Peer pressure is the reason people have husbands, wives, children, jobs, degrees, cars, houses, etc that they never really wanted... Learn to be your own person.
Don’t follow other people. You don’t know how far they are in debt. The pictures won’t tell you that. Continue with your 401K and build your emergency fund. You will be happy at retirement. Pace your self. Watch out for charge cards, it’s a for profit business. It’s not for you.
I’m a travel RN for the past 4 years. I’ve seen nurses buying luxury cars, going on lavish vacations, etc. I stuck with my 2014 Honda Civic and paid off all my debt. Saved up for a house and now I finally bought my house. The next step is paying off this mortgage. I take pleasure in simple things. Just going outside for long walks and hikes, going to state and national parks. God has blessed me immensely 🙌🏽
I'm a nurse too. On my financial journey. Nurses around me be getting doordash for every meal while I'm eating leftovers or a sandwich. Haha. I will not let them change my mindset 💯
What helped me a few years ago in my financial journey was joining a sousou A sousou is when a group of people decides to set a certain amount of money each month in a pool or an account, for example, $100 a month. Each month , a person in that group gets to collect that amount. It can last 6 months to a year or more. Most last a year. The more people that join, the more money you get . Besides having a lump sum of money coming to you at once, that process teaches you responsibility as well. This will help you to quickly save for an emergency fund. I did it for 6 years. Now, I no longer need to do it because I was able to save 6 months of emergency funds. I contribute that same amount, though, for myself, each month towards that emergency fund.
Have you ever noticed that maybe those nurses make enough to do that? Some people can practice financial freedom that a lot of yall have never seen before
I would assume ptsd .. every code blue and very ill patient’s .. I couldn’t do it! Icu patients, or any other.. it would absolutely be traumatizing!’ God bless
Go to any hospital parking lot in America. The Mercedes, BMW, Lexus, Range Rovers belong to the nurses. The used Honda’s Toyota’s & Subaru’s belong to the Doctors & Surgeons. The Doctors & Surgeons don’t have car payments, while the Nurses pay monthly for a car that’s depreciating in value.
RN here.. only been in the field 5 years. Let me just say, if you’re a nurse who lives paycheck to paycheck, you are obviously very bad at managing your money. The first few years after graduating and starting my career, I had to work my a** off, work OT, nights and weekends. I was focused on aggressively paying off debt and student loans. But it paid off. After 2 years I was able to become debt free by living within my means and not living the extravagant lifestyle some of my peers had begun. Now, I can say I feel comfortable. I’m able to max out my 401K and my Roth IRA every year, and have a fully funded 6 month emergency fund. Now my extra money is being invested into the market. Anything is possible, guys. It’s not about the job, it’s the mindset. There are teachers and even janitors who make far less money than nurses who are wise and accumulate a lot of wealth!
@@sandysmith71 nurse here. I live within my means. I’m partially retired. I just work a couple of days a pay period just to keep my license active. I’m debt free and have a nice savings. My advice to all is don’t go overboard spending. Enjoy life as you go. Don’t worry about what others do because they won’t help you out when you need it. You will be just fine
@@fatman7916 awesome! I am hoping to do the same . Hoping to drop down to “ semi retirement “ in about two years . That will give me just a little extra cash in my pocket so I don’t have to dip into savings gs or 401k until much later ! The best thing of living below your means is it takes fear off the table ! You don’t feel controlled or afraid of lay offs or bosses etc lol .
I’m a Nurse for 11 years now. I don’t subscribe to this “Luxury Nurse Boogie Bullshit” I do like nice things, but I’m not into labels. I recently paid off my car. No car payments. Something decent, nothing lavish. A 2014, Sports edition Honda Accord. it’s now 10 years old and I love it!!! NO PAYMENTS!! 😂😂😂. Saving for another car, I plan to buy cash whenever this one has ran it’s course. I don’t live to impress people. I live for my family. My kids, Husband and Parents ❤
Been a nurse since 2011, been a travel nurse since 2017. Seven figure net worth and 4 houses paid off. If there’s one advice I can give anyone it’s “live below your means”. The nice car, nice shoes, nice clothes, will only make you “happy” for a short time. Nothing bad about taking trips or vacations but you can do it the cheap and affordable way. My trips are flying to somewhere, hiking multiple trails, taking photos and sleeping in my rental car. I only spend 25% of my monthly income and the rest goes into the stock market or buying land.
Greetings! I totally understand. I did max my credit cards out on vacation my new. I travel the world on a budget. I have a group travel with where you make small monthly payments. I definitely understand not having any money because we feel like we have to have. Right now I am paying off my credit card will take me a little bit, but I’m gonna get them paid. Thanks for sharing and I hope all works out with you your finances. Do you ever wanna travel? VP productions travel,is the way to go. You don’t need any credit cards just small monthly payments.
I need to follow you!!! 4 houses in this market? ...ok lol Why do you think so many people HAVE to keep up with the joneses? Even though its killing them?
Been a nurse 15 yrs, never done any of the things co workers do. I'm still driving a Nissan which is 9 yrs old. No plans to do anything extravagant. Only debt I have is my mortgage.
Nurses like to compete with each other who has the best car, house or designer bags. One nurse bought a house that is almost $2 million in Cali. She is working 6 days sometimes 7 to pay for that house and her “lifestyle”. She is over 60 y old, her daughter with her 5 kids from different fathers also live with her so she is responsible for them too. I bought a little cheap townhouse as a single woman and I am ok with that. No student loan. I rarely travel while some of them are taking trips every 2-3 months.
I'm not a nurse but I'm a housekeeper at a hospital. I have to listen to all the bragging and people trying to out do each other. I had to listen to them brag about all the extra money they were making during the pandemic. Now comes the struggle because there's no more pandemic and no extra money. Not a lot of bragging going on now. They are all trying to pick up extra shifts. I paid off any extra debt I had which wasn't a lot a couple of weeks ago. Just because someone is a doctor or nurse doesn't mean they aren't low key struggling financially. I'm a housekeeper, no debt, peace of mind with a credit score over 800. I have blinders on. I don't care about what other people buy or have. I don't try to keep up with the Joneses because the joneses are most likely putting up a front. They should have been using all that extra pandemic money to pay off their student loans instead of buying houses and going on trips. When I hear them complaining about how expensive groceries and gas are I think to myself quit complaining you should have made better decisions with all the extra money you made. Respect to the nurses who made good decisions with their money and didn't waste it trying to outdo someone else. It's not worth it financially.
You said you don’t care how people spend their money yet you sound like you care. Everyone doesn’t have the same spending habits.. unless you’re paying their bills why is it your concern.
@@kayabe856 Clearly you didn't comprehend what I wrote. I'm not in debt because I'm not worried nor do I care about what other people's spending habits are. Which means when people regardless of who they are brag about what they bought or have I don't let it affect me or make me feel like I have to go out and waste money to keep up. Yes, clearly everyone's spending habits are different that's why some people are in debt/struggling and others are not. In no way does my comment sound like I care. Your comment is silly and you are looking for an argument that you will not be getting from me. I meant what I said and I said what I meant. If you are triggered by my comment that's your problem not mine. Good day😁
Social media is very toxic. It makes you feel like you’re missing out in life but in reality you don’t cuz ppl won’t help you when you need money and things
I notice this with Black and Filipino nurses. We both (for the most part) come from impoverished backgrounds and as soon as the money starts rolling in we want the trinkets of luxury.
