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It is nice to see someone make small changes that result in big payoffs. Quit going to the mall and no impulse spending was the key to not getting into debt for me. Congratulations to you.

Whooooa that Citi card! Congrats girl!

Ditch the peleton and walk outside, stop going out to eat and instead meal prep healthy meals. Lean chicken breasts and broccoli are pretty affordable. Save your money and save your health. Who TF even buys a Peleton????

I thought you financed the peloton instead of a gym membership?

Exercise is a huge part of mental health and can help you stay motivated to get out of debt, so definitely not judging the Peloton.

Great job 🎉🎉

Way to go!! You should be so proud of yourself!

Catching up on your videos - great work!

From the debt free side. I make 120K a year. I have a net worth 1.7 million. Small paid for house. No debt at all. no kids. Single. No one knows I am financially stable except my parents. I have money in mutual funds, high yield savings. Also 15% of my check goes to Roth. I am 41. I am going to retire at 51 (I am an RN). The key to my situation is 1. No debt EVER. 2. Living within my means. It is worth it to get debt free. It is freedom.

Hi Reyler 👋 great video 😊🩵

Keep going girl!!!!!🎉🎉🎉

Congratulations ❤

Congrats 💜 I'm in NYC. We did a City Hall wedding and lunch after at a restaurant. It was perfect.

Congratulations ❤

Congratulations on your engagement and great video.

Hi Reyler 👋 great update 😊

Completely AGREE with the you still have to live while on the journey. Tomorrow is not promised. I will not just sit around being miserable while working on what could be.

I missed this episode

I never miss a video from you

I have been a fan since you started. I have now started a RUclips channel about financial freedom. I will keep watching and I would love to see you more frequently

Fellow NYer too (but I have a speeding ticket on my record 🙃 soooo I won't share what we pay haha) - $200 could be average. Always get quotes tho! I switched from Geico TO Progressive. Also if you haven't/if you can, taking the defensive driving course helps lower the cost too.

new subbie wow you have done a excellent job.keep it up.dont let these sour folks get to you.

How can i do this if i am only paid monthly. I always seem to get tre accounts wrong 😢

Great cash stuffing! New subscriber! ❤

I really like your explanation of the pelaton. I wish you the best of luck to knock these debts out. What more could you do working 60 plus hours a week?

Small business owner here-and fellow lefty :) Just wanted to say a big thank you for your transparency, clarity, and thoroughness. This video is such an important resource. Thank you for taking the time to make it.

I'm doing it along with you! Shoot I'm only left with $15 to stuff...and my paper is a mess! Lol..ok I'm back today is the 11th ok and about 3 bills were taken out of my bank...How do I calculate from here..do I start as if a brand new month? I'm so confused!!! Ex: 3bills came out I have about 513.00 left and in a couple of days I'll have 2 more come out before my next check! And then I have 3 more coming out after that HELP!!

Giiiiiirl! I am so proud of you with that Citi card!!! How awesome is it going to be to take that money and start paying off some other stuff!!!

Its summer, you're busy, you're in a different routine, and youre doing all the things .... Are you going you come back with a check in video soon?

One step at a time, you got this

New subbie alert ‼️

I was married at 19 and had my first child at 23, I couldnt imagine my mom or dad still having to help my husband and I pay my bills at your age. At some point you need to grow up and pay your own debt

I love how transparent you are and I love the thumbnail to your Channel 😊

Hey Reyler. Thanks for sharing your story. My debt is somewhere in between 80,000 and 125,000 if I include things that are written off as bad debt and will fall off in 7 years like everyone says. About 75,000 of that is student loans. My parents helped me a lot over the years too and they still do and I help them back a lot as well. I didn't pay for private school, I actually took out loans over multiple attempts at completing college, and finally finished this last time. Everybody has their own path and their own successes and burdens in this life so don't let anyone judge you. Take care of you and your family and honor the God you believe in and serve day by day cuz that's all any of us can do. Take care.

Welcome back!

Keep at it girl

Keep going look within yourself for even more encouragement 🎉🎉🎉🎉

I’m so glad I stumbled on your videos! I admire your transparency- the internet is a scary place when you get vulnerable! Congrats on your progress- paying off debt is no joke. A couple questions… when you say “we” are you referring to a partner you have? Are you married? And have you started a retirement account? And what is your degree in? 🥰❤️🫶🏻

Hi Reyler 👋

I’m originally from New Jersey and I was paying about $100/month for full coverage on my car. I moved out to Colorado and I pay about $120/month. I would do some research or call companies. They may give you a good rate for switching. Glad to see you back at it! Love your videos!

Good job with the Citi card! I've been trying to take more control of my spending, and highly recommend Rocket Money if you would like a detailed spending breakdown. You can link different banking accounts and they will create an overview of your monthly spending, reoccurring charges, etc. You can also enter a budget too.

Good to see you Rachel!

I’m curious about your side hustle. Let us know what you’re doing for new ideas

Hey girlie!! Glad you're back! What kind of side hustles are you doing?? I need ideas 👀 💚💚💚

I'm glad to see you back. Congrats on getting your first debt paid off!

Great job with that credit card!! Can't believe there were people saying all that crap about you! You do you!! 💚💚💚

i am so proud of you, you doing good.

Great job paying 11k to debt way too kick ass!!! I’m here for all the things and would love to see your budget. You are so motivating and inspiring me to make videos again. We are so proud of you! Keep going!

Hey there! Great job on the progress! I get what you mean wanting to pay off your debt sooner than 10 years, but I’d definitely keep exploring your options. With a lower balance on the federal student loan, it might not make a huge impact to get it forgiven after all those minimum payments, but it could help you save for other goals. Good luck! Looking forward to the future progress too 🙌🏼

Good start on your debt journey.