Helping You Level Up Your Finances One Dollar At A Time.
You've come to the right place if you:
Think your financial goals are out of reach Are struggling with debt Try to save but never seem to have money leftover Are living paycheck to paycheck Don’t know how to budget your expenses Feel lost when it comes to your personal finances Don’t have an emergency fund
Chris has been an accountant for 10+ years, and will help you go from confusion to confidence when it comes to your personal finance.
If you are tired of living in the shadows of your never ending financial struggles, I offer 1-on-1 coaching to help give you actionable steps to see progress immediately. Schedule your FREE consultation call and let me help you level up your finances! www.investingamateur.com/free-call
OR, if you prefer DIY finances, check out my free budget template and debt calculator here: www.investingamateur.com/finance-level-up-kit
I smell bull. 50 a month for 40 months is $2k $3k +$2k = $5k You said the account has $13k. Are you telling me that your bank gives you an annual %50 interest on your savings?! Even an investment portfolio won't make %50 annually!
You better automate shaving that neck beard bro. We can't take financial advice from a guy who looks like he uses fentanyl twice a year or when he feels like rewarding himself.
Yes fair enough, there are probably better opportunities. But the message here is people complain about living paycheck to paycheck, and then watch Netflix for 4 hours
@@Dollar_Disciplineyeah man people can't complain about how exploited they are because they could be giving up their rest time to earn a few more dollars
It all comes down to self discipline. I've had credit card debt for the past few years, and it all came down to me paying something off with the card, and instead of paying it off immediately, I would just have the mentality of "well no I can buy more stuff with what I have in my checking account." Thankfully I don't have that mindset anymore, and will be using them in a way more responsible manner. 😅
@@Dollar_Discipline for sure. In corporate moving companies every 3-5 years is the best for career advancement in my experience (unless you are getting internally promoted).
A 401k is a retirement plan that allows employees to contribute a portion of their paycheck to an account that can be invested and potentially grow tax-free over time. I would see if it’s an option for you at your job
I’m an accountant, and at the time we had an annual household salary around $120k. If someone doesn’t think they have a high enough income to reach a financial goal faster, my next question would be: what are you doing to increase your income?
I like how you tried to make it sound fancy but it just means you pay off your debt because you can 😂 I thought it was going to be some method where you get some kind of break or something but it’s just paying off debt responsibly 😂 Also if you say you didn’t know anything about that method , but it made the most sense to you , those two things contradict each other because it wouldn’t make sense if you didn’t even know what it was
There is no fancy way to pay down debt, no hack, no secret method. Everyone can pay down their debt. When we paid down the debt, I was saying that the process made sense to us which is why we did it. But we didn’t know there was a name for it
@@Dollar_Discipline well actually I had credit card debt from wasting money I didn’t have on golf clubs for a while , and I just made minimum payments because I kept spending money I earned instead of paying off the card , and because of purchase interest I was losing the battle so I switched that debt into a consolidated loan so that I had to make monthly payments off that automatically , and that debt now had no interest , so that was partially a hack because otherwise only doing the minimum I was getting slapped with those fees for hundreds every month
A dude who runs a channel about personal finance, complaining that the people who come to him for advice don't know what they're doing? That's a new one. C'mon man, if you're gonna put content like this out at least put something helpful in there. If people knew what they were doing before they came to you, and knew how to do this stuff, you'd be out of a job.
Understand the view point, however this isn’t my full time job (and not complaining). I make these videos to document the journey, help people who feel stuck by showing them how to take action. If someone improves their personal finances it won’t change my life, but it will definitely change theirs
Debt is bad for most Americans, yes. The people you are talking about are few and far between. Most people would benefit from paying off their $20k debt faster
Then they are living well above their means. But the first step is to be net positive over a month’s time frame, then once that’s consistent you can do the bi weekly strategy
Hey Jerry! I have the link below where you can download the budget template and debt calculator. Each comes with written and video instructions! (RU-vid doesn’t allow links in shorts comments so you’ll have to copy it into a browser) www.investingamateur.com/finance-starter-kit
Really good content. I'm glad to have found you early in your RU-vid adventure. Consider me thoroughly interested. The tools you're offering are outstanding. However, it you created a debt calculator that included mortgages (I'm a 4 unit real estate investor) I would be very interested in that product. Even if it came at a cost. Great work. Thanks for putting in the effort.
Hey Jamie! Glad you’re enjoying the content and resources! I agree, although the debt calculator goes up to 30 years (360 months), it’s not really optimized for mortgages. You definitely gave me some food for thought! 🤔
If you want to see what YOUR finances look like in this budget template, check out the full tutorial video by clicking the white triangle link on screen!
