April 2024 Debt Payoff Update | Our Student Loan Debt Disaster

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I haven't shared a debt payoff update in almost a year! So here's where we're at after deciding to buy a new home instead of paying off our last debt, plus I'm finally sharing my biggest financial regret when it comes to our debt.
*Debt Payoff Spreadsheet: creatoriq.cc/3...
*Book a consult with Student Loan Planner: www.studentloa...
*Empower Free Net Worth Tracking: personalcapita...
*Get my FREE Net Worth Tracking Spreadsheet here: mailchi.mp/d00...
*My favorite financial books:
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You are a Badass at Making Money by Jen Sincero: amzn.to/37YNgTa
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This video is not financial or legal advice. Please consult a financial professional if you have specific questions.
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xo,
Lo
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#studentloandebt #debtfreejourney #debtpayoffupdate

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1 окт 2024

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Комментарии : 166

@laurensmoneymindset 5 месяцев назад

*Debt Payoff Spreadsheet: creatoriq.cc/3mAF2vW *Book a consult with Student Loan Planner(affiliate): studentloanplanner6c01f.referralrock.com/l/LAURENMILL02/

@elliecbron 5 месяцев назад

Paying off debt for a career you’re not interested in... Many of us are in this situation. Inspiring progress - great job 👏

@ArtOfLife. 5 месяцев назад

On April 5th this year I paid off all my debts. I'm officially debt free. It's a great feeling :)

@nosirrahm 5 месяцев назад

Congrats! My goal is September ‘24.

@user56gghtf 5 месяцев назад

Praise God! Congratulations

@dampam4273 5 месяцев назад

Very nice!

@mccq5913 5 месяцев назад

This just goes to show how finance is more emotional rather than just numbers. You were so close to paying off ALL of your debt but you made a decision based off of your family’s safety and well being which to me is priceless and important. Give yourself some grace. Everything happened for a reason but also, those were your choices. The best thing to do is to move forward and not lose focus! You’re so close!

@jessicatounkara8753 5 месяцев назад

Keep making videos. Even if not all sunshine. Struggling is relatable.

@violettefemme21 5 месяцев назад

I wish more people realized how not great Dave Ramsey’s advice is. It’s SO OUTDATED. I’m sorry you had to learn the hard way. You and your family have come a long way and it seems like you’re right at the beginning of a new chapter in your finances with the new house and those costs remaining relatively stable for the foreseeable future. Hopefully things go y’all’s way for increasing income and it can make you able to start hitting the investment metrics you want!

@MsCardio1 5 месяцев назад

Please elaborate on how OUTDATED Dave Ramsey's advice is ....and what do you recommend to replace it.....besides bitching and moaning about how rough life is

@ashleydunford4010 5 месяцев назад

Dave has no clue what he is talking about on student loans, that we know for sure. Check out a guy named Ramit Sethi. More up to speed for this generation. Not a SL expert, but gives better life advice to handle our personal situations. Instead of beans and rice🤮LOL

@JamieJ1936 5 месяцев назад

@@MsCardio1Dave is a scammer selling a system and using god to do it… Some of y’all are so naive that you give him the credit for your success.. his advice didn’t pay off your debt… his books didn’t pay off your debt you did.

@christinewallace9251 5 месяцев назад

ALWAYS do your own research. Lesson learned.

@violettefemme21 5 месяцев назад

@@MsCardio1 umm where did I “bitch and moan about how rough is”?? His advice is outdated; he says all you need is $1,000 EF and every last penny should go towards debt, that number has never changed for him to account for inflation or anything. The two examples given in the video. The absolute abhorrence he has towards credit scores and encourages people to not care about them when unfortunately with the housing market more people have to rent and often times you need a good credit score. And what do I recommend to replace it?? Countless finance creators… Tiffany Aliche (The Budgetnista), Ramit Sethi (I Will Teach You to Be Rich), Erin Lowry (Broke Millennial), Tori Dunlap (Her First 100k), Chloe Elise (Deeper Than Money), and many more.

@allysoncaron8405 5 месяцев назад

Holy moly, how awful is it that Dave Ramsey cost you well over $100k 😩 I’m so sorry that happened to you!

@christinewallace9251 5 месяцев назад

Always do your own research. Don’t rely on financial gurus on the internet. Learn from them but research and verify yourself.

