Putting my health first and getting an unlimited Pilates pass in 2024 was the best decision I ever made. I healed two long term injuries and became extremely strong and confident. Put yourself first, it will pay off way more than mindless consumption.
I love this! I feel like with all of my chronic conditions and just struggling with my health and long Covid over the last few years. I really wanna be better about not feeling guilty spending on myself and my wellness! I'm obviously like a very active person already but I just wanna kinda go with that extra step in 2025 and choose to prioritize spending on wellness over just like you said mindless consumption!
This is also what I did in 2024. First time in my life I have ever cared about my body- spin classes, weights, and yoga! Everyone gives me a side eye for paying $200 to workout but it's the best money I have ever ever spent!
My 2025 goal is to be "selfish" and focus on my finances and health. So I'm hoping to prioritize eating better/cooking more at home, fully funding my e-fund, funding my sinking funds and paying aggressively on my student loans. 2024 was rough but I'm glad I was able to use my efund for emergency purposes and to help family. But next year I need to rebuild myself.
I’ve been following you for a few years now, the algorithm recommended you to me based off your financial / reset content. I remember you talking about wanting to included more lifestyle things and I remember the switch away from your rigid posting schedule and I’m just so happy for you looking back at this year and that you have managed to “have it all” in a way. I love that you found success (many different kinds, not just numbers based) while also finding balance and personal happiness. Excited to see what 2025 brings.
I feel like a nice thing about this always being a lifestyle channel because you can go through phases of life and not feel guilty about it because you've never really fully niched down! So it's nice to be able to talk about finances, reset but also just everyday life! Dropping down on uploads was like the best thing I could've honestly ever done for my mental health and I feel like it's made me an even better everything- wife, daughter, friend, creator etc. I couldn't keep pouring from an empty cup you know❤️❤️
Carter, thank you for being so honest about your finances and your relationship with money. I also have an all or nothing mindset with money and that’s my top goal for this year. Just because I mess up doesn’t mean I can’t stick to it! I plan on working on overconsumption too and I liked your point that whatever item I’m influenced to want, it’ll be there in a few weeks/months when I NEED a new mascara, shampoo, etc. Great video!!
We're just trying our best!! we definitely don't do things a traditional way since we still have separate finances as a married couple, but we definitely have taken a lot of accountability and communicate very openly about finances and it's a huge part of our relationship!
Did not click on this video with any expectations that it would make me cry but here we are 😅 thank you for your vulnerability talking about money and finance! The conversation with had between women enough in my experience and this felt so empowering to me to watch ❤
My 2025 financial goal is to buy a house :D I'm so ready. I haven't had a cat in years D: I spent the pandemic years paying off 40k in student loans while the interest was off. I spent this year saving 67% of my paychecks to build an emergency fund and save for a house. I'm hoping by May to be in a house 🤞
In 2024 I really tried to "use what I have, buy only what I need" and I was successful at times but I want to keep doing that because, like you, I tend to "stock up" on things (groceries, especially) and it gets out of hand. I also am planning a big trip to Paris in May so I hope to buy as little as possible until then so I can save up and feel good about hitting all of the vintage markets and stationery stores! (Two of my favourite things!)
@@KR-tr9fl it's definitely one of those goals that kinda always feels like it will be a work in progress!! But we're trying to identify the area areas where we could pull back like for example we tend to stock up when things go on sale, but we know it's gonna go on sale again😅
Starting to think about 2025 goals too. I'm definitely not a detailed budgeter like you, but you did inspire me to start a travel savings account a couple months ago separate from my other savings accounts or emergency fund so that I give myself permission to actually use it for travel which was an issue for me when it was all lumped together. It's a goal of mine to take some bigger abroad trips in the next several years and now I have a savings account and plan that will help me to get there. Just booked a Germany and Austria trip for 2025! Thanks for sharing all of this!
Mental and physical health along with less of the paycheck to paycheck struggle. Our situations are rather different (married with three kids-and I'm also in my 30s), but I love your content and appreciate your transparency. I would love to eventually work towards financial freedom and setting our boys for the best!
