I've helped millions of people just like you radically improve their finances. In this video, I'll give you the brutally honest financial …
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I've helped millions of people just like you radically improve their finances. In this video, I'll give you the brutally honest financial …
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39 comments
I invested in ETFs instead of a mutual or target date fund by mistake, and I've been managing it on my own because I'm not sure what to do. Should I balance it with the advice from this video on a monthly basis or try and somehow move the money to an automated system?
In the "Wise" online bank you can create "Jars" where you put money in, and that money (you decide a percentage) gets invested into stocks, thats an alternative for people who cannot find a high yield savings account. And the best performing asset to buy is certainly Bitcoin.
AS SOON AS I GET MY MONEY, I PAY ALL THAT I CAN OFF FOR THE MONTH BUT I FEEL LIKE THAT LEAVES ME FEELING BROKE. BUT I DO IT BECAUSE I DONT WANT TO SPEND IT ON UNECESSARY SPENDINGS. WHAT CAN I DO ABOUT THIS?
❤ thank you for watching
Humanities are a waste of time and money.
Which index funds do you recommend investing from Europe? Do you also have an investment plan for us in the EU that are following you? 😀
I love short core workouts!
Does the Money for Couples book help get a picture of where a couple is financially and have plans/worksheets to take our finances to the next level and beyond? Or would another of Ramit’s books be better for actionable financial plans?
People outside of America and the Dollar, do you find it easy to apply these?
2 mil is my enough i can live off the interest from 2 mil and do everything i want
8:36 – would assume ANYONE talking about "generational wealth" while still in non-profit producing debt are just repeating what they heard on the internet and haven't used their own thinking with their beliefs about money.
My spouse lost a great deal of money $180k to one of these platforms and we was going bankrupt but for the timely intervention of Jake Blake Hunt expert team who helped to retrieve 69% of the lost funds. Until now I still have my reservations with putting money into crypto.
On my next off day imma go open a savings account
Been binging tons of your videos thank you ❤
Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?
Lol i just keep investing 100 to make .70 a month.
Then i do another 100 to make 1.40 a month
Then another 100 to make 2.10 a month
Its easier for me to think this way .
I LEarn a lot from you Sir
I appreciate the focus being on what a "Rich Life" is and what the vision is, not just a number snatched out from the universe, saying that this is what you need to focus on.
I don't agree. I found a non-profit called BetterInvesting that teaches investment clubs and individuals how to invest in many kinds of individual stocks and index funds. I love looking at individual stocks but that doesn't prevent me from also investing in mutual funds.
As you get older you figure out the what's are less important than the who's. (And I already found my dream pen, found it decades ago, a Lamy 2000) What's important to my wife and I is just to keep puttering about the house in our day to day routine. Some small scale travel, the freedom to just spend time with friends, and to keep working with a local animal rescue agency. We've been one of their bigger sponsors for years and that's important to us. Our goal was no debt and some amount of investment value. We hit it a few months ago and the first thing I did is retire. Work had lost most of its luster over the past year or two. It's a few years till I hit 67 and I'd planned on working that long and if I did I'd have more retirement money. But why? We already have more than what we want now.
We really need to get real about some basic facts today.
1) This fervour about AI and EVs today.
Who buys it?
For example I can see how Apple or Microsoft or Google or Amazon took off…..Who bought it….
Everyone.
The Internet changed the World.
2) The fervour about House Prices…..Who bought it?….Everyone…
.
1975 to 2020 is a good gauge….Since Thatcher's time…..50 years…
Over hat 50 years a roof over one's head has risen between 5,000% and 10,000% in the UK.
A House that cost £5,000 in 1975, (that was the price of a good sized family home), would now cost £500,000 to £1,000,000
That is at least hundred fold increase or 10,000% increase.
The average wage in the UK has also increased significantly since 1975, though not at the same rate as house prices. Here's a comparison:
1975:
Average Annual Wage (UK): Around £2,000–£2,500.
In 1975, wages were relatively low compared to today, and the cost of living was also much lower.
2025:
Average Annual Wage (UK): Approximately £34,000–£35,000.
This figure varies depending on the source and region, with wages in London typically higher than the national average.
Key Points:
Wage Growth vs. House Price Growth:
Wages have increased by about 1,300–1,500% since 1975.
House prices, on the other hand, have increased by over 10,000% in London during the same period.
This disparity highlights how house prices have far outpaced wage growth, making homeownership increasingly unaffordable for many.
London Wages:
In London, the average wage is higher than the national average, at around £40,000–£45,000 in 2025.
However, even with higher wages, the cost of housing in London remains disproportionately high.
Affordability:
In 1975, the average house price in London was roughly 4–5 times the average annual wage.
In 2025, the average house price in London is around 15–20 times the average annual wage.
This widening gap between wages and house prices has made it much harder for people to buy homes, particularly in cities like London.
It seems that today that all the eggs are in two baskets…Technology and House Prices.
Along with that is the DEBT problem…Government and Private DEBT at horrensous levels…
It is just unsustainable.
Something must give…soon
It's amazing how history keeps repeating itself, and the urgency to prepare is definitely real! Investing can be the best decision of your financial life. This 2025, I'm all in for the bullrun.
I didn't become financially independent until I was in my late 40's, and I'm still in my 40's. In addition to having purchased my second home and earning money on a monthly basis through passive income, I've also achieved three out of five goals. I just hope this inspires someone to realize that it doesn't matter if you don't have any of these things yet, you can start today no matter your age. Change your future by investing! I made a rather big decision by investing in the financial market.
LOL Literally me this morning, iPhone charger in my living room, office, bathroom and bedroom 🤣
It would amaze you how many people (esp lower income people) have NOT heard that phrase "pay yourself first".
It would amaze you how many people (esp lower income people) have NOT heard that phrase "pay yourself first".
Currently investing and saving as much as I can at 30 years old. Being a woman, I don’t know if I’ll ever want to stay home with future children. I want to build the freedom now so I can make whatever choice that might be!
By curiosity was that the Tinder notification tone on the pop-ups? It’s triggering 😂😂
my rich life is the freedom to get up and answer to no one but my loved ones
Remit, what is your opinion on automated portfolio, let’s say from Schwab or Vanguard, they all offer them. Is it a good option to start with until i learn more about investing?
Thanks! For being serious and funny!
Money game basically derived from Ponzi.
Lots of good information in this video. Beware of the people in the comments pushing particular financial professionals
I invested in individual stocks all through 2024 and made a whopping $8.99 😂 lesson learned
LOL, I like how brutal this guy is when it comes to true financial advice 🤣
Guys, you need to delve deeper into the rabbit hole; this is all surface level. Go to Vexoner and read the forbidden books about money
There's a book called Zyphura Money by Hunter Zypher on Vexoner, and it talks about how using some secret tehniques you can attract a lot of money, it's not some bullshit law of attraction, it's the real deal
It's crazy how no one is talking about Zyphura Money on Vexoner. This book has secrets that could change everything, but people seem blind to it. Wake up and see for yourself!
there's a forbidden book called Zyphura Money by Hunter Zypher on Vexoner that show's all of the dark marketing strategies that today's business gurus use and it's shocking