Once Worth $2.2M, Today I’m Struggling to SURVIVE
ฝัง
- เผยแพร่เมื่อ 27 มิ.ย. 2024
- 🔥 STAY till the END for a 1-Month Video Update🔥
Meet Marleen, a 52-year-old former millionaire who faced the harsh blow of bankruptcy and lost it all. With two children in tow, she stood at life’s crossroads and chose a path of rediscovery and hope. But there's a catch - Marleen's journey is still haunted by some not-so-great spending habits.
Will Marleen take the steps needed to turn her fortunes around? Join us in this inspiring tale of resilience and financial recovery.
#FinancialComeback #MindfulSpending #resilience
🔔 Subscribe for more Finance Action: www.youtube.com/@itsromainfaure/?sub_...
📺 New to Finance Action? PLAYLIST Start Here- • Finance Action
🕒TIMESTAMPS🕒
0:00 PARTY STARTS
01:15 WHAT THE HECK IS GOING ON?
05:48 FINANCIAL SITUATION TODAY
06:30 INCOME & ASSETS
07:50 THE EVENT
15:20 WHAT DOES SHE OWN?
17:00 EXPENSES & DEBT
24:00 THE MONEY CASE
25:49 WHAT TO DO?
35:19 WILL SHE TAKE ACTION?
36:30 1-MONTH-UPDATE
42:30 FINAL WORDS
#financeaction #financialfreedom #itsromainfaure
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Editor: Danica Studioso (www.danicaedits.com/)
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Disclaimer: Please be aware that this video and all other content produced by Romain Faure are not intended to serve as investment guidance or formal financial advice. The information presented is solely for entertainment and educational objectives. The money displayed in our video podcast is for entertainment purposes only and is not real currency. All cash shown is prop money, and should not be mistaken for genuine legal tender. Please enjoy our content responsibly!
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Financial education, Finance Action, American debt, personal finance, budget money debt cash, how to invest in real estate, how to start in real estate, rental property, investment property, compound interest, buying house, insurance, save, buy, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, financial independence retire early, how to pay off student loans fast, debt payoff, how to make money, get rich quick, get rich, make money online, net worth, loans, credit score, should I go to college, college debt, student loan forgiveness, debt free community, student loan, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, car payments, credit card debt, debt, credit card, payday loans, car debt, The Dave Ramsey Show, The Plain Bagel, The Rich Dad Channel, Graham Stephan, Meet Kevin, Ryan Pineda, Elena Taber, Noelle Randall, Lili Thompson, John Olfert, Bigger Pockets, Caleb Kids Show, Dave Ramsey Live, Caleb Hammer, Coffeezilla, Bridgette Wilson, John Oliver, Che and Cherice, Caleb Maupin, inflation, manifestation.
😀 WATCH HER 1-MONTH UPDATE at the end the video :) would love to hear your thoughts
It was painful to watch. She has no regard for repaying her dad or friend or her own future. She's still focused on a travel trailer for herself, leaving her husband with health issues.
As a British/Swiss person watching, it's refreshing to see a French presenter for an American audience. Offers a different perspective. I will keep watching! 🙂
Welcome on board 😁
This channel is criminally undersubscribed
I appreciate, we are moving up fast :)
Agree, I joined yesterday!
@@sharoncollins7722 welcome on board :)
I really don’t understand why this channel hasn’t grown more. There is no way the Caleb hammer can be the only one doing this
Hello mate! Thank you for the kind encouragement. We are multiple in the space right now, in fact about 5 of us. My unique differentiation is a particular focus on the story and achievable recommendations. I am constantly trying to brainstorm on what I can improve, and while we don’t reach millions yet I find great value in reading comments like yours and in the positive updates of people coming to the show. I always felt just like a number in a big US corporation, and today I feel that I make an impact, maybe small but at least I am trying ☺️
@@itsRomainFaure you’re doing a great job. The content has been great from the start. I am dealing with the same feeling of not really making an impact and I am trying to find something kind of like this to get into. I really hope you get to spread the positive impact to more and more people. You mentioned potentially moving to LA and I hope that goes well for you!
