So you pay yourself first, pay your duties from the left over? I can't get my head around that. I can't see how can I convince a bank or electricity supplier to accept only 10% of my bill, because I'm saving up, and don't wish to pay the full bill this month, or any month at all. They just going to say, it's OK? Because this what paying myself first means. It's a must, food for the kids is not.
@@Shaara1I have found that when I take out $ from my paycheck first I still spend what’s left but I do end up saving. If I were to get everything I would just spend it all. Of course a lot depends on ur initial pay.
@@brianchesler8238 I agree. It's human nature. People's spending levels is highly based around how much you have. Very few people spend 100% of their income on non-discretionary necessities. If you take the "save when you can" approach, you almost inevitably will have less saved than if you take it off the top and then work your budget with the remaining funds. A person mentions a utility bill. However, if you had 10% less from the start, you probably buy a house that is 10% smaller and has 10% lower utilities and now can pay your bill. People adjust their spending to their available funds. The best way to save is to do it upfront.
00:00:00 - Intro 00:00:30 - Tiny Habits #1 Gratitude 00:01:04 - Tiny Habits #2 Set up Auto Transfer 00:02:12 - Tiny Habits #3 Batch Time 00:03:24 - Tiny Habits #4 Dollar Cost Average 00:04:42 - Tiny Habits #5 Eat the Frog (do the thing) 00:05:57 - Tiny Habits #6 Write down your goals 00:06:42 - Tiny Habits #7 Use Social Media Intentionally 00:07:45 - Tiny Habits #8 Learn to Delegate 00:09:03 - Tiny Habits #9 Go outside get some sun 00:09:39 - Tiny Habits #10 Go through your spending once a month 00:10:42 - Tiny Habits #11 Create a Why I'm awesome file 00:12:02 - Tiny Habits #12 Make a Shopping list before going to supermarket 00:12:56 - Tiny Habits #13 Automate life where ever you can 00:15:13 - Tiny Habits #14 Listen to Money Audio Book 00:16:11 - Tiny Habits #15 Have lunch with at least one new person each month 00:17:45 - Tiny Habits #16 30 - 30 Rule 00:18:39 - Tiny Habits #17 Reach out to people 00:19:55 - Tiny Habits #18 Do something that makes you happy 00:20:58 - Tiny Habits #19 Use free time wisely 00:22:07 - Tiny Habits #20 Check your Net worth
Research studies shows that personal finance is 80% behaviour and only 20% head knowledge. Changing our mindset to focus on the head knowledge, the greater our wealth generating will be..... follow the 20 tips is a great start. 👍
I keep wondering why they don't put such content in the education system 🤔. Start them early and poverty rate will decrease. Thank you so much for those golden nuggets that truly make a difference.
Stop and think for a second if they do this no one will want to work at a sweat shop 🙄 or make other people rich by working a JOB! NOT A CARRIER 🤔 by having a JOB people lose themselves and forget about their dreams, all of these things or orchestrated this way only the people that are tired of living a empty life and being broke and living from paycheck to paycheck and that are tired of being in there comfort zone, trust me there is nothing in there take it from me 😂😂😂😂 long story short you have to want it bad enough for yourself then teach your children and your family and your friends and different people you meet, only the ones that need your help and you will know who they are, as the saying goes don't cast your pearls before swine or else they will turn and tear you to pieces 🙏🙏🙏🙏🙏 bless up much love.
Great teachers do teach, yet often times they never learned themselves so how did they teach it! It’s been years of the government, not wanting us to be financially literate so they can control us easier and have mindless workers. Sad.
@@Bossmamaala- And so many learn too late that this COULD have been taught. Hope this changes in future. On the other hand, they’re telling us that AI will get rid of most of our jobs…
For me the 3 most helpful tips here are #1 Gratitude (I am grateful for my health and Rose’s channel😊) #2 Auto transfer - set it and forget it, #4 Dollar cost average - it’s tough to time the markets. Everyone seems like a genius AFTER the fact, before something happens in the market, they are not so smart. Thanks Rose.
It also helps to remember that September can be considered the “doldrums” and sometimes the August before it. A little adjustment at that time might be useful. You might want to buy a little bit more at that time.
