Nate,.....the fact that you can talk for 13 minutes without saying ''you know, I mean, it's like, or um'' is unreal. Your speaking skills are spectacular.
It is indeed refreshing to see somebody this young actually speak like an intelligent being. I thought the new generation was a lost cause quite frankly, but now I have hope LOL
One of the reasons why I started this channel was to improve my speaking skills. I used to have issues with stuttering so it makes me happy to read comments like these. Thank you
@@lennyboel8994 say it 6 time in your head the exaxt same sentence, once you said it in your hrad 6 time say the same sentence for real. It will work do that 1 week. Trust me. Then say the sentence 5 times only... Do that 3-4 days. Then keep going like that same amkint of fays in a row but 4 time and 3 times in your mind etc... and soon you ll speak fluent non stop.
having said that, don't deprive yourself of important things in life. There is a fine balance where you can live below your means while still feeling great
I am 23 and from India. Due to my extravagant lifestyle, I created a big credit card debt and was confused as hell when I found your channel. And now I am paying off my debts one by one, had cut down all my expenses and started a minimalist life selling most of the things. I am very grateful to you Nate :)
Out of a lot of personal finance channels, yours is one of my favorites because you explain information in a clear manner. You don’t speak with a condescending attitude like a lot of personal finance experts
Nate - I can't believe you're only 21. You have so much knowledge and wisdom. I'm way, way older than you, however I enjoy your channel. Keep up the good work :)
@@NateOBrien dude....you have no idea how fast time flies. Wish I had your wisdom at your age. I am 48, post divorcee and 20K in debt with zero assets. Your videos are still inspiring me to dig myself out of this mess and start fresh. Cheers from a fan in Ottawa, Canada!
And after all that you might marry someone who isnt that smart with money. Marry an equally responsible person, or someone who is open to learn about it.
It has been almost a year since I started my first real job. I'm grateful that I had the initiative to learn about personal finance because like you said; most of us college graduates are totally clueless about managing money. Thanks for sharing your knowledge with us, Nate. I truly benefited from your videos.
That's why we are grateful that you always share this kind of contents for us to learn earlier and be financially independent after years of building our own portfolio.
Wise beyond your years. You're teaching things that people don't realize until they're much older. Even better is that what you preach aren't trends, but basics that will stand the test of time and will help build generational wealth. Your topics are varied but remain intertwined. Keep the great content coming - Thank you!!!
I agree with avoiding debt at all cost... we paid 70k in 14 months a couple years back right after college... in our 20s. The day I made the last student loan payment I felt like I could fly. The dark cloud over my head dissapeared and I could enjoy the sun and the blue sky. What a feeling!
There’s more than what meets the eye. Thinking binary will make you delusional and judgmental. You can buy all the Gucci you want granted that your assets provide the cashflow for it, thats the ideal.
I’m 23 & I just started investing into my retirement with vanguard this year too. Pretty soon I plan on investing on a few ETF’s & build a nice portfolio 💼👍🏻. Wise words Nate
By moving often you really notice how many things you never use. I have moved 3 times in the last few months for house flips and each time I get rid of a BUNCH of things.
BRILLIANT . People don't realise that some won't get to pension age but now in Uk pension age is added 7 yrs n keeps rising. Surely Nate you are teaching all ages. Good Luck to you.
Very true. When I was in my 20s I made the mistake once of getting a decent sports car, and then spent a bunch extra modding it up. It was fun while I had it, but man I wish I had bought something at 1/3rd the price and just had invested the other 2/3rds. Great lessons you are sharing, thanks.
Nate O'Brien just be smart. I bought a 2007 car, with about 8k in mods for $8k. The car is fully depreciated, so I can sell anytime, and it has all the mods I’d ever want. Those never help resale. Get a car with good resale, like a C6 Z06 or anything else bottomed out
Nate O'Brien Yes, that is what you are teaching me at least; to think long term. I have already noticed that shift in my thinking - long term over here and now in various areas. In the supermarket, regarding purchases I want to make, in my budgeting, etc. I do feel much more in control like that and confident. But it is also... the mind is always at work. Not so much space for being/emotional experiencing. Just my opinion. Really appreciate your channel.
It amazes me that school and college have us learn a bunch of bullshit material for general education but doesn't care to require 1 personal finance course.
Thanks so much Nate. I am 24 and just getting into my finances. You are like the Finance Charisma On Command, with the similar background and no cuts. I'm going to look into the retirement plan now.
