It’s great saving money but when you deposit your money in the bank it belongs to the bank. We can have bailins and not have access to our money. Keep enough in your account to cover bills and invest in gold and silver as recommended by Jeremiah Babe.
The 30 day rule! If you want something, write it down, if you still want it 30 days later, then I consider it worth buying. Most of the time, before the first week has passed, I’ve forgotten the desire to buy it, and even forget that I wanted that item😂
I started doing this about a year ago. What an eye opener! I have saved a ton. Most of the time if it is something I need when I went to go buy it 30+ days later it was on sale or there was a better version!
I was able to save a lot of money in 3 years. I landed a 3 year consulting gig paying over $100K a year. I reside in the mid-west where there is a lower cost of living. I lived with my Mother ( I paid her rent). During this time I also paid off my $15K student loans and $18K Jeep. Now I have zero debt, still making over $100K and able to focus on building wealth via investments, etc.
I spent nothing. And my body failed me. Lost it all in hospital bills and recovering. It's good to save up. So do the work. But you might not be rich even after all this. But it saves you if you truly need it You don't control stuff like cancer. And it hits the old and the young. Stay safe. Stay healthy
Great advice. I'm 63 and my parents taught me the same way of thinking. Though I screwed up a few times, I was still able to amass close to $2M net worth on a median income and just bought my retirement home with cash. Just keep in mind that it's just stuff.
Awesome! Great job. I'm saving to build my own house this summer. Just hit 40. Wife graduated nursing school. Moving to be closer to her family. I'm an Engineer bringing my job with me and working mostly remote. The market where we are moving is broken. No inventory and prices are insane. I can build myself for 30-40% of the listed price of a similar modestly sized new home. Did a rough estimate. Now I'm working on a detailed design and accurate estimate. If it works out well... I'll start working on an upgrade in a year or 2. Then sell the first place.
I recently found your page and I love your content man. Keep it up . Your inspiring me to take action and get myself some assets. I’m 22 and I’ve been living in my car for a year. Both my parents passed away and I’m on a mission to have a better life . I’ve been minimalist for a while now. Just barley starting my journey to save 100k by 25 ! Thank you man I look forward to your next video
Despite the difficult market conditions so far this year, retirement is a common investment goal. In order to beat the recession, it is advisable to allocate money in your budget for investments that will be stable enough to see you through the upcoming year as well as how much should be invested for retirement.
@Rahul Toggi Stocks investing require expectations of the long-term benefits, not just short-term losses or profits... I’m taking advantage of small price moves, it can be a lucrative game if played correctly.
First, Gratitude for whatever I do have. Second, and it may sound a little weird, but Give. I regard the first 10% of what I earn as “not my money,” and I give it away. These two things help loosen my grip on the money and reduce the anxiety and self-centeredness that can happen while trying to reduce spending and save. It keeps me mindful of the fact that I’m not the only person on the planet, there are people a lot worse off than I am, and no matter what my circumstances, I can always do something - no matter how small - to help someone else. Been doing the 10% Not My Money thing for years and have lacked nothing I really needed.
Give until it hurts! I try to give as much as I can and you are right, the hold of stuff goes. What good is it if a man gains the whole world but loses his own soul?
@@qualitysleep6074 Give until it hurts? Like give all your money away so you can't feed yourself and your tummy hurts from starvation..? Doesn't sound like a good way to live to me.
Ah Gabe, I love your content. I'm in the England and people are all complaining about not being able to afford things, but i'm not. I'm a part-time, self employed gardener and a single parent and I still have money that is saved because I live by these exact rules. The only thing I would add is, don't listen to others. People who are coming into my home for the first time always say, you don't want to do it like this you want to do it like that. I love how I live and they're all in debt, so why would I listen to them. Now I've just got to find me a side hussle. Looking forward to another great video.
I’m a single parent in Ireland and I do the same !I do this for myself and not my child - he gets what he needs but myself I can go longer without certain things ! I always check our free things and budget things like hair model get hair cut etc etc it is tough but I did lose my rental due rising costs but ended up with a distant relation and now I’m saving hardcore - I pay bills In their house and keep life simple ! I thank the universe for having a roof even if not idea while I graft and grind to get my own ! I start my day off being grateful for having just the smallest of things . It really really makes me so thankful . We should be able get things if we need them and not struggle but sometimes we have t back to get to where we wana be ! I have gut feeling this time next year I will have over 60k saved and I’m damn proud myself for all Iv sacrifices clothes - things out - no holidays in 5.5 years / salon visits . You get my gist ! Keep bringing joy to your life with the simple things !
