Lol thank you!!! These are really necessary for videos like this. Rose is so amazing with her in depth videos covering other financial topics, but this one could have been done at least in the 8 min minimum. 2, 4, 6, 9, & 10 literally don’t apply to like 90% of men.
You’re not old, you’re growing up and maturing. I have 3 children in their 30’s and I see the same behavior in them. And believe me, they all really “enjoyed” their 20’s. Congratulations! Looking back on my life, I think the 30’s are the best years. You’re still young but not immature. People will take you more seriously as well. If you were my daughter, I would be very proud of you!
One thing the pandemic taught me is that while I LOVE makeup, I don't need to keep buying items just because they are on sale. I only wait to buy an item if I am out of it now. I am being more sustainable AND saving money.
@@sophie_4240 i just remind myself that i have to wear a mask everywhere i go, so no need to waste lipstick or buy New ones until everything gets better 🙈
Guys, there will come a time when you realize you have finally enough money to afford that dream car. Don't. Do. It. Get something cheap until that dream car only represents a tiny percentage of your net worth, then you can get it.
This is a great video about how we're all victims of marketing--making us feel like we're not good enough with who we are or what we got, and that we have to consume, consume, consume to become our best selves.I wish I could go back and explain this to my adolescent and young adult self.
I'm about to be 26 and the pandemic has got me thinking really hard on this topic. I've stopped buying food outside which has saved me 75% of expenses.
I'm so glad I found you! Fast fashion is something I've definitely given up as I turned into late 20s. It's just not worth it. I've also given up: 1. Super fancy skincare (I invest in the essentials) 2. Regular salon visits (home DIYs are excellent) 3. Looking at malls/cafes as the only way to kill time (and a shitload of money) on a weekend
Yes on #3!!!! My husband and I used to go shopping once a month to kill time (we are from a small town with not much to do). Since covid happened we have been staying home and saving money! Now our favorite thing to do once a month instead is getting something nice to eat at home. It is usually cheaper since we love mom and pop restaurants (more affordable).
10 things I don't buy in my 40's: 1. Designer cologne 2. Gifts on Xmas 3. Souvenirs while traveling (magnet only) 4. new clothes 5. deserts when eating out 6. Clubs 7. Alcohol/drugs- for sure 8. taking tabs for people I barely know 9. Car accessories 10. Unnecessary hotel stays
I am 31. Something I will no longer buy or buy as often in my 30s are concert tickets. I have seen all of my favorite artists in my 20s. My goals for 30s is definitely to increase my travel budget. I also want to invest in better work wardrobe once Covid is over with.
Travelling to be honest is the worst money sink.... unless you are making travelling content as an attempt to earn some income. Concert haha, never even went in my 20s, a pair of high quality headphone gets the job done, concert either plays the song you've listened for over 100 times or plays the song you don't even vibe with.
@@seth7712 Do what your heart feels🥰 I feel like I just saw every artist on my bucket list and did it a whole lot. Now I want to take the money for that and use it on travel instead.
@@MarcoAshford It's all about the experience for me. The fun while you are young, seeing your favorite artists while they are alive and well. I am sure most who had the chance wish they could have saw Michael Jackson in his prime. I never was the person who went to happy hours, or clubs so as an introvert concerts were definitely my thing. And a whole year in the pandemic the majority have been cancelled so you never know where life goes.
They're what sports cars are to guys. Over priced, uncomfortable and impratctical, but they make guys stare and give the false impression of a few extra inches.
When I was in my 20s, I used to go out to the bar/clubs every weekend, throw money away on drinks, go out to eat all the time, buy boba every other day. I spend most of my money now on bills, groceries, and investments. I save a little to splurge on once in awhile to go out to eat on occasion but that's about it.
Love it! I am going through my childhood bedroom to see how many items have truly collected dust the last 10-15 years. It's truly amazing how little stuff we actually need, not to mention actually use
I appreciate the honesty in this video, as we get older, our priorities change and we also get to know ourselves better. So yes to sustainable quality clothing, yes to budgets and yes to being comfortable :)
I'm with you on all of these points Rose!! Especially the extra makeup, I've also figured out what works for me and have narrowed it down to a handful of products and I save so much money! I guess our 20's really are when we are learning about ourselves so I'm not too hard on myself for all those purchases, just glad I don't do it now! Thanks for another great video!
Yeah I’m glad I’m 27 and have come to realize that there’s no point in having the latest luxury brands if I have no extra money to show for it. I think maybe one big purchase a year is good. So many IG “influencers” put themselves in debt trying to flaunt a life they don’t have.
Thank you, Rose, for sharing this. I am very excited about reading through all the comments and getting even more ideas. Here is my contribution: I no longer buy household cleaners, but instead use simple, healthier cleaning options, which are versatile and cost pennies. Vinegar is good for all-purpose cleaning and the smell, which my kids used to complain about, dissipates quickly. I cannot abide the smell of bleach or the fact that it is caustic so Peroxide has become a good friend during the pandemic. I refill a spray bottle and often spray frequently touched surfaces such as light switches, toilet handle, door knobs, etc. Remember to let sit before wiping. Toilet bowl cleaner? Baking soda works better and costs pennies. It also works very well for cleaning sinks both stainless and ceramic. Rinse well. It is also fantastic for cleaning fruit and vegetables if you do not buy organic. Wood cleaner? Make your own by mixing vinegar, water, and orange oil or another essential oil. Bathroom cleaners can be made using Tea Tree oil. Laundry detergent? Pure Castille Soap and a cup of vinegar added to the rinse water.(Buy the store-brand gallon size vinegar for best economy) Fabric softener? Take a pass. Most are too strongly scented and I just don’t need the chemicals against my skin. I use my dryer as little as possible anyway. I love for my bed linens to smell of outdoors. Drying racks are effective in the winter. I place mine in front of the heating vent to add a little moisture back into the air. Saves me running a humidifier. Lawn chemicals? Just say NO. My philosophy is that as long as the yard is green, it’s good. We don’t need to compete with our neighbors. All it’s doing is killing off the pollinators, which we desperately need, and running directly into the water table. The more natural we leave our yards, the more they can be shared by wildlife :) We definitely need far less than we’ve been programmed to believe we need. And much of what we have been programmed to believe we need is very bad for us and downright irresponsible to sell.
when you're trying to safe more money but all the videos tell you things to cut ouf your life that I never even did or had to begin with.. -.- anyone who can relate???
