Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
People often overlook the value of financial advisors until they experience the downside of emotional decision-making. I recall a few summers ago, after a difficult divorce, when I needed help reviving my struggling business. I did some research and found a licensed advisor who worked diligently to grow my reserves, even amid inflation. As a result, my reserves grew from $275k to around $750k.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Not gonna lie, seeing that super fast budgeting was impressive. Literally anyone could it. There's no actual resistance. Getting the numbers in one spot will take longer than inputting it.
No they don’t. I live in a 3 bed, 2 bath. Average electricity is less than 100. Thermostat set at 73. George is listing examples on how to budget. The numbers are different for each person. Some people just can’t help trashing those trying to help. 😂
In fall we use less than $100 on electricity. It depends on geography for sure and season. But this was just an average guess. Depends on home size, family size, usage, etc. you do you
I’ve been diligently working, saving, and contributing towards early retirement and financial freedom, but the economy so far has caused my portfolio to underperform. Do I keep contributing to my 401k or look at alternative sectors to meet my goals?
Yes to advisory service; my portfolio is well-matched for every season of the market and recently hit 60% rise from early last year to date, summing up approx. $550k ROI. I and my FA are working on a 7-figure ballpark goal, though this could take another year.
Sophia Verdekal O'neal is the licensed advisor I use. Just research the name. You’d find necessary details to work with and set up an appointment if you like.
Thanks for putting this out... just inputted her full name on the web and at once found her consulting page; she seems highly professional and well-matched for the job.
You must give yourself enough money for a bit of enjoyment and for random expenses. Even though you want to get out of debt quickly, make sure you’re smart and only put money that you will not miss/need. Boredom can lead to bad purchases with a credit card. Trust me I’ve been guilty of this. Once you find the sweet spot of a good amount of money going toward debt, and a decent amount of money for yourself you are set. My girlfriend and I after this payday will have just under 6k left in debt after starting the year at around 25k. We will be debt free right at the new year and can’t wait!
If you were following this plan you couldnt spend on a cc cause you are supposed to cut them up lol. And if you get bored GO FIND ANOTHER JOB, get out of debt and start living a great life after, its worth it
I agree it's important to have some fun money too. A reasonable amount not too much. You have to find joy in day to day life or you will fall off the wagon
@@donjohnson1416 I do keep a credit card because I think it can be a useful tool if used correctly. I don’t follow the Ramsey plan 100%. I definitely agree with the debt advice but using a credit card responsibly can be beneficial. If you choose to get rid of cards entirely that is okay too, both options can be beneficial, and in both instances , discipline needs to be practiced.
Same accounting nerd here. I've had an excel budget since I graduated college and moved out. App looks cool though, if only it didn't require a subscription after the free trial. His budget is funny though let's pay our debts off but not reduce the 10% were giving to a church. We can reduce the amount of food we can eat though 😂😂 love God but is he more important then food? 😅
I've been using EveryDollar with success (after years of not really sticking to a budget so 🎉 yeah me. BUUUT my struggle here is I'm spending 1500 a month on groceries. Family of 6. I cook almost entirely from scratch and that $1500 does not include meat as I buy that yearly from a farmer. All the budgeting videos I watch, even for families, their groceries are way less. Are these figures in videos out of date or do I need to enforce a diet on my skinny family. 😅
Look I love George and his videos, but I’ve tried like twice already to use that app and it seems really complicated when you have 2 incomes! I’ll just stick to my excel at this point
I was homeless, did drugs, went into prison, where I got to know God. He changed my life. Now I have a home, a Husband and a lovely daughter (Jessica), and a stream of income that gets me $44,000 Every month. Plus a new identity - a child of God. Hallelujah!!!
I am Canadian and really enjoy your videos. I have tried many budgeting apps, and would love to try this one, but i live in Canada and ots not available to me. Can you make it available to Canadians, and if not, do you have any similar recommendations? I have used YNAB in the past, but its not as simple.
