MID-YEAR FINANCIAL RESET (+ July Budget with Me) 💰💸✔️

Summary

Dieses Video bietet einen Einblick in die Haushaltsführung und finanzielle Ziele des Jahres 2024. Die Erstellerin teilt ihre Erfahrungen mit Budgets, wie sie ihre Ausgaben im Juni steuerte und wie sie ihren Haushalt für Juli plant, um ihre finanziellen Ziele zu erreichen. Sie reflektiert über ihre Fortschritte bei Schulden, Notfallgeld und Autokredit sowie über ihre Ersparnisse und Einkommensziele. Zudem präsentiert sie ihre Vision zur Finanzplanung und wie sie ihre Ausgaben im Vergleich zu ihren monatlichen Einnahmen ausrichtet, um finanzielle Unabhängigkeit zu erlangen.

Takeaways

• 🎥 Die Video-Transkript ist eine Finanz-Überprüfung und -Planung für Juli, mit einem Fokus auf eine Finanz-Neuausrichtung im Jahr 2024.
• 💰 Die Person hat im Januar ein Finanz-Reset-Video gemacht, das ihr und den Zuschauern half, und plant nun, ähnlich für Juli vorzugehen.
• 📋 Sie nutzt eine Tabelle, um ihre Ausgaben zu verfolgen und finanzielle Ziele für das Jahr zu setzen.
• 🚀 Sie hat drei große finanzielle Ziele für 2024 gesetzt: Studentenkredit abbezahlen, Notfallgeld auf 4.000 USD aufbauen und den Autokredit auf 10.000 USD reduzieren.
• 💼 Sie hat einen neuen Job bekommen, was bedeutet, dass sie mehr Geld verdient und ihre finanziellen Ziele anpassen kann.
• 🔄 Ihr Budget wird angepasst, um mehr Geld für ihre größeren Ziele wie die Kredite und das Notfallgeld bereitzustellen.
• 🏦 Sie hat ihre Kreditwürdigkeit überprüft und ist zufrieden damit, dass sie in gutem Stand ist.
• 💡 Sie betont die Wichtigkeit regelmäßiger Überprüfung aller Finanzkonten, Kreditkarten und monatlicher Zahlungen.
• 🛍️ Im Juni hat sie in Kaffee und Schönheitspflege mehr Geld ausgegeben als geplant, aber sie hat ihre Essen- und Einkausgaben im Rahmen gehalten.
• 🎟️ Sie hat für Unterhaltung und persönliche Einkäufe etwas über das Budget gegangen, insbesondere wegen Konzerttickets, aber sie ist zufrieden mit ihrer allgemeinen Ausgabendisziplin.
• 🌟 Sie plant, im Juli weniger Geld für draußen Essen und mehr für den Disney-Urlaub und andere Erfahrungen auszugeben, und plant dies im Budget zu berücksichtigen.

Q & A

Was war das Hauptziel des Juli-Budget-Videos?

Das Hauptziel des Juli-Budget-Videos war, einen Finanz-Reset zur Jahresmitte durchzuführen, um die im Januar gesetzten Finanzziele zu überprüfen und anzupassen, sowie einen Überblick über die Ausgaben des Vormonats und den geplanten Haushalt für Juli zu geben.

Was war eines der Hauptziele, das im Januar gesetzt wurde?

Eines der Hauptziele, das im Januar gesetzt wurde, war die Rückzahlung des Studentenkredites, das Aufbauen des Notfallfonds auf 4.000 Dollar und die Verringerung der Autokreditschuld auf 10.000 Dollar.

Wie viel Prozent der Ausgaben gingen im Juni für Unterhaltung aus?

Im Juni gingen 21% der Ausgaben für Unterhaltung aus, was hauptsächlich für die Kosten von Konzerttickets ging.

Was war die größte Ausgabenüberschreitung im Juni?

Die größte Ausgabenüberschreitung im Juni war im Bereich des Kaffees, wo 59 Dollar ausgegeben wurden, anstatt des geplanten 30 Dollar.

Wie hat sich die Autorin ihre Finanzziele für 2024 vorgestellt?

Die Autorin hat ihre Finanzziele für 2024 mithilfe eines Visionsboards visualisiert, einschließlich Einkommen, Rückzahlung von Schulden und Aufbau eines Notfallfonds.

Was hat die Autorin über ihre Kreditwerte gesagt?

