The 7-Step Plan to Live Debt Free

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Start the new year out right with the peace that comes with having an actual plan for your money. Following these steps will get you out of debt so you can build wealth and never have to worry about money again!
What are you waiting for? Join the millions of people who have already paid off debt and taken control of their money and sign up for Financial Peace University today: www.rachelcruz...
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Опубликовано:

9 сен 2024

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Комментарии : 247

@crisweaver7559 3 года назад

Last year I had 15 credit card open and paying a monthly payment since I watched your videos and Dave Ramsey I have PAID OFF 12 credit cards !!! within a year. I have now 3 cards to go... I made a goal to be debt free by December... Thank you...Thank you !!!

@kays3599 4 года назад

One of my good friends is from Singapore, I'm American. I was telling her how I'm paying off credit card debt. She goes, "How do credit cards work?" I said, "You don't know how a credit cards work? Don't you use them?" She was confused. She said, "In Singapore, credit cards are not popular there. If we can't afford something, we just don't buy it." ....... I was dumbfounded.... Remember folks, common sense is not always common practice!

@cazpk6840 4 года назад

I am from Singapore and your friend is speaking of her own personal experience. People are in deep credit card debt in Singapore and payday loans are also popular and ruining lives. Don't forget you also have 2 casinos in Singapore. Debt cripples families here just as it does in other countries. Avoid borrowing wherever you are in this world....

@TraciePeters1 3 года назад

I know several people from overseas - Iran, Poland, and Italy - and they all agree that credit cards will bring nothing but trouble. They're all living here now as citizens and to this day, if they can't afford it, they don't buy it. Since the money they get is all theirs, as opposed to Chase or Crapital One's, they do have the money to afford what they want when they want it. Keep your money, be an adult, and wait to purchase the big stuff, and live free every month without worrying about debt. Baby steps lead to FREEDOM!

@SavingMoneyAndLivingLife Год назад

Very uncommon in Australia too. I've never bought a car I didn't have cash for 🤷 car payments don't make sense to me because I've never needed one 👍 I've never been in debt. So I just started at bs3 and saved 3-6 months expenses 👍 it's worked out so far, hoping it stays this way for a while 🤣😁

@raycollins4540 5 лет назад

just started this, got my budget set my 1k emergency fund and paid off 10, 000 of my 50, 000 debt so I'm seeing a difference already...

@WestZ 4 года назад

ray collins how is your progress now?

@lookforward2life 4 года назад

Hope you are still killing it and doing well :)

@kimberlywinkfield876 4 года назад

Ray Collins congratulations on your financial freedom journey

@arivd8611 3 года назад

Congratulations! This is amazing! Found rachel this week! Haven't even heard about dave ramsey before. And I am excited about paying off my debt!!

@consciousliving5959 5 лет назад

Baby Step 1: Save $1,000 for starter emergency fund Baby Step 2: Pay off debt using the debt snowball Baby Step 3: 6 Months of living expenses Baby Step 4: Invest 15% of household income for retirement Baby Step 5: Saving for kids' university Baby Step 6: Pay off home early Baby Step 7: Build wealth and give Hope this helps.

@Man_in_a_Gucci_Suit 5 лет назад

Conscious Living It’s all common sense and dave Ramsey sells it like he’s some sort of genius it’s pathetic I’m 22 and my house is half payed off because I used common sense I didn’t waste money on rent I saved instead I didn’t get addicted to cigarettes drugs or alcohol I didn’t knock someone up at 16 or 18 or 20 like most idiot kids nowadays do Common sense to save and pay off debt to avoid interest common sense

@consciousliving5959 5 лет назад

@@Man_in_a_Gucci_Suit To you it's common sense (common knowledge). To someone else it's news. What's new to you will could be considered common knowledge by others. Dave Ramsey & his team (including daughter) present this info in a friendly way. I like it. It's helping many people whose parents/environment didn't know about this stuff or didn't talk about it.

