Frugality lets you maintain a balance where only your priorities come first , leading you to a secure financial future. I am avoiding debt , saving and investing around 40 percent of my income. I have a high paying engineering job, and I live upstate MN. since covid 19 my expenses are extremely low. I have zero debt on a 7 figure portfolio, low rent and car paid off. So i can just save. feel lucky and grateful my fiduciary came into play.
@NamsaAlcantar
Ай бұрын
I realized that the secret to making a million is saving for a better investment.. I always tell myself you don’t need that new Aston Martin or that vacation in Hawaii just yet and that mindset helps me make more money investing.
@soveinaaraceli
Ай бұрын
Kirby please can i get your consultants info? or should i drop mine?
@KirbyIneson
Ай бұрын
@@soveinaaraceli Dianne Sarah Olson by name. please do your own research to see if she is suitable with your goals.
@AurucciLou
Ай бұрын
@@KirbyIneson I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
@djsone3499
Ай бұрын
It's especially weird when you mention something is back (ie polo shirts) and I think "wait, that went away?"
@Aquilasdev
Ай бұрын
I think they’ll always be in as long as people try to find ways to look cool with school uniforms
@FrugalFamilyFocus
Ай бұрын
Right?! My husband never stopped wearing polo and boat shoes… 2006 to today!
@Missfoxtooyou
Ай бұрын
Golf courses and school uniforms. 😂😂😂
@jez5855
Ай бұрын
Hahaha, same here. When they said that, I immediately thought of my closet full of polo shirts 😂😅
@chemquests
Ай бұрын
I’m rocking my cargo shorts
@theenokimarauder
Ай бұрын
George saying "I think I'm (inside) a secret boomer" is giving me life 🤣
@paigedamian7715
Ай бұрын
So the 60s, 70s, 80s came back again, again.. LOL! I keep walking through stores and thinking someone finally opened some old storage units, LOL
@ramonalofgren5552
Ай бұрын
Same here
@scottyshields9876
Ай бұрын
My 94 yo mother wears crocs with knee high white socks.
@lindadorman2869
Ай бұрын
I'm 63 and, when I was growing up, we were taught talking about money was rude. We never learned how to budget or invest, and our parents assured us Social Security and our pension would be there for us when we retired. My parents paid $28K for their 2400SF home in 1963 while I paid $150K for mine (1700SF) in 1994 - more than 5X! And I remember a time when interest rates were 14%.
@lrJ0Y7231
Ай бұрын
Cargo pants for guys = a place for me to put MY phone, my epi pens, and my wallet so I don’t need to carry a bag ❤😂
@lyndahammel9502
Ай бұрын
Definitely
@johnhenderson1760
Ай бұрын
@@lrJ0Y7231 I never heard of cargo pants (for men) not being in style. I wear slacks for work, but outside of work, I'm always in cargo pants. I don't want to sit on my wallet or phone.
@morganhough1022
Ай бұрын
My favorite gen z slang that I love to hate is “delulu” (delusional).
@108SBSO
Ай бұрын
Back to the 90s, we used to say Sike when we were joking. Like hey I like your shirt…sike.
@johnhenderson1760
Ай бұрын
@@108SBSO That was "psyche.". Like, "I psyched you out."
@IJO221
Ай бұрын
Riz is so much fun. You can be so creative with how you bestow upon your friends.
@karenholloway3940
Ай бұрын
“That ate” or “She ate it up” That’s the one I can’t get over.
@RAKelBerquist
Ай бұрын
Thanks to you Rachel. Following your recommendation, I started researching into Abby Joseph Cohen Services. Thankfully it was a little over a year ago now, I started an lnvestment with Abby's Services and that allowed me to be on much MUCH more stable ground in the face of global financial upheaval. So thank you, your channel, and your employees. For what it's worth, it made a difference for me and my little family.
@PoshanMind
Ай бұрын
How can i reach this abby Joseph Cohen, if you don't mind me asking?
