Invest Or Pay Off Debt (WHAT TO PRIORITIZE AND WHEN)

Based on what I learned from paying off $100k of student loans, here's the exact order of what I think you should prioritize, and WHY :)
**ATTENTION: I have a new Instagram and TikTok handle @itsrosehan **
That's my official account, and I will NEVER message you about investment schemes, so please be careful and block & report any scammers posing as me.
TIMESTAMPS
00:03:30 - #1 Save up a small emergency fund first
00:04:18 - #2 Pay off credit card debt
00:06:10 - #3 Max out 401(k) employer match if you have it
00:07:48 - #4 Invest $100 into a tax-advantaged investment account
00:10:00 - #5 Pay off ALL remaining debt except for mortgage
00:11:35 - #6 Last but not least, pursue your other saving & investing goals
__________
**BOOKS I RECOMMEND 📚**
I Will Teach You to Be Rich (hilarious how-to book on personal finance for millennials)
amzn.to/2VbJ1Pt
The Little Book of Common Sense Investing (Jack Bogle's classic advice on index funds)
amzn.to/32ewzjj
InvestED (step-by-step, millennial-friendly advice on how to pick stocks like Warren Buffett)
amzn.to/2SLTYpn
Unshakeable (this book = courage. blast ALL the fears & misconceptions you have about investing)
amzn.to/2SKyklt
Rich Dad Poor Dad (#1 selling personal finance book of all time... need I say more?)
amzn.to/2SJ6vtx
Think and Grow Rich (the ultimate book on money mindset and wealth consciousness)
amzn.to/37N2adc
________
**MY FAVORITE MONEY TOOLS 🖤**
YNAB (I literally can't live without this budgeting app, so obsessed)
www.youneedabudget.com/?ref=Y...
Wise (like Venmo but for international currencies - I use this app a LOT for my life in Mexico)
wise.prf.hn/l/413jE0q
Ledger Nano S (crypto storage hardware wallet, because "Not Your Keys, Not Your Crypto"!):
amzn.to/3Ne37jy
__________
DISCLAIMERS & DISCLOSURES ❤
This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Investing With Rose is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for your support!
__________
SAY HI ON SOCIAL! 👋🏼
Website: www.rosehan.com
Instagram: / itsrosehan
TikTok: / itsrosehan
Pinterest: / itsrosehan
• Invest Or Pay Off Debt...

Пікірлер: 938

  • @FinancewithArjun
    @FinancewithArjun4 жыл бұрын

    It's not always a math question as it a behavioral finance question. Debt repayment is a guaranteed payoff vs a variable payoff through investing. Being debt free is a goal in life and it gives you much needed peace of mind when you achieve it.

  • @geniusgenesect

    @geniusgenesect

    4 жыл бұрын

    Behavioral finance can work the other way too. I feel really guilty if I leave too much in savings or put too much in debt payment when I could be buying stocks. In fact I’m taking out margin loans to invest in stocks since the returns are higher than margin interest. I would feel guilty if I wasn’t taking every opportunity to maximize my returns.

  • @10MinuteTrading

    @10MinuteTrading

    4 жыл бұрын

    Yea! True

  • @LawNOrderHumanRightsUnit

    @LawNOrderHumanRightsUnit

    2 жыл бұрын

    Amen!

  • @JJ-dd8me
    @JJ-dd8me4 жыл бұрын

    When you learn a semester worth of a class in college in under 20 mins... Power of YT

  • @davidliang913
    @davidliang9134 жыл бұрын

    Debt can easily make us feel hopeless at times, but having a plan like this makes repayment quite feasible in most situations.

  • @lenapetrova

    @lenapetrova

    4 жыл бұрын

    David Liang - College Grad Finance I completely agree. Planning is a way to manage expectations and possibilities.

  • @CW-dc8ii
    @CW-dc8ii4 жыл бұрын

    I paid off all debt including my house here in houston. Considering all the craziness going on in the world now I’m glad I did that instead of investing other than in my 401k. May not work for everyone but I’m happy I did it.

  • @Escobar12b

    @Escobar12b

    3 жыл бұрын

    @@AHuth scam!!

  • @HensaStralem
    @HensaStralem4 жыл бұрын

    I'm literally sitting on almost $30k in cash, but don't want to splooge it all on paying off debts. Think I needed to hear this...