Love your goals for the new year! I've been neglecting my finances so I"m aiming to finally do some saving this new year. Just an idea for a video is it would be great to know what podcasts, people, books, or other resources that have helped you improve your finances. I'd love to hear! Thanks for sharing as always 🤩
@@imeldaj2314 love the idea! I wanted to film an updated "how i manage my money" video for 2025 with my different accounts, credit cards etc and how we save/invest so maybe I'll include some of these resources in it!!
I love how intuitive your goals are for 2025! Can’t wait to see you achieve them 🫶🏼 I have contributed super regularly to my sinking funds and it’s been the best thing - it’s made Christmas shopping this year such a breeze after putting money aside every month. My main goal in 2025 is to buy our first home 🏡 and continue prioritising investing and saving! Xx
Yessss!! There's no better feeling than going into the holiday season having the money set aside for your Christmas presents and it's a very stress-free experience🫶🏻
Hey Carter, Happy Tuesday. Thank you for sharing your financial journey not a lot of people like to share theirs. I learned how to budget at a young age because I always enjoyed saving rather than spend. Also I took a finance class in high school and my dad was always a saver who inspired me. It’s always helpful to have a partner who is finance stable and has their shit together (my boyfriend). These lessons that you learned through budgeting and finance are helpful for those starting out or trying to find their budget. I enjoy putting money into my savings but I want to put more into it every time I get paid. 😃🥰🎄🎅❄️☃️
I would love to hear more about your home projects/cheap DIY makeovers! My husband and I also bought a 100 year old home that has come with several unexpected which makes it hard to work on projects that we want to do compared to have to do.
I have shared so many of our home projects in the last year on my channel!! And also short form content on Instagram too🫶🏻 but there's plenty more to come in 2025!
the new year is about to have some massive changes for me. do you have a video or could look into making a “finances for dummies” vibes video. I truly have no idea where to start when it comes to finances and always find myself just getting overwhelmed.
2024 was big for health and wellness for me in terms of starting fresh. This year it's going to be a big focus for me and I will NOT feel bad about the money I have to spend. I'm cutting out a lot in other areas to make wellness a priority for me. Working out, healing my gut issues, etc. I'm thinking of it as investing into the body I have to have for the rest of my life- I want to stay mobile and healthy for a long time!!! I also saw something that said "If you think wellness is expensive, try illness." After spending so much on medical visits in the past few months, I'm happy to invest in all the food, supplements and workout classes to heal me. ❤ Try the pilates studio!
Heyy Carter 💕 silent viewers here but just want to thank you for translating the currency between Canadian and US money!! Love chat gpt lol anything I need, gotta ask the chat 😂
Technically paying down your mortgage is an investment. Not sure how it is in Canada but in Florida, real estate investing is huge. Short and long term. It’s different in every scenario. If your mortgage interest rate is low compared to the interest you might be making from savings- then investing in other things might be the better option. However some people have high interest rates on their homes and are eager to pay that loan down so they can start paying on the principal amount of their loan rather than funneling that money into long term investing (which a house is). So I don’t blame them. Thanks for the motivation to get my 2025 planning done! I agree with you, for some reason this year I am lacking the eagerness to goal set. The holidays flew by 😢
My 2025 financial goal is to invest $20K! It’s a huge goal, but really hoping to capitalize on investing while I can (since we may be doing some house renos in future years!)
