10 Financial Goals To Conquer in Your 30s

– What’s going on everybody? My name is Jeff Rose. I’m a Certified Financial
Planner and welcome to my channel where I help people
achieve financial freedom through accelerated
wealth-building strategies. And today we’re talking
about setting goals and, yes, I am a certified goal getter. I am all about setting
goals, reviewing those goals, and most importantly,
achieving those goals, but I wasn’t always like this. Now, there was a time where I would do my
New Year’s Resolutions, I might do annual goals
and review those next year. I wasn’t all about reviewing
my goals like every single day, it just wasn’t something
that I felt was necessary, but it wasn’t until I joined
a business coaching program where they really
emphasized the importance of setting these goals and reviewing these goals
more than once a year. Now, it’s no surprise
that most rich people are reviewing their
goals and making goals. In fact, author Thomas Corley, who wrote the book Rich Habits, now, he studied millionaires
from all across the world and a commonality that he found
was 62% of all rich people, not just set goals, but they
review them every single day. They have their goals
right in front of them, so they know exactly what
they need to focus on. When’s the last time
you reviewed your goals? If it wasn’t today or
yesterday, then, chances are, you’re not on that path to
achieving financial freedom and building wealth. And I understand how
overwhelming it can be to believe that you can
truly achieve wealth, that you can become rich. We have been programed by
society and our friends and family members that we are
a product of our environment. We are stuck where we are right now and I wanna challenge you that you aren’t. You aren’t stuck. You don’t have to be poor
the rest of your life. You can achieve wealth. You can achieve financial freedom, but it all starts with setting goals and working towards achieving them. Now, for those that need that kick-off checklist to get started, what I wanna share today are what are the top 10 financial goals that you can start working on today? So we’re gonna find out
what those are right now. (upbeat theme music) All right, the first wealth-building goal you wanna work towards is
having plenty of cash on-hand. Now, we’re not talking
tens of thousands of cash, like, we just want to work towards $1,000, but sadly, it’s reported that
only 39% of all Americans have $1,000 in their emergency fund or can only can up with $1,000, only 39%! The rest would either have to borrow it from family or friends
or use their credit card, they didn’t have enough
to cover that cash, but you want to build cash savings. Why? Because cash is king. Cash will help you out with emergencies. Cash will give you the
freedom if you lose your job, if you want to change
jobs, if something happens that you need cash, you want to have cash. Now, if you’re watching this
and you’re saying to yourself “Jeff, yeah, I get it. “I need to have cash, but
where am I going to get cash?” I wanna give you two quick
solutions: One, sell your crap. What do you have in your house, what do you have in your
apartment that you do not need? What do you have that
you can sell on eBay, at a yard sale, on a Facebook page? To generate that cash that you need. The second thing is you
wanna cut out the crap. What are you paying for
that you do not need? Is it your cell phone bill? Is it Netflix? Yes, I went there. Is it your internet bill? Is it your cell phone that you just really don’t need the premium package when you can go out and
get a prepaid cell phone. Whatever that is, cut out
the crap to get to that point where you can boost
your savings to $1,000. Now, if you check out the book Total Money Makeover by Dave Ramsey, that is one of his baby steps, is achieving that $1,000 emergency fund and he challenged people with that because most people
don’t have that $1,000, so that gives you a number to shoot for and it is an achievable number. It can happen, if you
listen to some of the advice of selling some of your crap
and cutting out the crap. All right, the second
wealth-building goal is having a debt reality check and also having a debt payoff plan. Now, I know that becoming debt-free seems like an alternate
universe for many of you. You’re probably thinking “I
will never pay off my mortgage. “I will never pay off my student loans. “I can never pay off all
my credit card debt.” If you believe that, then that is true. You won’t achieve that,
you won’t become debt-free because you’ve already told yourself, but let’s get realistic. What is a reasonable payoff strategy that you can get rid of all your debts? So you need to have a debt reality check to find out exactly how
much debt do you have? What is the interest rate that
you’re paying on that debt? What can you pay off in the next three months, Six months, 12 months? And be real with yourself,
what can you really accomplish? But before you begin
that debt payoff plan, you gotta go back to that spending. You have to keep your spending in check. If you can’t pay cash with
whatever you want to buy, you can’t afford it. Let me say that one more time. If you can’t pay cash,
you can’t afford it. That is the only way that
you’re gonna become debt-free. All right, number three is
planning an early retirement. Yes, you want to plan
an early exit strategy from your career that
allows you to live your life the way that you want it
in a much sooner fashion. Now, this is funny to me
because earlier in my career, I remember telling myself I want to be able to
retire at the age of 50, it was this goal that, I don’t even know what inspired me to want that goal, but I just told myself
I want to retire at 50. So, then I just reverse-engineered what would that look like? What would I need to start saving today to achieve that goal of retiring at 50 and that’s how all goals work. So, planning an early retirement. So first you gotta figure out
when do you want to retire? How much do you think
you need at retirement? And then, being in your 20s and 30s, you have the beauty of compound interest to take advantage of investing for yourself right now to
have that money grow for you. So, to achieve this early retirement, some things you have to do is you have to start
investing into your 401k, you have to start
investing into a Roth IRA and take advantage of some
of that tax-free growth that you get inside the Roth. So what are some of the action
items that you have to start if you want to plan an early retirement? Well you have to start investing, I mean there’s no way around it, you have to start investing. So we’re gonna start
investing into our 401k to get advantage of the free
match that most 401ks offer. We’re gonna start
investing into a Roth IRA to take advantage of that