  • @lifeyang2

    @lifeyang2

    4 жыл бұрын

    I'd say it depends on how stable u r, & how much income you have coming in monthly. If income is slow, u should be careful. If fast & u r stable, u should pay off debt & then invest.

  • @nygrlinnv

    @nygrlinnv

    4 жыл бұрын

    I would have a hard time letting that go too.

  • @Escobar12b

    @Escobar12b

    3 жыл бұрын

    @@AHuth scammer

  • @scottthompson3493

    @scottthompson3493

    3 жыл бұрын

    I feel the same way, it’s a tough mindset for me to buy in to,

  • @cattywampusmcdoogle

    @cattywampusmcdoogle

    3 жыл бұрын

    If it was me.... I would keep 8k as an emergency, 10k thrown at debt, 5k in precious metals, 5k in dividend stocks with the drip option and 2k in food and water preps.

  • @MagnitudeMoney
    @MagnitudeMoney4 жыл бұрын

    Being in debt was the biggest source of stress I had and it was so freeing when I finally paid it off. Love the motivational moment here :)

  • @10MinuteTrading

    @10MinuteTrading

    4 жыл бұрын

    Same here!

  • @sweetpea_socal.
    @sweetpea_socal.4 жыл бұрын

    Debt repayment is like weight loss... You know you will feel better in the long run, but its so hard to start and stay motivated! But if you put your mind to it, it can be done! This is where Rose's Financial Vision board is so inspirational and motivating!

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @Freshman_FGC
    @Freshman_FGC4 жыл бұрын

    Glad to see that I came to the same conclusion as you with regards to this topic. I decided a while back that I would pay off all of my credit card debt first before I start investing.

  • @David-ds1bm
    @David-ds1bm4 жыл бұрын

    When you said you sat on $10k just sitting on savings and didn't pay off outstanding debt because you thought you might need it...that is LITERALLY me hahahaha...call it impulse, but I just bit my tongue and paid off one of my credit cards lol :) I think seeing this video today at 8 pm est was not just a coincidence. Thank you Rose for popping up on my recommendations. The universe works in mysterious ways, I shit you NOT.

  • @Hikingmonique

    @Hikingmonique

    4 жыл бұрын

    I did the same thing! After watching this video I paid off one my student loans ($11k) out of my savings account I've been sitting on. I feel great to see my overall debt amount is lower and can see that end goal of $0 is near.

  • @cancel.lgbtq.6892
    @cancel.lgbtq.68924 жыл бұрын

    Just like Dave Ramsey always tell people. Pay off your debt first before you start investing. Interest alone will rob your future wealth. Keep up great works and congrats on that 100k debt!

  • @geniusgenesect

    @geniusgenesect

    4 жыл бұрын

    I disagree because debt has made me richer. I graduated with no debt but I take out as much margin loans as possible to buy more stocks. It has made me more money than if stayed debt free and invested on cash only.

  • @cancel.lgbtq.6892

    @cancel.lgbtq.6892

    4 жыл бұрын

    @@geniusgenesect When your parents back your education. Your investment doesn't really count ~

  • @geniusgenesect

    @geniusgenesect

    4 жыл бұрын

    Why would it not count in that case?

  • @christiandelapena8623

    @christiandelapena8623

    4 жыл бұрын

    @@geniusgenesect you are an arrogant buffoon.

  • @stevengeorge1204

    @stevengeorge1204

    4 жыл бұрын

    Lol, I'm loving this. But for real its best you have an investment, when it comes to crypto, with 300usd worth of bitcoin, I make over 5kusd in a week through the help of Prof. Gerald. With such profit, gradually all debts will be paid.

  • @ItsSupafly2U
    @ItsSupafly2U4 жыл бұрын

    THANK YOU FOR THIS! I just hit $1000 on my Emergency Fund today and I have been trying to figure out my next step. I knew it needed to be debt but I wasn't sure where to start. You have helped me alot. Appreciate you!