This is great. The only thing I’d add is to change companies often vs seeking raises. In my experience that’s the best way to get significant pay increases.
i'm so grateful to have discovered your channel. what you say feels organic and genuine and i appreciate your sense of humour! i like that it feels achievable and that i don't have to completely reinvent myself and manifest a lifestyle like you mention. i.e. waking up at 6 AM everyday, etc. you mention personal growth in another video and eliminating toxicity in relationships. this is something i struggle with, including the toxicity within. i have lots of ideas and have been able to manifest some of them over the years (sometimes successful but definitely losses along the way) but my downfall has been that i'm easily influenced and discouraged. i feel like i've lost a bit of that drive over the years but your videos have re-ignited my ambition. i have so much work to do and it's been so long since i felt like i can conquer it but i feel like i'm ready. thank you so much fro these videos. you are a positive force the world needs..
I’m listening this podcast in the morning… I feel exhausted with her speech tempo (just like sprint 😂), so I try to reduce the speed from normal to 0.75… boom! Now I enjoy listen her 20 tiny habits…
I absolutely love “why I am awesome file”. I am so happy you are posting regular content on here and IG stories. I listen to your “rich era” every morning to give me a boost. I am going to credit my millionaire status to you/this channel.💐🌼💕🙏🏼🙏🏼
Social capital wow! So true! As we get older our time seems so limited and it’s definitely a lot more challenging. We do think about our loved ones, and you’re right why not take that extra step to let them know we are thinking of them! Great content as always Rose 🌹 Thank you!
Great video! I'm stuck on #19... I have decades of leadership experience but unfortunately, what comes with leadership is you typically have someone (or in my case multiple admin people) do all the little things for you. I find it daunting to have to learn these skills to simply launch a TH-cam channel or IG page to generate income (or similar skills). I've gotten so used to "big picture/high level" thinking that I seemed to have forgotten the basics. It feels overwhelming.
Appreciate your continued dedication to helping average folks try to build wealth and not get rekt in the process, I love your confidence so keep shrugging off the naysayers. Your experience is clear and I look forward to your pragmatic and bullish viewpoints in a world that’s increasingly easy to get caught up in the constant negativity and bearish sentiment.... Long & short-term trading is generally safer, allowing investors to weather market volatility. I have managed to grow a nest egg of around 100k to a decent 432k in the space of a few months... I'm especially grateful to Evelyn Infurna, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
I’ve had my head in the sand for the past few years and it has finally caught up with me. Now I’m $90k in debt and filing for bankruptcy 😔 You’re tips are 100% what I should’ve been doing this whole time. 😤😭
just recently i have been using my free time to gather information and inspiration from people like you. thank you so much for sharing these things! it's soo real and helpful.
Thank you... such great information.. I was diagnosed with two chronic illnesses last December and it has swerved my business plans massively and I'm having a hard time coming to terms with the reality of it... but I feel so positive after listening to your video.. some of those tips, especially the decision fatigue and the routine eat/wear/do ones can totally buy me some more energy back for putting into my business goals!!! Thanks again!
I don’t know your situation, but this is also a great time to learn more about how people are reversing their chronic illnesses in more natural ways. TH-cam sensors a great deal but I have to admit there’s a lot of good material out there anyway. A lot of chronic illnesses aren’t responding beautifully to the carnivore diet or the ketovore diet. Dr. Anthony Chaffee, MD, Dr. Ken Berry, MD, Dr. Shawn Baker, MD, Dr. Thomas Seyfried, MD, dr. Jack Kruse, MD, Stephanie keto person (experienced coach with a vast amount of knowledge for the keto approach), Darko Velcek has the most practical and inexpensive way to rehydrate that I have ever seen and it works like a charm, and a helpful eating plan that addresses so many issues in the body. JJ Virgin on inflammation/elimination diets to discover it that are not as strict as what some of the above mentioned doctors recommend. You would be astounded at the list of conditions that are vastly improving though. I hope some of these resources are beneficial to you, and if not, blessings, and I wish you the best on your health journey.
