The Five F’s That Will Keep You Broke! And How To Avoid Them
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- Опубликовано: 22 авг 2024
- Get Help: www.lynnrichar...
Watch out for these five “F’s”:
Feelings 💵 Family 💵 Friends 💵 Food 💵 Fun 💵
If they are not managed properly, they will keep you from the F’s you want:
Faith & Financial Freedom!
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Click the Linktree in my bio then click ASK LYNN or visit www.lynnrichardson.com and choose Connect with Lynn
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Lynn Richardson is a financial expert, life coach and tv personality and syndicated radio show host who uses her quick wit and humorous presentation style to help others achieve personal, professional, and spiritual harmony.
Www.Lynnrichardson.Com
Follow @lynnrichardson
Listen to The Millionaire’s Roundtable with Lynn Richardson daily @LynnMillionaire
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Don’t forget Fashion. Chasing the last trend will keep you broke too.
Soo true
WORD!!!
I think fashion would fall under FUN lol
Preach
Fun is fashion
Thank you so much. My dad once told me: " What you do with one dollar you'll do with a million."
Your dad gave EXCELLENT advice....just saying
Whoa! Never looked at it that way...thanks for sharing that jewel from your pops!
You were blessed with a smart father
Great advice. Wish my dad had given me such advice when I was younger
You fathers was so right! I’m almost 70 years old and did not make anywhere near the money my friends made because they were college educated and I trade school educated. But, I lived the same but on a smaller scale. And as Mrs Lynn said, I can go to Europe today, buy designer, donate to charity or what ever I want but can they? NO.
"The best thing you can do for broke family members is not be one of them" that hit hard lol💯💯
Refuse to eat, wear or drive your money. Treat money like an employee.. invest. Send it out to make you more money ..
Also take it with you when you die and save it as if you’re promised tomorrow
Awesome statement 🧐...
I see you’ve read the Richest Man in Babylon
Spongebetty AMEN to that.. love your metaphors..!
The best thing you can do for broke family and friends is not be one of them. If you got 9 broke friends you're gonna be number 10.
🔥🔥🔥🔥🔥🔥🔥
#🙌
Fear can also stop people from achieving goals.
True
Another issue of mine
Yes!!!! Soooo true damnit...
Amen
Ego and fear are the biggest thing keeping us to be what we want.
I have one F word for this video....FACTS!!! TY for this ma'am!
Lol
LMBO @ Too much money and take home pay on food, get "Ramen Noodles." Also, "If you are having fun and broke something is wrong." Damn, they
can't have a little fun too?
Fantastic!
I was like 😮...😂
@@b.lessed6835 Me too! 🤣
This lady so smart she said if you broke and having fun something is wrong real stuff
1. Feelings
2. Family
3. Friends
4. Food
5. Fun
Most important F’s:
1. Faith
2. Financial Freedom
Thank you! ⚘
Uggghhhh THANK YOU-
I’ve paid hundreds of dollars for seminars, read many books on finances and majored in finance. This 8 minute video spoke to me more than anything in my 30 years of living!!! THANK YOU!
Awesome!!!
I was thinking the same thing! Wow
Yes and now YT has so much info for FREE. I love it. Back in the day Black women would not tell you what type of hair grease they used to grow their hair out. NOW everyone is telling EVERYTHING on here. I love this era.
True story! I feel the same
Thank you Ms Lynn🤓
Living within your means is something that isn’t preached enough about. People spend so much time, money and effort trying to impress people that don’t even care about them.
So true
Amen
At my church I read something that said: “Stop spending money you DON’T have, to buy things you DON’T need, to impress ppl who DON’T care.”
One person can’t save the entire family! Family has to continue to level up and change and unlearn! No broke friends hit home 🙌🏾
Exactly 💯 💯 💯
1. Feelings
2. Family
3. Friends
4. Food
5. Fun
6. Faith
7. Financial Freedom
And Females keeping it 💯 🚫😴 👌
Many of us got to learn how to say "NO." This video came in my life at the right time. God, knows what we all need. Amen!
