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My eye dr just made fun of me for my glasses that are 18 years old. She tried telling me I need new one, I just told her they still work if I don’t wear contacts. Why spend money on new if they work? So crazy!

You are absolutely 💯 right 😅😂 love you ❤

I would much prefer a fleet car such as Enterprise that has low milage and good maintenance. anyday, I say that as a US Army Veteran and Transportation Tactical Driver of 8 years.

When you drive a new car off the lot that car depreciates tremndously in value that takes about two years for you not to be upside down in it. Instead, if you buy a car two years old, somebody else has already paid the deprceiation on it. Of course, it won't be $8,000.....

Had a cc for many years.....bet I save more than most cash only people. It's all about living below your means and investing...can definitely be done if you have a cc.

This is just a modern version of “let them eat cake”. She sitting here telling us how a car loan is such a terrible sin and if we need a car to just pay cash for it like everyone has “buy a car” cash laying around in today’s economy.

Those earrings!!!!! 😁👏🏼👏🏼👏🏼

Family of 6 in Smyrna, TN outside of Nashville and we spend about 1500-1600. The younger ones are home schooled and the eldest children, myself included, carry jobs that require us to work from home some weeks and away the next, so it’s expensive. Making lunch is similar to feeding a football team

Buy it!!! Play now, pay later. I financed a Corvette and then financed a Cadillac CTS-V. YOU ONLY LIVE ONCE.

This is one of the worst traps people get into. I’ve always been able to thankfully buy great used cars and I help anyone I can do it too. Not totally against loans if the options are limited which they usually are, but financing a $35,000-$50,000 car new is a terrible burden to have.

Cashback is a joke

Actually ladies can spend all the money, what men have and sometimes more. So I would not do that. I think, I would share the bills but if a lady wants to buy something for herself, she needs to get the money for it. I live in Hungary and here it is not enough, if 1 of the 2 works. But most of the ladies can spend a lot of money. Helping out each other is another thing. ;)

Avoid Chrysler cars!

Toyota's & Honda's 🍻

Not everything in life needs to provide a return on investment.

My 3% car loan is down to $ 20,000 - The Dealer sent me a panic need for my model year and offers me $ 13,000 !

I use my credit card, then transfer the money from my checking account to my savings account. When the statement comes, I transfer it back to my checking account and then pay the statement!!

A ha... Okay... Then take my 2002 manual 2.4L grand voyager and I'll take your car - and after a day I wanna hear this bull again - ez to yap, but actually doing it in real life hits totally different barby

Mercedes 2022 GlS450 Every 2 or 3 months new recalls. I am even scared to drive you never know what will be the next issue for that car

''great score, great house'', you just said it ''takes extra work'' no thank you. [ i paid cash for my house...] 10 bucks on 1,000 is still 10 bucks. my card pays3% and is is set on auto pay for fixed and rotating bills. no juggling, no math. my cc is tied to checking acct. comes right out. ''miilions that can't play that game''. i cant' play defense against lebron either... but i can run circles around chase all day.

People assume that they will be able to pay a card off when they get their next paycheck. What if that next paycheck doesn't come because you just lost your job. Never assume anything.

I’m rich so none of this applies to me, I just think she’s good looking 😂

That’s why you should only buy a truck because as long as you take care of it, it’ll keep going up and value

Not if you don’t run up miles and take care of parked inside a garage with a high resale vehicle. Many yes but not always the case. I pay cash and I’m not a millionaire

a store credt card is a whole nother animal compared to a typical cc. nice bait and switch omission, rache!

We pay everything with a CC after having our bank account cleaned out because someone got our debit card number. I wish you would address this. We pay the card in full every month so no debt. We will not go back and have to be constantly worried about security.