What I like best about your videos is how you never try to make people feel stupid if they haven’t yet tried to improve themselves/their circumstances or make them feel bad if they did try but failed to follow thru. You give out gentle encouragement and even pepper in points where you’ve made your own mistakes. I appreciate your approach. I think in the past I have let guilt be my motivator and that never really works out well in the long run because that means always coming from the perspective that everything one does is wrong or bad.
Your philosophy on wealth & education is really balanced. 💯 One of the reasons I watch these types of videos is to glean how other people’s ideas & perspectives might enhance my life goals, & hopefully help others. I just think ideas tend to be stronger with different perspectives, instead of just one. As always, thanks for sharing Nate! You’re definitely a lot wiser than your 21 years! 💯🙌
Nate, great post, thanks. Wish I had had more financial advice 30 years ago. One point, the idea of buying a Rolex watch is actually a great investment. They NEVER lose their value. I love to collect things, always have, all of my life. Stamps, coins, knives, historical firearms, etc. And watches. The day I bought my Rolex Submariner (no date), its value was approximately $3,000 MORE than what I paid for it, which was retail through a Rolex dealer. My uncle has a vintage Rolex (Submariner) and it is worth over $20K! Food for thought.
Brother, I wish I had known these things when I was in my early 20's. I accepted debt as just a part of life instead of being intentional about taking on as little as possible.
You are great bro...these days I have been watching many of your videos and all of them are so practical. I don't really remember how I ended up on your channel 3 days ago but that was a TRUE BLESSING......Loving all your videos and it is nice to see someone having similar age and mindset. Count me as your loyal subscriber from now cauz I don't think I'm gonna miss any of your video🙂
i totally agree with the avoid debt, no credit cards thing, and minimalism. i came to the same conclusion over this past year, that if i ever got the chance to go back in time, i would tip myself off to do as mentioned.
I'm finally intent on watching just about every video Nate has made and have actually started throwing out wasteful surroundings and am becoming more cognizant of distractions that I use to avoid the work intended.
At your age I was told to save money, yet I thought retirement was far away. WRONG! time goes by fast and I wish I did save my money at your age cause I am 20 years away from retirement and just start saving 2 years ago.
Nate, thank you so much for your videos. I'm 50 and your information that you share is much needed especially for the young people but it's valuable for all. I've shared on my FB page.
*GREAT VIDEO NATE* Man oh man, *IF ONLY* every high school senior committed to avoiding consumer debt and had to take a financial education class before graduation 🎓 Think of how different our generation would be! Love the content! I teach many of the same things on my channel! Keep it up! 😎👍🏻
@@NateOBrien not to much, it troubles me with the to see something like a square in a photo frame and a guitar beside one table and a little bench😂but a little minimalistic apartment that will be nice💕😉
A credit card has actually been really helpful for me. At first I was really scared to use one, but I've actually paid $0 in interest and fees and made over $200 in bonus points so far this year. Not only has it built my credit score to almost 800 points, but I don't have to worry about getting hit with overdraft fees like on my debit card. Great video as always, Nate!
“You can read a book and learn more”. The thing is... how to choose “the book” or the TH-cam video... there’s too many things out there and it feels suffocating. Not enough time. That’s why we end up paying for courses of charismatic people. It’s amazing when u guys put a list if resources out there. It’s a win win... this way we can reach out more savy to you, and you can really teach, not sell bullshit neuromarketing scams :)
In my opinion, high school and even college fail us as young adults. They do not teach money as a core subject because at the end of the day, that’s how you live is through money. Some people graduating today do not understand the first thing about money management and it concerns me. That is what inspired me to make my channel, it’s new but we’re growing. I love this content on teaching what the schools have failed us all in and that is how to properly manage your money.
Thank you for your information. I am learning new things about money, personal finance, business. I will do my best to use those knowledges in my life. To get 100% advantage of them. I really appreciate your work. Last days I'm watching a lot of youtubers abd their videos about finance, money. But they aren't really helpfull information out there like yours. I am greatful for your videos. Continue doing such useful, helpful videos. I think I will be your follower forever.😍😍😍
@@squirrelcovers6340 well many baby’s have that done to them because it’s natural for them to swim so they don’t appear scared when they get tossed in the water... has that happened to you at a young age?
I am new to your channel and it’s helping me understand money in a whole new way.... big fan of the content on your channel and the way you explain things. Thanks I might bug you with some questions later.... job well done.... kudos
The advice on retirement is spot on - start early. You don't have to max everything out, just do what you can for now and increase it incrementally as time goes on. It is important to just get started.