One thing I often do when I’m shopping is to look closely at my shopping cart right before I checkout because I’ve learned that while I shop I do tend to put a few impulse purchases in the cart or just things I don’t need. I also try to go minimal on food especially fresh vegetables and fruit. It’s so easy to buy a a lot of healthy fresh food with the intent of eating healthy but then you can’t get to it all in time and it goes bad and gets wasted. Another thing I’ve done that helps a lot is to chop up and freeze either raw produce or I will cook it first just to avoid it going bad in the fridge. I freeze it while it’s fresh and I get to use it later. I also will freeze leftovers rather than leave them in the fridge as I will get tired of eating the same meal over and over but if I save a few portions for later o will enjoy it more and avoid the possibility of it going bad in the fridge. Basically just trying to avoid food waste saves money. Love your videos
Great idea on left overs. We used to box up some of the kids toys and put in attic. Would get out a year later. It was like new toys again for them. Absence creates fondness. 😄
@@jerrylisby3440 I do this with my cat's toys! (rotate them in/out occasionally) to keep things "new" and exciting, without the need to go out and buy new ones so often (plus, i don't like most of the commercial cat toys - they fall apart so easily) so another tip I can share, is to DIY toys instead!! Last year we took in a foster kitten. He destroyed 5 toys within a week. So I cut up an old pair of jeans that was falling apart, and made TWENTY toys out of it for free! I kept some, tested them with our kitties, and donated the extras to our local no-kill animal rescue center :)
Thanks for proving that formal education is not the be all and end all in life. I really don’t like others shoving the idea that college is everything.
I'm a relatively new subscriber, and I just wanted to thank you for something in particular. I'm a teacher, and I appreciate you for talking so openly about not graduating from high school. Conventional education isn't for everyone, and things like personal finance, trade opportunities, etc. are lacking in our public schools (in my opinion). And I'm speaking as someone who works within the system. You show your audience that with hard work and dedication, you can still do some extraordinary things with your life and gain wisdom non-traditionally. I think we as a society need to stop shoving college degrees down students' throats..which inevitably can lead some to feel like failures when they (wisely) recognize that it just isn't the path for them. Great content as always :)
Thanks I really appreciate it. Honestly I think graduating high school would’ve been good if I wasn’t such a terrible student at the time lol but most everything I learned in high school wasn’t really useful as far as being successful in life. It’s just hard work and learning every day
I am so agree with you. I regrets that scholl doesn't taught me what subjects Actually really important for our life. Self finance management, good attitude, positive thinking, nutrition, habits netc... I just learned all this stuff from youtube
I really feel proud at what you and your wife had done economically. Your frugality reminds me of my oldest son. These things that you have done is the remedy to the money problem. If people did this they would have a better life.
agreed! My spouse and I have always lived frugally, though often not by choice. We do not have any credit cards, and the only outstanding debt we've had (until recently, when we bought a car and are now working on building our credit, in preparation for bigger expenses down the road, like buying a house eventually) is some emergency medical bills. It is a simpler life with less stress hanging over our heads.
I’ve noticed that I get the same “high” doing a lot of online shopping for things that I really like but don’t really need, so I just have fun picking stuff but then I never check out and pay 😂😂 And 90% of the times I end up thinking it was great that I didn’t check out because I can totally live without those things… Thanks for sharing your tips with us 😊
Girl, I do the same offline, I can go to 9 stores on Saturday, “shop”, pick stuff, try it on, and then put it back before I leave, I’m having the same fun as if I bought it.
•Like you, we bought a hair clipper right after our marriage 22years ago and still use it to cut the whole family's hair (five people)! •Like you, we only drink water (for the body), and coffee (for the soul) •walk to the shop for short distances •our kids wore the clothes the oldest sibling got, only for special occasions did we buy new clothes for them, or when they were broken or irreparably stained • we use only 4 cleaning products: washing liquid, all purpose cleaner, white vinegar and soda bicarbonate • and the list goes on.... •
The investment you choose isn't right or wrong, just depends on the kind of business person you are or simply the kind of person you are. However, the end game is investing money long term creates wealth every time. Just pick what you like and understand, invest and it will pay off. A lifetime of investing for 5 mil is not hard to accrue.