OMG I just learned to say NO only 2 years ago. It was hard but I leanred my bro and sister didn't help me when I used to bend over backwards to help them. Take off work and manage my money to share with them. They left me hanging didn't repay none of money they borrowed. So when I finally came up. I just say NO and I don't even really talk to them. They were only contacting me when they needed MONEY or to sit with the kids. I was like let their dad's folks keep them. I hated to be that way but they were taking up too much time and I would buy stuff fo them and they didn't take care of the things they didn't Respect me. So I basially disappeared from their world and I work on myself. I'm not listening to relationship stories. Don't burden me with that BS.. I'm enjoying my life. I love watching YT videos during pre covid i like to go to fun things and etc. We have to respect ourselves
Scorpion777 Silvermoon congratulations
Some times my relatives take advantage of us cos i dont know how to say no
@@safinanamatovu1859 Just take one day at a time, and realize where you want to be five years from now. Will your family help you when in need? Do they care about your future? Don't cut them off, but learn to take care of you. God, bless you!
@@scorpion777silvermoon3 I feel you. There is nothing like peace of mind. We love our families, but we got to take care of our future. God, bless you!
Every African hustling in the diaspora need to hear this Gospel truth.
Amen
This is so true.
Demba Njie we African we rather be poor Never say no to our family. Pls help your family don’t lessen to her
@@kingof491 You're not getting the point of the video
@@kingof491 we're helping our people to be enablers, they sit there waiting for the money from Europe and other places for them to live, because they have this easy money coming they be bothered to fight for our leaders to be accountable for our continent, you will never build a future with free hand out
'Live below your MEANS and within your NEEDS." Dave Ramsey
She's Preaching the financial truth and whoever gave this thumbs down must be crazy
...or broke.
@@deidramyers you absolutely right😂😂😂
DON PITTS Or the truth is too painful for them to handle 😳
Greetings. I live by 5 P's
1). Peace (God)
2). Principles ( strict rules laws and regulations)
3). Purpose ( my original intent for living)
4). Passion ( electrified energy)
&
5). Prosperity ( increasing my savings account and my FICO score)
I’m 20 year old nobody told me this before Thank you 🙏
DessoCold No.
That's sad...Im sadden for young folks the systemic racism failed us but we shall rise like a tsunami...
I'm thankful that you are seeing this at a young age.
Thankfully you're hearing this while you're still young. It will give you time and opportunity to plan and prioritize what's important and what's not.
Make the most of what you've learned and you will go far.
My Lord u are 100% CORRECT. God had given me another chance to start over after a lot of falls. Things r different now. Thank you Jesus...
Life is pros and cons , saving money very good , but remember we only have one life , you better try to enjoy it.
AMEN!!! I totally agree. You never know when you will leave this earth!!
It is all about choice.
If not the kids will enjoy it no questions asked
I am so obsessed with your channel. I recently started a business and I am learning that I did not do it properly. I refuse to be a broke family member or friend. This is good! Faith and Financial Freedom! Let's Go!
I had a friend of 15 years who stopped talking to me after not lending her $15k. She claimed she needed it to pay off student loans but later I found out it was to renovate her house.
What
You probably won’t of got the money back either. 🙄
Good she's gone. Lying to you,she wasn't your friend anyways.
She could've told you the truth smh
Even if it was for student loans...thats her responsiblity.
When she said "if you're broke and having fun, something is wrong" this was funny as heck to me but make so so so so much sense, my goodness..
Good stuff...I agree with almost all of it except the friends part. Surround yourself with good people who love you and want to see you successful. That has zero to do with money!
This video was short.,straight to the point and extremely positive and motivating. Thank you
It took number 4, at 4:23, to hit home for me. 1, 2, 3, 5 wasn't my thing, but food. Lawd!
I love food, and hate preparing food. So, "take out" is my crack. It's the thing that got me gaining weight, and hindering me from saving money much faster.
Thanks for the video.
I don’t agree. Though financial independence is important, it’s not the determining factor for happiness. Just because someone is broke doesn’t mean they can’t be your friend. I don’t seek broke friends but I have friends that are broke and I love them just the same as I do the ones that are well to do. I have been broke before too. I don’t have to provide financial support to them but I can definitely provide moral support. You can’t just abandon people because they are not financially stable or on the same level as you. What happened to important values like commitment, honesty, reliability integrity, love, appreciation... ?