@arleneaugustahair8393 5 лет назад

Conscious Living exactly! I had to learn about finances from other people. A lot of people don’t get these classes in their high schools, especially if they live in poor areas. I just took my little cousin out today because his mom isn’t helping him. I even took him to the Book Store & showed him books he should be reading. I learned so I’m passing the information on. I’m also teaching my cousin in the process.

@lela2216 5 лет назад

+Conscious Living True!

@consciousliving5959 5 лет назад

@@arleneaugustahair8393 I didn't know about this stuff either. At least not in this much detail. The knowledge you're passing onto your cousin is good karma. It might make it's way back to you.

@portlandbellejay9606 4 года назад

When Dave hits you with the Scripture to back it up, you know its the real deal.

@senoracasiano9992 5 лет назад

THIS PROCESS WORKS!! My husband and I have paid off a little more than $60,000 in 6 months. We cut back a lot, but it has been worth it. In the next 2-3 months, we will be debt-free (excluding mortgage). We estimated Babystep 2 would take 15 months, but once we got going, we cranked it up and cut that time in half!!

@lookforward2life 4 года назад

That’s awesome!!!

@lindawade9647 2 года назад

What in the world is your income? I am a senior citizen and $60,000 is approximately three years income for me.

@Flozzie 5 лет назад

Excited 🙌🏽just payed off our car 35,000,baby step 3 here I come 🏃‍♀️

@jessicaqu 5 лет назад

I cannot get over Chris Hogan's voice. It's unreal

@thebigmann81 5 лет назад

He reminds me of actor Terry Crews

@ladye2818 5 лет назад

@@thebigmann81 Right?! The first time I ever noticed one of his videos, I could've sworn I was looking at Terry Crews.

@tapiocadelight2606 5 лет назад

Rachel, my husband and I discovered your dad on January 14, 2018. We've been following the plan for almost a year! We are out of debt - woohoo, and our Emergency Fund looks great. Last year it got us through scary times when our parents fell very ill and had to be admitted to hospital for weeks (they have fully recovered now, praise Jesus!). The bills in the private hospital were so expensive but we breezed through every one of them thanks to the Emergency Fund! It's real wisdom to follow what you and your dad teach! Greetings from us in Papua New Guinea :)

@lebavakalala6139 5 лет назад

Powerful. ... reading this from Suva, Fiji Islands 💗💗💗💗💗

@misatoshi07mohammed20 5 лет назад

@@lebavakalala6139 Bula

@lebavakalala6139 5 лет назад

Bula vinaka....

@skate1 2 года назад

😿I miss Chris And his amazing voice don't take this video down Rachel

@jacquelinemilowski3444 5 лет назад

Got up to $800 in my Emergency Fund, then had a car repair of $400 .... working to build it back up ....

@angielo4262 5 лет назад

You can do it 👍

@naomiking2442 5 лет назад

Super excited to begin leading Financial Peace next week for the first time! The class change my life in my twenties and now I am on Baby Step 7 and loving it!

@pacluv 5 лет назад

Naomi Talking Money congratulations to you. You’ll be a great class leader. Good luck 🍀

@misatoshi07mohammed20 5 лет назад

Congratulations

@RonRivet 5 лет назад

Excellent advice! We paid off over $48,000 in the last 18 months since we really committed to getting out of debt. House is paid off, kids are grown and all done school. Now we are gunning to pay off our vehicle in 18 months or less and save for retirement. I work a full-time job and we run a small cleaning business on the side that really helps too. I`ve had a few setbacks but am now focusing on my goal! Thank you Rachel, Dave and Chris! God bless!

@jessielawrence3349 5 лет назад

You're a rockstar, Ron! Good job so far. Just starting BS2. Loving these videos for motivation!!!

@RonRivet 5 лет назад

@@jessielawrence3349 You got this Jessie! The hard work and sacrifices are well worth the effort! And yes these videos and blogs are great motivators!

@gabrielapalencia5418 5 лет назад

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@RonRivet 5 лет назад

@@RyzeVirtualNatureNHiking Thanks Ryan! We determined to follow these common sense principals that Dave, Rachel and Chris teach. We set up a budget and put our heads down and got to work! We made some sacrifices too. We sold stuff we didn't need or use like our ATV`s for example. That knocked $12, 500 off our credit line. If you want it, you`ll achieve it! Hope this helps get you motivated Ryan. All the best!