Yes, I'm in this case as well. I very rarely buy alcohol, make-up. I don't have any subscriuption service. I go to the hair salon once a year. And so on and so forth ^^
Wow Rose, I really resonate with you on a lot of those now that I’m in my late 20s. Especially on high cost beauty treatments like eyelash extension and gel manicure. After quarantine, I realize I’m just fine without them and they are definitely costly in terms of time and money. I wonder how much I could have saved these years if I didn’t get them done so regularly. Also, I really agree with the makeup part too. Guess I’m at the right trajectory ☺️☺️
Im so glad I found your channel. I just turned 31 this month and finally sat down to create a spreadsheet about the debt that had been carried over from my 20s, as well as taking a hard look at my spending habits. I probably spend most of my salary on the things you have listed and more, which doesn't help me to met financial freedom and instead doomed me to mainly pay off debt with little to no savings after each paycheck. Furthermore, since the start of the pandemic, I realized that my current savings were not sufficient to help me with emergency fund. I am taking a really hard look at my income and spending, and will need to work extra hard to build an emergency fund. I appreciate your video which confirms that bad spending habits will only make oneself poorer. I hope to save around $20k-30k for the next two years and eliminate the need for discretionary spending which does not benefit me.
I really need to make a video about this as well. There are many things that I'm no longer willing to spend money on in my 30s that I though was cool in my 20s. I'd rather buy stocks over most consumer items!
amazing video! I am 32 and a hoarder and tryin to change for the better. This yr 2020 is a wake up call for us to save money and invest wisely . New sub here! Thanks for the reminder that we dont need to impress everyone and a minimalist lifestyle is a lot better. 😊
Same same same. I regret buying all the heels and clothes for clubbing in my 20's. Also agree about souvenirs. So many useless knick knacks collecting dust and creating clutter. Great tip about hiring a photographer instead!
Love the content of this episode a lot! And agreed with the philosophy. 👏👏 I’m in my middle twenties, still in school but started my fidelity account and very first investment because of watching your channel. (Even working on the CFA now; lol) Long way to go; and, Thank you Rose !
My cousin once told me that she saves movey by deciding consciously every time she sees something in the store that catches her eye 'to sleep on it', meaning if the next day she still thinks that that thing is worth buying, she'd return to the shop to buy it. It helps me a lot it life.
And I am more money educated in my 40s thanks to google, TH-cam and TikTok. “Formal education will make you a living, self education will make you a fortune “- jim rohn
Am entering my 30s soon ( in 3 month's) am so encouraged by your video because it has confirmed a lot of things I have been going through. It's all part of growth. Thank you
This is mostly just your preferences changing. Anyone can say "Hey, give up all the things you love right now and you'll save a lot of money!" Of course I can save money by drinking only water, eating only salad, wearing flat shoes, and living in a studio apartment. However, you'd also find me climbing the clock tower a few weeks later.
I think at least some were also about realizing money's worth (eg. the gym membership). And she even says partway into the video that she's not judging other people for their purchases, but I think it's helpful to hear. I suspect that she has more flexibility in her schedule, running her own business, than she did on Wall Street, which probably helps w/ meal prep and packaged foods. But it's interesting to think about anyhow. As a woman with more textured hair that's frizzier than hers, I definitely do not intend to give up my hair straightening treatments, but conversely I never drank so alcohol was never an expense for me. But knowing how expensive many of the things she mentioned can get, I think it is worth at least thinking about the extent to which one can consume in more moderation, just like w/ meat consumption w.r.t. animal welfare and the environment.
Back then in my 20's when I see things on sale and it's a really good deal, i buy it even if I don't need it or end up not using it. I keep thinking I 'need' things. I am more in touch with my values and always carry a note with me that asks "how will this item contribute in my life? Does it help me obtain my goals? can i afford?" if not, then i don't buy it, even if it is on sale. Now that I am in my 30's, well the issue I have is that i love love food and i don't want to stop going out to eat at restaurants. I learned to eat it in moderation instead! I agree with you that I became a person who values "quality over quantity". I see my clothes that I bought back then and I'm like ugh. But the nice clothes that I have that have quality makes me feel amazing and I want to keep using them forever.
Sounds like you're exploring minimalism. So am I. Minimalism not only help save physical and mental space but definitely help simplify one's finances and time. *It's looks different for everyone but very modifiable.
Wished I had been so wise when i was in my 30s! Your maturity & wisdom is a blessing that will definitely enrich you. Shared your thoughts and video with my son who is moving towards his 30s!
Totally agree. I don’t buy makeup aside from a concealer stick and a lipstick (rarely worn at that!). No souvenirs because I take pics. Alcohol is such a waste of money.
You are such a good influence! It's so refreshing to hear someone my own age not focused on physical appearance. You have inspired me to re-prioritize. Thank you :)
Another thing no one ever mentions is being fat. clothes are more expensive, harder to find and rarely make you feel or look good which leads to more shopping. Getting down to a healthier weight helps you save a lot of money and really contributes to a happier healthier lifestyle. That’s what I’m working on, I will not allow myself to buy any more clothes until I have to replace what I currently own with smaller sizes. Love this vid, I have watched it more than once.
