Mel, I think it would be helpful if you include a picture of the person you're interviewing in your thumbnail. For one, it visually differentiates each video a bit more. Secondly, on the off-chance that someone doesn't follow you but they follow your guest, you've got a new listener/subscriber when your video pops up in their feed. It would also help to put their name in the title. All this to say, I really appreciate & enJOY your podcast!
My Mother once told me that I was very good with my allowance. Our allowance was $.50 cents a week! That was one of the best things she could of told me! My Grandmother once said “ nothing like making your OWN money as a Woman”! Thank you Mom & Nana❤
I can tell you that psychology of money is so real. When I was little our neighbor put in a beautiful pool and frequent outdoor parties that we did not attend, so I asked my mom if we could put a pool in. She told me the only reason they put that pool in was because her dad died and the life insurance paid for it. Not sure whether that was the truth or not, but ever since my subconscious told me that to have a rich life, unfortunate events needed to happen. Later, as an adult when my own father died the inherentance was used for a down payment. Subconsciously I felt so undeserving of that house that circumstances caused me to foreclose within 5 years. My whole life has been one financial struggle after another. I am grateful for this podcast episode.
I think I understand how you feel. I 🙏🙌🙏 that your ideas and thoughts connected to $$$ are now healed, and you and your loved ones are now blessed with financial abundance! Deep breath, Let it all go ... Breathe in the healing energy! Take care ❤
This sounds as if you have experienced a genuine form of trauma clinically referred to as financial trauma or money trauma. Find an explanation that makes sense to you.
My first experience of feeling this was when I bought clothes for my kids at Target for the first time with my own paycheck. We had been living for so long off the generosity of others, which was such a blessing, but the feeling of being able to buy new clothes for my kids is a feeling I will never ever forget.
I completely understand you, I lost basically everything I had including my house and my 2 oldest kid, were very young and in the mist of everything I Survive a very, very difficult divorce, so, I was too in the mercy of others, and is been a long journey, but I never forget buying food from Olive Garden for my kids and seeing them so happy!! I believe there is more in store for you and your family.
I learned something. Listen to the people who resonate with you and who can uplift your frequency. Last night I listened to Robert Kiyosaki, amazing man but the way he delivers is what gave me anxiety and it demotivated me. I felt like i ll never be successful or rich because I dont ve enough knowledge but when I listened to this podcast, I feel so motivated. I feel like yes! I can do it. If mel can do it, Rajit can do it, so can I . The way you guys relate to people are not there yet, its amazing
Hi Maria. I know exactly what you're saying about not being able to listen to someone because of how they are coming across even though you set your intentions on soaking up their information. It's frustrating to say the least. What I do is keep looking until I find someone else like Mel to explain it. Just thought I'd throw that out there. Have a great day💜🙏🌞🦋🌻
omg I have that problem with Robert Kiyosaki too! He is kinda scattered in the way he talks about things. It's not you..he could do a better job of explaining things. I think he speaks to people assuming they have already seen/read all of his content, so if you haven't..there's a lot that doesn't make sense.
@@laurieclarkson9180 all I hear him saying is become an investor, use others’ money but the question is how? No practical guidance at layperson’s level
Good morning Mel…you once said on one of your podcasts that you read every comment, so I wanted to share this helpful concept as you continually strive to reach the vast in this world… I believe you, and you bringing variety to help people in many areas of their life. And many times I would love to share your content, but what I have found personally is your choice of words can be offensive to some, and because you’re audience brings all kinds , it would be so helpful if you stayed neutral with some of your language. I am a believer in Christ and I can’t forward this information to other believers because they would be hugely offended by your “F” word often. Your reaction may be it’s just language, Debbie… But I believe that words are powerful, and they have double meaning and we have to realize that our goal is to help everyone not just people who will not be offended by your language. I speak from the heart, and from a nonjudgmental Place but from one entrepreneur to another the saying, is you get more with honey than you do vinegar. From the bottom of my heart, I urge you to take that word out of your vocabulary when you’re talking to the world and you will touch more lives. ❤️🙏
I agree. I love both of their podcasts, but I don't always like the language. I can't play it in the car when kids are in. And some may say, "kids have already heard all that before!" And they are probably right, and that proves my point. They are ex[posed to seedy and bad language a lot, why don't we give them some examples that show some of us still believe in the power of words. Satan can't read our minds, but he can certainly hear our words. I don't wanna give him anything!
What is it that they say... when the student is ready, the teacher appears. You have no idea how much I need to hear this message today. Thank you for giving me back my ability to dream and to be excited about it!!
Almost 2 years ago, my marriage ended, 6 months after I lost my job. Since then I have immersed myself in anything that can help me create a better and expanded life. I deeply desire to create my dream life. This episode has in it the most personally relevant, inspiring and practical advise I have gotten so far. I am very excited about developing my 10 year dream list, doing my CSP and my GFFS (guilt-free f***ing spending) list. This was a transformational piece.
@@marjn1030lol, exactly. You can't dramatically improve your life after a certain level of spending. It's a spiritual or relationship hole that needs work.
This episode gave me so much hope & inspires me to dream bigger! I had to start over at 53! Horrifying! Divorce, at beginning of a pandemic! I’ve been through so much alone the last 4 years , but proud of how far I’ve come & I’m stronger! Not near where I want to be financially but working hard & this has given me relief & hope! Joy about my future not dread! When you said I love you I almost started crying! 😢 I hear it from my friends & family of course but it just touched me! I know you are rooting for us all! 🙏💗
Be encouraged! This podcast was indeed Refreshing and Empowering! And yes, something about that "I love you", turned out to be SOOOO immensely, intensely, and impactfully well received!!! ;)
When I was a child, I remember going to the beach and most of people in the restaurants were Americans. Me and my family didn’t have money, so while I was eating my watermelon y visualized myself going to those restaurants. Few years ago I went back and I invited my best friend to eat at a nice restaurant closed to the beach. I told him, you can order whatever you want ( it’s my treat). I ended up drank and singing with the musicians. My friend said “ the money they you spent on a dinner, that’s the money I make in a whole week of work. I felt great being able to invite my friend:)).
I have to have a budget. I do not have much money after all my monthly bills. If I spend too much on one thing, it could leave me without something else. I actually budget "blow" money. I can use it for anything I want. I do not go over. It has helped me so much.
Mel is salt of the earth, real. One of the few out there who cares about people's well-being. I recently discovered Ramit and like his approach. He's sincere and to the point. Love it.
Mel, thank you for stopping the chat, slowing down, clarifying, saying when you freak out and zone out. I did too, at exactly the same points. I would have left the video early, because of my triggers. I appreciate that you have been through the trenches, that you keep it real and relatable. Your approach made it graspable and doable, for me and I feel like this could actually work for me. Before, I felt guilty for every single purchase including basic groceries...now, my paradigm includes GUILT FREE FCKIN SPENDING!!! WOWZERZzzz!!! How did I get so lucky? Thank you both (and your teams) for your contributions! 🙏💥👌
Mel, you are speaking my language!!! This is amazing. I just shared it with my husband. I feel like I have financial hope for the first time in my life…at 55. Thanks friend!
When Mel talks about how hard she was hit with the debt when the liens on the house and family invested I just said a silent Thank you to the universe that she is still here. That would literally have killed anyone to be under that much stress. So blessed she overcame and can help us on our life journey.
Oh Mell, thank you for sharing this gift of desserts with us. My husband and I are celebrating our first anniversary this week and are going to a fancy restaurant in our area. He loves sweets and all kind of desserts. I’ve learned he bought me a gift. I’m not into gifts or giving. It’s just not me, but I’ve made plans to pay for the meal as my “gift”. I’m gonna add in desserts. .. several. It’s going to be such a special surprise for him. I love it. Thanks again for the idea.
This is the first time I am listening to this podcast. I am amazed by the host; she seems so bluntly authentic and is good at asking clarifying questions. It’s as if she knows exactly what I want clarity on.
