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Financial Coach Jess
United States
Registrace 27. 03. 2020
Helping teachers-at-heart start and grow their own financial coaching business.
Bye-bye income...
Invest with us and see our deals! forms.gle/Nq5RodhEdGaU4Jie7
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Disclaimer: I may include affiliate links in the description above. If you purchase a product or service with the links that I provide I may receive a small commission with no additional charge. Thank you for supporting me so I can continue to provide you with valuable content!
00:00 - My husband quit his job!
01:26 - How God prepared me
03:00 - Eclipse Day 2024
07:30 - How YOU can invest with US!
09:13 - How we prepared to leave our last W2
12:00 - How we revamped our budget
13:40 - How I quieted my anxiety
15:30 - The future of Financial Coach Jess
20:25 - Die With Zero
23:04 - Final question
MORE VIDEOS -
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✓ czcams.com/video/qttW7KtozlU/video.html
✓ czcams.com/video/enYQp78ISbE/video.html
✓ czcams.com/video/nCTBzRoYt14/video.html
MY FAV PRODUCTS -
⇨Kajabi: app.kajabi.com/r/KW5uiEHc/t/h3y3jswj
⇨Branch Basics: branchbasics.refr.cc/financialcoachjess
⇨Bookkeeper Launch: sk293.isrefer.com/go/BLIP/JW41/
Disclaimer: I may include affiliate links in the description above. If you purchase a product or service with the links that I provide I may receive a small commission with no additional charge. Thank you for supporting me so I can continue to provide you with valuable content!
00:00 - My husband quit his job!
01:26 - How God prepared me
03:00 - Eclipse Day 2024
07:30 - How YOU can invest with US!
09:13 - How we prepared to leave our last W2
12:00 - How we revamped our budget
13:40 - How I quieted my anxiety
15:30 - The future of Financial Coach Jess
20:25 - Die With Zero
23:04 - Final question
zhlédnutí: 203
Video
Keepful Review: Can it take your bookkeeping business to the next level?
zhlédnutí 383Před 3 měsíci
Try Keepful: sk293.isrefer.com/go/KFHP/JWK41/ Keywords: Keepful review, bookkeeping business, crm for bookkeeping business, bookkeeping business crm, crm for accountants, crm for bookkeepers, business bookkeeping, scale bookkeeping business, grow bookkeeping business, 6 figure bookkeeping business, 6 figure bookkeeper, online bookkeeping business from home, start a bookkeeping business, become ...
Stay at Home Mom with a Dream Job: 7 Years After Purchasing Bookkeeper Launch
zhlédnutí 1,3KPřed 3 měsíci
Bookkeeper Launch Free Series to see if it's a good fit for you (I highly recommend this first!!)- sk293.isrefer.com/go/BLFS/JW41/ Bookkeeper Launch Info Page- sk293.isrefer.com/go/BLIP/JW41/ Drop me any questions you have about Bookkeeper Launch, and I'm happy to answer! Keywords: 7 Years After Purchasing Bookkeeper Launch,Stay at Home Mom with a Dream Job,is bookkeeper launch worth it,stay at...
Disneyworld on a Budget? How to Save Time and Money When Planning
zhlédnutí 316Před 4 měsíci
Get a free, custom quote: docs.google.com/forms/d/e/1FAIpQLSc8z25p6woH8qBNrBaAaGhdFxo7C0GK7mFBEstXH3yfTjiNBQ/viewform Follow Rachel on IG here: momentsintomagic Keywords: Disneyworld on a Budget? How to Save Time and Money When Planning, disney world on a budget, walt disney world, disney guides, disney world money saving hacks, save money at disney world, saving money at disney w...
Everything I Automate in My Business From Start to Finish
zhlédnutí 384Před 4 měsíci
Pricing Workshop for Financial Coaches WATCH NOW - www.financialcoachjess.com/pricingworkshop Try Kajabi out for FREE: app.kajabi.com/r/KW5uiEHc/t/h3y3jswj Keywords: Everything I Automate in My Business From Start to Finish, BECOME A FINANCIAL COACH, what does a financial coach do, how to start a financial coaching business, how to become a financial coach, financial coach training, how to beco...
