How Do I Stop Living Paycheck to Paycheck? 

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Never go grocery shopping without a list.

When I first started budgeting I realized I spent 500 a month at work... buying breakfast before work, buying lunch, buying snacks. 5 days a week, average if 25 dollars a day sometimes more. I’ve saved money and lost a little weight.

Restaurants are the killer of your budget. Once I figured out how much I was spending eating out per month, I changed my ways quick.

"It isn't how much you make, it's what you do with it." Wisdom my mom told me many years ago.

When I was a child (about 1959) I watched my father put cash in envelopes every payday. Wasn't long after that he gave me an explanation. If you have a $400/month car payment, every payday put $100 in an envelope. When the car payment comes due, you have the cash in an envelope. Same with an unknown expense such as vehicle maintenance. Every payday put $20 in an envelope. When it comes time to put out $800 for tires, you have cash in the envelope. Tires are not an $800 "emergency." 62 years later I am still using those envelopes.

Food delivery apps are keeping you poor. Don’t be lazy and cook at home.

Caller: Dave should my 4 year old take karate lessons? Dave: What's his income?

Everyone should have a dedicated person like you *sentinel Recover* . People dream of hiring such a talented expert like you. Keep up the hard work.

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *sentinel Recover* . I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

I’ve started doing grocery pickup only. That way I can see what my total bill is before paying and if it’s higher than my budget I go back through and remove things I really don’t need. It’s helped tremendously.

The efficiency of this *TECH SAFE GUARDIAN* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense access like this so digestible is really something. Awesome work james!!

Don’t go grocery shopping when you are hungry- 💯 Dave🙌🏼.

Dave has given me the financial intelligence that my parents never did. For that, I thank him.

You know it’s going to be good when the caller says we have no debt except a car loan and mortgage 😂

just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

I make 75,000 a year and have a 1700 house payment, no debt. I used to live pay check to pay check. Then I found Dave and budgeted - now I have a 6 month emergency fund AND I throw 500 to 1000 month extra on the house to get it paid off in 6 to 8 years.

This channel is the sole exception where I haven't skipped the promo ads. Your finesse in effortlessly integrating promotional content within your videos is genuinely impressive. Sometimes, it takes a moment to recognize that you're endorsing anything; I commend *sentinel Recover* for your adept execution in this aspect

Awesome work, *TECH SAFE GUARDIAN* ! It's so satisfying to see you putting in the effort to stop those shady characters. Protecting the public, especially the elderly, from those despicable con artists is crucial. You truly deserve recognition and appreciation for keeping us secure. I'm thrilled for you because you're my sibling. Your accomplishments definitely make you a strong contender for the Nobel Peace Prize. Keep up the outstanding performance!!!!!

$6k take home and broke. Unreal.

*TECH SAFE GUARDIAN* hard work brings positive thought

Food is our big hole, cook at home folks

Cuando amas lo que haces, harías cualquier cosa para recuperarlo como tu cuenta y tu comunidad, es como una metáfora de ser tu padre y el canal y la comunidad tus hijos haciendo todo lo posible para recuperarlo, gracias *sentinel Recover* por todo y danos un ejemplo de que luchas por lo que amas

Thank you, *TECH SAFE GUARDIAN* . Your presence has made this entire process much more comfortable, and I am truly grateful for it. Working alongside you is a pleasure, and your dedication to your role serves as an inspiration to me. I will always remember the help and support you’ve provided me with.

" Eating my retirement" Wow something to think about.

Cooking at home, eliminating corner store snacks, and paying yourself every check will get you started. I did this working 14 an hour and saved about 400 extra a month.

"You're eating your retirement." I feel personally attacked. 😒

I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

I'll forever be grateful to you for who you are, what you did. Thank you *TECH SAFE GUARDIAN* Thanking you for your support, love, and care to your duties. You are indeed a blessing buddy. i will always remember your good did towards me

It’s a pleasure to work with someone who knows how social media ethics works and inspiring work spirit *sentinel Recover* . I’m glad that a position opened up for you that is a great next step in your career. You will never find out your real worth until you give life your best shot. Work hard and give it all you’ve got. You will find more success than you had ever thought.