tax-free growth that you get. If you want more about the Roth IRA or more information about the Roth IRA, you can check out my Roth
IRA millionaire video. The Roth IRA is one of the greatest tools that a young person can take advantage of, especially if you’re wanting to plan for an early retirement. I would also challenge you to invest outside of the stock market, you’re gonna have to look at different alternative strategies. This could be investing
in peer-to-peer lending, it could be into real estate, it could be into crowd-funding
real estate, like Fundrise, which I’ve done videos on all of these. You can check out my Lending Club video or my Fundrise video, but investing outside of the stock market is another way that you’re
going to achieve wealth and most rich people
don’t have all their money tied up in the stock market anyway, so that’s why you want to
start exploring other options that are outside the stock market. All right, number four is
you want to seek out mentors that can help you achieve
your wealth-building goals. Whatever the lifestyle
that you want to achieve, who do you know that is close in your life that you have a direct relationship with or you can have a direct
relationship with, that has a certain level
of financial success that you would like to emulate? Somebody that you look up to, that has done the right things, that seems to make all
the right decisions. Imagine how much you can learn from them, from their experiences, from their wins, from their failures, from their struggles. You can learn so much from them,
so start seeking those out, if you’re not sure how to find a mentor, you can watch a previous video where I talked about how I found my mentor and give you some tips on
how you can find a mentor to help you achieve what you want and what your desired results are. All right, number five is
getting your insurance in check, making sure you have the proper insurance to protect you from
financial catastrophes. Now, this is one of the most boring topics that everybody wants to skip over because who wants to talk about insurance? But the reality is that
every single wealthy person that you run into is going
to have the proper coverage whether that be life
insurance, auto insurance, home owners insurance,
personal liability insurance, worker’s comp insurance,
if you’re a business owner. I don’t even know how many different types of insurance I have, but
I know that I have a lot because of protection. To make sure that my
family is taken care of. Now, if you’re watching this
and you don’t have kids yet, life insurance is probably something that you don’t need yet, but whenever kids are on the horizon, or whenever you get married,
then that is when you want to start looking at life insurance. It’s something that
you don’t want to avoid or ignore, especially
if you have loved ones that are dependent on you. Now one type of insurance
that is often overlooked is income insurance and no, I’m not talking about term life insurance. I’m talking about one that
is often not talked about or dismissed because it just
seems like it’s a lot of work and not a lot of people
know how to achieve this, but what I’m talking about is building in multiple streams of income. Now, in our previous video, I talked about my
multiple streams of income and what that has allowed me to do on so many different levels, but this is something that I
didn’t accomplish overnight. This is not something that
I just flipped the switch and all of a sudden, bam, I
got multiple streams of income. We’re talking investing a lot of time, a lot of work into resources, into book, into relationships, into mentors, to finally build a business that allows for these multiple streams
of income to come in. Now, one of my books
that I talk about a lot is Rich Dad, Poor Dad, by Robert Kiyosaki. by far the most
influential book in my life and not because it gave me
all these clear-cut strategies to implement multiple streams of income, but it gave me the hope and,
just the idea, the concept that multiple streams of
income was a possibility. So, if you haven’t checked
that book out, please do. It will at least give you a mindset shift to let you know that
it can be accomplished. One of my favorite
quotes by Warren Buffet, when he talks about building
multiple streams of income and wealth-building, Warren says, “If you don’t find a way to
make money while you sleep, “then you will work
until the day you die.” I mean, you can’t really screw around what Warren’s message is there. Is finding a way to earn
extra money on the side, making money while you’re asleep. Yes, this can be done
through the stock market, through dividends and capital gains, but most wealthy people have
some sort of extra income that they are getting,
typically while they’re sleeping or while they’re working on other projects or while they’re spending
time with their family. Now, these don’t happen overnight. It takes a lot of work and a lot of hustle to get to that point, but
the fact of the matter is that you don’t build it unless you start and if you actually
check out another video where I talked about the number
one wealth-building strategy that people don’t implement, we’re talking about
having that side hustle. What is something that
you can work on the side after you get home from
your 9-5, on the weekends, that allows you to get out of the rat-race and to start working on other projects that give you life, give you excitement, to pay off that debt, to
build off that emergency fund, and start investing for the future. And that’s why I put a lot of emphasis in building this multiple
income stream strategy. Now, there are a lot
of things that I tried that didn’t work, I went the
multi-level-marketing route. I dabbled in real estate,
but it wasn’t until blogging and online courses and really just
understanding online business where I saw these multiple
income streams start coming in. If you haven’t watched these yet, there’s a few videos you’re
gonna want to check out. The first video is How to
make the first $1,000 blogging or how you can make your
first $1,000 blogging. So, I talk about my strategy and the processes I went
to make that happen. I also have several videos on how to make money
selling online courses. Now, these are just a fraction of all the different
opportunities that exist. You have real estate,
you have retail arbitrage through Amazon or eBay. You have Amazon FBA, you have coaching, I mean, there are just
so many different ways that you can start building
a secondary income stream, but the fact is, you have to start. It’s not going to grow on it’s own, passive income doesn’t exist unless you’re willing to put
in the work to make it happen. All right, number seven is finding content with what you have and be
willing to live off less. Now, it’s funny that here I