2 Types of Clients that Desperately NEED More Financial Coaches
zhlédnutí 548Před 5 měsíci
2 Types of Clients that Desperately NEED More Financial Coaches
How to Find Financial Coaching Clients
zhlédnutí 585Před 5 měsíci
How to Find Financial Coaching Clients
Fed From the Farm Ruined All Other Meat for Us - An Honest Review
zhlédnutí 356Před 5 měsíci
Fed From the Farm Ruined All Other Meat for Us - An Honest Review
Batelle Sleep School Honest Review (NO CRY IT OUT sleep training that saved us)
zhlédnutí 405Před 6 měsíci
Batelle Sleep School Honest Review (NO CRY IT OUT sleep training that saved us)
Why Velocity Banking Can NOT Beat the Debt Snowball With Cars and Mortgages
zhlédnutí 3,7KPřed 6 měsíci
Why Velocity Banking Can NOT Beat the Debt Snowball With Cars and Mortgages
Home Equity Line of Credit to Pay Off Credit Card Debt: A Critical Warning
zhlédnutí 8KPřed 6 měsíci
Home Equity Line of Credit to Pay Off Credit Card Debt: A Critical Warning
Everything I've Changed My Mind About Since Starting My Financial Coaching Business
zhlédnutí 686Před 6 měsíci
Everything I've Changed My Mind About Since Starting My Financial Coaching Business
Chad's story: From a personal student loan crisis to financial coaching
zhlédnutí 261Před 7 měsíci
Chad's story: From a personal student loan crisis to financial coaching
How to tell if Velocity Banking will work for YOU!
zhlédnutí 6KPřed 7 měsíci
How to tell if Velocity Banking will work for YOU!
Velocity Banking vs Increasing Your Income Case Study
zhlédnutí 593Před 7 měsíci
Velocity Banking vs Increasing Your Income Case Study
Velocity banking does NOT work: Case Study ("Which debt do I pay off first??")
zhlédnutí 848Před 7 měsíci
Velocity banking does NOT work: Case Study ("Which debt do I pay off first??")
Velocity Banking vs. Debt Snowball: Case Study
zhlédnutí 1,7KPřed 7 měsíci
Velocity Banking vs. Debt Snowball: Case Study
How to Save on Groceries by Making These 5 Things at Home
zhlédnutí 420Před 7 měsíci
How to Save on Groceries by Making These 5 Things at Home
How Youtube Ran My Business Without Me For 2 Years
zhlédnutí 537Před 7 měsíci
How CZcams Ran My Business Without Me For 2 Years
Protect Your Credit Score: My Proven Strategy to Settle Debt in Collections
zhlédnutí 336Před 8 měsíci
Protect Your Credit Score: My Proven Strategy to Settle Debt in Collections
Velocity Banking Pays Off $46,000 in One Year (All credit cards and car loan!)
zhlédnutí 9KPřed 8 měsíci
Velocity Banking Pays Off $46,000 in One Year (All credit cards and car loan!)
Make your child a money genius: How to teach your kids about money in 4 steps
zhlédnutí 146Před 8 měsíci
Make your child a money genius: How to teach your kids about money in 4 steps
Pay Off Debt with ZERO Cashflow: Don't cut expenses- use velocity banking!
zhlédnutí 15KPřed 9 měsíci
Pay Off Debt with ZERO Cashflow: Don't cut expenses- use velocity banking!
Investing Gone Wrong: Common Pitfalls to Avoid
zhlédnutí 252Před 9 měsíci
Investing Gone Wrong: Common Pitfalls to Avoid
Financial Coach Training: How to coach in crisis
zhlédnutí 206Před 9 měsíci
Financial Coach Training: How to coach in crisis
Financial Coach Training: Do THIS in your first session
zhlédnutí 554Před 10 měsíci
Financial Coach Training: Do THIS in your first session
INSIDE MY FINANCIAL COACHING SESSIONS (cash flow form walkthrough #1)
zhlédnutí 700Před 10 měsíci
INSIDE MY FINANCIAL COACHING SESSIONS (cash flow form walkthrough #1)
What Happened to Financial Coach Jess?
zhlédnutí 668Před 10 měsíci
What Happened to Financial Coach Jess?
