If you do these 5 things, you will win with money. #daveramsey #moneyadvice #moneytok #wealth

Spreading your investments among several companies with mutual funds helps you to avoid the risks that come with investing in single stocks. @Theo Von #investingforbeginners #stocks #stockmarket #mutualfunds

Choosing to leave a place you've called home isn't always easy, but sometimes it can be the best decision for you and your family.   Do you know anyone who’s moved out of California recently? #movingaway #moneytok #california

Step one: Write down your total income for the upcoming month.   Step two: List ALL of your expenses.   Step three: Subtract your expenses from your income. This should equal zero.   Step four: Track your spending throughout the month.   It's best to create your budget BEFORE a new month begins so you'll be ready to spend with a plan. My team has a great FREE budgeting app called EveryDollar! Get it at the link in my bio.

Here’s the deal: Student loans were intended to make college more accessible for people, but they actually create a lifetime of money stress. The negative effects of student loan debt aren’t just financial either. In our own research at Ramsey Solutions, we found that 53% of those who took out student loans regretted it. And 43% of those who took out student loans regret going to college altogether.   We also found that Americans with consumer debt (like student loans) are nearly TWICE as likely to lose sleep over their personal finances than those without. On top of that, 54% of Americans with consumer debt worry about money EVERY SINGLE DAY.   Don’t get me wrong: Higher education is great. But taking out a loan isn’t the only option to get that education. And not only does student loan debt weigh down your future (and stress you out), but it is having a serious negative impact on the future of our country.

Don't go into debt for a car ever if you want to save money and build wealth. #moneytok #cartok #buildwealth #savemoney

I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you to set goals together instead of having independent goals. It forces you to dream together. It forces you to carry the weight together. It forces you to communicate. It creates a level of unity that nothing else will do. Because marriages are always growing together or they're moving apart. #marriagetok #marriageproblems #moneyadvice

The best car for you is always the car you can afford to pay cash for. You want to own your vehicles, not the other way around. If you paid cash for a reliable, used car and invested that average car payment ($726) into good mutual funds, you could have MILLIONS of dollars for retirement. #car #carpayment #debt

People can change, but you can’t make them change.   I do this for a living on The Ramsey Show, and I’ve had to learn this: I don’t answer questions that aren’t asked. When you ask a question, I’m going to answer it, because that’s my duty. But I’m not going to walk up to people and start preaching at them, because that doesn’t work.   Change is painful. Few people have the courage to seek out change. Most people won't change until the pain of where they are exceeds the pain of change. #changeyourlife #helpingothers #moneyadvice @Rachel Cruze

Want to be a millionaire? Turn off your television. The average millionaire reads a nonfiction book a month.   This is how you make your life better: having knowledge tomorrow that you didn’t have today, and then applying it. #read #booktok #millionairelifestyle #books