So true… having been heavier for a while it feels good replacing the appetizer plate with conversation and water, and less money spent. I am starting to shrink and saving money, too! Plus I have energy to do things, like go in the pool rather than shop on line.
Whole Foods too!!! Honesty you have to shop around to find good deals. Just today I found cucumbers 3 for $2. Whole Foods has gotten a little cheaper too....their frozen fruit is only about $2-3 dollars and I like them better than Trader Joe’s. But Trader Joe’s is really good if you want Whole Foods at a good price
Also, I think she meant for a $10 green juice at a juice store you can buy all the ingredients for the same price at Whole Foods and actually make way more for your buck
Shaun Archer yeah, Whole Foods does have some good deals, especially on their bulk dry stuff (like lentils, beans, nuts) or if you use the Amazon Prime QR. But sometimes I don’t want to have to hunt for a deal - everything at Aldis is a deal, lol
Thank you for all your helpful tips Rose!!!! A lot of other people taking about the same topic, but I only feel you are truly honest and talk out of your heart because you really does want to help everyone!!!
It’s Jeffrey, great advice! I love the journal idea on trips. You need to work through this stuff. Karen and I are together/married for 30 years and have learned lots. Now we are sharing tips on how to live your best life.
The h&m and F21 have really lost its hold on me. I was sad to see it go but so excited when I was able to earn more and get out of the fast fashion cycle. Now TJ Maxx is another thing
I am not even 20 yet, but I'm sooo on this wragon! Rose looks amazing and proves that simplicity and minimalism truly is the key to not only a better financial life, but overall happiness. Super cliche to say, but it isn't the loads of clothing and stilettos that's gonna make you happy.
I completely agree and over time I have stopped buying many of these items as well. I definitely don't have the time, money, or energy to buy all the lashes, hair products, nails, etc. I love that you embrace your natural beauty and hope other women find this inspiring. One item I would add to cutting cost/avoiding are all those dang subscription purchases. Seriously, I don't need vitamins, cleaning supplies, makeup, or whatever else people try to push to trap you into buying their products every month buy offering a discount with a subscription. If I buy it once and like it, then I'll buy it again. Stop with the traps!
I love this! So wise(: Honestly your hairtype is probably what most people want...between straight and curly. I do giggle every time you say, "now that I'm getting older" You're young and you have the advantage of seeing yourself and surroundings in a different light than most. Not buying fast fashion is also environmentally and ethically more sound! I like a good consignment shop (many items still have the tags on them) You cam but quality clothes for less and again more ethically and environmentally friendly
Amen to the alcohol! 🙌 i decided to go completely sober at 26 for health and money reasons. Tbh, I’m extremely introverted so I never “partied” but those alcohol costs still add up when you have a drink at dinner or go out to a girls date at a vineyard. I never really liked the taste either except for a select few kinds. I mostly drank from social pressure. Going completely sober was easier than I expected as everyone didn’t really care. I was afraid of the peer pressure but everyone was really cool with it. I also bring my water bottle with me everywhere including on vineyard dates with the girls ❤️
This is just the perfect time for me to watch this video, on January next year (which is less than 3 month) I'll be 30 and i will be very happy to reevaluate my finance and this video helps me to do that. thank you Rose!
Just last year I used to buy random fast fashion clothes & >$50 of makeup every couple months 😳 Now I only buy makeup or skincare as needed & keep all my clothes! Always enjoy the new videos, Rose! 🤟
I’m 23 and don’t buy 9/10 of these things anymore. I love being minimalistic and mindful of my life and the whole planet💕 I wish everyone in their 30’s (or anywhere up) valued minimalism so I’m proud that you’re smart enough to free yourself from all the chaos society pushes on us😁
Ayy I am on mid 20s too and mastered some of her not-to-buy things, yeah some people will question why you don't buy this or that...it is for our well-being and future sake after all
As a 29 year old I can relate to how I feel when I eat junk. I like how you admit that you still do indulge in certain purchases, because you're admitting to your audience that nobody's perfect and you're also explaining the concept of moderation, which is something that I really need to improve on. This video makes so much sense and thank you for sharing it. 🙂
I can definitely relate to a lot of these. I spend a little more on good quality clothes but I buy less and make sure my wardrobe has items that coordinate well with each other, it's so freeing decluttering all that btw. I also don't buy souvenirs anymore, I invested in a good camera and just take photos on my trips and then compile them in a personalised photo/coffee table book. The more we learn about ourselves the more comfortable and accepting we become with the idea that happiness truly does come from within and we don't require such upkeep to conform to standards that actually don't reflect reality or serve anyone.
Can you please make a video on your capsule wardrobe? I am really into this concept! I always end up wearing the same classic pieces and I am looking to save and de clutter!
Wow, being a guy is so much easier. I'm never tempted to get eyelash extensions or buy stilettos. I did buy a $100. Stiletto hammer, but that was ten years ago and I am still using it. My wife gets her roots done every six weeks or so but I am quite happy to have snow on the mountain. The only makeup I ever bought was camo for bow hunting, that $8. purchase lasted years until I lost interest.
Guys still have their BS they prolly don’t need to be spending money on. For example I know my cousin who loves working out has expensive gym memberships which have diminishing returns after a certain point (once you’re jacked you’re jacked and don’t really need to keep going to the expensive gym thereafter...) he spends a lot of money on protein powder and pre workout which doesn’t really seem to make a difference tbh.
It must be! Even on a basic level, we need twice the amount of undies, at least twice the amount of hair care products, feminine hygiene, and that's before we get into how expensive female haircuts are, make up costs, etc. Thank goodness we get paid equally...oh wait 😂😭
On point Rose! This list sounds like what almost every woman living in NYC was doing before the pandemic and definitely what I did in my 20s. Most of this stuff is socially motivated. But when you want to buy a car or a house or just have savings, you tighten up and start packing those lunches real quick lol
I always love these "Things I Don't Buy Anymore" type videos where it's always like: I used to blow my money, now I don't. I never had that type of money to blow. WTF? I was a uni student...