@killamatrix1 2 года назад

You did it out of order but good job lol

@michaelwoods4495 3 года назад

We're in our 70s and without a "significant emotional event" like Dave's bankruptcy, so it took us a long time to learn what he teaches because we had to learn it on our own. What Dave gave us is a concise statement in seven steps that condense what we learned. So now we have only about a million cash and securities and about six hundred thousand in other assets, but we don't need any of it to live on and actually add to it from our pensions, and it'll do for the rest of our lives. Listen to these folks! You'll be glad you did.

@robertupchurch9728 3 года назад

I'm in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one month period, I have heard (and I can't remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headache along side collections, charge offs & tax liens but few weeks ago I read about CREDIT PACTH UP from an article created from 2015 by a UK blogger. They didn't only delete all negative items that's giving me headache, they also raise by score by 265pts in under 2 weeks using there direct contact [Gibbs@creditpatchup.com]

@danielpineda508 5 лет назад

Ppl giving dislikes to this video? Really? It’s free advice for a better life! What’s there to hate about free advice? Smh! If you don’t like the video, just click on the X and close it. Move on

@brandonhicks2133 5 лет назад

I was thinking the same thing!

@pacluv 5 лет назад

Some people just love to complain no matter what the subject is. They can’t even receive the message because they are to busy complaining. Move on !!!!!!!!!

@Elemiriel 5 лет назад

Watching this again for a refresher! We have our phones paid off and have paid off $4,000 + since the beginning of the year! One of my student loans is even under $1000 now! It's so exciting!

@tc16169 5 лет назад

I'm on baby step 6! Can't wait to get the house paid off; got about 88k to go. Gonna take some years to do this but the thought of being completely debt free and being able to max out all retirement just sounds heavenly

@bethshippy4247 5 лет назад

Loved this episode, so inspirational!! We sold our house and we are currently living in a camper on our new property, we are going to live in a shop first (which we have cash for), then build our house after the land is paid off, so that all we owe on is the house. This way we can get that sucker paid off in 15 years or less. We are living like no one else so later we can live and give like no one else! Let me tell you the Joneses' think we are Crazy right now!!!! #worthit

@aleaguilar425 5 лет назад

I am so thankful Ijust found out about Dave Ramsey's show a couple of weeks ago, and now yours, I am on baby step 1 have saved $500.00! My husband agrees on what I'm doing but he is not all the way into it, he tells me not to go "so crazy with it" I wish he can feel the same emotion that I feel right now, any afvice?

@mizellecherry 5 лет назад

Just calculated after 15months i got to settle my car and credit card. So i can focus paying my second car and student loan. Felt better honestly. I'm going to be consistent

@arienfox Год назад

The Baby Steps still WORK in 2023! I appreciate the plan indeed.

@nancybeland3377 5 лет назад

We were at a fast food pita restaurant over the holidays and saw the tip jar for the night - it has 5 cents in it!!! (People tap their credit cards and go, no tip).... it gave US more joy to give cash to the employee and wish her a Happy New Year than eating our meal - be a blessing!

@thebigmann81 5 лет назад

Emergency fund I say 12 months will be better. I been out of work for 8 months in the past. A 12 month fund would of made things so much better.

@Fitforacting 2 года назад

Why isn’t this channel so much bigger than it is?!?! Rachel is awesome and has such positive energy 😮

@melroselavador621 5 лет назад

oh wow, my comment was featured thanks Rachel and Dave Ramsey! You .. changed..my..life! More power to your family and Chris and all who work for the purpose of helping us who needed the hope of getting out of our misery.

@robertbrown7051 5 лет назад

It is blessing to be exposed to this information. Thank you.

@GloriaCBurke 5 лет назад

I had your book for two years “sleeping” in a box, I moved and I took it with me but still was “sleeping” in a box because I was SCARED to read it, so I donated it and... I got an audiobook and finally I did it! I am changing my life and I want more intentional life and now I found you here. Thank you!