@@glenbert1396 I lookedup Katherine using her fullname and she seems pretty tight and outstanding . She’s a fiduciary who will act in any individual best interest. so i booked a session with her
1. Even just ordering water instead of other drinks places saves a lot of money. 2. Try to fix things instead of buying new. 3. Leave items in online carts until your cart reaches the point you get free shipping. If you need the item immediately and your cart is close to free shipping, have a few things in "save for later" that if you got it would be free shipping so you would be buying an item you want instead of paying the shipping. 4. Purchase high-quality things that will last longer that you won't have to replace multiple times. 5. Before purchasing something ask yourself "Do I need this?" "Can I use something I already have to do what I want to buy this for? Can I borrow or rent this?
I cook once a week. Sunday, and meal prep the leftovers or whatever else I made for the meals of the week. This has made it so that eating out is more inconvenient than eating at home, because I don't have to cook anything just toss it in the microwave and that's it.
Thank you Gabe, I really enjoy your channel. One thing I do is stick to a budget when I'm grocery shopping. If my budget is $60 and my total is $65 I will put something back, because often it was an impulse purchase anyway and I didn't need it :)
Shopping just feels good sometimes, so I do it! I push a cart around the store, filling it up with things that I like or sweet deals I score. Then, instead of wheeling through check-out I go back through and put all those things back where I found them. I recognize the silliness, but it is less silly than spending money on things I don't need.
Customers be like: “Dang! Somebody grabbed the last one on the shelf while I ran to my car to get my wallet!” Few minutes later………Heather shows up to put the item back on shelf cause she is not buying it.
As a fellow 25 year old who also has this amount saved, what helped the most was being able to live at home for practically nothing aside from my share of food and utilities. My spending habits have hardly changed since I was in high school, but my net income is 60k a year. I also don't own a car because I mostly wfh, my parents work night shifts, and are willing to share because we don't have parking for another vehicle anyway. All that said, I would like to move out soon. The more I save, the more I feel like I am hoarding when I could theoretically pay off their mortgage. But at the same housing is so expensive now that I would still be saving money even if I did.
Just do Dropshipping BroOoOooOoO On a serious note, real estate, stocks, online business, cryptofarming and straight up going Grand Theft Auto on a car are actual ways of making money.
I am just starting to use the 30 day rule. I decluttered my room including clothes then went on a website to order more clothes!!!!!!!! No sense, didn’t buy them but put them in favs and keep going back to see them and not bought them yet. Books, instead of buying I get them from the library. Still learning and live the postings by Gabe.
All I have to say is that you and my husband are like the same person. Except for the opening credit card idea. We’re definitely the less is more kinda household. You guys have the same brain. 🙌🏼😂 I love to sell stuff we’re not using. I like to bless others with a good buy not to make a lot of money for the thing. We have never purchased a new car. My newest car is a 2019 Dodge Grand Caravan, which we bought in 2020. It was owned by a rental agency and it was in a collision. All cosmetic damage. Rental agencies will Not use the car again so it went on the auction block. We bought this van, fully restored, loaded with only 15,000 miles on it …. WAIT FOR IT… for only $13,000 out the door. My van goes for $32,000. Sooooo yeah. 😊 It has a salvage title but that’s not a big deal. Most people shy away from salvage titles out of fear, but it’s actually a great way to buy a really nice car and a newer car. We’ve been doing this for over 20 years. I use this vehicle for my van camping adventures and as my family vehicle. We share a lot of your money saving ideas and have been doing it for years. It pays off. I can attest. Have a fabulous day! 💯😃🙌🏼 Anyhow, I really enjoy your channel.
I used to move every year haha 😅 but now im finally a house owner and will be renting out the second room once we’re all settled and fully moved in. Im sooo excited for that because it will help financially soo much! And ive been cutting down on my grocery bill too! So im excited for that too 🔥
I worked a lot on my relationship with money and to me it always meant freedom. That is to say spending money meant freedom, not being able to meant being sad. So I always spent like an idiot, but lucky for me on food etc, not on ferraris hehe, but it adds up like crazy. Currently on a quest to save while enjoying it too. Kinda like gamifying my saving effort. Great content !