Great video as always! For retirement accounts, I definitely suggest proceeding with caution. The US stock market is heavily inflated and literally about 25% of bonds world wide have negative yields (which means you are paying people to let them borrow your money, which is nuts..). Do not "set it and forget it." Sometimes financial advisors will tell you it's okay "because you're young" but I don't want to lose money at any age! If you have no idea about the stocks/bonds you are holding, do your research!! Who knows, your advisors might have you in these negative yielding bonds without your knowledge. Avoiding debt is two fold. If its just consumer debt (like the cars you mention) then I 100% agree (I would even say the mortgages could be considered "bad debt"). But using leverage responsibly could allow you to have control over an income producing asset (like a duplex) that you otherwise would have to save for years to be able to get.
I'm from Central Europe and credit cards aren't worth it at all, yet. You have to pay for the registration and monthly fees and on the most expensive ones the benefit usually is only buyer protection and travel insurance. I feel like here they are meant mostly for business owners. But lately there have been few banks which are offering free debit cars with high interest saving accounts.
Your younger than me( I’m 25) and I learned everything your saying when I was younger than you are now (13... everyone always thought I’d be something special) but I still fucked up and landed in debt ... this is great advice your giving hopefully young people will listen
Hey Nate, thank you for putting these videos out. As someone in their early 20s I find a lot of value in them and I appreciate what you do. I have a question, how do you feel about spending money/investing in mentorship?
finally someone talking about online education. Education right now is basically free everywhere, you don't need to go to college for 4 years and learn nearly nothing, get 50k in debt, when you can just take some udemy and youtube courses and get a job for 60-70k
Nate, have you heard Robert Kiyosaki's take on Good Debt vs Bad Debt? Good Debt is used to acquire assets that produce positive cash flow every month. Also, the board game Cash Flow might interest you.
Where is "Buy Appreciating Assets" like Real Estate ??? Renting makes other people rich. So rent or lease depreciating assets when possible and buy assets that appreciate.
Excellent content as always Nate..having less is like a spiritual awakening..I'll never be a full blown minimalist but have been having a great time decluttering and gifting many of my treasures.
Nate i found you recently as i am attempting to get out of debt. Thank you for taking time to share info. I am so impressed with your wealth of knowledge and how you present yourself especially as a young man.
My fellow O'Brien, I am also in the Financial sector (You're basically sharing Warren Buffets' rules and there's 82 Billion reasons to listen). Salut 💸🤙
YES on the retirement plan! I am 47 and have prepared only minimally for retirement. I would tell any young person...DO NOT DO THIS TO YOURSELF! Unless you LOVE, LOVE, LOVE what you do for a living you are going to be sick and tired of it when you get my age and be looking forward to being done. I don’t know how I’m going to, but I will figure out a way to retire in the next 10 years. I’m a tiny nurse and my body hurts from pulling and tugging and lifting patients, not to mention the damage from years of working night shifts. I am making so many financial changes FINALLY and I’m getting on track. You are a very smart young man Nate. I have my 17 year old twins watching your videos now and am teaching them the importance of making sound financial decisions at a young age.
I would agree showing people your cool expensive looks is not the best ideal thing in the long run but in reality for me I want to look nice when I go out, it gives me the confidence when I speak or talk to girls, now I'm not saying over spending on clothes, I'm just saying looking nice when you go out is a top criteria for me.
Yup avoid debt at all cost unless it's a mortgage that someone else (renter) is definitely going to pay for you. Whatever your loan is just know you're actually paying double that loan.
My toaster was $15, my microwave was about $250, oven $600. Money well spent since I use them many times a week and I will get 10-15 years out of them. Don't be a minimalist to that extreme, just be responsible with money and have a real plan.
GREAT advice! My advice is to pick an investment goal of at least 5% per paycheck and invest in a Roth IRA and if you have extra money then invest in a taxable stock account and if you still have extra money then increase your %. Do this until you retire and you'll be a millionaire.
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If this video gets 3,000 likes, I'll make an apartment tour once I fully move in!
Nate O'Brien Deal, you got my like
3,000 likes is kinda asking for alot Nate. At the time of this comment you haven't gotten 3,000 views yet.