@erikmooree
Ай бұрын
Same here, I got to know about Abby Joseph Cohen Services on here in 2020. Since then I've paid off 160,000 USD of debt. Now I'm working on building an emergency fund. I didn't even have a savings account three years ago.
@RAKelBerquist
Ай бұрын
@@PoshanMind Well her name is 'ABBY JOSEPH COHEN SERVICES'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
@PoshanMind
Ай бұрын
@@RAKelBerquist Thank you for this tip. I just looked the name up, wrote to her through her webpage and booked a session..
@bryan6095
Ай бұрын
Scam
@AviSpira
Ай бұрын
As a first in line gen-X. We're not open we just need to meme everything 😁
@Pandorash8
Ай бұрын
My fave gen z saying/word is, “extra.” I feel it’s a perfect way to describe some people/things. Also, my gen alpha kids the other day were dancing to Cotton Eye Joe, and wouldn’t believe me that it isn’t a new song 🤦🏻♀️ I had to sing it all to prove it (because as an elder millennial I apparently only know “old” songs 🙄😅)
@lanceerdman1088
Ай бұрын
26:29 “every dollar is low key goated when budgeting is the vibe” Is one of the most gen z type phrases I’ve ever heard coming from someone who just graduated from college 😅😅
@chemquests
Ай бұрын
Yeah that’s gibberish to me
@Legacymom0122
Ай бұрын
7:53 Rachel! Don't be dissing cargo pants! Those are the best!
@kelmike060404
Ай бұрын
Gen X here I live for my cargos!
@KimberlyManuel-ee3ov
Ай бұрын
I'm Gen X and in the 70s girls would say, "He is so foxy."
@TheTravelerMan
Ай бұрын
I get confused about which generation belongs to which decade that this conversation is different to follow. I wish that we could go back to simply saying 70's 80's, 90's...
@johannabennetts64
Ай бұрын
I watched the slang part with my two Gen Z kids and my son said, “this is hurting me.” 🤣🤣
@ChantillyGrace
Ай бұрын
😂😂
@sgeorg2
Ай бұрын
Have y’all seen “underconsumption core” ?? We used to call it not buying crap you don’t need 😂
@elivasquez5976
Ай бұрын
As someone who was born in 1998, it's hard trying to keep up with the Gen z slang..
@Imbatmn57
Ай бұрын
Yeah i didn't care, just wanted to graduate and get on with my life.
@user-vb6sq9ml7b
Ай бұрын
That's like "hot mess," I still like to say that and it's waaaay out. Also "Shut. UP." ***Signed, Gen-Xer*** 😂
@elizabethhenderson9934
Ай бұрын
I know this about money but can Rachel please tell us about her outfits, she always look great!
@SilverWagonStudio
Ай бұрын
"They look like Muppets" George has never more sounded like a boomer. 💜
@wpelfeta
Ай бұрын
They do look like muppets. lol
@afcopwife
Ай бұрын
Haha I love the muppets 😂
@sallyprzybil2404
Ай бұрын
Ends of hair curled only= thank you Mary Tyler Moore.
@AlexandraAnnette
Ай бұрын
I have NO idea why they say Gen-Z wears crew socks like what no I could never. It was one thing for lacrosse in high school but I stay wearing no show socks
@Imbatmn57
Ай бұрын
I prefer no socks
@ElizabethW-nz6oz
Ай бұрын
In the 90s, we wore them, but always scrunched them down.
@ashleypiper2558
Ай бұрын
As a kid in the 90s, I remember the long socks became uncool to wear. We would fold them over our feet to create ankle socks 😆
@sallyprzybil2404
Ай бұрын
Dang, Rachel, almost all of those things you mention, choker necklaces etc, are hippie things from the 1960’s. ! Baby Boomer fashion is back!
@MTobin1000
Ай бұрын
Rad ! Oh wait that was from the mid80’s…Gen Xr here !!!
