Well that would be impossible to do considering I'm in my late 50s and I'm more interested in investments that could set me up for retirement in my 60s, my goal is at least $2million.

@MarcusFred-wn3iv

9 ай бұрын

@@DavidAntony-gq7id Very true, If you're looking for help building a retirement nest egg, you most likely want a certified financial planner with expertise in retirement planning. With the aid of a coach, I grew my reserve from $160k to almost $600k during this Red season.

@MarcusFred-wn3iv

9 ай бұрын

@@DavidAntony-gq7id KRISTIN GAIL CUNNINGHAM. On the internet, that’s the financial advisor I use. She’s verified; you could also read more about her and then communicate with her. it’s always good to do your research before putting your money into any investment.

I’m mostly in cash and waiting for this market to re-level on the reality of our situation. Or are there any ways I can avoid a crunch and maximize my savings of $550k? I know election years are positive for the stock market about 90% of the time.

@Annie56427

3 ай бұрын

The issue is most people have the “I want to do it myself mentality” but not equipped for a crash. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 300%, summing up nearly $1m, since covid outbreak to date.

@Hudson367

3 ай бұрын

great gains there! mind sharing details of your advisor pleas? i've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help build wealth over time

@Hazel5063

3 ай бұрын

Who is this individual guiding you? I lost over $9000 just last week, I’m in dire need for a financial-planner.

@Hudson367

3 ай бұрын

I work with an FA named. Aileen Gertrude Tippy Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI. You should check her out.

@Hazel5063

3 ай бұрын

Thank you for this. I'm gonna check her out and try to reach her. I hope she gets back to me.

I’ve been listening to Ramit daily for four weeks, and interestingly, it’s built my confidence and I’m having an easier time asking for what I need and setting boundaries. And I wake up thinking about money and I smile! Huge game changers for me. Thank you Tom and Ramit!

Love, love, love Ramit Sethi - very smart and common-sense guy. Ramit's parents did an excellent job and should be very proud of him. Way to go Ramit ~ from a Jamaican half Indian Punjabi~ way to go Ramit!!🕺🏽👍🏼👏🤗❤💚💙💜❤🧡💛

Dear Tom, thank you for all this real, raw, down to the ground, ACTUALLY helpful and inspiring content! I discovered you and Lisa a few months ago, 2 years into terrible ruin... and i have to say you guys have been the “turning point” for me on so many fronts. Your respect and real thoughtfulness for others, in real life, practical terms, are deeply moving and motivating, as in : get up and DO IT ‘cos only you can. Thank you seems “short” of the mark... wish i could do something for you guys in turn .... Much love to you both from Greece!

Key Points 29:00 Tom says "It doesn't matter what you look at, it matters what you see" Here is a similar one: "When you change the way you look at things, the things you look at change" 29:48 Ask yourself "What would you love failing at?" "The success is not guaranteed. The struggle is". I really liked it when Tom said this because it reminded me of his course Mindset 101 on Impact Theory University. He said exactly the same thing there 30:20 People are going to win in this time. There will be people who come out of this huge. Example: Zoom 32:45 Brilliant exercise from Ramit: write on one piece of paper all the reasons things will not work. Another piece of paper: write all the reasons it will work. Then you get to choose which paper to read. Tear up the other one. Wow. This was insightful.

@deepakchaurasia263

4 жыл бұрын

@William are you subscribed to Tom's Course?

@WilliamJonesChess

4 жыл бұрын

@@deepakchaurasia263 It was free 2 months ago. Tom mentioned it in his weekly impact theory newsletter. He gave away parts 1,2,3 of Mindset course for free.

@deepakchaurasia263

4 жыл бұрын

@@WilliamJonesChess missed it 😕

🇬🇧 I cannot wish for two better people to spend an intelligent hour with - my brain sighs a grateful....aaahh 🙏🏼🙌🏼

This is not a quarantine. It's a retreat. An inward journey. Hear the call to action. You will triumph and you will be transformed

@ashleywyatt7114

4 жыл бұрын

Exactly! We're so use to our regular routine which might not be the most fulfilling for our souls. Everyone should look at this as an opportunity to really get in touch with who they really are what is it that really makes them happy. 🖤

@victoriaholden7774

4 жыл бұрын

So true!

@YogawithAliBeale

4 жыл бұрын

I have been thriving part of me doesn't want it to end! I immediately end into redefining myself and can't go back to the old me.

@mindhive625

4 жыл бұрын

@@ashleywyatt7114 Well said

@ghill3337

4 жыл бұрын

I totally agree! Been exercising hard every day. Getting ripped!! It's the pause button for transformation I've always wished for.

