How to Set Financial Goals at Any Income Level

Подписаться 456 тыс.

Просмотров 24 тыс.

50% 1

💵 Create a free budget. Sign up for EveryDollar today! ⮕ ter.li/gbb4v8
Show Description
The internet is full of bad financial advice, and it can be tricky to know what’s best for you and your money. No matter your salary, debt, marital status or savings progress, these seven steps will work for you.
Next Steps
• 📉 Plan or track your progress with Ramsey’s Investment Calculator: www.ramseysolu...
• 📲 Connect with a SmartVestor Pro: www.ramseysolu...
• 🏡 Find out which Baby Step you’re on: www.ramseysolu...
Listen to More From Ramsey Network
🎙️ The Ramsey Show ⮕ ter.li/255573
💸 The Ramsey Show Highlights ⮕ ter.li/hiyq7n
🍸 Smart Money Happy Hour ⮕ ter.li/dorhqm
🧠 The Dr. John Delony Show ⮕ ter.li/htmm6g
💰 George Kamel ⮕ ter.li/d9vd8q
💼 The Ken Coleman Show - Highlights ⮕ ter.li/94hq0v
📈 EntreLeadership ⮕ ter.li/bz63zt
Ramsey Solutions Privacy Policy:
www.youtube.co...

Опубликовано:

8 сен 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 81

@LizaJohnson-yz2wo 4 месяца назад

Thank you for keeping us informed on so many levels. fortunately for I was introduced to Ms Arleth and I want to say a big thank you for sharing your knowledge with me and I'm also earning more than I expect. God bless you

@AntoineHofman 4 месяца назад

I'm disabled, how can we generate more revenue during quantitative times? I can't afford to see my savings crumble to dust.

@MichaelClifford-pf4fr 4 месяца назад

Getting Arleth Coronado to help me really helped me clear all my debts. I started with what I have left and it's been the best decision I ever made.

@robbienorton9398 4 месяца назад

You're right! The very first time I tried, I invested $2000 and after a week, I received $8,400. That really helped us a lot to pay up our bills.

@LizaJohnson-yz2wo 4 месяца назад

She's mostly on Telegrams, using the user.

@LizaJohnson-yz2wo 4 месяца назад

SHE'S MOSTLY ON TELEGRAMS APPS WITH THE BELOW NAME

@mariacorretge6615 4 месяца назад

Thank you to all the Ramsey solutions family for helping me get out of the living pay check to pay check mentality. Such peace.

@alexpietsch7997 4 месяца назад

As of 5 hours ago I'm in BS3. Currently shopping interest rates because our local bank is a third of a percent interest

@lwangelsbg 4 месяца назад

Please do a version of Baby Steps for how to work this out with Type 1 diabetes since a child and medical costs are always going higher. Living paycheck to paycheck 60-65 hours a week. Monthly medical expenses more than rent. Living with other bare minimum living expenses. Always lived on a budget, having diabetes you have to.

@butthead321 4 месяца назад

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them🎉

@adadadadadadad-ep1fs 4 месяца назад

People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

@AlisonMilne 4 месяца назад

You are so correct! Save, invest and spend for necessities and a few small luxuries relatives to one's total assets ratio.

@jpfagapeu 4 месяца назад

Thanks to my co-worker (Alex) who suggested Ms Angela Christine Derle

@indoclaissmandiri 4 месяца назад

After I raised up to 325k trading with her l bought a new House and a car here in the states 🇺🇸 🇺🇸 also paid for my son's surgery (Andy). Glory to God.shalom.

@poark 4 месяца назад

Wow that's nice She makes you that much!! please is there a way to reach her services, I work 3 jobs and trying to pay off my debts for a while now!! Please help me.

@glad2stillbjstme 4 месяца назад

Is there a way to modify this for older people who are starting late in life? Children gone, and no spouse?

@lowcarblifewithSandraDee 4 месяца назад

Savings account I have 10 to 12 separate student loans. They have different interest rates should I include those with my debt? They are not due yet.

@myaccount9498 3 месяца назад

Yes u include them as debt!

@nellie... 4 месяца назад

Thanks Rachael 🙌

@jennycartagena6255 4 месяца назад

Thank you 🙏🏻

@RegularHuman 4 месяца назад

Thank you❤

@lindadorman2869 4 месяца назад

Please do a version of the Baby Steps for a single person, age 60+ with no children. Obviously, Steps 1-2-3 remain the same and Step 5 does not apply. But how are Steps 4, 6 and 7 adjusted to account for a late start?

@Johanneslol11 4 месяца назад

I think at that age I would increase your investment, and pay off your house. (Depending on how far you are with paying that off) and then lastly number 7. But that one should be limited at first because you first need to build enough wealth that you can retire at all

@GeoffRulzTheSky 4 месяца назад

Rachel Cruz has a great video for that!

@nadinefrandsen6087 4 месяца назад

Which video is that please?

@judydonnelly1456 4 месяца назад

@@GeoffRulzTheSky where I find that…..pose and thank u

@michellemorales401 4 месяца назад

Question on Step #4. My company matches 3% on my mandatory 5% into my 401k. Additionally, I have a 457b plan sponsored thru my employer. There's no match here, but should I be putting the other 10% into this plan or just pump it all into my 401k?