  • @yukon9315
    @yukon93154 жыл бұрын

    "You will get your eyes gouged out with interest." Best. Quote. Ever. Lol Love it

  • @10MinuteTrading

    @10MinuteTrading

    4 жыл бұрын

    LOL! :D

  • @morerice4767

    @morerice4767

    4 жыл бұрын

    My thoughts exactly lol

  • @ZachSchieffer
    @ZachSchieffer4 жыл бұрын

    "Over the last decade, almost every type of debt has risen significantly" *Dave Ramsey intensifies*

  • @johnryder9755

    @johnryder9755

    4 жыл бұрын

    I recommend a very good specialist Michael Gibbs who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 9 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.

  • @yettymcinerney5640

    @yettymcinerney5640

    4 жыл бұрын

    I usually pay cash for stuff I buy. however i have quite a bit of debt due to my low income, how is that viewed when applying for a credit card. My credit score is constantly on a roller coaster and now severely suffering because my cousin has not been paying her monthly note as expected and myself has been skipping few bills. I applied for an American Express card, the application was denied. Though I had one many years ago, and I used it to pay my minor expenses on time. This is the second time that I get denied. I have been monitoring my score and now I have My credit score at about 610 but I needed it to be upgraded for a CAR loan, just last month I saw a review on Facebook about this Credit repair Experts who helped a lady to boost her credit score. I took his contact(Mark@creditpatchup.com) and mailed him asking him if he can help me fix my credit, Expectantly it was fixed and raised to 760, still on my way to 800 golden score and all my debts has been rolled out as well all in less than 2 weeks. I urge everyone in need of credit help/advice to look them before giving them a try just like I did.

  • @nicholaslasala6286
    @nicholaslasala62864 жыл бұрын

    "Debt is the status quo". That is so true in America! It is completely normal for people to live in debt almost their entire lives. That needs to change! I felt so accomplished when i finished paying of my student debt last year. Great tips, awesome video!

  • @10MinuteTrading

    @10MinuteTrading

    4 жыл бұрын

    AGREE :)

  • @KefkaTheDeathJester
    @KefkaTheDeathJester4 жыл бұрын

    Honestly thank you for this information. Definitely feel better after knowing of a actual plan I can personally take towards better wealth so thank you again Rose!

  • @thaonguyen-qm2lw
    @thaonguyen-qm2lw4 жыл бұрын

    Can't tell you how much I appreciate all the knowledge and advices you shared. Getting addicted to listen to your voice too 😄. Thanks Rose!

  • @driven2success-investingfi609
    @driven2success-investingfi6094 жыл бұрын

    Yayyy! And she’s back with another banger😍 Never clicked a video so fast✅

  • @fbafreedom2393
    @fbafreedom23934 жыл бұрын

    Great advice! It can quickly become overwhelming when you have several financial goals and you don't know which one to prioritize first. It's also challenging to decide how much to set aside and invest when you are running a capital intensive business! Being informed is the best way to become one step closer to financial freedom 🙂

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @easymoney4030
    @easymoney40304 жыл бұрын

    Having a plan is key! It helps focus energy. No plan is a plan to fail after all. Great vid!

  • @10MinuteTrading

    @10MinuteTrading

    4 жыл бұрын

    Yea! So true!

  • @Freshman_FGC
    @Freshman_FGC4 жыл бұрын

    Rose you read my mind! I've been struggling with this topic for a while now and it's awesome that you made a video about it. I kept telling myself that I should pay off debt first but I can't wait to see what you say in this video (I'm commenting before I watch it). Thx for your weekly videos and as always, I'll look forward to your future videos on Wednesday's.

  • @taoist32

    @taoist32

    4 жыл бұрын

    Marth Frost Another way is to increase income and income streams first. Making money comes before paying off debt. Any extra income will help offset any debt no matter how large. I advise anyone to start a side hustle or two. Your job can be your main income generator, while side hustles can be used to pay off debt. Easier than relying on just one income. After debt is paid off, side hustle money can be used to increase investments. And your investment income can be used to pay off rent or mortgage. Better security through working a few income streams than just one.

  • @EdgarVenzor
    @EdgarVenzor4 жыл бұрын

    Great info, I'm kinda new to all this and I felt like I was spreading myself too much trying to invest save and pay off debt. Like you said though the 401k has been a boost. I'm 25 hand have almost 12k in it, not much but enough to get going. Time to get that emergency fund going and pay off that debt hard.

  • @srudz
    @srudz4 жыл бұрын

    really looking forward to the next video, Rose! I'm in my 30s, debt free, maxed my Roth, and have a nice emergency fund-- I really want better ideas on what to do with the extra (that's currently just sitting in a savings account)...