Aristotle believed that 'We are what we repeatedly do. Excellence, then, is not an act but a habit.' Small, consistent actions build the foundation for success. Focus on the tiny habits that align with your vision, and watch them transform your life over time.
Such a good girl you are 😍😍 .. love hearing others thriving!! I to got rich with investing , anyone can do this with smart decisions, get outta that rat race people and live to work....not work to live 👏.. im 35 and live completely off my dividend portfolio!!! U can do it to
This was one of the most complete and comprehensive approaches, in achieving an overall state of balance, in living a most harmonious and productive life. On the most general and simplest of terms.Thank you🌹🖐️😊
I love how all these “influencers” are so disconnected with how grossly behind 98% of folks are in order for this video to actually be of any use. For these tiny habits to be useful, they are being propped up by a foundation of education, safety, security, shelter, growth mindset, privilege, and money. She’s talking about waking up and being grateful, meditating, food prepping, and dollar cost averaging when 98% of people are worried about their next paycheck, eating top ramen, worrying about having shelter next month, and crushed by a mountain of soaring debt. This video needs to do a hard rewind on the hierarchy of needs and realize that this video is speaking to a very small % of people mostly in big metropolitan cities.
Her video is about getting rich. Maybe you should watch some other videos closer to the topic you're speaking about. Like how to stop living check to check, or how to make more money and get ahead.
I found I could skip the list and save a ton of money by ordering groceries and having them delivered. I can set my budget and plan my meals and add stuff as we run out throughout the week. Go through the cart and pull stuff out til it fits your budget. No impulse purchases and I have energy to organize it when it gets here.
There are base things that I buy at Costco -my single source olive oil, My basmati rice and massive jar of chopped garlic etc. and then there are lots of interesting cool and tasty things at Costco, which I only buy when they are the loss leader. I remind myself when I see something that I really enjoy that sometime during the year it’s definitely going to be on a loss leader and I can stock up on it then. That keeps me from buying that item at full price and keeps my budget nice and low
Actually the term has been around for over 100 years. It is an idea that is most often attributed to a quote by Mark Twain. Brain Tracy just popularized it in today's world.
Would you recommend saving and investing at least a little while I pay off my debt? It will take me 36 months. I am already retired. I hope to pay off my debt sooner with a side hustle but my question is do I save/invest while I retire the debt?
That will help in how you feel overall, but way out the debt interest versus the investment although investments do need time 😊 Yes not a straight out answer but giving you room to decide
The biggest thing we did to change our financial life was to get out of debt. We sold everything we could, cut out anything extra, tightened our belts for 2 years, and negotiated payoffs for all nonsecured debt. Then we started over, smart. Babysteps work these 20 things come after.
I just called the lady who help me with my washing to come do it after I got off the phone her a few minutes before watching this video telling her I was going to do it myself when she called. 😅Thank you 😊
thanks. I’m doing a side hustle that will be applied to debt but I feel better knowing I’m saving a little at least. The interest rates are mid-teens or lower.
Max out my wife's roth IRA...plus she'll have a teacher pension (hopefully). I put 15% into my TSP(401k), max out an HSA and will get a fed govt pension. It took us 10 years to get close to debt free, but we never sacrificed investing during the time we tried to tackle the debt. Glad we never stopped our investing.
Thank you for all these great tips, I understand now why I don’t achieve any of my projects 😊 but this video really inspires me to change. And if you’re looking for “someone new” for lunch, let me know 😊, thank you though
The only thing about eating the same thing over and over is that can impact your gut microbiome. Maybe having even 3 different smoothie combos and having a rotating schedule like smoothie A on monday and thursday, smoothie B on tuesday and saturday, and smoothie on C on wednesday and sunday, and something different on fridays that isnt a smoothie or do some fasting instead. Would be a bit better than the same smoothie every single day for months on end. Diversity for your gut is good.
Hey Rose Han what are the benefits of you investing a certain amount of transfer to a index fond each month? I know its very good to invest in indexfonds and stocks in general. The more you invest in a indexfond, the higher yield you will get when they release yield?
Currently at tiny habit #4. What are the index funds you put your money in (if you’re ok sharing them)?I have a fidelity account and have a couple of index funds I put my money in, automatically every month, but I believe I could pick better index funds.