Have A Magical Holiday Carter and I am always always waiting for your new Vlogs and I am always looking forward to your vlogs May God Bless You Always Always sending you lots of love to you 💫🥹♥️
You mentioned Everand and I’ve never heard anyone else talk about it! I had it where it was unlimited audiobooks then they came out with a new subscription program where now you only get 1 unlock for 11.99 or 3 for $16.99 and I’m so mad I switched. I didn’t realize it was gonna be that different! 😅
@ so jealous!! I bet it would’ve switched for everyone in the US eventually but I’m beating myself up for not keeping the subscription I already had haha
Hey 👋 Love watching your videos and just wanted to say you are so right we need to remember self care is worth spending the money on not enough of us do! Awesome and insightful video, I’m glad you done both the cosy vlog and this one ❤
For me it's - physical books I can only by with my work benefits credit. The only exception I can buy with my own money is my favorite author which is like 4 books a year max. The second goal is that I assigned 'silly things bugdet' for things like home decor, beauty gadgets, skincare that I didn't plan. I transfer set amount of money to my Revolut account, if the silly budget is not fully used - the rest at the end of the month is converted into euros and can be spent for silly things during travel, like sweets at the bakery
Putting my health first and getting an unlimited Pilates pass in 2024 was the best decision I ever made. I healed two long term injuries and became extremely strong and confident. Put yourself first, it will pay off way more than mindless consumption.
I love this! I feel like with all of my chronic conditions and just struggling with my health and long Covid over the last few years. I really wanna be better about not feeling guilty spending on myself and my wellness! I'm obviously like a very active person already but I just wanna kinda go with that extra step in 2025 and choose to prioritize spending on wellness over just like you said mindless consumption!
This is also what I did in 2024. First time in my life I have ever cared about my body- spin classes, weights, and yoga! Everyone gives me a side eye for paying $200 to workout but it's the best money I have ever ever spent!
My 2025 goal is to be "selfish" and focus on my finances and health. So I'm hoping to prioritize eating better/cooking more at home, fully funding my e-fund, funding my sinking funds and paying aggressively on my student loans. 2024 was rough but I'm glad I was able to use my efund for emergency purposes and to help family. But next year I need to rebuild myself.
We all deserve to be selfish and focus on ourselves❤️❤️
Me too! I appreciate this comment because I feel so selfish going into 2025 with this mindset. But that’s the point! Haha
I’ve been following you for a few years now, the algorithm recommended you to me based off your financial / reset content. I remember you talking about wanting to included more lifestyle things and I remember the switch away from your rigid posting schedule and I’m just so happy for you looking back at this year and that you have managed to “have it all” in a way. I love that you found success (many different kinds, not just numbers based) while also finding balance and personal happiness. Excited to see what 2025 brings.
I feel like a nice thing about this always being a lifestyle channel because you can go through phases of life and not feel guilty about it because you've never really fully niched down! So it's nice to be able to talk about finances, reset but also just everyday life! Dropping down on uploads was like the best thing I could've honestly ever done for my mental health and I feel like it's made me an even better everything- wife, daughter, friend, creator etc. I couldn't keep pouring from an empty cup you know❤️❤️
2025 will be my 6 years in a row of maxing out my Roth IRA and Roth 401k. I’m currently have $42k in Roth and $285k in 401k.
Wow that's amazing!!
Carter, thank you for being so honest about your finances and your relationship with money. I also have an all or nothing mindset with money and that’s my top goal for this year. Just because I mess up doesn’t mean I can’t stick to it! I plan on working on overconsumption too and I liked your point that whatever item I’m influenced to want, it’ll be there in a few weeks/months when I NEED a new mascara, shampoo, etc. Great video!!
I love how you talk about Matt in such a sweet way and you took accountability for yourself as you two merged together. You are so wise.❤
We're just trying our best!! we definitely don't do things a traditional way since we still have separate finances as a married couple, but we definitely have taken a lot of accountability and communicate very openly about finances and it's a huge part of our relationship!
Did not click on this video with any expectations that it would make me cry but here we are 😅 thank you for your vulnerability talking about money and finance! The conversation with had between women enough in my experience and this felt so empowering to me to watch ❤
❤️❤️❤️❤️
My 2025 financial goal is to buy a house :D I'm so ready. I haven't had a cat in years D: I spent the pandemic years paying off 40k in student loans while the interest was off. I spent this year saving 67% of my paychecks to build an emergency fund and save for a house. I'm hoping by May to be in a house 🤞
That’s amazing!!! Cheering you on! 🎉
You got this!! 🏡🫶🏻✨
In 2024 I really tried to "use what I have, buy only what I need" and I was successful at times but I want to keep doing that because, like you, I tend to "stock up" on things (groceries, especially) and it gets out of hand.