I see alot of lonely rich people here if they follow that advise ,pray for those who need help especially family and friends give a helping hand if you can advise them on a prosperous journey to follow in life being friends with people who are the same status as you means you may feel better than the next person because they can't live a lifestyle you can afford it seems like having a complex about yourself a person that is very wealthy knows wealth is in the mind the greatest asset to solve problems including financial problems not by associating with certain people
wayne richardson I agree! 💯
J Peavy good luck to you and your rich, committed, loyal friends!
I think all info should be taken with a grain of salt. If you see a friend who is honestly trying to improve their life then don't abandon them. You heard her say she tries to teach those who aren't where she is at. That implies she didn't fully leave them. I know a millionaire who kind of says the same thing. He has 2 groups of friends. The ones with money and the ones without. He loves them both. I learned he basically made 3 agreements with himself when socializing with his "broke friends".
1 - He stopped loaning money. Instead when he does "loan" he gives with the expectation of never getting it back. He said that was the only way to keep negative feelings away. He also never gives money he actually needs or would impact his business if he never got it back.
2 - Limits his time with them. He can easily lose the majority of a day hanging out with them accomplishing nothing. Again, it is fun, but he has multiple businesses to run. Half a day gone can equal 100's of thousands of dollars in lost revenue.
3 - Understand and be prepared to talk about the same broke things they talked about last time. Yes, he has fun with them but he makes sure he has his mindset right.
@J Peavy sooo, if a person is not financially free or if they don't have money they are loser? Does that mean that people with money are winners?
So true. There is nothing better in life knowing that you can afford most things but deciding it’s not really worth having.
Did you not know that over 60-65% of Americans don't even have a minimum of a thousand dollars in the bank.
80% don't have $500 for an emergency. 8 out 10 families are in debt
Not many trust banks such as myself and am financial str8 for the most part... Nocap
WOW!
25% of Americans don't have $100 in emergency fundings
These percentages are so high. I check my money daily, while looking for ways to keep cutting back and saving more.
The five Fs.
1. Feelings. Don't let your feelings motivate your financial decisions
2. Family. Don't let family members cause you to continue unhealthy financial patterns
3. Friends. Surround yourself with people who are moving in the right direction financially, who are good stewards
4. Food. Don't waste your money
5. Fun. Have fun, but within limits. Don't be extravagant when you're trying to get established.
The kids apart was spot on. I'm 30 now and it has taken me 10 years to break bad money habits of seeing my father by things I new he couldn't afford. It thought me "buy it on a credit, you can always pay it later" or that someone will always be there to buy you everything you want with no work. Don't do that to your children. Treat them the value of money.
Exactly because once they learn the value of a dollar they will never think about spending money recklessly and that's what's wrong with today's society everyone will spend money recklessly and then say oh I don't have any money I don't have any money but yet people don't have time to be home
Show me your 3 Best friends, and I'll show YOU! your FUTURE....
Wow!!
I used to have tons of friends...lol
All hsling moms like myself, but one a broke single mom like I. Still a single mom, still broke becuz Im a single hsling mom lol
That is a powerful statement......
My 3 best friend's is God Jesus & Myself I have never believed in human friendship most are around for a reason once you lose something or everything you'll find out who's your friend I think my last fake friendship was in highschool
I Love This!!! I had them and some UNTIL I LOST EVERYTHING. Each and every single one i loved & knew TURNED THEIR BACKS ON ME and my kids. Seeing their "TRUE COLORS" really opened my eyes. I Thank The Lord For That. He allowed me to see that. 🙏🙌
I agreed with you except the ramen noodles. I worked my butt off I ain’t eating no ramen noodles
Yes, I agree. I don't even feed those to my son. I'm traumatized from College. 🤣🤣🤣
I will pay to eat well. Sorry I can't make that change.
@@cassandra2994 I agree, it's just certain food that will never enter my body, however, during this quarantine, I realized that I was spending $40 a day on food and drinks. That's $1200 a month. That's insane! So I see what she's saying, but I'm not going back to ramen. I'll eat an avocado for lunch before that. Lol
@@tharealboobie Now that is a lot money spent on food. I used to spend lots of money on take out as well, but I learned how to cook, and it's 100% better and healthier. You know exactly what you are putting in your food. So since you are home, try a little recipe. I hate cooking too, but the reward is great!!
@LA Ryan 😂😂😂
More people need to hear and listen to your message! This current situation is really putting a spot light on personal finances.