So many nuggets of wisdom...I love the financial advice and the dialogue on perceived failure/imposter syndrome. "Your mind will operate from a place of safety. Not excellence." 💣💣

Thank you for such a real discussion! And thank you for all the work/content you and Lisa provide!

In the middle of a pandemic my wife just negotiated a pay raise for her and all of her managers underneath her. She set it up right, she knew what she was looking for and had the backing to prove it. It's entirely possible people . You got to be valuable absolutely hard-working and do your due diligence before hand.

Hands down 🙌🏻 a must-watch interview! Loved the whole thing!

Love that this episode brought up the theory of having a pros and cons check list. My husband and I always do this when we are faced with a financial dilemma and need to make decision regarding money. First we discuss it, then we sleep on it, because one might be excited, and the other one not, then we sit down and do a pros and cons list. The answer is NEVER what we thought it would be, and of course it helps if you are both on the same page regarding money, because if you are not, that just makes money management worse!

@billytheweasel

3 жыл бұрын

Good habit! I also research things extensively. My goal is zero impulse buying - and I do pretty well.

When you don't have to worry about money, life becomes a whole lot easier

@jessicalang4682

4 жыл бұрын

Jaxx - Inspire Grow Create I can’t agree more👍

@jaxx-inspiregrowcreate2862

4 жыл бұрын

@Mr. E That's beautiful!

@nullsker

3 жыл бұрын

When you realize how little of it you need to live. Life gets easier

@jaxx-inspiregrowcreate2862

3 жыл бұрын

@@nullsker agreed ☑️

@aadith007

3 жыл бұрын

Reading and listening to Robert Kiyosaki, Mike Malloney, Tim Ferriss, Nassim Nicholas Taleb, Mr. Moneymustache, Ramit, and Mark spitsnagel has helped me a lot in terms of becoming a contrarian in money matters.

“Most people’s mind operate from a position of safety not excellence.” Use something like a briefcase technique to showcase your excellence, and go on the offensive, instead of playing desperation defense. 👏

Great way to start my day! thanks for the interview and the advice. It's not the event; It's what you do in an event that makes you or breaks you...Let's do this!!

Tom your story is so DOPE. I didn’t realize how you went so LEAN on expenses much RESPECT ✊ BRO. 🙌🙌🙌

This is so true! I started a YT Channel and focused more on my brand this Lockdown!I’m really greatful that I faced the fear!I really Enjoyed this interview

An other tip to save money: Delete all the shopping apps from your phone! So if I really need or want something, I have to order it from my Laptop. I buy way to much unnecessary stuff out of boredom. So that was my first step and what I did while listening lol

@jordanj.5681

4 жыл бұрын

Celeste Ribeiro that’s really only a concern for women

@cel8683

4 жыл бұрын

@@jordanj.5681 we all struggle in our own ways 😅

@jordanj.5681

4 жыл бұрын

Celeste Ribeiro at least you’re self aware enough to recognize this. Respect.

@_mayankr

4 жыл бұрын

Thank you Celeste, I found Tom and Lisa's talk with Omar from your mindset playlist and it was amazing.

@cel8683

4 жыл бұрын

@@_mayankr Oh that's great I really enjoyed it too :)

Thank y'all so much dearest 🌹 Y'all such an inspiration 🥰 Appreciate y'all from the bottom of my heart 💖 Be Blissful Eternally 🙏👼🌈

I needed to hear this that way. Thank You!!!!!!!

I really enjoyed this session. Thanks from France 👏🏾

Thank you , i love all your program because I learn so much. I love you and I hope you have a great day full of peace love happiness joy and blessings 💖🤗🙌

Our three largest expenses; 1) Our condo mortgage ($105,00 lef6t to pay off) 2) Our organic food (we eat three meals a day cooked at home) 3) Our out-of-pocket medical expenses. We are age 72 and 77, have health issues so we much eat a super healthy organic protocol and we must pay for our medical needs in order to get what we need. We cannot cut those if we want to thrive and or live. We have a strict budget and we do have a plan....we have been working that plan now for the past 27 years.

I love your show, Tom. And so glad you had Ramit on again.

2020 taught me to definitely go out and be an entrepreneur, finally go back to college and Do exactly what You want to be, get the hell out of debt and stay out of debt 👌his book actually changed my life!

Love Ramit , he changed our lives

When I see a hazard in the road I DON’T slam on the brakes, I slow down and swerve, moving forward but avoiding the hazard. That’s really what I do. In my vehicle and in life.

I’m not a manager nor am I the leader of a large team, but the advice I give to my colleagues who are scared to take opportunities and look for jobs is that it is a MARKETING AND SALES pitch. You already have the skills in the space, show employers how those skills will make them better. And that’s the briefcase scenario.

