In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

@CraigLloyd-fz6ns

4 күн бұрын

If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.

@KarenLavia

4 күн бұрын

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

@jones9-

4 күн бұрын

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?

@KarenLavia

4 күн бұрын

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

@EddyAgnes-vy4kp

4 күн бұрын

I checked Melissa up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@DIANNE-g

20 сағат бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@Mavisb-

20 сағат бұрын

@@DIANNE-g However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@DIANNE-g

20 сағат бұрын

@@Mavisb- Oh please I’d love that. Thanks!

@Mavisb-

20 сағат бұрын

@@DIANNE-g Judith Ann peace is her name

@Mavisb-

20 сағат бұрын

Lookup with her name on the webpage.

It’s Caleb Hammer with less yelling.

@Qu1nt_travels

18 күн бұрын

and less s*x jokes too

It would be awesome to have her come back to the channel after 6 months to show progress.. that would be motivating.

Why she has Spotify AND Apple Music?

Let me make sure I understand how these student loans work. She has 77k in debt, so at 5% interest that would be $320 in interest alone every month. Her minimum payment is $32, so if she only made minimum payments her loan balance would be increasing by about $288 every month?! no wonder people never get them paid off.

@donaldlyons17

6 ай бұрын

Well but if they pay the max they can afford the loan should get cheaper IMO!!!

@Dragonologist

6 ай бұрын

​@donaldlyons17 Why should the loan get cheaper? If you agreed to the terms and conditions, why should the terms change? Both parties agreed on the amount to be loaned and paid back. You have no argument. Pay your debts.

@JmasterPullmizter

6 ай бұрын

Aw yes the female version of child support.😂

@HaviccB

6 ай бұрын

​@@Dragonologisthe meant the principle goes down each month..

@handleyobusiness

6 ай бұрын

@@Dragonologist You right and that’s why people shouldn’t borrow money… the agreed upon terms are often one-sided in favor of the bank. But a deal is a deal.

We need a Dave Ramsey group for those of us with income under $20 hr. I have a degree in business but no one has been hiring other than call centers (& even that isn’t hiring this year)

@chattingman6777

5 ай бұрын

Get a job in the government. They are the best employers in all 50 states. Try local state and federal.

@mandypdx

4 ай бұрын

Have you looked at hospitals? We have 1000s of people with the title admin assistant who make good money, with good benefits. I started at 45k/yr and i’ve more than tripled my income in less than 10 years (I took advantage of tuition discount to get my MBA) - health insurance is paid for with max out of pocket at $1,250/year. And they put 12% additional into 401k (that accoubt is over $400k without “me” contributing- i have a separate Roth IRA that i co tribute to). Note, i work for a university hospital :)

@ItsMrLee

2 ай бұрын

I don't have e a business degree but have my own small business and have been running businesses for people since around 2012. Do you just have a degree? Any experience? Might need to go get some smaller business under tour belt with an owner you personally know to get your experience for a year or 2 first. Could easily ask for 20 but even if it's less just do it for a while to get what you need

@rachaelnuchols764

13 күн бұрын

I have worked at a hospital and still there, been there for over 15 years, I only make 36,000 year. Take out taxes, insurance etc. I now have a 2nd job. I do what I gotta do.

THANKS. Just what I needed to watch. My wife and I got a 400k HELOC from our 780k primary home which we are still paying a mortgage for. I want to only use 200k for this new duplex down payment. I realized that the secret to making millions is making better investments and staying out of debt. I'm grateful to GOD for the internet space, we were able to join the credit repair program, we payed up our debt and now we are back to being the administrators of our farming business and our own properties, as well as small pensions. 1 am almost 56, my wife is 52. We have started saving for retirement from the farm and maybe live off rental income, I would really appreciate it if you would do a video on how to earn using Airbnb and retire comfortably.

@AnniePickford

4 ай бұрын

This is exactly how I wish to get my finances coordinated ahead of retirement.

@AnniePickford

4 ай бұрын

You talked about a "credit repair program" how do I join? I took out a 200k heloc from my primary home 2 years ago which I'm still paying....I find it challenging to invest elsewhere because I'm still paying the mortgage and I got bills. to pay.

@jeffclifford5731

4 ай бұрын

"Laura Gilbert CFA " is the licensed fiduciary 1 use. She lead me to join the program, Just research the name you'd find necessary details to work with a correspondence to set up an appointment.

@AnniePickford

4 ай бұрын

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get.

