START HERE - Hitting Zero: Your Path to Financial Security & a Debt-Free Life Course Intro
Step 1: Map out your personal finance goals
Step 2 - Understanding your debt
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Intro - Importance of Understanding Your Debt + What Does Your Debt Consist Of? (1:21)
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How to Use the Hitting Zero Debt Calculator (10:29)
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Hitting Zero Debt Calculator Recap + Tips (2:01)
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Download a Credit Monitoring App (0:45)
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How to Use Your Credit Monitoring (4:30)
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Credit Monitoring App Recap + Tips (1:31)
Step 3 - How to budget, increase income, and cut back on expenses
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Intro (0:59)
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The Purpose of a Budget (1:17)
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Cash Flow (1:22)
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Using the Hitting Zero Budget Calculator - Part 1 (9:10)
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Using the Hitting Zero Budget Calculator - Part 2 (9:45)
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Importantance of Cutting Back on Expenses (1:20)
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Needs vs Wants (3:16)
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Increasing Your Income (3:01)
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How to Increase Your Income (3:01)
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Final Thoughts on Cutting Expenses + Maximizing Income (0:31)
Step 4 - How to eliminate your debt
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Intro - Debt Payoff Methods **MUST WATCH** (3:56)
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Debt Snowball Method (6:32)
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Debt Avalanche Method (3:55)
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Intro to Loans (1:20)
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Personal Loan (4:49)
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True Consolidation Loan Explained (3:31)
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Secured Loan (2:42)
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Why Payday Loans are Bad (don't do it) (4:01)
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Intro to Homeowner Options (0:40)
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Home Equity Loan (4:12)
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HELOC (4:47)
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Cash-Out Refinance (3:10)
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Intro to Retirement Account Options (0:36)
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401k Loan (6:08)
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Why a 401k Hardship Withdrawal is Not Ideal (7:32)
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Roth IRA Contributions (4:18)
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Debt Snowball Method Using IRA Contributions (4:00)
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IRA Withdrawal for Educational Expenses (4:04)
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Credit Card Balance Transfers (8:04)
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Whole Life Insurance Loan (3:58)
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Intro to Student Loan Options (2:04)
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Student Loan Refinancing (6:17)
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Where to Refi Your Student Loans (2:44)
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SAVE Program for Student Loans - Overview (4:50)
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SAVE Program for Student Loans - Interest Benefit (1:52)
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SAVE Program for Student Loans - Spousal Income (0:55)
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SAVE Program for Student Loans - Eligibility (3:43)
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SAVE Program for Student Loans - Additional Benefits (2:33)
Step 5 - Begin your debt-free journey
Step 6 - Think differently about money and start investing
Tips/Faqs
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What happens if I only make minimum payments on my credit cards?
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What's the difference between credit card and loan interest?
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Should I borrow money from a family member or friend?
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You mentioned low-cost index. What are they and how do I invest?
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Should I trade options?
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Should I use margin when investing?
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How can I start investing for my kids?
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I need a new car - should I buy new or used?
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Why does it seem like everyone is doing so much better than me?
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What credit cards should I use for a balance transfer?
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Where can I find FREE stuff?
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How much of a down payment should I make?