Thank you for this!

This was what I needed today! After hitting a brick wall for months of searching for answers. I could huge you both, thank you!

Love that conversation #REALTALK crystal clear and hands-on

I needed to hear this today - thank you.

Sound advice from both of you. Inspirational! God bless and stay well.

Great interview guys. I love the practical advice and actionable tips.

As always Tom you have done a Great job 👍

He's a absolutely correct on preparing a 90 day plan for the role you're interviewing for. At the very least a great idea is to have a resume addendum. This is basically details on your past accomplishments that you bring to the interview to refer to. The interviewer will ask for a copy when they see it. Take notes and ask intelligent questions.

I really messed my finances up staying with a former employer after my bankruptcy. So as people began to reach out to me for money, I sent them a copy of a book that really helped me. Some books are even doing this for free digitally. Talk about marketing!

Just what I needed to hear this very morning! I cut, but I think I can do better! The 2 Ton Telephone? That hit me because it's true. I did finally pick up the phone to tackle one challenge, but am saving the best for last....because it's the Scariest, and to try to start to turn it all around is going to take a lot of attention to detail, and a whole lot of paperwork that I fear will be confusing. I needed the confirmation I needed the push! Thank you!!

WTF. As a landlord that's the worse advice ever. Not every landlord is a multi millionaire. It's pretty messed up that the government is giving tenants a pass on not paying their rent without giving the landlords any financial compensation for the loss of rent. I'm blessed that my tenants are still paying me, but I know landlords who are losing their properties because of this unfair law. That's like you going to work and because the company you're working for tells you we're having financial problems so we're not going to pay you for the next six months but we still expect you to come to work every day until we get our money issues under control and the government tells you by law you have to do it with no regards to how you're going to FEED YOU'RE FAMILY!

Excited to hear from Ramit!

Thank you so much. It was such a great discussion!

The conversation here, just got me amped up for real...!

This should be an opportunity for us to get serious about money - thanks gentlemen!

All he’s saying is connect with your bill collectors. But understand that no landlord is going to wave your rent without you paying it back so be very clear about this payback plan.

During this covid I took the chance of starting a channel. I use to say I never had time, well thats no longer an excuse! Its time to move and not get frozen by this setback!

@francoiswilliams

4 жыл бұрын

Cool

@timesworth900

4 жыл бұрын

I've subscribed 😉, supporting another YT Nuubie.

@thecrazyandthewild

4 жыл бұрын

Great!!!!!

@francoiswilliams

4 жыл бұрын

@@timesworth900 Really?

@nauxsi

4 жыл бұрын

The only thing stopping people is discipline.

Practical advices on the next level! 👏Thanks fro that! 👍

Needed this. Your show always uplifts me

Thank you for paying more about financial freedom 🙏🏽

So true...I've had it and I had nothing....then been scwd over many times as a child and adult all because of speaking my truths which are universal truths...thanks for making this video

Thanx for the script Ramit! Much appreciated.

Such an awesome video!!! GREAT support!!!! Thanks Tom and Ramit

Really compressed audio for some reason Tom. I miss your real voice. Thanks for continuing to give us value and what you do. Please encourage your crew to experiment with different audio/streaming solutions. Know Rich Roll did a show with Zach Bush and mentioned he apologized for not having a real time interaction because of the delay as Zach was in Austria. It still sounded like a high quality production and hardly noticed a delay being it was webcasted. Made me think about a software like Vizzywig that does support a portal connect and quality may be compromised during the live stream. But when you play it back it’s like there is no compromise in quality including the video stream. Be like a two camera shoot in the studio. Don’t quote me on this software but seem to remember it offering these impressive features. Good news on Diamond Comics as they going to kick back up on May 20th. Look forward to getting your next comic. Lost my job as a event production technician(run camera, audio, set up lights and sort in a corporate environment)and been shifting gears like crazy as know it’s a fragile and a lot of things have to be healthy so I can actually work. I didn’t want the government payout even though was more than minimum wage. Regardless felt the right thing to do to keep going at it. Working at Amazon and been selling items on the side as that was my side hustle before this happened but it’s been going decently. I often see your Quest Cookies, Bars while working at Amazon. My creative gears been turning like crazy. Putting ideas and reading books how to start my own food item to offer to the market. I have this great idea as listen to so many podcasts like yours that the ideas of health keep coming back up over and over. Want to take them all and incorporate them into the foods I make. Have some crazy combinations in offers and the holes in the market as what is not offered especially in the ingredients department. Similar to say the guy who made Primal Foods brand. He started much later in his life. Inspired by him and your own brand. Hope all is well with you and Lisa. Be fucking legendary Tom.