am in a million-dollar home and I have all this cash in the bank and you would think that I would
just go on a spending spree and just buy anything and
everything that I want, but I have to reflect back on what got me to where I am today, what allowed me to reach this level of financial independence
and financial freedom and the reason is because I learned what being content was early on. There’s a reason why I
drove a 1998 Chevy Lumina out of college, there was a reason why I was still living in a
house with with my girlfriend, now wife, and my three buddies, why I was still living
on a college budget. There was a reason why I just didn’t buy $20 t-shirts when I
had the money to do it because I knew that every money that I didn’t spend on stupid things, I could either save that or invest that into something that was going to make me that much more return. So even to this day, I have
learned to live off less and be content with the things I have. Now, does that mean that I don’t splurge and buy things that I enjoy? Yeah, I splurge, you
can watch other videos where I talk about all
the Nike shoes that I own, all the tech gadgets that I have, I mean, I live in a million-dollar home, but that wasn’t anything
that I just did overnight, I took essential steps. A lot of the items I’m
sharing with you today, these wealth-building to-do
lists, these checklists, to allow me to get here,
but the first thing was to learn to live off less and just be content because the more that you can live in being
content with what you have, it just gives you so much
freedom to focus on yourself and achieving the goals
that we’ve outlined today. All right, number eight is giving back and this could be donating money, this could be donating your time, this could be being a
mentor for other people. Finding a way to give back to others, others that you may be just
one or two steps ahead of them an by having a cup of coffee with them, by sending them a text or
having a phone call with them, you could change their life just by sharing your
experiences with them. Finding a way to give back, I can’t tell you how fruitful it’s been to help others achieve success. And one of my favorite
quotes about building wealth and I wish I could give the person credit, I don’t know who said
this quote, but it says “If you want to achieve wealth, “then you need to help
others achieve wealth, too” help others live a rich lifestyle, help them accomplish their goals and you will be rewarded
for those efforts. It’s amazing how much you
can get by giving back, so find a way to give
back as much as you can. Number nine is getting your
financial house in order. So, what am I talking about here? What happens if something happens to you? We talked a little bit
about life insurance and making sure your
loved ones are protected, but do you have a will? Do you have some sort of document that outlines what happens to your things if something happens to you? Do your loved ones have access to your social media accounts? Do they have access to your bank accounts? Do they know where your stuff is? Do they know what you want to happen to your stuff after you’re gone? Now, once again, if you’re
watching this and you’re single, it’s probably not that big a
deal, but if you have parents that have been very kind
to you through the years, you can make it a whole lot easier by having these conversations so they know what to do with your stuff if something happens to you. Make sure that your
financial house is in order. All right, the last wealth-building goal you wanna work towards
is do the work you love. Now, if you’re sitting in
your cubicle watching this, you’re probably saying
“Jeff, I’m in a cubicle “how am I gonna do the work
that I love right now?” It’s not gonna happen today,
it may not happen tomorrow, it might not happen for another year or two or three years down the road, but first have a deep dive understanding of what brings you life. What gives you joy in
the work that you do? And then you can start figuring out what are the things about
your job that you hate? What are the things that
you just don’t enjoy doing? And start working towards
doing the work that you love. A book that I just
started reading recently is called The Big Leap and in this book, the author talks about working
in your zone of genius. So working in your zone of genius was this is you doing what you love to do. It gives you life. You enjoy it. It doesn’t feel like a job. The more that you can understand what are the things that give you life, the more that you can work
in the zone of genius, you start realizing the
things that you hate and in this book, he’s
done a lot of research, he’s counseled a lot of people
and what he found out was a lot of people are stuck
in these other zones of just doing things that they have to or doing the things that they do just because they’re good at them, because they’re competent. Well, that can be okay, what happens, though is
that it drags you down. It takes the life out of you. It sucks the life out of you. And if you’re not
working in your gift set, the things that you are suited for, the things that God has
intended for you to do, you don’t realize how much
that’s hurting you personally. It’s hurting you, your
relationships, your family. So working towards that zone of genius and that’s why we go back
to having that cash on hand, of having that freedom fund, because if you hate your job and if you’re buying
things that you don’t need, if you’re wasting your
money on stupid things, then you’re gonna be stuck
in this job that you hate, but if you truly hate it and you’ve identified the
thing that you want to do, the thing that you would love to do, that’s why we start saving more cash. Then we can build up these savings that allow us to get out of
this dead-end job that we hate. Get rid of the boss that we can’t stand. – Hello, Peter, what’s happening? – That is what has to happen, so find out what is the work you love and work towards achieving that. All right, so those are my
top 10 wealth-building goals, if you find yourself, you
are 20 or 30 years old and you want to achieve wealth, you don’t know where to start, I’ve just given you 10 goals that you can work towards right now. And maybe you already are, and if you are, let me now in the comments
below where you are right now in your wealth-building goal process. Which ones have you achieved? which ones are you struggling with? And if you need any help,
let me know in the comments. I wanna find out what goals you’re trying to accomplish and how I can help you achieve them and how our community can
help you achieve them, too. All right, this is Jeff Rose, reminding you that it is your money, it is your life, and only
you can make it awesome. Just go out and be a goal getter today. All right, until next time, peace! (upbeat closing jingle)

