. I mean I disagree with George a little given that they have almost 50k bills on occasion. But maybe 150k or whatever. Like. 300k probably is too much. My preference is for 12 month emergency fund. Hvac goes out. Thats probably 15k. You can hit your retirement and pull it out. But.. if you make 50k per year it's not likely a 6 month emergency fund is 15k. But I've been through a lot of crazy stuff so... I feel a lot more comfortable with 12 months.
Def brag call; but consider - @$500k household income, to have only saved a net worth of around $5 1/2 mil @56 years old actually isn’t impressive at all. Imagine the outlays to only have that much …. wow
Yes, their savings should be much higher if he's been pulling in $550,000 for an extended period of time. I have friends with much more saved that made less than half that income. They are house rich. Savings 401k - 1.8M + 820K in investments = 2.6M. They couldnt retire today with their spending load unless they sold that house which is not happening. She talks as if they are great savers by not going out to eat as much and buying used cars. Where's the money going?
@@JustinCase780 my thought is dude only recently made partner or the like & the $550k/yr. is fairly recent. Hence her call now of 'ok, how do we handle this?' /shrug
@@rvog6584 Can't assume anything friend. Show didn't ask and she didn't share so we will never know. But, they should be saving their tails off at 56 if they plan to keep that house because they don't have enough to maintain what her level of acceptance is and as sweet as she was on the call she's out of touch with how much they don't really have. They should have north of 10M if they think this party will continue. Saying, yea we eat out less and buy used cars means nothing. Kinda feel bad for her because she has no idea and hubbie should be setting her up to be o.k.
Everyone needs to budget in order to build or maintain a level of wealth, only as wealth builds, the scale of decisions becomes greater. People who mismanage finances tend to do so on the scale that money is available to them. Also, with investment decisions, what has bitten me is that, as wealth builds, so does the weight of decisions that carry the potential for greater rewards or greater consequences.
I am just now a 1 mil net worth and gave 500 to tn nc flood victims and 500 to my cousing that had thier kid die from overdose for funeral…..it was a dam good feeling to be able to do that
To be prepared for the call for the sake of time so what. And, if she had rambled all over the place with no specifics up front you would be complaining about that..😂
So she was prepared? Oh nooooo, how dare she be prepared. Wait, let's take it a step further... maybe, just maybe, she is this prepared with the rest of her life. Perhaps that's why she and her husband have EARNED their wealth. 🤔
Christine, you are doing great ✨😊✨. I'm proud of you! Stay as you are, and don't let anyone tell you different. All the best to you, your family and all of us ✨😊✨.
Well it got value so it's an asset. But it's dumb to have alot of your networth tied up in a house for sure. Unless you plan to downsize and move somewhere else it's value has little meaning.
Assets don't have to produce income. They just have to have future value. The carpet in your house is an asset if you can tear it up and sell it for $1 to some poor person. Please read page 1 of Accounting for Dummies. But, to further clarify how wrong you are... when you own a house you no longer have to pay for a mortgage/rent. And that money can be invested to create passive income. There, ya happy? Put another way would you rather have $0 invested, or have $0 invested and own a $10 million home? Duh.
I just have to applaud your content man, well done. at least from $18k to $75k plus profit weekly and it was incredibly insightful, Can't stress enough how helpful experts in this field are!
In my experience, actively trading cryptocurrencies can often yield better results than simply holding onto them. Engaging in trading encourages you to either develop your own skills or seek out reliable experts who can assist you in managing your account effectively.
Successful investment is figuring your goals and risk tolerance either on your own or with the help of a financial professional but it's very advisable you make use of professional.
"Rossiello McClellan" understanding of market indicators is impressive, she knows. exactly when to enter and exit trades for maximum profits. her signals are top notch..
