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Hey Leila, I always enjoy your videos and really admire your focus. Keep up the amazing work! Is there any significance to the “eye” necklace you always wear? I love it by the way!

Happy Transfer Tuesday have safe 4th🇺🇸🎆

Hey Leila, I am self employed as well and really like your budget template would you be willing to update the old to look like this so i could use it as well. Or do you sell this particular one?

Fidelity fantastic - - your uninvested cash balance earns 5% automatically - - better than many CDs.... at other brokers you have to transfer to money market ... so yea fidelity is the goat...

Very true! Consistency over time is key!

Happy transfer tuesday

Hey, Leila... Happy Transfer Tuesday. I transfered $50 onto both of my savings accounts.🎉

what was that compound calculator you mentioned a while ago?

Not insensitive or bragging at all, Leila! You have worked so hard for years, building your business on the side while working a 9-5 . We're all cheering you on and I'm so glad to hear you are loving the self-employed life! You deserve it.

When I was spending so much money getting out of my consumer debt, I learned that discipline is the key to financial security. Now all I do is save more than I spend.

This woman is a unicorn...put a rock on that finger...

My husband and I “manage” separate accounts, but we work towards the same goal if that makes sense. He manages the daily operations, variable costs, out of his accounts while I manage our mortgage. They work out to be pretty equal amounts, if we have extras after, we do put towards the mortgage payoff. He manages his own retirement/investment accounts, and I manage my own, but we do discuss a game plan at the beginning of every year. We do have bi-weekly discussions to review our budget and portfolio performance. We also consolidate all of our accounts on an aggregator so we both see OUR full picture with full transparency.

I will even enjoy this type of video every week 🤍 I just love your money talking .

The hair, makeup and brows are the things I just can't give up due to my hair style, but recently found a cheaper way. Instead of going to a fancy alone I started going to a freelancer who does hair in her house at a fraction of the cost. I just get brows threaded but its only £6 so its not a huge cost for me and I only go once every few weeks and tweeze in between. I used to get my nails done all the time but completely gave up, such a waste of money for sure. I used to also get coffee everyday, I wasn't able to completely give this up so I limited it to just 3 to 4 times a week max, but then home cook all my food. With makeup I just buy once or twice a year in the sales, before I used to buy tons and not use most of it

I am from the UK as well, so this was super interesting. I have no debt either but also had similar issues with struggling between wants and needs. I have the same lifetime ISA which I am using for a house deposit, i have gotten a few thousands from the government so it is a great scheme. I plan on buying a house purchase, but have decided against the car and hence continue to drive my now 10 year old toyota, which was also my first car. i just pay buttloads in rent so can't afford to use money on a car

This kind of video like every other month keeps it fresh and casual, makes us know you a little more at a personal level. I like it ! Keep the good work ❤

I totally agree that in a relationship sharing the financial burden makes sense. My husband and I got married last year but we lived together for 6 years before that and shared expenses. After marriage, we have continued to work our finances similarly while combining certain elements. I strongly believe in financial independence, especially for women. It’s how my mom raised me. My dad is a medical doctor but my mother has always wanted her own money, even now in her 70s! Also about chipotle: the good thing about breaking our own financial rules from time to time is that it helps us remember why we made these rules in the first place, which is a kind of recommitment to our essential truth that is also valuable. Love your videos and content! ❤

Amen!

LOVE this for you!! I am hoping one day to be out of the corporate world too haha you are rocking it!!❤❤

This was a great true perspective, thank you.

Back in 2022 when btc was at its cycle low, people where saying btc is done for it's going below $15k US it's going to zero. Well it's down 10% from mid March ath 2024 and now everyone is shitting themselves. That doesn't make any logical sense especially for crypto.Its just a shake out phase, chill people go zoom out at old charts. We are at around 1.4 trillion market cap and only growing, just wait and see the price next year in March it will double....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Evelyn Infurna, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.

I agree about contributing to the mortgage, it's like paying rent and a lot of parents even charge their kids rent if they live with them as adults. I always kept my finances separate, while my parents have theirs all together. I suppose it's different with everyone but I would never want to have a joint account even with marriage.

Love the casual money chat and would love to see more of it! Me and my husband have separate finances for the most part. We both work, and he sends me money and I make sure all bills are paid. As for day to day expenses we have our own budgets but will pay for stuff casually while not keeping track of every cent. It works for us but I agree being on the same page is important

On the headache piece, I really recommend a neurologist. The medication for migraines have come on long way. I have Nurtec and Zembrace in my toolkit depending how bad it is.

Kennesaw state alum here, your vids are so inspiring. I look forward to this stage of my financial journey!