*Two of my favorite people* 💯💃🎯

Really appreciate the advice on putting cash aside. All the advice I’ve gotten and bought into is that you want as little money in cash as possible (because of higher returns elsewhere), but this makes a lot of sense

Honestly, You inspire me Tom. I live in Uganda, Africa. But one day I hope to travel to the USA and get to be part of Impact theory university. God Bless you Tom. Yours truly Jimmy.

@francoiswilliams

4 жыл бұрын

Stay TF away from USA...civil wars and stuff...no fun, Africa is where it is all at...

@1111_Millionaire

4 жыл бұрын

francois williams we are not in civil war

@1111_Millionaire

4 жыл бұрын

Hello my brother one day you will get to come to the US and experience your dream

@siyasajimmy8310

4 жыл бұрын

@@1111_Millionaire Thank you for the encouragement Ms. I appreciate your kindness. And yes, I do believe as you that it is possible. Bless mrs. unbreakable 🙏🙏

@francoiswilliams

4 жыл бұрын

@@1111_Millionaire Lol, after or before ?

My favorite financial guru

Thanks Tom! Another great one man

I love what you said about ... Again and again and again

Thank you for your sharing. I love it

Thanks for that information!

cool interview the guy is so awake and driven

Try to work on a better sound quality Tom! Thank you. Everything else is excellent, thanks for the great work!

One thought on unemployment: this is your own money, which has been withheld from paychecks for all the years prior to this event. There is no shame in using your own savings, in the form of government set aside from the money you earned previously

@yaritzal6360

4 жыл бұрын

I agree with you in people setting their pride aside and not feeling shame in claiming unemployment. At the least, we're experiencing temporarily what other people experience on a more regular basis. This situation is trying to teach us to be compassionate and understanding of others' situation. That said, I just want to make a correction on your statement. Employees don't pay towards unemployment insurance (UI), companies do. It's an "insurance" fund, funded by employers. The % they pay is based on their payroll $. Companies who have the highest layoffs (i.e. not-so-good companies who treat their employees as dispensable) are "punished" with a higher UI % rate. They have a higher chance of having unemployment claims filed by their laid-off employees, so the reason for the raise in % they pay. Employees pay zero towards UI. Employers pay it all.

@contrerasmcr100

4 жыл бұрын

@@yaritzal6360 u r a beast.....

@truthinevitable

3 жыл бұрын

Yaritza L that is correct with one exception if your a self employed business owner.

Amazing advice!

2 3-dollar lattes everyday for 40 years would make you a millionaire with interest taken into consideration. That's about 88k in deposits with probably around 800,000k in interest. Do that math lol. But I get Ramit's point and agree fully.

Big thank you so much for sharing

I also love you Tom, you are a very smart and intelligent man. Your advice should be followed with discipline and looking long-term. Keep up the excellent job you are doing!!👍🏼👏🤗❤💙💚💛🧡❤🕺🏽

Thank you!!

No neec to cancel wedding if you want to marry this person - we married two weeks ago in a park, w two dear friends witnesses and reverend 12 feet away

@sritama09

4 жыл бұрын

Congrats!

@microtrader540

4 жыл бұрын

Dr Elena Shirley DVM,CVA,MA Smart.

@eternalpunition

4 жыл бұрын

Unfortunately some of our friends missed out because they were getting married internationally but totally agree here. Love finds a way!

@tukal8682

4 жыл бұрын

Congratulations !

@billytheweasel

3 жыл бұрын

Grats! I assumed he meant the expensive wedding ceremony and all that goes with it... rentals, catering, gowns/dress, music. ad infinitum

Wow! That was excellent!

Such an awesome video. I already subscribed to amit and Googled breif case technique. Mg living situation is terrible and has inspired me to test the deep ends of the waters. I look forward to your next video.

Best life advice ever👏🏿👏🏿👍🏿👊🏿💪🏿🙌🏿

Great interview !

Great advice.

No joke I called landlord last two months just asking for some “relief” and we had no rent past two months! Love this! Thank guys!

@nauxsi

4 жыл бұрын

Many landlords are understanding of the situation.

@JenJHayden

4 жыл бұрын

no rent? or deferred rent?

@Island_man

4 жыл бұрын

If you can pay just pay most of these landlords are in the same situation and that is their source of income.