Thanks sis for the points. I will add something to number 10, look at your itemized bills, you will be surprised about weird sneaky fees that can be avoided. Also looking at your credit card statement, you can watch out for unauthorized purchases. I see this from restuarants now, adding automatic gratuity even after you still.paid for it
@18:00 You should start intermitted fasting and move in the direction of a more Ketogenic diet.. saves you a lot of trouble in this area.. I'm usually at my clearest when I dont eat
These are great tips! I do think that we can also become obsessed with making more money and there needs to be a balance to be able to enjoy life too not just earning and saving more.
Thank you so much for your video. Hands down, one of the best 'Habits to make you rich' videos. Most of the time they are not worth your time. Great content, great explanations!
Rose, your videos are so inspiring! Also, I love Emily in Paris😆! Just started my TH-cam channel for my pets… You motivate me to keep going and reach my goals. Thank you for your words of wisdom. 🙏
Pay yourself first, this is how I was able to retire at 55 years old, being married to a school teacher with a pension helped also!
Really wish I had taken a job with a pension 😭
So you pay yourself first, pay your duties from the left over?
I can't get my head around that.
I can't see how can I convince a bank or electricity supplier to accept only 10% of my bill, because I'm saving up, and don't wish to pay the full bill this month, or any month at all.
They just going to say, it's OK?
Because this what paying myself first means. It's a must, food for the kids is not.
@@Shaara1I have found that when I take out $ from my paycheck first I still spend what’s left but I do end up saving. If I were to get everything I would just spend it all. Of course a lot depends on ur initial pay.
@@brianchesler8238 I agree. It's human nature. People's spending levels is highly based around how much you have. Very few people spend 100% of their income on non-discretionary necessities. If you take the "save when you can" approach, you almost inevitably will have less saved than if you take it off the top and then work your budget with the remaining funds. A person mentions a utility bill. However, if you had 10% less from the start, you probably buy a house that is 10% smaller and has 10% lower utilities and now can pay your bill. People adjust their spending to their available funds. The best way to save is to do it upfront.
I’m 54 and screwed
00:00:00 - Intro
00:00:30 - Tiny Habits #1 Gratitude
00:01:04 - Tiny Habits #2 Set up Auto Transfer
00:02:12 - Tiny Habits #3 Batch Time
00:03:24 - Tiny Habits #4 Dollar Cost Average
00:04:42 - Tiny Habits #5 Eat the Frog (do the thing)
00:05:57 - Tiny Habits #6 Write down your goals
00:06:42 - Tiny Habits #7 Use Social Media Intentionally
00:07:45 - Tiny Habits #8 Learn to Delegate
00:09:03 - Tiny Habits #9 Go outside get some sun
00:09:39 - Tiny Habits #10 Go through your spending once a month
00:10:42 - Tiny Habits #11 Create a Why I'm awesome file
00:12:02 - Tiny Habits #12 Make a Shopping list before going to supermarket
00:12:56 - Tiny Habits #13 Automate life where ever you can
00:15:13 - Tiny Habits #14 Listen to Money Audio Book
00:16:11 - Tiny Habits #15 Have lunch with at least one new person each month
00:17:45 - Tiny Habits #16 30 - 30 Rule
00:18:39 - Tiny Habits #17 Reach out to people
00:19:55 - Tiny Habits #18 Do something that makes you happy
00:20:58 - Tiny Habits #19 Use free time wisely
00:22:07 - Tiny Habits #20 Check your Net worth
Thank you! 🎉
What about the audio books??
Thank you so much🙏🙏
Thank you, this helped me locate exact spot in video I was trying to remember!!!😊
thank you!
Research studies shows that personal finance is 80% behaviour and only 20% head knowledge. Changing our mindset to focus on the head knowledge, the greater our wealth generating will be..... follow the 20 tips is a great start. 👍
I keep wondering why they don't put such content in the education system 🤔. Start them early and poverty rate will decrease. Thank you so much for those golden nuggets that truly make a difference.