Financial Coach Master Training Full Review Update
zhlédnutí 3,4KPřed 10 měsíci
Financial Coach Master Training Full Review Update
Your insights are really helpful!
Thanks for watching and taking the time to comment! Glad it was helpful
So excited for you guys!
Thank you so much! We are pumped!
What a whirlwind this summer has been! I'm excited about partnering with my audience on future real estate deals! Here's the link to invest with us and see what we are working on up close: forms.gle/Nq5RodhEdGaU4Jie7
I am really torn between the two. Initially I was planning on doing the debt snowball. However, one thing that concerns me is that once I send my money into my mortgage, I have no ability to ever access that cash again. It's a little scary since I would be putting thousands of extra dollars in monthly.
I understand that. If you have a good sized emergency fund, I wouldn't worry. Debt snowball is really the only option with mortgage debt.
This is the most risky method I’ve seen. I hope that no one using this method loses their job along the way. Deferring your bills to save a couple bucks does not seem worth the risk. Slow and steady is how you pay off debt. Curious to see how this would work if you don’t carry a balance. Then maybe you use this every other month.
In this method, your bills are not deferred so I'm not sure of the risk that you are talking about.
@@FinancialCoachJess I’m a zero balance credit card person but have debt. If I use the cc to pay my bills then use my cash to pay off a debt(or pay down) I am deferring payment of my bills by 30 days to save a few dollars of interest. At some point you are behind using a credit card. Month 2 how do I pay off the credit card while paying the bills?
I don't think you're understanding the concept. If it doesn't work for you that's ok, it's not the best method in my opinion
@@FinancialCoachJess I am always looking for clever ways to lower interest to give me bang for the buck. Just trying to understand this and see if it makes sense for me. Seems risky to me to be using credit at 30% unless you can pay it off every month. Having trouble connecting those dots
@shrtblondie1 ah I think I see. this is only for people on a very fixed income with maxed out cards. If you're already managing your money correctly this will not help you!
I get paid biweekly, and I have different bills that are due every payday, so…this won’t work for all my bills
Not a goldfish -- lol -- I believe this video was a confirmation from God on if I should do your program or not -- I enjoyed hearing your Christian views, thanks for the encouragement.
Love to hear it! 🩷 glad it resonated with you!
So the $2,400 she transferred to her credit card includes her min payment of $160?
Correct!
I just don’t understand why you’re comparing the debt snowball to velocity banking. It can all be done together. Velocity banking is just dumping your paycheck into which ever vehicle you’re using to decrease monthly interest. Whether you decide to do the debt snowball or start with the highest debt or the lowest debt or the highest interest rate versus the lowest interest interest rate. You would still use velocity banking either way.
Numbers wise, this doesn't really make sense because of the added effort and time invested. If it works for you though, more power to you!
@@FinancialCoachJess ok, guess i don't understand what you are saying then. No worries.
Really helped me understand the route I need to go to work through my situation. Thank you so much!
I'm glad it was helpful!
Thank you for being honest and for educating us.
Thanks for watching!
Didnt need a budget to have on before all the vet tech went to 100K schools, BIG pharma got involved and now you need YEARLY boosters!!! Dogs lived great back when it was 35 dollars to see the vet once in a while. Now can food it 3 to 5 bucks a can! GREED is why it cost so much. The moochers found a way to profit from you pet!!!
Thanks for this truthful and encouraging video. I’m a SAHM and this summer I began taking Bookkeeper Launch 😅 some days I feel determined and excited for what the future holds and a lot of other days I feel like I won’t be cut out for the job. I was wondering, what type of work did you do prior to 2017? ☺️thanks again
Thanks for watching! You got this!! I totally understand the big swings in confidence and imposter syndrome. I was a high school history teacher 😊
I appreciate all of the informative information. I'm going to have a conversation with my husband about purchasing this program. I'm also going to check out all of the links that you posted below. Have a blessed day. Thank you 😊 .