His positivity lead me to my credit and immediately payed them off during watching this. His mentality of deserve a rich life- made me aware I’ve been in this lack mentality of not wanting to spend the money I have. He also expanded my thoughts and wants for living my own rich life. He’s amazing !
that's what they say in INDIA, :) : you will go to heaven, keep living your minimalist lifestyle. so he knows psychology of money easiest way that's what you learn and see from family. financial freedom, money managements all from family
Mel 😭 I am in my car crying so much listening to your podcast. Thank you so much for being the authentic person that you are, thank you for sharing those wonderful interviews with us. You are giving us hope. Also, my dream is to become, as you do, a person who will have a positive impact on people’s lives. I am doing it today as I am a nurse but I want (and will) to do it in a bigger level Thank you for all the good that you do. With love❤❤❤❤ Sophie
Wowwww….YES! A message I and so many needed to hear! Grew up in Nigeria with my parents as missionaries. As a success single professional, who also raised my children as a single parent for many years, with many struggles I STILL have this fear of not having enough money in the bank. I do spend and enjoy the wonderful necessities of life, but always wonder how my money can work better for me and my future. Thank you so much for sharing soooo many wonderful moments Mel!
I am 44 years old with 3 kids, and I dream almost everyday to go to college, I know it’s sound stupid in my age even to talk about this subject, but I just couldn’t help myself when you both we’re taking about dreams.
It doesn’t sound stupid at your age at all!! There are people who start studying in their 50s and get their PHD in their 60s. You can go to college and you can finish at any age ❤ I believe in you guys
I’m newly separated from my husband and headed for divorce and my biggest dream is to make so much money that I’m not only comfortable, but that I won’t have to rely on any alimony from him
Just found Ramit last week- watched his entire Netflix show- this was great!! He makes me feel much hope to become more empowered when it comes to understanding money!! THANK YOU MEL AND RAMIT!
Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
I stopped trying to predict market outcomes based on chart studying after 5 years of uncertainty. Not having a mentor caused me 5 years of pain. I learned to follow the market's direction and keep it simple with discipline.
I won't pretend to know everything, though. Her name is Sharon Ann Meny but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.
@@hasede-lg9hj Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
I heard nothing from parents & knew nothing. I never thought about money & bought thousands of dollars of hair extensions, had big car payments. I bought my son anything & everything he wanted (like a $300 tortoise etc) Today I have older beautiful cars like 2004 BMW SUV & ❤ my older Jaguar both paid off 100% & have natural hair, do my own nails m, eat at home etc. Knowledge really is power! Thanks for another great video.
THIS IS GOLD! They should be teaching this at schools. I have had a very bad relationship with money where I spend without a budget, without looking at my finances... and sometimes landed in debt. This has made me feel more at ease and comfortable when dealing with money, learning to divide it into the 4 steps makes it less scary, more tangible and gives me more control over my life instead of going at it blindly.
I love the action of buying every item on the dessert menu! It’d not about the money - it is the decadence, the exuberance, the community element if there’s a group at dinner!! 😀 I can’t wait to try this myself.
1:02:20 says it all addressing the theme from so many financial gurus! It is refreshing and less heavy hear this perspective than the typical Dave Ramsey approach of "Beans and rice and rice and beans" until your debt is paid off.
My grandmother and grandfather raised me. My memory of 💰 Money, my 2 sisters and I split $150 A month to buy clothing for our selves. My grandmother told us, we couldn’t get anything extra because she didn’t have it. She stressed Poverty. She told me I had to Work when I was 14. Therefore, my teen years were a complete nightmare. So I’m working at 14, up until today, I’m changing the way I THINK about Money. I do not believe in the system that I was unfortunately brought up in. I felt robbed. For this negative mindset as a child, this carried on in my 20s and 30s. I am well aware it’s due to the fact that I grew up in a poverty mindset house hold. This will Stop TODAY.
Your grandparents sound like remarkable people. How lucky you and your sisters were to have that kind of love, especially during a time when they were likely planning on retiring.
Mel, you are so interesting, funny and creative but it’s just hard to listen to your excessive swearing, I bet you still can get your point across without swearing, would you take the challenge?
@@giselacooper413 They are just WORDS, they can't hurt you. I actually like when she drops an "f" bomb or uses another four-letter word. I feel it makes her real. It also shows her true passion. I am not a person that uses swear words consistently, but sometimes it's the only word that really works. I say, "Drive on, Mel! You are real! Keep up the great work! Please DON'T accept this challenge"
OMG!!!! Thank you both for coming together to break down these scary but simple concepts of rich life Please, KEEP DOING more of it, bring the money conversations to "normal" people. Maybe yet in this generation we will bring these conversations and exercises to the primary schools; budgeting, saving, investing, dreaming, setting up systems!!! THANK YOU!
I'm with you mel .. hear no evil see no evil.. party on.. survival living is energy draining!! I ignored so much for a short time and got myself in a corner. Ramit s financial perspective has changed my money flow.. I did have more than I thought even with the big debt. I see the light now,!!! And I started late with investments due to me ignoring my money perspective.. love it!!!
Mel and Ramit, I feel like I want to give you a big hug. This podcast was amazing for me. I had watched before Ramit’s Netflix show and I learned a lot. First thing I made after watching it was going to the computer and make a very simple financial planning. I had also watched Mel’s videos on TH-cam and I love them, because I learn a lot and practice my English. I feel like I want to take control of my money and dream about a rich life, thank to you. I watch you from Mexico City 🤗
Absolutely loved the conversation! No blame and shame here, only learning and support. We watched the Netflix show and bought the book! Also shared it with our children who are both at university currently. Many thanks Mel and Ramit. Your biggest fan from Singapore ❤
Fabulous episode! I listened twice and am using the CSP and have told all 3 of my kids to listen and implement. They are 19,24,26 and this will change their lives! Thank you thank you thank you! So simple and such a huge benefit to, not only our bank accounts, but our spirit and our overall relationship with our finances.
This is one of the most relatable, understandable and encouraging conversations I’ve heard regarding our relationship with money. Will be sharing it with others for certain. Thank you both!
This is interesting. How does the advice work for people in their 60s or beyond who have long struggled with money, have debt, haven't saved adequately (or at all) for retirement and are scared and regretful? Is this exercise more for people in their 20s to 50s?
I guess the advice work for all age groups. Whether they're 20, 40 or 60. Linear thinking usually limits us. If we just look around more and more day after day we can change the vision.
Mel is so good in interviewing people and she really know what question do we have. especially those who are not yet in the status that we ought to be.
This talk gives me hope. After a crushing divorce, then a sudden cardiac arrest and all of the complications involved in that. I am in the shit atm and this has given me a starting point. Thank you
Such an amazing podcast, best of all I should say. Thank you so much Mel for looking out for us and connecting to so beautiful people just to share all that knowledge through your podcast. Glad most of the things I do related to finance yet it gave me a whole new view towards money and my connection linking to childhood. Will be sitting n working on the guidelines this weekend. Thank you so much once again and you have such a soothing voice which makes the listener so calm and enjoy till the end.
This is unbelievable! Thank you for having Ramit on your show. I am the spreadsheet guy that watches our money. This is one of the most freeing episodes I heard. Thank you thank you thank you!!!
Это видео конкретно поменяло моё восприятие по поводу денег, особенно тот момент когда он сказал что ваша богатая жизнь не обязательно должна быть похожа на богатую жизнь других людей! У меня аж мурашки по коже пошли от осознания смысла этой фразы. I’m very grateful for this video Mel! Thank you very much!
Loved Ramit's clarity on money and human behavior. I'm left feeling inspired, and strangely empowered. I'm subscribing to netflix, just to watch this show. Thank you Mel and Ramit.
I'm on a journey of improving my financial intelligence and finding a few detailed and deep podcasts and book about economics. As aways, Mel, you've found a guest and approach that stick, is human and memorable. I've made a few important bullets, which is more than some of other podcasts, which I enjoyed and were interesting but not as actionable. Your desserts for friends observation is so great! I can relate. Being happy can also feature giving back. That's also where I want to be.
For a house, they don’t tell you about the phantom costs. They actuaLLY ALLOW THE COST TO BE 38% OF YOUR GROSS INCOME TO GIVE A MORTGAGE AND THEY DON’T REALIZE THAT PEOPLE MIGHT GET INTO MORE DEBT AFTER THEY PURCHASE THE HOUSE FOR THOSE THINGS LIKE REPAIRS, YARDWORK, ETC.