My appeal to every Muslim, my brother or sister, the owner of the channel, I know that it is not my right to comment on your channel, but God is my witness that our circumstances are harsh and forced me to do this. Please forgive me. My brother, there is still a brotherhood of faith. I asked you for a bag of flour. My brother, we women cannot go out among men. There is still a woman with you. My brother, God has honored you. You are men. We are women. We cannot go out or work like you. My brother, where is the brotherhood of faith in your hearts? We are women. There is no brotherhood, no mercy, no compassion, no humanity. And give good tidings to the patient. It is the greatest hope while waiting for what we want. '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' How many times I called and talked and tried hard, but no one responded. Oh man, we are with you. My mother ordered us food from the restaurant. More and today. My mother left. Crying. She said, Why are you crying, my mother? She said, My daughter, I ask. God, that I may be honored by death. She said, Why, my mother. She cursed us. She said, "My daughter, today the restaurant owner insulted me. I said, 'Why?' I said, 'How can I be better than people?' I ask God, my daughter. May God gather me. With death alone, a gathering that is better than this humiliation and this humiliation. It is true. I am saying this. It diminishes my value and respect. But, man. I swear to God that I did not say this. I kiss your boots. I am so hungry that my conscience no longer allows me to let you go and ask us for food. I kiss your boots, man, and I ask you by God Almighty and in the Book of God, man, I kiss your boots, man. He has caused us harm, my brother, so that we can buy a kilo of flour and pay the rent. My brother, have mercy on us. He who is in the show will have mercy on you, He who is in the sky. My brother, this is my WhatsApp number: 00967713966035. Whoever can help us, message me on WhatsApp. We will send him the full name. He will transfer us as much as he can. May Allah reward you. Allah knows that my family and I, our house rent is 15 thousand Yemeni riyals per month, and now we owe 45 thousand for 3 months. The owner of the house is one of those people who do not have mercy. By Allah, my brother, he comes every day and humiliates us and talks about us and wants to throw us out of the house and into the street because we were unable to pay him the rent. We will have until the end of the week, and if we pay him, he will swear by Allah that he will throw us out into the street without mercy. See my situation for yourselves. I ask you by Allah, the Living, the Eternal, to help me. By Allah, the Almighty, even at night we cannot sleep from fear. We do not have mattresses or blankets to warm ourselves from the cold. Everything is flooded from the rain, and we have no one but Allah and then you. My brothers, I kiss your boots, don’t turn me away empty-handed. Help us with whatever you can. Is it acceptable to you that we live in this place? We are girls and we have no one. Our father died in a car accident. Consider us your daughters and your honor, and help me with whatever you can. May God reward you with good =>[[}>] ^][;&&&//&..,~~~♡♡~~~♡~~♡~•~•••••~•(･|.}]◤)~♡~♡~;l.i.i.i¡¡.i.i.l.|-.»◇◇.🎉🎉😢😢😢
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I hit $113k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.
I would really love to know how much work you did put in to get to this stage.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Really you people know her? I was even thinking that I'm the only one she has helped with trading.
Wow! wow! please is there any way to reach her services?
Sure!! Here’s her line
I have an eight-figure net worth and keep a spreadsheet listing all assets and their current values. I don't necessarily budget, but I spend far, far less money than my assets generate. My perks are road-trip vacations and making significant monetary gifts to worthy organizations. I understand the scarcity mindset. For me, it's rooted in having been at the other end of the net-worth spectrum years ago.
These stories are also needed, not only the problematic sad calls. She is rightfully proud of her financial situation and we should learn from them. Good for them!
It’s so motivating to hear from a perspective of just getting started. I see and hear it’s possible.
Where's John because she's not safe.
😂😂 when you know, you know
Most people in my family and most people I know are in the 1-5 million net worth. None of us have ever had budget, ever even before we were millionaires. We just naturally have always spend way less than we make and consistently invested every month and are very frugal by nature. We just keep a set number in the bank and at the end of every month what every amount is over that set number we just withdraw it and invest it.
I think that’s the case here in the uk too 🇬🇧… I agree a tight budget is better, but not vital if you live the principles a budgets teaches
After following a zero based budget for 4.5 years, I stopped budgeting completely and went to this method. Works great.
Same, have always saved but never budgeted. It’s very simple actually, spend less than you earn and invest any extra.
We budgeted for a while so we understood what was normal to spend for each category. Now we just spend without tracking everything but when we want to spend something that's not what we normally buy, we will go back to our old budget and see how we can fit it in
Brag call!
Her "used cars" are probably one or two year old Mercedes Benz & Land Rover. 😂
I love it ! It’s great to hear more variety in calls . Not everyone has 3 kids on 40k income living in wherever .