... I actually thought he was too generous in what he budgeted for the utilities. But it's like anything else, COL varies depending upon where you live
Almost like everyone is different. In October 2024 all my utility bills combined were $175. It's usually a little higher, but if you're making a unique budget every month, some months could be around those prices. We also usually spend between $400 and $500 for groceries for 3 people. Would be closer to $600 if we did no restaurants. (Midwest city.)
@@kimberlylepine5115 Mine's pretty old, actually (15 years), but the AC guys keep being able to repair it by replacing parts each time something goes wrong (which has happened twice now in the three years I've owned the house). Fingers crossed they can keep doing that for awhile yet because repairs are so much cheaper than a whole new system
@@kimberlylepine5115 I'll also admit that I found his utilities generous by adding up his total and adding up my total. I spend way less on my water bill and I don't have natural gas, but my electric is higher than he allocated (but, of course, by not having natural gas, my electric is doing more) It helps that I don't pay for sewer since I have a septic tank and I get my electric from a cooperative instead of a for-profit company
We do save monthly 20%, invest 20%, the rest of the money is to pay bills, mortgages, and necessities and fun. To be honest I feel like we can save way more than 20% but we are so bad with budgeting the leftover 60%. So this will help to trim the fat out on that 60%.
That was impressive. What do you do if your income varies every paycheck? I won't know what I made till the paycheck comes. I get paid a base pay + and the + can be a few thousand, or just a couple of hundred, or zero (cause it gets rolled over to the next pay period).
5:10 Giving "10% to our local church..." not if your budget ends up negative. Budget your expenses, invest what you should and THEN, if and ONLY if there are money left, give to the "local church". Unlike you, they are not paying taxes.
Some people have shorter commutes. Some people have hybrids. Some people work from home. It's just an example. These numbers are right in line with my family.
While I like the idea of a budget I think a lot of these numbers are generously low. Also 650 to the church? 100 maybe, but even then there's other things to give charity towards.
I've found trash ranges widely depending not just on where you are, but what services you have. For instance, I pay $63 every three months, but that is only regular household trash. No bigger items, no yard waste. My parents live in a different city and pay much, much more than me, but they have full service including weekly yard waste and monthly big item pick-up
waste products like used paper, tin cans, unusable food and plastic things of that nature are called trash. We put it by the street or bring it directly to a dump to be taken care of. It coats money to do so. It’s different depending where you live at my house it’s included in property taxes. They pick it up on the street in a large container
George, where do you live that a household electricity is only $100 per month? My wife and I live in an all electric apartment. We keep the lights off, minimize the HVAC and keep the doors close. We run a TV in the evening, a desktop PC for work from home, and our electricity is average $180, and those are the low months. Once the heat kicks in it will jump to $200-300
Right!!! Maybe ppl don’t have cable but Netflix and subscriptions do provide a cultural connection and relaxation after working 70 hours a week just to catch up on taxes and benefits if ppl have 401k, medical deductibles and car insurance, we need ideas on how to MAKE MONEY!
DSHS found an apartment for me in Washington State after septic shock put me in a wheelchair. It’s not wheelchair accessible, but at least it’s ground floor, but the electric bill has gone from an average of $40 a month to $400 a month. There’s no insulation to speak of and the heaters right under the windows just pump all the heat up and out. 🤷♀️ But they give me help paying the electric bill. It’s as if the power company is in league with the shoddy builders/landlords to maximize power usage that taxpayers will pay for.
This system assumes you get all your monthly income before your expenses are due or that you’re already a paycheck ahead. Budgeting by income instead of monthly makes more sense for executing because of the timing of money being spent and money hitting your account. Using a credit card to float your expenses until you get paid would alleviate this issue for monthly budgeting… ironiccccc
This is precisely why the argument that teaching finances in school would fix everything is false. It’s not about the math, we can all do the math. It’s about sticking to the plan!
