How To Get Ahead in Life No Matter What Year It Is

i took the time to write this out because i want everyone who Reads this to Change their mindset and Stop saying The little guy can never get ahead to stop saying its so and so's fault! common! you GOT THIS!!! We got this!!!!
Dave ramsey - * with my own advice mixed in * How to pay off debt and become a millionaire These are steps to follow in Order not oh let me pick #3 and start there Start at #1 then 2 and so forth.
#1 Get on A Written "WRITTEN" Budget Plan Track Where Every Dollar goes - you start out saving 1,000$ as a Emergency fund
#2 Get out of Debt, Start paying Your lowest Debts first, this trains your mind that oh i knocked out 1 debt! sweet i can do this! Throw away your credit cards and only use debit cards. If your struggling its ok to keep 1 in case that 1,000$ wont cover a emergency, but You need to LIVE ON RICE AND BEANS no vacation, no Going out to eat every week No spending on Things THAT YOU DONT HAVE TO, so that means all your money is going towards your lowest debt 1st and when thats knocked out then you go with your 2nd lowest debt and so forth, if you got 100$ on a credit card. PAy it off every Cent matters Once all your Debts Are paid Except a mortgage! this is a big one Dave considers a mortgage outside of student loans CC debt, car debt , personal loans , ect once you pay off all your debts other than a mortgage You then Save 3-6 Months worth of monthly expenses So if you spend right now 3k A month including bills, Then you need to save up $9,000-$18,000 Dollars And then You can go to step #4 once you have at least 3 months saved up
#3 Watch who you keep company with, show me your friends and i will show you your future is the most true saying you'll ever hear because if you hang out with poor people you will always be poor because you become who you are with most of your time
#4 Save and Invest, Dave says invest 15% of your total income into stocks, he says mutual funds , i think an Roth ira would be smart as well where you cant touch it until your 59/half so While your putting 15% of your income Towards your retirement Now you Should ( if you followed the list in order ) you should only have a mortgage as debt. Now you go over your written goals / plans / budget and you add up your monthly bills right now, dave says you should write a monthly plan Every single month starting the 1st of each month, you write down what you think your bills will be for that month you write down your EST total income for that month, you then take 15% of whats left and invest it for your retirement and the rest that is left over Goes towards your mortgage! you hammer it out you live CHEAP you do what it takes and you become debt free ASAP then once your debt free you can Invest more and move to step #5
#5 God Loves A Cheerful Giver IN ALL THINGS Not just your love and kindness but MONEY AND THINGS AS WELL,
on a personal note. i wrote down my goals and dreams and then what you need to do is start with smaller goals you write all of your goals down but #1 should be a simple goal / dream and once you check that off you go bigger for me and my wife, we want to be 100% debt free by the age 50, that means no mortgage nothing my Big dream and goal and a more aggressive hope is to be 100% debt free by time im 40 so thats less than 9 years thats what im aiming for but to have a 200k+ house paid for by 50 would be just as awesome as well ( 200k EST is current market right now in our area homes are selling for 10-30k over market value a half house sold for 9k more than it was worth and a home beside my parents in law who live near by sold for more than 25k what they were asking they had multiple bids due to it being a hott tourist area) Zillow has our home valued at 235k right now and clearly we are at the top of the market 2020-2021 the price of houses has been nuts so since we are not going to be moving for a long time if ever price of the home dont really matter to us. anyways thats besides the point. these are my goals so its an example of what i want from you. the first goals on your list need to be all Related to getting debt free! than you can travel then you can truly enjoy life! you got this!

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How To Get Ahead in Life No Matter What Year It Is
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