PebHmong Discussion Forum
General Category => General Discussion => Topic started by: Kong Vang on November 04, 2020, 01:40:33 PM
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I have been following this guy for some time... he is the reason I am debt free. I have done all of these things and hope this helps you too.
1. Don’t try to tackle your biggest debt first. Instead start with your smallest debt and once paid off, use that money to tackle the next debt.
2. Don’t try to justify frivolous purchases. “I deserve it cause I worked too hard.” Be sensible on your spending.
3. Don’t buy a new car. Fun fact, a new car depreciates 10% the minute it leaves the sales lot. Buy used.
4. Don’t use credit card for what you can buy with cash. Credit interest will kill you and your budget.
5. Don’t spend when you can invest. Instead of spending your raise, add it to your 401k. It’s new money you will not miss it.
6. Don’t go to a fancy college. A degree is still a degree. I started at a city college then transferred to a state university. This saved me a boat load of cash.
7. Don’t splurge once you graduate. Stick to your budget.
8. Don’t give your kids allowances. Have they work part time so they understand the value of money.
9. Don’t buy an engagement ring from a jewelry store. Jewelry deprecates beyond belief and is cheaper on private sales.
10. Don’t try to get rich quickly. It’s a marathon not a sprint.
Thoughts?
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LOL
dave ramsey is okay.. if you wanna get out of debt
but investor like us, his advice is trash
1. always pay off the highest interest debt
2. spoil yourself sometimes
3. brand new car $20k at 0% interest... yeah i will go for this
used $15k car at 5% interest... about $17k
not alot difference, plus you be stress free from new warranty car
4. credit card is nice man, i earn $120 this year. great reward. you can earn $500 just for signing up and once you get the reward, quit
6. follow your dream and passion
7. always spoil yourself
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ramsey doesn't really help you with investment
he just help you get out of debt
i watch some of his clip on youtube
and all he talk about is just mutual fund
don't tell you the sticker symbol or anything
unlike ROCKBOY here
buy $VTI
if you just started out investing and hold forever
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dave ramesey
chris hogan and them cat
comes from the same mother
they don't really tell you what to do with your money
when it comes to investing
i listen and follow the late JOHN BOGLE
this old dude tell you what to buy
(https://www.justetf.com/images/news/john-bogle.jpg)
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Credit card is good, bro
You can earn alot of reward
They offer lots of freebies like roadside assistance, cellphones protection, price adjustment, etc..
Plus you build your credit history
For those big mortgage/car loan
OTHERWISE YOU GOING NEED ROCKBOY TO COME AND CO-SIGN
HAHAHAHA
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Dave's good to a certain extent. However, we need to tailor the advice of others to fit our need(s). I'm not sure which "baby step" this is but I'm almost mortgage free. I have no car payments but all 4 of my vehicles I purchased brand new. I have to splurge a little because I don't know when I'm going to die and if I were to die tomorrow not ever having experienced driving a brand new car among other things, I would be mad.
I don't believe in college right out of high school. I feel that as a society we over prescribed college only to have, historically speaking 1/3 of Americans with college degrees. Of that 1/3, roughly half are in careers pertaining to one's degree.
Again, like I have mentioned, I'm darn near or at a millionaire status. I think I'm doing pretty damn well for someone my age. I have cash on hand, stocks, real estate, a 401k, life insurance, vehicles, gold/jewelry, firearms (love my firearms), etc.
Given this, there is no reason/excuse a refugee such as myself can do all this and folks such as the Black community, Latino community, etc who complain about "systemic racism/oppression/inequalities" can't!
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I appreciate Dave because he's god fearing, gun wielding, and bleeds red aka a conservative! Per one of his latest podcast, some dumb bit.ch called and said, "well I thought when Obama came into office I would lose everything." Dave had to set her straight because presidential elections have very little bearing on the stock market. Now when it comes to firearms, that's a completely different story. Thank goodness I stock piled before what looks to be the Biden regime. ;D
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7 Baby Steps...
1. 1000 dollars, emergency fund.
2. Pay off all debts, small to largest except mortgage.
3. Fully funded emergency fund. 3-6 months of living expenses.
4. Invest 15% of your income.
5. Save/open College fund for your kids.
6. Pay off your home, mortgage should always be 15 years.
7. Build wealth and be generous with it.
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Dave's good to a certain extent. However, we need to tailor the advice of others to fit our need(s). I'm not sure which "baby step" this is but I'm almost mortgage free. I have no car payments but all 4 of my vehicles I purchased brand new. I have to splurge a little because I don't know when I'm going to die and if I were to die tomorrow not ever having experienced driving a brand new car among other things, I would be mad.