@jeroldstokes6065

4 ай бұрын

Why no one talked about this program when I was in debt

77k student loan debt and making 18 an hour is crazy. falling for the broken education system

@gracecase998

6 ай бұрын

She got two useless degrees is the problem. She does seem to be getting her stuff in order. Too bad she wasted money on those degrees. She is lucky her sister is helping her with living situation.

@andrew8168

5 ай бұрын

​@@gracecase998too bad? She got to party hard.

@giantpune

Ай бұрын

@@andrew8168 Lots of partying going on with those kids getting ministry degrees.

I was so excited to see this because it matched my situation exactly until she said she didn’t pay for her living expenses like rent and utilities. I don’t have the luxury of having someone to pay for my situation. Can we do someone that has low-income, large student loan debt, and pays for their own expenses.

@joshhutchins6747

6 ай бұрын

One thing that I don't think was mentioned and is rarely mentioned even when it's a desperate situation like that is just look for support programs. If you have low wages and high debt, look for assistance where you can get it. The one time I've seen it suggested on Caleb Hammer's channel, the person was too proud. So they valued pride over their future basically.

@GardenMinistry.

5 ай бұрын

That's why a lot of young people still live with their parents, with debt like this I definitely would stay in order to bring the debt down, it's a temporary sacrifice. There's also the help that comes from your spouse. A year after getting married, my husband and I used Dave Ramsey's debt snow ball to completely pay off both my student loans and my husband's credit card debt, and that was over 13 years ago. I am a stay at home mom now, so we are just a 1 income household, and we are on the last baby steps 🎉🎉🎉

@kbthegoat824

5 ай бұрын

​@@GardenMinistry.being able to stay with your parent is not a sacrifice it's a privilege. Other less fortunate folks are obligated to help their parents

@stephaniehernandez9479

5 ай бұрын

​@@GardenMinistry.I unfortunately was put into a position where I had to buy the house I was living in or I'd be homeless. I was given 3 days notice from my dad, he had decided to take out a title loan using the house, that we needed to pay $5k in back pay or the police would be involved. It sucks paying to live in a home that has no freedom and goes way over my budget

Please y’all, don’t get ministry degrees if you can’t pay in cash or get scholarships/grants. You won’t earn enough in ministry to pay the student loans back effectively, and you shouldn’t get student loans anyway. There’s an abundance of available, FREE, information to learn the Bible and ministry. You can find a mentor. You can find more affordable ministry courses. You can take so many avenues without having to be buried in student loans.

@robertsprague3981

5 ай бұрын

Yeah, my jaw dropped when she said she paid 77k for a “ministry degree”…I know there’s significantly cheaper routes she could have taken for that. 🤦‍♂️

Alicia, it will be ok. It's been 3 years since we have cut our credit cards. It feels so amazing. We will never go back to consumer debt! Trust the process. All the best!!!

@turtleanton6539

5 ай бұрын

Yes indeed😊

@sarahjardin

3 ай бұрын

Same! You can do it Alicia!!

@deborahperkins7109

7 күн бұрын

Thank you for posting a kind and supportive comment. It’s staggering to see how many people come to the comments to bash people who are struggling and/or people who made mistakes or not the best choices. 🙂

I am South African so I don't even know Capital One but that shout out totally killed me😂😂😂😂

I love this simple, clear , compassionate counseling session. As a retired CPA, I can’t help but point out that the $600 side hustle will will require 25 to 30% taxes. Keep up the good work. ❤

@tyleralexander5976

6 ай бұрын

Even at her income? For a cash dog sitting business? Idk man...

@FaithWolper802

6 ай бұрын

Yeah. I hear you. But ALL income is taxable unless specifically exempt. There is no minimum and he is suggesting over $600 a month. That’s not insignificant especially over a year. I’m not saying it’s fair…

@dlproductions9574

6 ай бұрын

@@tyleralexander5976 it most likely isn't an actual "business" she is just doing it personally, which means it is personal income. it would be counted against her tax bracket. 25-30% may not be accurate, but it is still going to be taxed at whatever her income bracket is taxed at

@alittlepieceofearth

11 күн бұрын

I do door dashing. If I keep track of the mileage and manage to earn $1/mile, @a deduction of 0.655/mile, your taxes are minimal or even non-existent.

I feel like it’s great she’s able to do this but this is completely unrealistic for most peoples situations when it comes to living expenses. I’d love to see someone making what she’s making with rent and or a mortgage still paying off debt.

@taylorbarnard4880

6 ай бұрын

Thus the importance of avoiding unnecessary expenses, useless consumer debt and getting off on the right track!