I gave up trying to impress anyone and started being ok with what I had. That’s when things turned around is every way. Wanting of any kind leads to misery.
I work with nurses the past 20 years. So tired of hearing about their trips and vacations and ordering lunch from expensive restaurants. If they’re broke I don’t feel sorry for them. Also, nurses always make bad choices in men.
Omg, you are so right! I was a nurse for many years before retiring & yes, soooo many of my co-workers were with useless, jobless men! And they spent ever cent of their paychecks to buy clothes, jewelry, cars & cruises! It’s so true about nurse culture!
I know a RN traveling like this but they live AT HOME WITH THEIR FAMILY. I also knew another but she had 3 Nursing jobs. Look at folks circumstances before you envy their lives. I know another that didn’t let the $10,000 during COVID go to her head and invested all year while making those checks. Move wisely. God Bless our ICU nurses. Find a way to de-stress without the expenses.
Thanks for the honesty! FOMO is a real thing. I have been a nurse 30 years. It seems the answer to a lot of financial issues is always " I'll just pick up a shift". Unfortunately
Been a nurse for 29 years….as a younger nurse there were times I bought into FOMO (that wasn’t a term back then…it was basically still just KUWJ keeping up with the Joneses 😂 But years later I realized I had to drop some shopaholic friends 🛍 and more years later realized that most debt 💸 is dumb! Now older and a little wiser Have absolutely no FOMO WHATSOEVER. Don’t care what others are doing. They have their life and I have mine.
Not usually the right alternative you also gotta think about keeping that body together post nursing career and old age. Can’t always just be picking up a shift. Manage wat u have made wisely so that body can stay and elevate to Myb NP or CRNA ( a lot of standing as well… can’t be picking up shifts all the time)
@@oyato1not a nurse but I could “ easily” get out of debt faster working in my field on the side. Lately I’ve been literally screaming at ppl that my mental will suffer if I do that. So I have to take the slow or alternate route. Ppl are like ur crazy, you could stack dough…and be on mental health leave within 3 mos lol
Words are powerful! Broke has never been in my vocabulary! My money just hasn't caught up to me yet! Money has always found me! I'm abundant. Change your words. You have what you say. You are what you say! 💚
I have been a Lpn for 30 yrs and own my 240K house and over 120K in a CD. Both my trucks are paid off, I don’t like owning people, my credit score is 835. I am retired Army nurse E8 and got another 4 yrs to retire from my state nursing job and which I plan to stop working for good. . I do have a masters degree in teaching, but works as a nurse. I only work 11 months a yr and vacation all of July every year. I make 65K a yr and my retirement check is 52K a yr. I can live off 2K a month since I have no bills, well my grand kids do hit me up for birthday gifts and Christmas gifts. I do take my 4 grown daughters/ their husbands/ baby daddy and grand kids on vacations every 2 yrs to Florida.
*female energy work environment* Nurses always tryna top eachother who eat what = low self esteem = dispising one another *Male work environment* Mechanics be buy food and eat together one dish =save money = better bonding
Exactly , they care about who eating what, pocket watching each other to see what she used with her money, who getting they hair done first, who got the best clothes, how they living outside of work, how somebody spent they money over the weekend, and some woman fall into that peer pressure to compete.
I'm still driving my 2016 Toyota Camry that has been paid off since 2022. I'm working on paying off my home. I earn six figures and live like I make $50k. I deleted all forms of social media 5 years ago, with the exception of CZcams. Life couldn't be sweeter.
My mom was a 30-year career nurse. She was in debt at age 57 but managed to get out of it and do pretty well for herself by the time she retired at 67.
You are so funny… and thank you for being so real! It is rough out here in these nursing streets. We work so hard and believe we deserve to have and experience nice things. I’m glad you saw it for what it is FOMO. Blessings
I’m just an lvn and never been a travel nurse. 2020 I bought 10 acres of land off savings, paid of my car then visited my home country after 10 years here. We have 5 teenagers and our meals are home cooked 97% all year round. As an immigrant I don’t understand how people can’t save money because for us we have to support our families back home and multiple extended families. I was once kicked out with my 2 year old and 8months pregnant. From that experience I vowed never to have less than 10k emergency fund.
Awesome a male nurse! My wife and I are 60 y/o I'm a retired firefighter from NJ with a pension. We always worked she will retire at 62 y/o. Two incomes living in NYC are much needed your wife could work P/T from home or Grandmom/caregiver could help. We have saved for 30 years. I would skip the 529 plan max your Roth 401 with target date funds set & forget it. We have always been frugal, not cheap. My daughter is 32 y/o married and has been a nurse for 7 years in med-surg/ICU at Jax Mayo. My son just turned 28 y/o still at home and finished nursing 1 & 2 pray he will graduate in the Spring 2025!
Best all inclusive advice ever! I can't agree with you more, 529's are expensive, the Roth is the best. Congrats to your daughter and kudos to your son. He is going to do just fine. 😊
@@christinarach340 We did have about $750000 total in 529 plans for two. Because 529 plans may decrease financial aid. Plus my son is 28 y/o lives at home and works P/T at T Mobile he qualified for the Fed Pell Grant for Fall & Spring Nursing. However, most FA advisors recommend a 6-12 months emergency fund first, then you want your Roths to be fat as a thick until max, then pretax accounts 403,401,457. We learn this after the fact. We always stayed out of debt only a mortgage now debt-free since 2021.
@@christinarach340 We were fortunate for both of us to work. Nursing is the best return on educational investment money can buy! Plus nursing is so flexible you could work from home, and live anywhere around the world it's crazy the human capital being created.
During Covid I was stacking up but I saw a lot of other travel nurses balling out of control. They even had a nurse on social media named the luxury nurse who showed her very lavish lifestyle. Those 10k week checks went to a lot of our heads
I agree. I’m watching nurses with Stanley’s and wearing figs scrubs. All I thought is, I could do that too but Al my money is going into my retirement account. We live debt free ( well my husband just bought a used car but we have the money in savings and if he gets tired of car payments he can just stroke a check and pay it off). I prioritize my retirement and being able to not work above all else.
That’s what I’m talking about !! That is super dope the mindset you and your husband have !!!You go girl !!! Welcome to the family and can’t wait to go on this journey with you 💫
There are people, including nurses, who are just not responsible with their money. I’ve been a nurse for over 40 years. I bought my first property at 23, paid it off then bought and paid off my next property and have had a passive source on income for over 30 years. I’ve always been very intentional with my hard worked income . Because of that I can work part time and still take three vacations a year. Work hard, play harder
YES!!!! Same here ... like, oh my gawd! Their complaints - I be like, Really! That's what you are worried or upset about! Get out of here with that ...
@@SB-tc2jr I get that they are stressed, but they come out of the gate stressed. I don't know how many women I have told at work places, that act like b*tches for no reason; At least you aren't roofing a house in july, at least you are in air conditioning, at least your life isn't on the line being a coal miner ect ect. It is like explaining something to a child.