@ACGNikki 5 лет назад

Makes sense... self-control and change fixes it, not more money. More money just means more bills.

@rebeccacella922 5 лет назад

Best. Episode. Ever. I was so moved to give in 2019!

@unguardedgoldmine2972 5 лет назад

Im getting very close to that debt free milestone. between my 401k, other stock contributions, and the extra money I now have, it will be close to 30% of my annual income invested every year. I love it!

@makesaveinvest1401 5 лет назад

"Budgeting is crucial"!! Wise words!!

@gorgeoustravels1760 5 лет назад

I didn’t hear a word you said when Chris started talking. 😊 I’ll have to watch it again

@ms.t6661 4 года назад

When my department folded at my job that changed my behavior! I couldn't go back. Now working 2 jobs I'm more frugal than ever! I'm thankful that I found out about Ramsey by listening to the Radio and his daughter Rachel is great too!!!

@yellowannie22 5 лет назад

FUNNY. THE THING IS WHEN I STARTED I CAME TO REALIZE HOW MUCH OF A DRUG SHOPPING WAS FOR ME! TOOK ME ABOUT HALF A YEAR TO REALIZE I WAS USING SHOPPING TO FILL A VOID. HAD NOTHING TO DO WITH THE JONESESS. NEVER CARED WHAT OTHER FOLKS THOUGHT OF ME. BUT LIKE AN ALCOHOLIC OR DRUGGIE. I SAW THE PULL SPENDING HAD ON ME. IT FILLED A VOID, MADE ME FEEL GOOD, KEPT ME GOING REALLY. ONCE YOU FINALLY SAY WHAT MR. RAMSEY SAYS "I'VE HAD IT" YOU WON'T EVEN REALIZE WHATS HAPPENING. THEN SOMETHING SHIFTS.

@vickieclark5931 5 лет назад

Awesome show. Having 2 of the best on your show Dave Ramsey & Chris Hogan. Wonderful advice as always and a great show to start off on 2019.

@thelmaespinel8558 5 лет назад

Thank you Rachel, love your enthusiasm and the help you give us with all the information you share.

@cwill30665 5 лет назад

I could not have said it any better!

@mohibkhan 5 лет назад

Is it me or is Dave looking sharper than his own show. Also the advice here is super powerful.

@dnazz9784 5 лет назад

This show is scripted A LOT tighter than his own.

@Ivy285 5 лет назад

I agree.

@LA-ly1nt 2 года назад

Imagine Chris Hogan's voice on a podcast, talking about everything and everything regarding economy, personal finance, growing wealth, real estate.

@lisafisher3785 5 лет назад

Thanks for focusing on all the steps

@marycarmendavi1045 5 лет назад

YOU GUYS ARE SOOO AWESOMEEEE!!! THANK YOU SOO MUCHH. You guys represent Christ and are giving Godly counsel. Thanks soooo much!!! You three are blessing me, my family and sooo many other people! You guys are like my online financial fam. May God continue bless you and prosper your who being!!! 🙌 We love you guys so much!!! ♥️♥️♥️

@monicablack8286 5 лет назад

Am I the only one that noticed Rachel said the phrase "all of the things" like 6 times this episode?!? lol I say that all the time! Your awesome Rachel!

@shanewood1725 5 лет назад

THANKYOU for doing the show on the details of baby steps. It made me laugh when you said that hogan has the voice of God! You are so right. He seems like such a kind man. Great info Rachel. Jolie/ Northern California

@seabrookthemagnificent9580 5 лет назад

Love it that Dave has such self-awareness, he can throw himself a little self-deprecating remark, like suggesting that "straight from the horse's mouth" may have come from a different part of the horse. Keeping that ego in check, allows us to step in closer. Thanks!

@kimberlye8846 5 лет назад

You guys are so wonderful! 💗😃I thank God for all of you. I can see the light at the end of the tunnel. Hopefully one day I will give my testimony of being debt free and on the path to financial freedom 🙏😇💗🥰

@bonskymontalbo5443 4 года назад

Very good advice. Been following Dave Ramsey and the Baby Steps, now in Baby Step 3! "LIVE LIKE NO ONE ELSE SO LATER WE CAN LIVE AND GIVE LIKE NO ONE ELSE!

