Hi Friends 💖

✨ Today’s video is my 2025 financial reset! I wanted to walk through how Decembers finances went, and bring you along as I set up the new 2025 Ultimate Budget & Goal Tracker. I also walk through some common questions I have been getting for the new tracker. Hope you enjoy!

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✨ Timestamps:
0:00 – Intro
3:21 – December Budget Recap
19:57 – 2025 Budget Tracker Intro
20:34 – 2025 Budget Tracker Set-up
25:30 – 2025 Budget Bugs & How to Fix
26:56 – January Budget Set-up
34:27 – Outro

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✨ Tags: 2025 financial reset, 2025 financial goals, financial reset, 2024 finances, annual spending, how to be successful financially in 2025, financial literacy, personal finance journey, budgeting tips, financial independence, 2025 budget tracker, how to calculate net worth, financial goals, net worth tracker, budgeting for 2025, personal finance tips, reaching financial milestones, financial planning, money management, wealth building, tracking net worth, budget tracker, financial success. Ultrahuman, Ultrahuman Ring, Ring AIR, Etsy, Budget Tracker, Budget Spreadsheet, personal finance, reset for a new month, finance, organization, lifestyle, Vancouver, Canada
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The Airing CPAP device was a crowdfunding project on indiegogo that claimed to be the first hoseless micro cpap machine…but turns out it was all a scam.

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In this video, we need to talk about why you definitely want to avoid investing in Target Date Retirement Funds if you’re working towards Financial Independence.

All a target date fund is is an investment vehicle that automatically puts your money into a mix of stocks and bonds based on the year you plan to retire. Think of a target date retirement fund like a fund of funds because instead of directly holding individual stocks and bonds, they’ll just go out and buy different indexes that already hold those investments. As time goes on the fund will automatically adjust your stock and bond allocation as you move closer to the specified retirement date. This is sometimes referred to as a glide path because you’re most likely going to be investing differently when you’re 40 years from retirement compared to when you’re 5 years from retirement.

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Target Date Funds have become so popular over the years because they’re an extremely easy way to invest for retirement. All you have to do is choose the year you plan to retire then the fund will handle investing your money and change the allocation between stocks / bonds as you move closer to that date. Although it’s not difficult if you take the time to educate yourself, knowing what type of allocation to use can be a little overwhelming at first. I’ll admit that a TDF is helpful in this way.

401k providers have also started using a Target Date Retirement Fund as the default investment option if one of their employees doesn’t log into their account to set everything up. I suppose this is better than just having the money sit in the account without being invested.

While there are a few things that are good about a Target Date Fund, it’s definitely a sub-par investment option…especially for someone pursuing Financial Independence.

A couple of the downsides that we’ll touch on in more detail are:
1. Target Date Funds only take into account the end goal without knowing where an investor is currently at. If someone happens to be behind with their investing goals then this type of investment could turn out to hurt more than it helps.
2. The bond allocation for a target date retirement fund is too high in the younger years and rapidly increases way too quickly as time goes on.
3. More expensive than it needs to be. You’re paying a premium for an investment that doesn’t take into account your specific needs.
4. The worst investment to put into a taxable brokerage account

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Disclaimer: This video is for entertainment purposes only. Everyone’s situation is different so do your own research before making any decisions with your money. If you need help then contact a Certified Financial Fiduciary before trying anything that is mentioned in this video. I prefer a Fiduciary financial advisor that charges an hourly fee as opposed to an ongoing fee based on a % of your portfolio. Always remember that incentives determine the type of advice they give you so one that charges an hourly fee is less likely to be problematic.

Best Selling Author Kedma Ough chats Target Funding on Nationally Syndicated Daytime TV w Cyndi Edwards.

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🎥 WATCH NEXT:
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➡️ Unpaid Taxes – How Does The IRS Collect Past Due Taxes?: https://youtu.be/shNM8I8yEio
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➡️ S Corporation: Save Money on Self Employment Taxes: https://youtu.be/p_J7k17mh7M
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Disclaimers: The information provided on this channel should not be construed or relied on as professional advice for any specific fact or circumstance. This channel and its content are designed for entertainment and information purposes only. The content available is created to provide a general overview of a topic and is not a substitute for professional services. Always seek the advice of a finance or a legal professional that would take into account your specific circumstances. Opinions expressed are solely my own. Only publicly available information has been used.
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Thinking about coming to study a Master’s at UCL?

Here, some current Master’s students take you through what funding options are available.

All options in the video are described in more detail on the UCL website: https://www.ucl.ac.uk/students/funding/fund-your-studies/postgraduate-taught
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Hi all, its your treasured UCL PhD student explaining how to fund a PhD (main pathways). This includes: Research councils, Student finance (loans), University studentships, Charities and Industry funds.

My journey of what I applied for (6:50) is specific to psychiatry/psychology/neuroscience/mental health.

Comment below if you have any questions or ideas on what I should talk about next!

00:00 Intro
0:35 Research councils I applied for
0:49 Research councils summary
2:47 Student finance (loans) summary
3:16 University studentship summary
5:17 Charities and trusts summary
6:16 Industry funding summary
6:50 My funding journey
7:22 Conclusions

General funding options: https://www.findaphd.com/funding/guides/phd-funding-guide.aspx
Charity funding: https://www.findaphd.com/funding/guides/phd-funding-charities.aspx
Research council funding: https://www.findaphd.com/funding/guides/research-council-studentships.aspx

Instagram: https://www.instagram.com/ava_mason1/

#uclphd #phd #phdfund #studentloans #charities #howto #phdfunding #studentship #scholarship #researchassistant #psychology #psychiatry #kingscollegelondon #ucl ##mentalhealth #clinicalresearchexperience #researchexperience #academic #academia
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If you’re looking for USA Funding Applications reviews, then watch this video!
Let’s talk about USA Funding Applications and figure out whether this organization is legit or not.
So the first thing we should do is to check the website’s age and domain registration info. And according to what Whois Domaintool says, this website is very old, so it’s definitely legit and trusty.
I’ve already seen positive reviews about USA Funding Applications.
But also I found negative ones. The most complaints are about the fee that USA Funding Applications take from people for applying for grants.
But on the website it clearly says that if you don’t get funding, the fee of about 30 dollars will be immediately returned on your balance, so no worries here!
At this point, USA Funding Applications looks like a legit company that you can trust!
But if you have any complaints, you surely can write about it in the comments section! Positive reviews are also welcomed.
Thanks a lot for watching, for writing reviews in the comments section and goodbye!
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If you are planning on applying for masters in US, then this one is for you. In this video, we are not only taking about just one but two very fruitful ways of finding even 100% funding for your masters in US. So check it out and start applying before its too late!

Funding Masterclass Link – https://courses.scholarstrategy.com/courses/Funding-Workshop-for-MS-in-USA-62c72aec0cf281dd369e29bf

Save 00 on your MS Applications – https://youtu.be/tWuO7qSQZ14

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Scholar Strategy is run by Nistha Tripathi, MS CS from UIUC and MBA dropout from NYU. She is a bestselling author and speaker. Her content has reached 50 million+ viewers. For more details, visit https://scholarstrategy.com/ On this channel, we talk everything around careers and study abroad!

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Jung Hae-in, a friend of Ro Hong-chul
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