Nate O'Brien you’ve got mine ;)
Great video and a tour would be awesome. Curious to see your taste ;)
Nate O'Brien Apartment tour
Nate,.....the fact that you can talk for 13 minutes without saying ''you know, I mean, it's like, or um'' is unreal. Your speaking skills are spectacular.
Thank you Tony, it truly means a lot to me for you to say that
He said “uh” at 6.20 ish
@@Jpt383 Yes,....but he didn't say ''um''.Lol
@@Tonymanero1960 exactly, he didn't stutter or use any "time excuses" that's what I call them!
Great Comment!
It is indeed refreshing to see somebody this young actually speak like an intelligent being. I thought the new generation was a lost cause quite frankly, but now I have hope LOL
Man, the way you speak non-stop, without cuts, that’s really insane.
One of the reasons why I started this channel was to improve my speaking skills. I used to have issues with stuttering so it makes me happy to read comments like these. Thank you
@@NateOBrien Any other tips for that? I'm struggling with the same problem
I was wondering why he seemed so genuine! Nice catch
@@lennyboel8994 say it 6 time in your head the exaxt same sentence, once you said it in your hrad 6 time say the same sentence for real. It will work do that 1 week. Trust me. Then say the sentence 5 times only... Do that 3-4 days. Then keep going like that same amkint of fays in a row but 4 time and 3 times in your mind etc... and soon you ll speak fluent non stop.
Forreal tho
"When you were younger?". Boy, u 21, u already figured so much about money than my 37 year old self. Good on you.
"If you wish to be wealthy, learn to live like you're poor"
having said that, don't deprive yourself of important things in life. There is a fine balance where you can live below your means while still feeling great
@@NateOBrien absolutely
Nate O'Brien yeah i know what u said.
MostNaturalMedia
Poor and wealthy dont mix.
Maximizing your earning potential + asset building is better wording.
MostNaturalMedia yeah
I am 23 and from India. Due to my extravagant lifestyle, I created a big credit card debt and was confused as hell when I found your channel. And now I am paying off my debts one by one, had cut down all my expenses and started a minimalist life selling most of the things. I am very grateful to you Nate :)
Like if Nate is helping you in your journey to financial literacy like me 💰💰!!!
💯💯💪🔥
Out of a lot of personal finance channels, yours is one of my favorites because you explain information in a clear manner. You don’t speak with a condescending attitude like a lot of personal finance experts
Thank you Benny!
Nate - I can't believe you're only 21. You have so much knowledge and wisdom. I'm way, way older than you, however I enjoy your channel. Keep up the good work :)
I'm feeling old. I'll blink and I'll be thirty! Time flies when you're having fun
@@NateOBrien dude....you have no idea how fast time flies. Wish I had your wisdom at your age. I am 48, post divorcee and 20K in debt with zero assets. Your videos are still inspiring me to dig myself out of this mess and start fresh. Cheers from a fan in Ottawa, Canada!
NH April ! Dude looking at him I’m like wtf am I doing with my life lmao
this is the benefit of living in the age of technology. millions of helpful videos online right at your fingertips.
And after all that you might marry someone who isnt that smart with money.
Marry an equally responsible person, or someone who is open to learn about it.
Thats so true
Amen to that
Actually sometimes a balance is good! ❤️❤️
DON'T MARRY ANYONE. It's stupid.
When the first tip is minimalism, you immediately establish credibility to me. Subscribed!
Thanks John!
It's ok to have a toaster, a microwave, and an oven. Really, it's ok.
Hope everyone has a great weekend! Don't forget to leave a like and subscribe to support the channel!
Nate O'Brien liked before watched lol. 👌🏽
It has been almost a year since I started my first real job. I'm grateful that I had the initiative to learn about personal finance because like you said; most of us college graduates are totally clueless about managing money. Thanks for sharing your knowledge with us, Nate. I truly benefited from your videos.
That's why we are grateful that you always share this kind of contents for us to learn earlier and be financially independent after years of building our own portfolio.
Thank you Shane!
So true man, it’s always good to have another perspective right?
Wise beyond your years. You're teaching things that people don't realize until they're much older. Even better is that what you preach aren't trends, but basics that will stand the test of time and will help build generational wealth. Your topics are varied but remain intertwined. Keep the great content coming - Thank you!!!
I agree with avoiding debt at all cost... we paid 70k in 14 months a couple years back right after college... in our 20s. The day I made the last student loan payment I felt like I could fly. The dark cloud over my head dissapeared and I could enjoy the sun and the blue sky. What a feeling!