@Olivia-2019

4 ай бұрын

Everyone’s situation is different, there is never a one size fits all budget. Some people have two incomes, some live in a high cost of living area, some have kids or medical issues. But when you look at each situation I’m sure you can find a solution for yourself

@EmilyGloeggler7984

4 ай бұрын

@@Olivia-2019Not all can. Please do your research thoroughly and don’t make broadstroke false assumptions.

@ItsMrLee

2 ай бұрын

​@EmilyGloeggler7984 wow you're negative as fuck have fun with whatever you're doing.

Your mention of the spam commenters is hilarious!!! It's so funny and scary how many scam comments there are on EVERY category of finance related youtube videos.

I love how you sat down with her, and went through the whole debt, and budget on screen.

George is awesome. Ramsey not so much….🇺🇸

This was like watching a really polite Caleb Hammer.

@arod191

6 ай бұрын

😂😂😂 but also true

I have “I quit!” arguments with Dave Ramsey from your perspective when I shower on an almost daily basis. Please relieve me from this stress and leave his show. You deserve it, George.

@austinpeterjohn569

6 ай бұрын

Correction: you’ve EARNED it

George I’m laughing so hard at you mentioning the scammers! I’m so glad you did because I think some of your audience may be susceptible to those scams. Thanks for calling them out loud and clear for those that may not know.

That’s how family should be. Good job sister! Rooting for you Alicia!

Thank you Alicia and George!!!! George I want to see Alicia on the Ramsey show shouting at the top of her lungs!!!! "I'M DEBT FREE THANKS TO GEORGE"!!!!!!!!!

Cc and loans really give you the American dream. Interest and payments wakes you up.

I am so proud of her! Way to go Alecia!!!!!!! Stay the course!

More of these, please!! I'm not in debt, but struggle with budgeting.

Damn I have 27k in student loan debt and fell like crap. Couldn’t imagine 77k. I’ll be able to tackle my student loans after I finish my car note in the next couple months.

I’m just gonna say can we get more of these! 💕 it feels relatable kinda!

Love this! So practical!!!! Thank you! ❤

love this video!!

thanks for the video GK

That was the biggest mistake of her life getting a ministry degree and a masters in ministry. Good lord.

I'm rooting for you girl!!

Way to go girl!! 🎉🎉🎉

Thank you Shayna! You’re an angel!

Alicia, thank you for sharing your financial picture. I hope you make time to look for a higher paying job. You’re well educated, and you can do it! Just apply, apply, apply! As you make more, keep the same low/cost lifestyle, use the extra earnings to pay off ur debt. And bless your sister for helping you soooo much. Do right by her❤. Good luck!

Shayna, you’re a good sister for keeping your sister financially accountable and of course, helping your sister out.

We need to see more content like this. This is great!

That was awesome. So brave. It will only get an easier longer run.

Please do more of these! This is great and very informative!

Excellent idea! I love real life examples! 👍👏

We’re rooting for you!!!

Your channel breaks it down to relatable points. It helps that you sneak in the short clips that are so witty!

Great video more like this please

Ok! This is a great way to conduct this show. Having live examples is helpful.

It would be cool if you made a series of this!

Great walk through of the EveryDollar budget tool with a real person/budget. Thank you George!

George, you are great. You have a talent for this kind of show.

This was awesome George! Really enjoyed this type of video.

GREAT video--thank you! You've got this Alecia!

You are amazing Geroge! Get those people out of debt. It's all about a system you follow and time.

more time should be focused on why there is $70k in student loan debt and why isn’t her income reflecting all that education? the real hero is the sister here, she’s the one basically helping to pay down the debt by forgiving housing expenses, that’s the sacrifice here. I’m glad she has a good attitude and she is getting support now but hopefully she will be smarter about future decisions.

great video, love to see more like this. Thanks Don

Loved this format!

George, I ❤ this video! This is so inspiring! I ❤that she followed up! Please have her come back to check in. I’m rooting for her! 🤩

One of my favorite videos so far!

This is the true Financial Audit we need, someone calm and collective who's optimistic like Graham Stephan and not pessimistic like Caleb Hammer (who also exploits by enticing others to buy a $300 course). This year after watching some Caleb Hammer but more of Graham and George, I paid off my $8k credit card debt and now Im just down to my car loan of $31k which is definitely within my budget. I'm proud to say as a 26 year old that these people are truly gods people, after credit card was paid my credit went up to 807, I currently make a little over 6 figures and I only have one debt now. With less debt I was able to open a high yield savings account on top of my current savings account too. It's possible just some sacrifices will need to be made.

