// posted on 2.2.22 the angel numbers want you to know this is a sign to be in alignment with your finances

In this video, I’ll be taking you through my twentythreeyearold payday routine and how I break down my paycheck. Also a little extra "budget with me" video towards the end. Disclaimer I am in no way shape or form a financial advisor, & I'm barely scratching the surface, but want to share my knowledge so far with all of you.

Drop any money tips that you have for me below! #paydayroutine #beginnerfinances



0:00 Intro
01:06 My accounts
03:42 Step 1: Reviewing my bank account
04:45 Step 2: Tracking my expenses with every dollar
06:22 Step 3: Pay off debt
06:58 Bonus: Budget with me for February 2022
09:57 Resources



Vocab:
Roth 401(k): is an employersponsored investment savings account that allows employees to save for retirement with aftertax money
Roth IRA: is an individual retirement account (IRA) that allows qualified withdrawals on a taxfree basis if certain conditions are satisfied.
APY: The annual percentage yield (APY) is the real rate of return earned on an investment, taking into account the effect of compounding interest.

Recommended Finance Resources:
✨ YouTube Channels: Carter Sullivan (inspo for this video), Elena Taber, Andre Jikh, Graham Stephan
✨ Podcasts: So Money with Farnoosh Torbi and Money Please
✨ Books: I Will Teach You to be Rich by Ramit Sethi, next read Think & Grow Rich by Napoleon Hill

Sites mentioned:
Ally Bank https://www.ally.com/bank/
Robinhood https://join.robinhood.com/krystag210
UserTesting https://www.usertesting.com/

all stats mentioned in the video are as of Jan 30, 2022

socials ~
Instagram:   / krysstaal_  

about me ~
hiii i'm krystal, and new to YouTube!! i love eating (way too much), traveling, DIY's, fitness, cooking, and everything in between… so if you enjoy lifestyle content, maybe we can be friends?? in my early twenties, living in socal, and still figuring out what the hell I'm supposed to be doing… but I have a dog, so he makes me feel like i'm doing something right (his name is harlow ~ @air.harlow on ig shameless plug).

anyways thank you so much for being here, i appreciate you if you got this far in the description, and if you take anything away from this remember that no one has it figured out.