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Announcing 50,000 on next Tuesdays video. Definitely forgot at 12:30 am when trying to finish this video ?
Wow yes great advice. The older woman keeping the 10% apy car debt and investing it to make it work for you
This is painful to watch. Actually painful.
7:36 ??
4:00 What a GigaClaire!
You'll always have car debt made me cringe.
I didn’t know I had a thing for girls that understand finances until I saw this. NGL, that was kinda hot
“I wasn’t paying attention” “so many questions” “I was totally spacing out”. Dumb money for sure.
Caleb this is AMAZING!
Where tf are these people from?
I'd pay it all off straight. And let the income just pile up.
I love the advice. The other good thing about paying off the CC and Car those payments come back into the budget, which can offset the student loan payment when it comes due or can also be leveraged to invest or save for moving/emergency funds.
No way you even touch student loan. You can get HYSA interest that exceeds the rate on that debt and that debt isn't even accruing. Pay off high interest, keep the rest in cash to serve double as emergency fund and start drawing down to make minimum payments on student loans when they start accruing again.
Okay, typing before the reveal to see if I'm right: 1. Pay off All Credit Card Debt, 2. Pay off all car loan, 3. Just keep paying down student loan minimum payments, bc low interest rate. 4. With 44k left in the lump sum, get that job, max out retirement contribution, put 15k in an emergency fund (money market savings), and 20k in a S&P 500 or something. Also I would say while living with parents, pretend you're not, pick a monthly rent amount and put that straight into savings so you're used to rent being part of your budget, and also squirreling away money to prepare for the next year's move to a presumably more expensive city and lifestyle. [Of course if this was my budget, I would be setting aside 15k immediately for startup funds for a small business.]
Another exception would be to lower DTI. You could possibly get better interest rates and get approved for more with certain loans paid off. Of course this is only for specific scenarios