Good afternoon Rose, thanks for the video it really happens to those who need a non professional's recommendation on being smarter with personal money management than just going crazy thinking of having a job or worst yet that y.o.l.o. keep enjoying your time and getting into better overall shape-up in your journey in life. GOD bless you and take care.
Was watching it and stopped everything to create my Flytographer account, thank you for this tip, flipped my day! I'm a photographer just landed in Seoul and, as anyone, trying to survive this covid situation. Please, be my guest if you pass by Seoul, you're welcome for a few shots.
Ever since i got into savings money and investing, i noticed i find it difficult now to spend money on things that i like. I have this mentality now that just because you can afford it doesn't mean you should buy it.
same with me! what is crazy is before i started saving/investment i was a careless spender... i’m sure i spent thousands on coffee/eating out/low quality clothes. now it’s like i can’t even bring myself to spend money. once you shift your intentions it’s crazy how much you save.
I just turned 30 this year, wish i knew this when i was younger, but it's not too to start over and improve my life and finally one day become financially free..Ty for this profound insights ❤❤❤
Just an FYI Dave Ramsey is not the original quoter! This is a really popular quote from either the book or movie "Fight Club," but has been around even longer than that.
Loved this video! As a 23yr old, my biggest expenses are food and clothing. I would love a deeper dive into your meal prep and capsule wardrobe. How did you get started? What resources and tools do you use to plan meals and find recipes?
I've never spent any money on those things on my 20s and I'm still not doing it now when I'm almost in my 40s. Was never a "party" kind of person. But I did spend my money on traveling and on spending 3 months in Korea learning the language. Great experience btw. I'll need to discover how else I can save more money then haha😅
1. Alcohol
2. Extra Makeup
3. Souvenirs
4. Fast fashion
5. Expensive Gym membership
6. Expensive hair & beauty treatments
7. Overpriced salad and smoothies
8. Packaged foods
9. Magazines
10. Stilettos
Thank you! Was looking for this post 😊
Naughty naughty 😊
Ugh.
You're the best
Lol thank you!!! These are really necessary for videos like this. Rose is so amazing with her in depth videos covering other financial topics, but this one could have been done at least in the 8 min minimum. 2, 4, 6, 9, & 10 literally don’t apply to like 90% of men.
You’re not old, you’re growing up and maturing. I have 3 children in their 30’s and I see the same behavior in them. And believe me, they all really “enjoyed” their 20’s. Congratulations! Looking back on my life, I think the 30’s are the best years. You’re still young but not immature. People will take you more seriously as well. If you were my daughter, I would be very proud of you!
One thing the pandemic taught me is that while I LOVE makeup, I don't need to keep buying items just because they are on sale. I only wait to buy an item if I am out of it now. I am being more sustainable AND saving money.
I needet to do that, the sales be getting me 🤣.
i can resist foundie, eyeshadow and stuff, but lipstick??? I cant :( how do i stop to think about it?
Words to live by.
@@sophie_4240 i just remind myself that i have to wear a mask everywhere i go, so no need to waste lipstick or buy New ones until everything gets better 🙈
Guys, there will come a time when you realize you have finally enough money to afford that dream car. Don't. Do. It. Get something cheap until that dream car only represents a tiny percentage of your net worth, then you can get it.
This is a great video about how we're all victims of marketing--making us feel like we're not good enough with who we are or what we got, and that we have to consume, consume, consume to become our best selves.I wish I could go back and explain this to my adolescent and young adult self.
Hear! Hear!
I'm about to be 26 and the pandemic has got me thinking really hard on this topic. I've stopped buying food outside which has saved me 75% of expenses.
I don't know how Rose does it but she literally exudes happiness and enthusiasm. Fascinating woman.
In my 30s, I no longer buy stuff that doesn’t need replacing. Like headphones and clothes. If they aren’t broke I’m not buying
Oh! What a beautiful rule of thumb. ❤
I'm so glad I found you! Fast fashion is something I've definitely given up as I turned into late 20s. It's just not worth it. I've also given up:
1. Super fancy skincare (I invest in the essentials)
2. Regular salon visits (home DIYs are excellent)
3. Looking at malls/cafes as the only way to kill time (and a shitload of money) on a weekend
Yes on #3!!!! My husband and I used to go shopping once a month to kill time (we are from a small town with not much to do). Since covid happened we have been staying home and saving money!
Now our favorite thing to do once a month instead is getting something nice to eat at home. It is usually cheaper since we love mom and pop restaurants (more affordable).
10 things I don't buy in my 40's:
1. Designer cologne
2. Gifts on Xmas
3. Souvenirs while traveling (magnet only)
4. new clothes
5. deserts when eating out
6. Clubs
7. Alcohol/drugs- for sure
8. taking tabs for people I barely know
9. Car accessories
10. Unnecessary hotel stays
#8 definitely got to stop that
Might as well stop breathing. What is this
So cheap
@@nazfarahani2010 lol
ThankYou 🙏🏾 In my mid 20’s - this year I listed some of these things I wouldn’t do
As a fellow TH-camr I really felt the “I only do my makeup and hair for you guys” moment
And we appreciate it as long as you don't over do it, in that case no makeup is better
"There is nothing cute about maxxing out your credit card" 👈💯❣️
31, can confirm all this is accurate.
Same girl, same.
46
You need backup?
36, besides the makeup thing. Love doing my makeup!