100 thoughts on “10 Financial Goals To Conquer in Your 30s

  • Now i just need to find a way to do these things in my country. Gl Americans, atleast you can educate yourselves on how to rise up on the ladder, where i'm from, it's long hard road out of hell.

  • Great video, thank you!
    I've just finished paying off an $18k debt in 12 months as part of my financial plan, it was tough but I made it!
    Now I'm building a savings account for income protection whilie still putting a bit into investing.
    Once I've got that savings I'll smash more off my mortgage 👍

  • Ive never been in debt… i am paying a car, but ive always had money to be able to pay it off … i ppl ay cash for 2 reasons, it can be tracked, and i dont like to owe… as a matter of fact other people owe me almost 10k right now.

  • I am 24 years old and honestly watching this made me very proud of myself because I am already doing the things that you adviced. I currently have some credit card debts, but i am proud that i am paying them off slowly but surely. I can't wait to get to that day where I am paying the last cents and i am debt free! I cant wait to just focus on just saving up and investing for my future. Being young has a lot of advantages! take advantage of it!

  • I buy a phone every 4 to 6 years. Depending on how much I pay for it. $600 up front, to avoid paying $120 a month for a 2 year contract. I pay $50 for everything unlimited, no contract. And it should last me 6 years. 🙏🏼✌🏼💪🏼😅

  • Hey man, here in the Netherlands the student debt interest is 0%. (Government Loan). I'm having a couple thousands left, do you suggest to pay it off whenever I can or use the money to invest for example?

  • I m 22, n just passed out with engineering degree and have a job and 0 debt. I want to invest money in mutual fund, but I just read that you should have fun and travel in your 20's and experience life, you LL not have that energy in you 30,40's when you get rich or have a good salary.
    This doubt my plans of investing.
    Any reviews

  • Just FYI: Albert Einstein never said this. It’s a myth in the financial sector easily revealed with a google search. Your content is great but personally it feels bad hearing false facts like that as it undermines the rest of what you teach. Anyway, keep it up and merry Christmas!

  • I’m very fortunate that my mom prepared my college fund for me and don’t have this student loan. I guess if you are planning to have a family, don’t pass this burden to your future children instead save for them so they don’t have to struggle that much.

  • Useless generic advice that should only be followed if you're planning on struggling in your later years and living a middle class lifestyle at best in your mid life.

    ➡️ 1. Have plenty of cash on hand [2:23] – We want to work towards $1,000.

    ➡️ 2. Have a debt reality check and a debt payoff plan [4:10] – You may think it is impossible to become debt free. It’s not, but you have to have a reasonable payoff plan.

    ➡️ 3. Plan an early retirement [5:21] – You have to decide when you want to retire, and then determine how much you need to save. Then, you have to start investing.

    ➡️ 4. Seek out mentors to help with your wealth building goals [7:34] – Whatever lifestyle you want to achieve, who do you know that has the level of success that you would like to emulate.

    ➡️ 5. Get your insurance in check [8:25] – Make sure you have the right kind of insurance to save you from financial catastrophes. This could include life insurance, auto insurance, homeowners insurance, etc.

    ➡️6. Build Multiple Streams of Income [9:41] – This is not something that happens overnight. You have to put in the work and build a business that allows for these multiple streams of income.

    ➡️ 7. Finding Content with what you have [12:53] – You have to learn to live on less. Be happy with what you have and don’t feel like you need to constantly buy the newest biggest things out there.

    ➡️ 8. Give Back [14:39] – Giving back could include donating money, time, or knowledge. You can help others achieve success.

    ➡️ 9. Get your financial house in order [15:32] – Do you have a will? Do your loved ones have access to your accounts? Make sure all of this is in order.

    ➡️ 10. Do the work you love [16:18] – Have an understanding of what brings you joy. Then start working towards doing the work that you love.

  • Hey guys! So I'm just watching this video on the 31st of December (Happy New Year!!!) and I thought it would be fun to share one of my goals for 2019 which is to make $1,000 per month passively. What are yours? What are you excited to accomplish this year?

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  • I found that discipline really helped me with saving. Watch "Daily Savings Da Hood Way" on YouTube

  • I'm starting off at Ground Zero, my sister and I had a combined debt of about $29,000 and our goal was to pay it off in 2018, a week before Christmas all of it was paid off through hard work, perseverance and commitment to our financial goal. Now we want to work towards Financial stability having a nest egg for emergencies, for travel and to own property by the time we're 30. We're currently 24 years of age.