You are right because we have money but live beyond our means
Spot like on white supermC
This was so helpful and very informational. You packed this 8 minutes with everything needed and I thank you for keeping it to the point and short. Awesome, keep videos coming!! God bless!! 💖
I’m 40 and have been struggling for way too long and this is the message I needed to hear! Thank You 🙏🏾
She is gorgeous!!! And what she's speaking is facts!!!💯💯
@LA Ryan I'm trying...lol
Bonus words, Fear of failure! Starting as an Entrepreneur those were mine. I always worked a 9 to 5. I was safe. Until my accident which forced me too have to move in a different direction. Me & God. Opening an online store and nobody buying. I had to push past my fear of failing and stay consistent. I appreciate you And your words of wisdom. Thank you so much for sharing!💖💖💖
Well done to you Queen.
How is your business doing? What is your online stores url?
@@moniquemonique9467 www.we-on-1s-the-jazzi-spot.com
@@roundball6592 Thank you so much. I appreciate you💖💖💖💖💖💖💖💖💖
Preach sista👏🏽👏🏽 I learned this all own my own. Went from homeless to college grad & c.grad to homeowner 2x. Faith & financial freedom 👍🏽👍🏽👍🏽👍🏽
This lady is amazing. She should teach a class, especially with teenagers & young college kids . I adore her so much. Preach
This video came into my life RIGHT ON TIME!! 🙌🏿
Thank you...... I needed to see this I needed to hear this. Thank you God for this beautiful woman that you created. She is blessing ppl, Lord I ask that you bless her and her family. Look at God..... Faith and Finance. .... Thank you God for loving me enough to send me to this page.
That’s so sweet
This is so real and she is so right. Everyone can learn from this and it is needed.
I am hearing this message. I saw my mother take her money and help family to the detriment of herself. One family member she helped has a million pound house and my mother died broke. She helped family in the Caribbean and they could not even put together and buy her a wreath when she died. The things that were said to her by those she helped. When she died I heard from one she helped and another she did not regularly but the others not until recently. All I saw was ingratitude from those she helped. I will help but not to the detriment of me. I became financially savvy late in life but I am working on improving my financial situation.
Wow, thank you, i see myself in all 5 of them. I felt like i wanted to cry because the truth hurts. I heard a lady say years ago that if you want to be successful you have to hang are successful people. Most people am around are broke. I can go on & on about this but it's a big wake-up call for me. Thank you so much.
Della Green 🙌🏾🙌🏾
Tell them you are working on something,that will require a LOT of your time so you may be MIA for a bit and just need to focus and hope they understand. If they don't then it should be easier to just drop them bc they are toxic and draining. Hopefully they will go away for good. Good luck.
Hell.... all my friends are broke, How am I suppose to find rich friends at 45yrs old...🤷🏽♂️
Thanks for the motivation!! I have been telling others around me to get with it or get left! Seems like everyone wants things handed to them instead of working hard for it. Especially the young ones!!
So darn true. The movie,Soul Food, scene plays over and over in my family world. “Just let he and her pay for it and we’ll pay them back later”. NO!! NO!! NO!! NO!!
I love your advice! I am Filipino, and was raised in the culture where family Must be helped, supported even after the children are already married, have children of their own, still living free with the parents. When I first arrived from the Philippines, I was exposed to the American way of thinking which I thought at first was being heartless, when infact, it's really not. I realized that one has to be mean in order to be kind. Your kids may hate you for not buying them expensive phone, clothes, etc, that you are requiring them to go to school, get a job, and pay for those "toys" they want, even require them to pay you rent once they got a job. I now realize that this is the best way to train your kids to be self-sufficient, to learn how to survive on their own in case, you suddenly die! This way, they will not resort to a life of crime just to get what they want because they know that working for it is better. One has to be mean in order to be kind.
Amen, you can say that again!! "Don't let the 5 F's prevent you from enjoying the 3 main F's - Faith and Financial Freedom"
Keeping up with the Joneses will keep you in a hole you can't get out of. These same people will laugh at you when you fall. Great tips. Thank you!
You are so right, I've been saying this for yrs, but hardly ppl ever listen.
So much value in a lot of what you're saying. However, true "friends" need to have more in common than their similar financial positions and attitudes about money. Otherwise, you have little more than a bunch of superficial, fair-weather running buddies. True friends are emotional, psychological, and spiritual supporters of the good in your life, and they don't need money to have a strong and positive impact. I seek after and cultivate friends who know God (and God knows them), so that when they pray for me, God actually listens to them.