Stop and think for a second if they do this no one will want to work at a sweat shop 🙄 or make other people rich by working a JOB! NOT A CARRIER 🤔 by having a JOB people lose themselves and forget about their dreams, all of these things or orchestrated this way only the people that are tired of living a empty life and being broke and living from paycheck to paycheck and that are tired of being in there comfort zone, trust me there is nothing in there take it from me 😂😂😂😂 long story short you have to want it bad enough for yourself then teach your children and your family and your friends and different people you meet, only the ones that need your help and you will know who they are, as the saying goes don't cast your pearls before swine or else they will turn and tear you to pieces 🙏🙏🙏🙏🙏 bless up much love.
Great teachers do teach, yet often times they never learned themselves so how did they teach it! It’s been years of the government, not wanting us to be financially literate so they can control us easier and have mindless workers. Sad.
@@Bossmamaala- And so many learn too late that this COULD have been taught. Hope this changes in future. On the other hand, they’re telling us that AI will get rid of most of our jobs…
I’m 54 and screwed
@@bitrudder3792I’m 54 and screwed
For me the 3 most helpful tips here are #1 Gratitude (I am grateful for my health and Rose’s channel😊) #2 Auto transfer - set it and forget it, #4 Dollar cost average - it’s tough to time the markets. Everyone seems like a genius AFTER the fact, before something happens in the market, they are not so smart. Thanks Rose.
It also helps to remember that September can be considered the “doldrums” and sometimes the August before it. A little adjustment at that time might be useful. You might want to buy a little bit more at that time.
This video should be taught in our educational institutions.
This is great. The only thing I’d add is to change companies often vs seeking raises. In my experience that’s the best way to get significant pay increases.
This is true, just not so often companies know you won’t be staying. Jumping companies can give you a 10k + raise.
i'm so grateful to have discovered your channel. what you say feels organic and genuine and i appreciate your sense of humour! i like that it feels achievable and that i don't have to completely reinvent myself and manifest a lifestyle like you mention. i.e. waking up at 6 AM everyday, etc.
you mention personal growth in another video and eliminating toxicity in relationships. this is something i struggle with, including the toxicity within. i have lots of ideas and have been able to manifest some of them over the years (sometimes successful but definitely losses along the way) but my downfall has been that i'm easily influenced and discouraged. i feel like i've lost a bit of that drive over the years but your videos have re-ignited my ambition. i have so much work to do and it's been so long since i felt like i can conquer it but i feel like i'm ready. thank you so much fro these videos. you are a positive force the world needs..
I’m listening this podcast in the morning… I feel exhausted with her speech tempo (just like sprint 😂), so I try to reduce the speed from normal to 0.75… boom! Now I enjoy listen her 20 tiny habits…
I absolutely love “why I am awesome file”. I am so happy you are posting regular content on here and IG stories. I listen to your “rich era” every morning to give me a boost. I am going to credit my millionaire status to you/this channel.💐🌼💕🙏🏼🙏🏼
Social capital wow! So true! As we get older our time seems so limited and it’s definitely a lot more challenging. We do think about our loved ones, and you’re right why not take that extra step to let them know we are thinking of them! Great content as always Rose 🌹 Thank you!
Great video! I'm stuck on #19... I have decades of leadership experience but unfortunately, what comes with leadership is you typically have someone (or in my case multiple admin people) do all the little things for you. I find it daunting to have to learn these skills to simply launch a TH-cam channel or IG page to generate income (or similar skills). I've gotten so used to "big picture/high level" thinking that I seemed to have forgotten the basics. It feels overwhelming.
Appreciate your continued dedication to helping average folks try to build wealth and not get rekt in the process, I love your confidence so keep shrugging off the naysayers. Your experience is clear and I look forward to your pragmatic and bullish viewpoints in a world that’s increasingly easy to get caught up in the constant negativity and bearish sentiment.... Long & short-term trading is generally safer, allowing investors to weather market volatility. I have managed to grow a nest egg of around 100k to a decent 432k in the space of a few months... I'm especially grateful to Evelyn Infurna, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
As a newbie, what do I need to do? How can I invest, on which platform? If you know, please share. I'm new to this, please how can I contact her?
Use her name to quickly conduct an internet search.