@tiffanybagby6868 5 месяцев назад

That was not Dave's fault. As another commenter said, no financial guru would ever recommend refinancing any loan from federal to private. That was a terrible decision she made based on fear. Dave Ramsay's content tends to be fear mongering with overstated statistics and straw-man arguments to prove their own points. I'm not surprised she got scared by what he was saying.

@SuperDB215 3 месяца назад

It’s not Dave’s fault. He never told her to refinance those student loans. And I’m pretty sure he wouldn’t have

@libbysworld7649 5 месяцев назад

I am so appreciative of you sharing this part of your journey. We've all had decisions we regret. Sometimes sharing it and reflecting on it makes it more of a life lesson than a mistake. I think you are doing FANTASTICALLY. Thank you, Lauren!

@theextremebudgeter2775 5 месяцев назад

I have been following you for several years. You have been an inspiration to me in my own journey. I was massively in debt but I am now debt free and in the process of completing on purchase of my own home. I am a single parent on a low income but the same principles you talk about apply no matter the actual figures. Thank you for sharing your journey. x

@laurensmoneymindset 5 месяцев назад

I’m so proud of you! 🥹

@onehonei2 5 месяцев назад

I like Dave Ramsey and I also listen to his podcast but he was so wrong Public Service loan Forgiveness program they forgave $54,000 the remaining balance of my student loan. They counted previous payments they didn’t count before. If I could post my zero of my student loans I would. I think I’m going to frame the paper. 😂

@shauntelcampos3212 4 месяца назад

Did Dave Ramsey actually say student loan forgiveness was a “scam” or “not to count on it?” I think the point he’s been trying to make is not to wait on the federal government for help.

@laurensmoneymindset 4 месяца назад

He literally said, “you’ve been scammed. The government scammed you.” I spent some time trying to find a few clips before posting the video but he’s got so much content I couldn’t find it. I will eventually and I’ll post it.

@Kiesha81 5 месяцев назад

Really good video. I stopped listening to Dave Ramsey. I also had a fear mindset regarding money.

@mikec695 5 месяцев назад

Congrats on your dedication and progress! I must point out though that the "windfall" made a huge difference and is not something that most people will ever receive in their lifetime. As stated in the video, when the windfall is subtracted out, the debt pay down was from $214K to $67K in about 4 years. That's $147K total or an average of about $36,750 per year. Very nice, but without that windfall you would still be around $242K in debt, give or take. If your debt were still at that level, would you consider your debt payoff project a success?

@laurensmoneymindset 5 месяцев назад

Yes, I think a middle class family paying off $36k of debt four years in a row is a massive success, regardless of the starting balance.

@SuperDB215 3 месяца назад

… I’m not a big Dave Ramsey fan, but he would’ve never suggested that you refinance those student loans. Also personal finance is very PERSONAL. I wouldn’t recommend paying hundreds of dollars for a student loan consult either . Time at home with your babies is priceless. Congratulations on your windfall! And yes, making financial decisions based on emotions can be detrimental

@MJ-iu2ek 5 месяцев назад

This is super interesting - thanks for the recap. Man, you've paid off a lot. The student loan thing is so frustrating - I'm so sorry that happened!!

@CoIorful 5 месяцев назад

Girl the biggest thing I don't understand is having these monster numbers of debt that were growing with interest and you were saying you couldn't sleep or eat and it was affecting your mental health, but you refused point blank to work? I understand not liking being an attorney and wanting to spend time with the kids, but to work temporarily to be able to pay off this debt seems like what 99% of us would do in your situation. But I understand we're not privy to all the machinations behind the scenes, but that's just an outsider view.

@christinewallace9251 5 месяцев назад

Childcare would eat up most of her income. They live in a very high cost of living are.

@CoIorful 5 месяцев назад

@@christinewallace9251 ? I think it's safe to say her income as an attorney would dwarf even the highest cost of childcare.

@user56gghtf 5 месяцев назад

@CoIorful It's very easy to have hindsight and try to tell someone what they should or should not do. I'm sure in your life they're are plenty of examples of things you did that now you works choose differently or another person would not choose. I'm assuming you're not a lawyer even if you are, you're not her so you have absolutely no clue everything was involved in her decision. You have no clue what the work environment or workload was like, etc. Your opinion is just your opinion. It doesn't mean you're opinion is right. Nor does it mean it's fact.