@vilmawilson3931 4 месяца назад

What advice would you give ? We are a single income family, we own our primary home and have a rental home(which was our 1st home starter)From our reWe have an emergency fund of more than 8 months plus in savings. We have a working monthly budget which looks good on paper. We find ourselves dipping into our emergency fund for big annual expenses like car insurance, car repairs and most recently adding to IRA accounts to lessen our IRS taxes. I am 58, and my spouse is 53. I have a retirement from my old job. What can we do now, to make it easier for my spouse to retire at 60?

@myaccount9498 3 месяца назад

Hi 👋 If u are dipping into your emergency fund for car expenses; then u need to modify that category into your budget. Have a sinking fund just for your car/s and add to that every time u get paid. Most car expenses like insurance, servicing etc, u can forecast what that will cost u in a year. Hope that helps u both ❤

@osaidistilo 4 месяца назад

Why isnt there a step for when to buy a house/save for downpayment

@Concatenate 4 месяца назад

Because the steps are designed to get people out of debt, primarily. Ramsey says before buying a house, be debt free, fully funded emergency fund, be able to pay 20% down and mortgage be no more than 25% of your monthly take home pay. Good luck.

@Bethelgal42 4 месяца назад

The calls saving for the down-payment 3B once you are debt free with an Emergency Fund. Ramsey says you should not spend more than two years savings for the down payment before moving on to Baby Steps 4/5/6.

@leticiaenraz8514 4 месяца назад

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but taking risks puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

@fred5528 4 месяца назад

I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.

@ivarlast2966 4 месяца назад

I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.

@nvo_beejay Месяц назад

For Step 1, where would I be keeping this emergency fund?

@blackbutterfly233ify 16 дней назад

In a high yield savings account

@thedopplereffect00 4 месяца назад

Baby step 1 was $1,200 just 4 years ago.

@41yearoldnewdriver 2 месяца назад

I am seeking part-time employment.

@stevenporter863 4 месяца назад

Way too oversimplified. Missing big things: Roth 401k, saving for a down payment, real emergencies, life curveballs, messy middle, getting to your biggest wealth building tool (job) - starter job - with unreliable transportation and not everyone is pigeonholed into their unmobile house buying.

@bb-1359 4 месяца назад

Dude, you obviously have to pay your bills and manage your life during the process… point is to do the steps in order to

@Flockko342 4 месяца назад

🎉🎉🎉

@reneeantwi-boasiako3974 4 месяца назад

happy belated birthday, Rachel! God bless you

@joeriveracomedy 4 месяца назад

So tempting to invest that emergency fund. 5k sitting there collecting basic interest.

@RafaelMartinez-xe9jw 4 месяца назад

That's a solid list! I'm also big on Blcktken300 , avalanche, algo, and matic too.

@bookwormbon482 4 месяца назад

UK version of the baby steps?

@TheVosack 4 месяца назад

No debts, mid 40s. I invest 50% of my income.

@donaldlyons17 Месяц назад

Yeah but your only living on 50% of you income..... I don't know anyone doing that

@blackbutterfly233ify 16 дней назад

@@donaldlyons17depend on what income he has

@richfrommitch 4 месяца назад

George and Rach are just making the same videos over and over now. I love the message but this is like Groundhog Day.

@forme2see155 4 месяца назад

It’s kind of like how we tell our kids to do the same things over and over again because they always forget but they still say “yeah mom, yeah dad I know”. It’s still a good reminder

@sinisakarabatkovic-fq8qg 4 месяца назад

Old Latin proverb says :" Repetition is mother of all knowledge." It keeps you in focus. Why do religious preachers spend hours every day reading passages from holly scriptures?

@bettedavis9261 4 месяца назад

@@sinisakarabatkovic-fq8qgwhat's a holly scripture, and how does it differ from a holy scripture?

@zo_471 4 месяца назад

Literally every video is just the baby steps

@EricMoore790 4 месяца назад

I have $400 saved for a down payment on a house. My wife wants to go to Applebee's. There goes the $400...

@chrisnutter6933 4 месяца назад

😂

@FLOODOFSINS 4 месяца назад

It's funny how your mom teaches you how to steal what you've admitted in other videos and here you are trying to teach others people about money😂 a family who steals tends to stay together. A family of thieves. Keep getting that free soda and free popcorn for being a hypocrite.

@kathrynp7595 4 месяца назад

Where is the step to save for a down payment on a house ?

@uthmansheikh 4 месяца назад

Baby Step 3B

@kathrynp7595 4 месяца назад

@@uthmansheikh Thanks 👍🏼

@weskarcher483 4 месяца назад

Sometimes fate plays a huge role in getting your first home. I worked at a professional job for 12 years and was laid off, I cashed out my 401k and put it away in savings. Was rehired a couple of months later and started up my 401k again. Started looking for a house about 8 months later. Since the lender only need 6 months of pay statements and my work history showed me working at the same place for over 12 years, i was approved for a pre-qual. I started shopping around with that pre-qualified letter. Came across a foreclosure and since it was a foreclosure, had to get a conventional loan which required 20 percent down. Still had my money from the 401k cash out and the rest fell right into place.