I don't believe in college right out of high school. I feel that as a society we over prescribed college only to have, historically speaking 1/3 of Americans with college degrees. Of that 1/3, roughly half are in careers pertaining to one's degree.
Again, like I have mentioned, I'm darn near or at a millionaire status. I think I'm doing pretty damn well for someone my age. I have cash on hand, stocks, real estate, a 401k, life insurance, vehicles, gold/jewelry, firearms (love my firearms), etc.
Given this, there is no reason/excuse a refugee such as myself can do all this and folks such as the Black community, Latino community, etc who complain about "systemic racism/oppression/inequalities" can't!
Damn dude show us some of your firearm
I like guns too, i think wayyy too much 20+ now
Hahaha
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7 Baby Steps...
1. 1000 dollars, emergency fund.
2. Pay off all debts, small to largest except mortgage.
3. Fully funded emergency fund. 3-6 months of living expenses.
4. Invest 15% of your income.
5. Save/open College fund for your kids.
6. Pay off your home, mortgage should always be 15 years.
7. Build wealth and be generous with it.
$1000 emergency fund???
You sure thats going last you 3-6 months.
At least $5k-10k
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$1000 emergency fund???
You sure thats going last you 3-6 months.
At least $5k-10k
See step #3
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See step #3
Ain’t they the same thing???
Also #5 Why??? What about the individual responsibiliti es you speak off
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Ain’t they the same thing???
Also #5 Why??? What about the individual responsibiliti es you speak off
Emergency fund vs Fully funded Emergency fund.
College tuition vs Living allowance.
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Damn dude show us some of your firearm
I like guns too, i think wayyy too much 20+ now
Hahaha
My everyday carry is a Sig P365 with a TLR-6 laser/light, a Hogue grip, two factory 10 rd magazines, and a 15 rd magazine that I spent 75 dollars on. The overall total, over 700 hundred dollars. My bedside firearm, a Remington model 870 pump action 12 ga. I only bought it for less than 300 bucks but I have a 16 inch tactical barrel on it with a Hogue pistol grip and forearm grip. I also have a 6 rd side saddle holder. I have several other rifles and shotguns but these two are my preferred firearms.
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My everyday carry is a Sig P365 with a TLR-6 laser/light, a Hogue grip, two factory 10 rd magazines, and a 15 rd magazine that I spent 75 dollars on. The overall total, over 700 hundred dollars. My bedside firearm, a Remington model 870 pump action 12 ga. I only bought it for less than 300 bucks but I have a 16 inch tactical barrel on it with a Hogue pistol grip and forearm grip. I also have a 6 rd side saddle holder. I have several other rifles and shotguns but these two are my preferred firearms.
I love guns
Show us some pictures, man
Go to gun show and stuff
Sometimes you can get cheap gun
Without background check in Wisconsin
I know crazzzzyyy
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I appreciate Dave because he's god fearing, gun wielding, and bleeds red aka a conservative! Per one of his latest podcast, some dumb bit.ch called and said, "well I thought when Obama came into office I would lose everything." Dave had to set her straight because presidential elections have very little bearing on the stock market. Now when it comes to firearms, that's a completely different story. Thank goodness I stock piled before what looks to be the Biden regime. ;D
interesting you should say that because Trump begged to differ. He thinks he built the greatest economy ever and the high stock market price was his doing. He brags about it daily. His cult believes him too.
The fire arms thing? Another one of Trumps scare tactic. I don’t know why so many people keep believing him when hes lied thousands of times already.
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interesting you should say that because Trump begged to differ. He thinks he built the greatest economy ever and the high stock market price was his doing. He brags about it daily. His cult believes him too.
The fire arms thing? Another one of Trumps scare tactic. I don’t know why so many people keep believing him when hes lied thousands of times already.
I'm certainly not a fan of Trump. At the same time he hasn't done anything to hurt me. That's why if he wins, I'm indifferent. I just hate how every time a liberal gets into office, my bullets become scarce all of a sudden. Are liberals to blame, not entirely? It's more or less gun companies because the left start talking about gun control.