@CaroleenaCardoso 5 месяцев назад

Reasons why I never really trusted Dave Ramsey I also got mad at one video he said if you have the means you can tip a restaurant waiter but don't ever tip a fast food worker because they're the bottom of the barrow... Like that way of thinking that people who are trying and pushing forward with their life yet, you don't think they deserve the same to me is a red flag. I love your videos ❤

@therealtaydev 5 месяцев назад

I can’t stand him. He’s such a horrible person.

@FooFan-b3k 5 месяцев назад

@@therealtaydev Most people who wrap themselves in religion the way he does are horrible people. Dave's horribleness lies in his inability to ever admit he's wrong. 12% returns, taking Social Security at 62 while working and investing it, no student loan forgiveness, the list goes on and on. At the end of the day he's simply a narcistic a-hole that gives okay advice for paying off debt for people who really suck at finances.

@arh1234 5 месяцев назад

I think the phrase is "bottom of the barrel". I've only heard him promote tipping generously - once you're out of debt and possibly eating out again

@MsCardio1 4 месяца назад

I cannot say I have watched EVERY Dave Ramsey video.....but could you point me in the right direction for the video in question......because I cannot believe DR ever said anything like that !!!!

@shauntelcampos3212 4 месяца назад

Do you think you would have been so aggressive in paying off your debt if you had never listened to Dave Ramsey?

@AlyssaWolverton 5 месяцев назад

I think when you are 50, you will be really happy with yourself. The student loans are an abomination to our society.

@nosirrahm 5 месяцев назад

Hey, you’ve done great even with your regrets. I have them too except I’m 20 years older and closer to retirement to make the best of the current situation. I worry about retirement, but also want to still live my life. I can’t put everything on hold until 69 to sock away all my money. I would be MISERABLE. I have about $18K of debt left to pay off (total of $57K). I’m saving up to pay off a home improvement loan that will start earning interest in 8/24. I’m trying to do the best I can as I learn to do better. 🙌🏽

@rhoadestraveled 3 месяца назад

Are you saving for your daughter's college so she isn't in the same situation financially as you were?

@jasonbeedon9867 5 месяцев назад

I don’t understand why she’s upset at Dave Ramsey?

@laurensmoneymindset 5 месяцев назад

Because IMO he either lied or negligently gave false info about federal student loans

@bwillsboys 4 месяца назад

Dave Ramsey been around for a longtime

@kloveskiwi 5 месяцев назад

Omg it’s sooo much more connecting when it’s real. Real life is challenging. I appreciate you naming the grief you feel over some decisions that were made with the best you could do at the time… so real. Go easier on yourself 😊 also it’s not “negative” to name your struggles… it’s brave and it’s an honor that we get to connect with you here in this communal way! Keep going!

@wealthbuildingstory 5 месяцев назад

“I’d like to plant flowers in my backyard” 💙💙💙 YESSSS to this energy 🌸🌹💐🌺

@laurensmoneymindset 5 месяцев назад

😄🌷

@turtlescanfly7 5 месяцев назад

Btw if you ever want to branch out into more gossip/ AITA content I would love to hear the tea from the apartment complex. Like a girl went missing?? But turned up ok? The chismosa in me couldn’t believe you just moved on from that teaser lol

@Oopsiedaisy861 4 месяца назад

must be nice to randomly get 170K

@laurarose6829 5 месяцев назад

I would include an unexpected windfall in debt payoff. Why not? That’s where it went. You could have chosen to do something else with that money. I would not have a $400k debt over me forever. I think it’s much better for you to pay it off. No regrets

@alona724 5 месяцев назад

Thank you for your vulnerability. The era of financial influencer bros who do nothing but peddle lies about how they’ve made nothing but genius decisions with only help from their bootstraps and fear clickbait is so played out. Honesty and transparency are in.

@laurensmoneymindset 5 месяцев назад

Thisss. If I see one more dude in my feed telling me how to day trade I’m gonna lose it lol.

@startupmindsets 4 месяца назад

Damn student loans messing up ppls lives..

@carolcole9789 4 месяца назад

I know it's hard talking about the mistakes you've made. But you have done fantastic and have encouraged a lot of people on how to handle money.

@MadisonBriggsArtchick 5 месяцев назад

Shouldn’t you include your home mortgage on your debt sheet?