Bring Stephanie Janis Stiefel on the show. She changed my life Financially I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Stephanie Janis Stiefel, for her expertise and exposure to different areas of the market.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as a former employee at Goldman Sachs; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Well her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Its based on giving away 10% of your income, noone telling u to give it to the Church 😃 u can give to animals, people in need, ant charity or pay for something for someone u specifically know they need help
@@adarackova4633 nah, if someone's swimming in debt or just struggling with the current cost of living, they shouldn't feel the need to give away 10%. I am personally in need of that 10% 😂
If you don’t wanna give it to church, consider giving it to a charity of your choice. Giving tithe is done for the community because religious institutions used to be the centre of the community and would help anyone who needed it. There is no malicious intent behind it.
George, don't call Every Dollar a free app if it's only free for a temporary free trial. There is a required payment in which you have two choices either 79.99 for a year or 17.99 a month. Do not false advertise that's wrong
Show me proof that the trial version and that's only temporarily free by the way which is a fact, which allows you to do a simple budget show me proof of that because I just downloaded this every dollar app earlier this morning and it would not let me do anything...WITHOUT having to provide car payment information so that their systems will automatically draft either the 1799 a month or the 79.999 a year once your free trial ends in order to make use of the free trial of using the app. Because I just tried it again and guess what exact same scenario you have to input payment information just to be able to still take advantage of the free trial. So no no matter what your little feelings want it is a fact this app is not free no matter what in the end. If you have to put in payment card information there's always a chance any company can take money from the account connected to that card and no I'm not calling Ramsey Solutions evil it's just the fact that if it was truly a free app in any context of the word free they wouldn't require any form of payment information up front just to use the basic features of it even if it was a free trial and if it was a free trial it shouldn't require payment information and it should automatically stopped working after so many days and it can make a log of your you don't just come back with trying to get it free again over and over and over
@@TheSmokedance you're not because you still had to provide a car payment information up front so that way when the trial period ends they're going to charge you either $17.99 a month or $79.99 for a 12-month period unless you choose to end that free trial just before it ends and then figure out a way to re-download the app reinstall and more specifically create a new user account. The last I checked you can have fun with that hassle I'm not doing it but the bottom line is if you have to provide payment information up front to use what it's supposed to be a free app even if it's a free trial that's not free. Are you one of those numbskulls that thinks that Free Housing is free and it didn't come out of taxpayer dollars also? -_-
5:20 to 5:30 a water bill of only 50 bucks a month for 2 1/2 people in a house of that cost with chances are is in a nice neighborhood which chances are the water bill will be naturally higher than if it was out in the country or County? Who are you trying to fool get real that water bill will be more like 75.00 to 120
This guy says they don’t need cable and then doesn’t have a line item for internet. Some of the amounts he puts on here are laughable even on the tightest of budgets
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
People often overlook the value of financial advisors until they experience the downside of emotional decision-making. I recall a few summers ago, after a difficult divorce, when I needed help reviving my struggling business. I did some research and found a licensed advisor who worked diligently to grow my reserves, even amid inflation. As a result, my reserves grew from $275k to around $750k.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Not gonna lie, seeing that super fast budgeting was impressive. Literally anyone could it. There's no actual resistance. Getting the numbers in one spot will take longer than inputting it.
When you zero out the Restaurant line item, you should increase the grocery amount somewhat to cover those additional at-home meals.
I agree, you gotta add at least 1/3 of that
I agree budgeting was the breakthrough for me!….wish i started years ago would have been in a better place
I have trouble sticking to my budget but still manage to save 60% of my paycheck, I hope to improve it to further add to my investments 🔥
How embarrassing but same here.
Challenge yourself
Wow thats amazing. Well done! 💸
Wow, amazing budgeting video. Great channel ☺️
Thank you for your fun and easy videos! I'll watch this again while I make my budget this month!
Even people in a tiny house pay more than $100 a month for electricity. Two parents working is also not spending that little on gas.
No they don’t. I live in a 3 bed, 2 bath. Average electricity is less than 100. Thermostat set at 73. George is listing examples on how to budget. The numbers are different for each person. Some people just can’t help trashing those trying to help. 😂
In fall we use less than $100 on electricity. It depends on geography for sure and season. But this was just an average guess. Depends on home size, family size, usage, etc. you do you
This is a fictional family. He's just entering in round numbers to show how easy the app is to use.