You're welcome! Let me know if you have any questions!
@FinancialCoachJess I will Thank you ...
How about 11 credit cards with maxed out ?
I have lots of videos on personal finance! czcams.com/play/PL5EKJmoTKicoAfdpADcr5taMzpcAVKRQq.html&si=Vks_C2xzokxmeYSL
So happy you made this video. I've completed Bookkeeper Launch and it started with you in my initial research. I'm so ready for this to get off the ground and Keepful will definitely help with that.
Awesome! Cant wait to hear how it goes for you!
I don’t get it. If you pay 2400 a month and spend 2400 a month you are only saving interest
Plus the minimum payment each month
No goldfish here. 🎉
🙌🏻🙌🏻
Love the video thank you I would definitely love your help if you could
Glad you liked it! 🩷
sounds like you might have changed your mind?
Nope! These numbers are true! The full video gives more context
I know this video is old, but how many months do the steps take? (We are concerned that we can’t implement steps during the day because in a month or so she will be in daycare again, 8 months old- teachers who are going back to school)
The steps take two weeks! I didn't believe it but it took us almost that exact amount of time when our daughter was 11 months old
Lets assume all parties are of sound spending habbits lol, yes things happen but yea i kinda agree with haga. What if the person just didnt want to spend their cash assets and wanted to lower their monthly expenses, would you consider it then?
According to my mortgage companies' amortization schedule.... If I make a chunk payment of $5000 to my 2.99% interest rate mortgage ill save $7658.25 and 9 months of payments. The credit card I'll be using will charge me a 3% ($150) transfer fee and 0% interest for 12 months. I can easily pay the $5000 off before the card starts charging me interest on the $5000. I will easily recoup the transfer fee with the credit card sign up bonus and points, actually coming out ahead by a couple hundred dollars... I use the Snowball method in conjunction with Velocity banking...
Sounds like a solid approach! I would not have that kind of patience to go back and forth but if you're diligent and on top of it, I'm glad it's working for you!
When your in debt like this, your credit is bad, so how do you get approved for a credit card to even start this velocity method?
You might have to start with the snowball method for a few months to pay off smaller cards to improve your debt to income ratio. I've got a couple videos on how to improve your credit score. My clients have had 100 point increases in the 3 months I work with them
@@FinancialCoachJess I'll start by saying your videos are amazing. Thanks for responding earlier to me also. So....Ive noticed that nobody videos ever speak on the fact that you cant pay credit cards with other credit cards, so should'nt that money stay in your checking account also? Most videos say put everything(all money) except rent/mortgage and car payment on your credit card, but never mention the other credit cards that has to be paid also. Maybe Im missing something.
@SeanyStacks that is correct, it's "everything" that can be paid by the credit card. So other payments would not be lumped in there. And thank you!!
@@FinancialCoachJess New subscriber alert lol
@@SeanyStacks 😊🩷
Thanks!
My very first super thanks on CZcams 🥹 thank you! 🙏🏻
Your Genius! I just realized something MAJOR.
Awesome! What clicked for you?
What are the best places to apply for velocity banking. No youtuber is mentioning that
To apply for a line of credit? A local credit union
Question: I owe $9000 on Discover and $2700 to PayPal. Should I just pay all of PayPal first, or apply the $2700 to my high interest Discover?
❤
Thanks for watching!
I stumbled upon your videos by accident and I am not going to lie, your videos are the most honest ones out there with personal finance. I have been a Dave Ramsey fan for years but I also disagree with some of his teachings. I almost pulled the trigger on FCMT until I saw your videos about it and how I agree way more with you and your philosophy on finance. I hope to be able to save up and be apart of your team because it seems great. Keep doing what you are doing!! I know this is an old video but it was a good one.
Thank you so much!
I am paid weekly, does that make any difference at all in putting this into practice?
