My wife and I are working on her law school debt right now. $250,000 paid off in 23 months. $89,000 more to go. We are busting our butts! IT IS HARD. But you can do this!

@WinenChill

3 жыл бұрын

Wow you guys are doing a great job 👏🏽👏🏽👏🏽 We got this!

@thetruthsayer8347

2 жыл бұрын

I’m happy you. Men usually never seem to have a problem shouldering these responsibilities for the sake of our spouse. It’s unfortunate you rarely hear this happening the other way around lol.

My grandma used to say that ALL the time. What gets measured gets managed!

@WinenChill

3 жыл бұрын

Sermon Institute For Success Your grandma knows 💛

I did the exact same thing throughout and after pharmacy school. I started off my student loan journey at $200,000. Definitely should have started paying it off way earlier than I did, but like you said at least I started my journey. I am down to $70,000. Hopefully I will be done by end of 2022.

@haute03

Жыл бұрын

How are things going? Were you able to pay them all off?

“I’m laughing because I want to cry” 😂💀 I felt that. I owe $30,000 and my goal date to pay it off is December 2021

@WinenChill

3 жыл бұрын

😂😂😂 we will laugh cry all the way to to the finish line! Ha, we got this! And 1 million thanks to you for the budget template that I'm still using all these years later

@Sponsorship4u2

3 жыл бұрын

@@WinenChill I owe $100k for my Masters. I kept telling myself for this amount I should have gone to law school. Geez!!

@coachj1831

3 жыл бұрын

@@Sponsorship4u2 what are you getting your masters in?

@londonnoel7336

2 жыл бұрын

I guess Im asking randomly but does any of you know of a tool to get back into an instagram account?? I somehow lost the password. I appreciate any tricks you can offer me!

Delayed gratification on frivolous things is the best way to pay off student loan debt...

She said, '....and 17 triflin' cents!' 😂😂😂🤣😃😃😃

@WinenChill

3 жыл бұрын

Those 17 cents really irked my nerve 😅🤣

Love this! Thanks for the tips! My step 1 - I have a little over $100,000 that I'll pay down in about 5 years. We got this 💪

@WinenChill

3 жыл бұрын

Yes friend, we got this! Giant celebration party when we cross that finish line

That's why I'm starting out at a community college before transfering into UCLA or Davis. Four years of the college experience grows old, and living at home along with CC prices save a fortine. At my CC, a unit costs $50, and so I pay only $150-$200 for a 3 to 4 unit class.

@Fc9ers

3 жыл бұрын

Davis is expensive to live at. Many times community college is enough. What ever career you decide to pursue seek advice from people already in that field. Theyll save you bunch of money and time.

I absolutely love your channel. You are amazing! Thank you!

Excellent content! Paying off this student loan debt. The borrower is servant to the lender. New subscriber!

I love tip 5 and 6. I think I may need to increase the amount of my check going into the student loan account. Paying twice a month will also help me stop spending the money on something less important.

@WinenChill

3 жыл бұрын

Yes, if you want you can slowly increase the amount of your check allocation over a 6 week period so you don't feel it all at once 💛

Great tips! Wishing you all the best with your debt free journey.

@WinenChill

3 жыл бұрын

Thank you!

girl…your whole vibe is helping me through bar study rn 😹

It's crazy just a piece of paper will put you in debt just to learn...smh

@WinenChill

3 жыл бұрын

j smith right! I feel bamboozled 🤦🏽‍♀️😣

Fellow Attorney here with a similar amount owed in student loans. Great tips! I just subscribed:)

@WinenChill

3 жыл бұрын

Thank you! We can do it, one extra payment at a time 😅

I really like your style 😍 and i am a wine lover , so next time will grab a wine and watch 😊 Great tips 👍

@WinenChill

3 жыл бұрын

Aww I appreciate that 💛 Yes come join me!!

Thanks for sharing! I do hope a lot gets to see this video :) and i love your green top!!

@WinenChill

3 жыл бұрын

Thank you! It's my favorite work dress!

Great financial advice! Congrats on reaching your milestone

@WinenChill

3 жыл бұрын

Thank you! Can't wait until I'm debt free!

I have mad respect for you.

Great video!

Hey thanks for the video! Starting my first year of law school this fall 😬 Is there a reason you didn’t consolidate your loans?

Thank you so much for sharing! Currently in law school.

@WinenChill

3 жыл бұрын

Thank you for watching!

How is this not a scam? Like the price of tuition will just keep rising if people keep buying them and since the government is backing the student loans everyone will get them, so if 300,000 isn't a scam yet than what if the price after 5 years is 600,000? Is it a scam than? What about if it is 1,000,000 after 10 years - is it a scam than? Like I say that it has been a scam for a long time now.

Thanks for the tips. I plan to adopt your visual strategy by posting my list of loans up on my refrigerator. I have it all written down in my notebook but it would be a great motivation factor. Just reminding myself of my why. I owe $192,000. All student loans from my grad program. I plan to pay it off by 2022. I make a decent salary and have two other streams of income. So I plan to work hard until it is paid off. It's going to suck knowing how much money I could be living my best life with. But this is a temporary sacrifice. The reward will be sweet!