Jealousy post....
100%
@@MargaretGSmith-c1q She doesn't sound narcissistic at all. That is you projecting your disdain for people who are more sucessful than you.
To be a successful business owner and investor, you have to be emotionally neutral to winning and losing. Winning and losing are just part of the game. Risk comes from not knowing what you are doing.
You're speaking from experience?
Yes.
With my retirement funds of $980k, l've started exploring catch up contributions and automated my transfers to make saving easier
I’m looking for where to begin putting in some funds that will aid me after retirement. Saving up isn't giving anything in return.
As a beginner, access to reliable information is vital to succeed, so also is professional guidance.
That's where a CFP comes in. Have you considered working with one?
I have been advised on that. Finding one who understands what I want and can work with me to achieve it is essential, although I'm yet to find one.
Any recommendations, please?
My wife’s grandparents are multi-millionaires, her grandpa still buys used, shops sales, and budgets his income. Habits are habits.
No matter how much money you have you can spend it all.
Leave the $300k in the savings account. It helps them sleep at night.
I agree 100%.
I have an Investment portfolio that's worth $1million, I don't think that'll be enough for retirement. I need an average risk investment strategy in stocks that'll give me more yield.
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed.
Pls how can I reach this expert, I need someone to help me manage my portfolio
Melissa Elise Robinson is the licensed advisor I use. Just search the name. You’d find necessary details to work with 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.
I’m 26 years old been with Home Depot for about 6 years.
By the time I retire my 401k net worth would be $5-$10 Million
After hearing this, I'm convinced I need to start budgeting... but $300,000 in my checking account? Guess I need a whole new financial strategy! 😅
$300,000 is just 6% of their net worth. They've already won the game. If it helps them sleep at night, keep that in cash.
Once I contribute to retirement, investments, and bills, my “budget” is the balance of my checking account.
@@JWH808 but I wil guess u dont end the month with, say, less than 10% in there, rite? 😉
@ I always try to keep it at a $1000 minimum balance. Give or take a few hundred. My average daily balance is somewhere between $1-2k.
My wife and I have a net worth of just over $2M. And we still follow a budget. Our newest car is ten years old. We don't do recreational shopping. And we buy stuff on discount. And we still work a lot. So yes, I guess the same would apply for someone with even more money, but their idea of a budget is no doubt nicer than mine. Just as mine is nicer than most everyone else's. Still, I regularly see things and tell myself, "I can't afford that."
You guys may have a net worth of 2m and that may be largely do the price of your house. But how old are you guys? Your combined yearly income? How much money do you guys have in the bank? Like the net worth stuff sounds good
@@reese85 - We have no debt of any kind (including no mortgage debt), so our demands for income are not that pressing. House represents about 1/3 of our net worth, so that too is in a comfortable place.
Nice job keep rocking it you'll be where the caller is soon enough! I'm over halfway to you and in 5 - 10 yrs I'll pass $2m myself, one income household.
congrats
At this point, it's just an exercise with *no* reason to keep doing a budget. I'm in a similar situation and don't budget up front, I budget in reverse -- Keep track of the account balances at the beginning of every month and add them up to make sure there's more than the month before. No need to assign a dollar to every purchase that way.
I'm amazed at the amount of high wealth households that listen to the show
.1% ers are calling for what reason??? 🤔
To flex what else
To brag! She sounds like a brat.
Dave Ramsey still has more wealth than they have, so he can still be a resource to answer questions for the level they’re at.🤷🏾♀️ Granted, Dave wasn’t on this call, but I think these two still helped.
I disagree with ever liquidating your taxable account, just borrow against it for 5%,far less than 20% tax. You can pay the loan with the dividends from an account that large
I hate call like this. There needs to be more of call calls of people making around 120k gross or 7400 net in Connecticut
Even with a potential mortgage of $1900 a month including taxes and insurance-25% on 15
Tithe of 740
Retirement of 1500
Then regular bills like food , utilities,
Only leaves $1000 a month for daycare , sinking funds, vacation which is nothing..
so please tell me how people do it when two people make the same amount and work first shift jobs..
yall NEVER ANSWER DAYCARE QUESTIONS !