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I'm certainly not a fan of Trump. At the same time he hasn't done anything to hurt me. That's why if he wins, I'm indifferent. I just hate how every time a liberal gets into office, my bullets become scarce all of a sudden. Are liberals to blame, not entirely? It's more or less gun companies because the left start talking about gun control.
bro...
i probably have over 100k round of ammo...various round and etc...
why ain't you stocking??? during the good time
i don't like to BS
so here some pictures
p=pebhmong
i like old military surplus rifle $50-100 (hahhaha)
these are all military surplus round... im fan of the ww2 military surplus rifle
(https://i.imgur.com/oP7RglO.jpg)
(https://i.imgur.com/UXJu956.jpg)
not my collection, but military surplus rifle is dirt cheap
they were giving them out for free with an AR15 purchase at my local gun store YMMV
it shoot pretty good man. straight
if you only have $50 buy these guns
hahaha
(https://laststandonzombieisland.files.wordpress.com/2013/04/surplus-rifles.png)
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plus early this spring
i told yall PHER to prep for guns
there's going be a shortage of it
got laugh at by the THEQUEEN
(https://i.imgur.com/iFSUL89.jpg)
(https://i.imgur.com/Wesih66.jpg)
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@ Hmgrock, nice. Pm me your email address and I'll send you pics with my name next to my guns. You can then post the pictures on here for me if you want.
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@ Hmgrock, nice. Pm me your email address and I'll send you pics with my name next to my guns. You can then post the pictures on here for me if you want.
Just posted it in here man
We are brother
Ain’t no one going come searching for you
Your buddy, THEQUEEN is fat and overweight
Plus he is MENTAL and can’t pass the background check
You don’t need to worry about him
My wife says i have too much gun
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@ Hmgrock, I hate having to create an account just to post pics.
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@ Hmgrock, I hate having to create an account just to post pics.
Just posted it here man
Ain’t no one on PH THESE DAYS
just the usual suspects
REPORTER has a nice shotgun pistol
He posted it here last time
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I’m good a building AR15 too
Let me know if you need help
And your budget
I can give you a few pointers
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<3 Dave Ramsey!
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@ Hmgrock, I hate having to create an account just to post pics.
i'm also a huge 22LR fan too
i have tons of ammo for it
probably have over 20++ boxes ammo
here's some of it
too lazy to stack up everything for photo op
p=pebhmong so you know im legit!!!!
(https://i.imgur.com/dHgtgwd.jpg)
i got a 10/22
but my favorite 22 is the marlin as shown in this pic
just a regular bushnell optic
it shot straight.... LOL i just love it.... i use it for cow and squirell hunting
(https://i.imgur.com/fHgV78h.jpg)
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I'm certainly not a fan of Trump.
Say what?? ???:
our money! Go Trump! Viva MAGA!
Either way, it's worthless now.. ;D
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plus early this spring
i told yall PHER to prep for guns
there's going be a shortage of it
got laugh at by the THEQUEEN
Just posted it in here man
We are brother
Ain’t no one going come searching for you
Your buddy, THEQUEEN is fat and overweight
Plus he is MENTAL and can’t pass the background check
You don’t need to worry about him
My wife says i have too much gun
And that is why you're "MENTAL" enough to called yourself "retarded" and gets called out left and right by neutral PH members for your "lies" ;D:
Call me retarded
I don’t believe his lies for a second
Therefore, next time you cry why is "PH is ganging up on" you, take a good look at your behaviors first.. O0
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i never like the guy
dude always trying to sell you his baby step BOOK
;D ;D ;D
he don't give out any financial advice at all
just tip on getting out of debt and CASH EVERYTHING
don't really count those
plus if you dig deeper into his personal life
the dude has been bankrupt....
you want advice from people who been bankrupt???
;D ;D ;D
https://www.newsweek.com/dave-ramseys-company-fired-12-employees-premarital-sex-1579557 (https://www.newsweek.com/dave-ramseys-company-fired-12-employees-premarital-sex-1579557)
Financial adviser and public personality Dave Ramsey reportedly disciplined at least a dozen former employees for engaging in premarital or extramarital sex, leading to their respective departures from his consulting company, Ramsey Solutions.
The Tennessee-based corporation is at the center of a federal lawsuit, originally brought by Caitlin O'Connor, a former administrative assistant who worked at Ramsey Solutions for years before her termination last June. O'Connor alleged that the company fired her because she was pregnant, as the decision came shortly after she requested paperwork for maternity leave.