Great video. Thanks for sharing. New subscriber. Also, you have a great sense of humour 😊
I’ve been diligently working, saving, and contributing towards early retirement and financial freedom, but the economy so far has caused my portfolio to underperform. Do I keep contributing to my 401k or look at alternative sectors to meet my goals?
Keep contributing; remember you are in for the long haul. However, I'd suggest you consider advisory services at this point in time.
Yes to advisory service; my portfolio is well-matched for every season of the market and recently hit 60% rise from early last year to date, summing up approx. $550k ROI. I and my FA are working on a 7-figure ballpark goal, though this could take another year.
Sophia Verdekal O'neal is the licensed advisor I use. Just research the name. You’d find necessary details to work with and set up an appointment if you like.
Thanks for putting this out... just inputted her full name on the web and at once found her consulting page; she seems highly professional and well-matched for the job.
I drive a Toyota 4Runner I dont spend much on maintenance. Love it haha
You must give yourself enough money for a bit of enjoyment and for random expenses. Even though you want to get out of debt quickly, make sure you’re smart and only put money that you will not miss/need. Boredom can lead to bad purchases with a credit card. Trust me I’ve been guilty of this. Once you find the sweet spot of a good amount of money going toward debt, and a decent amount of money for yourself you are set. My girlfriend and I after this payday will have just under 6k left in debt after starting the year at around 25k. We will be debt free right at the new year and can’t wait!
If you were following this plan you couldnt spend on a cc cause you are supposed to cut them up lol. And if you get bored GO FIND ANOTHER JOB, get out of debt and start living a great life after, its worth it
I agree it's important to have some fun money too. A reasonable amount not too much. You have to find joy in day to day life or you will fall off the wagon
@@donjohnson1416 I do keep a credit card because I think it can be a useful tool if used correctly. I don’t follow the Ramsey plan 100%. I definitely agree with the debt advice but using a credit card responsibly can be beneficial. If you choose to get rid of cards entirely that is okay too, both options can be beneficial, and in both instances , discipline needs to be practiced.
No, go outside, play a board game, play card, read a book, take a walk, play a sport. All very minimal cost.
2:50 to 2:55 made me laugh out loud, couldn't resist it, good stuff George and Editors! Big fan here!
Totally don't need help building a budget, but I'll watch any video about budgeting as an aforementioned "excel-loving accountant"!
love that shit as well
Same lmao
Then this isn't for you 😒, it's for those who don't budget, don't know how to , and those who need to.
Same accounting nerd here. I've had an excel budget since I graduated college and moved out. App looks cool though, if only it didn't require a subscription after the free trial.
His budget is funny though let's pay our debts off but not reduce the 10% were giving to a church. We can reduce the amount of food we can eat though 😂😂 love God but is he more important then food? 😅
Budgeting for the first time in October and just started filling out November… I need a side hustle 😂
Well done!
I've been using EveryDollar with success (after years of not really sticking to a budget so 🎉 yeah me. BUUUT my struggle here is I'm spending 1500 a month on groceries. Family of 6. I cook almost entirely from scratch and that $1500 does not include meat as I buy that yearly from a farmer. All the budgeting videos I watch, even for families, their groceries are way less. Are these figures in videos out of date or do I need to enforce a diet on my skinny family. 😅
Look I love George and his videos, but I’ve tried like twice already to use that app and it seems really complicated when you have 2 incomes! I’ll just stick to my excel at this point
Why would you donate when you’re still in debt? I thought that step came later.
I like to imagine all the employees at Ramsey being secret YNAB users 😆
Hello fellow YNABer 👋🏼😂
Another YNABer here. 😉
Your SNL George Washington reference is incredible
I was homeless, did drugs, went into prison, where I got to know God. He changed my life. Now I have a home, a Husband and a lovely daughter (Jessica), and a stream of income that gets me $44,000 Every month. Plus a new identity - a child of God. Hallelujah!!!
