When it comes to spending, your motivation matters. Why are you buying the things you are buying? Is it emotional, is it for acceptance, is it to feel impressive? Trust me if you start asking yourself these questions you might be surprised. #shopping #personalfinance #designerbags

Just for fun 😂 Have a great weekend! I hope you all find a random pile of cash 😂💸 #personalfinance #personalfinancetips #moneyadvice #businessowner

I love when we get to say YES!!!!  Here’s the framework to buy a brand new (year of) vehicle:   ✅ Million dollar or more net worth ✅ You are paying cash ✅ Your spouse is onboard if applicable ✅ Keep combined vehicles values to no more than half your gross annual income.     Basically if you can imagine yourself BURNING 60% of the cars value (so in this case $90k) in a bonfire and it changes nothing about your financial snapshot, you’re good. Most new cars loose 60% of their value in the first 4 years. #personalfinance #personalfinancetips #newcar #buyingacar #porsche

Venmo is NOT the move, when you're trying to make a MOVE 💋 know what I'm sayin!!   I’m truly flummoxed.   If Sam Warshaw tried it, I'm like, flip the lamp on, put on Golden Girls cuz ain't nuthin happenin.   Sir, how you gonna approach me about $15 for your roast beef sandwich after I gave you 2 children 🤣🤣 #personalfinance #personalfinancetips #relationshipadvice #marriagetips

In a world of microwaves, ozempic and instant loan pre- approval it gets harder and harder to accept when a process takes time.   But time is precious. It allows things to grow and change and become all that it needs to be. It creates space for things to  happen correctly once and for all. 🌱🌹 #personalfinance #personalfinancetips #debtpayoff #payingoffdebt #studentloans

GUYYYYSSSSSSS. Have you ever dated someone who was all wrong for you but you stayed with them because of “the idea” they served in your head. Like on paper it makes sense. All the boxes checked for “good marriage material at first, but then when you look at what’s actually taking place in the relationship, it ain't it.   This is that. The idea of owning real estate and making lots of money is stronger than the reality of what’s actually taking place. “The idea” is keeping my guy in a state of delusion.    Take from this what you will 🤷🏽‍♀️ #personalfinance #personalfinancetips #buyingahouse #debt #debtpayoff

When you try to shoot your shot on The Ramsey Show and that mess gets rejected 🏀 🙅🏽‍♀️🫠   Listen, borrowing against your home will never be a slam dunk.  The point is to pay it off and stay completely debt free. #personalfinance #personalfinancetips #debt #debtpayoff #homebuyertips #buyingahouse

Remember the emergency fund is 3-6 months of your basic budget. It doesn’t have to be 3-6 month of your budget at it’s fullest with all the bells and whistles.   But hey, if you want it to be, I'm not mad 🤷🏽‍♀️   Also, when deciding whether to do 3 or 6 months. Run a risk assessment of your situation. Consider: 1. Job stability 2. Number of incomes (if one income I’m doing 6 months) 3. Health history #personalfinancetips #personalfinance #howtosavemoney #emergencyfund #savingmoney

Go be about your business and do it with quickness PLEASE. #personalfinance #personalfinancetips #howtobudget #budgeting #debt #debtpayoff #studentloans #howtosavemoney

Don’t pay off debt for your girlfriend or boyfriend. PERIOD.   Raise your hand if you have gone into debt for someone you were dating and it didn’t pan out. 🫠🙋🏾‍♀️ Me.   Sound off!!!  What’chall think about this?  👇🏾 #personalfinance #personalfinancetips #debt #debtfreejourney #debtpayoff #studentloans #relationships @Dave Ramsey