Should You Do This When You Get Paid?
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Пікірлер: 208
Thanks for the feature Rachel! You're awesome 🙏🙏
@Evolutionism-Growth
Жыл бұрын
Saving lives man
@safeword_whiskey
Жыл бұрын
MM the come up!
I agree with his $2,000 emergency fund. A thousand bucks barely buys you a few weeks of groceries anymore, let alone buying a fridge that breaks down, a car repair that has to be made, etc. 1k just doesn't cut it anymore!!! But your advice is very much appreciated Rachel!
@WatchMeLearnIt
Жыл бұрын
My groceries cost $125 a week. What are you buying at the grocery store for $1000???
@TheEllaTB
Жыл бұрын
@@WatchMeLearnIt If you have several children to feed you would understand her comment 🙂
Give my money away first, before my emergency fund is funded? That’s like putting on the oxygen mask for the person next to you before your own…I love the idea of helping, but if you’re not solid yourself. You may find yourself needing help.
@christinal3041
Жыл бұрын
That’s my biggest problem, giving my money away al the time before I think my self
@mimi-ny1wq
Жыл бұрын
and we all are already giving away $ - TAX - which is funding the social welfare programs.
@MrUGA2010
Жыл бұрын
Yes indeed, unless you’re Dave Ramsey!
@shafaraday7916
Жыл бұрын
Yeah exactly. I can give other ways. Example my time.
@michaelcarter266
Жыл бұрын
I don’t give if I am at risk of being the charity since the best thing you can do for those in need is to not be one of them. Once I have my emergency fund and what I need for the month then I give.
We love Jaspreet! Let him know…BELOW!
@paulzy5192
Жыл бұрын
I heard him yelling the world "BELOW" as I read this comment!!😁🤣
The “giving” part is deducted automatically through federal/ state tax etc.
@michaelcarter266
Жыл бұрын
Agreed
@jonsmith9728
Жыл бұрын
She’s referring to either charity or tithing, nothing to do with taxes
@thorneto2742
Жыл бұрын
@@jonsmith9728 Your taxes are going towards social programs to help the less fortunate, its a form of mandated charity.
@shaunmccubbin7173
Жыл бұрын
If it’s forced, it’s not giving
@justinlarmore8784
Жыл бұрын
@@shaunmccubbin7173 tithing is a requirement to avoid eternal damnation. It’s not giving? I give my taxes to avoid eternal incarceration.
I always give first when I get paid. Give to my emergency fund, bills, and family needs that is.
@LetsDoItOldSchool
Жыл бұрын
Spot on!
@jonsmith9728
Жыл бұрын
She’s referring to either charity or tithing, each person has their own lot to figure out
@LetsDoItOldSchool
Жыл бұрын
@@jonsmith9728 The first thing to do is NEVER to give away money. First of all, sort yourself out, then you can give.
Minority Mindset is great and one of my go to’s
Debt snowball for the win! I first tried the "logical" avalanche method paying off the higher interest rate items first- epic fail! Once paying off the smaller debts that gives more money to apply to the next debt. Immediate wins.
I love Jaspreet! Listen to him and the Ramsey show all the time. They are my two mains.
@yodaflyz
Жыл бұрын
Me as well!
@PhilipMarcYT
Жыл бұрын
I'd get tired of it if I listened constantly. However, I don't mind when it's Dave which is sort of a rarity these days since the other hosts have taken over the show.
@tsachie4822
Жыл бұрын
@@PhilipMarcYT me to, that Indian guy get on my nerves with is to long videos . he talk to much around the point. I prefer Dave Ramsey much more.
@YA-ih7pw
Жыл бұрын
Same!
Nope you need to save first, not giving first. Take care of yourself so you can take care of others.
@TheGreatBrownBoy
Жыл бұрын
Exactly
@markadams8942
Жыл бұрын
My experience has validated the “give first” model. I can provide evidence that doing so multiplies the return on all the other steps.
@15KHPCLUB
Жыл бұрын
Exactly! What is she thinking?!