@autumnjerene
Ай бұрын
I think my favorite gen-z word will always be yeet. It's so funny and always makes me laugh. But my kids tell me it's not cool anymore. Sad.
@ThenotsoHopelessWanderers
Ай бұрын
I said "on God" once and immediately felt like a fraud. Also for George, as a parent of Gen Alpha, "skibbidy" is Gen A slang, not Gen Z. It's only getting crazier
@littlerainbow44
Ай бұрын
You guys know the radio is still out right? I still play the radio in my car haha!
@TheThreatenedSwan
21 күн бұрын
Fashion is temporary, style is timeless...which is also something Ramsey people should hear
@leahwolber7082
Ай бұрын
My son is 15 and has the curly long hair like a muppet 😂
@JulieGaffney-mz1sg
Ай бұрын
I am a Gen X and it is so true about taking care of parents, and have a child we are floating through college. It is legit true! I love your show, keep it up. Love you all. ❤
@NalMoke
Ай бұрын
Genxer here. Knee high tube socks was a thing back in the day. Until the new generations can pull that look off they got nothing on me.
@stephaniesullivan8154
Ай бұрын
This is why they will pry my ankle socks from my cold dead hands. We used to fold our crew socks down into our shoes so you couldn’t see them! 😂
@alexk7405
Ай бұрын
I used to wear the over the calf socks that had the two (colored) stripes. (BTW, it was a pain matching them up after taking them out of the dryer)
@amandaresto6280
Ай бұрын
This was my absolute FAVORITE episode of Smart Money Happy Hour!!! I was crying at work!! 😂😂😂❤❤❤
@BixieASMR
Ай бұрын
Love a long denim skirt and I'm 45! And I wore cargo pants the first time around...All Saints vibes
@LOUBAT1
Ай бұрын
Me too! I hadn’t realised they’d gone out of style between then and now! 😩😂
@williamehlers5158
Ай бұрын
I’m 33 and I wore high socks in 7th grade. Gen Z is copying me. I, admittedly copied Avril Lavigne.
@Verablake12
Ай бұрын
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Miller.
@jakeroberts220
Ай бұрын
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
@Lillianclopton334
Ай бұрын
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
@HamiltonJakes
Ай бұрын
You trade with Katherine Miller too? Wow that woman has been a blessing to me and my family.
@harveykeitelsean55
Ай бұрын
I'm new at this, please how can I reach her?
@Tupppas
Ай бұрын
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
@ashleypiper2558
Ай бұрын
One thing that always surprises me is guys wearing short shorts. It gives 80s/early 90s vibes and not in a good way 😂
@azteca6695
Ай бұрын
The curtain bangs, reminds me of the feather hair. Back inthe 80's!
@johnhenderson1760
Ай бұрын
@@azteca6695 My 12-year-old daughter had to get curtain bangs at her last annual haircut. They are cute on her. She just wants to wear her straight hair long and unstyled in any way, and I was glad to see her want to do something that got her hair out of her face.
@Missfoxtooyou
Ай бұрын
ala Farrah Fawcett
@christiana5254
Ай бұрын
Millennial phase 'adulting'
@sergiozavala7616
Ай бұрын
It’s giving best episode vibez
@Devie-tx8ri
Ай бұрын
Someone start a trend for mortgage purchases. Currently: Borrow 100k, and pay back 200-250k over 30 years! Omg that’s a great plan!
@Devie-tx8ri
Ай бұрын
In two years, I’ve literally paid like 1000 to principal and 4000 in interest. I could look at account for up to date totals.
@Devie-tx8ri
Ай бұрын
Did you say internet trolls? Like going on vacation? When?
@ramonalofgren5552
Ай бұрын
Women should encourage their guys to buy cargo pants and shorts. Then they’re carrying their own stuff and not asking you to put their crap in our purses
@BethanyM-l7o
Ай бұрын
One thing Gen Z isn't bringing back ... a work ethic!