Alot of this can be summed up to "understanding what the value of the dollar gets you now a days; and is the item you want worth the amount of time you work for it"
I'm at the start of my investing journey, but I've invested enough to buy one ETF with the dividend payments equivalent to 5 hours worth of work. It helps to think of the cost of things with respect to how many hours of your life it's taken to earn it.
Good tips! However, make sure you enjoy the money you earned. No one knows what will happen in the future. I had a friend who was super frugal and saved most of her money but shortly passed away and she never even enjoyed the money she saved.
The laziness-tip is actually very wise, it's exactly how I think about the time to value ratio where I'm not really asking if something is worth the money, but rather me being at a place I dislike, doing something I dislike for x amount of time.
Great tips!!! I finally bought a good cellphone because I'm using it for our TH-cam videos. Prior to this one my cellphones cost me about $25 and they worked fine. I only had texting and calling, no data on my old cellphones, and my monthly bill was $28 for the cell plan. I actually had people offer to give me their old cellphones or their kids old cellphones for free but I just laughed and said why this one works fine! My cars are old but they get me where I need to go. And I will 100% stop and pick up furniture at the side of the road and refinish it. Free furniture? Hell ya! We saved enough money during the pandemic to buy a house in Portugal (technically it's classified as a ruin) and spend our first year in a new country renovating our house and learning the language. 10 months in and we are loving our new home/country. Dream big, spend little and live your life to its full potential. ✨️
Your videos are a breath of fresh air! The ideas & attitudes you express are ones that can benefit so many people. Recently, I visited a young family with one child. Two days after I arrived, the topic of money, saving money, managing money came up when we were eating dinner. The wife brought it up. I had just cooked dinner for everyone, using what they had on hand & she was amazed. This woman is a good cook, she put a lot of effort into learning, so, I was also amazed by her, she was thinking of ways to save plus doing the work to learn. It would have been rude for me to bring up the subject, so, when she did, I gingerly shared, gaging their reactions to make sure I was not over stepping. Some things I shared that I have always done plus a few new ones. 1. Never got into the habit of drinking coffee. It's expensive chemical dependency. 2. Buying a water filtration system I installed, myself. Bottled water is expensive, the system paid for itself. 3. When I can buy the part & do my own car repairs, I do. Minor repairs, yes, technical engine repairs, no. 4. I do have a gym membership. I was given a Veteran discount when I signed up, yes, I'm a military veteran. I noticed that many people sign up, stop using it, cancel, then sign up again 8 months to a year later. The prices go up, the sign-up fees add up. I have kept my membership which costs 1/2 of what most other members, pay. I go through phases. Cheaper to keep it! 5. Only eating at a restaurant for special occasions. This includes drive through. Once in a great while, yes, still, very seldom. 6. Only one streaming service plus You Tube is all I need. I love *Star Trek* so, having the one streaming service is all I need. This is the short list.
Always look forward to your videos you keep me on track .Love seeing you guys in your natural habitat! Being a minimalist helps and also fighting my instinct to be cheap for survival but sticking with quality as its always worth it in the end.
Shop second hand! I bought a FULL suit (blazer and pants) that fits me almost perfectly for $10!! I've also found nice brands like brooks brother blazers for like $3. If you can do that and only buy what you need, you'll save even more
I liked all of your ideas... we save money on not buying paper products.... for napkins we use cloth napkins, cloth towels in the kitchen, and these can be found used or new, or make them.
Gabe, for not finishing high school you're sure smart and have a lot of common sense! I've been cutting my own hair for 3 1/2 years. I like cooking at home, because I worked in a lot of restaurants, from dives to fancy restaurants, if you saw how dirty the kitchen is or seen who cooking your food you would never eat out!
Why do people assume that not finishing high school will automatically not make you smart and if you have a college degree, you are smarter. I know quite a few people that didn't finish, go on to have successful lives while college graduates don't actually use their degrees, are in deep debt, and have the common sense of a gnat.