It does feel like you get a raise when you use a budget, track every expense and you will realize where your money is going. A budget is a must!

Thank you, *TECH SAFE GUARDIAN* for consistently being so approachable and open-minded. Your friendly demeanor and willingness to listen and understand serve as a constant source of motivation. Your support and guidance have been especially meaningful to me during the recent account issue I encountered.

“ I was doing to much stupid in grocery stores and restaurants “. Boy I felt that 😳

this guy's deep voice is mindblowing, could listen to him all day

Your videos have been great!! I am part of your viewers and I’ve been watching your videos lately. I’m interested in trading but I still can’t figure out the right trading to engage in. I’ll any help out here.

What helps us with grocery shopping is shopping online or doing curbside pickup. You get to see exactly how much you're spending before you spend it and can delete and add groceries according to your budget. It has definitely helped us. When we go to the store to shop, it always amazes us how much more it can be versus doing it online.

Groceries, eating out, online shopping, and random purchases is what adds up!

My account also got hacked and I followed the method as explained in this video but I'm unable to proceed after recording the selfie video. Thank you *TECH SAFE GUARDIAN* . I'm really happy seeing his name everywhere in the comment. It really says a lot about his good work.

Kudos to *TECH SAFE GUARDIAN* for their innovative thinking and creativity. Your work has opened up new possibilities, and I'm grateful for your expertise and enthusiasm. Keep shining!

Other parts of the budget people lie about are: shoes, clothes, cosmetics, alcohol, and pet expenses. For every dollar spent on groceries they might spend four dollars in those other categories. $72k a year can evaporate before your eyes.

It’s beyond me how folks twice my age are calling this show, saying that they are bleeding money. Thank you Dave for coming into RU-vid and allowing me to find your content as a teenager ! I’m 26 now

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.

Thanks to Dave I recently sold my 2020 Honda civic si i was paying around 380 a month for it, came across his videos of car payments and called my bank to get the payoff and went around to see what my car can get appraised at and got a little more than what my payoff was. Shortly after i bought a 08 camry cash and have been so happy not having a car payment!!

Major props to *TECH SAFE GUARDIAN* for their outstanding work. Your expertise and commitment to delivering high-quality recovery skills is top notch to our company account. Keep pushing boundaries!

Thank you *TECH SAFE GUARDIAN* so much for your dedication in this process. Thank you for your commitment to your job. Your outstanding performance helped our me alot. Thank you once again for your hard work and dedication

Great video...The bull market is about to start, hurry up to buy promising coins like Pepennedy or others. Earned alot from stock.

How I stopped living paycheck to paycheck: got laid off

I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.

My colleague and her husband needed to move up from a townhouse to a house, but couldn’t afford to. She told me her husband went out to lunch with his colleagues every day. It was expected. They usually weren’t going to expensive places, but it still adds up. She and I brought our lunches every day and only went out for special occasions. I got onto a mortgage calculator and showed her that her husband was eating the difference in payment between a townhouse and a house. They reconsidered and soon bought the house their family needed.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

I know that when we changed to using all cash and putting the debit card away it changed things for us considerably. When we took out cash each week and put that money in envelopes we ended up spending less money. There is something about using cash for your weekly expenses (food, gas, entertainment, etc) that just makes you pay attention to it more and be more intentional about how you spend your money. I highly highly recommend moving to using cash for everything (as much as you can).

Become a minimalist!

I stop going to Restaurants and I see a difference

I’m a married man with one toddler and one on the way! I’m making 24k a year and investing and saving for retirement, and saving to pay for a van with cash. Completely debt free. I cringe when people come in here calling in making 50k+ a year and complaining. Bruh..