Die Autorin hat erwähnt, dass sie ihren Kreditwert überprüft hat und dass sie in gutem Stand ist. Sie empfiehlt auch, dass die Zuschauer ihren Kreditwert überprüfen.

Was war die Hauptänderung im Juli-Haushalt aufgrund der neuen Arbeit?

Die Hauptänderung im Juli-Haushalt aufgrund der neuen Arbeit war die Erhöhung der monatlichen Zahlungen für den Autokredit und den Studentenkredit, um schneller die Finanzziele für das Jahr zu erreichen.

Wie plant die Autorin, ihren Notfallfonds aufzubauen?

Die Autorin plant, ihren Notfallfonds aufzubauen, indem sie jeden Monat Beiträge leistet und ihre Haushaltsmittel anpasst, um das Ziel von 4.000 Dollar zu erreichen.

Was war die größte unerwartete Ausgabe im Juni?

Die größte unerwartete Ausgabe im Juni waren die Tickets für das Sabrina Carpenter Konzert, die 283 Dollar kosteten und den Haushaltsplan überschritten.

Wie plant die Autorin, ihre Finanzziele für das Jahr 2024 zu erreichen?

Die Autorin plant, ihre Finanzziele zu erreichen, indem sie ihre Haushaltsmittel anpasst, regelmäßig auf ihre Kreditwerte und Investitionen überprüft und gezielt mehr für ihre Schulden und den Notfallfonds ausgibt.

Outlines

00:00

📈 Finanzieller Neuanfang im Juli

Dieses Video dient als monatliche Finanz-Checkliste und als mittleres Jahr-Finanzen-Reset. Im Januar hatte die Sprecherin einen ähnlichen Finanz-Reset-Video gemacht, das gut aufgenommen wurde. Sie plant, ihre finanziellen Ziele für 2024 zu überprüfen, wie ihren Notfallfonds, Kreditkarten-Punktestand und ihre Geldziele. Sie plant auch, Anpassungen an ihren Zielen aufgrund einer neuen Arbeitsstelle und einem höheren Einkommen vorzunehmen. Zudem wird sie ihre Schulden, Notfallfonds und ihre Vision für das Finanzjahr 2024 überprüfen und anpassen.

05:00

📊 Monatlicher Ausgaben- und Einkommensanalyse

Die Sprecherin geht durch ihre Ausgaben im Juni, wo sie Bereiche identifiziert, in denen sie über ihren Budget ausgegangen ist, insbesondere bei Kaffee und persönlichen Einkäufen. Sie reflektiert auch über ihre finanzielle Transparenz und wie sie ihre Ausgaben im Einklang mit ihren Einnahmen plant. Zudem erwähnt sie ihre geplanten Ausgaben für einen Disney-Urlaub im September und Konzerttickets für Sabrina Carpenter, die ihr Budget überschritten haben.

10:01

🏠 Anpassung des Haushaltsplans für Juli

Die Sprecherin plant ihren Haushaltsplan für Juli, indem sie ihre wiederkehrenden Ausgaben wie Miete, Strom und Internet berücksichtigt und Anpassungen aufgrund der neuen Arbeitsstelle vornimmt. Sie plant, ihre Schuldenzahlungen zu erhöhen, um ihre finanziellen Ziele für das Jahr zu erreichen, und plant auch, wie sie ihre Freizeit und Unterhaltungsausgaben im neuen Monat verwalten wird, einschließlich geplanter Reisen und Unterhaltungsaktivitäten.

15:02

🎉 Zusammenfassung und persönliche Reflexion

Die Sprecherin fasst das Video zusammen und ermutigt die Zuschauer, über ihre eigenen finanziellen Ziele und ihre Fortschritte im Laufe des Jahres nachzudenken. Sie teilt ihre Freude über die neue Arbeitsstelle und die Möglichkeit, finanziell transparent zu sein. Sie reflektiert über die Herausforderungen und Möglichkeiten der Finanzen in den 20ern und ermutigt die Zuschauer, offen über ihre Finanzen zu sprechen und gemeinsam zu lernen.

Keywords

💡Budget

Ein Budget ist ein Finanzplan, der Einkommen und Ausgaben für einen bestimmten Zeitraum voraussagt und organisiert. Im Video spielt das Budget eine zentrale Rolle, da es die finanzielle Planung des Videos darstellt, einschließlich der monatlichen Ausgaben und der Anpassung der finanziellen Ziele. Die Erwähnung von 'July budget' zeigt, dass die Budgetierung für den Juli besprochen wird.