@chanreka 5 месяцев назад

I say this a lot but it bears repeating! Give Yourself Grace! You would extend it to someone else so please extend it to yourself. The things about mistakes is that they are meant to teach you something and what you guys learned was that you are capable and just because the anger people are loud it doesn't mean they are right. Now that you have learned this you can guide your girls, friends and many others to do better. Your blessings are coming and many have arrived you just have to allow yourself to enjoy them. But I know it's hard because I have been where you are. Just keep walking the light will shine and joy is to be had! Good luck

@beccamanning2531 5 месяцев назад

I am sure you also celebrate these but you paid all that debt down to where you are now while also having other wins like supporting two children, budgeting for healthy food and buying a bigger home where you wanted it to be. I would not get too hard on yourself for refinancing that one loan because I was in that desperate mode in the same timeframe of you and also refinanced at the same time and those interest rates were so enticing and the chance for debt relief really seemed like a pipe dream

@unknownt5391 5 месяцев назад

I refinanced my mortgage and now pay 2.65% from 5.25%. I hate debt and was going to try and pay it off early, but now I might just dump my extra money into investing instead. I'm in my mid 30s.

@DubaiCashStuffer1 5 месяцев назад

I had a feeling you were going to say Dave Ramsey😀 I followed the debt snowball and got out of debt in one year. I still cash stuff till this day and try and teach others.

@rationalirrationality5691 4 месяца назад

Your past is why I’m scared to Marry someone lol

@laurensmoneymindset 4 месяца назад

Don’t be scared. My husband’s past is worse and we both have been 100% up front and honest with each other since day one.

@dearfinance 5 месяцев назад

This is good advice regarding listening to people with red flags. Thanks for sharing.

@sarahthompson5066 5 месяцев назад

Lauren, you are paying attention and making changes. That is key. AND you are still young! Think of how many people wake up a decade or two after you did and start this journey. All of your mistakes have brought you to where you are today and you would not be nearly as on top of it if you hadn't made these mistakes. Forgive yourself and move on. You are VERY YOUNG and doing a great job. Celebrate the wins and I guarantee you in 10 years, this will all be in the past. You have got this--Well done!

@summerjoy247 5 месяцев назад

You’re doing great! We ended up paying off our school loans after we sold our home and then Biden announced plans to wipe out school loan debt lol No regrets though since that was a year ago. Different circumstances…

@alona724 5 месяцев назад

My Gawd. Seeing your student loans go from $130k to $210k would cause anyone to be distraught 😢 and freaked out. Whatever happened after that… you have to forgive yourself. Honestly, Dave Ramsey should be sued… for more reasons than being a crappy boss. His trash advice is really hurting people who are vulnerable. DO NOT BLAME YOURSELF. You did the best you could do with the information you had. That’s the best anyone can do.

@minimalmiss 5 месяцев назад

Congrats 🎉 on your progress. I would definitely focus on investing as well. Even if you increase your investing by a certain % a year, I'm sure you can get there. I love seeing RU-vidr like retireearly500k, he started to invest until his 40s and increase his contributions incrementally. Even if you become more aggressive than he was, it's still motivating to know it's usually never too late to invest.

@yankeedoodle6293 4 месяца назад

Wow the struggle is real. Best of luck to you !!

@DLK9324 5 месяцев назад

thank you for your honesty, tips and warnings ~ love the payoff calc! Thank you for being you ~ we're so proud of you and where you've come from and how far...makes me so happy you've done it together.

@klt9874 5 месяцев назад

Thank you for your honesty. I understand the situation with the law degree. It is amazing just how many people hate the profession especially women and POC!

@laurensmoneymindset 5 месяцев назад

Yes, this needs to be a much bigger discussion. I worked for a firm run by 12 white men all over the age of 60..

@laurenmichelle8399 5 месяцев назад

I got a job working for my state last fall. There is a public employee student loan forgiveness program so I hope to be able to get my loans forgiven. I don’t have to pay on mine right now because I’m on an income based repayment plan and a single mom, but it will still be great to get rid of them.

@charity7273 5 месяцев назад

I love and applaud your transparency. ❤

@ryanretirement6662 5 месяцев назад

Lucky i decided to drop out college without any student loans in 2008. Now i retired at 35 years old last year 2023.

@jaj3238 2 месяца назад

“The government is legally bound to follow them” LMAO

@airsign3579 5 месяцев назад

I love this, thanks for the transparency it's tough having regrets about financial decisions. I can relate in many ways. My husband and I are just past 40 with two teens and it is definitely still messy in the middle over here!