The thought of knowing a change is coming just leaves that glimpse of hope. Thank you for this
Excuse me for real?, how is that possible I have struggling financially, how was that possible?
Big thanks to Mrs Kate Elizabeth Becherer❤️❤️
Her top notch guidance and expertise on digital market changed the game for me
And to think that I started with the sum of $11,500 remains a miracle
I needed this video. Thanks George!
Edit:
The joke at 2:50. I've heard it before on this channel but it still makes me LOL😂
I am Canadian and really enjoy your videos. I have tried many budgeting apps, and would love to try this one, but i live in Canada and ots not available to me. Can you make it available to Canadians, and if not, do you have any similar recommendations? I have used YNAB in the past, but its not as simple.
How much per year is the delete-me subscription? 😮
And how much for the "Every Dollar" app? Did he add that into the budget? .....it ain't free y'all!
@@MiSheRu682yes it is, if you manually enter it all, it's free
@@MiSheRu682It actually is free. I’ve been using the free version for years.
where do you get those prices for utilities ? and groceries ? (not in 2024)
... I actually thought he was too generous in what he budgeted for the utilities. But it's like anything else, COL varies depending upon where you live
Almost like everyone is different. In October 2024 all my utility bills combined were $175. It's usually a little higher, but if you're making a unique budget every month, some months could be around those prices. We also usually spend between $400 and $500 for groceries for 3 people. Would be closer to $600 if we did no restaurants. (Midwest city.)
How old is your HVAC? I know I sound like someone's dad, but the new ones don't suck the life out of the grid like a filthy old one does.
@@kimberlylepine5115 Mine's pretty old, actually (15 years), but the AC guys keep being able to repair it by replacing parts each time something goes wrong (which has happened twice now in the three years I've owned the house). Fingers crossed they can keep doing that for awhile yet because repairs are so much cheaper than a whole new system
@@kimberlylepine5115 I'll also admit that I found his utilities generous by adding up his total and adding up my total. I spend way less on my water bill and I don't have natural gas, but my electric is higher than he allocated (but, of course, by not having natural gas, my electric is doing more)
It helps that I don't pay for sewer since I have a septic tank and I get my electric from a cooperative instead of a for-profit company
We do save monthly 20%, invest 20%, the rest of the money is to pay bills, mortgages, and necessities and fun. To be honest I feel like we can save way more than 20% but we are so bad with budgeting the leftover 60%. So this will help to trim the fat out on that 60%.
Simply put everything on autopay, use grocery pickup. Never missed a bill in 36 years 👍🏻
Me living in Canada spending $500 a month on gas.... But the rest of my expenses are lower so ha!! 😂
I saw an extra 650$ that could be going towards debt
Honestly understand the product should cost money because otherwise it turns out like MINT, but wish the price tag was less.
You need to break it down per pay period..what paycheck pays which bills..If you have a months expenses in the bank you can pay all bills on the 1st.
That was impressive. What do you do if your income varies every paycheck? I won't know what I made till the paycheck comes. I get paid a base pay + and the + can be a few thousand, or just a couple of hundred, or zero (cause it gets rolled over to the next pay period).
I have a budget, and try to budget the unexpected. Some how my credit card debt, doesn't drop. 😢
5:10 Giving "10% to our local church..." not if your budget ends up negative. Budget your expenses, invest what you should and THEN, if and ONLY if there are money left, give to the "local church". Unlike you, they are not paying taxes.
Tried to download the budget app: not available in your country ... Well darn
Where do you get the free gas from? It cost me $50 a week to go to work. And lights and groceries are to low brother but the app looks good
Some people have shorter commutes. Some people have hybrids. Some people work from home. It's just an example. These numbers are right in line with my family.
Lol I spend $100 a week on gas getting to work
Entertainment/mini golf is different than fun money?
And once a month! After working so hard all week!?!
While I like the idea of a budget I think a lot of these numbers are generously low. Also 650 to the church? 100 maybe, but even then there's other things to give charity towards.
