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Mel Ngo
เข้าร่วมเมื่อ 1 ต.ค. 2011
Hi I'm Mel, I'm an ex-data scientist who left the corporate world to pursue a career in music. Might seem like an odd transition, but the reason I'm able to even do this is because of how I set myself up financially.
I'm consistently seeking ways to optimize aspects of my life (where it makes sense to do so). This usually manifests in the form of seeking outsized returns in investments, strengthening personal finance skills, finding great deals, etc.
I'm here to share lessons and/or skills I've learned along the way in hopes that you can live the life that you want to live!
I'm consistently seeking ways to optimize aspects of my life (where it makes sense to do so). This usually manifests in the form of seeking outsized returns in investments, strengthening personal finance skills, finding great deals, etc.
I'm here to share lessons and/or skills I've learned along the way in hopes that you can live the life that you want to live!
11 Things You Should Stop Buying If You Wanna Be Rich
Are your everyday spending habits unknowingly sabotaging your long-term wealth potential? In this video, I reveal the top 11 routine expenses you need to eliminate if growing your net worth is a priority. Adopting a more mindful, intentional approach to your everyday spending is crucial for achieving financial independence and creating lasting prosperity. By avoiding these 11 innocuous yet pervasive expenses, you'll be able to supercharge your savings rate, increase your investment contributions, and accelerate your journey to true wealth.
Don't let these sneaky, seemingly harmless costs continue draining your hard-earned dollars. Implement the strategies outlined in this video, and start optimizing your finances for maximum wealth-building impact. Discover the spending traps to sidestep, the budgeting hacks to leverage, and the money-saving tips to embrace in order to set yourself up for lifelong financial security and abundance.
00:07 - Food Delivery
01:09 - Lunch Everyday
02:03 - Subscriptions
03:12 - Luxury Items
03:40 - Clothing Subsets
05:24 - Transportation
06:33 - New Furniture
07:51 - Coffee
09:04 - Alcohol
10:48 - Unnecessary Groceries
12:41 - New Electronics
Don't let these sneaky, seemingly harmless costs continue draining your hard-earned dollars. Implement the strategies outlined in this video, and start optimizing your finances for maximum wealth-building impact. Discover the spending traps to sidestep, the budgeting hacks to leverage, and the money-saving tips to embrace in order to set yourself up for lifelong financial security and abundance.
00:07 - Food Delivery
01:09 - Lunch Everyday
02:03 - Subscriptions
03:12 - Luxury Items
03:40 - Clothing Subsets
05:24 - Transportation
06:33 - New Furniture
07:51 - Coffee
09:04 - Alcohol
10:48 - Unnecessary Groceries
12:41 - New Electronics
มุมมอง: 78
วีดีโอ
This Underrated Card is a SECRET Weapon for Optimizing Travel
มุมมอง 6892 หลายเดือนก่อน
Discover the underdog travel card that's revolutionizing the travel game! This video reveals why popular airline credit cards might be overrated and introduces a hidden gem that could transform your travel experience. Whether you're a frequent flyer or occasional traveler, find out why this card deserves a spot in your wallet. Apply for the United Explorer here: tinyurl.com/3dyfhjp2 0:00 Intro ...
How I Fly For FREE In The U.S. (and you can too)
มุมมอง 2143 หลายเดือนก่อน
Ever wondered how to fly around the U.S. for free? In this video, I’ll reveal my secrets for achieving budget travel and enjoying incredible travel perks using the best travel credit cards available. I’ve been exploring the country without spending a dime on flights. Want to know how? It’s all about mastering the Chase ecosystem and maximizing Chase points. With the right points strategy and sm...
RIGHT NOW is a KEY Time to Invest in Crypto (Summer 2024)
มุมมอง 954 หลายเดือนก่อน
In this video, we explore why as of June 2024, we are in a pivotal moment in crypto history. Learn how you can capitalize on it. We'll cover: - Why crypto offers unprecedented potential for rapid wealth growth - Key market indicators suggesting we're at the start of a new bull run - Analysis of Bitcoin's halving cycles and price predictions - How to invest safely and manage risk in the volatile...