💡Financial reset

Ein 'Financial reset' bezieht sich auf die Überprüfung und Neuausrichtung der finanziellen Ziele und Pläne. Im Kontext des Videos bedeutet dies, dass die Person ihre finanzielle Situation überprüft und Anpassungen vornimmt, um besser auf ihre langfristigen finanziellen Ziele zuzugehen, wie zum Beispiel die Schuldentilgung und das Aufbauen von Ersparnis.

💡Money goals

Finanzielle Ziele sind spezifische, messbare Pläne, die jemand für seine finanzielle Zukunft setzt. Im Video werden die von der Person gesetzten Ziele für 2024 diskutiert, einschließlich der Schuldenerlass, des Ersparnisses und der Rückzahlung von Autoschulden. Diese Ziele sind integraler Bestandteil ihres Finanzplans.

💡Emergency fund

Ein Notfallfonds ist eine Summe Geldes, die für unerwartete Ausgaben oder finanzielle Notfälle aufgehoben wird. Im Video wird erwähnt, dass die Person ein Ziel hat, ihren Notfallfonds auf 4.000 Dollar zu erhöhen, um finanzielle Sicherheit zu haben.

💡Student loan

Ein Studentenkredit ist eine Art von Schuld, die von Studierenden aufgenommen wird, um ihre Bildungskosten zu decken. Im Video ist die Rückzahlung des Studentenkredites eines der Hauptgeldziele der Person, und sie plant, den Schuldenberg auf Null zu reduzieren.

💡Car loan

Ein Autokredit ist eine Finanzierungsform, die es购车者以购买汽车. Im Video ist die Reduzierung der Autokreditschulden auf 10.000 Dollar eines der finanziellen Ziele der Person, insbesondere weil der Kredit eine hohe Jahreswirkungsrate hat, was bedeutet, dass er monatlich mehr an Zinsen kostet.

💡Credit score

Ein Kreditwürdigkeitsindex oder Credit score ist eine numerische Bewertung, die die Fähigkeit einer Person misst, Kredite zurückzuzahlen. Im Video wird erwähnt, dass die Person ihren guten Kreditwürdigkeitsindex überprüft hat, was für eine gesunde finanzielle Gesundheit wichtig ist.

💡Roth IRA

Ein Roth IRA ist eine Art von individueller退休计划, die es允许个人投资, um für den Ruhestand zu sparen. Im Video plant die Person, Beiträge in ihren Roth IRA zu leisten, um langfristiges Vermögen aufzubauen.

💡Expense report

Ein Ausgabenbericht ist eine Aufstellung aller Ausgaben, die in einem bestimmten Zeitraum gemacht wurden. Im Video wird eine Überprüfung des Ausgabenberichts für Juni durchgeführt, um die tatsächlichen Ausgaben mit den geplanten Ausgaben des Budgets zu vergleichen.

💡Vision board

Ein Vision board ist ein visuales Tool, das verwendet wird, um Ziele und Träume zu visualisieren und zu manifestieren. Im Video hat die Person ein Finanz-Vision board erstellt, um sich ein Bild von ihrer finanziellen Zukunft zu machen und um ihre Ziele für das Jahr 2024 zu fokussieren.

Highlights

Introduction of a midyear financial reset following a previous one in January.

The importance of setting specific financial goals and mapping out the year.

Checking on credit score, emergency fund, and money goals as part of a financial check-in.

The creation of a vision board for financial visualization.

Three major money goals for 2024: paying off student loans, building an emergency fund, and reducing car loan.

Progress update on financial goals and the impact of a new job on income.

Adjusting the budget to allocate more towards bigger financial goals.

Maintaining a good credit score and its significance in financial health.

The strategy of making monthly contributions to a Roth IRA for wealth building.

A detailed review of June's expenses, including categories like gas, coffee, eating out, and entertainment.

The decision to increase car and student loan payments to reach financial goals sooner.

Reflection on spending habits and the rarity of regretful purchases.

The introduction of a new budgeting approach for July with adjusted categories.

The excitement of planning a Disney trip and budgeting for it incrementally.

The unexpected expense of concert tickets and the decision to prioritize experiences.