  • Being the financial advisor in the US is the easiest job ever 😀 you Americans just have so terrible money habbits its unbelievable 😀 in Europe you don't really have this videos at all 😀

  • I'm single, 30, live in my parents house in the Bahamas, barely understand business, would like to invest in learning, and would want to know a sensible place to start a second stream of income

  • Lessons Ive Learned
    1) Start Young: Easier to save before you have a family plus compounding interest and lower tax brackets are worth the sacrifice you think you are making.
    2) Avoid debt that won't make you money (assets VS liabilities)
    3) Choose your spouse carefully: this may be the biggest success or failure to your financial success and future happiness
    4) Don't get cocky. Live below your means: just because you can buy it doesn't mean you should.
    5) Work for a goal. Don't work just to work (pay bills) work to escape the rat race.

    I'm working on achieving #5… clock's ticking: I'm 35 and behind so thank you for this video and reminders to get back on track.

  • I call BS. The main goal of your 30s should be to obtain good debt leveraged appropriately against your income AND keep your expenses+interest rates payments as low as you can.
    Making money is not always about working an extra job/income, most of the time it is about NOT wasting you income on useless isht. 🙂

  • Dave Ramsay in my opinion is not really a great example… Debt is not always a bad thing if you're able to turn that debt into positive cashflow. Yes, this is riskier, but it is more lucrative. Also, you need to have a backup plan for when the debt isn't providing a positive cashflow (ie. rent goes down, no renters, business is failing, etc) in order to keep paying for the bills, which is one of your "goals" listed in this video, with multiple sources of income. Don't "bet the farm" on one investment, spread your risk around, no matter what it is, and never keep all your "eggs in a basket."
    This concept might sound simple and age-old, but it's as close to fool-proof as you can get when taking on a substancial investment, whether that be time, money, or other. In short, have a job that pays for you and your investment(s), have a rainy day fund of at least 6 months of bills (include ALL monthly expenses, even if it's your rental properties mortgage/fees), and always prepare for the worst possible outcome so that way you never get blindsided when that day comes.
    To be completely blunt, I hate how you present – everything is simple and easy as long as you follow these steps, there's no-risk and if you talk about the risk, not much of the coverage is in depth. The only risk is not starting now and buying my book… please…

  • If you’re making a study choice that is more risky (ex: studying music instead of economics or engineering) what are some good ways to make sure you’re still going to be financially stable?

  • I've met a few of these goals. I have cash on hand. I have a debt repayment plan. I have home insurance and car insurance.
    I don't want an early retirement because if you wait for your natural retirement age, you get more monthly and no income gets taken away from you. Maybe I'll change my mind later on that one.
    I'm mostly content with what I have. I'll always want to travel more.
    I've been trying to sell "crap" here and there…
    I need to work on creating a will.

    Thanks for the tips. I'll apply some of these in the near future.

  • The if you can't pay in cash has been my best tip. I've always lived with the motto, if I can't buy it twice I can't afford it, which has helped in so many instances.

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    Quote From The Book– What we fear doing most is usually what we most need to do.
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    10. You Can Heal Your Life by Louise L. Hay
    Quote From The Book– I choose to make the REST of my life the BEST of my life.
    Buy Here– https://amzn.to/2SDodMx

    11. 12 Rules For Life by Jordan B. Peterson
    Quote From The Book– You're always ONE decision away from a totally different life.
    Buy Here – https://amzn.to/2RAksuh

    12. Who Moved My Cheese by Dr. Spencer Johnson
    Quote From The Book– If you do what you've always done, you'll get what you've always gotten.
    Buy Here – https://amzn.to/2RCuZFh

    13. A New Earth by Eckhart Tolle
    Quote From The Book– Whatever you fight, you strengthen, and what you resist, persists.
    Buy Here– https://amzn.to/2Ci4L1h

    14. The 48 Laws Of Power by Robert Greene
    Quote From The Book– Powerful people impress and intimidate by saying less. The more you say, the more likely you are to say something foolish.
    Buy Here – https://amzn.to/2SJxjaW

    15. The One Thing by Gary Keller &Jay Papasan
    Quote From The Book– Success demands singleness of purpose. YOU need to be doing fewer things for more Effect instead of doing more things with side effects.
    Buy Here – https://amzn.to/2C7GJWq

    16. The Monk Who Sold His Ferrari by Robin Sharma
    Quote From The Book– Everything is created twice, first in the mind and then in reality.
    Buy Here – https://amzn.to/2SEQYbO

    17. Psycho – Cybernetics by Maxwell Maltz
    Quote From The Book– Stop thinking in the terms of fear, anxiety or nervousness, and think only in terms of excitement. It is fine to be a bit excited before you step into the spotlight in whatever you do.
    Buy Here– https://amzn.to/2SImWUy

    18. How To Stop Worrying And Start Living by Dale Carnegie
    Quote From The Book– Let's not allow ourselves to be upset by Small things we should despise and forget. REMEMBER: Life is too short to be little.
    Buy Here– https://amzn.to/2RCIwfX