I am 31. Something I will no longer buy or buy as often in my 30s are concert tickets. I have seen all of my favorite artists in my 20s. My goals for 30s is definitely to increase my travel budget. I also want to invest in better work wardrobe once Covid is over with.
Travelling to be honest is the worst money sink.... unless you are making travelling content as an attempt to earn some income.
Concert haha, never even went in my 20s, a pair of high quality headphone gets the job done, concert either plays the song you've listened for over 100 times or plays the song you don't even vibe with.
That's a good point. I'm debating travelling to the other coast TO go to a concert... I may not after reading this comment
@@seth7712 Do what your heart feels🥰 I feel like I just saw every artist on my bucket list and did it a whole lot. Now I want to take the money for that and use it on travel instead.
@@MarcoAshford It's all about the experience for me. The fun while you are young, seeing your favorite artists while they are alive and well. I am sure most who had the chance wish they could have saw Michael Jackson in his prime. I never was the person who went to happy hours, or clubs so as an introvert concerts were definitely my thing. And a whole year in the pandemic the majority have been cancelled so you never know where life goes.
“Stilettos are cute but there’s nothing cute about being broke and maxing out a credit card”
Something I wish an ex of mine would learn..and yes she's in her 30's
They're what sports cars are to guys. Over priced, uncomfortable and impratctical, but they make guys stare and give the false impression of a few extra inches.
@@mortenborges3895 😂
Nothing cute about bunions or not being free to run, climb, hike.
Stillets look good when they're worn and in the air. :)
When I was in my 20s, I used to go out to the bar/clubs every weekend, throw money away on drinks, go out to eat all the time, buy boba every other day. I spend most of my money now on bills, groceries, and investments. I save a little to splurge on once in awhile to go out to eat on occasion but that's about it.
Funny.. I don't buy any of these things but I'm still broke 😂😭
exactly, got nothing from this video!
Ikr. I never even bought these in my 20s. Why am i here.. 🙄
same 😂
🤣🤣
Well what’s your budget on food and restaurant costs? And you should probably either work more or ask for a raise if your problem isn’t spending
Love it! I am going through my childhood bedroom to see how many items have truly collected dust the last 10-15 years. It's truly amazing how little stuff we actually need, not to mention actually use
I appreciate the honesty in this video, as we get older, our priorities change and we also get to know ourselves better. So yes to sustainable quality clothing, yes to budgets and yes to being comfortable :)
I'm with you on all of these points Rose!! Especially the extra makeup, I've also figured out what works for me and have narrowed it down to a handful of products and I save so much money! I guess our 20's really are when we are learning about ourselves so I'm not too hard on myself for all those purchases, just glad I don't do it now! Thanks for another great video!
So basically in ur 30s, u just don’t give af about trying to impress anyone
No you don’t have to impress anyone to like you on how you look. It’s mostly what’s inside is what they should like about you.
You realize the value of money. It’s really not about impressing people basically making sure you are financially secure.
Yeah I’m glad I’m 27 and have come to realize that there’s no point in having the latest luxury brands if I have no extra money to show for it. I think maybe one big purchase a year is good. So many IG “influencers” put themselves in debt trying to flaunt a life they don’t have.
That’s true!
After 40 you turn invisible so it’s impossible to impress anyone.
Thank you, Rose, for sharing this. I am very excited about reading through all the comments and getting even more ideas. Here is my contribution: I no longer buy household cleaners, but instead use simple, healthier cleaning options, which are versatile and cost pennies. Vinegar is good for all-purpose cleaning and the smell, which my kids used to complain about, dissipates quickly. I cannot abide the smell of bleach or the fact that it is caustic so Peroxide has become a good friend during the pandemic. I refill a spray bottle and often spray frequently touched surfaces such as light switches, toilet handle, door knobs, etc. Remember to let sit before wiping.
Toilet bowl cleaner? Baking soda works better and costs pennies. It also works very well for cleaning sinks both stainless and ceramic. Rinse well. It is also fantastic for cleaning fruit and vegetables if you do not buy organic.
Wood cleaner? Make your own by mixing vinegar, water, and orange oil or another essential oil.
Bathroom cleaners can be made using Tea Tree oil.
Laundry detergent? Pure Castille Soap and a cup of vinegar added to the rinse water.(Buy the store-brand gallon size vinegar for best economy)
Fabric softener? Take a pass. Most are too strongly scented and I just don’t need the chemicals against my skin. I use my dryer as little as possible anyway. I love for my bed linens to smell of outdoors. Drying racks are effective in the winter. I place mine in front of the heating vent to add a little moisture back into the air. Saves me running a humidifier.
Lawn chemicals? Just say NO. My philosophy is that as long as the yard is green, it’s good. We don’t need to compete with our neighbors. All it’s doing is killing off the pollinators, which we desperately need, and running directly into the water table.
The more natural we leave our yards, the more they can be shared by wildlife :)
We definitely need far less than we’ve been programmed to believe we need. And much of what we have been programmed to believe we need is very bad for us and downright irresponsible to sell.
when you're trying to safe more money but all the videos tell you things to cut ouf your life that I never even did or had to begin with.. -.-
anyone who can relate???
Yes, I'm in this case as well. I very rarely buy alcohol, make-up. I don't have any subscriuption service. I go to the hair salon once a year. And so on and so forth ^^
Wow Rose, I really resonate with you on a lot of those now that I’m in my late 20s. Especially on high cost beauty treatments like eyelash extension and gel manicure. After quarantine, I realize I’m just fine without them and they are definitely costly in terms of time and money. I wonder how much I could have saved these years if I didn’t get them done so regularly. Also, I really agree with the makeup part too. Guess I’m at the right trajectory ☺️☺️
Im so glad I found your channel. I just turned 31 this month and finally sat down to create a spreadsheet about the debt that had been carried over from my 20s, as well as taking a hard look at my spending habits. I probably spend most of my salary on the things you have listed and more, which doesn't help me to met financial freedom and instead doomed me to mainly pay off debt with little to no savings after each paycheck. Furthermore, since the start of the pandemic, I realized that my current savings were not sufficient to help me with emergency fund. I am taking a really hard look at my income and spending, and will need to work extra hard to build an emergency fund. I appreciate your video which confirms that bad spending habits will only make oneself poorer. I hope to save around $20k-30k for the next two years and eliminate the need for discretionary spending which does not benefit me.