@@keithredsox36 wel, 2bf, Dave's wife stayed home. George's wife stays home. So their mentality can b... choose a lifestyle where that's feasible. Presumably not an option in yer case. Their next thoughts wil b ... 'hav Gma, or auntie, or church lady etc. do it 4 free / deep discount.' If that's not an option ... they basically wil say 1 of ya work from home &/or get a job w/ super flex hrs. 2 accommodate. Their argument is the same as it always is ... if u can't afford daycare ... u either cut otha expenses 2 allow 4 it ... or u crank up the income 2 match.
We are in the same boat - we don't budget per se, anymore. We just know what our general burn rate is and just use a top line number. We keep around $300K but much of that is used to pay our quarterlies.
When our income went up, a budget really helped to keep things in perspective by using percentages. We wanted to invest 30%, taxes were 33%, so we had 37% left to play with. Of that money we allocated to spend, 25% were fixed costs (housing, utilities, lawn care, and other monthly fixed costs). 10% was childcare, 12% was food, 4% car expenses, etc. After backing into it that way, we had 40% left for discretionary spending. This year, we spent 6% on restaurants, 11% on vacations, 4% on a golf/country club, 8% on home improvement, 3% on a house cleaner, 3% on kids activities, and 5% on other retail expenses (whiskey, my wife's hair/nailes, etc.) But all of this spending can easily be reallocated.
Mann…that’s a lot of percentages. lol
@@manoftomorrow5987 Yeah, honestly when we were broke, it was really easy to budget. Spend money on bills and it's all gone lol.
I know people in the comments like to complain when high income people call in, but it really does get more complicated to manage.
Here is an interesting thought. How do they not have more net worth? At 56, making $550k a year and they only have 3.2 m invested. I would think iit would be higher. He is paying 200k in taxes so his actual net income after all deductions is probably closer to 200k
You are making the assumption that he has been making 550k for many years
@@patelshiel to have 5 mm in net worth at 55, they have been high earners for a while.
Im curious to know if their 491k and brokerage account in wealth management? Or are they investing it themselves?
Called in just to flex 😑
Yup. She sounded like she had her feet on the ground though.
Absolutely, this is exactly how I was able I was able to retire at 57.
Just because you can spend more, doesn’t mean it will necessarily make you any happier
Spend on the things and people you love and enjoy, not on luxurious items or larger houses etc
To impress others
Good for you for retiring at 57. I would love to retire early, I see the value and working towards full retirement age because I can accumulate so much more more wealth by working those extra years.
I'm 51yrs old. $40,000 weekly and *I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!* ❤️
Hello how do you make such?? I'm a born Christian and sometimes I feel so down myself because of low finance but I still believe in God
It's Maria Frances Hanlon doing, she's changed my life.
Same here
waking up every 14th of each
month to 210,000 dollars it's a blessing to l and my family... I can now retire knowing that I have a steady income❤️Big gratitude to
Maria Frances Hanlon
I do know Ms. Maria Frances Hanlon, I also have even become successful....
Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Ms. Maria Frances Hanlon.
“Our house is worth $1.8”. Nobody asked lady. Such an insufferable brag call.
100%
Everybody needs a budget. Period.
*Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*
wow this awesome 👏 I'm 47 and have been looking for ways to be successful, please how??
It's Esther A Berg doing, she's changed my life.
I do know Ms. Esther A Berg , I also have even become successful....
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Yes. I am one among them by investing in crypto .. a few got just got lucky and luck is not for everyone
🚨 For example, if they are living off $350k out of the $500k then they would need $9-10 million to have a safe withdrawal rate at early age. If they wanted the full $500k per year they are used to then even higher. They only have $2.5-3 million actually invested, which provides roughly $100k per year income to live on. The math doesn’t add up that they are “that” thrifty or the $1.8 million house (which provides no cash flow unless they downsize). A lot of questions here but I wouldn’t say they are completely set if they are used to spend $200-400k per year. If he keeps working another 5-10 years then they’ll be set but also be old and can’t enjoy it as much. The math doesn’t lie unless they (likely) reduce their spending to retire sooner. 🚨
RIGHT love your statement because it makes logical sense!!! Yep I have always notice people don't account for spending 1/2 their expected payout given the buying power might fall but...