  • @landenkeffer4481

    @landenkeffer4481

    4 жыл бұрын

    Sarah, hopefully you’ve got that savings in a high yield account!

  • @rachaelv1140

    @rachaelv1140

    3 жыл бұрын

    That is awesome you are in your 30s and debt free. I should have all consumer debt gone by 30. Invest in your future. Investments grow quicker than savings.

  • @adonismachado4842
    @adonismachado48424 жыл бұрын

    I could listen to you all day. Great video. I agree with you 100%

  • @hotchocolatefitness
    @hotchocolatefitness4 жыл бұрын

    it's always good to stay on track with goals and I'm switching things up due to this video. I'm pay off my smallest debt right now and it feels damn good.

  • @bobbiwilliam6811

    @bobbiwilliam6811

    4 жыл бұрын

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  • @jsxproid
    @jsxproid4 жыл бұрын

    Great advice... like your content.

  • @lnvestingwlthrose5973

    @lnvestingwlthrose5973

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose5973

    @lnvestingwlthrose5973

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @JLRodriguez405
    @JLRodriguez4054 жыл бұрын

    I just paid off my debt, best investment ever!

  • @cfont4939
    @cfont49394 жыл бұрын

    Thanks, Rose! Just paid off my credit card!

  • @Rachel-fx3fy
    @Rachel-fx3fy3 жыл бұрын

    I just read Rich Dad Poor Dad and Total Money Makeover - this was SO helpful - helps put them both together. Thank you SO SO much.

  • @Jazmin-mb7ju

    @Jazmin-mb7ju

    3 жыл бұрын

    read millionare fastlane as well:)

  • @Elle-jf1fr
    @Elle-jf1fr4 жыл бұрын

    Girl, YOU are the best. Thank you, thank you, thank you for making the videos we all need. Esp. women! I wish I knew these things when I was 18.

  • @briankelly1240
    @briankelly12404 жыл бұрын

    Personal finance is just that, personal. Though you do well on showing what some beat practices are, thanks :)

  • @cashmonyz
    @cashmonyz4 жыл бұрын

    Great video Rose! Trying to pay off this mortgage and car payment in the next 4 years debt free 2024!!!

  • @iamredventure
    @iamredventure4 жыл бұрын

    Wow, Rose. Thank you so much, I really appreciated your critiques in this one. I’ll keep working on it 😤

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @lenapetrova
    @lenapetrova4 жыл бұрын

    First we should pay off debt, then create a safety net by building savings while starting to invest. 👍🏻❤️

  • @hmmichael438
    @hmmichael4384 жыл бұрын

    Made my own debt plan. Car will be paid off 19 months early in November. Will start investing in the brokerage account after that and paying more on the mortgage.

  • @jarrett7774
    @jarrett77743 жыл бұрын

    Great stuff Rose. This is practical advice and I'll be applying it to get rid of my $6,000 of debt within a year. Thank you!

  • @michelleignacio8180
    @michelleignacio81804 жыл бұрын

    I love your financial advice Rose. Thanks for sharing this!!

  • @JustineCarissa
    @JustineCarissa4 жыл бұрын

    Thanks Rose! I have my car loan left. And this was a question I've been thinking about since I have a Roth IRA and a 403B with my employer. I really want to pay off my car this year!

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @kopiko1950
    @kopiko19504 жыл бұрын

    Currently on my journey to becoming debt free! Thank you, Ma'am Rose for always reminding me to be consistent with my goal ☺️🙌

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @AntoniusLeo
    @AntoniusLeo4 жыл бұрын

    Insightful. Thank you, Rose !

  • @tothediaspora3905
    @tothediaspora39054 жыл бұрын

    The recap was great Rose. Thanks!

  • @7up835
    @7up8354 жыл бұрын

    Congratulations you have 173,000 subscriber, I'm one of them. keep up the great work. God bless stay safe.

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @JadeTrading
    @JadeTrading4 жыл бұрын

    Congratulation on becoming debt-free! You deserve it 🙌

  • @DahlFreeman
    @DahlFreeman4 жыл бұрын

    Your videos are amazing, thank you so much for what you do!