@KCandthesunshine-k1f No, it doesn't matter when you get paid. Figure out what bills cannot be put on your credit card (rent, mortgage etc) and keep this money in your chequing account and pay those from there like you normally do. Then, with the rest of your money "park your paycheques" when you get paid weekly. This will satisfy your minimum monthly payment and you continue to put the rest of your expenses on the card throughout the month (gas, groceries etc). It is actually better to "park" smaller amounts throughout the month as credit card companies can lower your limit without notice if you were maxed out and consider you a risk. Hope this helps.
Damn this just made me really depressed!! I'll never have enough money for this!
I’m about to give up. The interest is to high😭
Never give up! The time will pass anyway, just get 1% closer to your goal every day!
Do you have an affiliate discount for book keeping launch?
Yes I do! sk293.isrefer.com/go/BLIP/JW41
Thanks Jess, apologies, how does it work. Do I click and sign up t he ouch the link and what kind of discount is it? Thank you 🙏
Oh sorry! I just saw you said discount, if you go through the free series, I believe there is a discount: sk293.isrefer.com/go/BLFS/JW41/
THANK YOUUUU! 🙌🏻✨🤗 👍🏻
You're welcome!
Will I be qualified and able to land a regular bookkeeping job after finishing the course ?
Absolutely! It's actually encouraged to get clients as you go through the course instead of waiting until the very end.
@@FinancialCoachJess I mean like working for a company getting paid by the hour type of job?
Oh I'm sorry! I misread it. Yes! I know many people in the fb have gotten a job after the course
@@FinancialCoachJess Thank you for your response 🙏
No problem, let me know if you have any other questions or you can always email me too
Grace does notvwipe out consequences of our actions. Repentance is necessary to build back stronger. If he is a Christian he will do that with Gods help but he signed the contract and she did too. That is business in order to protect your niche, audience and brand. They knew this. Was Dave supposed to not move on the contract? Was he supposed to let all the gossip hurt his business while he had a contract, for a reason. I don't have to agree with the contract or decision to know it is binding and it is business. I am glad they tried to save the marriage but wish they had done something to soften her transition from employment and helped her too, but that does not require her staying employed. He isn't an enemy for making that choice. Itvis crazy to question his Christianity for trying to hold a standard for his brand.
I never questioned his Christianity.
I think my problem is that I have never been materialistic and don't let money rule me to the point I just have to have what I cannot afford. There is no way you can't live without credit. It was done before and I still do it today. I have the peace of mind. You are not born with credit. You have to get it and grow it to begin, so why are people so dumb to believe that they never really existed before credit? Because you have been told enough times to believe it! This only proves the points that he makes and I am very surprised to actually see it. But he says "live like no one else" for a reason. I just didn't know how relevant that statement is. Also, who would put their name on products and services after building an empire without getting paid for it and making sure those companies are in line with what he teaches? None of you would if you are smart. He didn't get there because he was dumb. It is never okay to get paid for it until it is you getting paid for it. Funny how jealousy shows it's face to knock a man down for his business deals when you didn't have the opportunity to make them. Crabs in a barrel who charge more for less to catch up with him is what I see.
The points raised do not make Dave wrong. It is a matter of discipline, and opinion. His program is about having no debt or using credit, so why all the comments about credit scores when you don't need them on his plan? The emergency fund examples speak to car problems or little emergencies that people have no savings for at all. So, what difference does it make if it is little if you never had the funds save anyway. It is a small start for a reason to dive into cutting debt without a little excuse to get something on credit. The people who don't like it are people who don't want change, which is why they are in debt to begin. Others monetize off of the fact that they won't get serious enough but will pay thousands to pay another coach to not push them as hard. Which is why they are in debt. Not everyone can do that and his program, literally everyone can do, and access for free. I know this because I used his books from the library and his website. He has no problem being consistent with his ideas free on his programs and radio broadcasts. I am only in debt because I kept being told I needed credit. I paid off debt before but struggled with other advice until deciding to follow Dave. It is my preference to not use credit and I shouldn't be shamed or called dump for that either. He is the only one to tell me I am right and how. I prefer that!
Great information . But yhe biard5 anf figures ate to small bigger white board be per5 . Thanks Paul
I agree, the font is very small if you're on your phone!