@@RemoWilliams-jg4yb Ya! And they seem to live in a nursing hub or bubble - out of touch with the rest of the world. They seem to be desensitized. Out of touch with reality - I guess that's how they cope.
I have cousins who are nurses and they definitely are angry. Part of the reason is that they hate their jobs, but it pays enough for them to not want to change careers.
I see the financial foolishness that these others partake in, and I REFUSE to live my life trying to impress people I don't know, or don't like me. You make too much money to have nothing to show for it. Secure the bag, homie 💪🏾
My best friend she is a nurse, she got a large increase on pay, she bought an $80,000 car, on top of the five year old car she still paying. She never has money to pay for little things and living pay check to pay check.
My mother has been through hell for a year and a half.. God Bless our nurses!! Nurses do so much more than Dr’s.. God bless them all!! Ty for all your time, and your dedication to your patients!!
Like a new car. Everyone driving around with New vehicles and i still have my old one with over 100k miles. I stood strong and did not fall for buying a new car and kept my car, so i fully understand what you are talking about. They all can laugh at me, i don't care and do not need a next bill. Stay strong.
Many say, "The more you have the more you spend," but people can be so dumb that they still spend too much and can't afford it. If you can't afford a vacation, you can't go. If you can't afford a new car, don't buy new. If you can't afford a house, don't buy a house. If you can't afford to have a kid or kids, don't have kids. The list goes on. It ain't that hard to understand.
I’m not a nurse. But this video really spoke to me. I’ve been struggling with the same issues. I really appreciate your raw honesty and relatability. Definitely one of the best videos I’ve come across on this platform. Good luck on your journey to financial freedom!
This is the realist video I seen all week!!! I was weak when you said I’m going to Afghanistan, because earlier this year I went on a solo trip to Afghanistan 😂😂😂😂 I’m a traveling Respiratory Therapist and I totally understand about over spending and not budgeting. I had to chill for awhile to get myself together.
New nurse subbie Im hollering at this vid 😂😂😂 You're 100% correct. Hopefully we live and learn! I don't follow FOMO and want no parts of it! Keep striving 💪🏾 with the new found mindset you can get far!
New subbie here! I love your realness and transparency😂 I understand oh to well what FOMO feels like. I too spent many years in school and just lifing to where once I elevated I wanted to do EVERYTHING, all at once... and I'm paying for it now😕. I am almost embarrassed at how frivolously I have spent. My husband and I are taking our kids to Nickelodeon Resort in Punta Cana next month. My son who has no concept of money has been dying to go for awhile now. This is IT! When we get back we are buckling down. And I mean alllll the way down. I plan on making the other half of this year count.
Been an RN for 20 years.. paid off house, no DEBTS, driving my 19 year old car. I now work part time.. because DEBTS are paid off.. life is good.. my coworkers working EXTRA, picking up EXTRA shifts😥
I enjoyed your video! Subscribed to follow. I have been in Nursing for 28 yr. I’m a Nurse Practitioner the last 14 yr. It is true the more you make, the more you can spend ……then the economy tanks so when you thought finally you can get ahead…and nope! I decided last month to give it a try at starting my own CZcams channel. I’ve seen so many that make a good side income with CZcams. My goal is 6 months to monetization.
Love this video young man great head on your shoulders! As a single mom to two teenagers I’ve paid my car off..focus on ONE major vacay per year..now I’m focusing in on owning my own home ❤
True story. I work 3rd shift at a hospital here in Atlanta. I was on the medicine floor when I heard the male charge nurse say he was “looking for a sugar daddy”.😂😂
28 year retired nurse here. I was in my early 40s before I realized I wasn’t saving enough money. I’ve been using the Dave Ramsey’s Financial Peace program. I am debt free & I can’t explain how freeing that feeling is. 🌺
Yeah my husband and I are nurses and we did the same thing. We went on a trip to Jamaica and went broke. We’re on our debt free financial journey again
Ayyyy so glad someone can relate !!! Listen you guys are going to get out of it! This journey we might take step backs but as long as we keep moving forward!! You guys got this !!!
Can you blame them though countries all over them world are failing due to corrupt politicians nuclear war seems enebidle I wouldn't even be surprised if our banking system crashes in this generation might as well spend your money and enjoy yourself I say even young men are checking out on society
He ain’t lying. My ex best friend was a nurse who drove two BMWs granted they were not brand new, but she got it apartment in downtown Atlanta on top of that. It was always out of money. I think, regardless of the profession our generation is just built on keeping up with the Joneses. I’m in my 30s and I already have six figures in my 401(k), but at the same time is hard to keep a good savings on hand where I can just go to the bank and take out what I need and make decent money
Thanks for sharing! And ya you gotta tighten up! I would cancel the trips and get my money back fr, feel the pain of dumb decisions and learn from them 💯
This is where people are going wrong. If you have not analyze the world you live in, we all need to . We are living in inflated times. Living rich is so NOT trips and material, school teachers and other occupations do this as well. You can be rich in life by doing the simple things. I racked up in some discount and hotel rewards ❤no shame in it and paid months in advance for not much at all. I vacation during off season when most people are 😂 working. Its cheaper IJS and I have no shame in it. Slow down, don't follow others, create your own memories.
You got this brother. The most important step is realizing that you made a mistake. A lot of people still live that social media "dream" life. Eventually, it catches up.
Being honest about one's self is a huge problem. Most people are sabotaging themselves without even knowing it. Keep up the great content! "Don't count on money that you don't have" 👀
Sadly this is with every profession 😔 I made horrible money decisions when I was in my 20s and I’m still paying for it now. I would urge any young person to work as much as possible, buy a decent house below your budget and a car and keep it for as long as possible. Save save save!!!
Thanks for sharing this man. It is very true. As a RN, I feel I was spending everything I made. I haven’t done anything lavish but I was just spending everything I made, utilizing a lot of credit, and helping family with their financial issues. I have been working on decreasing my CC debt. I went from $24K CC to 9K and have 50K in student loans (from private school) and 25K left on my auto loan (Honda). It’s been a struggle but slowly I’m changing my financial habits. The problem I have was not learning how to budget and using credit. I don’t have to keep up with the trends. I want to start keeping my money too as a nurse. I’m a work in progress. To the nurses in the struggle, we have to be wise with our money and change if not we will be broke when we retire and throughout our career. Good luck to everyone coming out of debt.😢
I have been a nurse and now NP since 2007. My Camry 2000 but my through LPN, RN, BSN and NP schools and degrees till I bought and paid within-in-year my never use 4Runner SUV. Over the years while I was even a CNA, I have witnessed nurses living unnecessarily lavish lifestyle and never had time to enjoy the things they bought. It is not worth. Be yourself and live a simple life. I do not believe in working 2 full time jobs forever. Been there and not anymore more
Don’t beat yourself up to much about missed opportunities. Wife and baby are healthy and blessed to have you as their leader. Accountability pressure will make you feel like everything must have training wheels or guard rails. Look back over your pictures because your family may needed that reset with you. Congratulations on your debt free journey.
Live simply and frugal. I'm speaking from experience. My husband's a Chemical Engineer and we spent lavishly for too long. Yes we have money saved but we could have had a lot more saved and you WILL need it in your golden years. Please heed my advice; you'll thank me for it later.