  • @MayaJade-kd7lq
    @MayaJade-kd7lq2 ай бұрын

    This was the video I needed to stop hoarding my student loan payment. Thank you 🙏🏽

  • @bryansproles2879
    @bryansproles28794 жыл бұрын

    I was steadily paying off debt up until the market crashed a few months ago. At that point, I started throwing ALL extra cash into the market, and I'm glad I did. I've maxed out my 2019 Roth (as you already know 😅), and I'm still investing into 2020, but at a lower rate. I'll be putting more money into my debt now.

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @masonsteve9140
    @masonsteve91404 жыл бұрын

    Investment is totally not worth it if it's not generating enough profit return. I see no need to invest when the profit turnout over long run is still not enough to cover up for losses

  • @steveliamcason7785

    @steveliamcason7785

    4 жыл бұрын

    You can actually do both at the same time. With a little capital you can start investing and gradually increase your capital

  • @saeedomar8304

    @saeedomar8304

    4 жыл бұрын

    You just had a wrong view and perspective about investment. Investment can be very profitable if only you get in touch with the right personnel who can help your account portfolio grow effectively

  • @masonsteve9140

    @masonsteve9140

    4 жыл бұрын

    @@saeedomar8304 your point exactly?

  • @saeedomar8304

    @saeedomar8304

    4 жыл бұрын

    I suggest you get an account manager who you could invest with and grow your account effectively

  • @saeedomar8304

    @saeedomar8304

    4 жыл бұрын

    I started investment with my account manager. Experts Mrs Joan Reynolds. And over a short period of time I was able to pay off my dept.

  • @mooncosmicpower2956
    @mooncosmicpower29562 жыл бұрын

    Thank you so much for this Rose! This really has helped put things in order for myself! Much appreciated!

  • @michaelwong2793
    @michaelwong27934 жыл бұрын

    Awesome advice Rose, thank you!

  • @robertha
    @robertha4 жыл бұрын

    I had bad spending habits, the past 6 months, I went on self lockdown (before the country lockdown) and focused on debt and savings. Now I am auto debt free (which would have been finished in 2.5 years on regular monthly payments, I paid a lump sum). I have 10 months of emergency + living expenses fund and just started a Roth IRA with investments in VTSAX. Feeling good RN

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @marcoinvesting5339
    @marcoinvesting53394 жыл бұрын

    Call me crazy, but the intro sounded like Rose calling out Graham and Jaspreet. :-)

  • @lnvestingwlthrose9917

    @lnvestingwlthrose9917

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support,account management and how to enroll on the master class inbox me privately using a text request to.👇

  • @lnvestingwlthrose9917

    @lnvestingwlthrose9917

    2 жыл бұрын

    Plus One* Eight One Three Seven Zero Four Zero Seven Four Six. ✅✅✅

  • @Xmj202
    @Xmj2023 жыл бұрын

    Great video. Thanks for showing the bank rate calculator. It is incredibly useful

  • @noblepond15
    @noblepond153 жыл бұрын

    THANK YOU. There's so much advice and information out there and this video really helped clear up what I need to do to get started. Much appreciated!

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @Bamperz
    @Bamperz4 жыл бұрын

    I felt like you were talking to me

  • @Ling-vz3ue
    @Ling-vz3ue4 жыл бұрын

    Pay off debt first before investing anything.

  • @vincentortega4284

    @vincentortega4284

    4 жыл бұрын

    Totally agree Ling, that is my plan now. Once all debt is paid, use all those funds to invest. Take care, Ling.

  • @alecgalbraith5604

    @alecgalbraith5604

    4 жыл бұрын

    Disagree. If you have a mortgage with a tiny interest rate, why pay it off early when you can easily beat the rate in the market?

  • @quentononeal5570

    @quentononeal5570

    4 жыл бұрын

    Did you watch the video at all? She never said that.

  • @alliebakes9173
    @alliebakes91733 жыл бұрын

    ive sent an entire day watching your videos!!! this year has been rough, but im finally finding a footing and income!! im in a pretty good situation and i feel itll be easy to get out of debt and then start investing after listening to you!!! so happy to have learned about betterment. excited they do checking as well bc i have been looking for a new bank!!! thanks for all your research, pdfs, and insight!!

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @gpark6050
    @gpark60504 жыл бұрын

    You know honestly, I watched this video as soon as I finished work and sincerely absolutely loved it because I have scouting for getting my debts off and this video was amazing. Seriously good work. Appreciate that you sharing your story. Thanks a ton Rose. Have a good one.

