Personal Finance 101: Budgeting, Debt, Saving & Investing (Full Course)

📗 Printable Workbook: https://debt-over-it-workbook.subscribepage.io/

⬇️ All other resources mentioned ⬇️
Doc with more info on each: https://docs.google.com/document/d/1AZFdRvboe1DyWxX_18oWDWvWLVuT_ZGMhNHmM0vbv6E/edit?usp=sharing

Or all below:

Work with me 1:1/Financial Coaching: https://debtoverit.com/coaching
Join my community: https://www.skool.com/budget-build-1523/about

💲 Budgeting 💲

Google sheets (you’ll also get this if you got the workbook): https://subscribepage.io/VILOw8
Spending tracker: https://personalfiwithleila.etsy.com/listing/1614649286/expense-tracker-1-3-months-google-sheets
Lunchmoney app: https://www.lunchmoney.app/leila

💰 Reduce Expenses 💰

Mint Mobile: https://my.mintmobile.com/refer/u4SNpvd
Car insurance tool: https://secure.money.com/pr/ce1b14a95534

💳 Credit & Credit Building 💳

List of Balance Transfer cards: https://tinyurl.com/mtm6abt5
Credit Karma: https://www.creditkarma.com/
CITI pre-approval: https://online.citi.com/US/nga/cards/pre-qualify
Discover pre-approval: https://tinyurl.com/n3b3jme9
Capital One pre-approval: https://tinyurl.com/279238hb
TravelFreely: https://travelfreely.com/
Self Credit Building Loan: https://www.self.inc/refer/DIMCC1CD

💵 High-Yield Savings Accounts 💵

Marcus: https://www.marcus.com/share/LEI-VSR-SXB6
Wealthfront: https://www.wealthfront.com/c/affiliates/invited/AFFB-M2JQ-52LB-HM5Z
Crew (code LEILA): https://trycrew.com?referral_code=LEILA
Sofi: https://refer.sofi.com/c/4802566/2083783/25681?adcampaigngroup=bank&adnetwork=brand
Ally: https://www.ally.com/bank/online-savings-account/
Synchrony: https://tinyurl.com/maxk3tf6
Capital One: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/
Other options: https://secure.money.com/pr/pc067f75667b

💸 Investing 💸

Vanguard: https://investor.vanguard.com/
Fidelity: https://www.fidelity.com/
Investing tutorial videos: https://www.youtube.com/playlist?list=PLeNcZyHox1X4fVYNinmNAcGEZN3CADmFu
Goal tracker (Google Sheets): https://personalfiwithleila.etsy.com/listing/1386097120/financial-goal-tracker-google-sheets

🤑 Make money 🤑

Upside app (code debtoverit): https://upside.sjv.io/c/4802566/3371780/39811?param1=debtoverit
Account bonus guide: https://youtu.be/uwJxblDe1lI
Research groups: https://app.respondent.io/r/leilakartforosh-630287e13805

🌟 Financial Independence 🌟

Investment calculator: www.calculator.net
My fav FI Podcasts:
ChooseFI: https://choosefi.com/listen
Madfientist: https://www.madfientist.com/podcast/

My fav FI Blogs:
Mr. Money Mustache: https://www.mrmoneymustache.com/
Madfientist: https://www.madfientist.com/
Financial Samurai: https://www.financialsamurai.com/

⏰ Timestamps ⏰

DAY ONE
00:00 Intro
00:54 What you need
01:34 Phases
01:55 Phase 1: Awareness/Financial Snapshot
02:33 Your Debt
04:13 Finsing your interest rate
08:22 Your Assets
10:06 Your Net Worth
11:02 You Spending
14:05 Annual Planning
16:32 Employer Benefits & Paychecks
19:45 How to read your paychecks
24:50 Phase 2: Budget & Optimize
25:03 Rough budget
26:28 Detailed how to create a budget
44:09 Expense reduction
51:40 Tracking your spending
01:01:32 Debt pay off
01:02:26 Credit card debt
01:20:38 Student loans
01:22:44 Medical debt
01:24:03 Choosing a debt pay off plan
01:31:00 Set up autopay
01:32:00 Credit Score 101
01:39:48 Tips to increase your cedit score
01:47:31 Pay off debt or save?
01:47:52 Your savings
01:48:04 Your emergency fund
01:49:16 Sinking funds
01:52:16 High yield savings account
01:55:25 Auto-savings
01:57:52 Investing
02:00:22 Accounts to invest in
02:00:25 Employer sponsored plans
02:07:54 IRA
02:13:07 HSA
02:18:18 Taxable brokerage account
02:20:14 Where to invest (broker and funds)
02:24:22 My investments
02:25:33 Difference between index funds and ETFs
02:27:09 How to read a fund summary sheet
02:32:55 Investing key terms to look for
02:33:37 Target Date Funds
02:34:35 Important reminders with investing
02:36:18 Order of investing
02:38:03 Financial goals
02:40:14 Finalize budget
02:40:56 Stop leaks in your spending
02:42:31 Find Money/Increase your income
02:49:46 Organizing your money and building habits
02:53:01 Annually
02:55:51 Monthly
02:57:48 Weekly
02:59:35 Daily
03:03:00 Annual tracker
03:12:11 Financial independence
03:15:26 Investment calculations
03:17:52 25x Rule