It's called in my day, 🛑 keeping up w/the Joneses on any level... You live & you learn... At least you lived & learned REAL QUICK & DIDN'T KEEP up w/the Goofy Joneses!
THANKS for your Transparency & you're not the only one who has made financial blunders, so have I as a nurse! I also, have become very disciplined with my social media usage. Watch out for the power of social media pulls that will only cause you to lose focus of your goals. Social Media in itself is not "all bad"---We just have to be disciplined & stand firm, even if it means pulling back or even eliminating some social media outlet---We each have to be True to ourselves & make that determination!
I’m a nurse who has learned to keep her 2016 Honda CRV and most of the docs I work with drive very modest cars (Subaru, Honda, Toyotas, etc), but the nurses… they drive luxury baby!
Don't worry about it. Enjoy your trips. Next time book 2 or 3 trips in a year. We all go overboard so don't stress. By the way, you're gonna do it again in your lifetime. It's just life. We're all gonna die and none of this will matter.
Good reminder to live for yourself, not others! I have gotten into the habit of asking myself who is this for.. is it for me or is this someone else’s expectation in my head Or when it comes to buying stuff, I ask myself am I actually going to use this consistently It helps me a lot when it comes to not over spending
This! Always trying to show off n for what? People are grown adults still trying to “shit on the haters” lmao 😂 and end up living check to check & drowning in debt 💸…. Again I know ppl that make double & triple what I make at my job and they are always STRUGGLING ?! Make it make sense!!!!! Stop living for others & start living for yourself! For your kids, for your family!
I'm a Nurse as well MSN, FNP, RN. and when I graduated from school for the first four years every check was dedicated to student loan and I'm cleared as of 2017. I've learned through our my career that the Jones aren't me and I'm not them. I've budgeted and invested well and I don't have children but I'm married and he's in the medical field as well. Our income is strong together and we diversified well. We both went to a financial advisor and strategically implemented a family plan that's effective and sustainable. Living in NYC is very expensive and the financial struggles are real. Good luck to you Brotha...💯
I understand, you don't want to pay the price for living a LIFE. On the other hand, you could be the cheap guy in the room who saves all his money with no relationship and no kids, which you probably wouldn't be able to withstand. No one wants to be the cheap guy, but you want to be more like him to maximize your economic potential and growth. Money isn't everything. You're doing fine for yourself. It's different for everyone. For me, I am the cheap guy in the room, because naturally I'm ASIAN and an INTROVERT - I really don't have an inherent strong sense of urgency to have children and FOMO/YOLO out on life to begin with. Know your personality type. At the end of the day, you are who you are.
Peer pressure is the reason people have husbands, wives, children, jobs, degrees, cars, houses, etc that they never really wanted... Learn to be your own person.
Pin 📌 this
It didn’t even sound like it was peer “pressure”. They were just living their life and sharing and he felt like he needed to be like them.
Don’t follow other people. You don’t know how far they are in debt. The pictures won’t tell you that. Continue with your 401K and build your emergency fund. You will be happy at retirement. Pace your self. Watch out for charge cards, it’s a for profit business. It’s not for you.
This PART💯💯💯💯💯💯💯💯💯
For some It’s greed. If it’s not your passion do something different.
I’m a travel RN for the past 4 years. I’ve seen nurses buying luxury cars, going on lavish vacations, etc. I stuck with my 2014 Honda Civic and paid off all my debt. Saved up for a house and now I finally bought my house. The next step is paying off this mortgage. I take pleasure in simple things. Just going outside for long walks and hikes, going to state and national parks. God has blessed me immensely 🙌🏽
Praise GOD 🙏🏾🙌🏾definitely the goal !
People like you are everything ❤
Be careful in those national parks
save yo money
Excellent plan. I did the same and retired early with zero debt. Still have a mortgage but at a low interest rate.
I'm a nurse too. On my financial journey. Nurses around me be getting doordash for every meal while I'm eating leftovers or a sandwich. Haha. I will not let them change my mindset 💯
Ayy so glad we can be on this journey together 🙏🏾❤️
What helped me a few years ago in my financial journey was joining a sousou
A sousou is when a group of people decides to set a certain amount of money each month in a pool or an account, for example, $100 a month. Each month , a person in that group gets to collect that amount. It can last 6 months to a year or more. Most last a year. The more people that join, the more money you get . Besides having a lump sum of money coming to you at once, that process teaches you responsibility as well.
This will help you to quickly save for an emergency fund. I did it for 6 years. Now, I no longer need to do it because I was able to save 6 months of emergency funds. I contribute that same amount, though, for myself, each month towards that emergency fund.
Airfryer = gourmet wholesome Mcdonald's that you're proud to eat.
Have you ever noticed that maybe those nurses make enough to do that? Some people can practice financial freedom that a lot of yall have never seen before
True financial freedom isn't working for someone. Trading time for money. Eating out everyday is a waste of money. Also not healthy
Nurses see so much sickness & tragedy, I feel like they/we spend money as a stress relievers.
They also have the highest levels of alcoholism
Yes this is true and we don’t even realize we are using our money as a coping mechanism sadly.
❤❤❤
BANKRUPTCY is a tragedy😂😂😂
I would assume ptsd .. every code blue and very ill patient’s .. I couldn’t do it! Icu patients, or any other.. it would absolutely be traumatizing!’ God bless
Go to any hospital parking lot in America. The Mercedes, BMW, Lexus, Range Rovers belong to the nurses. The used Honda’s Toyota’s & Subaru’s belong to the Doctors & Surgeons. The Doctors & Surgeons don’t have car payments, while the Nurses pay monthly for a car that’s depreciating in value.
That’s a fact !
I see this in LTC parking lots two I be so confused 🤦🏾♀️
Not in my hospital. I see the doctors driving fancy cars.
stay frugal and stack that money
RN here.. only been in the field 5 years.
Let me just say, if you’re a nurse who lives paycheck to paycheck, you are obviously very bad at managing your money. The first few years after graduating and starting my career, I had to work my a** off, work OT, nights and weekends. I was focused on aggressively paying off debt and student loans. But it paid off. After 2 years I was able to become debt free by living within my means and not living the extravagant lifestyle some of my peers had begun. Now, I can say I feel comfortable. I’m able to max out my 401K and my Roth IRA every year, and have a fully funded 6 month emergency fund. Now my extra money is being invested into the market.
Anything is possible, guys. It’s not about the job, it’s the mindset. There are teachers and even janitors who make far less money than nurses who are wise and accumulate a lot of wealth!
ALL OF THIS!
Debt free nurse here . I live below my means so I can retire early and enjoy life while still young enough to do so
And you will do it too! We got this !! Lock In!
That was my approach and now I can retire early...keep it going...you can do it!
@@sandysmith71 nurse here. I live within my means. I’m partially retired. I just work a couple of days a pay period just to keep my license active. I’m debt free and have a nice savings. My advice to all is don’t go overboard spending. Enjoy life as you go. Don’t worry about what others do because they won’t help you out when you need it. You will be just fine
@@fatman7916 awesome! I am hoping to do the same . Hoping to drop down to “ semi retirement “ in about two years . That will give me just a little extra cash in my pocket so I don’t have to dip into savings gs or 401k until much later ! The best thing of living below your means is it takes fear off the table ! You don’t feel controlled or afraid of lay offs or bosses etc lol .