@ yea, I just hate hearing “you have $5 million, you are set and go buy first class everywhere” without any other considerations when that is way way off in many cases such as this based on the actual math. It’s $2.5 million actually invested and “first class everywhere” lifestyle is way more than $100k per year safe withdrawal rate on top of their property taxes and other hidden expenses on a house like that.
To the boys out there…. Her husband has to listen to this daily!!
He may enjoy the details. He may be extremely happy ... /shrug
@@rvog6584 Only if his nickname is One-nut Steve.
Wow, I have the same problems. I'm so glad she called in.
We don't budget anymore. Net worth just under a million.
Good for you then braggart. I'm sure 75% of the country can relate to this.
Bro is jealous.
Listen to George lecturing someone with a net worth approximately 5x his own. She's earned the right to maintain $300k in her primary account at all times.
That was silly. Hubbie makes $550,000 per year and pays his taxes out of that account so it makes all the sense to keep it at that level.
She called in you dumbass of course they’re going to give their opinions. What a shitty elitist attitude. I would hate to meet you in real life.
This caller sounds so much like a pitched up Rachel Cruz, it’s spooky!
It was Rachel on a crank call!
$5M and this lady has nothing better to do than call in and brag?
While her husband is hard at work, I'm sure.
She clearly does not . Hope her husband doesn’t dump her for a younger woman.
Of course. When you reach certain amount of wealth, it’s very easy to think you have it all and you start to spend it all
She had better beware of karma. When you brag about your riches, it can be taken away in a flash. If hubby passes away before her, she could go on a massive spending spree. It sounds like he is the business person.
I kind of do reverse budgeting, which I wouldn't recommend for people who struggle with discipline but if you have a rhythm down you can just think of all the regular expenses in your head, averaged over a year and if you aren't getting ahead by "x" amount every month you know you have an issue somewhere. I just think it's a way more chill way of operating if you have the fundamentals of spending less than you make down pat.
This call was unnecessary. This lady just wanted to hear her voice on the radio
These calls are also needed, not only the sad problematic stories. She has the right to be proud of her financial situation. We should learn from them.
She and her husband are playing this over their $10,000 Bose system by the pool while entertaining guests over some mimosas and a private chef cooking up omelletes & waffles with a huge platter of shrimp cocktail on ice and freshly baked croissants.
Bragging about her wealth, especially when most people are suffering financially.
Believe it or not, those who have earned wealth also have questions about their finances. I don't understand why y'all are hating just because you haven't done so for yourselves 🤷
@@jakealberda4487 AGREE !!!
You should track it, but you don't need a budget.
So what if they have 300k in their savings. Keep that 300k in and HYSA. You don't want all of your money in 1 place.
Tracking it = Budget.
@@amireallythatgrumpy6508 Tracking is not a budget.
I'm unmarried and instead of budgeting ***per se*** I live conservatively and invest. Spending money is painful (at least a little bit) so I spend when I need to and try not to think about it. The nitty-gritty of budgeting would drive me crazy.
goes to show how you can have a lot of money and literally no financial education. biggest mistake, the max she should have in any one bank account is 250K because that's the limit for FDIC insurance. When your bank goes belly up, at least you are somewhat protected.
Thanks for continuing updates! I make an average of $32,000 per week even though I barely trade myself.
How did you do it?
A friend of mine connected me with Leslie and since then my life have changed for the better
I am also a live witness to Expert Leslie, she changed my financial situation for the better. A big thanks to my aunt who introduced her to me
I’m from the Australia, me and two other friends of mine immediately tried it, we testified, she is really performing wonders
I started my investment with $15,000, a week later, we had grown to $55,000. This woman is an absolute genius
It must be nice to have your husband make everything, and you just get to budget it. Sign me up!
Traditional Christian principles.
@@superblump87bullshit principles
People in the comments are so toxic. Why cant you be happy for others? Like how bitter do you have to be? Is refreshing to hear other people succeed instead of the old broke people living paycheck to paycheck. This is more empowering to me and I am absolutely happy for her. I hope she allows herself to enjoy the money without guilt.
Jealousy is toxic
Wonderfully stated. Love your neighbor.
They are Democrats.