  • @lnvestingwlthrose5973

    @lnvestingwlthrose5973

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose5973

    @lnvestingwlthrose5973

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @Freddyyyy266
    @Freddyyyy2664 жыл бұрын

    Anyone investing right now is definitely on a path to mental breakdown. It’s not as easy as these people claim it is.

  • @Drhuntley

    @Drhuntley

    4 жыл бұрын

    I beg to differ. This is the perfect time for investors. Use the volatility to your advantage to earn more. I was this close to ruining my portfolio. Thank you Payden.

  • @Donnierra

    @Donnierra

    4 жыл бұрын

    For me, as soon as I started getting my returns from my investments under Payden, I went ahead to adjust my portfolio to place larger bets.

  • @Baptisizm

    @Baptisizm

    4 жыл бұрын

    I never take the stock market serious. It’s gambling disguised as investing.

  • @brodericks7391

    @brodericks7391

    4 жыл бұрын

    The last time the economy got hit badly, Alec made sure I steered the course and benefited from the market crash.

  • @alasdairruthven3106

    @alasdairruthven3106

    4 жыл бұрын

    Fabricio Jimenez you can’t put stocks and gambling in the same sentence. If you feel that way about the stock market, then you must have been doing it wrongly.

  • @AaronPetrovsky
    @AaronPetrovsky4 жыл бұрын

    The FED "Debt... you ain't see nothing yet" 😂

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @jasonscott3788
    @jasonscott37884 жыл бұрын

    Thank you so much for all your content.

  • @brendasanchez8432
    @brendasanchez84324 жыл бұрын

    As soon as I finished watching this video I paid off 3,000 in credit card debt. I've had the extra money in the bank for about a year! now I know it was a huge mistake!!! only 2,500 of credit card debt to go. Thank you!

  • @michelleignacio8180

    @michelleignacio8180

    4 жыл бұрын

    I’m thinking about doing the same thing.. kind of nervous to use my extra money though 😫😫😫

  • @Alexis-wh2de
    @Alexis-wh2de3 жыл бұрын

    I'll never understand people who consider a credit card to be their emergency fund. If you don't have $1000 you certainly don't have $1400.

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @elpasomyk
    @elpasomyk4 жыл бұрын

    I finally have enough money invested to pay off my debt.

  • @otovborunor9925

    @otovborunor9925

    4 жыл бұрын

    Have you decided on what you are going to invest in?.

  • @elpasomyk

    @elpasomyk

    4 жыл бұрын

    Otovbo Runor I should’ve rephrased. I have money invested that has turned profitable. Enough that I can actually pay off debt.

  • @johnryder9755

    @johnryder9755

    4 жыл бұрын

    @@elpasomyk I recommend a very good specialist Michael Gibbs who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 9 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.

  • @BeatsAudio17
    @BeatsAudio174 жыл бұрын

    Rose this channel is awesome thank you so much for teaching us. Deserves millions of subscribers!

  • @itsrosehan

    @itsrosehan

    4 жыл бұрын

    Thank you so much 😀

  • @t0kieo
    @t0kieo4 жыл бұрын

    Thank you, seriously, thank you! These were the things I needed to hear and I am so glad to have found your channel!

  • @lnvestingwlthrose2574

    @lnvestingwlthrose2574

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose2574

    @lnvestingwlthrose2574

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six*. ✅✅

  • @GrowYourWealth101
    @GrowYourWealth1014 жыл бұрын

    I wish you all the best and I hope you all achieve your Dreams! Mine goal is to rech 250k till end of the year. Cheers Jannis Roth - Grow Your Wealth! -

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose1113

    @lnvestingwlthrose1113

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @chinwendun6401
    @chinwendun64014 жыл бұрын

    My portfolio has grown tremendously, i continue to make huge profit with my broker Mr Paul Stanley

  • @themoneyguyshow442

    @themoneyguyshow442

    4 жыл бұрын

    Mr Paul is consistent in making huge profits.

  • @jaysoncasper7056

    @jaysoncasper7056

    4 жыл бұрын

    What is the manimum and how can i reach him?