I also am planning a big trip to Paris in May so I hope to buy as little as possible until then so I can save up and feel good about hitting all of the vintage markets and stationery stores! (Two of my favourite things!)
@@KR-tr9fl it's definitely one of those goals that kinda always feels like it will be a work in progress!! But we're trying to identify the area areas where we could pull back like for example we tend to stock up when things go on sale, but we know it's gonna go on sale again😅
Starting to think about 2025 goals too. I'm definitely not a detailed budgeter like you, but you did inspire me to start a travel savings account a couple months ago separate from my other savings accounts or emergency fund so that I give myself permission to actually use it for travel which was an issue for me when it was all lumped together. It's a goal of mine to take some bigger abroad trips in the next several years and now I have a savings account and plan that will help me to get there. Just booked a Germany and Austria trip for 2025! Thanks for sharing all of this!
That's a great idea! I'm so glad my videos inspired you to make that change. Hope
You have the best travels in 2025! ✈️✨
Mental and physical health along with less of the paycheck to paycheck struggle. Our situations are rather different (married with three kids-and I'm also in my 30s), but I love your content and appreciate your transparency. I would love to eventually work towards financial freedom and setting our boys for the best!
Silent viewer here!☺️ I just had to say, I find it hilarious how you unexpectedly drop f** bombs when your chatting😂 catches you off guard lol 6:55
I do have to admit, I have the mouth of a sailor🤣🤣🤣
Love your goals for the new year! I've been neglecting my finances so I"m aiming to finally do some saving this new year. Just an idea for a video is it would be great to know what podcasts, people, books, or other resources that have helped you improve your finances. I'd love to hear! Thanks for sharing as always 🤩
@@imeldaj2314 love the idea! I wanted to film an updated "how i manage my money" video for 2025 with my different accounts, credit cards etc and how we save/invest so maybe I'll include some of these resources in it!!
I love the focus on non numeric goals. I also struggle with that and would like to grow in it this year.
I love how intuitive your goals are for 2025! Can’t wait to see you achieve them 🫶🏼 I have contributed super regularly to my sinking funds and it’s been the best thing - it’s made Christmas shopping this year such a breeze after putting money aside every month. My main goal in 2025 is to buy our first home 🏡 and continue prioritising investing and saving! Xx
Yessss!! There's no better feeling than going into the holiday season having the money set aside for your Christmas presents and it's a very stress-free experience🫶🏻
Ahh can’t wait to watch this one when I have more time! These are some of my favorite!
Carter your hair looks so beautiful!!!
Oh thank you🥹🥹
Hey Carter, Happy Tuesday. Thank you for sharing your financial journey not a lot of people like to share theirs. I learned how to budget at a young age because I always enjoyed saving rather than spend. Also I took a finance class in high school and my dad was always a saver who inspired me. It’s always helpful to have a partner who is finance stable and has their shit together (my boyfriend). These lessons that you learned through budgeting and finance are helpful for those starting out or trying to find their budget. I enjoy putting money into my savings but I want to put more into it every time I get paid. 😃🥰🎄🎅❄️☃️
Been looking forward to this video so much!!! ♥️
Hope you enjoyed it!
I would love to hear more about your home projects/cheap DIY makeovers! My husband and I also bought a 100 year old home that has come with several unexpected which makes it hard to work on projects that we want to do compared to have to do.
I have shared so many of our home projects in the last year on my channel!! And also short form content on Instagram too🫶🏻 but there's plenty more to come in 2025!
@@CarterSullivan Thank you!! I just subscribed a couple months ago so I'll definitely have to go back and rewatch these videos/short forms!
loveee this video, so many great tips! my main goal for 2025 are my finances mainly figuring out a budget that works for me this was great inspo!
My goals for 2025 are doing project pan, going to the gym in the morning, read 100 books this year, do a no spend year!