What are these 'check ... out ... lines' you speak of??? 🤔

It's so misleading to say you have to spend $1,000 to get $10. That's a 1% return. With a single no annual fee card you would normally get 2%. But there are many other cards that get 3% on certain categories. The Robin Hood card will get 3% on all purchases. But there's more. When you sign up for a card you should be getting a bonus. A basic no annual fee card might have a bonus of $200 for spending $500 which is a 40% return on spend. There are a lot more tricks and benefits of different cards like purchase protection, primary rental car insurance, travel insurance, but let's say you average about 5% back when you include the random sign up bonuses for the cards you occasionally apply for and the base rate of return for your spend. If you get credit card points and use them wisely, you can get 2+ cents per point value. This means you are functionally getting about 10% back on all of your spending which is not nothing. Sure, there is a pitfall of spending more in order to get a bonus or because you have a good rate of return on a given category. But pretending like you're only getting 1% back is very misleading.

My two-week hotel booking in Bali from getting one credit card is a lie guys.

God give her the perfect answer. Don’t have kids with this man but she ignore that and wasted her money on fertility and will suffer a life time with a stinky Scrooge. When the baby grows up, he will tell her why waste money on college when he can teach him/her for free!

Good warnings, but most cards only require $100 spend to get $1 back. I agree with @whitenoisewhale4342 that you're leaving money on the table when you don't use cards for most purchases. When you're budgeting with YNAB or Every Dollar, you only spend money you already have using your credit card. That means you're not overspending, and there's zero risk.

Not selling my house, will still be driving my 98 Chev Cav. I'm happy with what I have. If a "nice" car is what I need for people to like me.... bye, bye!

I'm pretty frugal. Not frivolous at all. I don't eat out. But I really had no idea how much I was spending on snacks that I didn't need. A happy surprise since I have been doing everydollar, more of my life has been falling in line with these principles and I have started to lose weight and being more purposeful in my life as general. These are life skills.

You are selling Churchill mortgage underwriting like Kim is selling dpt store cards.

*YT Quick Survey:* For your shared investing ideas, what do you think will be the next Apple/Microsoft in terms of growth?

You rock. Thanks! 😊

Tv

Wife and I are on Baby Step 7 and debt free for 2.5 years. While it's not recommended for everyone, for the past few months we've been using a Wells Fargo high rewards 2% cash back credit card for every purchase and immediately pay off the balance same day. Collectively we earned around $1500 (no interest, no fees) and recently cashed out and invested that money. There are cards out there with high rewards and no fees, but again, using them isn't recommended unless you are debt free and very, very strict and very, very good at budgeting. Cash is still King! Cheers!

Dont listen to this person....Shes a woman

See how tough Dave melts and dotes over his daughter. It is beautiful.

my favorite line regarding credit cards.... "use credit cards as leverage to purchase crypto and day trade to get rich fast"

At first I was like woah! $1500 dollars, but was like ok…you can afford it, like Racheal said you’re debt free and paying cash, on top of that you have a “beautiful “ wife that just spent 4 years of struggling to get pregnant. Allow yourselves to enjoy this process and remove the stress off your wife; love, nurture, and do everything you can for her and the baby. You’ll be much happier together.

How do we share this to Justin Trudeau!

Everyday I realized how first world countries are so behind in true wealth and happiness and most of them after working for years don’t have a saving to go visit a poor country and learn and come back and fix his/her broken family

Credit card rewards are not for making money or building wealth. Credit card rewards are a return on spend on purchases you were going to make anyways. Purchases like bills, utilities, gas, dining ect. Credit cards when used responsibly are a game changer. If you pay in cash or with a debit card, remember... youre leaving money on the table.

Best credit card rewards to have with new card, one that involves something you enjoy doing and building up rewards in time while paying off balances. Last card I opened 2 years ago, got me hotel upgrades and perks while adding points from various purchases.

Buy a used Toyota and relax.

That is a silly amount to spend on a stroller but they have a silly income. I with the husband that, that is too much but if its what she wants and you can afford it. Do it. It is wierd of her to air the dirty laundry on a podcast though.

Or if you can afford to do both do both bc I’d hate for you to be paying off your debt until you’re in your 50s and then try and start saving for retirement 😮

This was the most loaded question ever meant to troll mothers. When they called out -debt free- -300k combined income- --house paid off- -does she have a right?- when she makes half. Anyome who fell for this is a clown.