  • @chinwendun6401

    @chinwendun6401

    4 жыл бұрын

    @@jaysoncasper7056

  • @UshnicYuvnikof

    @UshnicYuvnikof

    4 жыл бұрын

    His intriguing strategy cuts down losses and ensures winnings, Mr Paul Stanley is a genius.

  • @jenniffergarfield8163
    @jenniffergarfield81634 жыл бұрын

    Pay off high interest debt asap. The interest will put you behind every month. I definitely agree with the points you made. I decided to cut back on my IRA temporarily to wipe out my debt first. I should have the CC paid before the end of summer ($4k left)!

  • @AFulfilledLife
    @AFulfilledLife4 жыл бұрын

    This is awesome stuff, thanks Rose!

  • @maximumvio1et677
    @maximumvio1et6774 жыл бұрын

    I generally love this advice, but given the rising job losses due to COVID-19, why wouldn't you recommend having a larger savings account over throwing money at debt? It seems like a lot of people may end up needing that money for basic living expenses over making more than the minimum payments on loans (agree on having no credit card debt, only what you can pay off immediately).

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @georgepowell7309
    @georgepowell73094 жыл бұрын

    Bitcoin still remains the future,and the best investment to do

  • @pinned7286

    @pinned7286

    4 жыл бұрын

    Exactly!

  • @pinned7286

    @pinned7286

    4 жыл бұрын

    Buy Bitcoin today

  • @moonlambo4677

    @moonlambo4677

    4 жыл бұрын

    I think now is the best time to start investing in crypto rn

  • @pinned9781

    @pinned9781

    4 жыл бұрын

    Yes especially with the current increase

  • @pinned752

    @pinned752

    4 жыл бұрын

    Bitcoin trading is a legit way of making money online

  • @ryanjamesr_
    @ryanjamesr_3 жыл бұрын

    This is exactly what I needed to hear

  • @kaf890890
    @kaf8908904 жыл бұрын

    I’m so glad I found your channel. I am new to investing and need lots of advice, and your videos have been great! This is such a strange time (2020) to be investing. I sure appreciate your help. Thanks!

  • @KudiratMojeed

    @KudiratMojeed

    4 жыл бұрын

    I have taken my time to read several reviews and decided to do some investigation about some of them; I can strongly say that Michael Gibbs is the right person to work with. He is the best and really good in boosting credit score and increasing credit card limit. He helped me increase my credit score to +800 (excellent) and increased my two credit card limit to $19,200 in less than 10 days. He also helped erase all negative items on my credit report within few days, His works are fast and affordable compare to others. Email him directly today 'Gibbs@creditpatchup.com' if you desire an excellent credit score in this pandemic year. LOL!

  • @PierceJordan
    @PierceJordan4 жыл бұрын

    Excellent video! Very important to know what to prioritize over what when it comes to personal finance!

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @MikeYJGi
    @MikeYJGi4 жыл бұрын

    You are the noona that no one wants but everyone needs

  • @manu-mp7rd
    @manu-mp7rd2 жыл бұрын

    I've contemplating of whether to pay off my debts or invest then I bump into this channel anf it totally change my mindset. Thank you for creating this content. It really help me a lot.

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support,account management and how to enroll on the master class inbox me privately using a text request to.👇

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @jettgalindo
    @jettgalindo4 жыл бұрын

    Lol, I was hoping you'd cover this topic. Thanks!

  • @Pandamonium626
    @Pandamonium6263 жыл бұрын

    I recently decided I'm going to try and pay off my vehicle within the next 12 months. I crunched the numbers and it's very doable in my current financial situation. Once it's paid off I'll be saving $307 every month. I eagerly await the feeling of that debt being off of my shoulders.

  • @ebalida
    @ebalida4 жыл бұрын

    Great video, thank you so much !

  • @lilyglass9765
    @lilyglass97654 жыл бұрын

    Great information! I'm at the debt-free stage, and you are right it does feel great. Looking forward to your next week's video. Two thumbs up.

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @henlywind
    @henlywind3 жыл бұрын

    You are a rock star Rose! Thank you for your videos!

  • @henlywind

    @henlywind

    3 жыл бұрын

    @Investing with rose that would be awesome! Thank you!

  • @joelrflores
    @joelrflores4 жыл бұрын

    Solid information!!