Tithe is 10 percent
did he just leave in the 650 for the church? its important to be generous, but JC will unterstand ....
If you don't get it, then it's not for you
I tithe 10% and I can’t really afford it, but magically He always provides🩷
$15 a month for trash? I'm being charged almost $100 every 3 months. So like $33 a month. Is that not normal?
I've found trash ranges widely depending not just on where you are, but what services you have. For instance, I pay $63 every three months, but that is only regular household trash. No bigger items, no yard waste. My parents live in a different city and pay much, much more than me, but they have full service including weekly yard waste and monthly big item pick-up
I pay $20 per month for trash/recycling as part of my water bill. includes large item pickup, 2x per year yard waste, taxes. I live in a city.
Yes. Kamel is being quixotic.
I'm about the same in MA $385/year, (pickup-trash, recycle weekly)
Mine is 38.50 a month. And the company said it will rise with inflation.
0:17, 😆
I am not American. Can someone please explain the "trash" line item? Thanks
waste products like used paper, tin cans, unusable food and plastic things of that nature are called trash. We put it by the street or bring it directly to a dump to be taken care of. It coats money to do so. It’s different depending where you live at my house it’s included in property taxes. They pick it up on the street in a large container
@@TimothyKennedy-t5r Noted. Thanks. So it is pretty much waste management services cost.
@@gmpn0r12stwitch5 yes
Kamel Kamel Kamel!!!
Cause? CJC!
George, where do you live that a household electricity is only $100 per month? My wife and I live in an all electric apartment. We keep the lights off, minimize the HVAC and keep the doors close. We run a TV in the evening, a desktop PC for work from home, and our electricity is average $180, and those are the low months. Once the heat kicks in it will jump to $200-300
Right!!! Maybe ppl don’t have cable but Netflix and subscriptions do provide a cultural connection and relaxation after working 70 hours a week just to catch up on taxes and benefits if ppl have 401k, medical deductibles and car insurance, we need ideas on how to MAKE MONEY!
No one gonna talk about the 10% to your church. Imagine if you put that towards your debt??
7:30 Wait, should I be listening to a person who "can't spell finance" (by his own admission) for financial advice? (Just kidding, George is great.)
i dont even have to care about what he's talking about, the man's just straight entertaining.
They must the on some amazing medical & dental insurance to be able to not budget anything for medical bills & medicine.
DSHS found an apartment for me in Washington State after septic shock put me in a wheelchair. It’s not wheelchair accessible, but at least it’s ground floor, but the electric bill has gone from an average of $40 a month to $400 a month. There’s no insulation to speak of and the heaters right under the windows just pump all the heat up and out. 🤷♀️ But they give me help paying the electric bill. It’s as if the power company is in league with the shoddy builders/landlords to maximize power usage that taxpayers will pay for.
It the “and stick to it” that got me to click
Personally I like YNAB better than every dollar. But the important thing is to use something.
I chose my bank on their personal finance module. Every dollar charges to link your accounts and my bank doesnt. Does YNAB?
@@jacobawojtowiczYes.
@@jacobawojtowicz ynab is purely paid. YNAB does like with almost all of my accounts (car loan and investment accounts are the two exceptions)
@@jacobawojtowiczyes YNAB also charges for this, they don’t have a free version. You could use every dollar for free if you really wanted
This system assumes you get all your monthly income before your expenses are due or that you’re already a paycheck ahead. Budgeting by income instead of monthly makes more sense for executing because of the timing of money being spent and money hitting your account. Using a credit card to float your expenses until you get paid would alleviate this issue for monthly budgeting… ironiccccc
It’s never about MAKING the budget; it’s about STICKING to it.
This is precisely why the argument that teaching finances in school would fix everything is false. It’s not about the math, we can all do the math. It’s about sticking to the plan!
Question, where do I put my emergency fund, 6 month of expenses, savings fund? What would be your suggestion?
High yield savings account.
