Відео

I have a friend who uses a walker. He went to BOA and had to wait almost an hour to get to the teller, the line was so huge! The very next day he joined a local Credit Union and is very happy. I followed him to that Credit Union and couldn't be happier! I was with BOA over 30 years, and am sorry I stayed there so long.

When I opened up my high savings account in 2017 I was going to go with CIT but I’ve never heard of them before so I didn’t. I kick myself every day for not going with them.

When you say this past year, you’re talking about 2023, correct

I still live with my parents. Cost of living where I live is too high.

Thats the reason I'm only membered with credit unions.

B of A is lousy to their women. A friend hit the glass ceiling, so she quit & went to law school! Lol. Her friend also hit a glass ceiling. She complained so they put her at an empty desk w no work. They wanted her to quit. She sued, & went to law school. Double lol. Go Ladies. This was a lot of yrs ago & still makes me laugh. Chase, keep 5 figures in an acct & earn 69 cents interest. I really like Ally, Capitol One. I also noticed on 1 of those Chase or Wells Fargo or B of A... they place the largest check first which can throw all smaller ones into non-sufficient funds status. Charges for each one. If they wait on the largest check to submit it last. You'd have zero nsf charges except for the one largest check. They can do that just like the current system is programmed to make them the most in fees. Rotten.

If you are legally visually impaired are you able to use the private city bus? In some city’s they take you to and from your home to work, doctors and grocery store.

Any big bank is woke. Shame on u if after all this time u didn't know this. Also any of the 200 banks in danger of closing. I muted at 90 seconds. This chick is complaining about interest rates on savings? That the most horrible thing? Clearly doing it for clicks. Thumbs down.

Loling at your thumbnail of a gas station worker 😂. Looks like a cat burglar

Fun Fact: If you leave ANY AMOUNT of cash in any bank account and have no transactions for 1 year, They send you a letter basically saying: "If you still want this money, you have 30 days to let us know. Otherwise we'll close the account and KEEP THE MONEY. This is true for EVERY bank.

Those banks are not interested in checking or savings accounts. Their main business is investment accounts and that is who they cater to. If you want checking or savings accounts then you will pay because it wastes their time to have to deal with checking and savings account when their main purpose is home and business loans and investment accounts in which case they are good for that.

JP Chase Bank gave me totally free checking, no minimum because I'm a veteran. I had to show my DD214 But everything really is free, including the checks!

Main reason why like mint not only it’s free, it show all my subscriptions (I got so many for work too) and hidden fees, I found it most cheapest way to have another bank checking account with all bills and subscriptions in one account only. Chase has all the graphs and breakdown of spending. Finally got my budgets organized since Mint discontinued. If I would to subscribe a new one, I will use that account.

Love this!!!

I pay for my car 130/mo insurance, 60 road tax, 240 parking, 50 maintenance No debt on the car and I hardly ever drive (< 100 miles a month) I don't find 720 on Uber unreasonable, I'll soon switch myself to the Uber model

Wells Fargo took hundreds of dollars from my daughter when she was in college and didn't have money to throw away. I HATE THEM!

To heck with all banks, join a credit union

I’m so glad this video came out! I actually have been struggling with the same thing, i worked hard to be debt free and we have cash flowed a wedding and moving etc. so i became super intentional with saving and the mindset of struggling to allow yourself to spend money is real. I have a blow money sinking fund b/c i want to try to give myself permission to just “go wild” if i wanted. I am still not there but im at least self aware of my issue with my mindset. Glad to hear others are like me!

If they have medicaid alot of medicad states has a transportaion option, they need to look into this.

I track my budget and assets but I simplify it by tracking only my accounts, not buckets of money for specific things other than by asset type (cash, investment, etc.). But money is my day job so that is how I think.

uber one membership 9.99 a month

Good advice here!! Maxing ROTH should be top goal. My only thoughts are that he should log out of the accounts more! Setting up all those savings streams is good but the mental load of monitoring and tweaking all of them can be a lot, from experience, and add to this feeling he has of constantly needing to save more. Automate savings, simplify accounts, unplug from the apps!

For transportation, a lot of cities have a disability bus that will take you from point A to B with very few stops in between. Only the stops other people on the bus need. It is much faster than regular buses.

What about Wealthfront?

Wells fargo is now charging me $10.00 a month because I`m poor my check pays rent bills food etc:

I'm unclear about which of these accounts is which. You have a Roth, SEP & Traditional, but I see you showing possibly a sum total chart at first, then the Roth, then the SEP? Is it the Traditional that has $120k? Also, is it one index fund that you show at the end per account?

I guessed the 3 banks before the video even started and that’s sad asI it should not be that predictable protect your assets people

OK for for those of them that are watching the video and saying “ WOW! It’s so expensive to live in LA” well we ain’t in Kansas no more! “ no pun intended to your home city” LA is a world city truly a magnificent landscape. Yes it’s gotten overcrowded in the last 20 years because transplants want to live here to pursue their careers and dreams ect. But if the state and businesses small and big we’re not so greedy LA would be much more affordable for the average family and person.

I've been trying to budget better lately, but with everything going up in Canada, it's tough to stay on track. Worried it's affecting my investments.

Anyone else laughing about "$200 for blow" lol

You are just overlapping in your funds. Make it even more simpler - if u want to stick with vtsax, just add certain % you are comfortable with for international funds. TDF are overlapping too. Just saying 😊. Me and you are not far off in age and thanks for calling out Ramsey bullshit of 10-12% crap 😂.

Millennial Math? She said you can make more $ interest by keeping your money in one account over separating into smaller amounts in different accounts. This alone is enough not to take her advice.

Question. I have work related expenses that get reimbursed. Do you have any tips on how to record those transactions? Thank you so much for the sheet, I think it's going to be great!

I'm so interested to see your sticker shock (the good kind) when you have your first full month in a new home

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

I went to sign up and it said in the very fine print that it’s $39.95 per month. What???

2 years worth of living expenses set aside ??? Whaaaat.. they don’t need to be watching this video..

What is your 401k balance?

Great budget. Can't see what's ahead for you guys. Love this segment of your channel!

Putting down more than 5%, especially in a hot market like KC, is silly. You'll live to regret giving up that much liquidity. I know you won't listen but hopefully this makes you think. Take it from someone who bought in 2024 and put down 5% but was going to do a huge down.

I’m excited to see the new budget from Kansas City.

Exciting!

Your advice helped us pay off all my partner's student loan debt 3 years ago, start a retirement nest egg, and save a sizeable house down payment. We just closed on our first home last week! Thanks, Justine and DFM! Hope you had a smooth move!

KC in the house! Love the Kauffman shirt. Found your channel a month or so ago. Great content and advice. I've shared with my adult children at the beginning of their careers. Best of luck with the move.

Yay

If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life.

Hi, thank you for the amazing video. Lots of information! I have a question, I’m hoping you can help me. I don’t have HSA with my employer, I actually have a FSA. Therefore I open an account with Fidelity. I’m a little confused in that case how it plays out. Am I allowed to touch it before I retire? Does the money gets invested in the stock market on my behalf? Or it’s just a high yields savings account? Since I’m paying after taxes how do I get the taxes benefits? Thank you

My focus is how much does it cost for me to transfer money from One bank to ally or Capital One what is the fee no one talks about that

the housing checklist seems to start sounding like lifestyle inflation. Avoid HOAs if you can. Your HOA may be simple and hands off now, but just wait until you get some power hungry neighbors.