@terryhenderson424 5 месяцев назад

How absolutely wonderful you got that windfall and you had the fortitude to pay off your student loans!

@allihead6292 5 месяцев назад

I think sharing your net worth along the journey would have provided the overview needed to fully comprehend the process.

@delaliving 5 месяцев назад

Girl, congratulations on completing such an amazing accomplishment!!!

@sue1703 5 месяцев назад

I can relate to your story! You and your husband are doing great! I got very obsessive like u. I am older than u and I have learned to just take each day and live in the moment. We have so much to be grateful for. Living within your means and living simply will set u up for the future. Thank u for sharing! :)

@mrs.carter4775 5 месяцев назад

What was the financial windfall?? I’m so confused

@user56gghtf 5 месяцев назад

Inheritance, trust, etc.

@greenlantern1986 5 месяцев назад

The numbers are super insane if the windfall didn't come along.

@DugHoles1 5 месяцев назад

Kudos, it takes courage to open up. I’ve found a lot of knowledge I’ve gained came with a price tag.

@MissCarolyn04 5 месяцев назад

Thanks for sharing your content Lauren. I just paid off my student loan debt too around the end of the pandemic.

@meredith2277 5 месяцев назад

Congrats!

@turtlescanfly7 5 месяцев назад

I think I started following you in late 2020/ early 2021 and that’s how I learned about student loan planner. I thought I would pursue PSLF and we’d have to aggressively payoff my husbands graduate loans. I was pleasantly surprised that it was better for us in the long run to get 20 year forgiveness on his loans. We both graduated law school in 2021 and feel like we missed out on the prepandemic house prices. We’re in escrow on our first home and the mortgage is going to be 3,200, which feels like huge yikes since our area was a low to MCOL area. It’s hard to push forward when it feels like everything is so hard. We’re also in the messy middle with a young child, hoping to have more and struggling to put ones aside for retirement. Your content is very relatable and I appreciate the realness even when you’re not feeling super pumped. Keep it up, yall are doing great!

@suddenlythree 5 месяцев назад

That's amazing. I love your drive to pay off debt. My husband and I are on a mission to pay off our mortgage at lightning speed. I would love to see you include your mortgage in your spreadsheet and watch that come down too!

@livinwiththeedges8283 5 месяцев назад

We are in the messy middle too. 😫 with 6 kids. 😆

@ecouch12 5 месяцев назад

Great video ☺️ I started following you because of your transparency so appreciate it still. Rooting for your family!!

@dianachriss6553 5 месяцев назад

I can not thank you enough for your vulnerable honesty. I'm so impressed with the way you present your videos and share your results whether they're successful or not. We all make mistakes and believe me! I have several financial regrets at 59. Even though I'm so near retirement age, I'm very behind but also very motivated by you. Please keep sharing.

@ashleydunford4010 5 месяцев назад

Wow! Great job. Im super thankful for people like you! Honesty is what its going to take for helping this generation that got targeted with student loans. Sharing your truthful experience helps us more than you know. Appreciate you. Enjoy your girls and dont stress too much! (same thing I tell myself everyday)

@House_Of_Cards_ 4 месяца назад

My advise for young men is this, get into trades/IT or STEM. Build your wealth and then marry a 18/19 year old conservative woman who haven't go to college so that she is: A - debt free. B - not been ruined by feminism. C - not been sleeping around. Then build a beautiful family.

@tmusa2002 4 месяца назад

What color is the wall behind you? I really like that color with the white trim. 😊

@laurensmoneymindset 4 месяца назад

Thanks! It’s BM Ballet White

@lizzie3991 5 месяцев назад

Being messy is so relatable, so don't ever worry about having to put on a smile or pretend like everything's okay - I watch, even though my experiences are so so different from yours, because the realness is refreshing and you come across as an honest and real person!

@janetyingy 5 месяцев назад

Thank you for sharing your finances with us. That takes bravery. I’ve always known that Dave Ramsey is a piece of sh*t who really only caters to wealthy people. It was also great to learn so much about you in this video; I’m seeing a side of you that was never shown before.

@ChicGeekLifeAndBudgets 5 месяцев назад

Do you have plans to make your debt payoff spreadsheet in an excel version?