A summary of total expenses for June and the goal for July's budget.

Encouragement for viewers to share their financial goals and accomplishments.

Transcripts

hello everyone welcome to my July budget

with me also wanted this to be a little

midyear Financial reset because back in

January I did a whole financial reset

video that you guys really seem to like

and it was actually super helpful for me

to like get specific with my goals and

map out my year and think about the

future financially and just check in on

all the things you know credit score my

emergency fund my money goals you know

just all those things that a lot of

times I tend to forget about so I just

like set it and forget it so I thought

in this video along with doing my June

expense report and July budget I would

also reflect on the goals that I set for

myself for 2024 for my MoneyWise money

goals and kind of discuss like do I need

to adjust my goals we're going to take a

look at the vision board all of that

kind of stuff so if you guys set some

money resolutions money goals this year

bring them out and we're kind of going

to look through those first before

jumping into everything I spent this

month and what I'm hoping to spend next

month if you're new here welcome I do

these budget with me almost every month

and if you're wondering what spreadsheet

or anything that I use the credit cards

I use to gain points for travel and to

help me track all these expenses I will

have the links in the description

box but let's go through and take a

glance at the vision board that I made

back in January AR for what I want my

year to look like financially so this

was really fun to do I obviously did

like a Life vision board but I wanted to

make one just for money to help me kind

of visualize where I see myself so for

one thing I put like screenshots from

Shopify of like you have a new order so

like money coming in through my business

a check with um my name on it it's like

my income every month what I wanting it

to be I also have three big money goals

on here one is I want to pay off my

student loan so I have like a screenshot

from my student loan portal and it says

zero balance I wanted to build my

savings like my emergency fund to $4,000

and I wanted to get my car loan down to

$10,000 so those were three of my kind

of my big money goals for 2024 I'm on my

way I've contributed to my student loans

my car payment and my emergency fund

every month I'm

not halfway to those goals CU I think I

need to give a little bit more every

month but that's okay I am going to

adjust my budget this month because I

got a new job and I'm going to be making

a little bit more money I still have

like $4,000 that I need to pay off on my

car student loans let's take a look

actually I forgot try to adjust my

budget a little bit to put more money

towards these bigger goals that I had

for my year another thing that I checked

recently just to check in on is my

credit score I'm still good in a good

standing there check yours see how

you're doing there your investment

portfolios I have a Roth IRA as you guys

know so just checking in um making sure

my payments monthly payments are still

going into that so that I'm Building

Wealth and all of those fun things so

just do like a good check-in on all your

accounts your credit cards make sure

your monthly payments are set up make

sure everything's looking good

financially um and then also compare and

contrast where you are right now in July

of 2024 to where you want to be January

1st of 2025 and then we will adjust our

budget for July and moving forward to

help reach those money gos goals that we

set for ourselves at the beginning of

the

year okay so student loans I still have

$3,000 left that I need to repay and I'm

paying like $160 a month currently but

we're going to change that to reach our

goal sooner there's 6 months left in the

year I need to be paying like $500 a

month if I want my student loans to

be paid down by then but also I want to

get my car payment lower because my car

payment has a high APR rate meaning it's

costing me more an interest every month

on my car loan rather than my student

loans so I want to put more money

towards my car loan and then rather than

my student loans I want going back to my

goals for 2024 keep a healthy credit

score check pay off student loans we're

getting there pay off $6,000 of my car

loan to only have $10,000 left left

we're getting there build an emergency

Savings of $4,000 on hand we're getting

there make an average of this much money

a month I may be able to do this with my

new job now which is really exciting um

with my job along with you know what I'm

currently doing and then spend an

alignment each month I think I do that

pretty well there's very few purchases

that I make nowadays that I'm like

really regretful of honestly like I'm

either buying something that's a

necessity or that brings me joy so

there's rarely a purchase where I'm like

oo I shouldn't have bought that honestly

that I can maybe count them all in one

hand for the year I'm pretty good about

spending an alignment which I'm proud of

so even if maybe I shouldn't have bought

something it's like oh a plane ticket

that's going to I'm going to be happy