@@RodneyKingg we are on the same journey mate! I also hope you find your way🤞what are you strong at? And I am surprised that you remembered, yes my partner and I are trying to give it a shot in LA for 6 months and see if we can make it. The goal is to expand the TH-cam channel however I am not 100% sure for how long given the high cost of production and 70hours+ weeks right now. Our biggest ever video (something never done on YT I promise! Is coming early December) and I am really hoping that this one is THE ONE 🏆
And Caleb just yells at people and doesn't really provide strategies. I much prefer this guy.
@@8ofwands300 thank you for your kind response, unfortunately Finance Action is coming to a pause but I would encourage you to check some of our previous content which you may find very interesting !
Energy "healing" someone down to having several heart attacks is some unimaginable level of delusion. 🙄I'm sorry for anyone who's willing to pay for these "services".
Should have worked on hubby 😅
I couldn’t get over this 🤣
I'd be curious to see her actual breakdown of the $2.2M networth. I assume 95% of that was in the business considering how she had so little after bankruptcy.
I love how you treat every guest with respect! This is a great channel for all ages. Thank you for all you do!
Thank you 🙂
This is why you don’t spend all the money you make. Peoples income goes up, they seem to spend accordingly. The reason they say people who are a millionaires don’t look like they live like millionaires is because they’re saving their money. If you’re spending all of your money, it’s a house of cards that will collapse if there’s anything that goes wrong.
Valid points.
Many apparently wealthy people still live hand to mouth, just at a higher consumption level.
You are absolutely right, this is called "lifestyle inflation". Expenses rise to meet income. One key to building wealth is frugality.
I like your show, but I dont believe a word she is saying. Another self proclaimed healer... Like a fortune teller.. healing through phone and zoom.. Please people, do not waste your money on such mambo jambo.
No different than organized religion in my opinion. Sometimes it doesn’t need to be real to benefit people though.
@@angiesmith3489 There are frauds and fake healers in the church. most people within "organized religion" who see the frauds call them out. The media promoted mega churcharians are not really part of historic religions but a total psyop.
Totally agree. She's all out coo-coo!
This is the age of grifting. People can't wait to believe the latest conspiracy theory, miracle drug or whatever, and part with their hard earned money.
This is absolutely my favorite and the best financial channel I know. Can't wait to watch you grow more. This channel deserves so much more subscribers.
Comments like this mean more than you think ! Thank you so much 😁
I am so glad I found you, Romain!! You get right to the point but you are always kind & respectful!! I’ll recommend your show to many!! Bonjour!😍
Merci bien !! Lovely comment :)
Lost home and business, admits to having made bad financial decisions and failed her customers. IRS had to raid her bank account. Now claims to untwist intestines from a distance. Oh dear.
*RIGHT?!* 🤨
Most of all, she seems fine with it.
Supported herself and her husband after the bankruptcy, overcame the crisis and rebuilt herself step by step by finding full time employment and starting several businesses as well. Taking responsibility and planning for a brighter future. Way to go!
Yet her husband has suffered a stroke & heart attacks…
I love her spirit. Remember financial struggling should not identify of who we are.
Spot on!
Marlene is a good sport to be coming back and giving an update in person! Also, I love how open minded and respectful you are, Romain. Keep up the great shows!!
Love this comment keeps me motivated :) thank you so much for trusting us with your time 😁
Energy healer…ok that’s when I check out. See you in the next one.
I admit to feeling the same way, but I did finish the video to support Romain.
I understand what you mean - each story is different and we keep them raw & real. Some of them may not be for everyone but we are betting on our variety to offer a wide range of experiences :)
@@itsRomainFaure I liked her and how open she is to your suggestions. As far as Reiki and other alternative 'treatments' - I used to be a doubter but over time and experiences I came to realize how little we know.
She lives in a fantasy world.She had nothing after bankruptcy. I believe your house is not taken away on bankruptcy. She spent every penny she earned on flashly stuff instead of buying reasonable property and ordinary vehicles
No pity here.
@@TiredofMorons I'm not disagreeing with you, but as a former bankrutpcy attorney and consumer debt professor, you can lose your house in bankruptcy. But I do agree with you - bad spending was involved here.