@tammychewning964 5 месяцев назад

Soooooo proud of you!!!!!! Love watching your videos...........

@chellybaby 5 месяцев назад

What is a financial windfall?

@therealtaydev 5 месяцев назад

It’s when you get extra money from a source sometimes outside of regular income (lottery, inheritance, job bonus, tax refund etc)

@benprishtina153 2 месяца назад

Terrible, please don't take advice from her ever. Be careful, these people are not serious about being debt free.

@laurensmoneymindset 2 месяца назад

What about this video is so terrible? And what about me paying down my debt every single month for the last 4.5 years makes you think I’m not serious about paying off my debt?

@benprishtina153 2 месяца назад

@@laurensmoneymindset I never had a content creator respond to me before. I'm new to your channel, so my first impression is that you keep sliding back into debt, and you are overly complicating it by going back and forth sliding back into debt, resigning from working as a lawyer, instead of trying to increase your income by finding a higher paying jobs as a lawyer. in 2021 I started taking my family out of debt, but once we started, however I never ever borrowed money again, and slide back into debt, and we would only increase our household income, and never decrease until you are 100% out of debt. I guess what I really wanted to say, is this: Please don't slide back into debt, and keep it simple, first pay off all debt, then build wealth. No need to go back and forth. regards, Ben.

@megacatcher22 5 месяцев назад

I believe after 20 years the original federal balance is forgiven not the interest. so in your case you’d probably have over 100k plus an interest you’d still be on the hook for. Maybe that is the “scam”… I could be wrong though! If you do PSLF the entire balance including interest is forgiven! I only have 6 payments on pslf remaining and my entire balance will be forgiven!

@MikaelaSimone 5 месяцев назад

I don’t think it was a sham if written into your contract but once you refinance away from the original contract-debt that’s probably certainly not going to happen

@Maritza1963 5 месяцев назад

Great video. I appreciate the honesty. God bless.

@CreditDelinquencies 5 месяцев назад

this is obviously easier said than done but as long as you are holding on to your decisions (already made, no way to return and change it) that feeling will persist, unfortunately. The best solution I see is focus what progress you can do moving forward. See things ahead of you and "stop" looking at the decisions you made (unless if they are to inspire you to do even better) because they will not be changed. You are doing fine. You have accomplished much more than you probably could ever thought (even during those times when you made those decisions). You can do better? Then lets focused on that, Laureen. You can do it!

@buyerclub2 5 месяцев назад

Hey you might have seen my earlier emails, and I am a fellow Mass person. As someone else in the comments, give yourself some grace. Yes, it would have been great if you didnt borrow for the law degree. But hey you are not the first person I know that studied law, and doesn't like the job. (I know many) I do wonder if there are aspects of working in law that you might enjoy that could help you in a side hussle type of way. Yes, if you are in your30s I do think you need to apply resources towards building a portfolio. Oh, (and I am skipping around in your video), in my life I participated in some way in 2 IPO's and 2 company sales. Here is the key if that happens for you two. DO NOT SPEND those proceeds, invest them, or pay off some of that debt. These events do NOT happen all the time. And there is no guarantee they will happen., I could go on, but I guess my key messages are. 1. Give your self some slack. 2. See if you can make that asset you paid for, (your degree), help you in some way, like perhaps combining with personal finance. And three, life is not a race. Keep your priority right and you will be fine.

@KatHug 5 месяцев назад

I am sorry you felt pressured to finance your loans. I understand how daunting that kind of balance can feel like. I feel a lot of these wealth advisors try to push those who would get the forgiveness to be scared it’s not going to happen. I think they do this to try and benefit themselves and not the person struggling. Many have the mindset that why should they be on the hook to carry the forgiveness burden when they don’t have the debt so if more people are not going to benefit from the forgiveness the less the burden will be from them. I have a huge balance as well and I also had private loans so I had the benefit of seeing both systems the whole time and truly seeing the benefits to keeping my debt in the federal system. I also used to work for MOHELA one of the main servicing companies. I applaud your mindset of realize them mistake but not being sucked in to the what if you didn’t thoughts.

