Joshua Erabu

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📍 REALTOR & YOUTUBER đŸŽ„ YouTube 14K+ | 425K+ Views

Everything real estate and personal finance related!

Member Since OCTOBER 12, 2021
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Social Audience 116K
joshuaerabu 175K Last Month Last 3 Months
  • Posts 5 14
  • Engagement Rate 0.5% 11.5%
  • Sponsored Posts 3 4
  • Sponsored Engagement Rate 0.2% 0.2%
  • Avg Likes 786 19K
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Highlights

↓ This makes learning about money easier Staying up to date with finance news, changes, and articles takes time and the resources you’re learning from are often confusing. With AI Assistant (beta) in @adobeacrobat, you can quickly summarize PDFs like stock earnings, articles on investing, and anything else you can think of. Plus you can engage in conversation to get even more answers. AI Assistant makes learning about money easy and you can check it out with the link in my bio! #AdobePartner #productivity #productivitytips #personalfinance

↓ You’ll be surprised to know
 that only 34% of Americans can pass a basic financial literacy quiz. THIRTY FOUR!
that’s pretty bad 😬 But even worse, only 44% of Americans can afford a $1,000 emergency without going into debt. So I took it upon myself to make my own “financial fitness” quiz to measure how well you’re managing your money. Comment “QUIZ” to take the free quiz and get a financial fitness score from 0-100 + a free bonus download.

↓ I’ve got two questions for you
 1. Do you think you’re smarter than Bob? Comment “QUIZ” and I’ll dm you a quiz to test how financially fit you are 👀 2. Was Bob the a hole?? Let me know in the comments! #aita #reddit #personalfinance

↓ What school didn’t teach you
 Moving out of your parent’s house requires planning ahead and good credit. With @stepmobile, you can start building credit early, simply by using the Step card on your purchases. Having a good credit score can help you qualify for an apartment and even save money on your security deposit. On top of that, Step’s Visa card Step has no interest or monthly fees and you’ll even get cash back on your spending. Download the Step app and use the code “JOSH5” to get $5 for free when you sign up! Terms and conditions at step.com/disclosures  #StepPartner #buildingcredit #creditscoresmatter #financialfreedom #cashbackcard

↓ This tool will speed up your workflow I often get asked how I stay productive and make the most of my time as a business owner and content creator. A huge portion of my day goes towards researching and scripting my videos so I found a way to streamline that process with @adobeacrobat #AdobePartner Their new AI Assistant (beta) lets me quickly research finance topics, summarize long documents, engage in conversation, & it provides answers with sources cited from within the document. Having AI Assistant is a huge time saver and you can check it out with the link in my bio! #productivity #productivitytips

↓ Proof that the racial wealth gap doesn’t exist
 Is something you WON’T find on this page lmao. Especially not on #blackhistorymonth !! I wanted to shed some light on just one of the many systemic practices that have prevented black people from building generational wealth. And while things are definitely much better now than they were in the past, the effects are still all around us. But whether you’re black, white, asian, hispanic, low income or high income, educated or uneducated, learning financial literacy is an absolute necessity. #blackhistorymonth #money #personalfinance

A typical day in my life
 DOES NOT start before 4am lmao. And I’m not at the $50K mark
YET. Don’t believe everything you see on social media. Stop comparing yourself to other people and just enjoy the path you’re on. Inspired by: @eileenlifts

↓ Oh and one more thing
 Having good money habits will outweigh having a six figure income every single time. Because wealth isn’t about how much you make. It’s about how much you keep. Developing good money habits will help you build wealth at any income level and the thing is, they’re not hard to learn. The first habit you absolutely need to learn is tracking your expenses because everything else revolves around that. Once you know where your money is going, you can cut back your expenses and use the extra money to build wealth by saving, investing, or paying off debt. I can’t emphasize enough just how important this is. I’ve talked to so many six figure earners in their 20s who are still struggling financially because they aren’t in touch with their spending.

↑ Here’s proof you’re doing just fine in your 20s Concept inspired by: @brandongrogan1

↓ 3 things over $500 I don’t regret buying in 2023 There’s a few expensive purchases I made last year that I would 100% make again because they either saved me time, increased my productivity, or bettered my life. 1. Robo Vac: I got the Roomba j7+ and it’s been a huge timesaver on cleaning bc any time I leave the apartment, I come back to a clean space. You can see it on the floor in the first few seconds of this video. 2. Ultrawide monitor: I got the LG 40inch 5k monitor and with all the extra screen space I can edit faster and multitask more efficiently. 3. A personal trainer. I paid for a 16 week program with a nutrition plan and 3x weekly workouts with a trainer and it was probably the best money I ever spent. I lost 20 pounds and gained a lot of clarity and energy back. Shout out to @davis.terry75 & @megaflexclt Honorable mention: a quality chef’s knife. I was able to fit all these into my budget by tracking my expenses and setting aside money for larger expenses.