I’m a Nurse for 11 years now. I don’t subscribe to this “Luxury Nurse Boogie Bullshit” I do like nice things, but I’m not into labels. I recently paid off my car. No car payments. Something decent, nothing lavish. A 2014, Sports edition Honda Accord. it’s now 10 years old and I love it!!! NO PAYMENTS!! 😂😂😂. Saving for another car, I plan to buy cash whenever this one has ran it’s course. I don’t live to impress people. I live for my family. My kids, Husband and Parents ❤
Been a nurse since 2011, been a travel nurse since 2017. Seven figure net worth and 4 houses paid off. If there’s one advice I can give anyone it’s “live below your means”. The nice car, nice shoes, nice clothes, will only make you “happy” for a short time. Nothing bad about taking trips or vacations but you can do it the cheap and affordable way. My trips are flying to somewhere, hiking multiple trails, taking photos and sleeping in my rental car. I only spend 25% of my monthly income and the rest goes into the stock market or buying land.
Thank you for the free game 🙏🏾🙌🏾
A nurse who worked during covid cant tell me yall had a once in a lifetime chance
That is awesome! I agree with you on traveling , spending wisely .thank you for sharing.
Greetings! I totally understand. I did max my credit cards out on vacation my new. I travel the world on a budget. I have a group travel with where you make small monthly payments. I definitely understand not having any money because we feel like we have to have. Right now I am paying off my credit card will take me a little bit, but I’m gonna get them paid. Thanks for sharing and I hope all works out with you your finances. Do you ever wanna travel? VP productions travel,is the way to go. You don’t need any credit cards just small monthly payments.
I need to follow you!!! 4 houses in this market? ...ok lol
Why do you think so many people HAVE to keep up with the joneses? Even though its killing them?
Been a nurse 15 yrs, never done any of the things co workers do. I'm still driving a Nissan which is 9 yrs old. No plans to do anything extravagant. Only debt I have is my mortgage.
That is incredible 🙏🏾🙌🏾
That's amazing
U winning! 🎉frfr
Differently hear that
Nurses like to compete with each other who has the best car, house or designer bags. One nurse bought a house that is almost $2 million in Cali. She is working 6 days sometimes 7 to pay for that house and her “lifestyle”. She is over 60 y old, her daughter with her 5 kids from different fathers also live with her so she is responsible for them too. I bought a little cheap townhouse as a single woman and I am ok with that. No student loan. I rarely travel while some of them are taking trips every 2-3 months.
I'm not a nurse but I'm a housekeeper at a hospital. I have to listen to all the bragging and people trying to out do each other. I had to listen to them brag about all the extra money they were making during the pandemic. Now comes the struggle because there's no more pandemic and no extra money. Not a lot of bragging going on now. They are all trying to pick up extra shifts. I paid off any extra debt I had which wasn't a lot a couple of weeks ago. Just because someone is a doctor or nurse doesn't mean they aren't low key struggling financially. I'm a housekeeper, no debt, peace of mind with a credit score over 800. I have blinders on. I don't care about what other people buy or have. I don't try to keep up with the Joneses because the joneses are most likely putting up a front. They should have been using all that extra pandemic money to pay off their student loans instead of buying houses and going on trips. When I hear them complaining about how expensive groceries and gas are I think to myself quit complaining you should have made better decisions with all the extra money you made. Respect to the nurses who made good decisions with their money and didn't waste it trying to outdo someone else. It's not worth it financially.
omg that was so good! this is so true on so many levels.
You said you don’t care how people spend their money yet you sound like you care. Everyone doesn’t have the same spending habits.. unless you’re paying their bills why is it your concern.
@@kayabe856 Clearly you didn't comprehend what I wrote. I'm not in debt because I'm not worried nor do I care about what other people's spending habits are. Which means when people regardless of who they are brag about what they bought or have I don't let it affect me or make me feel like I have to go out and waste money to keep up. Yes, clearly everyone's spending habits are different that's why some people are in debt/struggling and others are not. In no way does my comment sound like I care. Your comment is silly and you are looking for an argument that you will not be getting from me. I meant what I said and I said what I meant. If you are triggered by my comment that's your problem not mine. Good day😁
@@TL71913❤
@@kayabe856sounds like you hating 💯
Social media is very toxic. It makes you feel like you’re missing out in life but in reality you don’t cuz ppl won’t help you when you need money and things
And also nothing is what it seems online. The Internet is the new hollyweird
“Don’t count on money that’s not in your pocket” I literally resonate with this so much cuz I’m always calculating my paycheck before I get it 😩
facts !
People who make money think they can out earn their stupidity. You have a good head, you will recover.
Thank you so much ! On the Road to recovery ❤️🩹
my brother is a nurse in cali..and he makes alot of money..and drives luxury new vehicles and toys and luxury vacations...and is always broke!
Yup ! Exactly my point !
What? How is that possible. He spends all of it every month?
I literally don’t get it😂😂😂😂 my bills are super cheap and Im debt free in Jan. 2025🎉🎉🎉🎉🎉🎉🤑🤑🤑 I only work part time
@@ericcarson342California is expensive
I notice this with Black and Filipino nurses. We both (for the most part) come from impoverished backgrounds and as soon as the money starts rolling in we want the trinkets of luxury.
esp blacks
@@adrian3747_you just had to come and type that
I gave up trying to impress anyone and started being ok with what I had. That’s when things turned around is every way. Wanting of any kind leads to misery.
That’s deep appreciate that perspective brother!
That part!
I work with nurses the past 20 years. So tired of hearing about their trips and vacations and ordering lunch from expensive restaurants. If they’re broke I don’t feel sorry for them. Also, nurses always make bad choices in men.
Yea it’s better for them to be married before they bcom nurses or go to nursing school. Day 1s supporters are better than after nursing school men.
They always end up with gigolos
@@oyato1Nope they need to establish themselves first before they get with a useless man.
@@sabrinagonzales4456 not useless to begin with
Omg, you are so right! I was a nurse for many years before retiring & yes, soooo many of my co-workers were with useless, jobless men! And they spent ever cent of their paychecks to buy clothes, jewelry, cars & cruises! It’s so true about nurse culture!
Construction workers have it wayyyyyyy worst lol a trip lol they buy 100k trucks lmaoooo
Every nurse I met had a new Tesla 😂
A Bunch of Elon musk 🤣😂
@@fritzgabriel1995😂
@@Rjisawake Dude my lyft driver is ICU nurse he had telsa 😂
You can get a Tesla for 250 a month
Teslas are no longer expensive like that anymore
I know a RN traveling like this but they live AT HOME WITH THEIR FAMILY. I also knew another but she had 3 Nursing jobs. Look at folks circumstances before you envy their lives. I know another that didn’t let the $10,000 during COVID go to her head and invested all year while making those checks. Move wisely. God Bless our ICU nurses. Find a way to de-stress without the expenses.
