#focusedspender #debtfreecommunity #personalfinance

The best thing about my finances on autopilot is that I can no longer "forget" to save or invest. Because, yes that is a thing! Once I get paid, a series of actions happen without me having to lift a finger, which ensures my money is getting to the right bank account, my bills are paid on time and my savings/investment accounts are flush. It's the only way I can imagine managing my money and I'll never go back to the manual way again.

Cash Flow 🛠🛠🛠
http://focusedspender.com/budget-tools

FREE GUIDE
***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page

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Are you new to investing and are looking for an investment app so you can save for your retirement, build wealth and boost your nest egg? In this video, I am sharing four beginner-friendly investment apps that are low-cost and easy to use. Now you no longer have any excuses not to invest because these apps do all the work for you. Answer a few questions, and you can get started today!

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Ready to try out these apps? Links are below (in no particular order)!

betterment.com/friend-referral-offer?referral_key=kamilahobrien
https://fundrise.sjv.io/focusedspender
https://m1finance.8bxp97.net/JgaYa
https://share.acorns.com/kami02

01:48 App #4
03:21 App #3
05:18 App #2
07:19 App #1

This week, the US government announced that the Social Security Trust Fund is estimated to be depleted by 2034. What they are reporting is that while you will get some benefits, it will be MUCH less than expected. So what this means it's time to take your retirement is in your hands. If not, retirement will not be the fun and relaxation that you expected. So what should you do? Well, today I'll share the two things you must do to secure your future!

https://www.ssa.gov/OACT/TR/2021/
https://www.cnbc.com/2021/09/01/social-security-funding-woes-put-pressure-on-congress-to-solve.html
https://www.cbsnews.com/news/social-security-benefits-reduction-2034-covid-pandemic/

FREE GUIDE
***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page

Budget 🛠🛠🛠

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#seedfipartner #seedfireview #focusedspender

This week, I am reviewing Seedfi, the financial health startup helping Americans build credit, save money, access funds, and plan for the future. Seedfi currently has two main plans - the Credit Builder Plan and the Borrow & Grow Plan, which was designed to tackle the issues of no to poor credit and low savings, with better credit and savings in the bank.

TRY SEEDFI
https://seedfi.sjv.io/focusedspender

Credit Builder Example Plan - https://www.seedfi.com/plans/credit-builder

Borrow & Grow Example Plan - https://www.seedfi.com/plans/borrow-and-grow

They currently offer loans in 33 states plus DC. You can get an up-to-date list of states here - https://www.seedfi.com/where-we-operate

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***Disclaimer***
Disclaimer: Opinions expressed in this video are mine. I am not providing financial advice. The information I provide may not apply directly to your individual situation. Please consult a qualified professional for financial advice. I may receive a commission when you click on the links in this video and get a SeedFi Plan. This helps support the channel and allows me to continue to make videos like this. Thank you for your support!

SeedFi Customers with fewer than three tradelines on their credit profile experienced an average increase to their Vantage 3.0 credit score from 579 to 624 (+45 points) after six months of on-time payments (data gathered from Dec'19 through Nov'20).
Loans and savings account provided by Cross River Bank, Member FDIC.

Example Credit Builder Plan: SeedFi charges $1 a month to access the Credit Builder Plan. In a typical Plan, at the end of one year the consumer would have paid $512 and would have $500 of savings. If you’re trying to shop or compare this against other credit builder loans that charge an interest rate, the $1 a month is equivalent to a 4.6% APR. SeedFi will provide the Credit Builder Plan for free after you’ve referred one friend.

Example Borrow & Grow Plan: For example, for a Borrow & Grow Plan where the consumer accesses $3,000 in cash now and placed $1,500 in savings, the Amount Financed would $4,500, the APR would be 19.99%, the Finance Charge would be $1,417, the Total of Payments would be $5,917, the Payment Schedule would be 73 biweekly payments of $80 and one final payment of $77, and the payment schedule would span 34 months.

Are you struggling with balancing your financial health and managing self-care?
It's a struggle that many people face. You may want to prioritize spending all of your money on getting out of debt or investing, but sometimes you need to take a break and just use your money for extra help or a massage! In this video, I will share some thoughts on how you can find a better balance in your life.