Romain, so glad I found your channel! Learning so much from my own mistakes. Never too late at my 40’s. I wonder if you have any videos where you talk to someone living on disability income? When health throws a curveball and life changes completely. Hello from Canada!
Hello and welcome! I don’t have a video yet with an individual living on disability income. However I have a video of one person who did for over two decades: th-cam.com/video/nHGQkD_r0xw/w-d-xo.htmlsi=tUk_av5Yb-B91j_v
People who are that into 'woo' tend to trust the universe too much while ignoring practical matters.
If you like to have coffee you can tote around with you, you can buy thermal paper coffee cups with lids that you put homemade coffee into. It comes to about 15 cents per cup. Or just use a refillable coffee mug with cover.
Thousands saved …
Literally just had mine on way somewhere
I am so glad I found your channel! Keep up the great videos I am rooting for your huge success!
Thank you Nicole ! 🚀
I am tuning in from South Korea! I really love your show! Your step by step approach to finance is easy to follow.
Glad you enjoy it!
I just found your channel. Lots of wisdom and gold nuggets. Thank you for highlighting these case as they are very educational.
Thank you very much for trusting me with your time!
I just found your channel and I am so hooked! Your channel has made me rethink the way that I spend after only one episode. You're really good at what you do. 👏
Thank you so much 😁
I agree with you! This channel is awesome! I just subscribed! Please don't shut it down!
Really love your content. So insightful & precise
Thank you ! We keep going at it 🚀
amazing video as always Romain 🔥🔥
A zoom healer. Hey, i can appreciate the hustle even if i think it's a little fishy. She is a nice lady and i hope everything goes her way
I binged watch all your videos. I’m obsessed with your channel 😅
Love to hear that !! Let's GOOO!
This is such a lovely channel- I absolutely love watching your soft skills while navigating difficult discussions with your guests! Glad I found you.
Thank you so much!
These audits are so pleasant to watch. I love your approach Romain!
Thank you very much 😊
Great episide! Hoping the best for thia channel and my own career aspirations 🙏🏾
This video should be mandatory viewing for people who are just starting to collect luxury watches. I only collect watches in the $200 to $1,000 range, so this is never an issue
Not just for watches collectors :)
I love this channel!!! It's helping me so much. Love from Hawaii
Mahalo ☺️
Love this episode! I'm glad that even though you're more analytical, you have an open mind to other spiritual processes. That's awesome! Being open minded is a really good quality to have. ❤
I love the in-person follow up! It definitely gives a better picture of her attitude, and I love that it allowed you to ask more detailed questions.
Glad you liked it :) yes it’s not always easy to have it scheduled out but we do our best! Also keeps our interviewees accountable hehe
I agree. I just subscribed. Great advice.
Thank you! Welcome on board :)
Criminally under-subscribed. Love ya Romain
Thank you Paul!
You are professional!! Great video
Thank you so much!
Excellent content. Thank you!
Very good channel!!! Well done!❤
Thank you very much for trusting me with your time!
Sorry to hear Marlene's sad story. I wish her family and her well.
I do not think it is a sad story. It is a story of poor planning. At one point, she had multiple cars and a second house on the water.
I just found your channel today. I love channels where real people talk about their finances. Subscribed!
Thank you so much! Welcome on-board :)
I already watched 5 videos of yours today! I didn’t have work today, so I had plenty of time, I’m a flight attendant
@@asavannah7439 wow !! Yes I have been following your comments 😊
A 2008 systematic review of nine randomized clinical trials found several shortcomings in the literature on reiki.[23] Depending on the tools used to measure depression and anxiety, the results varied and were not reliable or valid. Furthermore, the scientific community has been unable to replicate the findings of studies that support reiki.
I'm binge watching these... I just discovered your channel.
Let's GO! Would love to know which one end up being your favorite haha
This woman is super hard to relate to, for various reasons. She doesn't seem trustworthy to me. I don't think it is worth interviewing people like this - unlike some of your other videos which were quite thought provoking.
I think it’s difficult to judge that fast. Everyone tell their stories in different ways, and I can see where you are coming from, but I rather being real and let individuals speak themselves rather than blocking for the specific stories I’m looking for … if that makes sense :)
Moral of the story, don’t live beyond your means. Great story to hear and help me going forward. Thanks!