HELOCs are not the problem. Most people have poor money management and live beyond their means with barely any money left over at the end of the month. For those who do know how to manage their money HELOC is just another tool and if utilize properly can have huge benefits
Of course. Just like credit cards are a tool, debt is a tool, etc. my point is, predatory people are selling helocs to people who don't know the risks and it's being sold as a fix all. My goal is to explain the reality of the risks and how it can be a gamble that costs the borrower everything.
This video was extremely helpful! Thank you!
Thanks for watching!
I visited your CZcams channel and saw that your content is so good. But there are many workspaces, so you need to update your video optimization. Like SEO-friendly video title selection, writing an attractive SEO-related description, and researching high-rank targeted keywords according to your niche to rank your video.
Lovvvve the comments that back handedly insult my videos 🤩🤩🤩
@@FinancialCoachJess Can I help you?
You explain everything so simply. Thank you. ❤
Thank you so much! 🩷
People make this sound great but I actually tried it and my card is more maxed out than it was. Car trouble comes along other unexplained or emergency expenses come about and you have no cash it has to come out of the credit card. When you live paycheck to paycheck at least from my personal experience I don't recommend this unless you definitely have a good savings account that can cover your unexpected expenses so that you don't end up putting more on your credit card then you end up paying off
Correct, this method requires 100% accuracy. I talk about that in another video which can be a huge pro or a huge con. I personally think making more money is easier!
This is very similar to my scenario where I have been trying to make VB work for me, but when I ran the numbers, it just didn't work. I've already increased my income, but the increase in rents (my family's and my mother's apartment), food, and gas mostly, insurance premiums...etc. Everything is in a budget and accounted for. Housing for us is over 50% because we pay for my mom's apartment. Long story, but she has health issues and cannot work at 72 and never worked, or had any income. Here's what I observed about the VB channels and crowd. 1) They're quick to want to get a HELOC, which is a red flag to me. 2) A PLOC is doable, but when banks are closing CCs and reducing limits AND you don't have the extra savings to cover things like future month's bills, that's scary. I'm not putting anyone in that position to save a few $$ of interest. 3) They're not doing the math and seeing if VB is really a better choice, nor have I seen anyone who has a testimonial that it worked for them. In fact, the opposite, there was a popular VB channel that I followed, but she hadn't been heard from in 6 months. After around 8 months of watching videos on VB, I'm still not comfortable with parking my money in a PLOC or a CC without having a robust emergency fund. I'm a Christian and in the Bible, there is 5x more said about saving then there ever is about how bad debt is. I've been in debt before, and I'm in it now. I'd rather apportion more to Savings and my emergency fund and weather the storms, then take the time to make VB work for me, It's a lot of Admin. lol
I highly recommend a high yield savings account for you in this case! I have mine at Discover and will earn $200 in interest this month! 👍🏻
Hi Jess, Love your videos. Each video is full of wisdom. If you have some time later this week we can discuss a possible collaboration. What do you say? Cheers, Sahil
Thank you! 😊
Hi Jess, You are providing immense knowledge here on youtube. Thank you so much. If you are free sometime later week can we discuss a potential colaboration/partnership. Congrats on 100th video, Stay shining, Sahil
Thanks for watching!
@@FinancialCoachJess Appreciate it. btw Can we discuss about a potential business collaboration?
I'm not interested
@@FinancialCoachJess No worries. have a good one.
Damn and hwre i thought i found a new weapon with velocity banking, what is dwbt snow ball?
Debt snowball is putting all of your free cashflow each month toward he debt with the smallest balance. Then when that is paid off, adding that minimum payment to your "snowball" and the amount gets larger over time as you pay off your debts this way
Hey Jess! Can you give me a good tax advisor recommendation? I’m looking to become a financial coach and have found your videos, extremely helpful! Everyone says to form an LLC before you do anything, and I’m ready to, but I wanna make sure I’m setting it up correctly and forecasting my tax deduction Savings. Who do you use?
If you're looking to set up your llc, I would actually recommend a business attorney!