about that eventually I feel like I very

rarely make purchases that I regret I'm

not for buyer's remorse if it's like a

tangible item I will return it maybe the

only buyer's remorse I really get is

like paying for parking when I'm in a

hurry somewhere but again I really try

to avoid that

actually that was good to reflect on the

goals that I set for my finances for

this year and now I know moving forward

what I need to adjust to try to reach

those goals sooner so speaking of

hitting our goals let's go over to my

June budget and I'm going to walk you

through every expense that I had for

June okay so let's start with gas I

budgeted $50 and I ended up spending 67

pretty close on budget lift and U lift

and Uber I budgeted 50 I spent

37 coffee this is where we went over um

pretty pretty much doubled my coffee

spending rather over what I wanted I

don't even know why that happened or how

that happened but now I know to monitor

that for July so I budgeted $30 and I

spent

59 eating out though was significantly

lower which is great I budgeted 250 I

only spent 172 groceries almost exact I

budgeted 300 and spend

$291 entertainment I budgeted $75 and

ended up spending $50 I'm trying to

remember what this $50 was oh we went

and saw Hairspray the musical in

Nashville it was so fun I love Musical

and um seeing one in person is just so

fun we literally bought the back row

seats the cheapest seats in the whole

theater but it was $50 for a Broadway

traveling production one day I'll be

able to buy closer seats and actually

have good seats but for now the budget

allowed for the the nose bleeds and

that's what we did Beauty I budgeted $25

and I spent 34 I got my eyebrows done

and what was the other

expense this is going to be like one of

my new money saving hacks I've been

doing um press on nails and these are

glamnetic $20 for the set and I feel

like I could get at least two maybe

three uses out of them

$20 beautiful manicure manicure rather

than spending a these cuz it also has

the Chrome would be like $100 in

Nashville so we're saving money with the

press on nails shoppingpersonal I

budgeted $1 15 50 I've kind of been in a

little shopping mood and I spent 93 at

aritzia I bought two items from their

annual sale and like maybe something

yeah a few things from Amazon gifts I

didn't have any gifts to buy this month

so that's zero pet I budgeted $50 for

Spruce I spent

57 um okay and now towards the end of

the budget is where things kind of went

Ary because I was buying things for

future trips and future fun things and I

honestly did a great job with my budget

as you could see before like all of

these expenses

the actual I only

had three expenses that went a little

bit over and honestly the the biggest

over was in coffee but this is where

things things changed a little bit okay

so travel I started budgeting and

spending on a Disney trip that my me and

my friends are doing for our birthdays

at the end of September so I'm so

excited for this trip I love Disney I

haven't been there to Disney World in 2

years and so we're really excited for

this trip it is expensive I want to do

whole video on maybe how we how we

budgeted for this trip how we got the

whole trip to be under $1,000 um which

is still a lot of money but it's Disney

it's expensive so anyway it's about

$1,000 trip total but I think what's

helpful is like I'm taking putting a

little bit of money towards it each

month leading up to the trip so this

month we bought one of our flights which

was on sale through Southwest through

one of their like 3-day deals this trip

that this flight we got like 50% off we

paid about $98 for it and then we

actually paid the deposit for our hotel

which was another $98 each so in total I

put

$196 towards this trip I was budgeting

200 I

think next month I'm going to budget

like 500 for this trip so it's just a

little bit easier to like pay for this

trip in Chun rather than all at once

come September and then what wasn't in

the budget that came up last minute was

Sabrina Carpenter tickets I did Vlog the

morning that and my friend bought these

we weren't able to buy them like just

normally we did buy resale which were

kind of expensive at 283 it's kind of

crazy that this is almost what I paid

for my Taylor Swift Aros tour tickets

and this is Sabrina Carpenter's first

stadium tour so no first Arena tour so I

don't know what's going on but I love

Sabrina Carpenter I've been a fan of

hers since

tornadoes and email emails I can't send

was like my top album of 2023 so I okay

don't come for me I am a Sabrina Stan

and I needed to go to the show in

October in Nashville so we bought the

tickets did put me over budget by

$200 but I feel like you know what I'm

just I'm just in my buying

experiences era you know we're buying

trips we're buying tickets and I only

see a few shows a year that aren't like

gifted for free tickets I get through my

friends in the music industry so I only

spend maybe 500 Tops on concert tickets

throughout the year and I only go see

people I absolutely love basically I

wanted to spend

$1,180 this month and I ended up

spending

$340 okay let's go over to bills you

guys know my reoccurring expenses my

internet my rent actually went up in

July so I'm going to have to edit this

