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These are all very smart and achievable ideas. Now to convince my partner to downsize the streaming services we have...

Love this!

New subscriber here, love your videos❤what do you work as if you don’t mind me asking😊

I 100% agree. My husband (of 6 years) and I have a joint account for our mortgage, house bills, groceries and for our cat🐈‍⬛ that we both put money into when we are paid. Then we have our separate bank accounts for everything else. I would never fully combine my finances with anyone!🙅🏻‍♀️Im always working hard to make more money myself & get salary increases each year🖤💶Love earning my own money & having my own savings and financial security.

Auto-deposit, very smart. I'm joining you.

LOVE THIS VIDEO!! I am starting with a no spend month, then the second quarter of the year will also be no spend. Really looking forward to this challenge!!

Love how succint this is, and not the norm ideas for no buys! Front loading 401K, forced no buy is brilliant! I have done no buy years several times and still was taking notes, thank you!!

I'm doing a no-buy January (at all - I plan to literally EMPTY my cupboards/freezer before I buy anything!) and I'm already nervous haha. Going to the shop to buy £15 of stuff I really don't need has become a daily habit for me to the point I get quite fidgety if I don't go! Also wow. I don't have a 401k, but your contribution is basically my yearly income after tax lmao, so I guess that one is out for me haha.

Love the library resources!

Your lattes do look amazing

New viewer, and I loved this video! Straight to the point and I’m def gonna do some of these myself. If you don’t mind sharing, what program do you use to edit your videos and shorts?

Love the video, just have one thought tho - isn't a financial year running from April to April, so basically 401K contributions are back loading as Jan-Mar is end of this tax year.

The strategy of front loading is super helpful

A very clever approach is to make the majority of your 401 contributions at the beginning of the year in order to be more flexible for the remaining months. All in all, very realistic goals, thanks for sharing!

Yay for supporting the library.

Love the editing style! Definitely a change of pace and helpful graphics for someone I can relate to!

Love it! The editing on your videos is always so pleasing.

👏

Love the longer-form video! I am excited to use your Budget Planner to keep more of an eye on and be more intentional about purchases. I need to find a few recipes that are good for me for eating at work so that I'm not tempted to go out to lunch with my friends!

Love the long form videos!!! Can’t wait to watch for more 🫶

❤ so excited to get RUclips videos!

So happy you're making longer format videos on RUclips! One of my favorite things about your videos on Instagram is that you DO NOT talk unnaturally fast. There are so many videos these days where people talk distractingly fast and edit their videos to make the audio and visuals go by way too quick. Your videos are soothing, relaxing, informative, easy to digest, and very pleasant to watch and listen to, so I'm glad you're expanding with RUclips! I super appreciate all the work you and your partner put into your content. Top tier, easily!

I don’t know why I like your content so much😂, but here to support your RUclips! God bless!

Here from Instagram! Excited for your RUclips channel to flourish!

I think it’s easy to loose your self meaning sometimes in a relationship ….20years can go by and you never learned to do certain things he only handles it or she only handled it …that was me….then one day I was thinking what if he gets up and walks out on me and my kids or dies…how will I support myself my kids….how will I learn to pay bills under such pressure or just whatever, I went back to school am doing what I love helping with supporting my family my husband and I do all 50/50 while I am saving for my own retirement…I think Mackenzie you have some pretty good advice here with or without qualifications. People REALLY need to think about this stuff ….woman and men both alike. You need to be able to stand on your own two feet.

I wonder what qualifications you have to dare to tell people how they need to manage their life and couple? Can we be fine with this attitude already, everyone complains about mansplaining, but this is a tendency that most people do men and women, we in today's world think way too much of ourselves and it's tiring!!! Chill the F out, live your life the way you desire and let others live theirs

You'll be alone for life, because the man you want doesn't care about the things you care about. Good thing you already have the cats. And telling women to make a hidden bank account? You're embarrassing. Any man finds out she's hiding money to run from him? She will be immediately using it, cause her crap goes on the lawn and the locks get changed. Be a woman instead of a feminist. Men aren't playing this game.

You've inspired me to make a budget tracker that works and I'm building out the Sinking Fund aspect! Thank you so much and please keep doing what you're doing! I look up to you so much and I know I can take control of my finances <3 Love the content you put out and I appreciate your hard work into these videos educating everyone! :)

Hi Mckenzie, Quick question. For the 401k your putting in 482.09 a check, that would leave you about 10k short for the year. Do you add more in the beginning of the year?

I totally agree with you on this one!! Its always easy to quickly criticize but we forget that there was a struggle that was probably there before their glory❤️💜🥰we got to stay positive for ourselves and others!!

Love this!

100% depends on the interest paid and roi on investments made instead.

And the beautiful amortization table that is so favourable to the consumer. Most are divorced or upgrade their homes within 7 years of purchase, so the interest front end loaded loan , if no extra payments are applied, is a bleek thing to discover.😢

You’re ignoring the interest payments that you’re not making if you pay off early. For every extra dollar paid on the principal, you don’t pay interest on that for the rest of the term. It’s not as simple as you make it sound.

In New Zealand we don't pay interest on student loans