@TheEllaTB
Жыл бұрын
@@15KHPCLUB it's not what she's "thinking" but what she has lived. It's what many of us have lived and you can't explain it with math, because it's a spiritual principle and it works every time. Even Robert Kiosaki, who isn't a man you'd describe as being "spiritual" claims that when he feels stuck in something with finances, he will write a check for donation to some organization and it always "releases" what he needs
@toothybj
Жыл бұрын
Agreed. 100% As long as you have a good stockpile in savings for “emergencies” and peace of mind, THEN you can maybe contribute (i.e., tithe) to a church or donation type org.
Jaspereet with minority mindset has a good channel Rachel. Thanks for sharing...
Big helper for me is to get the bulk shopping done the day I get paid - toilet paper, paper towels, dog food, meat on sale to go in the freezer, olive oil, rice, fill up the gas tank. I 100% know I'm gonna use those things up each month and EVEN THOUGH I've budgeted for these things, I have a high tendency to start robbing from categories mid month and shuffling money around because I've "justified" some purchase. This way, the money is gone and I won't run out of money end of month. also, saving "wants" purchases until later in the month is useful too. It causes me to play a bit more conservatively when grocery shopping, let's me "micro save" within my budget and then I get to splurge on something end of month....usually stuff for my house projects lol
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
I have thought the emergency fund should be increased because costs have gone up a lot since Dave set it at $1k.
@bseneca1997
Жыл бұрын
I agree. At least enough to cover deductibles.
@Kurodarkness
Жыл бұрын
I can see both sides, prices have definitely gone up but a lot of times people don’t even have $1000 and so it helps to have the goal be more obtainable for those who could struggle with even baby step #1. A little like the snowball method, it’s a first win to help with the confidence building to then do baby step #2.
@alexgaribay1849
Жыл бұрын
That’s only the beginning emergency fund not the fully funded one so it really is much more than 1000 Dollars
@Paul.Archer
Жыл бұрын
Yep $1000 too low, we were doing the baby steps then the furnace broke in January in Canada (not exactly something you can pause and save for) now I have more debt because I only had the $1000 emergency fund. Wont be making that mistake again we’ll be saving at the same time as paying down debt.
@shafaraday7916
Жыл бұрын
@Paul Archer in my case, my car engine blew up. I literally could not work without a car. Can't even buy a lemon car at 1k here in Ontario. Same here, we will not be in that situation again. We are aiming for at least $2500 emergency fund.
Hey Racheal You gave great authenticity towards debt elimination on CNN television
Thanks for the video, Rachel. I have been subscribed to the Minority Mindset as well as the Ramsel show for a while now and now your show. Each has helped out a lot.
love his videos!
I think $2000 is a great starter emergency fund especially with high inflation. But other than that the Baby Steps are still the best when it comes to finances
@marcolee1632
Жыл бұрын
Why do you think it's the best?
@johnsiwik3790
Жыл бұрын
It’s really hard for some people to reach 1000. 1000 is the perfect amount. I think that’s why it’s called baby steps.
The one crucial need I would add to the 4 corners of food, shelter, transportation and utilities is "health". No health no wealth. Gotta have your health or pay the price down the road.
Be sure to have a routine line item for healthcare. In addition to emergency, even more mundane things like mild to moderate childhood illnesses, cavities, glasses, prescriptions, some exams and testing and bloodwork can really add up!
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
I do the pay myself first system b4 I receive my paycheck $150 a week is automatically deposited into a separate account 6% b4 taxes goes in my 401k what left is deposited into my checking account for food shelter etc my debt is already paid off as of last month
love that you ended calling it a plan instead of budget!
I pay 10% tithes to my church first before any bills. The miracle is that the money goes farther when I choose to pay the Lord first.
1000$ is not a realistic emergency fund. 2k makes a lot more sense. A home repair or true vehicle emergency is seldom under 1k. So you can save 1k and still be scrambling if your transmission goes out or your basement gets water etc.
Aaaaaaaahhhhh love this video!!!!! Two of my faves in one!
i thought giving was baby step 7/8. Ramsey always said, you couldn't help anyone if you were still in debt.
Very similar advice between the 2 channels. Love both channels thanks for sharing the video today
He basically regurgitated the baby steps with a slight spin to try to sound novel
I think you have to find what works for you but the habits, goals and being consistent are what matters most.