So true!
I’m glad that Marlene shared her story because it is a cautionary tale on what happens if a person comes into money and they don’t know how to properly manage it. This happens a lot with people from humble backgrounds - they want to live it up when the money comes in. It’s not a knock on her (or others) - it’s very common for people who come into money to end up living paycheck-to-paycheck and put themselves in financial danger if things go wrong because they’re so excited about being able to afford a luxury lifestyle.
The “paint and puff” is actually a good business idea, since cannabis is legal for recreational use in a number of states, and it’s likely that it’ll be legal in the entire US within the next few years. I’d also offer gummies/baked goods/candies for those who don’t like to smoke. 😉
Merci pour le sujet et tes videos
Merci bien pour ton temps :)
I really loved her. She seemed like such a lovely person!
She is very kind!
She needs to pay off her friend. It will be honorable and give her positive energy and show gratitude for having such a good friend and by not taking advantage of her kindness and patience.
When she gets the funds back I agree this should be up in her list !
She’s a scammer 😂
I've had reki done...felt no results.
Maybe she is on this show as a free advertising ploy! (Two boats, a house in the woods and no savings and wants a trailer? A husband that doesn’t work? Maybe neither will even qualify for social security? Who knows. If he is truly disabled why not on social security disability? Something is off!
You didn't "lose" your home. You leveraged your home for a failing business. You bought a boat instead of paying your taxes and got busted by the IRS.
People: look around you. When you see peeps with new boats, fast cars, and big houses... 90% are leveraged. Its a very temporary lifestyle. Kinda like marrying the hottest girl in school. It neve lasts... Marry the smart one, not the hot one.
Keep up the great work Romain! Consistency is key for the algorithm. Why no more |Finance Action in the title? I will keep promoting your channel everywhere I can. I’m sure some of Caleb Hammers subs have come to watch!
I really appreciate your support my friend ! I was told that I shouldn’t put it in the title anymore so I am not sure. I have been trying different strategies lately but it remains difficult haha
@@itsRomainFaure I found your channel through Caleb hammers content. I think finance action in the title will draw in more viewers. But who am I to say, I never have done any TH-cam videos. Well done either way. Tbh I enjoy your content more🍿 Please keep to a schedule if possible. Thanks for the finance motivation!💸
@@xX_HaRdBaLLz_Xx I will bring Finance Action back in the Title in honor of you 😁
I just happened to find you. Not through another channel good video!
I'm guessing having watched Caleb's content was probably what made TH-cam recommend this to me. I love it
How can we help you grow your channel bc your channel is incredibly HELPFUL!
Sign new subbie on a Romain binge ❤
You are so nice ! Making sure you watch the videos till the end helps greatly haha
I like your channel. It’s a more mature version of Caleb hammers. Keep up the good work.
Thank you :)
$500 per month, in 10 months she would have a $5,000 emergency fund!!!
Mathematically correct :)
Omg i love his channel. Whsre does he find these trainwrecks? Amazing.
Not all are in trouble! but I find them through positive word of mouth!
Just discovered your channel. You are so talented. I think you will become famous for your work. I enjoy watching you. Hope the move to LA woks out for you. I love it here. I think you will find many opportunities,
Thank you so much ! Really nice of you :) and we are moving to Vegas in a couple of weeks 🤞
I love how respectful you are towards your guests.
Thank you for the kind comment :)
Yes, he is so gentelman❤😊
Love the prop money to quickly visualize how much money was spent on unnecessary expenses! Seems to hit home
Spot on, its a physical intervention
I obviously feel bad for her because of all the things she went through. BUT energy healing? Back in the days my mother spent so much money and time on a similar shameless scammer. Not to mention that she was struggling financially herself and had no spouse to rely on.
I like your channel Romain, you are doing a great job. But honestly, I don’t think it’s necessary to promote this
I understand your point. What I mean to say is that I'm not promoting anything specific; I'm simply going through the motions. Although I'm not particularly religious myself, I do believe in something greater than us. I think everyone should have the opportunity to explore their choice in their own way, provided it remains peaceful and respectful. This was the case with the video, so I chose to leave it unchanged after editing.
