I really enjoyed this video! And hearing your husband’s answers to these questions was very interesting! He’s very honest and you both have a lot of wisdom that I wish a lot more people had. Including myself -lol.
Kaylin Lamb thank you so much for watching 💛 yes! I knew I wanted to have him in this video because I’ve definitely learned a lot from his knowledge on finances
I LOVE EVERYTHING ABOUT THIS VIDEO! I don’t even know where to begin! First of all, I appreciate your husband’s candidness and no non-sense approach to finances - sometimes you just gotta tell people how it is. I can also see so much of myself and my husband between the two of you, really learning from each other and working towards the future together. Lastly (tryna keep it short here lol), I agree with the rest of the comments saying it would be great to hear more from the two of you about all things family and parenting and even finances!
Thank you so much for watching the video 💛 that’s awesome that you and your husband really work together, definitely the way to grow in marriage. As far as him coming back, I’d love to have him here again!! I’ll see if I can convince him though 😅 he likes to stay behind the scenes
Loved your authenticity! I like your husband’s straight forward answers! Thumbs up for being on the same page financially! So glad I watched the video! Blessings:) you both are adorable!
I love you guys! Lots of really good info. I cackled out loud at hubby’s comments on peer pressure. With the toy thing, our library has a toy library and you can borrow a toy for 6 weeks. So whenever we do see something our tactic is “let’s see if the toy library has one”. If it does we get to bring the item home to play with and then return once we’re inevitably bored with it. It’s a great way to get him that special thing without accumulating more rubbish once the novelty has worn off.
Omg! This would be an amazing service for so many people in the U.S!!! And yes, it’s such a great way to teach kids not to constantly have to buy and that you are sharing this toy with other kids as well. Miss you girl 💛
This was great! His brutal honesty was cracking me up. We follow most of these principles too. We don’t have credit cards but we live debt free except our home which we are about to build a tiny home and pay a large cash amount towards it. Living debt free is pure freedom!!
Great video! Would love to hear more about your businesses. You and your husband are great! You should definitely bring him in your videos more. I Love all your videos about Montessori and minimalism and this video about personal finance is another great addition to your RU-vid channel. Would love to see more like this. Thank you and I’ll see you in your next video!
Thank you, together we run a media business where we create videos, photos, graphic design, etc. For companies/small businesses. He also owns his Music company where he produces and song-writes for commercials and other things. I’d LOVE to have him more here... but I’ll see if I can convince him to come back 😅
Great video. I’m debt free besides my home. I use my credit card for my everyday uses but I pay it off in about ten days. I never let it go to the end of the months. I haven’t used credit in about 8 years. 💪.
This is the first video I watch on your channel! Can’t believe I didn’t even think to look sooner. You are both such amazing individuals and I really enjoyed watching this video. Wishing you and your beautiful family all the best!!!
Such an awesome video! Treat that credit card like a debit card, don't carry a balance, reap the reward points 😊 7 years debt free is amazing, I'm 1 year removed from debt and it's amazing! New sub 👌🏽
Really loved this video. Love y’all’s idea of affirming but not buying what your kid wants. I saw on a video one time that a parent takes a picture with the thing the kid wants to affirm their ideas of things they want, but not buy them. We are debt free as well and live a minimalist lifestyle because of budget restraints. We try to talk all the time about just being content with what we have. This might sound silly but I will watch RU-vid videos of people shopping at Target and it really quenches my thirst for shopping without buying anything.
Wow I found this really inspiring. Thank you for making this video and your husbands answers are so interesting. Please get him to talk more about this 🙏
I was one of the random viewers because you just happened to pop up on my feed, but I’m so happy you did. 🙂 I love the solidarity you seem to share and the brutal (but compassionate) honesty here. 👏🏼
Lol @10:40 that one tip alone just got you a subscriber. I would’ve never thought of that and if the rental is business related, it’s deductible. Thank you.
I randomly came across your video because we are considering become minimalist and moving into an apartment to help us pay off debts and the house we live in now is way too big and we have accumulated sooo much unnecessary stuff. This video was so encouraging and I love that your husband is so straightforward and honest like mine. I'm one of those people who need the truth bombs. Lol. Subscribing now.
Loved this video! You guys are the cutest couple. Your husband is funny and insightful. Your white top is really nice! Would love to know where you get your basics!
Absolutely perfect - as simple as it may seem Work hard, save as crazy, spend carefully, be patient, splurge for a few items that you realllly love (sometimes only to learn that you haven’t loved them so much - that’s the lesson well learnt) And above all Live Simply a few clothes, a few personal hygiene items, a few cleaning supplies, simple kitchen, cosmetics, relaxation and entertainment for free - in nature And let’s not forget about having fun and loving what we do and what we have 😊😊😊
Ok first, I'm so happy to see u guys. I remmeber when you guys were just friends and being together on stage. Second, this is the best video you've ever made in my oppinion. You should totally do another one of tips on how to start living with less expenses.
I love how you both handle your finances because this is what I and my jusband need right now. We aren't frugal, but because of covid we are a bit struggling with our finances right now. You look sooo cute together. The spark, love and everything in between is just right there. ❤️💛🧡 Make more videos like this please🙏🏻🙏🏻🙏🏻🙏🏻.