    19. What On Earth Am I Here For? by Rick Warren
    Quote From The Book– You weren't put on Earth to be remembered… You were put here to prepare for eternity.
    Buy Here– https://amzn.to/2SHw5wF

    20. Unfu*k Yourself by Gary John Bishop
    Quote From The Book– Be who you were before all that stuff happened that dimmed your f*cking shine.
    Buy Here – https://amzn.to/2RhfG5i

    21. The Untethered Soul by Michael A. Singer
    Quote From The Book– If you decide that you're going to be happy from now on for the rest of your life, you will not only be happy, you will become enlightened. Unconditional happiness is the highest technique there is.
    Buy Here– https://amzn.to/2RAG4qd

    22. The Last Lecture by Randy Pausch
    Quote From The Book– The brick walls are there for a reason. The brick walls are not there to keep us out. The brick walls are there to give us a chance to show how badly we want something. Because the brick walls are there to stop the people who don't want it badly enough. They're there to stop the other people.
    Buy Here– https://amzn.to/2SDi1nX

    23. 10% Happier by Dan Harris
    Quote From The Book– When you have one foot in the future and the other in the past, you piss on the present.
    Buy Here– https://amzn.to/2RFJSXe

    24. Girl, Wash Your Face by Rachel Hollis
    Quote From The Book– Comparison is the death of all joy, and the only person you need to be better than is the one you were yesterday.
    Buy Here– https://amzn.to/2Rzbn4S

    25. As A Man Thinketh by James Allen
    Quote From The Book– A Man sooner or later discovers that he is the master-gardener of his soul, the director of his life.
    Buy Here– https://amzn.to/2SHqF4Z

    26. The Success Principles by Jack Canfield
    Quote From The Book– Everything you want is on the other side of fear.
    Buy Here – https://amzn.to/2RyHKki

    27. The Compound Effect by Darren Hardy
    Quote From The Book– Small, seemingly insignificant steps completed consistently over time will create a radical difference.
    Buy Here – https://amzn.to/2RDwCCz

    28. The Seven Spiritual Laws Of Success by Deepak Chopra
    Quote From The Book– Success in life could be defined as the continued expansion of happiness and the progressive realization of worthy goals. It's the ability to effortlessly fulfill your deepest desires.
    Buy Here– https://amzn.to/2SIcr3R

    29. The Richest Man In Babylon by George S. Clason
    Quote From The Book– Wealth grows wherever men exert energy.
    Buy Here – https://amzn.to/2SHwvDf

    30. Start Where You Are by Meera Lee Patel
    Quote From The Book– After Everything explodes, a STAR is born.
    Buy Here – https://amzn.to/2RcQJIq

    31. Blink: The Power Of Thinking Without Thinking by Malcolm Gladwell
    Quote From The Book– We live in a world that assumes that the quality of a decision is directly related to the time and effort that went into making it.
    Buy Here – https://amzn.to/2Ca1kta

    32. Don't Sweat The Small Stuff by Richard Carlson
    Quote From The Book– You could be the ripest, juiciest peach in the world, but there will always be someone who does not like peaches.
    Buy Here – https://amzn.to/2VyA7JE

    33. The War Of Art by Steven Pressfield
    Quote From The Book– If you find yourself asking yourself, "Am I Really a Writer? Am I really an Artist?" Chances are you are! The counterfeit innovator is wildly self-confident. The real one is scared to death.
    Buy Here – https://amzn.to/2SK2H96

    34. The Science Of Getting Rich by Wallace D. Wattles
    Quote From The Book– If you want to help the poor, demonstrate to them that they can become rich; Prove it by getting Rich yourself.
    Buy Here– https://amzn.to/2AxYdve

    35. The Way Of The Superior Man by David Deida
    Quote From The Book– Spiritual practice is the capacity to offer your love even when you feel hurt, closed down, tense, angry, misunderstood or hated.
    Buy Here– https://amzn.to/2Ca1As8

  • Hi, I'm 21 and finally got a job that helps me in assisting my parents with the bills. But bec. I have this job they're making me feel responsible for everything that's going. Suddenly all the bills and all of their wishes should be answered by my paycheck. I love my family, I really do but I want to be financially stable. I want to feel like I'm not just doing my job to pay them, for their wants and needs. I wanna feel like "hey, I worked for this, I deserve a tshirt". I really need help. Thank you for your video, it helped me in knowing what to do.

  • Already on part of saving, been doing that for a while, and honestly the book rich dad poor dad helps alot. Although I had an idea about personal financial management but that book helped me kick start on savings and about being content I'm trying that for a while but it's not easy to save when you have some spear cash in your pocket

  • Wow amazing video! I feel like I really am getting my adult live in order as a 22 year old who bought her own house last june with my boyfriend. I set an emergency goal of 5000 for now which I will probably reach in the next couple months. We are getting our new home in order almost done renovating. we got a bit more plans we are saving up for. it gives so much peace and freedom, and it is actually a bit addicting. I want to take these "young years" where we have the time and energy to just build up as much as we can. In our home, financially. And also give us the space to do some fun things. One of the reasons I am so passionate about it is just because you said, i hope to start my own business somewhere in the next couple years. I have a plan of what I want to do and I am working super hard to get there. Thanks for this video! Very motivating.