It’s funny how most rich people don’t flex their money while a lot of poor people try so hard to look rich.
90% of people who wear Gucci are poor. The other 10% comprises of trust fund babies and a handful of actual self made rich people
A lesson in human nature.
I see that all the time and it is sad. Can't pay their mortgage but always have the latest Iphone
There’s more than what meets the eye. Thinking binary will make you delusional and judgmental.
You can buy all the Gucci you want granted that your assets provide the cashflow for it, thats the ideal.
Very true. The poor spend a larger percentage of income to look rich. It’s a mentality thing.
Best free financial advice/information you can attain online = Nate O'Brien's TH-cam channel. Can't thank you enough for everything you've taught me!
Means the world to me for you to say that, thanks for always supporting the channel!
Yassss💯
I’m 23 & I just started investing into my retirement with vanguard this year too. Pretty soon I plan on investing on a few ETF’s & build a nice portfolio 💼👍🏻. Wise words Nate
Use me as a “do a house tour” button
When I get back from Puerto Rico
Nate O'Brien sweet 🙌🏽
That would be interesting 👍
so you just never came back huh
Buying used books from amazon is one of my favorite ways to gain knowledge. Some of the books cost me less than a dollar.
Sometimes I buy more books than I can read!
me too!
Smart Joe I borrow books through the app Libby by Overdrive. If only requires a library card
Smart Joe
People aren’t clean so i buy new.
Same!
By moving often you really notice how many things you never use. I have moved 3 times in the last few months for house flips and each time I get rid of a BUNCH of things.
By moving you realize that you could fill two uhauls with stuff that you never even knew that you had
Nate O'Brien haha, or greatly inconvenience yourself trying to load a truck several times
Dude, u are wise beyond your years. You're doing a great service. Young people, LISTEN UP AND LEARN.
I was that 17 yr old signing for $110k in loans, excited and happy. Looking back on that moment now gives me chills... It is just unreal
BRILLIANT . People don't realise that some won't get to pension age but now in Uk pension age is added 7 yrs n keeps rising. Surely Nate you are teaching all ages. Good Luck to you.
Can we take a moment and just acknowledge that this kid is 21!?!?
Good words, Nate. I'm glad you decided to fund your retirement. That is a big win.
Thanks Bob! 40 years will likely go fast!
Hi bob
I 100% agree. It doesn’t get any better than that.
Very true. When I was in my 20s I made the mistake once of getting a decent sports car, and then spent a bunch extra modding it up. It was fun while I had it, but man I wish I had bought something at 1/3rd the price and just had invested the other 2/3rds. Great lessons you are sharing, thanks.
Sometimes I'm tempted but then I remember to think long term!
Nate O'Brien just be smart. I bought a 2007 car, with about 8k in mods for $8k. The car is fully depreciated, so I can sell anytime, and it has all the mods I’d ever want. Those never help resale.
Get a car with good resale, like a C6 Z06 or anything else bottomed out
I did the same thing bro. Hindsight is 20/20
Nate O'Brien Yes, that is what you are teaching me at least; to think long term. I have already noticed that shift in my thinking - long term over here and now in various areas. In the supermarket, regarding purchases I want to make, in my budgeting, etc. I do feel much more in control like that and confident. But it is also... the mind is always at work. Not so much space for being/emotional experiencing.
Just my opinion. Really appreciate your channel.
It amazes me that school and college have us learn a bunch of bullshit material for general education but doesn't care to require 1 personal finance course.
Thanks so much Nate. I am 24 and just getting into my finances. You are like the Finance Charisma On Command, with the similar background and no cuts. I'm going to look into the retirement plan now.
Thank you!! I appreciate the kind words!
My method: If I haven't used something in 6 months >>> out it goes >>>.
Same!
I just discovered this channel and.... I LOVE THIS CONTENT.
Thank you Brian! So happy to hear
@@NateOBrien I saw your name on the Fincon sheet. I hope we can run into each other
@@Jungernaut TH-cam algorithms have stopped showing your channel to me 😂😂 hws ur credit card game👏👏
What I like best about your videos is how you never try to make people feel stupid if they haven’t yet tried to improve themselves/their circumstances or make them feel bad if they did try but failed to follow thru. You give out gentle encouragement and even pepper in points where you’ve made your own mistakes. I appreciate your approach. I think in the past I have let guilt be my motivator and that never really works out well in the long run because that means always coming from the perspective that everything one does is wrong or bad.
too much helpful , thanks for ur ideas
Thank you & congrats on 300k subs
Your philosophy on wealth & education is really balanced. 💯 One of the reasons I watch these types of videos is to glean how other people’s ideas & perspectives might enhance my life goals, & hopefully help others. I just think ideas tend to be stronger with different perspectives, instead of just one. As always, thanks for sharing Nate! You’re definitely a lot wiser than your 21 years! 💯🙌
Thanks as always, Lisa. Have a great weekend!