@@itsRomainFaure that’s a fair point , Romain. After watching more videos of yours, I can see that you are just trying to hear a story of each guest and provide them a safe space to open up regardless their background. I learned so much from your videos. Kudos to you for all your hard work!
@@irinazephiryna4621 thank you for sharing your thoughts too 😊
“Ah yah yai!” Love it! I thought only Spanish speakers said that expression 😋
Aïe aïe aïe 😊
New subscriber 🙂👍
Thanks Erik! Welcome on board :)
Thanks for the video Romain. Let's play "Get to Know Your Host." In the background on your shelf you have an unusual statue that looks like the Tin Man from the Wizard of Oz or the Falkville Metal Man (an old UFO story). What can you tell us about the statue?
Hello mate! If you are referring to the metal lamp behind the interviewees then this one is more random art to be honest haha I just really liked the vibe it has. The goal was to create a cozy environment pleasing to the eye of the watcher and for the person on the show :) now if you pay close attention next to it are a bunch of white books. Written on the border of those books is: WE TAKE ACTION😁 a direct reference to the show !
@@itsRomainFaure No. It is behind you, just to the left of the dog statue, right under the "A" stocking. It only shows up in part of the video. Check out 39:10. Looks like you redecorated the set in between filmings. Now that I'm thinking about it, it might be a nutcracker.
@@superflypheelign oh right yes :) just a random Christmas decoration for the vibe haha
I graduated High School at 17. Dad said ....PAY MY MORTGAGE...yes the whole thing....or leave. No choice there. No bike.....no car....no drivers license. Walked everywhere and continued working my fast food job due to lack of options. Never was anyone there for me. Its keep it going or enjoy the pavement. Also, I am female.
Wow, that’s horrible.
@@peachygal8856
Yes and that set me into alot of difficulties being able to do as well as I could have. However, I am a bit tough and didn't let it place me on the streets.
Dang. $750 a month waste.
I probably do the same
But my finances are better
$4100 income. Pension
No debt at all. Home paid for.
62. Retired. No car. No cc debt.
Life is good.
Clean
She could pay back her friend in 3 months instead of 3 years if she stops her unnecessary spendings
I have had dogs where pet insurance would have cost more than doing without. That was true for one of them who died at 15.
Bit obviously people who are not savers can't go without it.
This is so strange I think I believe about 1/8 of what I’m hearing. What kind of qualifications does one need to call themselves a “healer”?
Thanks for another great show. I have a lot of compassion for this women. I used to be in the new age and it’s very deceptive and prays on vulnerable people and then those people unknowingly can end up doing the same. Similar to Multi level marketing schemes. All the things you have to buy to do your work (and to be fair, many things regarding work need supplies, but it’s more than that, it’s the deception of abundance work which clearly is not working for her), all the workshops, it’s a money pit. I’m sure she has good intentions but I also pray she finds Jesus instead. No crystals required. Praying for her 🙏 and I also pray her finances improve. Thanks Romaine for helping her get closer to that goal.
Thank you for this kind comment I appreciate.
*preys on vulnerable people
You really think there's more validity to Christianity than the energy healing nonsense?
35:12 nice pronunciation on "month." Every other time I notice him using the French equivalent of "munce" which makes sense.
Hahaha
@@itsRomainFaure seriously, man -- that was nice! Awesome job.
Where does the show take place?
Seattle right now but soon moving to Las Vegas
The Reiki healing is one thing, but I hope she gets out of the mlm, legal shield, or lets be honest mlms plural because where there's one there's usually others with people like her. (but at least legalsheild isn't a product based mlm so she cant waste money on inventory)
Is the housing cost just the mortgage or rent? Does it need to include things like HOA fees? For comparing income to housing ratio, do you use gross income or net?
Good morning, that would include all housing related costs including Rent+Utilities+HOA. It would be compared against your NET Monthly Income.
Hold on... is this Santa Claus's wife?!
Yes ☺️
37:05 I think the "Gilligan's Island" reference went unappreciated by Romain.
I am not aware of that movie sorry :(
@@itsRomainFaure It's an old TV show about 7 people who are stranded on an island when they go on "a three hour tour" on a boat. She was singing "4 hour tour" about the boat date with her husband, to the same tune as the TV show's theme song. I thought it was funny but you are too young to have seen that show (if it was even shown in France, I don't know).