I love all of those goals - especially the reading one 📚
the new year is about to have some massive changes for me. do you have a video or could look into making a “finances for dummies” vibes video. I truly have no idea where to start when it comes to finances and always find myself just getting overwhelmed.
I have a budgeting for beginners or maybe its called how to budget video!
@ you’re the best! thank you
2024 was big for health and wellness for me in terms of starting fresh. This year it's going to be a big focus for me and I will NOT feel bad about the money I have to spend. I'm cutting out a lot in other areas to make wellness a priority for me. Working out, healing my gut issues, etc. I'm thinking of it as investing into the body I have to have for the rest of my life- I want to stay mobile and healthy for a long time!!! I also saw something that said "If you think wellness is expensive, try illness." After spending so much on medical visits in the past few months, I'm happy to invest in all the food, supplements and workout classes to heal me. ❤ Try the pilates studio!
Thanks for your vulnerability this video ❤ I am definitely implementing some of this into my 2025.
I love that this is a big goal for a lot of us!! Also wow it's so true that if you think health is expensive, illness is even more expensive.
Heyy Carter 💕 silent viewers here but just want to thank you for translating the currency between Canadian and US money!! Love chat gpt lol anything I need, gotta ask the chat 😂
Loved this so much and the transparency! ❤
It means a lot to me, thank you!! 🥰
Wishing you a merry Christmas
Technically paying down your mortgage is an investment. Not sure how it is in Canada but in Florida, real estate investing is huge. Short and long term.
It’s different in every scenario. If your mortgage interest rate is low compared to the interest you might be making from savings- then investing in other things might be the better option. However some people have high interest rates on their homes and are eager to pay that loan down so they can start paying on the principal amount of their loan rather than funneling that money into long term investing (which a house is). So I don’t blame them.
Thanks for the motivation to get my 2025 planning done! I agree with you, for some reason this year I am lacking the eagerness to goal set. The holidays flew by 😢
Loved this! My 2025 goal is to put money aside monthly for our 2026 Disney trip!!
That's a great goal! I hope you have a magical trip!
I agree about the health and wellness. I have trouble spending money on supplements and even protein powder at times on myself
Absolutely loved this financial goals video Carter!! ChatGPT really is the goat! 💕
It really is!
My 2025 financial goal is to invest $20K! It’s a huge goal, but really hoping to capitalize on investing while I can (since we may be doing some house renos in future years!)
You got this!!!! Honestly such a good mindset to capitalize on saving and investing before any big projects come up
Have A Magical Holiday Carter and I am always always waiting for your new Vlogs and I am always looking forward to your vlogs May God Bless You Always Always sending you lots of love to you 💫🥹♥️
Love this❤
I feel you on feeling guilty spending $ on wellness! I want to look into a pool pass membership at a local fitness center!
Love this ❤
You mentioned Everand and I’ve never heard anyone else talk about it! I had it where it was unlimited audiobooks then they came out with a new subscription program where now you only get 1 unlock for 11.99 or 3 for $16.99 and I’m so mad I switched. I didn’t realize it was gonna be that different! 😅
We haven't got the switch yet in Canada!!
@ so jealous!! I bet it would’ve switched for everyone in the US eventually but I’m beating myself up for not keeping the subscription I already had haha
Hey 👋 Love watching your videos and just wanted to say you are so right we need to remember self care is worth spending the money on not enough of us do!
Awesome and insightful video, I’m glad you done both the cosy vlog and this one ❤
Automated sinking funds and investments is key for me- otherwise it doesn’t happen.
For me it's - physical books I can only by with my work benefits credit. The only exception I can buy with my own money is my favorite author which is like 4 books a year max. The second goal is that I assigned 'silly things bugdet' for things like home decor, beauty gadgets, skincare that I didn't plan. I transfer set amount of money to my Revolut account, if the silly budget is not fully used - the rest at the end of the month is converted into euros and can be spent for silly things during travel, like sweets at the bakery
Wait I love the idea of silly things budget!!!
Great video
❤❤
❤
可愛いネイルです(‘◉⌓◉’)