She's often interacts on Telegrams, using the user-name.
@Infurnaevely1
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
I’ve had my head in the sand for the past few years and it has finally caught up with me. Now I’m $90k in debt and filing for bankruptcy 😔 You’re tips are 100% what I should’ve been doing this whole time. 😤😭
Correction: It’s “ your “ tips “ not “ you’re”.
@@evergreen7213thank you, oh wise one. You’re correkshun of my fones autocorrected spelling airer is a life savor! 😚
@@evergreen7213 your so right! 😃 thank you for you’re input! 🤡
The term "brain juice" is now a permanent part of my vocabulary. Would also be a kickass band name.
just recently i have been using my free time to gather information and inspiration from people like you. thank you so much for sharing these things! it's soo real and helpful.
same here))) it helps a lot to stick to my financial goals and learn about more ways to achieve them
Literally cleaning while listening to this YT while talking about Tiny Habit #14!! Great video, lots of fantastic tips for everyone to take away.
Thank you... such great information.. I was diagnosed with two chronic illnesses last December and it has swerved my business plans massively and I'm having a hard time coming to terms with the reality of it... but I feel so positive after listening to your video.. some of those tips, especially the decision fatigue and the routine eat/wear/do ones can totally buy me some more energy back for putting into my business goals!!! Thanks again!
I don’t know your situation, but this is also a great time to learn more about how people are reversing their chronic illnesses in more natural ways. TH-cam sensors a great deal but I have to admit there’s a lot of good material out there anyway. A lot of chronic illnesses aren’t responding beautifully to the carnivore diet or the ketovore diet. Dr. Anthony Chaffee, MD, Dr. Ken Berry, MD, Dr. Shawn Baker, MD, Dr. Thomas Seyfried, MD, dr. Jack Kruse, MD, Stephanie keto person (experienced coach with a vast amount of knowledge for the keto approach), Darko Velcek has the most practical and inexpensive way to rehydrate that I have ever seen and it works like a charm, and a helpful eating plan that addresses so many issues in the body. JJ Virgin on inflammation/elimination diets to discover it that are not as strict as what some of the above mentioned doctors recommend. You would be astounded at the list of conditions that are vastly improving though. I hope some of these resources are beneficial to you, and if not, blessings, and I wish you the best on your health journey.
Aristotle believed that 'We are what we repeatedly do.
Excellence, then, is not an act but a habit.' Small, consistent actions build the foundation for success.
Focus on the tiny habits that align with your vision, and watch them transform your life over time.
Excellent video Rose ☺️🫶🏽Thank you as always for sharing
Imagine being a teacher, decision fatigue is sooo real!!! Everyday, we all are so tired by the end of the day! 😢😂
Such a good girl you are 😍😍 .. love hearing others thriving!! I to got rich with investing , anyone can do this with smart decisions, get outta that rat race people and live to work....not work to live 👏.. im 35 and live completely off my dividend portfolio!!! U can do it to
Hey, what kind of investing? 😊
This was one of the most complete and comprehensive approaches, in achieving an overall state of balance, in living a most harmonious and productive life. On the most general and simplest of terms.Thank you🌹🖐️😊
Listen to Jim Rohn for content like this. That's where she got these tips.
Being drop dead gorgeous helps too!❤❤❤
I love how all these “influencers” are so disconnected with how grossly behind 98% of folks are in order for this video to actually be of any use. For these tiny habits to be useful, they are being propped up by a foundation of education, safety, security, shelter, growth mindset, privilege, and money. She’s talking about waking up and being grateful, meditating, food prepping, and dollar cost averaging when 98% of people are worried about their next paycheck, eating top ramen, worrying about having shelter next month, and crushed by a mountain of soaring debt. This video needs to do a hard rewind on the hierarchy of needs and realize that this video is speaking to a very small % of people mostly in big metropolitan cities.
Her video is about getting rich. Maybe you should watch some other videos closer to the topic you're speaking about. Like how to stop living check to check, or how to make more money and get ahead.
@@thehousingvlog7034 hahahaha how do you think I retired at 38? Spoiler alert it didn’t start with me waking up to do a grateful exercise haha
@@1aadamso where’s your content if you think you know better?