That's wild. If I had 600k I could retire rn at 21 and not worry about a darn thing except inflation. They made it in life fr.
No you couldn't
lol what
Too young to know how much you need
Well that's just wrong
@@karaelzexceed666 I guess you could with Dave's 12% yearly growth and 12% safe withdrawal rate lol
Yes
Hi. This is Larry Ellison. Founder of Oracle. Do i need to budget?
Hi, This is Elon. I have an Uncle named Sam. He is in debt trillions. Does he need to budget?
@@bfree247365well Sam is required budget. There’s just no accountability
@@bfree247365 Sam has an entire dept of highly compensated people making a budget. Sam just doesn't follow it
😂 George never misses an opportunity to sell a Ramsey product 🤣🤣
That's y he's the non-family member heir apparent. 😊
@ no doubt!
Of course you still need to budget. As Jim Rohn said: "If you come into a million dollars, best you learn how to be a millionaire before it leaves you."
These days Millionaire is nothing. I mean it's nice, but you are not flying first class to your McMansion and driving a Ferrari. Take George Kamal as an example. He is continuously telling us he is a net worth millionaire. It sounds impressive. But it is all in his house and 401k. He doesn't make $1M a year. He doesn't even have $1M. He has a house and a retirement fund.
Now if that house is paid off then he will be saving a lot faster than most people and he could end up with $1M in his bank and investment accounts. But right now, if he goes off his budget and starts spending large like a millionaire then he could end up going backwards very quickly. "If you come into a million dollars, best you learn how to be a millionaire before it leaves you."
Kamel is extremely frugal. He's not going to suddenly start spending.
@@amireallythatgrumpy6508 No I agree. I was using him as an example because he mentions it once or twice but I doubt he will ever have trouble falling into the spending trap. But others might not be so lucky.
@@clown192 geo. Paid off his mortgage like a yr. Ago. I suspect he wil hav a mil. Liquid in months, not yrs. ...
!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $200k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
YES!!! They better or it goes real quick! You can spend a million in a week or 2 if you don't habe a strong budget.
0:20 we've kept a spreadsheet charting every penny we've spent in various categories so we know how much we need to live on once we are retired
0:38 200k to 300k in the bank account at all times
0:47
0:54 eat out less than they used to, they buy used cars,
1:00 monthly budget
When a sweet Texas lady calls Ken morphs into his version of Matthew McConaughey.
🤣🤣🤣🤣🤣
Short answer yes!! You see broke rich people all the time!! Get a couple of vacation homes, 2 Bentleys, a Ferrari, and Land rover and abracadabra your living check to check!! Yall sound responsible now enjoy your wealth, on a budget of course!!
Honestly with a $550,000 income having a net worth of $5M isnt that impressive.
I agree!
I agree. Congrats to her husband for being a lawyer and making that salary. But at that income level having a 5 million net worth is pretty average. She’s been along for the ride and wants a pat on the head
@@arthrodea Most people at that income waste every cent.
yeah especially less than 10 years from retirement age, they should be worth at minimum $10 million with that kind of income
@@billyracks They are spending too much someplace.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with this person
My advisor is “ Sophia Maurine Lanting’ highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I am going to look her up right away on web, I have about $220k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
That income is a Costco GM intake
Law-yuh, she said. /shrug
Got i wish i had to pay 50k a quarter in taxes
Never assume the money will always be there.
Yeah.... but.. 800k... 1.8mil... I mean... unless godzilla attacks the us. They are going to be fine. Even if the world economy tanks and there investments drop to 25% of there value. They would still have a retirement better off than most.
I mean I disagree with George a little given that they have almost 50k bills on occasion. But maybe 150k or whatever. Like. 300k probably is too much.
My preference is for 12 month emergency fund. Hvac goes out. Thats probably 15k. You can hit your retirement and pull it out. But.. if you make 50k per year it's not likely a 6 month emergency fund is 15k. But I've been through a lot of crazy stuff so... I feel a lot more comfortable with 12 months.
Such problems 🙄
Every other caller from now on who past over $1 million will just like womp womp
I wouldn't change a thing
Bragging
A salary isn't a lisence to spend unwisely. Its an opportunity to plan, save and invest for your future.