Loved it. We’re definitely on the same journey. We use CC’s in the same way as well, spend what you actually have. Question: Lets say you bought something worth 150.00 using a CC. Lets also say that the minimum payment is due tomorrow for 25.00. How do you pay those 150.00 off so that the CC reports good payments to the Credit Bureau? All at once? Minimum and then the rest?
From my husband, what matters really is that it gets paid, what he would do is pay a larger amount than the minimum. But it’s up to you really how much you want to pay, as long as it gets paid. If you have any questions you know you can always call 😊💛
Love the part about the car. I have a car that is 14 years old and looks new. I just take care of it. It is great not having that debt or payments. I invest that money instead. On the other hand, I have a coworker who buys a new vehicle every 3 years. Mind blowing. I would never do that.
This was a great video. I am becoming a minimalist, and am practicing frugality toward becoming debt-free. This video was inspiring; just what I needed to hear at just the right time. I Thank you both.
That’s awesome! For us it’s definitely been a journey worth taking. I really hope it’s just as helpful in your life. Thank you so much for taking the time to hear us out 😊
But what about having a good credit score for things like insurance? I’m going debt free as well. I think it’s so unfair that they use credit to determine the rate you’re going to get. They should go by your driving history and age ONLY. Not your marital status or your credit. It’s stupid!
I agree. Once we became debt free the wife's credit score started going down. Mine increased because the mortgage is in me name. One hack we use is to have a streaming service charged to the credit card $9/month and pay it off. But I agree that credit scores are a scam.
I agree with you dude- you said A MORTGAGE is what you do with it and it is good or bad👍👍👍👍 we live in a high tax area also- so saving up for 40% down payment
Thank you I’m glad you found it helpful. We own a media business. We create video, photo, graphic design, etc. for companies & small businesses. As for as how we got to where we are today, I think this video is a good explanation on how we’ve come as far as we have, we’ve tried to be very financially responsible, taking care of what we have, making good relationships with people we work with, is the short answer to that 💛
Do you guys follow Dave Ramsey? Loved this video, you have great advice. We are working toward becoming debt free but we do have a mortgage. Also a minimalist family over here!
Ruby Haskell we do! My husband actually mentioned him on our original video, BUT it ended up being 36 mins loooong 😱 so I had to cut out some of it. But we think Dave Ramsey is a great person to learn from if you are tying to live debt free. My husband also likes Larry Burkett from Crown Financial. He’s a little old school but has really fantastic information! 💛
I agree with you that if you save money you don't have to save up for a large purchase. If my washer goes out we will go purchase a new one. Additionally, a car is a tool. I don't get a new hammer if the old one she works.
Many people get into debt going to college. How can a collage student go to school without having that huge amount of debt. Does he/she choose a career they can afford while going to college, should they wait til they can afford it? Love your videos!
Go to a community college and take your time there if you still can’t afford it. Yes you may have friend who finish in 4years but you don’t know what they have going to be able to finish in that time. They could have scholarships, grants, financial aid, and loans. Also you can work at your institution. If you work there long enough you can get discounts towards your tuition as a student. P.s ask them how long it would take before you can start getting the discount. When you transfer go to any instate school that has your major, it’s be cheaper in the long run. Lastly, make sure your degree is something that you like and believe that it’ll be profitable in our market and future market. Don’t get a degree in something that you aren’t going to fully pursue or be willing to move to a different environment where that degree is needed. Lastly TAKE YOUR TIME and don’t feel the pressure to graduate Bc everyone else when you aren’t financially in a place to do so. Understand your financial restrictions and move in a way where those restrictions don’t affect you in the future. The best thing I did was avoid Salle Mae. 3 years in community college, 2 years finishing up my bachelors degree, and coming out debt free!
Damn this black guy should have a talk show......so many financial self help guru but IV never seen anything like this,it's like he combines the theoretical intellectual book knowledge perfectly with real world practicality, with a logic and clarity that's rare. He's like that billionaire naval raikant on Joe Rogan show....well not quite his level but u know......
We want to build wealth, not to be confused with “getting rich”, because we want to be able to have freedom from working during our retirement, to have wealth to pass down to our children when they become adults and are trying to build their life so that they can also live a life of freedom. We believe there is great blessing in being able to build wealth not just for ourselves but to also help others.
Beautiful couple, great advice. Please put God 1st in everything. Matthew 6:33-34 But seek first the kingdom of God and his righteousness, and all these things will be added to you. “Therefore do not be anxious about tomorrow, for tomorrow will be anxious for itself. Sufficient for the day is its own trouble. James 4:13-15 Come now, you who say, “Today or tomorrow we will go into such and such a town and spend a year there and trade and make a profit”- yet you do not know what tomorrow will bring. What is your life? For you are a mist that appears for a little time and then vanishes. Instead you ought to say, “If the Lord wills, we will live and do this or that.” Our Lord Jesus Christ is coming back.. will you be ready? *please* repent and Seek God while He may be found. Tomorrow is not guaranteed.. John 3:16 For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life. Shalom
He doesn't like being in front of the camera much, or at all really, but i asked him to be in the video because I believe his point of view would be helpful for many people going through this journey.