But he ignores that at some point mortgages end, renting doesn’t, that you pay utilities if you rent too, that if you rent someone else controls your living situation, which is very unstable and not at all a situation that creates a rich life.
Hi, Mel! It's your new friend, Kat. I just wanted to show some love and appreciation for the content you put out into the world/universe!! I've been letting TH-cam choose which videos play next after I select one. As, I'm a new subscriber & there's so much content I want to ingest! I am 43 & finishing my BA in psychology. As it's been a life time goal that I've thus far been thwarted from achieving by allowing large obstacles to knock me off my path. I've been a healer & LMT for the past 13 years & I know I can do more. But I struggle to set these very kinds of goals for myself. As my past traumas and learned behaviors and life hardships have allowed me to become unmotivated. Well, I'm tired of listening to the *naysayers* that *currently* reside in my head. Working on those evictions hardcore this year and facing some hard truths, hard challenges but with amazing resources like TH-cam, podcasts and people like you, it's the exposure people like me need to move in more personal cheerleaders. I want to be more like you soon in my journey to also help people figure out and manifest their best!
The truth is when you hear the word 'Money or Finances' your body literacy shuts down and your mind leaves the room. This episode was so calming I felt rich and successful already. The Netflix episode is a blast. It makes you want to change your money language and live your rich life. Thanks Mel, for bringing Ramit onboard. One of the best so far on finances. Love you.
I grew up hearing “ money doesn’t grow on trees “ and once I really wanted to go inside a new store just to look around & I was told - you can’t even afford to stand in the doorway of that store (I believed that too / that I had no right to even think about doing such a thing
My rich life is me allowing the sun to kiss my eyelids awake daily. It's an annual vacation in Europe for 21 days and visiting my favorite countries with someone(s) I love. It's buying my son a car so that he can get to college and work without the expense of Uber. It's making homeownership possible for my son. It's funding my son's entrepreneurial dream. It's learning to play the piano on a new baby grand. It's smiling ten times more than frowning in a day. It's being excited for the day versus being afraid.
❤ I needed this SO MUCH today!!! I’m drowning in debt & feel so alone (although I’m not) …. I need to see that beacon out there right now. I was started to lose sight of the positive things I have 💖 My visualization will be on fire 🔥 while I get my shit together, Mel & Ramit!!!!! 🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻 My Rich Life looks like treating my husband to a cruise for a couple weeks -taking care of some R&R for him for a change. 🥰
Loved this chat! My money dial is indeed a bit odd - it’s health / wellness treatments. That’s the number 1 thing that excites me most. We’re talking ozone therapy, infrared light, hyperbaric oxygen chambers, acupuncture, salt rooms - oooooh, it gets me SO excited 😆😜 There are so many spectacular ways to turn this dial up too!
Yes!! I have so much invested in health tools, any supplements, massages, and I can’t wait till I can buy any organic food I want, try tons of new healthy Restuarents 😍
Yes it sure did. I watch ur podcasts regularly and I want to go over this one and take notes. I literally feel like you're in my living room when I watch you. Your spirit is so filled with optimism and it is so contagious you are one of my mentors in my journey to pr9gress 2024. Thank you Mel. I love ur shows, love you too!!!! Super cyber hug ❤❤❤❤❤❤❤
Note to Self Numbers : 4 1. Fixed Costs : Home,Car,Utilities,Food,Phones, Debt Etc - 60% Take home income 2. Savings : 5-10% , 1-5 years money not needed / Emergency etc. 3. Investments 5-10% 4. Spend on yourself 25-30%
Financial professional here. These percentages are impossible for most people in the USA now with current prices. Run the numbers. If you purchased your home at least 10 years ago,have no debt, no children it could be possible. Otherwise only individuals in the top 20% of income can have all their fixed expenses at only 60% of after tax income.
Rich is going after what makes you happy . Not another persons dreams only yours and only For you . And the rest will flow . Balance in money and life . Waiting is loosing your most valuble asset .. your time ! Great great podcast !!! Life changing ❤❤❤❤
Thanks Mel. I honestly didn’t know who this guy is but I trust that you invite guests who you like and respect so only listen to him because you had him on. Thank you to Ramit to share about dreaming big and to Mel for summarizing why he was speaking this way.
It’s nice to relate someone from the same background. Knowing I’m not alone because some money situations etc I went through it also brought a lot of competition and racism involved all because of people pleasing. I needed this so I can shift my mindset. Our lessons and hard times truly do ring us to the best parts in life. 💕
Mel hi, i luv you're Podcasts, but the one about adhd really inspired me the most at the moment and I'll tell you why, with adhd i have such a hard time staying focused and I've been so depressed and I've been in disability for well over 10 years and i just want to get off disability.. it's too restricting kinda like adhd and I've been looking for remote work and it's so hard cause being out of work for 10 plus years i don't have experience in much..i luv to talk and i do have gifts and I've helped people with those gifts but when they're so many people out there giving gifts people bad names well people are not as trusting.. I've been scammed outta alot of money and I'm paying back that debt but disability pays once a month Amma$1000 isn't much to live on so i have to live with people just to try to stay afloat.. I like to think of myself as a spiritualist Christian and received the gold Holy ghost and you inspire me so much but with adhd I'm so fatigued asks tired all the time and i do try to keep my mind busy .i don't know if you can point me in the correct direction that u could try and find a remote job i would appreciate it.. thank you and God bless
The dessert thing hit home, my family was eating out and the restaurant had a GIANT TIRIMISU it was a lot of fun. And another thing my husband and I do is share a dessert and as it comes to the last bite he pushes it to me and then we each take a fraction back and forth until it can't be divided. It becomes a funny contest
I have attempted to meditate many times in my life and prior to this CD the only success I've experienced is with live guided meditation. th-cam.com/users/postUgkxzpa8CIfZcihW4Z0F_ja0QF3W9KIatrsq This is the first CD I've used that cuts through my unmedicated ADHD and enables me to truly relax and experience a quiet and energizing interval. The instructors voice is very soothing and pleasant to listen to. I am easily able to sit successfully through the entire CD, and for quite some time after. I cannot adequately express how tremendously helpful this CD has been on my spiritual journey!! Two thumbs up and 10 stars!
That was amazing. I really feel motivated! But what's more I feel rich! I'm living my rich life today and tomorrow it will be even richer! YESSS !!! Thank youuu !!! Btw so many greetings from Italy to you all
My big goal is to help my daughter walk again and use her left arm again. The rehab program for TBI that is near us costs $30,000 a month. Because she has had the injury since she was 15months old and is almost 13 years old now, 5 years of this program would be really valuable. That’s $1,800,000.
There's things to learn and appreciate on this episode on the other hand me and my husband have followed Dave Ramsey for years and have now been debt free completely for almost 5 years, we OWN everything we have and it is very empowering. Now we have the ability to bless others because of that. I pray the same for others as well. Be bless
Absolutely Loved this podcast. What I found extremely helpful is the step process he explained to have a healthy relationship with money. Thank you!!! Thank you!!
I literally had goosebumps! Wow. Love Mel’s revelation. She’s so amazing. Keep your fixed costs low, save and invest and ridiculously spend on guilt free spending. It’s that easy.
I never thought about money at all when I was young or in my 20’s. Barely noticed my bank statements and now I’ve gone the opposite extreme. I don’t find money talk boring at all. I love reading about money, and finding ways to budget or invest/save. Every day I’m rechecking balances and credit cards, etc and calculating what to pay off before I’m charged interest and how to do it! With that said, I still don’t spend or do much and feel poor! 😭
Great video. We are all seeking for financial independence and a better way of life. This is not difficult to achieve with savvy investing, a frugal lifestyle, and cautious budgeting. I'm glad I learned early on to work hard for financial independence. As Warren Buffet said, he has seen this happen many times in his life. Not an investor, My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $1.7M. We have never sold so much as one share of stock
Most people don't understand the power of compound interest or are just impatient. However, I think it's better for the average person to invest in the S&P 500 and wait, which is reliable, albeit extremely long: many years, or just hire an investment advisor and accelerate wealth accumulation. Most people underestimate the power of the latter.
