Always save for "a rainy day" but don't live like every day you're going to have it's gonna be a "rainy one". Sometimes my financial anxiety wouldn't allow me to spend on anything for myself
That once I had paid off debt, I needed another goal. I was so driven and motivated to pay off debt, that after I had done so, I felt empty. "Now what??" And I spent a crap ton of money to be in debt again to have something to "motivate me". 🤦♀️ Being debt free is good, but I had no direction after paying off debt.
Thank you Zoe. I needed to hear this. As a 39 yr old who started on her debt free journey a year and a half ago it’s hard not look at the accomplishments of others and not feel like I haven’t gained anything, but I have to constantly remind myself that their journey is not my journey. So thanks for the reminder.
hii im so glad it was helpful!! the advice to “stay in your lane” is really overdone (and sometimes rude lol) but i think it can apply so well to our financial journeys. we are on our path, doing the best we can and that is something so be so proud of!
Prioritizing friends was honestly by hardest goal/obstacle/hurdle for when i had to pay off my debt. Cuz hanging with the wrong people really does set you months back and I HATED that because i used to be yes man and a people pleaser.
Such good advice Zoe 👏 it's always easy to compare ourselves and make ourselves look like the victim, but with hard work and dedication what we want will happen for us as well ❤ I'm sending positive energy to anyone who is financially struggling right now. It's easy to feel like you're alone but let's not forget that everything we see online is not always the reality (super rich people, brand new cars, unlimited luxury items, huge houses etc)
Zoe, this is an excellent video. I especially loved everything you said about envy. When I was younger, I was also stuck in a loop of feeling immense resentment towards my circumstances-everywhere I looked I would see reflections of lives I was deeply envious of not having. It is this lack of accountability for our own lives that keeps us stuck in such miserable states. While there are certainly conversations around privilege that require more nuance than saying just be thankful, gratitude is such an amazing gift anyone can give themselves. Envy really is the thief of joy. The sooner we realize that the sooner we'll be able to look at our lives with fresh eyes and see that there is so much we still have to live for! It is so much easier to blame our personal circumstances for the big bad feelings and far more difficult to actually do the inner work of accepting that we are dealt the cards we are dealt, and there's really not much we can do about that.
I needed that harsh reminder, Zoe! I come from an area where most of my peers did not take on student debt and immediately got high paying jobs. I've struggled with envy as I took on more student debt to move to a higher paying career and am struggling to afford moving out of my parents'. I feel very resentful at times but this reminded me to count my blessings and stick to my OWN journey and have agency!
Zoe! Your videos are exactly what I need in this season of life I'm in. This was the pep talk I needed to keep going and to focus on how far I've already come. This video is getting me excited for whats on the other side once all the debt is gone, and more importantly the peace of mind I'm going to feel
Hi Zoey. I’m proud that you were able to repay all your debt. That’s my main struggle and goal in addition to settling down and having a marriage and family. Any tips on how to manage debt if currently supporting my immediate family of 5?
I have never been in debt in my whole life, not a single interest paid (ever), I'm slowly reaching 50k€ on HYSA and a bit in stocks as well, slowly saving to buy a flat in a few years (no need for a house), and I'm pretty much saving 70-75% of anything I earn. That being said, I'm solely relying on one income (main job), I should probably get a side hustle or two, that's my goal for 2024. I'm just afraid it'll go berserk and make me lose money somehow...
I probably missed it, but did you save for your emergency fund first? If so, did you save small emergency fund? Or did you focus on paying down all of your debt first?