I just sent this to my 24 year old she needs to hear your powerful message. Thanks.
...also, I don't care for people who can't be friends with a person with less money...now if that friend is a begger, drop them.
Great point
Right, I mean I really don't have friends, but I'm not gonna look down on a person just cause they don't have as much as I do...smh, I agreed with some things she said but not everything
The point is don't have friends that only like to eat shidd especially when they complain they wish they where financially free and when you tell them how, it goes in one ear and out the other.
Blu-Fi Invesment Group Right. She’s talking about friends who never have their 💩 together. They’re never moving toward anything positive. She was too nice to say trifling.
I agree Lynn.
I think that
Faith + Financial. Freedom = FUN,FUN,FUN,
FUN,FUN,FUN,
FUN,FUN,FUN!!!
It's funny financial education is not mandatory teaching in our schools. They say it's your parents' job to teach you these things, but not all parents have this knowledge. I guess it maintains the status quo. I'm grateful for the internet and people like Mrs. Richardson who give their time to teach a stranger life lessons.
Feelings, Family, Friend, Food, Fun. We live by this but still have hard times saving with children and student loans on one income because daycare is soooooo expensive.
Faith and Financial freedom are the 2 Positives to remember.
God will get you through hard times and that will make your testimony supernatural
Praise the Lord I feel your pain try finding someone a senior citizen in your family that don't mind keeping your kids and that way you can save on child care
Petty Murphy oh so true and I agree
Then momma stay home and be the daycare. Why pay someone all your paycheck just to get away from your brats all day? Stay home and get control of them and you will start enjoying them.
Petty Murphy yes, these times are designed to get our attention. God gave us the ability to do more and pray. Yes faithful people are struggling and the poor will ALWAYS be among us. That is by design
Damn I love this lady! I’m always in my feelings feeling sorry for my friends and family! Everything she is saying is all True and I co sign this through experience! Thank you never saw a video like this!
I really love her teachings. Especially when she reminds people have to put in the work. Most people are looking for short cuts.
This is a good video to help people to put things and themselves into perspective. Some people will be always a critic, rather take information and gain something from it.
Probably a borrower😂
Excellent video!!! God certainly has a way of putting things in your life when you're TRULY ready. This video is definitely a wake up call to become more aware of the things that are MOST important in life.
On the family and friend subject is a really good quote that I learned years ago (Don't give them the fish, teach them how to fish)
Great content, this is so true. People don't get it, and they wonder why they are broke. You have to miss out on some fun to stack up some funds!
You are changing my whole life! My new Momma/sister! You are praying for ME! Thank you!!!
Hearing what you already know is like hearing it for the first time but at the most critical time. Thank you Sis!
People don’t want the truth but my sister this is the truth if I’ve ever heard it before! Thanks for making this for all of us who need to hear it.
Lynn you said a mouth full! Often times I tell my 2 grown daughters the importance of saving. There is a message in your 5 F's that I clearly understand. God bless you!
Good sound advice, the 5 Fs have been keeping me from financial freedom. You are soooooo freaking sharp.
Great video, love how you touched on the hurdles we have to overcome when it comes to family. A lot of gurus don’t consider the familial structure that adds to financial pressure and shortcomings.
As a first child from a family of 5.I have been spending almost every for them.And didn't know how to say no.But God help me to move pass all these fs
You are so right because saying no helps them more than to say yes, when they have not actually learned how to handle their finances.
That second F gave me chills hitting home 🥺
Thanks for being real to your audience. Much love ..
Feelings for friends and family keep dragging you down cause you really can’t say NO while They need support.
Yes, you can and you're going to have to if you don't want to stay broke. Their failure to plan/spend wisely is NOT your problem or responsibility. Helping somebody out every once in a while because they're working hard but still need occasional help? Sure. But if your family is anything like mine, they blow their money and make plans for your money every time you get your taxes, get paid and/or you get a bonus at work. They "borrow" it but then start poor-mouthing about how they can't afford to pay it back. You've probably been made to feel like you are doing them wrong when you tell them no, but you're not. Constantly giving them money is not helping them; it's teaching them that they never have to learn how to manage their money because they can always come to you.