Great video, Rose!
Fast fashion is definitely a big one that I’ve been working on.
I really need to make a video about this as well.
There are many things that I'm no longer willing to spend money on in my 30s that I though was cool in my 20s.
I'd rather buy stocks over most consumer items!
Definitely rather own some Apple shares than the new Iphone 12
Same here.
I had the same bad terrible spending habits in my 20s. Self-reflection..
Rose, you really make a lot of sense in your videos. Keep it up! You are motivating a lot of people to better their lives (including me).
Great video Rose. A rich person is the one who needs the needs the least, not the one who has the most.
Yesssssss I’m turning 30 in 2 months and I’ve already adopted some of these!!! Thanks for the reinforcement!
I would love to see you make a follow-up video about the 10 things you now buy in your 30s!
amazing video! I am 32 and a hoarder and tryin to change for the better. This yr 2020 is a wake up call for us to save money and invest wisely . New sub here! Thanks for the reminder that we dont need to impress everyone and a minimalist lifestyle is a lot better. 😊
Same same same. I regret buying all the heels and clothes for clubbing in my 20's. Also agree about souvenirs. So many useless knick knacks collecting dust and creating clutter. Great tip about hiring a photographer instead!
This was so on point! I just turned 35 and this made me put into perspective that I’ve been spending a lot less money these things.
Love the content of this episode a lot! And agreed with the philosophy. 👏👏 I’m in my middle twenties, still in school but started my fidelity account and very first investment because of watching your channel. (Even working on the CFA now; lol) Long way to go; and, Thank you Rose !
My cousin once told me that she saves movey by deciding consciously every time she sees something in the store that catches her eye 'to sleep on it', meaning if the next day she still thinks that that thing is worth buying, she'd return to the shop to buy it. It helps me a lot it life.
And I am more money educated in my 40s thanks to google, TH-cam and TikTok. “Formal education will make you a living, self education will make you a fortune “- jim rohn
As a fellow mid 40’s I have a question. Why Tik Tok?
@@taoist32 I learned more about finance and investing strategy on there by people who are doing it
@@zeandrelee5365 Oh, very cool. Never been interested in Tik Tok.
@@taoist32 up to you, I like learning anywhere i can, especially free education, can’t complain when its free
@@taoist32
Don't use tik tok
Am entering my 30s soon ( in 3 month's) am so encouraged by your video because it has confirmed a lot of things I have been going through. It's all part of growth. Thank you
This is mostly just your preferences changing. Anyone can say "Hey, give up all the things you love right now and you'll save a lot of money!" Of course I can save money by drinking only water, eating only salad, wearing flat shoes, and living in a studio apartment. However, you'd also find me climbing the clock tower a few weeks later.
I think at least some were also about realizing money's worth (eg. the gym membership). And she even says partway into the video that she's not judging other people for their purchases, but I think it's helpful to hear. I suspect that she has more flexibility in her schedule, running her own business, than she did on Wall Street, which probably helps w/ meal prep and packaged foods. But it's interesting to think about anyhow. As a woman with more textured hair that's frizzier than hers, I definitely do not intend to give up my hair straightening treatments, but conversely I never drank so alcohol was never an expense for me. But knowing how expensive many of the things she mentioned can get, I think it is worth at least thinking about the extent to which one can consume in more moderation, just like w/ meat consumption w.r.t. animal welfare and the environment.
Back then in my 20's when I see things on sale and it's a really good deal, i buy it even if I don't need it or end up not using it. I keep thinking I 'need' things. I am more in touch with my values and always carry a note with me that asks "how will this item contribute in my life? Does it help me obtain my goals? can i afford?" if not, then i don't buy it, even if it is on sale.
Now that I am in my 30's, well the issue I have is that i love love food and i don't want to stop going out to eat at restaurants. I learned to eat it in moderation instead! I agree with you that I became a person who values "quality over quantity". I see my clothes that I bought back then and I'm like ugh. But the nice clothes that I have that have quality makes me feel amazing and I want to keep using them forever.
Sounds like you're exploring minimalism. So am I. Minimalism not only help save physical and mental space but definitely help simplify one's finances and time.
*It's looks different for everyone but very modifiable.
Wished I had been so wise when i was in my 30s! Your maturity & wisdom is a blessing that will definitely enrich you. Shared your thoughts and video with my son who is moving towards his 30s!
Totally agree. I don’t buy makeup aside from a concealer stick and a lipstick (rarely worn at that!). No souvenirs because I take pics. Alcohol is such a waste of money.
You are such a good influence! It's so refreshing to hear someone my own age not focused on physical appearance. You have inspired me to re-prioritize. Thank you :)
So i smashed the like button before watching knowing that this vid will be so good as always.
Good to see your video. You are not getting old Rose, just grown.
Another thing no one ever mentions is being fat. clothes are more expensive, harder to find and rarely make you feel or look good which leads to more shopping. Getting down to a healthier weight helps you save a lot of money and really contributes to a happier healthier lifestyle. That’s what I’m working on, I will not allow myself to buy any more clothes until I have to replace what I currently own with smaller sizes. Love this vid, I have watched it more than once.
So true… having been heavier for a while it feels good replacing the appetizer plate with conversation and water, and less money spent. I am starting to shrink and saving money, too! Plus I have energy to do things, like go in the pool rather than shop on line.