@beel8582 5 лет назад

Man I wish I seen this before I bought a car. My first debt. 😣

@harmonyranay07 5 лет назад

Mrs Bee P. You got this pay it off. Make a payment every two weeks.

@susiemartin3374 5 лет назад

Contradictory to what Dave says regarding refi to a 15 year mortgage... He explicitly told one of his listeners with a 30 year mortgage to not bother with the costs of a refi and just use a calculator to see how much extra you have to pay per month to pay your mortgage off in 15 years. He said it makes no difference and only costs you more money to refi.

@candy2325 4 года назад

12:27 Dave went OFFFFF 😭👏🏾

@keepitsimpleydb6151 5 лет назад

Gotta get my daily dose of financial inspiration.

@brandyrivera5108 5 лет назад

HI Rachel, I am on Baby step 1 & 2, Excited about my financial journey! Thank you for doing this epsisode! ~Brandy

@niecybaby1960 5 лет назад

Look at Dave , looking all snazzy! I’m in so much debt right now! But I’m coming out!

@kristenb2972 3 года назад

The best team- the triple threat here! Love seeing Dave, Chris and Rachel - the best, hands down

@rhondawiggins5728 4 года назад

You do not need to refinance your house.Why go through that hassle and spend that money? I worked it out with my bank. I made two Half payments a month and sent extra money each time as well, paid it off in less than eight years. Refinancing cost money plus if anything should happen down the road.Yikes! I was single so I didn’t want to take any chances. Love you guys!

@Goggans 5 лет назад

Rachel you all have to talk about motherless ppl. What are we doing on baby step 5? Also, I'm not buying a home until I'm at baby step 7. Need to pay cash for my first home♡♡♡

@jerseygirl0869 5 лет назад

Malisha Goggans jump the step and focus on savings and investments. Still put that money aside but after house is paid off. Invest it (whether MMA or index fund or real estate) and you’ll be ahead of your goals.

@arthrodea 5 лет назад

If you don't have children, you can skip baby step 5 completely and move onto baby step 6. If you plan on having children at some point, you might want to consider saving up for the costs of having a child (whether that mean costs of child birth, adoption fees, baby supplies, etc) in a sinking fund. But if children are not your desire, again you can just skip step 5.

@jennifercoco2747 5 лет назад

Oh my gosh love his voice W O W!!!

@Vinegarissweet 5 лет назад

I cut my cell phone bill by more than half by shopping around. I was the only one on my Sprint plan paying $135 a month. I left and got a plan for $52 a month with AT&T (military discount helped as well). I'm just mad I didnt look sooner.... saved by switching my insurance as well.

@kayakins3117 5 лет назад

For the most part I think the baby step program is a fantastic way to win at finances. BUT in this day in age, I believe that baby step 2 and baby step 3 should flip. It just seems for most, that when it rains it pours so having that 3-6 months savings before working on the debt snowball seems like a better way to go.

@AverageJoeInvestor 5 лет назад

Great insight - I am not so sure that they should be flipped, BUT, I do think that maybe the number should be 1 FULL MONTH of Emergency Funds or maybe even 2 MONTHS as opposed to just $1,000 😀

@candy2325 4 года назад

Kayakins I totally agree. I feel so uncomfortable with only $1,000 as an emergency. I’m setting aside $3,000+ as a cushion.

@katiebelle5405 5 лет назад

I was actually shocked by the oncept of paying off the lesser debt first, but upon further thought it makes sense... in the longe term, by paying off the lesser debt, you keep more money. because in focusing on the higher debt you keep all debt brackets open for longer, thus more interest you pay overtime. I actually felt fiscally intelligent for once.

@Zenjohnny 3 года назад

Watching this in 2021. LOL 2019 feels like 10 years ago

@michaelswami 3 года назад

1. Your house can be foreclosed for non payment of property taxes, and 2. Paying off a 30 year, low interest mortgage early is economic folly.