It’s amazing how dining out is such a big thing in the States. It seems to be something a lot of people do weekly, even daily! Not so much in Ireland. It would have to be an occasion or outing of some sort. Just a random insight into cultural differences😊

A great point... during this pandemic, not going out to eat made me feel like I got a raise. I learned that I was spending too much at restaurants. Thanks Dave... keep doing what you do!

A few years ago, when I was wanting to lose some weight, I began looking at the "unnecessary calories" (sugar in the tea, soft drinks, cream and sugar in the coffee, etc.). Same way with budgets - look at the unnecessary expenditures. As Dave and Chris mentioned, eating out is a huge budget killer. Start logging every time you go through a drive through, it might surprise you. Finally, let's talk about a huge expenditure that many are guilty of - their cable, internet, and cell phone expense. I guarantee you many households spend $500-600 or more per month on those three things.

I LOVE the whole thing about the grocery store! - Like Dave and Chris said, we all know that restaurants will eat up your money, but when I started doing the Zero-based (or "Every Dollar") budgets, Dave's budget... I was SHOCKED at how much money I was spending in groceries for me & my teenaged sons. And this caller kept saying "about this much". Knowing EXACTLY how much is key!

Almost everyone, including the media, is anticipating a market catastrophe, and as a result, many are turning a blind eye to the opportunities in the market. I recently began investing in stocks and it was the best choice I've ever made. If you genuinely want to be financially secure, disregard everything the media is suggesting. The market offers a lot of chances. Maximize your use of it

Spend less, increase income...most "Necessities" aren't so or could be had at a lower cost

When I first learned to budget-how much I “thought” versus how much I was actually spending on groceries/eating out was a huge eye opener!

That grocery list tip is so true. I go in for some bread and juice, and come out with $60 worth of cheese for a sudden late-night charcuterie board.

Stop buying stuff,simple.

For me, I believe retirees who struggle to meet their basic needs are the ones who could not a lot of things. My wife and I both spent same number of years in the civil service, he invested through a wealth manager and myself through the 401k.accumulate enough money during their active years to meet their needs. Retirement choices determine We both still earning after our retirement...

I’m gonna retire a millionaire. And when Dave is long gone.. I will look back and thank him. It was him that got me to where I am now with my Roth IRA, and it was him that helped me get my financial standings in check. I’m a custodian by the way.

I will never understand how someone can be making that much and not know where their money is going and always broke/in debt.

Gardening helps with the grocery budget!!

It takes WORK nothing great is achieved without putting the WORK IN FIRST!! You can’t wish it to get better you HAVE TO TAKE ACTION!! 💪🏽 💪🏽

Going to the grocery store on a full stomach will make you get home and be mad you didn't buy any snacks lol

"You can't manage money in the rearview mirror" Dave I love how simple and profound that statement is.

It amazes me that people listen to Dave for years and still get a car payment and tell him 😂😂😂

Dave Ramsey is 100% correct on a grocery budget! My wife and I go to the grocery store together and we use a list and ia calculator and as each item goes in the cart it's added up. As we started this, it annoyed my free-spirited wife as I am the nerd of the family nd love detail but now we both see that TOGETHER it helps and now it's a normal way of grocery shopping. The numbers do not lie.

Chris and Dave is the BEST duo on the show

So true regarding the grocery costs. I was on a “budget” and I basically took eating out completely off that list. But when I went grocery shopping, I would overspend, thinking, “Hey, at least I’m cooking and not eating out so why can’t I buy these pre-cut vegetables to save myself a bit of effort?” A few months in, I realized I’m basically spending whatever I was spending on restaurant into groceries.

The future belongs to those who believe in the beauty of their dreams. Success is a state of mind. I think I'm blessed because if not I wouldn't have met someone who is as spectacular as Expert Mrs Lucy Mary Liam.

Thanks to Dave I went from 18k in debt to 9k in a few months and on schedule to be done by January.