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Sinking funds are a GREAT way to help you reach your financial goals. It is CRAZY how many people miss out on all the fun and spontaneity just because they don't know what sinking funds are, or how to use them! Be sure to check out my sinking fund's video that will show you how to use these funds to help you meet all of your financial goals.

VIDEO - https://youtu.be/vX2Vpnx7wNQ
***FREE SINKING FUNDS TEMPLATE***
https://focused-spender.ck.page/572ebee653

***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page

Budget 🛠🛠🛠

www.focusedspender.com/budget-tools

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#focusedspender #m1finance #investing

Get $50 if you use the Portfolio link to sign up through Sept. 7, 2021
Portfolio #1 - https://m1.finance/-M3lyu4u2sc2
Portfolio #2 - https://m1.finance/HmrqEfueEhIZ

Sign Up for M1 Finance - https://m1finance.8bxp97.net/JgaYa (Affiliate Link)

~~Free Guide~~
14 Questions You Must Ask Yourself Before Your Next Investment -
https://focused-spender.ck.page/14questions

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~~~Investment disclaimer~~~
All investment strategies and investments involve the risk of loss. Nothing contained in this video should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit.

#personalfinance #dividendinvesting #stocks

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As a beginner investor, or even a seasoned one, you might be confused about where you should focus your investments. Do you focus on growth stocks or dividend stocks for passive income? There is so much chatter on which one is best and today I’ll be helping you decide. This video will discuss what dividend and growth stocks are, the pros and cons of each, and how to decide which type of stocks you should focus your portfolio on.

Mutual Funds mentioned in this video -
Vanguard Dividend Growth (VDIGX)
SPDR S&P Dividend ETF (SDY)
T. Rowe Price Dividend Growth (PRDGX)
Vanguard Dividend Appreciation (VIG)/(VDADX)

Budget 🛠🛠🛠

www.focusedspender.com/budget-tools

⭐️⭐️⭐️Connect With Me⭐️⭐️⭐️

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Disclaimer: I am NOT a financial advisor, and nothing I say is meant to be a recommendation to buy or sell any financial instrument. My channel is meant for entertainment purposes only. I will NEVER ask you to send me money to trade for you. Please report any suspicious emails or fake social media profiles claiming to be me. Don't invest money you can't afford to lose. There are no guarantees or certainties in trading or investing.

Are you “frugaling" yourself into the poor house? Sometimes going the cheap route will end up costing your money in the long run. In this video, I'm going through the 10 money-saving attempts that are costing you money according to The Penny Hoarder.

Save 70% on your car insurance, get a free quote from Cover : https://app.cover.com/focusedspender

***FREE SINKING FUNDS TEMPLATE***
https://focused-spender.ck.page/572ebee653

***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page

Budget 🛠🛠🛠

www.focusedspender.com/budget-tools

⭐️⭐️⭐️Connect With Me⭐️⭐️⭐️

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Carver Federal Savings bank, one of America's oldest and largest black-owned financial institutions has seen its stock price jump 136% in the past five days despite the fact that no major headlines about the company have been released. So what's causing this crazy spike? Short answer - Reddit. Meaning it's well on its way to becoming a Meme stock. But should you bet on it? Or should you bet on ANY Meme stocks?

Sign Up for M1 Finance - https://m1finance.8bxp97.net/JgaYa (Affiliate Link)

My $15/Week M1 Finance Invest Results After 1 Year! The Winners and Losers!! - https://youtu.be/4lsGUSvo0Ts

I Invested $500 on M1 Finance - Tour, Pros & Cons, Do I Recommend - https://youtu.be/Ru1x8bFE6Ek

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~~~Investment disclaimer~~~
All investment strategies and investments involve the risk of loss. Nothing contained in this video should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit.

Is 50/50 fair in a relationship? When does it make sense for one person making significantly more than the other to take up the slack? Let me know your thoughts in the comments!

Link to tweet - https://twitter.com/AITA_reddit/status/1409476751307194368

Save 70% on your car insurance, get a free quote from Cover : https://app.cover.com/focusedspender

***FREE SINKING FUNDS TEMPLATE***
https://focused-spender.ck.page/572ebee653

***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page

Budget Tools
www.focusedspender.com/budget-tools

Connect With Me -

Website - www.focusedspender.com
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