Nate, great post, thanks. Wish I had had more financial advice 30 years ago. One point, the idea of buying a Rolex watch is actually a great investment. They NEVER lose their value. I love to collect things, always have, all of my life. Stamps, coins, knives, historical firearms, etc. And watches. The day I bought my Rolex Submariner (no date), its value was approximately $3,000 MORE than what I paid for it, which was retail through a Rolex dealer. My uncle has a vintage Rolex (Submariner) and it is worth over $20K! Food for thought.
Brother, I wish I had known these things when I was in my early 20's. I accepted debt as just a part of life instead of being intentional about taking on as little as possible.
You are great bro...these days I have been watching many of your videos and all of them are so practical. I don't really remember how I ended up on your channel 3 days ago but that was a TRUE BLESSING......Loving all your videos and it is nice to see someone having similar age and mindset. Count me as your loyal subscriber from now cauz I don't think I'm gonna miss any of your video🙂
Someone who’s financially stable/savvy AND a total snack? sign me up
i totally agree with the avoid debt, no credit cards thing, and minimalism. i came to the same conclusion over this past year, that if i ever got the chance to go back in time, i would tip myself off to do as mentioned.
I just really don't need that much stuff!
I'm 22, and I already regret the first 3 years after high school graduation, spending the money away.
For what college?
I'm finally intent on watching just about every video Nate has made and have actually started throwing out wasteful surroundings and am becoming more cognizant of distractions that I use to avoid the work intended.
Following all your videos makes it possible for me to follow my passion and freelance full time! Thanks for all the helpful information Nate! 🙂
So happy to hear! I'm glad that you are following your passion
@Cpaws Music 🙌
Yup, can relate to many of these.
Thanks for stopping by the channel, Jeff!
At your age I was told to save money, yet I thought retirement was far away. WRONG! time goes by fast and I wish I did save my money at your age cause I am 20 years away from retirement and just start saving 2 years ago.
Never too late. Keep working at it!
@whiterose faith, i just say the same as others did before. Better late that never. Keep on with your good Intention and good luck
Better late than never😁
Nate, thank you so much for your videos. I'm 50 and your information that you share is much needed especially for the young people but it's valuable for all. I've shared on my FB page.
*GREAT VIDEO NATE* Man oh man, *IF ONLY* every high school senior committed to avoiding consumer debt and had to take a financial education class before graduation 🎓 Think of how different our generation would be! Love the content! I teach many of the same things on my channel! Keep it up! 😎👍🏻
Average Joe on Money that would be awesome!
What a concept! 👍🏻
Yes please! Kids need to learn this at an early age!!
I really hope that they start teaching it in schools!
Yesss apartment tour! I’m that way with furniture/home items. I try not to buy a bunch of useless stuff that I know I’ll have to move 😂
I'm going full minimalist
@@NateOBrien Do it man!
@@NateOBrien not to much, it troubles me with the to see something like a square in a photo frame and a guitar beside one table and a little bench😂but a little minimalistic apartment that will be nice💕😉
Nate O'Brien luv it 💓
A credit card has actually been really helpful for me. At first I was really scared to use one, but I've actually paid $0 in interest and fees and made over $200 in bonus points so far this year.
Not only has it built my credit score to almost 800 points, but I don't have to worry about getting hit with overdraft fees like on my debit card.
Great video as always, Nate!
You wish someone told you at a younger age? Dude, are you making fun of us?
It would be nice to know this when I was two
Nate O'Brien I am 17 and I am your big fan
I wish doing something productive every time I watch your videos✌💪
Good advice. I personally wish I read rich dad poor dad in high school.
Schools need to teach personal finance.. very sad
I'm lucky to say I did!
After my time. But I really wish that I had found The Richest Man In Babylon by George S. Clasen. It's a classic.
Thank you bro! You have helped me a lot in understanding the "money game". Cheers and all the best
Happy to hear it! Thanks for watching!