@@fredfinger7092 oh I see haha
Ouch
Tough spot :(
Velocity Banking and a ROTH IRA may help.
Marleen has great energy.
Pun intended.
Sound like this girl is cheating people telling just story,becareful girl like this,yikes!!
38 years of work my salary have always been low right up to this present day. My essential finances have been manageable, just about put aside £25 monthly in my emergency account. I enjoy watching the videos and so far the advice given is on point.
Id ♥️ to get some insight & advice from you! How did I apply??? I think i have an interesting financial story even if its sad & i really messed up financially......can i come back from it?? Help!!!!! My husband can come too even though im the one that f-ked up
Yes of course, we are located in Las Vegas and applications are about to open! You can reach me at romainfaurechannel@gmail.com
@@itsRomainFaure ty!! I kinda have a gambling problem so im hesitant about going to Vegas but lets take it 1 thing at a time-
I am a HUGE reptile fan and I own a large amount of reptiles: snakes, lizards, etc. I have a room dedicated to them, and the largest being a python that's almost 6 feet. nationwide does offer exotic pet insurance coverage for reptiles, birds, and small mammals, and they're basically the only company that does: it's roughly 20$ a month and does cover visits and surgery. I can't speak for birds and small mammal owners but reptile vet bills aren't usually that bad. The average reptile bill is like 100$ for an exam and about 300-500$ for surgery. I would suggest a reptile owner to keep 1000$ on the side just in case it's needed and to try and find an exotic vet somewhere near their vicinity because they aren't that common. Many geckos can live to be 25 years old and snakes can live to be upwards of 50 years old.
Wow ! Thank you for sharing mate, learning everyday on this :) very good info right here !
I can say that God did NOT make your purpose rakey healing!! Also anyone who is broke and buys a boat is always going to be broke. You have no special powers and you cannot heal anyone! What you are saying is of the devil.
So the energy healing fixed the stroke but then didn't prevent 5 MCIs...
He had 5 heart attacks?
Wonder if he took the pokey poke
Good point
More likely a diet consisting of too many trips to Red Robin. But we don't know. He might have congenital issues.
Heart disease has been the #1 killer of Americans for decades now. Long before COVID vaccines.
She looks great for 60
Right? I thought she was in her 40s!
Her husband should be collecting social security disability and should be helping with the bills.
Notice she said 'WE are not done with you' Who is WE?
Hmm not sure when this was mentioned ?
She didn't report any income for her husband - he might be on disability or could draw Social Security at some point
We have a video of her husband, check out the Santa Video :)
You do energy healing for free. Nothing good comes from spiritual gifts being used to get money. Bad idea. Keep your day job and sock away at the retirement plan, hopefully matched by company's contribution.
If she’s an energy healer why can’t she heal her own energy?
She has great energy!
40 indentured servants.
Wait a minute....is she an attorney to give legal advice?
It is some type of multi-marketing company. I’m not particularly familiar with it. I don’t believe there is legal advice provided by the members.
life lesson
It’s never too late though :)
Better than that 'Ramsey' guy .....
I appreciate :)
Shots fired!!1
I’m taking reiki1 next month
Let me know how it goes :)
The Catholic Church doesn’t like that stuff. It’s new age … along with tarot cards, crystals, astrological signs and such. I’d avoid it
It’s as easy as the the savings account won’t sink to the bottom of the bay…
I’m pretty sure she said SHE lives in the middle of the woods and paying 850 in rent. I think her husband lives in the boat. I may have misunderstood though.
Don’t we all have a boat
They use it as their house though😊
I have one 🎉
Energy Healer…🤨👁️👁️👀Great self promotion! No shame.
It is also her personality!
I close my eyes and I hear Jean-Claude Van Damme, I think an impersonation of Jean DuJardin (swiss banker) would bring more credibility to the table. Thanks
Right I should also change my place of birth, that could help ... come on :)
She's great, but still didn't start contributing to her retirement!!
I don’t want a man that I must take care of he is not her child children to grow up . She need a rich man that can help her
Check out who is her husband, Hint: Look at the Santa Video :)