The future belongs to those who believe in the beauty of their dreams. Success is a state of mind. I think I'm blessed because if not I wouldn't have met someone who is as spectacular as Expert Mrs Lucy Mary Liam.

Been eating out and getting takeout more than ever during this pandemic! Gotta reel it in. Three kids home from school all day. Mom helping teach the little ones. Nobody feels like cooking. It’s wrong but sanity for us has been going to a local restaurant. We committed to changing that in this new year.

Pay yourself first! Instead of spending first and then saving, flip it. Save first then spend.

I am not overly stringent with my grocery list, because being in the store reminds me of everyday purchases I honestly need to make. I also sometimes see a bona fide buying opportunity; as long as it's a staple in my home and on a genuine discount there's no reason not to buy.

My mom said it’s not that difficult to earn $10k a month but to save $10k is totally different thing !!

Just discovered this guy Dave, luv the wisdom, real life wisdom. Subscribed & sharing & doing everything I can to implement his advice.

Me : “my 3 year old wants a power wheels “ Dave : “ what’s his income “?

I started doing a spreadsheet for groceries, breaking down by categories. It's given me a clear picture of what needed to be trimmed back. At the moment if I have any grocery money left I put it in a grocery slush fund so that when an item we use all the time comes up on a half price special I've got that bit extra cash to stock up with. It's helped us a lot while people were going nuts during the lockdowns.

I have been doing A budget for 40 years since I was 17 and I have to say that I'm not impressed with Dave's budgeting app. I do a spread sheet. Before computers I wrote it out on paper. I'm gotten more sophisticated with it over the years. But I have never found a budgeting system that I liked other than my own. I'm not trying to be bragging I'm just saying that not every system fits every person. So you have to find the system that fits for you

"We're eating our retirement!" Funny but true! A lot of people are guilty of this! Look at each receipt no matter how small it is.

I spend waaayyy too much eating out. My wallet and scale hate me 😩. I need a strict diet.

When Dave said “Oh my God!!” I almost dropped my phone. 😂

I bring a grocery list. But most times I know exactly what i'm going to be spending so I'll bring my budget for that trip in cash. At the register only cash comes out.. no card transactions.

Write down all your expenses and stick to your budget. Make sure investing is part of your budget, even if it is a tiny amount.

I cancelled Netflix, Spotify, and Amazon prime. Tired of nickel and dime-ing myself. Every dollar counts

Second jobs as CNAs on the weekends would solve alot of those problems doubles on Saturday singles on sundays 36+ hours second paychecks and a budget life changing.

I told myself I was going to budget $400.00 a month on groceries...the bill for this month so far is at $523.00. However the next grocery visit will be in February. So I'm over budget, however I am tracking it. Dave and Chris were right on the money with this one. Thanks!

"Restrunts" 😂

That’s why budgeting is KEY!! 💕

Some ready-to-eat grocery store food is quite expensive; as much as a restaurant might be. Frozen pizzas seem less expensive, but they're small as well so you need two if you have a family and it's not all that much cheaper in the end. Homemade pizza is not hard at all if you use an easy sauce and pre-sliced cheese. I can do it (making my own crust) with less work than pick up, and only a little more than delivery (while delivery is probably 8-10 times the price when you count the tip). Certain fast-food choices are probably pretty affordable if you don't overeat, but they are also quite unhealthy, so that costs megabucks in the long run. For the same price, you could cook very healthful and delicious meals at home for only the same amount of effort as driving to the place and waiting in the drive-thru.

For the newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's the sad truth. I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I have lost alot trading all by myself without a guide. Got back into crypto early in 2023 with $10k and I'm up with $128k in a short period of time.

buying out food in general kills your money. cook instead

Best strategy with grocery shopping my in laws taught my wife and I is to set a grocery budget and have one of us track the costs as we add to the cart on a calculator. If it's over like $0.40 I round up a dollar. It enables me to maintain budget pretty carefully and know when to put fun out of the cart when it doesn't fit the budget.

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *sentinel Recover* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.