That's right, I've been backed by a financial advisor for almost three years now, I started with over a hundred thousand and I'm just $19,000 away from making half a million profits from compounding and dividends.
There are a lot of independent advisors you might look into. But i work with "LISA ELLEN SHAW" and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.
❤ I'm liking your new guest speaker Ramit Sethi "What a tragedy to defer the rich life to a Mythical day" to working with tools to see money differently, with a new pair of glasses that see "I'm going to live my rich life today, and an even richer life tomorrow!" I paraphrased so don't quote me, but looking forward to working with the tools he shared.
Oct 17 2023; approx 930am, Bago Just saluting you Mel! I've watched countless episodes of you, and am convinced that we connect psychologically. What I love, particularly, is your determination to extract from your interviewee, or your prevailing message from a solo podcast is: what can a person do NOW & HENCEFORTH! Very often persons get caught in the loop of SHOULDA, WOULDA, COULDA, and become overwhemed with inertia then subsequently paralysed. Keep on being that Lighthouse and Beacon of Hope, continually providing alternative, empowering perspectives to those who have the courage to recognize that adopting a mindset-shift is the ONLY way to progress meaningfully. Keep up the great work! ;)
Mel, I love your story about the painting and have had several experiences just like this. I'm trying to integrate the principle to lead me to my desired state. Currently broke, but still claiming the feeling abundance of my future life of generosity and abundance.
Hello Mel, You have inspired me to change my life. My big wish now is to make your energy available to the German speaking audience. I can do both the translation and audio books. I am a big fan 😜
What a great idea! My German cousins (all born 1965 and later) learned English in school from an early age and could watch/listen to this without difficulty, but I am sure some of the older folks might not be able to follow as well.
How come I just learned about your podcast today? ❤❤❤ omg I'll be on this for days. Love your content and this video is just amazing, thank you so much for sharing. Abundance ❤
The conversation is more about psychology of money rather then the ways to get rich. But it’s important part on the path of getting rich eventually. I value Ramit Sethi’s views on money.
Hey Mel! Great interview! Can you tell your story of how you turned your life around financially and how you got out of your financial hole later in life. I wish that you could have Remit back with advice for people that are close to retirement and started saving late in life.. Thanks!
I finally find someone who thinks like me... I often times thought something was wrong with me for thinking like that 🤔 I love system too and function well with it... definitely will try those 4 steps.😊❤
Always been a bit of an overachiever so hubby and I are doing our 10th anniversary in France in June 2028 for our "10 year" plan in 5. He loves cars so we will go see le mans 24 hour and then go to Paris and Versailles because I love history and want to see Versailles and Notre Dame. I can't wait.
Buying a muffin in my early 20s sometime in the week. I lived on a cabbage black pepper for at least a month. 3 jobs. I walked to each from downtown. Later affording oatmeal. I had blankets on the floor of a studio apartment. I was raised, upper middle class. Investments, hard work all relative etc...
Mel….I really loved this particular topic and the opportunity to DREAM again! My only complaint if I can be honest, is that using the “F” word several times during the interview wasn’t necessary to make the points you were expanding upon. I understand that it may not be a big deal to some, but I play your podcasts as I get ready for the day and I have children in my home that are listening in. I think you are an amazing and courageous woman and I feel that you don’t need to use those kinds of words to make an impact. Keeping it clean allows me to relax and enjoy having other family members and friends listen in as well.❤ Happy New Year!
Yeah Mel’s guest was respectful about how he presented his information to a broad audience. I feel Mel is disrespecting me by using a crass and vulgar epithet- and it takes me out of the “moment” with her. She should have a bit more self control and respect for her audience (which include children and sensitive souls such as myself).
I came across this video last year and wasnt able to complete listening to it, and i did came back another day but still wasnot able to complete, but with determination and passion I came today, and successfully learnt many good lesson. Thank you soomuch for making such valuable content Mel, Luv u
The dessert thing from Mel was super cool. I love dessert and my mom always had several different kinds of ice cream in the freezer. I’m going to start doing that one. Especially when we’re out with family or friends ❤
I have read SO many interesting finance books in the past year....at least 10+ geared for Canadians. Most of what he's mentioning, I already knew and have done!
Hey Mel my name is Jon I’m a lot like you the same thing happened to me. Last year I fell in love with a woman that taught me this psychology. It didn’t work out and when she left I lost my security. I’ve spent 10months working everyday from when I woke up until I went to sleep to start a business because I knew I needed a business to be around other people like me. After all the hard work and months of fighting I have created something. I’m going to see someone today to see if they will help me. I’m a big fan Mel and if anyone hasn’t told you lately your a total babe. 😜 Always great to hear your content, Keep it up. Best regards, -Jon
OMG this is my spirit cast. YASSSSS I am not a budget person. I just wing and and am a generalist and it always works out. This is the story of my life reiterated in terms of college and finding my way financially.
This is law of attraction and visualization. I have a whole notebook where i write all of the things i want with no limit - mansions, travelling the world, cars, businesses, relationship, everything. It feels great to let yourself dream big. I realized how small i was thinking
This episode with @Ramitsethi genuinely made me think in ways I never had before. Hit the like button if your mind was blown 🤯like mine was!
Good stuff indeed! 😁
😅😊😅😅😅😅😊😅😅😅😅😅😅😅😅😅😅😅😊😅😅😊😅😅😅😊😅😅😅 25:53 31:16
Why are u keep interrupting him. Let him talk and don’t interrupt with long sentences. We want to listen to the man not you
@@regcrowder901037:12 37:23 37:23 37:24 37:24 37:24 37:24 37:24 37:24 37:25 37:25 37:25 37:25 37:27 37:27 37:27 37:27 37:27 37:27 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:32 37:33 37:58
@@regcrowder901038:22 38:22 38:22 38:22 38:22 38:23 38:23 38:23 38:28 38:28 38:28 38:29 38:29 38:32 38:32 38:32 38:32 38:32 38:32 38:32 38:32 38:32 38:32 38:33 38:33 38:34 38:52 38:52
Mel, I think it would be helpful if you include a picture of the person you're interviewing in your thumbnail. For one, it visually differentiates each video a bit more. Secondly, on the off-chance that someone doesn't follow you but they follow your guest, you've got a new listener/subscriber when your video pops up in their feed. It would also help to put their name in the title. All this to say, I really appreciate & enJOY your podcast!
Great points! Agree!
@@heidikamrath1951 Thanks! 🙂
So true. I was wondering who this gut is, now I know he is already famous. I just don't watch TV
We'll thank you on behalf of Mel since she's busy. 😅 hope she takes your suggestion!
Also, the name of the person should be in the video’s title.
My Mother once told me that I was very good with my allowance. Our allowance was $.50 cents a week! That was one of the best things she could of told me! My Grandmother once said “ nothing like making your OWN money as a Woman”! Thank you Mom & Nana❤
I can tell you that psychology of money is so real. When I was little our neighbor put in a beautiful pool and frequent outdoor parties that we did not attend, so I asked my mom if we could put a pool in. She told me the only reason they put that pool in was because her dad died and the life insurance paid for it. Not sure whether that was the truth or not, but ever since my subconscious told me that to have a rich life, unfortunate events needed to happen. Later, as an adult when my own father died the inherentance was used for a down payment. Subconsciously I felt so undeserving of that house that circumstances caused me to foreclose within 5 years. My whole life has been one financial struggle after another. I am grateful for this podcast episode.
I think I understand how you feel.
I 🙏🙌🙏 that your ideas and thoughts connected to $$$ are now healed, and you and your loved ones are now blessed with financial abundance!
Deep breath,
Let it all go ...
Breathe in the healing energy!
Take care ❤
This sounds as if you have experienced a genuine form of trauma clinically referred to as financial trauma or money trauma. Find an explanation that makes sense to you.
My first experience of feeling this was when I bought clothes for my kids at Target for the first time with my own paycheck. We had been living for so long off the generosity of others, which was such a blessing, but the feeling of being able to buy new clothes for my kids is a feeling I will never ever forget.