@mspro9032 5 месяцев назад

Relate to the school loan thing ..except the windfall of money situation. Most people dont have that just happen for them

@melissap3831 5 месяцев назад

The messy middle is fricking messy 🤣. It's extremely hard to plan and budget for every contingency. As for paying off debt, my husband and I created a paper chain out of craft paper and wrote payment goals on them. We hung it on the side of the fridge and cut off a link every time we reached a payment goal. We do not have kids, but we found it fun to make and even better to cut the links off as we went. Your girls would probably love being involved making it, and it was a great visual to see the progress. It was really exciting to cut up that last link!

@sue1703 5 месяцев назад

Know that u are and your kids are okay. My husband got very ill and it put things in perspective. Give yourself some 'grace'. We all learn from our past choices. Don't beat yourself up. You only do what u know at the time. Move forward enjoying life with your beautiful children and husband. That's what's most important in life. Take care!💜

@dougwest3272 5 месяцев назад

What is the best credit reporting company for a married couple?

@jessieschultz429 5 месяцев назад

You’re doing great, don’t look back at the negative but only to see how far you’ve come. Go plant those flowers 💐 🌸 🌺 😊

@RutgersKnox 5 месяцев назад

Have been with you since the beginning. We are on a similar journey and stage. Keep up the great work! Agree with you 100 percent that Dave Ramsey has very questionable advice! Some aspects are great, but be very wary about is ideas on his student loan, tax and inheritance advice. Almost cost us several hundred thousand dollars.

@lauraadaly 5 месяцев назад

Thank you for sharing, it's so easy to dismiss people with large incomes as being just lucky and sailing through life

@RaesOfLight 4 месяца назад

Thank you for your realness. I'm in the thick of it as well. Keep pushing - your content is needed and appreciated.

@laurensmoneymindset 4 месяца назад

Thank you! Will do!

@debbiey9452 5 месяцев назад

Hi, new sub here. Thank you for including a recap of your journey in this video. Congratulations on coming so far and I look forward to following your progress. I too have LOTS of financial regrets I am trying to forgive myself and husband for. I hope to be debt free in 4 years. The amount of money we’ve wasted on finance charges keeps me up at night.

@abc123abc99 5 месяцев назад

29:56: I thought they said 45. Is it 50? Good commentary throughout, and congrats to you and your family on your progress!

@laurensmoneymindset 5 месяцев назад

I’m almost positive that the money guys say 50 in their podcast because Brian turned 50 this year and he’s deciding whether to pay off his mortgage. Glad you enjoyed the video!

@lovelyleblanc7 5 месяцев назад

Your videos have been very informative when it comes to how to build budgets off of a one income household! My husband & I have gone back and forth about me staying home once we have children, and I've used your videos to give myself an idea of what it is like to live off of one income. Thank you for these videos! No need to beat yourself up about past financial decisions. What's done is done, just keep moving forward 😊

@christinewallace9251 5 месяцев назад

I think refinancing those debts was a good decision. Your interest went down 5%. That is awesome.

@Plantation1984 5 месяцев назад

You’re doing awesome, Lauren. We are in same stage you are. Live on LI, bought high priced home, with high interest. Got one kid, one on the way. I’m incredibly financially driven like you. Hard to pull it all off in the “messy middle.” But you’re focused and driven. It’ll work out, just stick with the program. You guys got this, as do we. It’s just gonna take a bit to really see the fruits of our dedication.

@laurensmoneymindset 5 месяцев назад

Yes! I know still pushing to make progress in this phase of life will pay off so much down the road

@tinalindahl8768 5 месяцев назад

It’s an incredible payoff and give yourself credit for the discipline it took to use your windfall so wisely!

@laurarose6829 5 месяцев назад

If you were to go back to work, even part time, you can totally knock that debt off. 😊

@Batirtze-b6x 5 месяцев назад

You're amazing. You may be older, and you're not old. Keep at it, sweetheart.

@wealthbuildingstory 5 месяцев назад

Love this overview!!

@Heydrayheyhey 5 месяцев назад

You are doing amazing! Your dedication and hard work is paying off. Lauren from just a few years ago would be so proud of you.

@socorrochenoweth8926 5 месяцев назад

Always Appreciate your honesty. You don’t see much of that now a days.

@TheBalancedRx 5 месяцев назад

HUGE accomplishments, the sacrifices you and your husband made cannot be ignored to make such amazing progress on all of your financial goals. Pat yourself on the back and keep going!! 🙂

@TheBalancedRx 5 месяцев назад

After finishing the video to completion, I understand how you’re feeling about previous choices and what could have been but I have confidence that overall your financial journey will end in success