You don’t need a cheap phone buy a really good one that’ll last 4-5 years most cheap phones may save you money in the short run but they often crap out after a year maybe 2
Thanks for this video.. made me realise I have been following 95% of your tips here and I am living a minimalist lifestyle.. thank you for the other useful financial tips!👍🏼
2006 hyundai sonata is the best car. believe me. the only thing i fix for using it for 6 years is battery. just do the maintenance and it will never break. still going
Great advice Gabe and we have been doing most of them for 50 years. It did take us from 1974 to about 1987 to save the 100K but our taxable income was less than 20K every year back then. One suggestion we have is that for most of us, taxes, and not housing is our biggest expense when we look at all of the money we are forced to send to the IRS, payroll taxes, and state and local taxes and fees. For many, it is well over 50% now. We also continue to be frugal in our MN winters by keeping our house at 60 when we are home and 50 when we are gone or at night.
This was a wonderful and very much needed piece! We young people must understand that saving is not enough. It's a good start, but given the way the economy is going, you have to do better. Investing that saved money is a must and diversifying your investments so you have multiple streams is key. Of course, you have to be well informed on where you put your money or better still, get a pro to handle it for you (that way, you save time and minimize risks). Made my first million this way earlier this year from investing my savings something as casual as forex. Good luck!
Amazing approach though not quite as easy... You mentioned something about using pros., if it's not a bother, do you mind telling if you used one to achieve this feat and recommending any good one? I could definitely use help right now as my finances are currently in a terrible state... I look forward to your reply...
@@chriswilliams2061 Funny enough, I can honestly relate. Nobody said it was easy as it takes some level of decisiveness and discipline. Yes, of course I used one. I know next to nothing about forex and all. I don't know if I am permitted to go into details here, but her name is "Leah Marie Sandock". Was in the news a lot in 2018. You may look her up for more.
@@trishawallor wow I know this little lady. Once attended a fundraiser she was also in attendance in Vancouver,, Great speaker with a funny accent,, She's American though, I doubt she works with foreigners,,,
While I always appreciate the tips you give in your videos, I really enjoy the creativity and humor in your presentations. I love your hustle. Keep up the good work.
Constantly increase your income to expenses. It’s ok to enjoy making money along the way because it may take 3-15 years depending on the hole you dug yourself. But if you r young with little debt to no debt, with ward work it comes quicker than you would expect to totally change everything. Bc you could “torture” your self to get there in 3-4 years or enjoy yourself and do it in 5-7. Without total sacrificing your young years while still hitting your financial freedom goal. Now still you need to say no to a lot but a lot less than being extremely stringent. Keep on the content bro you should have way more subs.
I love how the car industry make out old cars are bad for the environment when in reality wearing out what's already made beats making something new and scrapping something that's perfectly fine
My husband and I are using one car. His truck needs work. It's not getting better by sitting, but it's not costing as much as it could have. We are looking at buying a fixer upper vacation home. My husband is very good at fixing up homes. After it's fixed up, we plan to rent it out and reserve time for our own vacations. I just watch the Spotify ads. We're doing a no buy thing until the debts are paid off. That should be this year.
Love your brain. My husband and i have found company, finally. Pretty much everyone we know live to IMPRESS. keep the videos coming....you are helping many people. Not us cause we are already "like minds".
couple years ago I got into triathlon. Was already a swimmer and a runner. SO I had to buy a bike. I bought a 1500$ road bike + shoes + pedals (2000$ canadian total). I would tell my husband that every km was equivalent to1$ I spent. Probably did 10000km on that bike. Sold the bike a couple months ago for almost the same price I paid. Now we have TT bikes (got my husband into it !!). Got over 5000km in 6 months. Still have 5000km to do to pay it off !!! Worth every penny.
Fun, Cheep and Free thing I do, Walk dogs!!! I HIGHLY recommend checking out your local Dog pound or shelter, you can go and interact with animals and they REALLY appreciate it, and you can feel good knowing you made a dogs day better
When my husband and i go out to eat we split a meal. We are both satisfied and don't feel like we over ate. We also order water with our meal. This saves lots of money and we are able to afford to eat out in this economy (2022).
Just started doing the "If I don't cook it, I don't eat it" diet. No eating out. Only fresh vegetables, fruits, homemade snacks. No garbage snack food. No Soda, etc. Saves a ton of money. I'll make an exception for special occasions. Celebrating the wife's graduation. Christmas at mom's. Etc.