@brittanyklassen4068
Ай бұрын
I’m a millennial, when I was in high school, we said YOLO (you only live once) for everything stupid we did🤦🏻♀️ I know someone that got YOLO tattooed on their wrist too…I’m guessing they are regretting that tattoo now.
@kellster9239
Ай бұрын
I had a long bongo denim skirt I wore all the time when I was in college in the early 2000s 😂
@misstbikini
Ай бұрын
Love me some cargo pants!!! Love not taking a purse!!
@paulg2132
Ай бұрын
I have never heard of Choogie and don't even know if I'm spelling it correctly. Yes, I'm stinking old.
@averynmitchell
Ай бұрын
i wear ankle socks. i'm 22. eyyyy i'm a millennial now, bye bye gen z! 😂
@Devie-tx8ri
Ай бұрын
What about hospital bills. How does one fit that into their budget. I literally barely have additional money outside my regular pay. A side hustle would be financially gone. Add me to your last will testament, life insurance policy, and beneficiaries! My goodness!!!
@rnewland89
Ай бұрын
Gen Z isn't spending because they have no money
@Michelle_Ellen87
Ай бұрын
I'm totally rewatching this with my 12 year old! 🤣
@Imbatmn57
Ай бұрын
I watched a video from 2008 and hadn't realized just how 1990s my child hood was, i was 8 in 2008. I feel old because my mom is a boomer so ive seen floppies and reguraly use physical media. My mom would get me the disposable cameras, they are now taking up space in her house because theres no where to develop them. I was alive when the blockbuster in Frederick md closed. We couldn't even afford blockbuster,so we only went there for their closing business sale, everything was picked over so we didn't get anything.
@Take_Your_Time_I_Can_Wait
Ай бұрын
Gen Z,bringin back that 80s vibe! I absolutely hate it! They walk around with their “whippy” hair, high socks, high waisted lightest colored blue jeans, ugh!!! I’ll keep my ankle socks and skinny jeans, thanks!
@maryannzook9484
Ай бұрын
I laughed out loud again while driving and listening to this episode! Denim skirts giving the Mennonites points🤣im Mennonite but haven't worn a denim skirt yet but sure enough lots of Mennonite girls wear denim skirts. Im waiting for the day when you stop at my business Java Blend Cafe and i can watch you tip (or not)on our check out system !🤣😉Love this show and all the other Ramsey shows! God bless yall.
@sarahmaesanpedro3737
22 күн бұрын
Rachel! What’s your sandals!? I love it! ❤
@ghostbird92
Ай бұрын
I do NOT understand the high socks thing. Unless you're a hot skinny model with long legs, they make you look like a middle-aged parent.
@jillg7018
Ай бұрын
Word. I still use it
@whasian2007
Ай бұрын
the irony of saying Gen Z stole the cash stuffing when in the same breath say it's the Dave Ramsey envelope system. The envelope system was done even before Ramsey's time but guess can't expect these people to not be hypocrits.
@mckenzisletten3436
Ай бұрын
I think the word is “vestibule”
@jesssc402
Ай бұрын
I feel bad for Gen Zs being in college and starting out adulthood in this economy, BUT i envy them at the same time, with all these information and the time they have and all
@royseaberg2214
Ай бұрын
I can agree with these guys on a lot of things but they didn’t like cargo pants. Cargo pants are not that bad. Another commenter said you have more pockets to hold stuff and I agree with that. It’s just pants with more pockets. Now the pants trends that I thought were not good is baggy style or those real wide leg pants.
@anhbarker
Ай бұрын
I will always think of wearing tall, white socks with sandals as an old man thing. Always!
@carleywainwright1534
Ай бұрын
Rachel, your new hair cut looks great!!! 😊
@FrugalFamilyFocus
Ай бұрын
“Spill the tea!” Favorite Gen Z saying that’s probably now uncool because we Millennials have taken it over… 😂
@MariaGarcia-gj5ie
Ай бұрын
I’m 60 and wear ankle socks😂
@johnhenderson1760
Ай бұрын
I am thinking this would be epic if you have Brett Cooper on the show with you to give the Gen Z perspective.