I was wondering when Ramsey was gonna do something was Jaspreet's content.
@misterfergusso
Жыл бұрын
What's wrong about Jaspreet?
@tcgtpl
Жыл бұрын
@@misterfergusso Nothing. Jaspreet is awesome. He treats his audience like they are adults & want to learn how to be financially wise.
@MrTmenzo
Жыл бұрын
@@tcgtpl except he's into the crypto scam garbage and was paid by ftx to pump it to his viewers.
@jasondima1411
Жыл бұрын
Classic! Love the minority mindset
I have a question I’m a Christian too… do you guys prioritize paying your walls first or tithing before ???
@jamesmir89
Жыл бұрын
i’d say, set aside first fruits, and then start to budget your paycheck.
@momlife1123
Жыл бұрын
Tithe first always
@YanilleCastillo
Жыл бұрын
@@jamesmir89 confirmation my flesh fights that but it’s convicting and a command even ;thank u for confirmation…..🙏❤️🤗
@brookecarrillo3432
Жыл бұрын
We always give to the Lord first.
@15KHPCLUB
Жыл бұрын
You do tithe beforehand. It's called taxes.
Your quick wins by paying off smallest 1st is same thing as to why people try to make a quick buck. Seriously think about it....same mindset. I've literally been super broke an now a millionaire that's been thru it all. I don't think you've ever been broke
Jaspreet❤️❤️❤️
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
But I thought giving was supposed to be Step 7? 🤔
@15KHPCLUB
Жыл бұрын
@@Desiree_Rose I keep those types of books in my bathroom, but not for reading... You give when you're rich, not when you're broke. Use your head.
Congratulate you for make this video is show humble mentality
Save 2000 out of your paycheck. Most people don't make that in a month
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
@OlcurtyB
Жыл бұрын
I think he meant get to that 2000 as fast as possible not necessarily from one check. That being said, if someone doesn't make 2k a month they need to get a higher paying job, a part time job or side hustle to fix their income problem.
Can’t “give” till you’re good first.
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅,
Is there a point when it's too late (age-wise) to start trying to do those things? As someone who grew up in a communist regime, I have never been taught money and finances. When is it too late to try and start to follow your advice?
@YanilleCastillo
Жыл бұрын
Never to late ❤🤗
@momlife1123
Жыл бұрын
It’s never tooo late!!! If you listen to the podcast.. there are people in their 50’s 60’s and beyond getting debt free and on a budget!
@WeBeatMedicare6969
Жыл бұрын
Like the other posters have commented it’s never to late to learn and be financially responsible however if you’re starting in your 50’s, or beyond, it’s gonna be tough to retire in a good spot…I fall into that category but I’m doing the best I can…no guarantee you make it 70’s anyway so try to stress too much about it lol
@patriciadelorme9006
Жыл бұрын
Never too late! I’m in my early 50’s and decided I needed to change my behaviour about $$$. I know I would struggle if I had to pay CC debts on a retirement income. Plus my retirement goal is to travel North American via camping.
I agree with 2k. Twice in the past year I faced over 1k dollars in car repairs. If I'd had 2k, things would have been sooo different
I saved way more than $1,000. I also have a sinking fund for Car Maintenance because any emergency with a car will wipe your account clean 😂 I gotta have extra cushion, so I don’t get further into debt.
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
These numbers I gotta say guys r not realistic unless you r debt free ….. I mean save 2k my paycheck is like $2,200.00🤷♀️
@imonyahoo87
Жыл бұрын
Save 10% monthly. That's 220. And with interest you should have this 2000 in 8-9 months.
@momlife1123
Жыл бұрын
You should save it as quickly as possible. That can be over a few months, but Ramsey suggests doing extra jobs, Uber , etc to get that first 1k
@Sooopersteve
Жыл бұрын
Personally the way I started was for every dollar that I paid off of debt I put a dollar in savings that way I can pay off current debt and avoid future debt
@YanilleCastillo
Жыл бұрын
@@Sooopersteve that’s great you paid your self first 💵😊
@Sinful_Survivor
Жыл бұрын
Rachel just did a 50k a year Budget on a 60 second short clip. I'd go check that out if I was you Yanille, im assuming you get paid at least twice a month?