Thanks for the honesty! FOMO is a real thing. I have been a nurse 30 years. It seems the answer to a lot of financial issues is always " I'll just pick up a shift". Unfortunately
That is so true ! That’s actually a good point “I’ll just pick up a shift”. Next episode lol
Been a nurse for 29 years….as a younger nurse there were times I bought into FOMO (that wasn’t a term back then…it was basically still just KUWJ keeping up with the Joneses 😂
But years later I realized I had to drop some shopaholic friends 🛍 and more years later realized that most debt 💸 is dumb!
Now older and a little wiser
Have absolutely no FOMO WHATSOEVER.
Don’t care what others are doing. They have their life and I have mine.
Not usually the right alternative you also gotta think about keeping that body together post nursing career and old age. Can’t always just be picking up a shift. Manage wat u have made wisely so that body can stay and elevate to Myb NP or CRNA ( a lot of standing as well… can’t be picking up shifts all the time)
@@oyato1not a nurse but I could “ easily” get out of debt faster working in my field on the side. Lately I’ve been literally screaming at ppl that my mental will suffer if I do that. So I have to take the slow or alternate route. Ppl are like ur crazy, you could stack dough…and be on mental health leave within 3 mos lol
Words are powerful! Broke has never been in my vocabulary! My money just hasn't caught up to me yet! Money has always found me! I'm abundant. Change your words. You have what you say. You are what you say! 💚
Me too
That’s so true thank you 🙏🏾
I have been a Lpn for 30 yrs and own my 240K house and over 120K in a CD. Both my trucks are paid off, I don’t like owning people, my credit score is 835. I am retired Army nurse E8 and got another 4 yrs to retire from my state nursing job and which I plan to stop working for good. . I do have a masters degree in teaching, but works as a nurse. I only work 11 months a yr and vacation all of July every year.
I make 65K a yr and my retirement check is 52K a yr. I can live off 2K a month since I have no bills, well my grand kids do hit me up for birthday gifts and Christmas gifts. I do take my 4 grown daughters/ their husbands/ baby daddy and grand kids on vacations every 2 yrs to Florida.
Oh wow !!! This is Inspiration I might have to put you on a podcast interview 👀
*female energy work environment*
Nurses always tryna top eachother who eat what = low self esteem = dispising one another
*Male work environment*
Mechanics be buy food and eat together one dish =save money = better bonding
Exactly , they care about who eating what, pocket watching each other to see what she used with her money, who getting they hair done first, who got the best clothes, how they living outside of work, how somebody spent they money over the weekend, and some woman fall into that peer pressure to compete.
Salute.
I still got my 2016 hyundai elantra with 170k miles. Had it for 6 yrs and debt free
Your a smart man ! I’d rather drive your car then a 2024 Mercedes with payments any day!
@fritzgabriel1995 maybe next yr I get a new like a kia or something but im chillin
I'm still driving my 2016 Toyota Camry that has been paid off since 2022. I'm working on paying off my home. I earn six figures and live like I make $50k. I deleted all forms of social media 5 years ago, with the exception of CZcams. Life couldn't be sweeter.
My mom was a 30-year career nurse. She was in debt at age 57 but managed to get out of it and do pretty well for herself by the time she retired at 67.
You are so funny… and thank you for being so real! It is rough out here in these nursing streets. We work so hard and believe we deserve to have and experience nice things. I’m glad you saw it for what it is FOMO. Blessings
Thank you so much I really appreciate that !
Your mom is definitely an inspiration!! Praise God. You have a really good role model in your life 🙏🏾💫🙌🏾
I’m just an lvn and never been a travel nurse. 2020 I bought 10 acres of land off savings, paid of my car then visited my home country after 10 years here. We have 5 teenagers and our meals are home cooked 97% all year round. As an immigrant I don’t understand how people can’t save money because for us we have to support our families back home and multiple extended families. I was once kicked out with my 2 year old and 8months pregnant. From that experience I vowed never to have less than 10k emergency fund.
Wow!! That is a solid story and advice thank you for sharing I am making the same vows now too !
Nurses make good money and because we can work overtime anytime we don’t care and will spend spend.
Nurses need to take a financial class in school
Damn! Being broke is the worst feeling. I hope to never be broke again. Oh, you 29 you good.
I can relate and I promised myself to never be broke again
Awesome a male nurse! My wife and I are 60 y/o I'm a retired firefighter from NJ with a pension. We always worked she will retire at 62 y/o. Two incomes living in NYC are much needed your wife could work P/T from home or Grandmom/caregiver could help. We have saved for 30 years. I would skip the 529 plan max your Roth 401 with target date funds set & forget it. We have always been frugal, not cheap. My daughter is 32 y/o married and has been a nurse for 7 years in med-surg/ICU at Jax Mayo. My son just turned 28 y/o still at home and finished nursing 1 & 2 pray he will graduate in the Spring 2025!
Best all inclusive advice ever! I can't agree with you more, 529's are expensive, the Roth is the best. Congrats to your daughter and kudos to your son. He is going to do just fine. 😊
Hi quick question, how did you pay for your kids college? Just asking since you advised skipping 529 plans
@@christinarach340 We did have about $750000 total in 529 plans for two. Because 529 plans may decrease financial aid. Plus my son is 28 y/o lives at home and works P/T at T Mobile he qualified for the Fed Pell Grant for Fall & Spring Nursing. However, most FA advisors recommend a 6-12 months emergency fund first, then you want your Roths to be fat as a thick until max, then pretax accounts 403,401,457. We learn this after the fact. We always stayed out of debt only a mortgage now debt-free since 2021.
@@christinarach340 We were fortunate for both of us to work. Nursing is the best return on educational investment money can buy! Plus nursing is so flexible you could work from home, and live anywhere around the world it's crazy the human capital being created.
This Dec I WILL BE DEBT FREE AND I CANT WAIT ,, BABIEZZZZ 💅🏽
During Covid I was stacking up but I saw a lot of other travel nurses balling out of control. They even had a nurse on social media named the luxury nurse who showed her very lavish lifestyle. Those 10k week checks went to a lot of our heads
This part
I agree. I’m watching nurses with Stanley’s and wearing figs scrubs. All I thought is, I could do that too but Al my money is going into my retirement account. We live debt free ( well my husband just bought a used car but we have the money in savings and if he gets tired of car payments he can just stroke a check and pay it off). I prioritize my retirement and being able to not work above all else.
That’s what I’m talking about !! That is super dope the mindset you and your husband have !!!You go girl !!! Welcome to the family and can’t wait to go on this journey with you 💫
There are people, including nurses, who are just not responsible with their money. I’ve been a nurse for over 40 years. I bought my first property at 23, paid it off then bought and paid off my next property and have had a passive source on income for over 30 years. I’ve always been very intentional with my hard worked income . Because of that I can work part time and still take three vacations a year. Work hard, play harder
Goals 🗣️ praise God
I am glad you had a honest conversation with yourself. Don't judge your insides by other people's outsides!
Thank you so much I appreciate that !
Had a relationship with a nurse. She was crazy. Every nurse I have known is crazy. They make great money and most I know are in debt and bitter.
YES!!!! Same here ... like, oh my gawd!
Their complaints - I be like, Really! That's what you are worried or upset about! Get out of here with that ...