↓ 9 different jobs to learn one lesson
 There’s one major lesson I took away from all the different jobs & side hustles I tried before finding one that stuck. Here it is: You need to put just as much time, if not more time, towards learning to increase your income vs learning more about saving. We focus so much on learning how to save a couple dollars here and there but if you used some of your time to learn a skill or side hustle that would make you an extra $500-$2k a month, then those little expenses wouldn’t matter as much. So what should you do? Try dedicating a small portion of your budget this year towards education. That could be going back to school to get a higher paying career, it could be enrolling in classes for a specific certification, you could buy courses and coaching to learn a side hustle, or something else entirely. Over the last few years I’ve spent almost $30K on various coaching programs and courses to help build out my business & they’ve paid for themselves 10x over. But where do you get the money to invest in yourself? Well odds are you already have the money, you just need to find out where it’s all going. Start by tracking your expenses and find areas you can cut back. There’s always something that’s taking up more money than you thought.

↓ Here’s how much YOU need To calculate your early retirement number, try out this formula for yourself to see how much you’d need invested based on your expenses! 1. Add up your monthly expenses 2. Multiply by 12 to find your annual expenses 3. Take your annual expenses times 25 to find your financial freedom number 4. Make a plan to reach your financial freedom number by a certain age (If you think you’re going to be spending more than you are now in retirement, then base your monthly expenses on what you expect to be spending in retirement.) It’s pretty easy when you look at it like this. But reaching your financial freedom number will require you to be diligent with your investing. So if you’re ready to start investing and want some free stocks
 Comment “FREE” and I’ll dm you a link to get 6 free stocks when you sign up with my favorite investing platform Webull and deposit as little as a penny! Webull has been my main investing app for 3 years now because it’s simple to use and it’s free. They’re running a promotion right now where you’ll open an account, deposit any amount, and get 6 free stocks valued up to $3k each! Inspired by: @seanoulashin

↓ This is EXACTLY
 How I built a six figure net worth and a $250K/yr income by 22 (starting in debt & without being a financial genius) (that’s before taxes and expenses for transparency sake 😎) A FINANCIAL PLAN. And no, not the kind with a bunch of confusing graphs. 💀 And definitely nothing that required me to do any hard math lmao. I’m talking about a simple financial plan that I created myself that lays out my current situation, my goals, and an action plan to hit those goals. I don’t share numbers to brag. I share because I want you to know what is possible. I want you to see that 3 years ago I was $13K in debt, had awful spending habits, and I was barely making enough money working construction & retail. BUT LET ME TELL YOU, when you realize that learning about money isn’t rocket science and you learn to get in touch with your finances, the sky’s the limit. Now how can you learn how to save, invest, increase your income, and build a financial plan?? 📚 Comment “ENROLL” below and I’ll send you the link to grab a spot in the pre-order of my financial literacy course called Money Made Easy for 80% off the final price! You’ll work alongside me as we build the course together to fit your needs. And when the entire course is complete, you’ll have learned the ins and outs of personal finance and built a complete financial plan using the included homework. 👀 There’s only 83 spots left


Use @PlynkInvest to turn gift cards into money to invest! #PlynkInvest #DigitalBrokerageServices #personalfinance #investing #paidad

↓ I can’t believe I’m admitting this but
 In the past two years I became so focused on chasing money and building my business that I completely abandoned my health. I put on over 50 lbs and it started to take a huge toll on my health, my work, and my general energy about life. I always had the mindset that I could worry about my health later but take it from me, it catches up to you and it sucks lmao I’m down 20 pounds now and if I could go back two years, this is what I’d tell myself: 1. The money you’re chasing right now will be meaningless when you’re too unhealthy to enjoy it 2. It’s not hard to fit exercise and a proper diet into your daily routine while still hitting your goals. I’ve been going to the gym 5x/wk now for over 4 months and I’ve dialed up the work in my business and there’s still time left over! 3. Take it one step at a time. If you’re overweight you’ll probably give up easier if you try to fix everything at once. Just start to committing to the gym a couple times a week, then work on your diet, then work on your flexibility, and so forth. I usually talk about personal finance but if you’d like me to share more about what I learn on my fitness journey, let me know in the comments!

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