I completely understand you, I lost basically everything I had including my house and my 2 oldest kid, were very young and in the mist of everything I Survive a very, very difficult divorce, so, I was too in the mercy of others, and is been a long journey, but I never forget buying food from Olive Garden for my kids and seeing them so happy!! I believe there is more in store for you and your family.
It is a great feeling! Been there…. Congratulations! Stay on top of your dreams, don’t let anyone rain on them!
That’s beautiful and inspiring to read!
I've started to cry reading this. Hits deeply into my childhood
I learned something. Listen to the people who resonate with you and who can uplift your frequency. Last night I listened to Robert Kiyosaki, amazing man but the way he delivers is what gave me anxiety and it demotivated me. I felt like i ll never be successful or rich because I dont ve enough knowledge but when I listened to this podcast, I feel so motivated. I feel like yes! I can do it. If mel can do it, Rajit can do it, so can I . The way you guys relate to people are not there yet, its amazing
Hi Maria. I know exactly what you're saying about not being able to listen to someone because of how they are coming across even though you set your intentions on soaking up their information. It's frustrating to say the least. What I do is keep looking until I find someone else like Mel to explain it. Just thought I'd throw that out there. Have a great day💜🙏🌞🦋🌻
omg I have that problem with Robert Kiyosaki too! He is kinda scattered in the way he talks about things. It's not you..he could do a better job of explaining things. I think he speaks to people assuming they have already seen/read all of his content, so if you haven't..there's a lot that doesn't make sense.
@@laurieclarkson9180 all I hear him saying is become an investor, use others’ money but the question is how? No practical guidance at layperson’s level
I stop watching him ….
So on the same page Maria. Couldn’t resonate because it was general and talking in circles.
Good morning Mel…you once said on one of your podcasts that you read every comment, so I wanted to share this helpful concept as you continually strive to reach the vast in this world…
I believe you, and you bringing variety to help people in many areas of their life. And many times I would love to share your content, but what I have found personally is your choice of words can be offensive to some, and because you’re audience brings all kinds , it would be so helpful if you stayed neutral with some of your language. I am a believer in Christ and I can’t forward this information to other believers because they would be hugely offended by your “F” word often.
Your reaction may be it’s just language, Debbie… But I believe that words are powerful, and they have double meaning and we have to realize that our goal is to help everyone not just people who will not be offended by your language. I speak from the heart, and from a nonjudgmental Place but from one entrepreneur to another the saying, is you get more with honey than you do vinegar. From the bottom of my heart, I urge you to take that word out of your vocabulary when you’re talking to the world and you will touch more lives. ❤️🙏
I agree. I love both of their podcasts, but I don't always like the language. I can't play it in the car when kids are in. And some may say, "kids have already heard all that before!" And they are probably right, and that proves my point. They are ex[posed to seedy and bad language a lot, why don't we give them some examples that show some of us still believe in the power of words. Satan can't read our minds, but he can certainly hear our words. I don't wanna give him anything!
You’re not alone Mel! I saved nothing in my youth and now I’m 65 and still determined to live my most extraordinary life!
What is it that they say... when the student is ready, the teacher appears. You have no idea how much I need to hear this message today. Thank you for giving me back my ability to dream and to be excited about it!!
Almost 2 years ago, my marriage ended, 6 months after I lost my job. Since then I have immersed myself in anything that can help me create a better and expanded life. I deeply desire to create my dream life.
This episode has in it the most personally relevant, inspiring and practical advise I have gotten so far.
I am very excited about developing my 10 year dream list, doing my CSP and my GFFS (guilt-free f***ing spending) list.
This was a transformational piece.
Read the book of proverbs and psalms.👍🏽
You can do it! Stay on top of your dreams and don’t let anyone slow you down or tell you no!
@@sherryw3484very good advice ❤❤❤❤i love it .
It's a false pursuit.
@@marjn1030lol, exactly. You can't dramatically improve your life after a certain level of spending. It's a spiritual or relationship hole that needs work.
This episode gave me so much hope & inspires me to dream bigger! I had to start over at 53! Horrifying! Divorce, at beginning of a pandemic! I’ve been through so much alone the last 4 years , but proud of how far I’ve come & I’m stronger! Not near where I want to be financially but working hard & this has given me relief & hope! Joy about my future not dread! When you said I love you I almost started crying! 😢 I hear it from my friends & family of course but it just touched me! I know you are rooting for us all! 🙏💗
❤❤❤❤❤
Be encouraged!
This podcast was indeed Refreshing and Empowering!
And yes, something about that "I love you", turned out to be SOOOO immensely, intensely, and impactfully well received!!!
;)
❤❤❤❤❤
Starting over at 53! I get you. We got this.
You’re in the right place!!
When I was a child, I remember going to the beach and most of people in the restaurants were Americans. Me and my family didn’t have money, so while I was eating my watermelon y visualized myself going to those restaurants. Few years ago I went back and I invited my best friend to eat at a nice restaurant closed to the beach. I told him, you can order whatever you want ( it’s my treat). I ended up drank and singing with the musicians. My friend said “ the money they you spent on a dinner, that’s the money I make in a whole week of work. I felt great being able to invite my friend:)).
I have to have a budget. I do not have much money after all my monthly bills. If I spend too much on one thing, it could leave me without something else. I actually budget "blow" money. I can use it for anything I want. I do not go over. It has helped me so much.
Mel is salt of the earth, real. One of the few out there who cares about people's well-being. I recently discovered Ramit and like his approach. He's sincere and to the point. Love it.
Mel, thank you for stopping the chat, slowing down, clarifying, saying when you freak out and zone out. I did too, at exactly the same points. I would have left the video early, because of my triggers. I appreciate that you have been through the trenches, that you keep it real and relatable. Your approach made it graspable and doable, for me and I feel like this could actually work for me. Before, I felt guilty for every single purchase including basic groceries...now, my paradigm includes GUILT FREE FCKIN SPENDING!!! WOWZERZzzz!!! How did I get so lucky? Thank you both (and your teams) for your contributions! 🙏💥👌
Affirmation/mantra: "I haven't always been great with money, but now I'm learning."
Mel, you are speaking my language!!! This is amazing. I just shared it with my husband. I feel like I have financial hope for the first time in my life…at 55. Thanks friend!
When Mel talks about how hard she was hit with the debt when the liens on the house and family invested I just said a silent Thank you to the universe that she is still here. That would literally have killed anyone to be under that much stress. So blessed she overcame and can help us on our life journey.
Amen.
Mel is a strong cookie!!!!! ❤❤❤❤❤
Oh Mell, thank you for sharing this gift of desserts with us. My husband and I are celebrating our first anniversary this week and are going to a fancy restaurant in our area. He loves sweets and all kind of desserts. I’ve learned he bought me a gift. I’m not into gifts or giving. It’s just not me, but I’ve made plans to pay for the meal as my “gift”. I’m gonna add in desserts. .. several. It’s going to be such a special surprise for him. I love it. Thanks again for the idea.
This is the first time I am listening to this podcast. I am amazed by the host; she seems so bluntly authentic and is good at asking clarifying questions. It’s as if she knows exactly what I want clarity on.
A lot of psychological issues regarding money. That has to be dealt with first. This was a great podcast. Thank you.
❤
His positivity lead me to my credit and immediately payed them off during watching this. His mentality of deserve a rich life- made me aware I’ve been in this lack mentality of not wanting to spend the money I have. He also expanded my thoughts and wants for living my own rich life. He’s amazing !
that's what they say in INDIA, :) : you will go to heaven, keep living your minimalist lifestyle. so he knows psychology of money easiest way that's what you learn and see from family. financial freedom, money managements all from family
Mel 😭 I am in my car crying so much listening to your podcast. Thank you so much for being the authentic person that you are, thank you for sharing those wonderful interviews with us. You are giving us hope. Also, my dream is to become, as you do, a person who will have a positive impact on people’s lives. I am doing it today as I am a nurse but I want (and will) to do it in a bigger level Thank you for all the good that you do. With love❤❤❤❤ Sophie
Ramit is a national treasure. His free advice can definitely get people to a better place. I can't wait for Season 2 of his show on Netflix.