@keepitsimpleydb6151 5 лет назад

Chris Hogan has lost weight...wow! Thank you Rachel, Dave, and Chris!

@coachbulldog4917 3 года назад

Rachel: say it with me. Insurance not an investment!. Me: bourbon monies!! 😅

@BettySakuma 5 лет назад

Awesome video! I love that you focused on the baby steps like that...just fantastic!

@WestZ 2 года назад

I miss Chris Hogan!

@glendasellers9189 2 года назад

Yes he gets it

@joshipp761 5 лет назад

What about people who live on a fixed income or whose spouse does not agree with this plan? Not all situations are ideal

@laurah6381 5 лет назад

Jo S fixed income still gives you a specific dollar amount to work with every month. As far as the spouse goes, you have to both have that common goal. Otherwise Dave would suggest marriage counseling.

@jennyvan5151 4 года назад

Love it!!! I saved this video and will watching all the time .. whenever Can .. motivate me much much more

@kasey42 5 лет назад

If you are in a 30 year mortgage it would make more sense to invest the margin you would pay into 15 year fixed rate. Compound interest on the few extra hundred dollars a month over 30 years would be a small fortune as opposed to the compound interest you would earn on the mortgage amount over the 15 years after the mortgage is paid off, likely more than the cost of your house plus the interest paid.

@k_escobar917 5 лет назад

As of 4/12/19 82k will be blessed

@christinerodriguez1227 5 лет назад

I needed this video in particular, a quick 7 step summary, thank you!

@GEAUXFRUGAL 5 лет назад

I became my own slumlord. $12.3K cash for my new home. I'm told as is, I can get $15K for this place. According to city acessor it's worth $35K Zillow calls it $48k . I'm sitting on it going to wait for the next bump in oil prices right now the market is depressed all want to sell. The town's main business resource is the oil and gas industry; flat right now. This town is the best I have ever seen to retire if you hate traffic and don't want a car here you don't need it. When you need to get things done it is real easy when everything is within a 2 mile radius if you want use a bike. Spent $15 on fuel last month and I have 150 more miles to drive before I need to get fuel. Granted I drive a Prius but I just don't have far to go so I stay local We became debt free in 2009, 2017 my wife of 17 years wanted to see what it was like living on her own . So she stole my life savings rented a place and lied to get a restraining order/divorce. Sounds fair doesn't it? Life is not fair and no longer am I . Not entertaining the idea of another union. Enjoying the peace and quiet of the missing psycho that use to wake up cussing screaming yelling.She Never was happy I'm predicting she never will be. There was no reason for her actions I did everything I could to help her she is a black hearted criminal con artist. The worse person you could lie to is yourself.

@Emily_Rudolph 5 лет назад

Great motivating video to keep on truckin!

@ceasarcarrillo5891 2 года назад

What do you do now that the market is down God bless America

@choosetoshine2610 4 года назад

Great content! Love the term "Operating Expenses."

@MikSrf723 4 года назад

If you don't have enough time or money to do this... it just doesn't matter how good your intentions are.

@candeenivens5366 5 лет назад

Do what she suggest as that will make saving easier. $1000.00 is $5.48 a day 6 months. It's $2000.20 in a year!

@longapathy6949 5 лет назад

Trust me... I’m using that Spotify lol

@thebigmann81 5 лет назад

Is spotify a podcast app? Never used it I assume that's what it is. I actually use Podbean

@oscarzepeda1558 5 лет назад

Hello everyone and Rachel !!!!! I heard from D.R. and yourself that you're Mom "SHARON" and Wife of Mr. D.R. made an appearance on your show, can someone give me the link to that particular show ??? .... I've been hearing about Sharon all these years (East Hills of Tennessee Olympic Iron Frying Pan Throwing Champion) and I am super curious if she truly exists ??? Much love to the D.R. Personalities !!!!! I'm working on Step 3 !!! my 6 month FF E-Fund !!!! Thank You For Everything !!!! You Guys are Thee Best !!!! Sincerely, Oscar....... P.S. Say Hi to George !!!!!