High yield savings account
Bring Stephanie Janis Stiefel on the show. She changed my life Financially I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Stephanie Janis Stiefel, for her expertise and exposure to different areas of the market.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as a former employee at Goldman Sachs; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
How can i reach her, if you don't mind me asking?
Well her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Been debt free for two years thanks to Stephanie Janis Stiefel. So sad to see my friends in their 40s with car loans, mortgages and credit card debt.
Thank you for putting this out looked--up STEPHANIE JANIS STIEFEL, her consuIting page came up at once, she seems highly grounded
Yy
$650 to church makes me glad I'm an atheist lol
He wants you to take on a side hustle in order to give church 650 a month pffff insanity 🤯
Its based on giving away 10% of your income, noone telling u to give it to the Church 😃 u can give to animals, people in need, ant charity or pay for something for someone u specifically know they need help
@@adarackova4633 nah, if someone's swimming in debt or just struggling with the current cost of living, they shouldn't feel the need to give away 10%. I am personally in need of that 10% 😂
If you don’t wanna give it to church, consider giving it to a charity of your choice. Giving tithe is done for the community because religious institutions used to be the centre of the community and would help anyone who needed it. There is no malicious intent behind it.
I feel sorry for your troubles church giving beautiful
6:22 is George a mommy?? 👖 👖
George, don't call Every Dollar a free app if it's only free for a temporary free trial. There is a required payment in which you have two choices either 79.99 for a year or 17.99 a month. Do not false advertise that's wrong
How am I using it for free then?
It is free. There are two versions of every dollar. You are using the premium one
Show me proof that the trial version and that's only temporarily free by the way which is a fact, which allows you to do a simple budget show me proof of that because I just downloaded this every dollar app earlier this morning and it would not let me do anything...WITHOUT having to provide car payment information so that their systems will automatically draft either the 1799 a month or the 79.999 a year once your free trial ends in order to make use of the free trial of using the app. Because I just tried it again and guess what exact same scenario you have to input payment information just to be able to still take advantage of the free trial. So no no matter what your little feelings want it is a fact this app is not free no matter what in the end. If you have to put in payment card information there's always a chance any company can take money from the account connected to that card and no I'm not calling Ramsey Solutions evil it's just the fact that if it was truly a free app in any context of the word free they wouldn't require any form of payment information up front just to use the basic features of it even if it was a free trial and if it was a free trial it shouldn't require payment information and it should automatically stopped working after so many days and it can make a log of your you don't just come back with trying to get it free again over and over and over
@@TheSmokedance you're not because you still had to provide a car payment information up front so that way when the trial period ends they're going to charge you either $17.99 a month or $79.99 for a 12-month period unless you choose to end that free trial just before it ends and then figure out a way to re-download the app reinstall and more specifically create a new user account. The last I checked you can have fun with that hassle I'm not doing it but the bottom line is if you have to provide payment information up front to use what it's supposed to be a free app even if it's a free trial that's not free.
Are you one of those numbskulls that thinks that Free Housing is free and it didn't come out of taxpayer dollars also? -_-
@motoryzen no, I'm one of the people who can figure out a free budgeting app.
5:20 to 5:30 a water bill of only 50 bucks a month for 2 1/2 people in a house of that cost with chances are is in a nice neighborhood which chances are the water bill will be naturally higher than if it was out in the country or County? Who are you trying to fool get real that water bill will be more like 75.00 to 120
Not to nitpick the imaginary numbers, but if you are getting a side hustle, odds are that your childcare costs are going up.
damn $80 for anotheer subscription huh, I'm trying to save money not get another subscription...
I think all the numbers are low. Especially utility bills, insurance, everything!!
Win the lotto......
The budget it a bit unrealistic
This guy says they don’t need cable and then doesn’t have a line item for internet. Some of the amounts he puts on here are laughable even on the tightest of budgets
this whole video is just an add for the app...
Yaay, third, lol
Video sucks. I don’t want every dollar, I want excel
Unrealistic..
I cannot stick to a grocery budget 😢 I have teenagers they never stop eating 😭
Lol $150\mo on gas. I wish. We go through $500\mo.
Same🫠