I am in the process of creating an online course and I wanted to create an easy, minimal budget sheet for the students. This was very easy, straight to the point, and helpful. I had a google sheet on the side walking through it with you. Thank you!

I really enjoyed the topics in this video! Your perspective on separate vs joint accounts was good. I've been married a long time and have had both joint and separate checking/savings accounts over the years. As a married couple, the most important thing is that there is communication about money, and this should really start before marriage. Some people are taught about money management growing up; others are not. And as you mentioned, disagreements about money can really become a problem in a relationship. I like having a joint account now. I manage all the finances for us, but we have established goals and trust each other, so there's no issue about my money vs his money. It's all our money. At the end of the day it's whatever works best for a couple as long as they are communicating well. But I agree on separate accounts if you're not married, and I think you're doing the right thing re: what you pay your boyfriend. Sorry this is so long. I really enjoy your channel!

Great video, Leila. You're hitting it out of the part, video after video. The amount of creative energy is flowing so freely from you! Bravo! When does your non-compete expire? If you wanted to be a consultant as a contract with a customer in your own business structure, would you? Would you like to do that possibly? I've wondered about that. I know it's time consuming to acquire the skills you did with SFDC and I'd hate to see you never use them again, if you wanted to. 🙂

Idk if you've done this yet but how about a video debunking common money myths or mistakes you see from your clients or people who follow you online?

Great video 😊❤😊

I appreciate the time stamps now, please keep them in your videos :)

Thanks for posting, Leila! I really needed to hear the part about money anxiety today specifically. This morning I logged into my retirement account and it said I had made a $35,000+ withdrawal this month, which I definitely did NOT do 😱😭 I immediately tried to call customer support, but Vanguard is closed until Monday. Until then, there’s nothing I can realistically do to investigate or fix the problem and I’m so stressed. However, instead of obsessing over things out of my control, I’m trying to focus on getting out of my head and improving my life in this moment. Yes, this kind of thing is incredibly stressful, but I have options like identity theft insurance and I’m sure Vanguard has insurance as well. It could also be a glitch on the website and totally fine tomorrow. So I don’t want to waste my whole day stressing out

Thanks for your input Leila! a suggestion for a discussion I’d say is how u viewed money growing up and how that’s impacted your finances as an adult🤓

Especially on the relationship front, completely agree. At the end of the day, the way a couple, married or not, handles their money is based on what works for them. The caveate being that it's both people's responsibility to know what's going on financially as a couple. Love these chats!

i love being self-employed its the best but i'm also not bragging either i'm just saying do what ever feels write to you and don't feel bad about what your doing and just keep working and maybe someday you will be self-employed as well

Love the video! I also like your stand on the relationship front with money. That says a lot about you as a person and that is refreshing.

How long is your non-compete for? You could start to do it after that ends if you wanted.

Loved your perspective 😊

I feel like income is never enough, although lifestyle creep is a think. I remember I used to earn only 27K just out of uni, now that would be unthinkable. Although the main thing was my rent was 600 at the time in a cheap run down town... now I live in a big city, plus with inflation its over 1100, plus parking costs as well as increased car insurance because of car break ins being common in this city. My income is much much higher, but I feel like everything just costs way more as well and I still continue to use most of my income....

Hi maam!, I am a really big fan of your content. I was hoping that I can apply in becoming your RUclips Shorts editor. I specialize in creating visuals for explainer videos, and your channel seem to be one of the best options. I can edit one of your future videos for free to show my capabilities as an editor and to see if my performance will meet your expectations. is there any way i can contact you if you’re interested?

My necessities are more than 50%… my rent and car park charges are already 50%, and then bills on top.

Great video again Leila! I normally watch your videos on my TV but watching today from my phone 😊. You’re such an inspiration. Love watching you navigate this newness as a full time entrepreneur. Hoping you exceed your $3500 rev goal this month!🎉🎉🎉

Best month ever...🎉 My birthday month as well. Lol

Thank you so much. The knowledge that you gave in this one video is heaven sent!

Hey Leila, I have a question, when you put payroll and distribution in your disposable income for the month, can you use both to pay the bills or only the distribution part? I guess so but just to clarify, would it mean you pay some things from your business account and some from your personal?

😭

Hi Leila! Great video. I was just wondering would you consider a non-corporate part time job to help relax any pressure on having to earn a certain amount through the business? Maybe even go back to doggy wash!? 😂❤

For unemployment tax you only pay on the first 8000.00 you make per year. I work in unemployment tax for the state of AL. So that is why it is decreasing! Thank you 🙏🏽 for your content!

I am 1 paycheck way from having a 200k invested/saved! My goal is to have 250k by April next year on my 30th bday.

1) No HSA account? 2) So can we max out the Roth even before year's end? 3) Can we max out the SEP too to make use of the money in the investment account?