So we avoid debt like crazy but sign up for numerous credit cards, take out multiple mortgages, etc etc. thats a tip i woulda just left out if it was me
Couple I been doing is cutting own hair , buying cat /dog food in bulk Trying to save up to pay car insurance every 6 months to save $100 or so a year , ... paying Amazon prime membership in full to save $40-$50 vs the monthly ....and putting a couple bills like phone bill on automatic payment to save 10% off ... GREAT VIDEO
Relationship!!! The cost of going out for dates, drinks, etc. adds up. If you’re in a good meaningful relationship it’s valuable that instead of looking elsewhere
I save most of my income. I work a normal 9-5 and save 100% of that money as I paid my bills off (besides rent and stuff) over a year ago so I have no debt. I also work DoorDash 20 hours a week on the side and that alone pays for my life and I still have some “fun money” left over. So I never touch the money from my normal 9-5. At least not in a long time. So working 60-70 hours a week has a perks, but I only recommend It if you’re like me and have nothing else to really do currently.
Free money: putting my stupid medical bill payments on the credit card that had the best cash back program, and then paying the bills in full. The fall I had breast cancer, I paid all the bills with that card, paid it as treatments went, and the cash back paid for Christmas when I was done. It so worked for me. Dammit.
Also not everywhere will do this, but the hospitals In my town will give you a 20% discount on your bill if you ask and say "Can I get a discount if I pay this upfront today?". This has saved me so much money.
@@daisymaedog Thanks. Yea, I've been offered that a few times. I had cataract surgery last year (I've had a very exciting few years in my health life...) and the bills were huge. The hospital surprised us with an extra $2000 bill and I told them, look: I have other medical bills. This is really difficult for us. The lady instantly offered 10% off if I could pay it in full, including just putting it on the credit card that was giving us 18 months interest free, designed for medical payments just like we were taking on. So I took that deal. It was $200 off, which was helpful.
Can I just say that your level of editing is just amazing? 👍 I can see it’s so much effort goes into making these videos! Awesome job! Thank you for sharing! 😊
Dear Gabe, your contradictions are really hilarious, and that makes me realize smart people are always learning and self-correcting. LOL and learning A LOT with you. Wish you have your Tesla already. Best to your beautiful girls!
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What are your money saving tips?
Automated savings at a bank other than my credit union, with no ATM or debit card access.
It’s great saving money but when you deposit your money in the bank it belongs to the bank. We can have bailins and not have access to our money. Keep enough in your account to cover bills and invest in gold and silver as recommended by Jeremiah Babe.
@@homeandgardendiaries6384 Or make sure your deposits are FDIC protected.
@@juliemarkham4332
That will not matter for bank bailins.
@@homeandgardendiaries6384 Why not? It's the insurance company that covers the money, not the banks themselves.
The 30 day rule! If you want something, write it down, if you still want it 30 days later, then I consider it worth buying. Most of the time, before the first week has passed, I’ve forgotten the desire to buy it, and even forget that I wanted that item😂
💯 most stuff is not necessary
Me too 😂😂😂😂
Thank you imma try this 😊💗
I like this one usually I waited a week now I go a month haha
I started doing this about a year ago. What an eye opener! I have saved a ton. Most of the time if it is something I need when I went to go buy it 30+ days later it was on sale or there was a better version!
I was able to save a lot of money in 3 years. I landed a 3 year consulting gig paying over $100K a year. I reside in the mid-west where there is a lower cost of living. I lived with my Mother ( I paid her rent). During this time I also paid off my $15K student loans and $18K Jeep. Now I have zero debt, still making over $100K and able to focus on building wealth via investments, etc.
Wow! Super inspiring!
Did you go to college for that job?
You landed a 100k job salary in the Midwest with only 15k in debt? That’s pretty cool, I’d love to hear more about your story.
Pretty easy to save money when you make a lot of it.
@@mmaisking1 🙌🏽🙌🏽
"Work more hours to earn more money to buy more expensive stuff, to impress people I don't even care about." 😅
I love this channel..
Brilliant 😉😂
He IS working more hours to earn more money. The only difference is that he isn't doing it for social reasons.
@@dudanunesbleff But not more hours in the sense of more than the regular 8 hours..