@kleptolad 5 лет назад

Great show. I would like to see a montage of Daves BS6 calls or a RC show all about BS6. KEEP GOING EVERYONE X

@seichorn4079 5 лет назад

hmm.. interest rates matter. Im making minimum payments on everything and focusing on the higher interest rates first. I see the logic in paying the smallest debt off so that you can apply that amount to the next debt on the list. but interest rates matter in the long run.

@pacluv 5 лет назад

S Eichorn it’s to give you quicker wins rather than to drag out the payments, you’ll lose your interest in paying it off. If you have a $10,000 cc at 5% and one at $500 at 12% you can pay that $500 off in maybe 2-3 months ( depending on your budget), where as the $10,000 card may take years to pay off. I get more joy in knocking off the debts as quick as possible.

@pacluv 5 лет назад

But do whatever works best for you. Just get out of debt. Keep your money in your pockets not in the banks or car dealers or whatever.

@seichorn4079 5 лет назад

@@pacluv yeah I dont have big loans or credit cards and most are low interest rates, thankfully.

@williamreeder3660 3 года назад

Thank y’all

@monicareyes7946 3 года назад

Thank you Jesus I can work on a lot of this the Lord knows I'm allergic to cheap perfume and I really like MAC makeup so please pray for me

@millennialanon8583 4 года назад

I completely agree with these until it comes to paying off mortgages. Most investment accounts make double the return of the average mortgage interest. It doesn't make sense long term financially to pay off a mortgage vs investing that extra money in a regular investment account with 7-8% returns

@lookforward2life 4 года назад

It’s what you can do with the money you are making but not paying each month on a mortgage. I get what you are saying but it’s their principal.

@kenya1067 5 лет назад

Seriously thanks guys. This is so helpful.

@LolaCabaya 5 лет назад

This was sooooooo good 😭🤩👏🏽

@andiclemenza6476 4 года назад

I closed all my credit cards, 15K paid in 9 months!!!! Car loan is next 🔥🔥🔥

@robertupchurch9728 3 года назад

I thought it’s just like every other recommendation. I will implore you all to get in touch with 'Gibbs@creditpatchup.com' for your credit repair. He helped me increase my credit score to 801 and erased all negative items on my credit profile within 17 days. He also paid off my mortgage loan, My appreciation I am showing by sharing this testimony. He really is a great hacker, Just contact 'Gibbs@creditpatchup.com' for help ....

@lisam.8971 5 лет назад

Thank you!!!

@philosophicaltrucker9279 5 лет назад

87 credit card companies disliked this video

@cletokings4302 3 года назад

The only thing that makes no sense is stopping 401k🤦🏻. If it takes me 4 years to get to step 4, I would loose about 16k on employer match alone and that’s not even taken the 7% annual interest.

@TrinaHoward 5 лет назад

Great Video! I love the baby step philosophy. I am shooting for having $1000 saved by Oct 2019 if not before. Then I definitely want to move onto the next steps.

@yeseniarebollar6070 3 года назад

Luv Chris Hogan 💙

@YanilleCastillo 3 года назад

To a point I noticed i wasn’t hearing from the Holy Spirit what woke me up was when my banker who didn’t even know I’m a sower tither told me I bounced 66 checks in last 6 months look at the numbers. So my question is you can’t out give God he did save my home from foreclosure at end and I paid my mortgage on time all 2020 while most in forbearance but I still struggle with sowing all I have and not saving can u do a podcast if lead by Holy Spirit to teach on this been struggling with this for 7 years

@sigua3629 4 года назад

Omg I love this video thank you 😊

@Skittleboys 5 лет назад

Skittle Boys is in the comments! Ya'll are so awesomesauce! #muchlove

@richardm5540 Год назад

Old Chris got the 👢 You can’t even buy his books anymore!

@wardaharunani01 2 года назад

Great content! So realistic

@tootysmom 5 лет назад

Good advice. Thank you!

@thebigmann81 5 лет назад

Retirement? What would be the the best retirement investment to have the biggest payout? I was thing of going with a roth IRA but I have heard a s&p 500 index would be best. So if i could get some answers or opinions that would be great.