My husband and I got married at the very end of January (we were initially going to wait until May. So happy we didn't!) We simply took our immediate family down to the courthouse. We got catering from our favorite restaurant down the street. We had the reception at our house, which I decorated with tons and tons of flowers I purchased at Produce Junction. All in all, the total of the wedding including the cost of my dress (which was elegant enough to wear then, but can be worn again when the world gets back to some semblance of normalcy) was approx. $600. Remember, the wedding is about YOU, your SPOUSE, and your LOVE. It is not about impressing other people. The average American wedding is something like $30,000.

Ask yourself what I would love failing at Love it

I disagree with the $3 coffee. If you get one every day that you work which isnt uncommon for people. Take that from say the day your 20 to 65 when you retire at $3 a day with 9% interest a year that adds up to over 400k almost half a mill just by getting coffee every work day for 45 years Not to mention caffine isnt good for you

I don’t know what people keep talking about but I can understand you clearly.

Thanks for the video.

So grateful this is out here for everyone to see in such trying times. Thank you to everyone who put this together!

@leannechu5954

3 жыл бұрын

I already feel so much less stressed calculating how much I need for my emergency fund, knowing it's a certain (and attainable) figure rather than an unknown one.

I love love love your show. I have one suggestion ~ upgrade your microphone Tom. Just $100 can get you a really great quality mic to plug into your laptop. Poor sound from host is distracting. Just a loving suggestion 😉

Update guys! Completed reading another book. Book count: 263 😊

@jordanj.5681

4 жыл бұрын

bnsgokugreat stop social signalling and go put it to work

@Kzombie

4 жыл бұрын

Wow that is amazing. Keep up the good work! Just kidding.. no one cares man.

@ReggSess

4 жыл бұрын

How has that changed your life?

@bnsgokugreat

4 жыл бұрын

@@ReggSess I have lost 57 pounds, learning 7 more languages and leading an awesome life! I am now interviewing world experts on health and mindset who helped me in this journey :D

@ross-lt4mc

4 жыл бұрын

bnsgokugreat stop talking shit

A great deal of their ideas from Dave Ramsey in terms of personal finance.

This helps my life so much

Loving Ramit's realness vibes 'People are asking me oh Ramit should I change my savings account....WHY ARE YOU ASKING ME THIS' hahahahaha thanks for reminding me that I can totally be myself!

Just great!

jesuuuuss, as he was talking about the briefcase technic, I caught myself breathing so heavy, like I just run 100miles. that shit hits men. and that what imma do. thank you

I love the concept of CEO.

Tom is a genius 👏 I want my kids to take his mindset and not get turned away due to the cussing. But this is a must watch episode

Excellent talk, and gotta respect Tom for the Elon t-shirt!

I am a mother and a grandmother and I am learning and understanding more and more that this virus is manageable... And doctors are speaking out about this and jmhow they are treating this virus and watch what is being done with people are trying to ask questions and figure this out. I think people need to ask more questions about this whole thing!!?!? Why are doctors trying to speak out .. I have a son I n college... And this is out of hand....

So what I hear is 1. save money by delaying payments and worry about investing later 2. make more money by starting a business 3. Control your mindset 4. Job market is not in a employee's favor

Lots of great advice here! Things we know but need to hear smh. Thanks again for a great interview Tom!

Love both you guys who have changed my life. Tom the sound is not so good. Maybe a mike would help ?

Thats hard !!!! .. i like that..... what would i love failing at...

This is quite intreating and informative,, Visualize your goals, make it achievable, A million dollar or pounds is not a lot in terms of todays fiat currency but at least make it your minimum short term goal, crypto is one of the fast rising and best thing to invest in now, then see how ecstatic you will be in due time or future.

@King_jacky

3 жыл бұрын

Exactly my taught, just use some $ $ and invest in crypto currency than buying some crab you won't use or value, Your future self will thank you and bitcoin is becoming the future value despite the fluctuations.

@siegelmc9061

3 жыл бұрын

sounds good but will recommend anyone going Into any crypto currency investment to do a bar ground check up to ensure his investing in a solid foundation source, An alternative, seek guidance from some pro trader's and more to avoid loses of funds.

@cxaservices8376

3 жыл бұрын

Hello I keep losing trying to invest with some online KZread trader's but I'm still Trading to improve my techniques, I just need a better source to invest and earn, any recommendations please?

@siegelmc9061

3 жыл бұрын

In all my years of trading's and research the most valuable insight was getting in touch with a pro trader Briggs Donald, and ever since I started investing with him have been making cool profits like never before, will recommend him as one of the best trader due to my experience with him, A trial will definitely prove.

@siegelmc9061

3 жыл бұрын

feel free to reach him via mail @,, His Fb page @,,,,, Briggs Donald

Great vid! Which software do you use to record these?

I have never seen this, Ramit is wearing a headset with TWO earphones!