It’s a quote from the movie fight club I believe?
The golden rule that already my grandpa told me
I spent nothing. And my body failed me. Lost it all in hospital bills and recovering.
It's good to save up. So do the work. But you might not be rich even after all this. But it saves you if you truly need it
You don't control stuff like cancer. And it hits the old and the young. Stay safe. Stay healthy
Great advice. I'm 63 and my parents taught me the same way of thinking. Though I screwed up a few times, I was still able to amass close to $2M net worth on a median income and just bought my retirement home with cash. Just keep in mind that it's just stuff.
Awesome! Great job.
I'm saving to build my own house this summer.
Just hit 40. Wife graduated nursing school. Moving to be closer to her family. I'm an Engineer bringing my job with me and working mostly remote.
The market where we are moving is broken. No inventory and prices are insane. I can build myself for 30-40% of the listed price of a similar modestly sized new home. Did a rough estimate. Now I'm working on a detailed design and accurate estimate.
If it works out well...
I'll start working on an upgrade in a year or 2. Then sell the first place.
I recently found your page and I love your content man. Keep it up . Your inspiring me to take action and get myself some assets. I’m 22 and I’ve been living in my car for a year. Both my parents passed away and I’m on a mission to have a better life . I’ve been minimalist for a while now. Just barley starting my journey to save 100k by 25 ! Thank you man I look forward to your next video
I´m very sorry for your loss, wishing you the best! You got this :)
i’m sorry for your loss! stay strong
So sorry for your loss. Stay strong and don’t let anything get in your way. rooting for you!
I'm sorry to hear that bro, i hope you will find the strenght to move on
@ Elias Zaragoza, do what you need to do, but ensure you are taking care of your health in the process, because it is the greatest wealth you have.
Despite the difficult market conditions so far this year, retirement is a common investment goal. In order to beat the recession, it is advisable to allocate money in your budget for investments that will be stable enough to see you through the upcoming year as well as how much should be invested for retirement.
@Rahul Toggi Stocks investing require expectations of the long-term benefits, not just short-term losses or profits... I’m taking advantage of small price moves, it can be a lucrative game if played correctly.
First, Gratitude for whatever I do have. Second, and it may sound a little weird, but Give. I regard the first 10% of what I earn as “not my money,” and I give it away. These two things help loosen my grip on the money and reduce the anxiety and self-centeredness that can happen while trying to reduce spending and save. It keeps me mindful of the fact that I’m not the only person on the planet, there are people a lot worse off than I am, and no matter what my circumstances, I can always do something - no matter how small - to help someone else. Been doing the 10% Not My Money thing for years and have lacked nothing I really needed.
Give until it hurts! I try to give as much as I can and you are right, the hold of stuff goes.
What good is it if a man gains the whole world but loses his own soul?
@@qualitysleep6074 Give until it hurts? Like give all your money away so you can't feed yourself and your tummy hurts from starvation..? Doesn't sound like a good way to live to me.
Ah Gabe, I love your content. I'm in the England and people are all complaining about not being able to afford things, but i'm not. I'm a part-time, self employed gardener and a single parent and I still have money that is saved because I live by these exact rules. The only thing I would add is, don't listen to others. People who are coming into my home for the first time always say, you don't want to do it like this you want to do it like that. I love how I live and they're all in debt, so why would I listen to them. Now I've just got to find me a side hussle. Looking forward to another great video.
I’m a single parent in Ireland and I do the same !I do this for myself and not my child - he gets what he needs but myself I can go longer without certain things ! I always check our free things and budget things like hair model get hair cut etc etc it is tough but I did lose my rental due rising costs but ended up with a distant relation and now I’m saving hardcore - I pay bills In their house and keep life simple ! I thank the universe for having a roof even if not idea while I graft and grind to get my own ! I start my day off being grateful for having just the smallest of things . It really really makes me so thankful . We should be able get things if we need them and not struggle but sometimes we have t back to get to where we wana be ! I have gut feeling this time next year I will have over 60k saved and I’m damn proud myself for all Iv sacrifices clothes - things out - no holidays in 5.5 years / salon visits . You get my gist ! Keep bringing joy to your life with the simple things !
I'm English too , get you're hgv license , earn 15 to 25 an hour mate
@@sarahmc8309i suggest invest in gold bar.. .i always regret just saving money because the value of money decreased by the inflation
@@littlefairyland763 - Silver is more affordable.