Wowwww….YES! A message I and so many needed to hear! Grew up in Nigeria with my parents as missionaries. As a success single professional, who also raised my children as a single parent for many years, with many struggles I STILL have this fear of not having enough money in the bank. I do spend and enjoy the wonderful necessities of life, but always wonder how my money can work better for me and my future. Thank you so much for sharing soooo many wonderful moments Mel!
I am 44 years old with 3 kids, and I dream almost everyday to go to college, I know it’s sound stupid in my age even to talk about this subject, but I just couldn’t help myself when you both we’re taking about dreams.
It doesn’t sound stupid. I am in my late 40s and want to go to college as well. Just take one class at a time…
Best of luck !
It doesn’t sound stupid at your age at all!! There are people who start studying in their 50s and get their PHD in their 60s.
You can go to college and you can finish at any age ❤
I believe in you guys
@@Ariana_Amour that’s true, thank you so much.
One class at the time!!! Love it.
Good lock to you too😀🙏🌺
@@samanthajoy5143 that means a lot to me every word!! I don’t think I heard lately that someone believes in me!!! Thank you so much very much!! 🧡🥰
@@Janice277 that is amazing!!!! Thank you so much for sharing that with me, with us all!! Be Blessed.🌺🥰
I’m newly separated from my husband and headed for divorce and my biggest dream is to make so much money that I’m not only comfortable, but that I won’t have to rely on any alimony from him
So shall it BE! ⭐️⚡️⚡️✨✨✨
@@successinsandiego ❤️🥰❤️
U can do it. I’ve been thru similar. No alimony. Work in sales w residuals income. Example life insurance sales. High income.
Or you could just not divorce him:)
@@90SwampfoxWithout going into details, staying married to him was no longer an option.
Just found Ramit last week- watched his entire Netflix show- this was great!! He makes me feel much hope to become more empowered when it comes to understanding money!! THANK YOU MEL AND RAMIT!
Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
I stopped trying to predict market outcomes based on chart studying after 5 years of uncertainty. Not having a mentor caused me 5 years of pain. I learned to follow the market's direction and keep it simple with discipline.
I won't pretend to know everything, though. Her name is Sharon Ann Meny but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.
@@hasede-lg9hj Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
@@hasede-lg9hjscammer. I am surprised there isn’t 10-15 more comments under this thread. Haha
I heard nothing from parents & knew nothing. I never thought about money & bought thousands of dollars of hair extensions, had big car payments. I bought my son anything & everything he wanted (like a $300 tortoise etc) Today I have older beautiful cars like 2004 BMW SUV & ❤ my older Jaguar both paid off 100% & have natural hair, do my own nails m, eat at home etc. Knowledge really is power! Thanks for another great video.
THIS IS GOLD! They should be teaching this at schools. I have had a very bad relationship with money where I spend without a budget, without looking at my finances... and sometimes landed in debt. This has made me feel more at ease and comfortable when dealing with money, learning to divide it into the 4 steps makes it less scary, more tangible and gives me more control over my life instead of going at it blindly.
Im 20 but im grateful im finally learning about money the correct way!
He said nothing. Really nothing. He said no budging then he makes a budget. Bs video
YES THEY SHOULD! And the reality of what things cost and how to get out on your own….
I love the action of buying every item on the dessert menu! It’d not about the money - it is the decadence, the exuberance, the community element if there’s a group at dinner!! 😀 I can’t wait to try this myself.
This conversation is a MAJOR GIFT ~ Thank You!!🙏🏽🙏🏽
1:02:20 says it all addressing the theme from so many financial gurus! It is refreshing and less heavy hear this perspective than the typical Dave Ramsey approach of "Beans and rice and rice and beans" until your debt is paid off.
This talk is pure gold. I've never heard anyone talk about money & finances in such a positive & refreshing way. Thank u Mel & Ramit ❤
My grandmother and grandfather raised me. My memory of 💰 Money, my 2 sisters and I split $150 A month to buy clothing for our selves. My grandmother told us, we couldn’t get anything extra because she didn’t have it. She stressed Poverty. She told me I had to Work when I was 14. Therefore, my teen years were a complete nightmare. So I’m working at 14, up until today, I’m changing the way I THINK about Money. I do not believe in the system that I was unfortunately brought up in. I felt robbed. For this negative mindset as a child, this carried on in my 20s and 30s. I am well aware it’s due to the fact that I grew up in a poverty mindset house hold. This will Stop TODAY.
Your grandparents sound like remarkable people. How lucky you and your sisters were to have that kind of love, especially during a time when they were likely planning on retiring.
@@julianneard9220 thank you for your positivity 🌎❤️🌹 they were AMAZING people, with huge hearts. God bless you. 🙏🌎Thank you. 🌎🙏
Hi Mel! I just started listening to your podcast’s and this one was so good 🎉 congratulations, great interview… loved it 🙌
Mel, you are so interesting, funny and creative but it’s just hard to listen to your excessive swearing, I bet you still can get your point across without swearing, would you take the challenge?
@@giselacooper413 They are just WORDS, they can't hurt you. I actually like when she drops an "f" bomb or uses another four-letter word. I feel it makes her real. It also shows her true passion. I am not a person that uses swear words consistently, but sometimes it's the only word that really works. I say, "Drive on, Mel! You are real! Keep up the great work! Please DON'T accept this challenge"
So awesome!! Thank you! I am super inspired and encouraged to take the actions that were talked about today. ♥️😀🙌🏼⚡️
I didn’t hear her curse once! Lol Did they bleep them out????
OMG!!!! Thank you both for coming together to break down these scary but simple concepts of rich life
Please, KEEP DOING more of it, bring the money conversations to "normal" people. Maybe yet in this generation we will bring these conversations and exercises to the primary schools; budgeting, saving, investing, dreaming, setting up systems!!!
THANK YOU!
I'm with you mel .. hear no evil see no evil.. party on.. survival living is energy draining!! I ignored so much for a short time and got myself in a corner. Ramit s financial perspective has changed my money flow.. I did have more than I thought even with the big debt. I see the light now,!!! And I started late with investments due to me ignoring my money perspective.. love it!!!
Mel and Ramit, I feel like I want to give you a big hug. This podcast was amazing for me. I had watched before Ramit’s Netflix show and I learned a lot. First thing I made after watching it was going to the computer and make a very simple financial planning. I had also watched Mel’s videos on TH-cam and I love them, because I learn a lot and practice my English. I feel like I want to take control of my money and dream about a rich life, thank to you. I watch you from Mexico City 🤗
Absolutely loved the conversation! No blame and shame here, only learning and support. We watched the Netflix show and bought the book! Also shared it with our children who are both at university currently. Many thanks Mel and Ramit. Your biggest fan from Singapore ❤
Was wondering if the show was helpful, did he give more useful tools? I will check it out.😁
Fabulous episode! I listened twice and am using the CSP and have told all 3 of my kids to listen and implement. They are 19,24,26 and this will change their lives! Thank you thank you thank you! So simple and such a huge benefit to, not only our bank accounts, but our spirit and our overall relationship with our finances.
This is one of the most relatable, understandable and encouraging conversations I’ve heard regarding our relationship with money. Will be sharing it with others for certain. Thank you both!
This is interesting. How does the advice work for people in their 60s or beyond who have long struggled with money, have debt, haven't saved adequately (or at all) for retirement and are scared and regretful? Is this exercise more for people in their 20s to 50s?
I guess the advice work for all age groups. Whether they're 20, 40 or 60. Linear thinking usually limits us. If we just look around more and more day after day we can change the vision.
Mel is so good in interviewing people and she really know what question do we have. especially those who are not yet in the status that we ought to be.
This talk gives me hope. After a crushing divorce, then a sudden cardiac arrest and all of the complications involved in that. I am in the shit atm and this has given me a starting point.
Thank you
Such an amazing podcast, best of all I should say. Thank you so much Mel for looking out for us and connecting to so beautiful people just to share all that knowledge through your podcast.