We all could have learned about money like 10 years sooner but the next best time is right now! Nate has us covered 🙌
They should start teaching us personal finance in the womb
Nate O'Brien I heard if you rub money on the moms belly the child is more financially literate 😂 (not really but worth a shot)
i'm learning watching ur blogs.
living simple and contended, while securing ur pockets for retirement...but enjoy ur money as well.
thanks.
Nate the Great! Where were you in my early twenties... still no too late to compound with the knowledge that you provide 💪🏼
Bro you got some luscious hair. I’m soo envious. Don’t take it for granted
He is sooooooo right😭😭😭 I hate debt sooooo much. I’m spending longer in school as a part timer to avoid loans.
“You can read a book and learn more”. The thing is... how to choose “the book” or the TH-cam video... there’s too many things out there and it feels suffocating. Not enough time. That’s why we end up paying for courses of charismatic people. It’s amazing when u guys put a list if resources out there. It’s a win win... this way we can reach out more savy to you, and you can really teach, not sell bullshit neuromarketing scams :)
please do a video about using credit cars as tools!!
I think I will
In my opinion, high school and even college fail us as young adults. They do not teach money as a core subject because at the end of the day, that’s how you live is through money. Some people graduating today do not understand the first thing about money management and it concerns me. That is what inspired me to make my channel, it’s new but we’re growing. I love this content on teaching what the schools have failed us all in and that is how to properly manage your money.
Personal finance should be taught alongside math, science and reading
Nate O'Brien love it man, cannot agree more!
Thank you for your information. I am learning new things about money, personal finance, business. I will do my best to use those knowledges in my life. To get 100% advantage of them. I really appreciate your work. Last days I'm watching a lot of youtubers abd their videos about finance, money. But they aren't really helpfull information out there like yours. I am greatful for your videos. Continue doing such useful, helpful videos. I think I will be your follower forever.😍😍😍
The fact that these videos are taken in one cut. Man, I envy that. It’s the little things. Thank you for these videos.
Nobody has broader shoulders than Nate, could’ve been the next Michael Phelps or in the NBA son.
I'm naming my first born child Michael and throwing him in a pool on day one (with a life jacket)
Nate O'Brien naw go old school like the rest of us lol just toss him right in
@@ServantStatusMinistries and they will hate you for it the rest of their life......believe that.😠
@@squirrelcovers6340 well many baby’s have that done to them because it’s natural for them to swim so they don’t appear scared when they get tossed in the water... has that happened to you at a young age?
Hey Nate, I come back to this video to day THANK YOU because you changed my mindset which helps me save a ton of money 🙏🏻❤️✨😊
I am new to your channel and it’s helping me understand money in a whole new way.... big fan of the content on your channel and the way you explain things. Thanks I might bug you with some questions later.... job well done.... kudos
The advice on retirement is spot on - start early. You don't have to max everything out, just do what you can for now and increase it incrementally as time goes on. It is important to just get started.
Happy to see that you agree!
Great video as always!
For retirement accounts, I definitely suggest proceeding with caution. The US stock market is heavily inflated and literally about 25% of bonds world wide have negative yields (which means you are paying people to let them borrow your money, which is nuts..). Do not "set it and forget it." Sometimes financial advisors will tell you it's okay "because you're young" but I don't want to lose money at any age! If you have no idea about the stocks/bonds you are holding, do your research!! Who knows, your advisors might have you in these negative yielding bonds without your knowledge.
Avoiding debt is two fold. If its just consumer debt (like the cars you mention) then I 100% agree (I would even say the mortgages could be considered "bad debt"). But using leverage responsibly could allow you to have control over an income producing asset (like a duplex) that you otherwise would have to save for years to be able to get.
You have some very valid points
Man.. you really prove that reading books make u much more intelligent at all ;D
Awesome to see such a guy at this young age! Keep going!
german people don't use credit cards ....and they are the least spending people in Europe ....great video by the way : D
I'm from Central Europe and credit cards aren't worth it at all, yet. You have to pay for the registration and monthly fees and on the most expensive ones the benefit usually is only buyer protection and travel insurance. I feel like here they are meant mostly for business owners. But lately there have been few banks which are offering free debit cars with high interest saving accounts.
Bist du dir da sicher? Fast jeder den ich kenne hat eine, und braucht man die nicht auch oft, um etwas online zu bestellen?