@WinenChill

3 жыл бұрын

Yess to enacting your plan 👏🏽👏🏽 Now that I’ve made a dent into my debt and only have 5 stars left (the biggest ones), I’m super glad I pinned it on my fridge. It picks you up when the debt fatigue sets in!

I love your channel!

@WinenChill

3 жыл бұрын

MissBoring thank you!

You know you have law school loans when you see that 7.21% and 6.84% and know which loans those are 😩 I have my excel too girl. We’ll get this done!

@WinenChill

3 жыл бұрын

Girllll 😩 We can do it! Have you thought about refinancing? Definitely going to refinance mine once the zero percent mandated interest is up!

@TheBohodiva

3 жыл бұрын

Wine n' Chill my financial advisor has recommended it. I’m hesitant though because if I’d refinanced earlier I wouldn’t have been able to take advantage of this zero interest because you no longer qualify for any of the government assisted repayment options. So I’m still just thinking about it. In the long run it makes sense.

I could use this set of tips since I'm set possibly on going to plan to go to school for a bachelor's of science in nursing should I need to take out student loan. Thank you! P.S. on the other hand, I did contemplate being a doc in Emergency medicine if I instead go to med school. We'll see. But may have to take out loans and im nervous.

Do you mind saying what law school you went to?

Nice! Great advice!

@WinenChill

3 жыл бұрын

Glad it was helpful!

@dafingaz

3 жыл бұрын

@@WinenChill definitely!

Which law school did you go to? If you don’t mind me asking, of course.

I did a lot of the same stuff that you talk about here while paying off a debt and can attest that it's the simplest way forward. I think the most important thing is you cannot let yourself think about it because yes you CAN find other uses for the money. you can ALWAYS find other uses for the money. think about it for even a second and you'll find at least a dozen other ways to spend that money! so you have to decide ahead of time what your monthly payment will be and every single month, the second the deposit hits, turn the brain off and make the payment and then log off and sulk as long and hard as you please. whine, kick rocks, take a shot, you sure do feel bad but you made your payment and that's what matters. I like the "pay every paycheck" idea too...when you have one "rich" paycheck a month, it makes the "poor" paycheck worse. lol. but then again some people may need to just rip the whole bandaid off at once so they only have to be so irritatingly responsible once a month.

Thanks! These were great tips, this felt like a student loan therapy session. Like my mom also said, sometimes you have to laugh to keep from crying.... Anyways, student loans = $40k , credit cards $25k... 🤦🏾‍♀️. I’m working on a plan.

@WinenChill

3 жыл бұрын

Thanks for watching! You’ve already conquered the first step 👏🏽👏🏽 let me know when you’ve finalized your plan!

"talk about it!" Heck yes!! I go into first debts like "Hi, how are you, I am currently paying off $87k in student loans" lol

I’m so sorry about your debt

do you have an update? would love to hear how it's going!!

@WinenChill

2 жыл бұрын

Yup, there's a student loan playlist where I give an update each month!

I never understood the advice to pay on the loans while you're in school. I'm literally taking out the loans because I can't afford school? There is no extra money to be paying on them!

At 6:20, my loan tracker is my mobile phone home screen. That way it’s always on my face punching me in the face.

@WinenChill

3 жыл бұрын

😂😅 this is a great strategy though

The gold star is awesome 💫💫😎😎

I want to see how to make a budget. I have a lot of student loans to pay off

@WinenChill

3 жыл бұрын

Fabian Taffe will add a budget video to my list 👍🏽

I'm on track for PSLF for my law school loans and am so close I can smell it. I'm hoping the government doesn't renigg. Womp womp. If they don't forgive it after the 120th payment, my backup plan is the lottery! 😉

@dianahartley-kim7109

3 жыл бұрын

In this moment PSLF is being approved by 3 months, it happened for me last month. And you will not be taxed now for what is forgiven!

Do you have a Twitter account where you give advice? Also, so I can tag you in one of your videos which I want to share.

@WinenChill

3 жыл бұрын

I don’t have twitter, but feel free to share the video 💛 I appreciate you asking!

@ThatULITouch

3 жыл бұрын

@@WinenChill I think a Twitter account could further help you gain more followers and viewers (if that's what you're after.) Maybe even help you pay off those pesky student loans quicker (which I, too, have) with the more views you'd garner. 😜Thanks for all the insight in the Kanye & Migos contracts! You're fantastic!

thats wild

@WinenChill

3 жыл бұрын

quite wild, the cost of law school is ridiculous

I'm paying until I decide to live overseas. Once I do that I probably won't pay anymore.

once you pay off the loans start a 401(k) and an IRA

@haute03

3 жыл бұрын

She already has and contributes to a 401k.

$128,507.83, August 31, 2025

This video is terrifying

I wouldn't marry a women with $300,000 worth of debt

@haute03

3 жыл бұрын

And you felt a need to share this information...why?