Why I Left My Six-Figure Job: 4 Eye-Opening Realizations
มุมมอง 3184 หลายเดือนก่อน
Have you ever felt completely unfulfilled at your corporate job, despite having a great salary and perks? I was making a six-figure income as a data scientist, yet I couldn't shake this feeling of apathy and lack of motivation. In this candid video, I share the 4 eye-opening realizations that made me decide to walk away from the corporate world. If you've been craving more fulfillment and purpo...
NEVER Buy A New Macbook - Do This Instead!
มุมมอง 1004 หลายเดือนก่อน
Want to score an amazing deal on a used or refurbished laptop? This video is your ultimate guide! I'll show you the best places to look for killer deals on gently used MacBooks, including Swappa, Facebook Marketplace, Craigslist, eBay, and Amazon. You'll learn tips for evaluating listings, vetting sellers, checking battery health metrics, and negotiating prices. Follow along as I break down my ...
How I Took Over A Year Off In The Most Expensive City in the USA
มุมมอง 3425 หลายเดือนก่อน
Ever dream of taking a break from work to explore new horizons? I did just that by moving to New York City, the most expensive city in the United States, without any income for over a year. In this video, I share the 6 key strategies that made this possible for me. Moving to NYC with no income was both exciting and terrifying. By implementing these strategies, I bought myself the time and finan...
Invest In the Entire Stock Market (VTI vs. VTSAX)
มุมมอง 885 หลายเดือนก่อน
Trying to decide between investing in the Vanguard Total Stock Market ETF (VTI) or the Vanguard Total Stock Market Index Fund Investor Shares (VTSAX)? Both give you low-cost exposure to the entire U.S. stock market, but they have some key differences. In this video, we break down VTI vs VTSAX to help you determine which total market index fund is the better choice for your portfolio. You'll lea...
How to AVOID Getting Addicted to Crypto
มุมมอง 6415 หลายเดือนก่อน
Do you find yourself obsessively checking crypto charts and news, spending hours upon hours researching new projects and chasing the next moonshot? If crypto has slowly but surely taken over your life, you're not alone. In this video, we'll dive deep into the reasons why crypto is so incredibly addictive - from the insane volatility and potential for life-changing gains, to the innovative tech ...
How to Choose a Credit Card Like a Pro
มุมมอง 656 หลายเดือนก่อน
Learn how to choose the right credit card by following two cardinal rules and considering rewards/benefits, fees, sign-up bonuses, and credit score requirements. Understand points vs cash-back systems, navigate common fees like annual fees, and leverage lucrative sign-up bonuses (like transferring points for free flights).
I tried real estate wholesaling for 9 months and learned THIS
มุมมอง 446 หลายเดือนก่อน
Sharing my experience with real estate wholesaling over the past 9 months. My aim is to be as unbiased as possible, so if you are considering getting into wholesaling I hope I can help make that decision easier for you. I will walk through choosing a market, on market vs off market, the wholesaling business model, and the reality of being a real estate wholesaler.
STOP Paying Taxes: Why You Need A Roth IRA
มุมมอง 296 หลายเดือนก่อน
Ready to stop losing money to taxes? Discover the power of Roth IRAs in this must-watch video. Learn the basics, pros, and cons, and how to sign up with top brokerage firms like Fidelity, Charles Schwab, or E*TRADE. Get insider tips on maximizing gains and tax-free growth. Whether you're a seasoned investor or just starting out, this video will empower you to secure your financial future. Watch...
Unlock Financial Freedom With This Powerful Concept
มุมมอง 427 หลายเดือนก่อน
Unlock the ultimate key to building wealth by understanding compound interest. In this video, discover how this financial catalyst can turbocharge your savings and pave the way to financial freedom. You don't wanna miss out on this essential tool for long-term wealth building.
