Personal Finance
Saving, budgeting, debt, mortgages, pensions, taxes, financial independence and consumer rights across US, European and Dutch sources.
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This reading list brings together items from the sources selected for Personal Finance. Open each item at its original source for the complete article, episode or video. This is a selection of current coverage, not a complete archive.
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$650,000 In Gambling Debt And Not Concerned About It
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
Husband of 40 Years Has Secret Bank Accounts
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
How Do Couples Enforce Spending Limits?
For this all new Ask KT & Suze Anything, Suze answers your questions about getting out of debt, couples and spending limits, eldercare and so much more. Learn more about the Ultimate Scam Protection here: SuzeOrman.com WatchSuze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com
Stop Waiting for the Boulder: The First Red Flag Is Enough
This episode is brought to you by Redefining Wealth LIVE, Patrice Washington’s transformational virtual experience for women who are ready to stop chasing success at the expense of themselves and build wealth across every area of their lives. Join the waitlist at RedefiningWealthLive.com to be the first to know when registration opens and receive access to special opportunities reserved for the waitlist.
Classic Suze School: A Different Way To Think About Your Future
For this Classic Suze School, Suze teaches a lesson on a different way to think about your retirement accounts. What are the pros and cons of a 401k, versus an investment account? Get out your Suze notebooks, and make sure you know which is best for you. Learn more about the Ultimate Scam Protection here: SuzeOrman.com WatchSuze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs:
It’s Official: Americans Are Running Out Of Money
Download the FREE Upside App here https://yt.link/8xSk8ez and use code Graham25 to get an extra 25 cents back per gallon on your first tank of gas! Thank you Upside for sponsoring this video! Let's talk about why Americans are running out of money, the dangers to the economy, and what you can do moving forward - Enjoy! FOLLOW MY INVESTMENTS / STOCKS HERE: https://getblossom.onelink.me/SOfu/grahamstephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com AMERICANS ARE RUNNING OUT OF MONEY Major CEOs are warning that consumers are stretched thin, with even households earning around $100,000 beginning to shop more cautiously. Mortgage rates are above 7%, gasoline prices have surged, airfare is up sharply, and everyday costs across food, housing, insurance, and transportation continue to climb. EVERYDAY COSTS KEEP RISING New-car payments have hit record highs, used-car prices remain elevated, auto insurance and maintenance cost more, and fuel prices are up significantly. Housing is also more expensive, with higher rents, mortgage payments, utilities, and homeowners insurance. Food and travel costs have increased as well, meaning more of each paycheck is being consumed before discretionary spending even begins. WAGES AREN’T KEEPING UP WITH EVERYTHING Average wages have risen about 4.1%, but many of the largest household expenses are increasing at similar or faster rates. At the same time, borrowing costs for mortgages, credit cards, auto loans, and personal loans have risen, creating a cycle where consumers with less cash available must borrow at increasingly expensive rates. THE SAVINGS CUSHION IS DISAPPEARING The personal savings rate has fallen to roughly 3%, meaning the average household is setting aside very little for emergencies. About half of Americans reportedly cannot comfortably cover an unexpected $500 expense, while companies are seeing lower-income households dip into savings simply to maintain normal spending. THE ECON
Mortgage Rates Today, Wednesday, October 7: Pretty Stable
Kate Wood writes for NerdWallet. Email: kwood@nerdwallet.com. The article Mortgage Rates Today, Wednesday, October 7: Pretty Stable originally appeared on NerdWallet.
“We have 4 kids and nearly $1M in debt. Are we screwed?”
Rebecca and Matthew have been married for 16 years and have four children. They earn around $185,000 a year, but inconsistent income, mounting debt, and years of avoiding difficult money conversations have left them feeling overwhelmed and unsure about their future. Ramit Sethi digs into their numbers, their communication patterns, and the decisions they may need to make to finally regain control of their money.
Happy Money Book Club: Emotions, Mindset & Your FI Number
Your FI number is a calculation. "Enough" is a feeling. They're not the same thing—and confusing them keeps people working years past their actual financial independence. Ginger and Jillian Johnsrud unpack this crucial distinction while discussing Ken Honda's Happy Money, a book that frustrated both of them yet yielded surprising insights. Key Topics Discussed Introduction and Book Overview (00:00:00) Mixed reactions to Happy Money's structure and how to extract value from challenging reads.