Glad most of the things I do related to finance yet it gave me a whole new view towards money and my connection linking to childhood.
Will be sitting n working on the guidelines this weekend.
Thank you so much once again and you have such a soothing voice which makes the listener so calm and enjoy till the end.
This is unbelievable! Thank you for having Ramit on your show. I am the spreadsheet guy that watches our money. This is one of the most freeing episodes I heard. Thank you thank you thank you!!!
Это видео конкретно поменяло моё восприятие по поводу денег, особенно тот момент когда он сказал что ваша богатая жизнь не обязательно должна быть похожа на богатую жизнь других людей! У меня аж мурашки по коже пошли от осознания смысла этой фразы. I’m very grateful for this video Mel! Thank you very much!
Loved Ramit's clarity on money and human behavior. I'm left feeling inspired, and strangely empowered. I'm subscribing to netflix, just to watch this show. Thank you Mel and Ramit.
I'm on a journey of improving my financial intelligence and finding a few detailed and deep podcasts and book about economics. As aways, Mel, you've found a guest and approach that stick, is human and memorable. I've made a few important bullets, which is more than some of other podcasts, which I enjoyed and were interesting but not as actionable.
Your desserts for friends observation is so great! I can relate. Being happy can also feature giving back. That's also where I want to be.
For a house, they don’t tell you about the phantom costs. They actuaLLY ALLOW THE COST TO BE 38% OF YOUR GROSS INCOME TO GIVE A MORTGAGE AND THEY DON’T REALIZE THAT PEOPLE MIGHT GET INTO MORE DEBT AFTER THEY PURCHASE THE HOUSE FOR THOSE THINGS LIKE REPAIRS, YARDWORK, ETC.
But he ignores that at some point mortgages end, renting doesn’t, that you pay utilities if you rent too, that if you rent someone else controls your living situation, which is very unstable and not at all a situation that creates a rich life.
Same situation with cars. Yes I had a six year loan. But I still have the car and now it’s 9+ years without a payment and minimal repairs.
Hi, Mel! It's your new friend, Kat. I just wanted to show some love and appreciation for the content you put out into the world/universe!! I've been letting TH-cam choose which videos play next after I select one. As, I'm a new subscriber & there's so much content I want to ingest! I am 43 & finishing my BA in psychology. As it's been a life time goal that I've thus far been thwarted from achieving by allowing large obstacles to knock me off my path. I've been a healer & LMT for the past 13 years & I know I can do more. But I struggle to set these very kinds of goals for myself. As my past traumas and learned behaviors and life hardships have allowed me to become unmotivated. Well, I'm tired of listening to the *naysayers* that *currently* reside in my head. Working on those evictions hardcore this year and facing some hard truths, hard challenges but with amazing resources like TH-cam, podcasts and people like you, it's the exposure people like me need to move in more personal cheerleaders. I want to be more like you soon in my journey to also help people figure out and manifest their best!
The truth is when you hear the word 'Money or Finances' your body literacy shuts down and your mind leaves the room. This episode was so calming I felt rich and successful already. The Netflix episode is a blast. It makes you want to change your money language and live your rich life. Thanks Mel, for bringing Ramit onboard. One of the best so far on finances. Love you.
I grew up hearing “ money doesn’t grow on trees “ and once I really wanted to go inside a new store just to look around & I was told - you can’t even afford to stand in the doorway of that store (I believed that too / that I had no right to even think about doing such a thing
Same here . Yesterday my mother said to me money doesn't grow on trees... and more
My rich life is me allowing the sun to kiss my eyelids awake daily. It's an annual vacation in Europe for 21 days and visiting my favorite countries with someone(s) I love. It's buying my son a car so that he can get to college and work without the expense of Uber. It's making homeownership possible for my son. It's funding my son's entrepreneurial dream. It's learning to play the piano on a new baby grand. It's smiling ten times more than frowning in a day. It's being excited for the day versus being afraid.
❤ I needed this SO MUCH today!!! I’m drowning in debt & feel so alone (although I’m not) …. I need to see that beacon out there right now. I was started to lose sight of the positive things I have 💖 My visualization will be on fire 🔥 while I get my shit together, Mel & Ramit!!!!!
🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻🫶🏻
My Rich Life looks like treating my husband to a cruise for a couple weeks -taking care of some R&R for him for a change. 🥰
Loved this chat! My money dial is indeed a bit odd - it’s health / wellness treatments. That’s the number 1 thing that excites me most. We’re talking ozone therapy, infrared light, hyperbaric oxygen chambers, acupuncture, salt rooms - oooooh, it gets me SO excited 😆😜 There are so many spectacular ways to turn this dial up too!
Totally relate.
Yes!! I have so much invested in health tools, any supplements, massages, and I can’t wait till I can buy any organic food I want, try tons of new healthy Restuarents 😍
Yes it sure did. I watch ur podcasts regularly and I want to go over this one and take notes. I literally feel like you're in my living room when I watch you. Your spirit is so filled with optimism and it is so contagious you are one of my mentors in my journey to pr9gress 2024. Thank you Mel. I love ur shows, love you too!!!! Super cyber hug ❤❤❤❤❤❤❤
Totally love, "I'm going to live my rich life today and an even richer life tomorrow." 🔥
Note to Self Numbers : 4
1. Fixed Costs : Home,Car,Utilities,Food,Phones,
Debt Etc - 60% Take home income
2. Savings : 5-10% , 1-5 years money not needed / Emergency etc.
3. Investments 5-10%
4. Spend on yourself 25-30%
Financial professional here. These percentages are impossible for most people in the USA now with current prices. Run the numbers. If you purchased your home at least 10 years ago,have no debt, no children it could be possible. Otherwise only individuals in the top 20% of income can have all their fixed expenses at only 60% of after tax income.
We love you Mel! You look particularly radiant on this episode! Thank you for all you do!
Rich is going after what makes you happy . Not another persons dreams only yours and only
For you . And the rest will flow . Balance in money and life . Waiting is loosing your most valuble asset .. your time ! Great great podcast !!! Life changing ❤❤❤❤
Love this episode!!! I will start a new relationship with money !!! Thank you both....😊😊😊❤
Thanks Mel. I honestly didn’t know who this guy is but I trust that you invite guests who you like and respect so only listen to him because you had him on. Thank you to Ramit to share about dreaming big and to Mel for summarizing why he was speaking this way.
It’s nice to relate someone from the same background. Knowing I’m not alone because some money situations etc I went through it also brought a lot of competition and racism involved all because of people pleasing. I needed this so I can shift my mindset. Our lessons and hard times truly do ring us to the best parts in life. 💕
Mel hi, i luv you're Podcasts, but the one about adhd really inspired me the most at the moment and I'll tell you why, with adhd i have such a hard time staying focused and I've been so depressed and I've been in disability for well over 10 years and i just want to get off disability.. it's too restricting kinda like adhd and I've been looking for remote work and it's so hard cause being out of work for 10 plus years i don't have experience in much..i luv to talk and i do have gifts and I've helped people with those gifts but when they're so many people out there giving gifts people bad names well people are not as trusting.. I've been scammed outta alot of money and I'm paying back that debt but disability pays once a month Amma$1000 isn't much to live on so i have to live with people just to try to stay afloat.. I like to think of myself as a spiritualist Christian and received the gold
Holy ghost and you inspire me so much but with adhd I'm so fatigued asks tired all the time and i do try to keep my mind busy .i don't know if you can point me in the correct direction that u could try and find a remote job i would appreciate it.. thank you and God bless
The dessert thing hit home, my family was eating out and the restaurant had a GIANT TIRIMISU it was a lot of fun. And another thing my husband and I do is share a dessert and as it comes to the last bite he pushes it to me and then we each take a fraction back and forth until it can't be divided. It becomes a funny contest
I have attempted to meditate many times in my life and prior to this CD the only success I've experienced is with live guided meditation. th-cam.com/users/postUgkxzpa8CIfZcihW4Z0F_ja0QF3W9KIatrsq This is the first CD I've used that cuts through my unmedicated ADHD and enables me to truly relax and experience a quiet and energizing interval. The instructors voice is very soothing and pleasant to listen to. I am easily able to sit successfully through the entire CD, and for quite some time after. I cannot adequately express how tremendously helpful this CD has been on my spiritual journey!! Two thumbs up and 10 stars!