Thank you. You remind me about my financial goals.
I like your videos because you mention practical steps one can use or follow and actually see the progress.
Instant sub! ❤ thank you for sharing these valuable tips!
These are awesome things that people can do if they dicide to kick away excuses.
I don’t make a grocery list. I take photos of my fridge & cabinets then put a couple of notes on those pictures as needed. Efficiency saves $$ 😊
I found I could skip the list and save a ton of money by ordering groceries and having them delivered. I can set my budget and plan my meals and add stuff as we run out throughout the week. Go through the cart and pull stuff out til it fits your budget. No impulse purchases and I have energy to organize it when it gets here.
There are base things that I buy at Costco -my single source olive oil, My basmati rice and massive jar of chopped garlic etc. and then there are lots of interesting cool and tasty things at Costco, which I only buy when they are the loss leader. I remind myself when I see something that I really enjoy that sometime during the year it’s definitely going to be on a loss leader and I can stock up on it then. That keeps me from buying that item at full price and keeps my budget nice and low
Very helpful thanks for the tips and motivation!!
This gotta be the best video ive watched on youtube. Hands down 🎉❤ thanks
Eat that frog is Brian Tracy's concept. Please give him his credit
Actually the term has been around for over 100 years. It is an idea that is most often attributed to a quote by Mark Twain. Brain Tracy just popularized it in today's world.
Just what I was coming to say and you came with the details I couldn't remember. 😂 @AK_AF_LB
Would you recommend saving and investing at least a little while I pay off my debt? It will take me 36 months. I am already retired. I hope to pay off my debt sooner with a side hustle but my question is do I save/invest while I retire the debt?
That will help in how you feel overall, but way out the debt interest versus the investment although investments do need time 😊
Yes not a straight out answer but giving you room to decide
Pay a bit extra every month towards your debt. You will be done in a year. It helps so much to pay more than the actual minimum, cuts so much time.
@@justbekind2024 that won’t work for me. I’m heavily in debt.
If you have a low interest mortgage, it's fine to do some investing. For high interest debt such as credit cards, pay that off ASAP.
I don't wanna be rich but i love all of these points and agree with them.
Very informative! Thanks for sharing ❤
Great video! Will be watching again with my pen and paper to take down all the helpful information given. New sub! ❤
Love the positive energy and power!!
The biggest thing we did to change our financial life was to get out of debt. We sold everything we could, cut out anything extra, tightened our belts for 2 years, and negotiated payoffs for all nonsecured debt. Then we started over, smart. Babysteps work these 20 things come after.
I just called the lady who help me with my washing to come do it after I got off the phone her a few minutes before watching this video telling her I was going to do it myself when she called. 😅Thank you 😊
when you wake up, try just thanking GOD and see what happen. Jesus Christ loves you.
All your adivises are GOLD! Thank you for sharing. You have no clue how your vlog changed and benefitted me. From the bottom of my heart, THANK YOU! ❤
Small wins equal huge wins in the grand scheme of things.
No 14 point whenever i do walking i watch your video it is veryinspirational and pratical🎉
thanks. I’m doing a side hustle that will be applied to debt but I feel better knowing I’m saving a little at least. The interest rates are mid-teens or lower.
I was doing about 5 of the 20 things. I like all of these… really practical ❤
Thank you Rose. This was such a great list! I'm so proud of myself coz I saw that I've actually been doing most of these already 😅❤
Loving the videos! Thank you for everything that you do! Wondering if you could post your smoothie recipe you drink every morning 🥰
Thanks Rose
Great video. Really useful tips👍🏾
I love this .....i believe this knowledge is going to make a huge difference in my life,Thank you Rose.
I found this video very very useful, the information regarding procrastination and non negotiable investing. Thank you -loving your hair colour.
Max out my wife's roth IRA...plus she'll have a teacher pension (hopefully). I put 15% into my TSP(401k), max out an HSA and will get a fed govt pension.
It took us 10 years to get close to debt free, but we never sacrificed investing during the time we tried to tackle the debt. Glad we never stopped our investing.
Do you 15% TSP traditional only, or TSP IRA. as well ?