Yes that is why they are millionaires 😮
Def brag call; but consider - @$500k household income, to have only saved a net worth of around $5 1/2 mil @56 years old actually isn’t impressive at all. Imagine the outlays to only have that much …. wow
Yes, their savings should be much higher if he's been pulling in $550,000 for an extended period of time. I have friends with much more saved that made less than half that income.
They are house rich. Savings 401k - 1.8M + 820K in investments = 2.6M. They couldnt retire today with their spending load unless they sold that house which is not happening. She talks as if they are great savers by not going out to eat as much and buying used cars. Where's the money going?
Salty
@@JustinCase780 yes, where indeed. I’m calling BS tbh… something fishy in that call…
@@JustinCase780 my thought is dude only recently made partner or the like & the $550k/yr. is fairly recent. Hence her call now of 'ok, how do we handle this?' /shrug
@@rvog6584 Can't assume anything friend. Show didn't ask and she didn't share so we will never know. But, they should be saving their tails off at 56 if they plan to keep that house because they don't have enough to maintain what her level of acceptance is and as sweet as she was on the call she's out of touch with how much they don't really have. They should have north of 10M if they think this party will continue. Saying, yea we eat out less and buy used cars means nothing. Kinda feel bad for her because she has no idea and hubbie should be setting her up to be o.k.
Sell the house and downgrade. Free up that equity to invest.
Husband and I! 100% she doesn’t cook, 100% she doesn’t even sound like a mom. She sounds like a princess that hopefully signed a prenup.
Who hurt you
What is with the anger? Can't you be happy for someone's success? She sounded like a lovelh person.
Everyone needs to budget in order to build or maintain a level of wealth, only as wealth builds, the scale of decisions becomes greater. People who mismanage finances tend to do so on the scale that money is available to them. Also, with investment decisions, what has bitten me is that, as wealth builds, so does the weight of decisions that carry the potential for greater rewards or greater consequences.
first class problems... my goodness...
Rich 🤑 people are broke DOS 2
I am just now a 1 mil net worth and gave 500 to tn nc flood victims and 500 to my cousing that had thier kid die from overdose for funeral…..it was a dam good feeling to be able to do that
Big Flex 💰
100% husband doesn't get any action LMAO.
You are sad
The call is scripted.
She's clearly reading a script.
To be prepared for the call for the sake of time so what. And, if she had rambled all over the place with no specifics up front you would be complaining about that..😂
So she was prepared? Oh nooooo, how dare she be prepared. Wait, let's take it a step further... maybe, just maybe, she is this prepared with the rest of her life. Perhaps that's why she and her husband have EARNED their wealth. 🤔
Even though Every Dollar isn’t available in the UK yet, let’s brainstorm some ideas for how we can bring it here!
Christine, you are doing great ✨😊✨. I'm proud of you! Stay as you are, and don't let anyone tell you different. All the best to you, your family and all of us ✨😊✨.
Good for them! I'm proud of them!
🤮🤮🤮🤮
Hi I’m Elon Musk should I budget?
Did anyone hear how old they were?
56yo. Or there about. That’s what she said.
@ thanks!
@@FunStuffBuddy You are very welcome!! :):)
Hopefully the lawyer got her to sign a prenup
I do
She’s a paid actor…. Reading off a script
That's great. Now prove that she didn't write it herself as part of her call preparation.
Yes I do. I know exactly what we spend monthly to the $
Team Ramsey: please stop uploading these brag calls, it’s getting boring now & serves no value whatsoever
Once the hubby leaves her she will be singing a different tune.
She sounds like she would be very annoying to live with.
@@user-xp9ry8yh9z culd b tru. Or maybe dude is super happy. /shrug
She seems like she would constantly remind everyone how much money she has
I never think of a house is an assets because it’s doesn’t produce passive income.
House grows in value, so technically it sort of does
Nothing produces passive income. It simply doesn't exist.
Well it got value so it's an asset. But it's dumb to have alot of your networth tied up in a house for sure. Unless you plan to downsize and move somewhere else it's value has little meaning.
Assets don't have to produce income. They just have to have future value. The carpet in your house is an asset if you can tear it up and sell it for $1 to some poor person. Please read page 1 of Accounting for Dummies. But, to further clarify how wrong you are... when you own a house you no longer have to pay for a mortgage/rent. And that money can be invested to create passive income. There, ya happy? Put another way would you rather have $0 invested, or have $0 invested and own a $10 million home? Duh.