Great list, Rose! So important to be more conscious on what we are spending our money on!
Fresh organic ingredients at Whole Foods?
Girl, that’s where you lost me. I’m all about that Aldi’s life, haha
Me too!
Whole Foods too!!! Honesty you have to shop around to find good deals. Just today I found cucumbers 3 for $2. Whole Foods has gotten a little cheaper too....their frozen fruit is only about $2-3 dollars and I like them better than Trader Joe’s. But Trader Joe’s is really good if you want Whole Foods at a good price
Also, I think she meant for a $10 green juice at a juice store you can buy all the ingredients for the same price at Whole Foods and actually make way more for your buck
Shaun Archer yeah, Whole Foods does have some good deals, especially on their bulk dry stuff (like lentils, beans, nuts) or if you use the Amazon Prime QR. But sometimes I don’t want to have to hunt for a deal - everything at Aldis is a deal, lol
Thank you for all your helpful tips Rose!!!! A lot of other people taking about the same topic, but I only feel you are truly honest and talk out of your heart because you really does want to help everyone!!!
The only souvenirs I buy now are mugs as I drink coffee/tea everyday and I get reminded often of my trips :)
It’s Jeffrey, great advice! I love the journal idea on trips. You need to work through this stuff. Karen and I are together/married for 30 years and have learned lots. Now we are sharing tips on how to live your best life.
The h&m and F21 have really lost its hold on me. I was sad to see it go but so excited when I was able to earn more and get out of the fast fashion cycle. Now TJ Maxx is another thing
I am not even 20 yet, but I'm sooo on this wragon! Rose looks amazing and proves that simplicity and minimalism truly is the key to not only a better financial life, but overall happiness. Super cliche to say, but it isn't the loads of clothing and stilettos that's gonna make you happy.
The “self-love” vibes this video gives off!! Yes!Stop keeping up with the Jones’ and be more reasonable, Great advice.
Awesome tips! I can relate, I already feel myself pulling away from these purchases in my late 20s. Cool to hear someone justify it. New sub!
I stopped buying makeup in my 30s. I ran my butt back to Sephora when I hit 40 😂
You do look great, but I couldn't agree more lol
I'm in my 20s and have stopped buying makeup 🤣
#same😜
Girrrrrrrrllll, I hear you 😂 (48+ 🙋🏻♀️)
woww. did your collection lasted your whole 30s? i think mine can definitely stretch until I am 30😂😂😹😹
I completely agree and over time I have stopped buying many of these items as well. I definitely don't have the time, money, or energy to buy all the lashes, hair products, nails, etc. I love that you embrace your natural beauty and hope other women find this inspiring.
One item I would add to cutting cost/avoiding are all those dang subscription purchases. Seriously, I don't need vitamins, cleaning supplies, makeup, or whatever else people try to push to trap you into buying their products every month buy offering a discount with a subscription. If I buy it once and like it, then I'll buy it again. Stop with the traps!
The journal idea for travel is such a great idea ❤️
I love this! So wise(: Honestly your hairtype is probably what most people want...between straight and curly. I do giggle every time you say, "now that I'm getting older" You're young and you have the advantage of seeing yourself and surroundings in a different light than most. Not buying fast fashion is also environmentally and ethically more sound! I like a good consignment shop (many items still have the tags on them) You cam but quality clothes for less and again more ethically and environmentally friendly
Can buy*
you should look into breaking up your videos into categories with the TH-cam built-in thing. Keep up the awesome work.
You mean timestamps?
@@forever_stay6793 yea. that thing. lol thanks.
Amen to the alcohol! 🙌 i decided to go completely sober at 26 for health and money reasons. Tbh, I’m extremely introverted so I never “partied” but those alcohol costs still add up when you have a drink at dinner or go out to a girls date at a vineyard. I never really liked the taste either except for a select few kinds. I mostly drank from social pressure. Going completely sober was easier than I expected as everyone didn’t really care. I was afraid of the peer pressure but everyone was really cool with it. I also bring my water bottle with me everywhere including on vineyard dates with the girls ❤️
Good for you!! Freedom at last! Bless you!
Thats awesome good job!
32 in 5 days, I was such an IDIOT in my 20's, did I really need that ipad? Those shoes? ALL those dinners!?!?
Same!!! 😭
I like the convenience of eating at middle eastern restaurants. Saves me money and time
Everyone needs an iPad.
@@solarlola5953 I started and finished college without one. no, nobody NEEDS an iPad
@Teddy James fellow SC here and the tax part is so true 🤣
I love the honesty and accuracy of your assessment of #1. You really don’t need makeup; others might, but you do not (#2).
Buying lunch and clubbing had to go, they were killing my bank account.
This is just the perfect time for me to watch this video, on January next year (which is less than 3 month) I'll be 30 and i will be very happy to reevaluate my finance and this video helps me to do that. thank you Rose!
Omg I stopped buying crazy heels in my 20s 😂
Just last year I used to buy random fast fashion clothes & >$50 of makeup every couple months 😳 Now I only buy makeup or skincare as needed & keep all my clothes! Always enjoy the new videos, Rose! 🤟
You have a better start than me when I was in my 20's going into my 30's.
I’m 23 and don’t buy 9/10 of these things anymore. I love being minimalistic and mindful of my life and the whole planet💕 I wish everyone in their 30’s (or anywhere up) valued minimalism so I’m proud that you’re smart enough to free yourself from all the chaos society pushes on us😁
Is it bad that I've already reached this stage of mind in my mid-20s? xD
Ayy I am on mid 20s too and mastered some of her not-to-buy things, yeah some people will question why you don't buy this or that...it is for our well-being and future sake after all
Same! I'm already at this stage and I'm 22!
