Bailey Grady | Debt Confessions @baileygradyshow
Started my first business at 15. True stories of debt & financial wins. No get rich quick schemes, real lessons to help you win with money. youtube.com/@baileygrady Joined March 2023-
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Traveling the world on a credit card is insane
I took out $100k from my credit card. 1% upfront fee. 0% interest. 1-year term. Then I put $100k into BTC paying 59.65% annually. I will take the free $59,000.
@vitahli i appreciate that feedback greatly! Working on delivery better and better ways to present the content! appreciate your support watching!
@thepatwalls Would love to check this out youtube.com/@baileygrady?s…
The worst way to pay for a vacation...
the worst decision ever🤦♂️
"all my money goes to Ubers"
*pays for an onlyfans account but doesn't payoff credit card debt*
@DecadeInvestor Just go 100% into SPXL and VGT can only end well right?
If you received $1,000,000 what would you do to create passive income?
@indexnforgetit Live on less than you make and invest the difference 📝
Debt payments are consuming you
@Budgetdog_ Let's go 👏
@FiSavvy Budget and invest
@FluentInFinance Bed early 9pm, set the alarm and gym first thing
@SFR_Investor @rlloken 2 year treasuries on $300k doesn't yield $15k to cover the entire mortgage after 30% taxes....if you know some 7% treasuries let me know
He get back $15,600 a year in cash flow. Meaning he would have to generate 5.2% a year + 30% tax = 7.4% interest per year to cover the entirety of the mortgage (principal + interest) or 4.64% for just the interest portion. Are there ways to generate higher returns out there? Yes. Are they risk free? No. If this is 100% of his liquidity with no emergency fund, not smart, but if you have the liquidity to pay $300k off I'd assume there is other cash else where. $15k a year that can go to living and enjoying life!
I wish I knew this 10 years ago... your 20's are the best 10 years of compound growth you'll ever have here's an example: If you start at 20, put $250 a month into an account at 7% growth per year - you will have $598,905.34 by the time you're 60. If you start at 30, put $250 a month into an account at 7% growth per year - you will have $283,382.36 by the time you're 60. See the difference those 10 years make? (images below show difference of an average of 5,7,9% YoY compound growth) Even if someone sat little jimbo down at 20, showed me how to open an account and said: "just put 10% of what you earn in here and you'll be laughing" but I didn't have any direction or guidance I'm only REALLY learning a lot about finance and investing now, and felt the need to share. 7% return is conservative for the S&P500 too. Plus there are a bunch of other tax-free ways to invest part of your earnings as well. Would highly recommend checking out @baileygradyshow @sircalebhammer and @DaveRamsey Sharing because I wish someone told me.
@DecadeInvestor But if you are investing and not spending the money you would be using to pay down the mortgage, in theory should not make a huge difference, the issue is when people spend everything and don't invest or pay it down
@DecadeInvestor with a 5.5% interest rate, you would need to return 7.3%+ a year after taxes which is very possible to happen over long period of time. But I would be hitting the main retirement accounts in 401ks with match and Roth and then start making headway on the loan.
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