  • @scottmalcolmson4584
    @scottmalcolmson45842 жыл бұрын

    For the one step back, I try to think of it like, you're not stepping back, you're setting up for a running star!

  • @realJeffrence
    @realJeffrence4 жыл бұрын

    I needed to hear some of this. Thank you for reminding me of my priorities!

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose7429

    @lnvestingwlthrose7429

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six*. ✅✅

  • @jdrgamerjdrgamer1462
    @jdrgamerjdrgamer14624 жыл бұрын

    Goodstuff your portfolio update video helped me alot keep it up 👍!

  • @samiraport
    @samiraport4 жыл бұрын

    Another great video. It really helps :) Always assures my decisions or gives amazing advice!

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @duncanball9299
    @duncanball92994 жыл бұрын

    Best finance channel on KZread!

  • @dexterk7463
    @dexterk74633 жыл бұрын

    This video is great and definitely what I needed. Trying to juggle too many things at once but I really want to be debt free

  • @lnvestingwlthrose2574

    @lnvestingwlthrose2574

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose2574

    @lnvestingwlthrose2574

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @xBloodXGusherx
    @xBloodXGusherx4 жыл бұрын

    Thank you for making this video. Getting rid of debt has been a task of mine for years now and I needed this fire lite under my ass to do it! Thank you.

  • @fififinance7469
    @fififinance74694 жыл бұрын

    Thanks Rose - I had a video on this when assessing mortgage debt, and whilst some advocate paying the small debt first.. I still feel that if you are on a path to pay down debt then paying off the highest interest rate debt first is the cheapest way to reduce the debt... but your point about focus is very well received :)

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose4269

    @lnvestingwlthrose4269

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @fredswartley9778
    @fredswartley97784 жыл бұрын

    Great video! I think paying off debt should be the first priority before investing. It allows you to save and invest a lot more money.

  • @dodyssey
    @dodyssey4 жыл бұрын

    Great Advise Rose, Thank You. Dave Ramsey also gives the same advise too along with his baby steps program . I look forward to many more of your video's.

  • @lnvestingwlthrose5604

    @lnvestingwlthrose5604

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose5604

    @lnvestingwlthrose5604

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅.

  • @RambleOnEmu
    @RambleOnEmu4 жыл бұрын

    You're awesome 👏🏼 thanks for making these videos

  • @RambleOnEmu

    @RambleOnEmu

    3 жыл бұрын

    @Investing with rose sure thing 👍🏼

  • @taketime0626
    @taketime06262 жыл бұрын

    I’ll never get out of debt. Can’t even get to the emergency fund step, because it just seems like there is one emergency after the next ...... ughhhh. I’m 51 now and it’s hopeless. I’m only here for my grown kids.... learning soooo much. They ask me for help with 401k and investing, which I really don’t know about. Your videos are awesome and will really help them. I’m so glad my kids are so interested in investing and such at ages 21 and 22!!!!!! I have watched many videos and yours are the best!!!! Thank you for sharing your knowledge.

  • @OrganicFreedom
    @OrganicFreedom4 жыл бұрын

    So true! These steps helped me achieve financial independence!

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @FerrariKing
    @FerrariKing4 жыл бұрын

    There are many good investing and financial channels but you are by far the best.

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @rosalitalyn
    @rosalitalyn4 жыл бұрын

    You are helping me so much, thank you Rose!

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose3038

    @lnvestingwlthrose3038

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @DrSteeleable
    @DrSteeleable4 жыл бұрын

    The Debt Snowball, my favorite...awesome vid!

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Thanks for watching.! The support is very much appreciated. For more guidance on stocks to invest in, clearification tips, support and account management inbox me privately using a text request to.👇

  • @lnvestingwlthrose6319

    @lnvestingwlthrose6319

    2 жыл бұрын

    Plus One* Eight* One* Three* Seven* Zero* Four* Zero* Seven* Four* Six* ✅✅

  • @LittleNicky007
    @LittleNicky0074 жыл бұрын

    Thanks you to Rose 🌹 and Congratulations to Rose 🌹

  • @808daimo
    @808daimo4 жыл бұрын

    Oh goodness 😂 your intro sentence hit all the points 👀 📺

  • @jemellee
    @jemellee2 жыл бұрын

    i feel like i've been on step 2 for the longest time D: but if i'm on the right track, then i just have keep keep moving forward