I feel theres a universal concensus that the $1000 emergency fund is immensely outdated. If everything goes up another 20% does it still stay at $1000? Doesnt make sense
Sorry Rachel I ain't giving first I'm trying to get out of debt not fund anybody right now when I get out the hole I can look out for someone else
Giving is first? Yeah no thanks I’m going to make sure my bills are paid first lol
@momlife1123
Жыл бұрын
you reap what you sow my friend.
@thorneto2742
Жыл бұрын
@@momlife1123 if I can’t even sleep cause I’m so stressed about money and it’s hurting my relationships and mental health, I’m not going to just give that money away, that’s absurd. What would I even give to?
@momlife1123
Жыл бұрын
@@thorneto2742 This is why you need Jesus in your life, to bring you peace. When you trust in the Lord and leave everything over to His Will, you will want to tithe first. Malachi 3:10 "Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it." Ask any Christian if this Bible verse has ever been untrue. It's the only time in the Bible God asks us to test him. Tithe does not have to be to a church. If you are a non-believer you can give to any organization that responsibly supports the sick, needy, poor, and widows. I can attest this verse has never lead me astray. I have only received more and more blessings from the Lord and have been able to increase my giving over time. If your feeling stressed, call out to Jesus to show himself to you and help you. He will tell you what to do and fill you with Peace and Joy.
@thorneto2742
Жыл бұрын
@@momlife1123 I understand your perspective but I am an Atheist and I believe religions to be one of the great evils of this world, I don’t mean disrespect but this is my honest belief. I think the bible is nonsense I’m sorry
@momlife1123
Жыл бұрын
@@thorneto2742 I respect your opinion, but maybe you should ask yourself if your beliefs have ever brought you peace and joy? At this moment you claim to be stressed about worldly things like money and bills. Your beliefs have not brought you any solace from these feelings or circumstances. Christianity is not a religion, its a faith. All that is required for one to be a Christian is to repent of their sins and believe in Jesus. There is no requirement for anything else. There is no biblical requirement for any ritual or practice. Even tithing is not required, but encouraged as giving blesses both the giver and the recipient. When you ask Jesus to come into you heart, you will start making changes on your own without anyone telling you what needs to be done. He has a way of showing us what ought to be done and convicting us towards certain paths. Even if you never believe, imagine how much better society would be if every earner took the first 10% of their earnings, and bought groceries for a family that didn't have enough to eat that month, or paid a bill for a neighbor that just lost their job? Its only 10%. I just want to reiterate, the tithe for a non-believer doesn't have to go to a church, you can give directly to a person in need. The 10% structures the amount. It enough that its impactful, but not so much that you should feel stressed about giving it. In any event, the Lord loves a cheerful giver, so if you are giving reluctantly you may want to wait/pray for a change of heart.
In this day and age with current inflation, $1k starter emergency fund isn't enough imo.. especially for a family. I'd do 1k per person at least just to prevent having to go back in CC debt
@WeBeatMedicare6969
Жыл бұрын
It’s not about it being “enough”…it’s been the same for 30 years…the emergency fund is the amount you need for real sustained emergency
@maryanaresh9247
Жыл бұрын
@@WeBeatMedicare6969 started fund should be adjusted for inflation (1k 30 years ago covered ALOT more than it does now) just like fully funded one reflects current day 3-6 months of expenses. You can choose to do whatever you want, I would never be able to sleep with just 1k in my account. I'm not here to argue with anyone, just stating my opinion.
@WeBeatMedicare6969
Жыл бұрын
@@maryanaresh9247 I def get it…however the principle was for it to be like a car breakdown..something that pops up in daily life..not a life altering event…that is what the major emergency fund is for whether you believe in 3-6 months…it’s all opinion..but yeah, you need more than 1k available and that’s all your saying
Which yes it’s why u want to be debt free
I thought the baby steps did NOT start with giving. If you're in debt, how can you give?
The giving part they need put toward to bottom of the list. If you have hardly anything saved then to give any money away you would need is foolish.