@lyndahammel9502
Ай бұрын
Todays smart phones are fantastic. Who doesn't love a small computer that is also a phone. And you can store addresses and emails with the phone number --- no more need for an address book.
@brookebales2931
Ай бұрын
I always called everyone dude, male or female 🤷♀️ what that was though haha. In my 30s.
@ashleypiper2558
Ай бұрын
I still do this. I’m 36 😆
@sallyprzybil2404
Ай бұрын
Yes, George, that’s the fun of being older.
@ecsimmy
Ай бұрын
Church dinner or POTLUCK
@ktjomeyers
Ай бұрын
I could care less about what is "in".
@KatieLibby1315
Ай бұрын
Sorry but the phase is "I could not care less", in that you care so little there is no room to care less. If you " could care less" that means you have room to care less.
@everardocalderon8720
Ай бұрын
Always respect the older generations because without them, you reading this, you wouldn’t be here.
@beergeek303
Ай бұрын
Don’t have a cow man! 😂
@sallyprzybil2404
Ай бұрын
Loafers= 1950s.
@mattlimberg5763
Ай бұрын
About the socks, I am on the change over between Millenial and zoomer, I ware high socks because they do not get lost as easily and really do last longer. Plus they are more comfortable in work boots
@sarahrzewnicki7292
14 күн бұрын
Let’s bring back “shagadelic”!
@leilacavender4066
Ай бұрын
I’m not really friends with any Gen Zers and my kids are 8 and under but I do remember a stage when I was in 5-6th grade when we wrote peace and groovy in bubble letters all over the notes we passed each other in class lol.
@katiegarcia8255
Ай бұрын
I am literally tearing up laughing at this….and Rachel, I LOVE your hair, but I was born in 1985, so not sure that helps…..
@marvellarenee2155
Ай бұрын
Rachel you would be a great Gen X 😊
@KanaTron
Ай бұрын
Rachel, was 'annex' the word you was trying to remember?
@trentme09
Ай бұрын
"Say less"
@ErnestinaObeng-zo2di
Ай бұрын
Go Gen X🎉🎉
@Reece634
Ай бұрын
Smart money half an hour
@brendareece6796
Ай бұрын
Obvi-obviously Perf-perfect- it’s like it’s too much effort to complete the word!
@ramonalofgren5552
Ай бұрын
Hair saw all these in the 70 and 80s curtain bangs and cropped shirts have been back around twice since they were OG cool. So not OG now and there’s many pics that prove it’s not a nice look.
@dsanders401
Ай бұрын
This whole episode ate
@steveclark5016
Ай бұрын
Like Hoodies in 100* weather
@saeligutierrez8025
Ай бұрын
Yes be out of debt.. however also find out your FIN and plan accordingly to the life you want at retirement
@Devie-tx8ri
Ай бұрын
My monthly income only goes towards myself, who sits at home and doesn’t spend money. I do not consistently have money going into my savings every month. I can’t imagine having four kids added to it.
@chloesimpkin5452
Ай бұрын
Cargo pants for girls are comfortable and have pockets
@laurieashley4306
Ай бұрын
I’m a boomer. I don’t know any gen z phrases
@Skittleboys
Ай бұрын
Mean Girls, awesome movie 🎬
@denisekelley2292
Ай бұрын
Respectfully you millennials didn't invent this stuff either, I would love to say us gen xers did, but really it was our boomer parents.
@SarahNTheRanch
Ай бұрын
You guys make me want to drink 😅🎉
@tinaallen2114
Ай бұрын
Once again Gen X are forgotten…and that’s okay with us 😉
@KatieLibby1315
Ай бұрын
Boomers were the first to be the Sandwich Generation, lived it.
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