Cool concept! Hope to see more of these.

She's lucky she at least has decent interest rates on those student loans, mine were far higher but worked 1,000 hours of OT and paid them off in about a year... but I only had half her amount. Props to you George for helping someone and props to Alecia for taking those crucial first steps to wealth independence!

Ugh I needed this!! I was doing amazing for 2/3 of the year and recently slipped. Just needed a refresh. Thank you George and Ramsey team!

This is amazing, thank you George, for all your advice, it's definitively life changing.

loved the fake bot call out!

Congrats to the young lady! Thats huge!

I really liked this video!

I love this format George. Thank you for the details on what this debt free life looks like for people getting started.

Love all of your videos George but this is gold. More of this please!

An awesome video!! So specifically helpful. Have to share with my son. 😊Thank you!!

Love the channel George, especially the street interviews where you keep a straight face at the answers.

Its really good to see that she is heading down the right path.

Caleb Hammer!

Yayyy I’m so excited for this!!!! Been waiting for more one on one time with people who want to follow the Ramsey program! ❤

Good job cutting up that card!!! So proud of you! 👏

This video is such a cool idea you should do more of these!

This was extremely helpful! Love your videos. Baby Step 2 myself .

Good one!

You should do more like this 😊

This is now my favorite Dave Ramsey series! Thanks George for making this fun yet informative! God bless you and your family

George, can you do a video on safe withdrawal rates at retirement? Specifically the math behind length of retirement and different withdrawal rates?

Love this!

Best channel in the whole Ramsey brand!

Loving the new format!

This was super helpful to watch! Thank you both.

I had $67k in debt making $16 an hour. 3.5 years later, Im now 2 months from being debt free!!! The key to how I did it? Put my fluffing head down to take classes outside of work to change careers to now where im making $28 an hour, live frugally by not overspending on the major life expenses like apartment/car/eating out, and there you have it Its possible, people. Just accept the position you're in (THAT YOU PUT YOURSELF IN most likely), put your big boy/girl pants on, and take care of your shit

A7 chord 😂😂😂… very good George lol

Wow George, great job! What is the screen you have connected to your laptop.

@GeorgeKamel

6 ай бұрын

There’s an iPad on the wall for video calling, and my laptop is separate just to look at the budget.

So good!!!! 👏🏼

George i would love your help with a budget!!

Love this content! More of this please and follow ups 🎉

Why get into debt for a useless degree ? Getting a second job could easily paynoff that credit card debt

@barexampasser

6 ай бұрын

I got a useless degree and my starting salary is 82k lmao. Middle management FTW

@barexampasser

6 ай бұрын

27k debt. I’ll be able to pay it off in 1-1.5 years, and I’ll have the degree for LIFE. seems like a good deal to me

@jamilladiallo1321

6 ай бұрын

@@barexampasser .I did not say all degrees are useless.I was referring to the person' s individual case, where that degree is pretty much useless

@jeremiahm1413

5 ай бұрын

@@jamilladiallo1321 "follow your dreams and passions.... .....Into debt and hopelessness"

@giantpune

Ай бұрын

Talk to all the baristas at starbucks. Spending $70k for a feminist dance theory degree, minoring in coloring book scribble interpretation. Then want to act shocked that there's no job listings for people with their degree.

Congrats to Alicia!!!

Congrats young lady, you're off to a great start: You'll never find a better landlord than family, you've got a great work ethic, you're working in a business that attracts wealthy people to network with, and you're learning how to become financially independent. Stay focused and you'll be a baby steps millionaire.

Extremely helpful thank you More 🙏 please more more ❤❤

Alicia don't give up on yourself and your sister and most of all George!!!!!! You can do this!!! You have a very supported system in place!!!! work it!!!!!!!

It's Financial Audit, but calmer. I like it!

@ses-ei7oc

6 ай бұрын

Yaaasssss

I really like the show. It's the Student Loan debt 😩 I hope she keeps up with the plan to get out of debt

That was awesome we need more videos with this content

@lesterhochstedler

6 ай бұрын

Hey George thanks for the great Chanel

Love seeing you branch out, please keep trying new things that keep the channel fresh

George, you should bring back Dave Ramsey's Plasty Awards. That would be so fun!

Thank you for allowing us to see the breakdown. This was a great video!!!

This is really helpful to understand how Every Dollar works. Thanks for bringing in a real live person with a real life paycheck to manage life with!