The first baby step should be increased to $2,000 with costs that go up over time and inflation.
@jasondima1411
Жыл бұрын
I agree
@ryanl3812
Жыл бұрын
It's a psychological thing. The people that Dave help the most are horrible with money. That $1K is just to establish mentally that it is possible to save and reach a goal
@shafaraday7916
Жыл бұрын
I tried 1k, ended up using my cc again... 2500 the least. 1k is the new $100
@ryanl3812
Жыл бұрын
@@Desiree_Rose I've been listening to Ramsey for ages. He said it himself.
@shafaraday7916
Жыл бұрын
@Ryan L say for example you rely highly on your vehicle to make money. One morning your engine blew up. The cost to repair is at least 5k. What are you going to do? You cannot even buy a lemon car for $1,000. At least not where I live. How in the world can you make 4k in a day or 2 so you avoid going into debt? I have been listening to them for a while now and they need to update their numbers to current world. I do not know about you but I do not know what amount of psychological strength I would need to produce 4k in 2 days. I mean I could sell my kidney.
Jaspreet has a great channel
Lol apparently Rachel doesn’t follow the baby steps at her own company. She recommends part of baby step 7 before baby step 1.
Why would you give first if you are in debt? that's not the first baby step?
@LOLZHAHANOTFUNNY
Жыл бұрын
It's the tithe, Christians are commanded to give 10% of their "first fruits" or their first income to their church. To many people it's significant that it's the first money you spend from your paycheck.
@brookecarrillo3432
Жыл бұрын
You never stop giving during the baby steps. You are to “tithe” or give an offering the entire time.
@freedomring3022
Жыл бұрын
@@brookecarrillo3432 no. Read the baby steps. Your statement is 100% false.
@LOLZHAHANOTFUNNY
Жыл бұрын
@@freedomring3022 It's not an explicitly written step, that is true. But it falls into the "best practice" part of the steps like getting health and life insurance
@momlife1123
Жыл бұрын
@@freedomring3022 that baby steps are the blueprint for wealth buidling. This video is about what you do when you get your paycheque, and yes Dave always says Tithe first. If you cant live off 90% of what you earn, God won't trust you stewarding more than that.
Giving first ? Lady follow your own steps 😂. Isn’t give the last step. Take care of your own first! Then help others next.
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅,
I wonder if the difference in amount for an emergency fund comes from him being from Canada vs. The US?
@glennmorris6071
Жыл бұрын
To me, it appears to be more of an arbitrary number. We are in Alberta and used $1,000 CDN as our baby emergency fund and it all worked out great. Payed off $107,500 in debt in 18 months.
@amandasutherland626
Жыл бұрын
@@glennmorris6071 I did the same, Ontario here:)
@patriciadelorme9006
Жыл бұрын
I’m happy to see that I’m not the only Canadian following Dave’s Baby Steps. I’m still in step 1, it’s a struggle, however, I’m getting close to the goal. I could not imagine is it was $2K! 😮
@glennmorris6071
Жыл бұрын
@@patriciadelorme9006 Keep up the good work, you can do it. Please let me know if I can help.
@patriciadelorme9006
Жыл бұрын
@@glennmorris6071 thank you for your offer and kindness.
I like Rachel but that's terrible advice. I'm sure if she was down to just $1000 dollars i doubt she would be giving money away? It's easy to suggest that when you have lots of money to give away? I'm afraid that comment shows a disconnect from people struggling to save.Sorry Rachel.
I get the Ramsey brand is set in stone. But 1k isn't enough for an actually emergency.
@elcheekoful
Жыл бұрын
I agree. I personally left about 3k in my emergency fund. But the baby steps are still exactly the same. Dave's even said you can put a little more on the efund, it doesn't change anything. The principle is still the same. Just follow the steps.
@WeBeatMedicare6969
Жыл бұрын
Jesus, why can’t people get this idea through their heads??..it’s not about the actual amount being enough..it’s about having something just in case for a basic emergency like flat tires on car etc..of course you need more money saved for major emergency…that’s where your other savings come into place…the starter emergency fund is just that lol
@jgallone
Жыл бұрын
@@WeBeatMedicare6969 It's because a lot of his audience simply blindly follow the steps without actually understanding the concept behind the rules/"baby steps".