“Take it easy Pump the brakes” Hilarious
I just have to applaud your content man, well done. at least from $18k to $75k plus profit weekly and it was incredibly insightful, Can't stress enough how helpful experts in this field are!
Despite all factors I'm still scared about 'em and the fluctuation in prices of the crypto Market, but gonna also start trading right away.
In my experience, actively trading cryptocurrencies can often yield better results than simply holding onto them. Engaging in trading encourages you to either develop your own skills or seek out reliable experts who can assist you in managing your account effectively.
Successful investment is figuring your goals and risk tolerance either on your own or with the help of a financial professional but it's very advisable you make use of professional.
"Rossiello McClellan" understanding of market indicators is impressive, she knows. exactly when to enter and exit trades for maximum profits. her signals are top notch..
I invest with Ms Rossiello McCauley and the profit is great even with the dip.
dont follow dave ramsey
Why?
Not subscribed nor follow his steps.
My appeal to every Muslim, my brother or sister, the owner of the channel, I know that it is not my right to comment on your channel, but God is my witness that our circumstances are harsh and forced me to do this. Please forgive me. My brother, there is still a brotherhood of faith. I asked you for a bag of flour. My brother, we women cannot go out among men. There is still a woman with you. My brother, God has honored you. You are men. We are women. We cannot go out or work like you. My brother, where is the brotherhood of faith in your hearts? We are women. There is no brotherhood, no mercy, no compassion, no humanity. And give good tidings to the patient. It is the greatest hope while waiting for what we want. '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' How many times I called and talked and tried hard, but no one responded. Oh man, we are with you. My mother ordered us food from the restaurant. More and today. My mother left. Crying. She said, Why are you crying, my mother? She said, My daughter, I ask. God, that I may be honored by death. She said, Why, my mother. She cursed us. She said, "My daughter, today the restaurant owner insulted me. I said, 'Why?' I said, 'How can I be better than people?' I ask God, my daughter. May God gather me. With death alone, a gathering that is better than this humiliation and this humiliation. It is true. I am saying this. It diminishes my value and respect. But, man. I swear to God that I did not say this. I kiss your boots. I am so hungry that my conscience no longer allows me to let you go and ask us for food. I kiss your boots, man, and I ask you by God Almighty and in the Book of God, man, I kiss your boots, man. He has caused us harm, my brother, so that we can buy a kilo of flour and pay the rent. My brother, have mercy on us. He who is in the show will have mercy on you, He who is in the sky. My brother, this is my WhatsApp number: 00967713966035. Whoever can help us, message me on WhatsApp. We will send him the full name. He will transfer us as much as he can. May Allah reward you. Allah knows that my family and I, our house rent is 15 thousand Yemeni riyals per month, and now we owe 45 thousand for 3 months. The owner of the house is one of those people who do not have mercy. By Allah, my brother, he comes every day and humiliates us and talks about us and wants to throw us out of the house and into the street because we were unable to pay him the rent. We will have until the end of the week, and if we pay him, he will swear by Allah that he will throw us out into the street without mercy. See my situation for yourselves. I ask you by Allah, the Living, the Eternal, to help me. By Allah, the Almighty, even at night we cannot sleep from fear. We do not have mattresses or blankets to warm ourselves from the cold. Everything is flooded from the rain, and we have no one but Allah and then you. My brothers, I kiss your boots, don’t turn me away empty-handed. Help us with whatever you can. Is it acceptable to you that we live in this place? We are girls and we have no one. Our father died in a car accident. Consider us your daughters and your honor, and help me with whatever you can. May God reward you with good =>[[}>] ^][;&&&//&..,~~~♡♡~~~♡~~♡~•~•••••~•(･|.}]◤)~♡~♡~;l.i.i.i¡¡.i.i.l.|-.»◇◇.🎉🎉😢😢😢
Your videos are not just content, they are a source of inspiration and learning. Thank you for your creativity and hard work!👍🤡😄
Your channel is where every video is a new story and discovery. Keep on surprising and inspiring us!🏚🌌🥅