Perfection is the enemy of progress
มุมมอง 338 หลายเดือนก่อน
Hi, my name is Mel Ngo and this is the first video on my channel. I'm uploading this to serve as a starting point on my TH-cam journey. Also to act as a reminder in the future of how far I've come since the beginning.
damn no love for the spritz??
Do a video with $1000 into VTSAX for 30 years
that's a great idea, will add this to the list!
😍😍😍
the step-by-step is really helpful, going to try the system out for sure
I'm a Quest guy myself
an awesome card for sure, annual fee may be high for some who just want the perks!
GOOD LOOKS
you got it!
If you're interested in applying for the card in the video, you can do that here: tinyurl.com/3dyfhjp2
These are great, thanks for sharing these tips!
glad you found it helpful!!
Dude this is such a good video and what a lot of us are feeling these days. I appreciate you making this video and I relate to everything you have described. I am glad you got to find this out early. The only difference is, I have not found what I want to do and its kind of late to experiment now as I am 38.
Appreciate you leaving a comment Adam. Age is a tough concept for us humans to grapple with but I genuinely believe that it plays less of a role compared to what you actually spend your time on, when considering your own happiness and mental health. If you have the means to sustain yourself (or can set yourself up to do so) while experimenting, there's no reason you can't make a career pivot in your 30s or 40s. I hope you can explore this for yourself and find something you genuinely find fulfillment in!
lmao “blowing up my bank account…and my future”
😂 no lies told
great advice from the travel hack pro himself!
glad you found it helpful!
What’s your take on targets for solana and cardano please?
Bullish on Solana, Bearish on Cardano. Cardano is effectively a ghost chain as the usage metrics are extremely low relative to the rest of the industry. Not sure why it's still valued so high but I don't expect that to continue. Solana on the other hand has the highest usage metrics across all chains and has a clear use case in the future of crypto.
Do you have any recommendations for how to introduce crypto into an overall portfolio? In terms of how to think about allocation, etc. I'm also interested in learning more about altcoins if you end up making a future video on it. Thanks!
Hello, how to contact you for business inquiries?
Please email me at mngo.properties@gmail.com
Where do you think we are currently in this crypto market cycle?
great vid! thank you crypto king
thank you! glad you found it helpful
def been feeling some of this as well. thx for sharing
Good video bro
Thank you brotha!
whatre your thoughts on buying certified refurbished straight from Apple website?
definitely a solid option, the deals aren't as good straight from Apple, but if you have the budget for it Apple does a great job making sure their refurbished laptops are in A+ condition!
omg i needed this THANK YOU
glad you found it helpful!!
too late i'm already 50% invested in tron
inspired...maybe one day
This is super useful thank you!!
yoooo this is helpful thanks
the master of saving money 🙇♂
hahaha just trying to share the knowledge 👍
Nice video, dude! Watched it before 200 views, feel like it should be 200k at least!
Thank you for the kind comment! Appreciate it
insightful!
glad you thought so!
gonna need some of your tips for affordable activities in NY and recipes!
great idea! will add this to my ideas list for future videos
Good video!
Thank you!!
too late for me
brb gotta send this vid to my bf immediately lol
hahaha i'm sure many bfs out there could benefit from this video
So informative!!
👏👏👏
lol those 2 cardinal rules
😂 glad you liked them
I’m early in my career so this is super helpful. definitely gonna max out a Roth IRA this year. Thanks!
Glad it was helpful!
thanks for breaking it down!
you bet!
I’m still paying for flights out of pocket… so this was helpful, thanks for breaking it down!
No problem, happy you found this helpful!
Super helpful, thx! CCs for free travel sounds like a dream
It really is!
this is great! would love to see this info in a written guide as well
Noted!
Great info, thanks
Still trying to wrap my head around real estate. Sticking to index funds for now though
makes sense, can't go wrong with index funds for safe long term wealth building 👍🏽
arguably the best way to start building wealth early in your career
edits are clean af ngl ngo
fire first video
Excited to see where your channel goes!