@jaypal3815
Жыл бұрын
@@WeBeatMedicare6969 1k isn't enough for a starter. You might be paying off debt for 5 yrs. You need more then 1k
Your baby step 1 is to save 1k so why mention giving when it’s baby step 7 through your method I’m wondering why point it out when he states his method if you don’t incorporate it in your method as a main priority throughout your steps therefore contradicting either your response to his method or your baby step method entirely.
Why give this guy any credit he’s mimicking you guys with his own spin?????😮
@user-kf2pn9ug1f
Жыл бұрын
🖕🖕🖕 📩✍️✅..
Give money when you have no savings and have debt? That is a terrible idea. You have to help yourself before you can help anyone else. Just like being in an airplane that loses cabin pressure while in the air. Put your mask on BEFORE you help anyone else. Otherwise you might not make it, and you definitely won't be able to help anyone else before you take a dirt nap.
They should change the $1,000 emergency fund to 1 month of expenses.
@ryanl3812
Жыл бұрын
The 1k is a baby step. Some people can't imagine saving 1 month of expenses
Who has $2000 from a pay check? That's not even an average American salary.
@arcane7298
Жыл бұрын
Yeah, the way he said it was confusing but you don't take the whole $2,000 out at once. You just put as much as you can out of each paycheck into Savings until you reach the $2,000. Perhaps 10% of each check. Then you focus on paying off debt.
Jaspreet advice is more solid. Especially in this day in age.
I love Ramsey Show but I'm sorry but where I am, I am already giving 30% of my income. Probably going to be more for 2023. I believe in the social welfare programs but I could not give more other than my time.
He is Daveish. Lacks the straightforward direction of the baby steps.
I give a donation to a charity every pay day. It’s Called my wife
O snap. . Goin’ after my boy Jaspreet !!!! 😮 🍿
Give … ppl are barely making it
@TheEllaTB
Жыл бұрын
Exactly. So do something different. I dare you to try giving first. You'll be amazed at how that changes your life
The amount you will save depends on how much you make a month...
Give first before an emergency fund? Not everyone can rely on Dave to bail them out. Snowball method, did Dave write the auto cue?
@TheEllaTB
Жыл бұрын
I give first and Dave has never bailed me out. And believe me I've lived on $700/ with 3 kids, not too long ago. But giving has more to do with a mindset then with an amount. Giving is like planting. You have to give up that kernel of corn in order to get hundreds more. Start small, $1/day. Do that for 100 days then increase to $2/day. And keep growing slowly. You will be amazed at how your life will change!
@AG-kb7yb
Жыл бұрын
@@TheEllaTB I give more than $2 a day, the reason I am in a position to do so is because I ensured I was financially stable first. You cannot significantly help people if you cannot help yourself.
401K is in real danger with banks on the verge of collapse. So is our money in the banks. So where can we put these funds so the government cant take it?
@jeffleonard343
Жыл бұрын
Don’t cash out due to fear. Future you will regret it.
It sounds as though he's Dave-ish! Apart from Tithing and the first exercise of saving £1000 as a personal test to see if you're truly committed to becoming debt free, his steps are almost identical! Xx
Honestly, people who do not even have $2000 should NOT be giving money away.
@TheEllaTB
Жыл бұрын
Don't knock it til you've tried it
@rhsc2670
Жыл бұрын
@@TheEllaTB No thank you, I do not want to be broke giving money away lol
First
$1000? That’s Year 2020, today you need at least $2000
As soon as I heard give money away I wrote this comment and left the video
@candy2325
Жыл бұрын
😂
I watch minority mindset. But yes he is right if and if you have a budget and can afford it. If your making 7 bucks and hour no go. But if your making 50 k you can start with comfort. No don't give until you have enough shirts in your back.
I like jaspreet but he talks way to much. 1 hr videos I stopped watching. It’s all chicken bawk anyway different people saying the same thing
To GIVE? Omg you just lost all of your credibility!!!
@The Rachel Cruze Show: Charity begins at home
I ain’t wearing no turban Rachel