@@SB-tc2jr I get that they are stressed, but they come out of the gate stressed. I don't know how many women I have told at work places, that act like b*tches for no reason; At least you aren't roofing a house in july, at least you are in air conditioning, at least your life isn't on the line being a coal miner ect ect. It is like explaining something to a child.
@@RemoWilliams-jg4yb Ya! And they seem to live in a nursing hub or bubble - out of touch with the rest of the world. They seem to be desensitized. Out of touch with reality - I guess that's how they cope.
You're weird
I have cousins who are nurses and they definitely are angry. Part of the reason is that they hate their jobs, but it pays enough for them to not want to change careers.
You'll NEVER EVER keep up with or beat women spending money
A man with hobbies will.
@@Yummy2u😂OMG SO TRUE!!
Why is that so funny..😅
Not true at all.
@@Yummy2u😂Exactly
I see the financial foolishness that these others partake in, and I REFUSE to live my life trying to impress people I don't know, or don't like me.
You make too much money to have nothing to show for it.
Secure the bag, homie 💪🏾
You blamed everybody but yourself.
My best friend she is a nurse, she got a large increase on pay, she bought an $80,000 car, on top of the five year old car she still paying. She never has money to pay for little things and living pay check to pay check.
My mother has been through hell for a year and a half.. God Bless our nurses!! Nurses do so much more than Dr’s.. God bless them all!! Ty for all your time, and your dedication to your patients!!
Thank you so much on behalf of all the nurses we really appreciate that 🙏🏾❤️
Like a new car. Everyone driving around with New vehicles and i still have my old one with over 100k miles. I stood strong and did not fall for buying a new car and kept my car, so i fully understand what you are talking about. They all can laugh at me, i don't care and do not need a next bill. Stay strong.
LOOK AT YOU BOO!
Many say, "The more you have the more you spend," but people can be so dumb that they still spend too much and can't afford it. If you can't afford a vacation, you can't go. If you can't afford a new car, don't buy new. If you can't afford a house, don't buy a house. If you can't afford to have a kid or kids, don't have kids. The list goes on. It ain't that hard to understand.
I absolutely loved this video!! Your vulnerability will help me in this next part of my journey. Many Blessings to you and your family🙏🏽
I’m not a nurse. But this video really spoke to me. I’ve been struggling with the same issues. I really appreciate your raw honesty and relatability. Definitely one of the best videos I’ve come across on this platform. Good luck on your journey to financial freedom!
This is the realist video I seen all week!!! I was weak when you said I’m going to Afghanistan, because earlier this year I went on a solo trip to Afghanistan 😂😂😂😂 I’m a traveling Respiratory Therapist and I totally understand about over spending and not budgeting. I had to chill for awhile to get myself together.
I’m so glad you can relate ! Thank you so much for watching sis ! 🙏🏾
New nurse subbie
Im hollering at this vid 😂😂😂
You're 100% correct. Hopefully we live and learn! I don't follow FOMO and want no parts of it!
Keep striving 💪🏾 with the new found mindset you can get far!
Thank you for the Subbie sis 🙏🏾❤️
I got to subscribe!!! This video was extremely transparent, true and hilarious!!😂 Describes most of the Nurses, especially the RNs that I work with!
New subbie here! I love your realness and transparency😂 I understand oh to well what FOMO feels like. I too spent many years in school and just lifing to where once I elevated I wanted to do EVERYTHING, all at once... and I'm paying for it now😕. I am almost embarrassed at how frivolously I have spent. My husband and I are taking our kids to Nickelodeon Resort in Punta Cana next month. My son who has no concept of money has been dying to go for awhile now. This is IT! When we get back we are buckling down. And I mean alllll the way down. I plan on making the other half of this year count.
Omg I was about to go to Nickelodeon resort to but they sold old ! Look at God 😂 yes time to lock in 🙏🏾
Been an RN for 20 years.. paid off house, no DEBTS, driving my 19 year old car. I now work part time.. because DEBTS are paid off.. life is good.. my coworkers working EXTRA, picking up EXTRA shifts😥
I love how transparent you are and yes as a nurse you are on point!!
I like the honesty. Starting to sound like a grown man now. Good stuff. God bless you and your family!
I appreciate that! Thank you 🙏🏾
Thanks for your honesty. You were funny but you delivered the message loud and clear. God bless you and your family ❤
Thank you! You too! 🙏🏾💫
Congrats on the baby. It seems like you know what to do and I’m sure you’ll get back ahead.
Thank you so much my brother i appreciate you !
Love the transparency…lessons learned🙏🏾💪🏾
This video was right on time!! Thank you!!
I’m going to DR tomorrow and I couldn’t imagine still paying for the trip upon returning
I enjoyed your video! Subscribed to follow. I have been in Nursing for 28 yr. I’m a Nurse Practitioner the last 14 yr. It is true the more you make, the more you can spend ……then the economy tanks so when you thought finally you can get ahead…and nope!
I decided last month to give it a try at starting my own CZcams channel. I’ve seen so many that make a good side income with CZcams. My goal is 6 months to monetization.
You got this !!!🙌🏾🙌🏾
Love this video young man great head on your shoulders! As a single mom to two teenagers I’ve paid my car off..focus on ONE major vacay per year..now I’m focusing in on owning my own home ❤
Ayyy congratulations on paying off your car !!! And you will definitely be a future home owner !!! Thank you so much for the support 🙌🏾
@@fritzgabriel1995 Most welcome and thank you ❤️🙏🏾
True story. I work 3rd shift at a hospital here in Atlanta. I was on the medicine floor when I heard the male charge nurse say he was “looking for a sugar daddy”.😂😂
Me too or hardworking loyal fun husband with good income…..
😂😂😂
Just discovered your channel. I appreciate your candor.
Nawww I’m thriving!!!! I get a little kick from seeing my other peers think I’m struggling whilst they are actually struggling. Frugality is key!!!!!!
28 year retired nurse here. I was in my early 40s before I realized I wasn’t saving enough money. I’ve been using the Dave Ramsey’s Financial Peace program. I am debt free & I can’t explain how freeing that feeling is. 🌺
The total money make over is such a life changing book ! So Glad to have you here to inspire us and know we gonna all get there too one day 🙏🏾
I love your honesty bruh. God will replace all that has been lost.
that hit hard man. God bless you family.
Yeah my husband and I are nurses and we did the same thing. We went on a trip to Jamaica and went broke. We’re on our debt free financial journey again
Ayyyy so glad someone can relate !!! Listen you guys are going to get out of it! This journey we might take step backs but as long as we keep moving forward!! You guys got this !!!
Seems like a lot of younger folks are forfeiting their futures for menial pleasures, as if they won't live past the age of 40... its scary
Look around… many people aren’t even making it to 40
Can you blame them though countries all over them world are failing due to corrupt politicians nuclear war seems enebidle I wouldn't even be surprised if our banking system crashes in this generation might as well spend your money and enjoy yourself I say even young men are checking out on society
@@Jetlife904 yup true. And a lot of that is honestly due to drug & alcohol use and just overall bad health habits.