I m still debating putting my TSP IRA at my federal job vs. Roth IRA at fidelity
Thank you for all the tips they were very helpful.
Thank you so much that was interesting 👌you speek concrete, no "water".
God bless you❤
New sub and thank you for this information! Goals listed and working on habits i am resonating to. 👍🏽🧘🏽🛐♥️☺️
beauty and nice knowledge ... good...nice ... you are also perfect.... 🙂
The next stage is how to stay rich. Life happens and $FOMO$ is at an all time high.
What a great list of tiny habits. Thank you Rose for your generosity ❤
Thank you for sharing, appreciate your content!! 🙏
Hello Rose & Hello beautiful souls watching this too!!!🤍
Noted📝 thanks Rose❤.
Incredible insight at 15:40 about taking action before feeling ready. Thanks for the motivation! 😍😍
Excellent video! Thank you.
Thank you
Lucky to find out your channel Rose ❤
MY GOODNESS I LEARNED A LOT FROM YOU!
Thank you for all these great tips, I understand now why I don’t achieve any of my projects 😊 but this video really inspires me to change. And if you’re looking for “someone new” for lunch, let me know 😊, thank you though
Common sense but good to have someone to remind it ! Love your videos, worked for me !
The only thing about eating the same thing over and over is that can impact your gut microbiome. Maybe having even 3 different smoothie combos and having a rotating schedule like smoothie A on monday and thursday, smoothie B on tuesday and saturday, and smoothie on C on wednesday and sunday, and something different on fridays that isnt a smoothie or do some fasting instead. Would be a bit better than the same smoothie every single day for months on end. Diversity for your gut is good.
Great points. I live with some of these principles but you mentioned a handful I'd like to implement ❤
Hey Rose Han what are the benefits of you investing a certain amount of transfer to a index fond each month? I know its very good to invest in indexfonds and stocks in general. The more you invest in a indexfond, the higher yield you will get when they release yield?
Currently at tiny habit #4. What are the index funds you put your money in (if you’re ok sharing them)?I have a fidelity account and have a couple of index funds I put my money in, automatically every month, but I believe I could pick better index funds.
For real you hitting the right target.😂❤
Love your summaries at the end of your videos.
I do agree with her about social media. A waste of time if it is not making you money or helping you in some way.
Thanks sis for the points. I will add something to number 10, look at your itemized bills, you will be surprised about weird sneaky fees that can be avoided. Also looking at your credit card statement, you can watch out for unauthorized purchases. I see this from restuarants now, adding automatic gratuity even after you still.paid for it
I saw your book available for pre-order on Amazon. Congratulations! 🎊
i absolutely love this. really amazing tips i never thought of, thank you so much you got yourself a new subscriber!
This is treasure! ❤ inspiring and valuable tips
Thank you! This was so helpful!
@18:00 You should start intermitted fasting and move in the direction of a more Ketogenic diet.. saves you a lot of trouble in this area.. I'm usually at my clearest when I dont eat
Thank you Rose. Awesome
Simple and useful tips. I loved how you gave examples as well. Great video❤
I love your hair colour! Suits you so well!!
Love this, thank you❤
So helpful thank you for this list!!
I like this a lot. It is very helpful for just those like me who are just trying to motivate myself out of depression to
Keep living. I appreciate it.
Thank you Rose ❤🙏
Love your energy! Always constructive and inspiring ❤
Love your channel, Rose!
Not everything you said I think apply to me , some of them I already do but the documenting acomplishments really changed my perspective .
Love this video! Thank you so much!
But also, not going shopping with a empty stomach ❤
These are great tips! I do think that we can also become obsessed with making more money and there needs to be a balance to be able to enjoy life too not just earning and saving more.
Thank you so much for your video. Hands down, one of the best 'Habits to make you rich' videos. Most of the time they are not worth your time. Great content, great explanations!
I’m memorizing this list.
Rose, your videos are so inspiring! Also, I love Emily in Paris😆! Just started my TH-cam channel for my pets… You motivate me to keep going and reach my goals. Thank you for your words of wisdom. 🙏
I’m so grateful for you valuable sharing. This video is life transforming❤