That was amazing. I really feel motivated! But what's more I feel rich! I'm living my rich life today and tomorrow it will be even richer! YESSS !!! Thank youuu !!! Btw so many greetings from Italy to you all
Mel Robins thank you so much for your honesty!!
My big goal is to help my daughter walk again and use her left arm again. The rehab program for TBI that is near us costs $30,000 a month. Because she has had the injury since she was 15months old and is almost 13 years old now, 5 years of this program would be really valuable. That’s $1,800,000.
Look into hyperbaric oxygen treatment :)
There's things to learn and appreciate on this episode on the other hand me and my husband have followed Dave Ramsey for years and have now been debt free completely for almost 5 years, we OWN everything we have and it is very empowering. Now we have the ability to bless others because of that. I pray the same for others as well. Be bless
Absolutely Loved this podcast. What I found extremely helpful is the step process he explained to have a healthy relationship with money. Thank you!!! Thank you!!
Good interview with Ramitsethi. We learned important tips about
Handling money. Now I know how
To handle money wisely.😊
I literally had goosebumps! Wow. Love Mel’s revelation. She’s so amazing. Keep your fixed costs low, save and invest and ridiculously spend on guilt free spending. It’s that easy.
I never thought about money at all when I was young or in my 20’s. Barely noticed my bank statements and now I’ve gone the opposite extreme. I don’t find money talk boring at all. I love reading about money, and finding ways to budget or invest/save. Every day I’m rechecking balances and credit cards, etc and calculating what to pay off before I’m charged interest and how to do it! With that said, I still don’t spend or do much and feel poor! 😭
Great video. We are all seeking for financial independence and a better way of life. This is not difficult to achieve with savvy investing, a frugal lifestyle, and cautious budgeting. I'm glad I learned early on to work hard for financial independence. As Warren Buffet said, he has seen this happen many times in his life. Not an investor, My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $1.7M. We have never sold so much as one share of stock
Most people don't understand the power of compound interest or are just impatient. However, I think it's better for the average person to invest in the S&P 500 and wait, which is reliable, albeit extremely long: many years, or just hire an investment advisor and accelerate wealth accumulation. Most people underestimate the power of the latter.
That's right, I've been backed by a financial advisor for almost three years now, I started with over a hundred thousand and I'm just $19,000 away from making half a million profits from compounding and dividends.
There are a lot of independent advisors you might look into. But i work with "LISA ELLEN SHAW" and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.
Q
❤ I'm liking your new guest speaker Ramit Sethi "What a tragedy to defer the rich life to a Mythical day" to working with tools to see money differently, with a new pair of glasses that see "I'm going to live my rich life today, and an even richer life tomorrow!" I paraphrased so don't quote me, but looking forward to working with the tools he shared.
Mel I am a new fan and subscriber of yours. And I just bought a winning lotto ticket the other day after listening to your podcast with Jay Shetty.🎉
Oct 17 2023; approx 930am, Bago
Just saluting you Mel!
I've watched countless episodes of you, and am convinced that we connect psychologically.
What I love, particularly, is your determination to extract from your interviewee, or your prevailing message from a solo podcast is: what can a person do NOW & HENCEFORTH!
Very often persons get caught in the loop of SHOULDA, WOULDA, COULDA, and become overwhemed with inertia then subsequently paralysed.
Keep on being that Lighthouse and Beacon of Hope, continually providing alternative, empowering perspectives to those who have the courage to recognize that adopting a mindset-shift is the ONLY way to progress meaningfully.
Keep up the great work!
;)
I love Mel's transparency. This is what makes me enjoy listening to her.
Mel,
I love your story about the painting and have had several experiences just like this.
I'm trying to integrate the principle to lead me to my desired state.
Currently broke, but still claiming the feeling abundance of my future life of generosity and abundance.
Hello Mel, You have inspired me to change my life. My big wish now is to make your energy available to the German speaking audience. I can do both the translation and audio books. I am a big fan 😜
What a great idea! My German cousins (all born 1965 and later) learned English in school from an early age and could watch/listen to this without difficulty, but I am sure some of the older folks might not be able to follow as well.
Mel thank you. This was great. I never really look at my numbers. But it begins now. I going for my rich life. The sky I'd the limited. Thank you.
How come I just learned about your podcast today? ❤❤❤ omg I'll be on this for days. Love your content and this video is just amazing, thank you so much for sharing. Abundance ❤
The conversation is more about psychology of money rather then the ways to get rich. But it’s important part on the path of getting rich eventually. I value Ramit Sethi’s views on money.
Hey Mel! Great interview! Can you tell your story of how you turned your life around financially and how you got out of your financial hole later in life. I wish that you could have Remit back with advice for people that are close to retirement and started saving late in life.. Thanks!
I finally find someone who thinks like me... I often times thought something was wrong with me for thinking like that 🤔 I love system too and function well with it... definitely will try those 4 steps.😊❤
Always been a bit of an overachiever so hubby and I are doing our 10th anniversary in France in June 2028 for our "10 year" plan in 5. He loves cars so we will go see le mans 24 hour and then go to Paris and Versailles because I love history and want to see Versailles and Notre Dame. I can't wait.
Buying a muffin in my early 20s sometime in the week. I lived on a cabbage black pepper for at least a month. 3 jobs. I walked to each from downtown. Later affording oatmeal. I had blankets on the floor of a studio apartment. I was raised, upper middle class. Investments, hard work all relative etc...
Mel….I really loved this particular topic and the opportunity to DREAM again! My only complaint if I can be honest, is that using the “F” word several times during the interview wasn’t necessary to make the points you were expanding upon.
I understand that it may not be a big deal to some, but I play your podcasts as I get ready for the day and I have children in my home that are listening in. I think you are an amazing and courageous woman and I feel that you don’t need to use those kinds of words to make an impact.
Keeping it clean allows me to relax and enjoy having other family members and friends listen in as well.❤
Happy New Year!
Yeah Mel’s guest was respectful about how he presented his information to a broad audience. I feel Mel is disrespecting me by using a crass and vulgar epithet- and it takes me out of the “moment” with her. She should have a bit more self control and respect for her audience (which include children and sensitive souls such as myself).
I came across this video last year and wasnt able to complete listening to it, and i did came back another day but still wasnot able to complete, but with determination and passion I came today, and successfully learnt many good lesson. Thank you soomuch for making such valuable content Mel, Luv u
The dessert thing from Mel was super cool. I love dessert and my mom always had several different kinds of ice cream in the freezer. I’m going to start doing that one. Especially when we’re out with family or friends ❤
I have read SO many interesting finance books in the past year....at least 10+ geared for Canadians. Most of what he's mentioning, I already knew and have done!
Hey Mel my name is Jon I’m a lot like you the same thing happened to me. Last year I fell in love with a woman that taught me this psychology. It didn’t work out and when she left I lost my security. I’ve spent 10months working everyday from when I woke up until I went to sleep to start a business because I knew I needed a business to be around other people like me. After all the hard work and months of fighting I have created something. I’m going to see someone today to see if they will help me.
I’m a big fan Mel and if anyone hasn’t told you lately your a total babe. 😜
Always great to hear your content,
Keep it up.
Best regards,
-Jon
OMG this is my spirit cast. YASSSSS I am not a budget person. I just wing and and am a generalist and it always works out. This is the story of my life reiterated in terms of college and finding my way financially.
Thank you both very much. This was exactly what I needed today. You are both very much appreciated.
This is law of attraction and visualization. I have a whole notebook where i write all of the things i want with no limit - mansions, travelling the world, cars, businesses, relationship, everything. It feels great to let yourself dream big. I realized how small i was thinking
Great episode!!! Remit's perspective on finance blows my mind. I absolutely love Mel's honesty and the use of the f word!! My favorite word!!
Her cursing is a sign of deep , strong emotions to her discussions.
@@andrewzaltman6934 agreed!!
I find her cursing unnecessary-not very attractive on a successful woman.