@@Jetlife904 well they say was supposed to live longer
Many don’t make it past 50.. lost a nurse friend who just graduated as np. All that studying and working extra shifts and died around 36yo
Thank you for sharing this 🙏🏾
Appreciate you for watching 🙏🏾💫
He ain’t lying. My ex best friend was a nurse who drove two BMWs granted they were not brand new, but she got it apartment in downtown Atlanta on top of that. It was always out of money. I think, regardless of the profession our generation is just built on keeping up with the Joneses. I’m in my 30s and I already have six figures in my 401(k), but at the same time is hard to keep a good savings on hand where I can just go to the bank and take out what I need and make decent money
Yes. Live and learn. Just don't keep making the same mistakes. Thanks for being real and sharing to help others.
Thanks for sharing! And ya you gotta tighten up! I would cancel the trips and get my money back fr, feel the pain of dumb decisions and learn from them 💯
This is where people are going wrong. If you have not analyze the world you live in, we all need to . We are living in inflated times. Living rich is so NOT trips and material, school teachers and other occupations do this as well. You can be rich in life by doing the simple things. I racked up in some discount and hotel rewards ❤no shame in it and paid months in advance for not much at all. I vacation during off season when most people are 😂 working. Its cheaper IJS and I have no shame in it. Slow down, don't follow others, create your own memories.
You got this brother. The most important step is realizing that you made a mistake. A lot of people still live that social media "dream" life. Eventually, it catches up.
Being honest about one's self is a huge problem. Most people are sabotaging themselves without even knowing it. Keep up the great content! "Don't count on money that you don't have" 👀
Thank you brother 👊🏾
Sadly this is with every profession 😔 I made horrible money decisions when I was in my 20s and I’m still paying for it now. I would urge any young person to work as much as possible, buy a decent house below your budget and a car and keep it for as long as possible. Save save save!!!
Thanks for sharing this man. It is very true. As a RN, I feel I was spending everything I made. I haven’t done anything lavish but I was just spending everything I made, utilizing a lot of credit, and helping family with their financial issues. I have been working on decreasing my CC debt. I went from $24K CC to 9K and have 50K in student loans (from private school) and 25K left on my auto loan (Honda). It’s been a struggle but slowly I’m changing my financial habits. The problem I have was not learning how to budget and using credit. I don’t have to keep up with the trends. I want to start keeping my money too as a nurse. I’m a work in progress. To the nurses in the struggle, we have to be wise with our money and change if not we will be broke when we retire and throughout our career. Good luck to everyone coming out of debt.😢
Hey I’m so proud of you from going from 24k to 9K. It takes a lot to even admit your mistakes you got this family we’re on this journey together 👊🏾
I have been a nurse and now NP since 2007. My Camry 2000 but my through LPN, RN, BSN and NP schools and degrees till I bought and paid within-in-year my never use 4Runner SUV. Over the years while I was even a CNA, I have witnessed nurses living unnecessarily lavish lifestyle and never had time to enjoy the things they bought. It is not worth. Be yourself and live a simple life. I do not believe in working 2 full time jobs forever. Been there and not anymore more
Don’t beat yourself up to much about missed opportunities. Wife and baby are healthy and blessed to have you as their leader. Accountability pressure will make you feel like everything must have training wheels or guard rails. Look back over your pictures because your family may needed that reset with you. Congratulations on your debt free journey.
Thank you so much brother 🙏🏾
Live simply and frugal. I'm speaking from experience. My husband's a Chemical Engineer and we spent lavishly for too long. Yes we have money saved but we could have had a lot more saved and you WILL need it in your golden years. Please heed my advice; you'll thank me for it later.
It's called in my day, 🛑 keeping up w/the Joneses on any level... You live & you learn... At least you lived & learned REAL QUICK & DIDN'T KEEP up w/the Goofy Joneses!
You are young and will recover. Be blessed
It's called keeping up with the Jones. A big no, no. When I got rid of my credit cards and lived within my means, I was able to save a ton of money.
That’s my problem too… calculating shit before it hit my account 😂
😂😂😆
THANKS for your Transparency & you're not the only one who has made financial blunders, so have I as a nurse! I also, have become very disciplined with my social media usage. Watch out for the power of social media pulls that will only cause you to lose focus of your goals. Social Media in itself is not "all bad"---We just have to be disciplined & stand firm, even if it means pulling back or even eliminating some social media outlet---We each have to be True to ourselves & make that determination!
Seriously takes a lot of discipline to use social media now and days !
I’m a nurse who has learned to keep her 2016 Honda CRV and most of the docs I work with drive very modest cars (Subaru, Honda, Toyotas, etc), but the nurses… they drive luxury baby!
Don't worry about it. Enjoy your trips. Next time book 2 or 3 trips in a year. We all go overboard so don't stress. By the way, you're gonna do it again in your lifetime. It's just life. We're all gonna die and none of this will matter.
Yes!!!! At the end of the day I wanna feel like I lived if my life drastically change tomorrow.
but not without emergency fund. You’re dumb!
Good reminder to live for yourself, not others! I have gotten into the habit of asking myself who is this for.. is it for me or is this someone else’s expectation in my head
Or when it comes to buying stuff, I ask myself am I actually going to use this consistently
It helps me a lot when it comes to not over spending
You are slick hilarious! I love the realness
This! Always trying to show off n for what? People are grown adults still trying to “shit on the haters” lmao 😂 and end up living check to check & drowning in debt 💸…. Again I know ppl that make double & triple what I make at my job and they are always STRUGGLING ?! Make it make sense!!!!! Stop living for others & start living for yourself! For your kids, for your family!
Say that again for the people in the back facts !🗣️🗣️
It takes real honestly and realness with yourself to make this video. 👏👏
Thank you 🙏🏾 a come to Jesus moment recorded live 😂😂
I'm a Nurse as well MSN, FNP, RN. and when I graduated from school for the first four years every check was dedicated to student loan and I'm cleared as of 2017. I've learned through our my career that the Jones aren't me and I'm not them. I've budgeted and invested well and I don't have children but I'm married and he's in the medical field as well. Our income is strong together and we diversified well. We both went to a financial advisor and strategically implemented a family plan that's effective and sustainable. Living in NYC is very expensive and the financial struggles are real. Good luck to you Brotha...💯
I realized you can still have a happy life. I just learned to set budget aside for fun things. Whatever I don’t use I carryover the next month budget.
Great video and Great advice! Thanks.
I understand, you don't want to pay the price for living a LIFE. On the other hand, you could be the cheap guy in the room who saves all his money with no relationship and no kids, which you probably wouldn't be able to withstand. No one wants to be the cheap guy, but you want to be more like him to maximize your economic potential and growth. Money isn't everything. You're doing fine for yourself. It's different for everyone. For me, I am the cheap guy in the room, because naturally I'm ASIAN and an INTROVERT - I really don't have an inherent strong sense of urgency to have children and FOMO/YOLO out on life to begin with. Know your personality type. At the end of the day, you are who you are.
Thanks for the video and honesty
Appreciate you for watching 🙏🏾💫
Mannnnnn this is the REALEST Video EVER!!!
Appreciate you, Fritz.
The unit is ccrrraazzzyy
I heard the rates going down tremendously for traveling nurses and for us Nurse's assistants