for July pet insurance my electricity

because air conditioning was pretty high

this month um was

$45 water was $18 class pass I'm still

going off of your all's referrals so I

didn't have to pay for that this month

apple and Spotify I did contribute $200

to my Roth IRA so I love this little

breakdown here of my expenses 21% which

was those concert tickets was literally

like my biggest expense which is it's

kind of crazy that these tickets like in

my head it didn't seem like that much

money cuz I was seeing that these

tickets go for $800 $1,000 like so much

money so I'm like oh $280 not that bad

but the fact that these concert tickets

cost the same as my month of groceries

is kind of crazy Sabrina I can't wait

for this out album I hope it's amazing

though let's move over to July we're

going to restart here let's actually

start with the bills and everything so

like I said my rent went up about $100

so I'm going to round it to like $1,500

that's not exact I'll get the exact

number at a later time but because I

renewed my lease Nashville the rent

prices do increase here almost every

year and so it did go up by $100 a

person for me and my roommate that

that's for this is for a two-bedroom in

a nicer area of Nashville it's 1,500

each so this is what I want to change a

little bit I want to so my minimum for

my car payment is

$338 a month I am going to raise that

since like I said I will be making a

little bit more money now with this

part-time job that I'm adding into my

revenue streams I'm going to change this

to $500 I'm going to raise my student

loan payment to 200 that is what I want

to start paying now so hopefully this

will help me reach my goal of paying off

my loans and my car

more General savings I'm going to keep

the same for now and then taxes and

tithe is dependent on what I make each

month Roth IR I'm going to continue with

the 200 but I do want to be able to Max

this out by the end of the year so

towards the end of the year I'll see how

much money I have left over from

everything and I'll probably put a lot

of that into my emergency fund and also

maxing out my Roth

IRA okay now for the budget let me

delete all of these things here and

let's get started writing out what I

want my expected expenses to be for July

so gas I feel like $50 is good for me

because I thankfully don't drive a ton

around Nashville so $50 usually can last

me for a month lyt and Uber I may be

going out like once or twice this month

but nothing too crazy so I'm going to do

$30 coffee again we're going to move it

up to $40 because I was $60 last month

but I won wanted it to be 30 so we're

going to budget

$40 eating out what all am I doing this

month I feel like I'm going to try to

lower my eating out budget I've really

been enjoying trying new recipes and

eating at home more so I'm just going to

put $100 okay we'll see how that goes we

will see groceries I'm going to keep at

300 I think that was a really good

amount for me entertainment I already

know that I'm going out on a boat for my

friend's birthday and that was $40 and

then I want to maybe go see some of the

new movies that are coming out in July

so I'm going to add like 40 50 60 what

else I feel there was something else I

wanted to do this month I'm going to say

75 you know summer is in full swing

we're doing fun stuff if ENT if

experiences and entertainment costs

money that's okay

$75 Beauty I'm going to budget

50 cuz I already know I got a pedicure

this month so that's going in there

shopping SLP personal I'm going to do

100 gift I already bought my brother's

birthday gift and I I think that's the

only gift I'm going to have to buy this

month and that was around $70 pets I'm

going to do 60 and then travel so again

this is for the Disney trip starting to

buy things now like um gift cards I can

use on food and we're going to have to

maybe buy our tickets for the trip now

as well so I'm going to put $500 for

travel and that's why I'm kind of glad I

lowered some of these other expenses

because I know that I want to be putting

more money towards this trip and then

I'm going to put $100 for other I'm

trying to think of anything that could

come up that would just be other you

never know so in total this month I'm

spending a little bit more but I am

hoping to spend under

$1,500 basically

$1,475 we will see how it goes um again

checking in throughout the month is

really helpful all right that is it for

my July budget I hope you guys enjoyed

this video if you liked it make sure to

give it a thumbs up so I know to keep

doing these every single month I want

you guys to comment down below what's a

money or financial goal that you've

accomplished so far this year and what's

one that you're working on for the

second half of the year I'm so thankful

for you guys I'm so thankful for my job

I'm excited to start this new job and um

continue being transparent with money

because it's tough out here in our 20s

living in a city I understand and I

think it's good and exciting sometimes

to talk about it and just yeah be very

transparent um and hopes that it helps

you out or motivates you in your own

finances all right that is going to be

it for this video I hope you guys

enjoyed and I will see you all in my

next one very soon bye

[Music]