Your younger than me( I’m 25) and I learned everything your saying when I was younger than you are now (13... everyone always thought I’d be something special) but I still fucked up and landed in debt ... this is great advice your giving hopefully young people will listen
Hey Nate, thank you for putting these videos out. As someone in their early 20s I find a lot of value in them and I appreciate what you do.
I have a question, how do you feel about spending money/investing in mentorship?
You can find free mentors in your local community who would be happy to help!
finally someone talking about online education. Education right now is basically free everywhere, you don't need to go to college for 4 years and learn nearly nothing, get 50k in debt, when you can just take some udemy and youtube courses and get a job for 60-70k
Probably the best financial channel on TH-cam
Just can't stop watching this channel.....Tempofinance pro was here...from Ghana
Thank you!
Nate, your videos are very knowledgeable and bring value to my life. So much to learn from you!
Why the hell does this kid make more sense than all the financial guru BS I’ve heard?
Kudos, you’ve got a subscriber.
Nate, have you heard Robert Kiyosaki's take on Good Debt vs Bad Debt? Good Debt is used to acquire assets that produce positive cash flow every month. Also, the board game Cash Flow might interest you.
Where is "Buy Appreciating Assets" like Real Estate ???
Renting makes other people rich.
So rent or lease depreciating assets when possible and buy assets that appreciate.
Excellent content as always Nate..having less is like a spiritual awakening..I'll never be a full blown minimalist but have been having a great time decluttering and gifting many of my treasures.
It really is nice!
Another useful video with valuable information! Easy to watch and understand as you speak so eloquently Thanks Nate :)
Hey thanks!
I feel the same as you. You never know what will happen. Debt is never a good thing.
Nate i found you recently as i am attempting to get out of debt. Thank you for taking time to share info. I am so impressed with your wealth of knowledge and how you present yourself especially as a young man.
My fellow O'Brien,
I am also in the Financial sector
(You're basically sharing Warren Buffets' rules and there's 82 Billion reasons to listen).
Salut 💸🤙
I found ur channel days ago, and I gotta say I really like how genuine u seem to actually help people, keep up the good work my dude
Thank you Ahmed!
Appreciation from Nepal. If you ever come to my country, I will help you out to travel.
I really appreciate your advice. i am so happy I found your channel. Will absolutely share it with friends and family. saludos desde Mexico.
YES on the retirement plan! I am 47 and have prepared only minimally for retirement. I would tell any young person...DO NOT DO THIS TO YOURSELF! Unless you LOVE, LOVE, LOVE what you do for a living you are going to be sick and tired of it when you get my age and be looking forward to being done. I don’t know how I’m going to, but I will figure out a way to retire in the next 10 years. I’m a tiny nurse and my body hurts from pulling and tugging and lifting patients, not to mention the damage from years of working night shifts. I am making so many financial changes FINALLY and I’m getting on track. You are a very smart young man Nate. I have my 17 year old twins watching your videos now and am teaching them the importance of making sound financial decisions at a young age.
I would agree showing people your cool expensive looks is not the best ideal thing in the long run but in reality for me I want to look nice when I go out, it gives me the confidence when I speak or talk to girls, now I'm not saying over spending on clothes, I'm just saying looking nice when you go out is a top criteria for me.
21 yrs old and has an accountant, wow congrats man
I knew this Nate was getting on the minimalist life after he commented on Matt D'Avella's video
Like these tips especially no: 2. Thanking you for sharing!
Yup avoid debt at all cost unless it's a mortgage that someone else (renter) is definitely going to pay for you. Whatever your loan is just know you're actually paying double that loan.
Just shared this video with a Facebook group. Invaluable information and amazing content. I am very glad I stumbled across your channel.
Every time he says "i'll worry in my 30s", he makes me feel like a fossil
Guess 31 is prehistoric LMAO
You are just a blessing to me Nate , am glad I came across your channel .... I seriously love you so so much .....
After binge watching Nate O’ Briens videos I think twice Everytime I’m about to spend money
Definitely not a bad thing
My toaster was $15, my microwave was about $250, oven $600. Money well spent since I use them many times a week and I will get 10-15 years out of them. Don't be a minimalist to that extreme, just be responsible with money and have a real plan.
GREAT advice! My advice is to pick an investment goal of at least 5% per paycheck and invest in a Roth IRA and if you have extra money then invest in a taxable stock account and if you still have extra money then increase your %. Do this until you retire and you'll be a millionaire.
You mention 'we' in every video of yours. I wanna know who this 'we' is
Awesome info as always. Thanks for sharing