No, it's really good! You're wiser and more mature than your age group!
same!!!! and im 19 0__0
I am 16 and already feeling like a grandma by saving up for retirement
As a 29 year old I can relate to how I feel when I eat junk. I like how you admit that you still do indulge in certain purchases, because you're admitting to your audience that nobody's perfect and you're also explaining the concept of moderation, which is something that I really need to improve on. This video makes so much sense and thank you for sharing it. 🙂
From a dude who works in fashion Fast Fashion is death to your wallet. Always look at what your clothes are made out of.
Very true. I buy mostly j crew, timeless fashion and pretty good material. Most of it is purchased through Poshmark, so I save a lot of money.
I can definitely relate to a lot of these. I spend a little more on good quality clothes but I buy less and make sure my wardrobe has items that coordinate well with each other, it's so freeing decluttering all that btw. I also don't buy souvenirs anymore, I invested in a good camera and just take photos on my trips and then compile them in a personalised photo/coffee table book. The more we learn about ourselves the more comfortable and accepting we become with the idea that happiness truly does come from within and we don't require such upkeep to conform to standards that actually don't reflect reality or serve anyone.
Can you please make a video on your capsule wardrobe?
I am really into this concept! I always end up wearing the same classic pieces and I am looking to save and de clutter!
Yes! Was looking for this comment as well! I'll write another so she knows there is interest!
YES! No-nonsense advice. Very helpful and relatable as usual.
Wow, being a guy is so much easier. I'm never tempted to get eyelash extensions or buy stilettos. I did buy a $100. Stiletto hammer, but that was ten years ago and I am still using it. My wife gets her roots done every six weeks or so but I am quite happy to have snow on the mountain. The only makeup I ever bought was camo for bow hunting, that $8. purchase lasted years until I lost interest.
Guys still have their BS they prolly don’t need to be spending money on. For example I know my cousin who loves working out has expensive gym memberships which have diminishing returns after a certain point (once you’re jacked you’re jacked and don’t really need to keep going to the expensive gym thereafter...) he spends a lot of money on protein powder and pre workout which doesn’t really seem to make a difference tbh.
Man that stiletto hammer was totally worth the investment 👌 had it for 6 years. Never had to buy another one
I want a Martinez
It must be! Even on a basic level, we need twice the amount of undies, at least twice the amount of hair care products, feminine hygiene, and that's before we get into how expensive female haircuts are, make up costs, etc. Thank goodness we get paid equally...oh wait 😂😭
I love how open and honest you are Rose! keep up the good work :)
@Investing With Rose Yes please!
"Theres is nothing cute about being broke" im gonne say that to my gf the next time she wants to buy expensive shoes xD.
Hallelujah!
Nice!
Great perspective and mindset!
Eliminate debt, cut expenses, buy assets 😁
Whoa - first time hearing of Flytographer and I love this idea. When the world opens again to travel, I want to use it! 🛫
A tip for magazine lovers: many libraries let you check them out for a week ( mine does--I haven't bought a magazine in decades). saves a bundle.
Definitely part of financial balance is mental, spiritual and physical balance.
So true!
I just turned 20 this week and this video is teaching how to live my 20s in a smarter way
You rock! 30 myself and can definitely relate to all of this (minus the makeup ha). Great video, thanks for sharing!
On point Rose! This list sounds like what almost every woman living in NYC was doing before the pandemic and definitely what I did in my 20s. Most of this stuff is socially motivated. But when you want to buy a car or a house or just have savings, you tighten up and start packing those lunches real quick lol
I feel like I'm in my 30's already when listening to this video :D already doing most of this in my 20's
Great Video! I agree staying healthy and not spending money on stuff to impress others is a waste.
I always love these "Things I Don't Buy Anymore" type videos where it's always like: I used to blow my money, now I don't. I never had that type of money to blow. WTF? I was a uni student...
That’s a really cool idea that you write about your travels in your journals.
That quote is not Dave's. It actually from movie Fight Club ;)
I looked at the comments just to see if someone already mentioned this!
Robert Quillen said this in 1928.
100% agree. Something special about this magic number 30. Thank you for the video!
Good afternoon Rose, thanks for the video it really happens to those who need a non professional's recommendation on being smarter with personal money management than just going crazy thinking of having a job or worst yet that y.o.l.o. keep enjoying your time and getting into better overall shape-up in your journey in life. GOD bless you and take care.
Was watching it and stopped everything to create my Flytographer account, thank you for this tip, flipped my day! I'm a photographer just landed in Seoul and, as anyone, trying to survive this covid situation. Please, be my guest if you pass by Seoul, you're welcome for a few shots.
Ever since i got into savings money and investing, i noticed i find it difficult now to spend money on things that i like. I have this mentality now that just because you can afford it doesn't mean you should buy it.
same with me! what is crazy is before i started saving/investment i was a careless spender... i’m sure i spent thousands on coffee/eating out/low quality clothes. now it’s like i can’t even bring myself to spend money. once you shift your intentions it’s crazy how much you save.
I just turned 30 this year, wish i knew this when i was younger, but it's not too to start over and improve my life and finally one day become financially free..Ty for this profound insights ❤❤❤
Just an FYI Dave Ramsey is not the original quoter! This is a really popular quote from either the book or movie "Fight Club," but has been around even longer than that.
Loved this video! As a 23yr old, my biggest expenses are food and clothing. I would love a deeper dive into your meal prep and capsule wardrobe. How did you get started? What resources and tools do you use to plan meals and find recipes?
I've never spent any money on those things on my 20s and I'm still not doing it now when I'm almost in my 40s. Was never a "party" kind of person. But I did spend my money on traveling and on spending 3 months in Korea learning the language. Great experience btw. I'll need to discover how else I can save more money then haha😅
Thanks Rose, I always enjoy your good advice.