  • I was getting kinda worried starting this video when he started with the cliche, "I wasn't always like this…" I thought, "Great, another unhelpful BS video." I don't know why I didn't click away. But, I'm glad I didn't. Only about halfway through the video, but I have to say I already like this video much more than a lot of the other "advise" videos made by famous investors who just throw out generic, obvious advice for clickbait and future promotions (eff those SOBs).

    Anyway, I like that there is actually non-common topics here like insurance. It can be boring (as stated in the video), but it still important to keep in mind. What I really loved though is the specific information here, like investing in crowdfunding real estate. I didn't even know there was any such thing! Great to know! ^^

  • hey whats up ive been watching your videos the last few weeks and many others . I myself just finished a internship in germany and also want to achieve financial success . I got about 3000 euros debt and plan on paying that off within the next half a year if not sooner … my problem is i really dont know what im good at i can talk shit i have a philosophical veine and i motivate myself and am sometimes able to pull others up when theyre down but other then that i dont have any 1 particular skill that im necesarily good at … could you give me any advice or perhaps some headers on which way to go ? thanks in advance … peace

  • I can tell that you have gone the Multi-Level marketing route. Nothing wrong with it. You learn many if not all the great values about life which one of them is giving back to others

  • Hi! Thanks for all the advice that you gave! It really helps, especially because I realized that, without knowing, i partially have this mindset that you`re talking about! Yayyy!! As a MA student (in fashion design, and just got my degree in History and theory of arts) I don`t have student loans, I actually got scholarships and I`m earning passive income (I rent the apartment from another city that inherited after my father died), and over all I`m doing good financially.
    But I still what your advice, if you`re willing to gave it to me… I have a lot of ideas and i want to start my youtube channel and a blog, and even write some e-books, but those take time, that now i don`t have, because of university and the tone of work i have tot do (not complaining, because I love what I`m doing). And even though all the things I will do will be directly linked to fashion, my ultimate goal is to be a fashion designer, to have my atelier and to create, but I don`t have the money to do so. And in this situation, what do you suggest? Where should I put my energy and time first? Where should I start : to make some money via internet, or to concentrate on designing? or both? simultaneously… (i`m mentioning that i`m from Romania, but still speak 3 languages, so that helps, but I still don`t know where to start to make a sustainable amount of money, active or passive )

  • Hi Jeff,
    My situation has caused me anxiety attacks. I’m a single parent, $60,000 owed in student debt. I have a son going off into college and it sure how I’ll pay for it (besides loans and grants he will receive), and one credit card at $2800.00. I can’t contribute to my 403B, because I pay the rent and buy the groceries and everything needed for the home. I just started watching your videos today. Any advice would be greatly appreciated!

  • Hi, one of my goals is to get my certification in financial planning. How do I get experience in FP in order to get my certification and have my own business? Any suggestions?

  • All of this made me think my ass is super smart.
    25 years old, just bought an appt for $75K, only loaned $30k from mother, $45kpaidd in cash.
    Living in a country where the average income is $400 per month and a gallon of gas is $6 ( you could say I'm playing this game of life on a very hard setting).
    All of these comments of people paying off $3500 debts with $2000-$4000 monthly incomes, made me pretty sure I should be the one on videos telling people how to the financial stuff.

  • How the hell do people not have $1000 in emergency money😂😂😂😂. I’ve had that since I started working at 15

  • I need ur help. I need to ask u an in depth question to help me do what I am meant to do. I’m so serious. I have been watching video after video and researching and taking notes. Doing everything I can. And still have not been able to figure out what a job wud b based on the things I love. I read rich dad poor dad. I follow Dave Ramsey. And I’m still lost. I have a $1000 cushion. And I paid off 3 credit cards this month. But I am searching for my passion. I jus don’t kno how to make money from my passions. Can u please help me?

  • I don't live in the U.S. but I keep hearing about debt. Do people in the U.S. always live in debt? I mean is it necessary to loan? I don't know the lifestyle out there. Your feedback will be greatly appreciated.

  • You realize sometime in the 2020's they are going to cure aging. There will be no reason to retire.

  • Hi Jeff,

    What are some resources/ tips to setting concrete side hustle/ passive income goals? I've been brainstorming about what I can cultivate on the side which wouldn't feel like a drag (my current main job is starting to feel that way — I digress) and which would enable financial stability (i.e. so I wouldn't be left with nothing besides savings/ E.I. if I lost my job). I do know of tools like utilizing social media or internet to sell, but I don't know what this passion project would be for me personally. Any tips?

  • Being a teen parent I always felt in a rush to get things done. I moved out at 16 and purchased my first home at 21. I was fortunate to buy while the market was low and built enough equity in 6 years to refinance my property and purchase my new home. Im renting out my old home and my new one as well as its a duplex. I want to continue to pursue real estate/renting but was also interested in perhaps investing in stocks not sure to which to do first. We just had our 2nd child ( thank god it was with the same women)😄 and I was just curious what you would invest in next if you were in my circumstance. Thanks.