Bad News and Really Great News
On this brand new Suze School, Suze talks about some major news that just broke about Medicare Advantage that you need to hear. Make sure you listen all the way to end for a really fantastic offer only for Suze listeners (that’s you!) Learn more about the Ultimate Scam Protection here: SuzeOrman.com WatchSuze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs:
Why Smart People Buy Cars They Can’t Afford
🚗 Buying your dream car feels a lot better when it doesn’t slow down your financial future. Join Road to $100K to build a personalized plan that helps you grow your wealth first, then spend with confidence: https://iwt.com/100k-yt “I can afford the monthly payment” is one of the most expensive sentences you can say. In this video, I react to real car buying mistakes and break down the hidden costs that turn a simple purchase into a long-term financial drag. The problem isn’t the car—it’s the math people never run. THIS VIDEO IS BROUGHT TO YOU BY ➡️ Facet | As of the date of this recording, Facet is waiving their enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” 🎟️ COME TO MY NEXT LIVE EVENT * Virtual and In-Person Events: https://iwt.com/events 🤳 CONNECT WITH RAMIT * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY VIDEOS https://youtube.com/user/ramitsethi/featured/ ⏩ CREATORS & CONTENT FEATURED IN THIS VIDEO → TheBeaverFamily https://www.tiktok.com/@lovebeav/video/7450632030389308718 → Marina Mogilko & Humphrey Yang https://www.tiktok.com/@humphreytalks/video/7322969856977128750 → Kee & Co. https://www.tiktok.com/@pricey.mami/video/7506233751316204842
Classic Suze School: Living a Life of No Regrets
In this Classic Suze School, we hear Suze talk about the things in life that cause us regret and outlines steps we can take to stop those behaviors and live a more fulfilling and secure life. Learn more about the Ultimate Scam Protection here: SuzeOrman.com WatchSuze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com
The Housing Market Is Completely F*d
Download Rocket Money and get a trial of Premium+ today at: https://RocketMoney.com/Graham | Let's discuss the bond market collapse, rising interest rates, and how this is going to affect the housing market - Enjoy! Add me on Instagram: GPStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com BOND MARKET COLLAPSE Mortgage rates have surged to roughly 7.5% while long-term Treasury yields are near their highest levels in more than 20 years. Because bond prices and yields move in opposite directions, rising yields mean investors are demanding significantly higher returns to lend money to the government. That matters because Treasury yields effectively set the baseline for mortgages, corporate debt, stocks, real estate, and almost every other asset. INFLATION AND OIL ARE PUSHING RATES HIGHER Inflation remains elevated while oil has moved back above $100 per barrel. At the same time, negotiations surrounding the Strait of Hormuz have broken down, creating the possibility of even higher energy prices. If oil stays elevated, inflation could remain stubborn, forcing the Federal Reserve to keep rates higher or potentially raise them further. THE GOVERNMENT DEBT PROBLEM The United States is running roughly $2 trillion annual deficits while constantly issuing new Treasury bonds to finance spending. The problem is that this new supply is hitting the market at the same time investors are demanding higher yields. Higher borrowing costs then increase government interest expense, which contributes to larger deficits and even more borrowing. HOUSING DEMAND IS BREAKING DOWN Higher mortgage rates are hitting transactions before prices. Mortgage applications have fallen toward levels not seen since the early 1990s, while Redfin reports 58% more sellers than buyers. In markets including Las Vegas, Miami, Houston, Orlando, and Nashville, there are more than two sellers for every buyer. Builders and sellers are increasingly using price cuts and conc
Will the AI Bubble Destroy our Retirement?
Wow, how about that stock market? It’s a phrase we keep having to dust off and use again, as the years go by and the market keeps surprising us. When it crashes, some of us worry because we see our retirement stash shrinking. But even when it rises to record levels and then to super-duper-crazy
When the "Strong One" Finally Accepts Support
This episode is brought to you by The Institute for Redefining Wealth™. Join me for a transformational experience designed to help you get off autopilot, reconnect with what you truly desire, and build a life that feels as good as it looks. Through the Six Pillars of Wealth™, you’ll uncover what’s out of alignment, redefine wealth on your own terms, and create a vision rooted in your values. If you’re ready to stop living by default and start building a life that truly reflects who you are, I’d love to welcome you inside the Institute.
“$0 Tax On ALL Profits!” - This NEW Housing Market Proposal Is INSANE
Go to https://surfshark.com/graham or use code GRAHAM at checkout to get 4 extra months of Surfshark VPN! | Let's talk about a potentially new new housing market proposal to remove capital gains tax, and the impact this would have across the entire housing market - Enjoy! Add me on Instagram: GPStephan Join The Mastermind: http://www.entertheindex.com/ START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com $0 TAX ON HOME SALE PROFITS? There are discussions around dramatically expanding the capital gains exclusion when Americans sell real estate, including the possibility of allowing homeowners to exclude as much as $1 million in profit. If something like this became law, it could have major consequences for homeowners, investors, buyers, sellers, and the entire housing market. THE CURRENT CAPITAL GAINS EXCLUSION Right now, homeowners can generally exclude up to $250,000 of capital gains when filing single, or $500,000 when married filing jointly, as long as they owned and lived in the property for at least two of the previous five years. Those limits were established in 1997 and have never been indexed to inflation, even as home prices have increased substantially. WHY THE $500,000 LIMIT MATTERS For longtime homeowners in expensive markets, the existing exclusion can leave a significant amount of appreciation subject to federal capital gains taxes. Simply adjusting the original $500,000 married exclusion for inflation would put it at roughly $1 million today. COULD INVESTMENT PROPERTIES QUALIFY? This is where the potential impact becomes much larger. Rental properties generally do not qualify for the primary residence exclusion unless the owner satisfies the residency requirements. If lawmakers ever extended a large capital gains exclusion to investment properties, millions of landlords could suddenly have a major financial incentive to sell. MILLIONS OF RENTALS COULD HIT THE MARKET There are roughly 49 million rental units througho
Ranking Money Habits 💰
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The True "Alpha Male" Test 💀
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Stop Waiting to Make Great Financial Decisions
On this brand new Suze School, Suze reviews what happened in the market last week, what the new Fed rate means for you and what you need to do now, so you can make great financial decisions. Learn more about the Ultimate Scam Protection here: SuzeOrman.com WatchSuze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com
Togi's Loan Shark Exposed 💀
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
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