Forget that. Family will take from you and be jealous that you helped in the first place. You have to take care of yourself first. They have to learn to be independent.
U better learn to say no....
i see this everyday, she is the truth.
Wow 😳 I felt that. It makes you think 💭 about what role do you play in people’s lives when hearing something like this.
Rescuing =/= helping. When you rescue no one is helped, you just entrench the unwanted behavior further.
My parents used to tell me “show me your friends and I’ll show you your future.”
Who is this lady? She is right on point. Amazing information..
Yep she’s right don’t let people who are not on the same page be around you a broke person will take you down
That is so true . The more you try to better your life the more they'll ask for $
I have an F word FEAR!!!!
Fear Falls under the feelings category
I hear you loud and clear Mrs. Richardson! I am learning to have peace and move past those F's. I'm putting in the hard work.
Hey lady! I know you are working hard. Folks, this young lady is working on positive things. Very proud to know her.
"Thank You,...I am Listening...This is Life Changing Factors of Any Age to Become Successful in Your Own Rights...I Walk Forward...See A Brighter Future!"
This video was a reality check. Thank you auntie 👏🏿
I am sharing this vital video with every person I know, I HONESTLY HOPE THEY LISTEN CAREFULLY. I have been listening to caucasian business people and caucasian business channels for decades, sometimes as early as 4am in the morning, ONE THING I CAN SAY TODAY, I AM GOING TO FOLLOW YOU AND LISTEN TO YOU, I AM SO PROUD OF YOUR RAW FINANCIAL TALENT AND ADVICE.
My brothers thought i was a ATM, draining me dry, until i cussed them out and stopped speaking.
it's sad same thing happened to me
Lol
Lolll my grandmother
Some of my family members thought that way. I think they thought it because I would help them and my initials are ATM😁. Yes I had to cut them off but it was because I took on a new way of thinking, my money can't go were I'm not welcome to come.
@@atm382 The strange thing is people think i have money, even neighbors have said this to me, one neighbor told me she was going to marry me and take all my money, if i am a money magnet i should be hitting the lottery soon.
Thank you for the truth, I have shared this with ppl, that I've been trying to nicely shake loose.lol
God bless you ,🤓 for telling the truth .... Wake up people !!!!
Oh I'm definitely a new subby to your channel. Soon as you mentioned family and stated talking about the mama part, I looked at you like do you know me and my life?! 🤔😂I needed this video really bad! My mom has been my downfall. She's a gambler and I've paid thousands to bail her out many times. My siblings are over it and have stopped and now it's my turn. I'm sick of being used and I'm not supporting her habit anymore. Thank you so much 👑! It's time I put me and my goals first from this day forward!🙌
I wish you all the luck, it's going to be difficult but you have to let your mum become an ablela she has to be able to look after herself
Now this is something my girlfriend needs to hear asap!!!
Once you start making big money it's all too easy to let your guard down and become careless. Don't ever stop being serious about your money!
Most of these are great. You can have fun without spending a dime. There is lots of free fun if you look and get creative!
WOW! This is essential information. The Five F's is a real thing.Thanks so much.
I am a new subcriber! Yes the 5 F's.. I am rebuilding as we speak. I am definitely glad we are connected now.
You know what, u are my friend!! You said all i have been telling my friend on all these Fs. Hope everyone listen to this
I PAID ATTENTION & LISTENED TO EVERY LAST WORD❗I NEEDED TO HEAR THAT FREE GAME... #Thanks
OMG Mrs. Richardson be on point all the time I Love her & her advice those 5 F's is so true I gotta get rid of those F's indeed
I’m an Accredited Financial Counselor and I agree with what you’re saying 💯. I find the same things in my dials interactions. Whew!!
How can I contact you and utilize your counseling Ms Debz
Lionel Cox I’ll send you a link
My best friend sent me this and I am so grateful 🙏 because I sho needed to hear this
Mrs Richardson I am waiting on my book so that I can start your course (21 days to fin freedom). I CAN'T WAIT! Q1 of 2019 I spent 1,500.00 on food! Eating out at expensive restaurants, paying for the food tab lots of times, eating lunch out instead of brown bagging it, you name it I did it. Its shameful! The 2nd thing I spend money on giving money to my nieces and their children. Those 2 things will break you.