  • Since August 2018 I've bought over 100 books for around 1.100€ for self development, money, business, bigraphies, the stock market, compounding and many more. I don't have the feeling I'm having less money in my wallet or bank account than I had the years before. I'm a 24 year old student and even though I spent over a thousand euros I don't think the money would be sitting in my bank account if I hadn't bought all those books. It would have gone out in some other way. Besides this I have saved 75€ every month since last summer to put into several ETFs that now reached a value of around 1.000€. As soon as I'm done with university I'll go get a well paid job, live in a single room apartment, stack up money aside to use it as down payment for financing an apartment I can rent while I'm still going to work. And I'm planing on saving more money aside until I can buy more and more properties that generate enough money to cover my expenses. Eventually I give myself exactly 7 years time to get out of my job and live off the real estate incomes from the day I begin to work.

    Allthough I'm now saving and investing money on small scale at the moment I find it important to develop the right mindest over the time, getting used to it when the money pile is little.

    Thank you very much for all your advice Jeff 🙂 It helped me out a lot.

    Greetings from Germany

  • I'm 19, I've made $20,000 but lost it all, worked back up to $5,000 and living in my own apartment, still not content though….

  • Been out of college for two years and I already paid off over 2/3 of my student loan debt. I’ve got $9,000 left and compared to where I started I’m doing great but sometimes I just get impatient and get stressed at how much more I have to go. I’m only 24 I got to remember I have time, just have to keep pushing forward

  • So many great ideas….except for the volatile market and the deterioration of any industry. Come to terms that the current generation will have to change jobs with the quick changing score of work. Fuck these videos. Stop spending too much money

  • I'm 21, I started my career the day after high school. Started investing pretty seriously a few years ago. Built my way up to 35k. Next Goal is saving up to buy a place of my own. I just keep trying to educate and improve myself

  • Im trying to learn how to save in my 30s after being in a bad marriage and recently split…living off one income is a different beast after 10 years with 2. At least I am starting at Zero with only student loans…No rent no mortgage no bills other than gas food cell phone…My struggle is actually budgeting and saving my ex did all of that and at 35 I have always had whatever was in my bank account to spend and that mindset is very difficult to break. I am so glad I came across your youtube channel today HELP ME SAVE and Buy A House!!!

  • 22, Aproaching F.I soon, after achieving F.I i'm going to escape the rat race and start working on my own, I'm so frugal so I can barely depends on multiple passive income streams 🙂
    It is not about how much money i make that makes me happy, it is about how i earned the money that makes me happy, less stress and more peaceful life
    Financial channel like yours really helps us, thanks

  • I went to college and got a degree in something I didn’t like. Didn’t learn the skills to get me the job in that field. Now I’m stuck with debt and working a day job to pay off my debt while living with parents.

    Am I happy? No.
    Did I learn something yes.
    I’m saving as much money as I can while paying off my debt.

    I don’t know what to do now.
    I don’t wanna spend money and go back to school. I don’t know what I want to do for a career. I feel lost. But I’m taking it a day at a time.

  • You have bad advice …why dont you tell your clients to buy at least 2 rental properties. When they retire, they will have 2 paid off properties that will CASHFLOW for life. A 401K drains down to zero (bad advice). Rental properties never run out of CASH. I know for a fact that if you have a $100,000 retirement fund and spend $1,000/month, you will run out of money in 8 years or so. Whereas, if you bought a property for $100,000 in cash and rented it out for $1399, and you will have a cashflow for as long as you live. You will not run out of $$$ from rental properties

  • I am 23 yo now, have $3500 in cash as safety fund and recetly started contributing 15% of my student income towards insurance + retirement fund (I work as a part-time Software Developer). Still have 2 years of uni left, and a $12000 student debt which I intend to pay off in the next 3 years (8% interest). I am now looking into investing half of my monthly net income into index funds to get advantage of the compond interest. I am also looking to find ways of diversification, maybe get a rental property on an advantageous long-term loan after graduating my Masters. Any advice on what I could start looking into? Or maybe I should focus on paying my debt more?

  • Who doesnt have 1000$ in savings? Jesus how are yall so broke sounds like lazy to me 🤷‍♂️🤷‍♂️🤷‍♂️ yall finna say “bills” and shit but naw man yall lazy. Go get money. Get off your ass. Stop buying dumb shit.

  • Age 28 with more than 300K in the bank. It’s really easy to live on less than you make I’m a minimalist. I prefer to spend money on travel and experiences over material things. I live in one of the most expensive city in the US (NYC).

  • Turns out that the illusion of wealth doesn't actually indicate or lead to wealth for the vast majority of Americans. Live below your means, when you do spend money, make sure you are getting good value on purchases. Find contentedness and satisfaction in life outside of the car you drive, the house you live in, or the vacations you take.
    -Personal Finance Professor

  • Before I watch your video, when I was at 26 years old in 1979, I already had CDN$2,500 with me, I bailed myself when I was in trouble with this emergency fund!! TODAY, I am 65 & very rich!! I saved my money carefully without spending since 1980!! My debt rate is very minimal because I have plenty of CASH!! Wish I knew you in 1974!! GOOD LUCK JEFF!!

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