One thing I often do when I’m shopping is to look closely at my shopping cart right before I checkout because I’ve learned that while I shop I do tend to put a few impulse purchases in the cart or just things I don’t need. I also try to go minimal on food especially fresh vegetables and fruit. It’s so easy to buy a a lot of healthy fresh food with the intent of eating healthy but then you can’t get to it all in time and it goes bad and gets wasted. Another thing I’ve done that helps a lot is to chop up and freeze either raw produce or I will cook it first just to avoid it going bad in the fridge. I freeze it while it’s fresh and I get to use it later. I also will freeze leftovers rather than leave them in the fridge as I will get tired of eating the same meal over and over but if I save a few portions for later o will enjoy it more and avoid the possibility of it going bad in the fridge. Basically just trying to avoid food waste saves money. Love your videos
Great idea on left overs. We used to box up some of the kids toys and put in attic. Would get out a year later. It was like new toys again for them. Absence creates fondness. 😄
@@jerrylisby3440 I do this with my cat's toys! (rotate them in/out occasionally) to keep things "new" and exciting, without the need to go out and buy new ones so often (plus, i don't like most of the commercial cat toys - they fall apart so easily) so another tip I can share, is to DIY toys instead!! Last year we took in a foster kitten. He destroyed 5 toys within a week. So I cut up an old pair of jeans that was falling apart, and made TWENTY toys out of it for free! I kept some, tested them with our kitties, and donated the extras to our local no-kill animal rescue center :)
Thanks for proving that formal education is not the be all and end all in life. I really don’t like others shoving the idea that college is everything.
I'm a relatively new subscriber, and I just wanted to thank you for something in particular. I'm a teacher, and I appreciate you for talking so openly about not graduating from high school. Conventional education isn't for everyone, and things like personal finance, trade opportunities, etc. are lacking in our public schools (in my opinion). And I'm speaking as someone who works within the system. You show your audience that with hard work and dedication, you can still do some extraordinary things with your life and gain wisdom non-traditionally. I think we as a society need to stop shoving college degrees down students' throats..which inevitably can lead some to feel like failures when they (wisely) recognize that it just isn't the path for them. Great content as always :)
Thanks I really appreciate it.
Honestly I think graduating high school would’ve been good if I wasn’t such a terrible student at the time lol but most everything I learned in high school wasn’t really useful as far as being successful in life. It’s just hard work and learning every day
@@GabeBult you can get a GED
PREACH!
👍 agree
I am so agree with you. I regrets that scholl doesn't taught me what subjects Actually really important for our life. Self finance management, good attitude, positive thinking, nutrition, habits netc... I just learned all this stuff from youtube
That is so true about the timing of dopamine. Adding to cart is the best part :). All I've done lately is just add to cart. No buying. It works!
I really feel proud at what you and your wife had done economically. Your frugality reminds me of my oldest son. These things that you have done is the remedy to the money problem. If people did this they would have a better life.
agreed! My spouse and I have always lived frugally, though often not by choice. We do not have any credit cards, and the only outstanding debt we've had (until recently, when we bought a car and are now working on building our credit, in preparation for bigger expenses down the road, like buying a house eventually) is some emergency medical bills. It is a simpler life with less stress hanging over our heads.
I’ve noticed that I get the same “high” doing a lot of online shopping for things that I really like but don’t really need, so I just have fun picking stuff but then I never check out and pay 😂😂 And 90% of the times I end up thinking it was great that I didn’t check out because I can totally live without those things… Thanks for sharing your tips with us 😊
😂😂 I also have fun shopping on line then empty my cart 😂😂
Girl, I do the same offline, I can go to 9 stores on Saturday, “shop”, pick stuff, try it on, and then put it back before I leave, I’m having the same fun as if I bought it.
I do this without meaning to because things aren't meeting my expectations.
I did the same thing, so it is fun to see your perspective. My journey to $100K was brutal, especially the first $50K. Thanks for sharing
•Like you, we bought a hair clipper right after our marriage 22years ago and still use it to cut the whole family's hair (five people)!
•Like you, we only drink water (for the body), and coffee (for the soul)
•walk to the shop for short distances
•our kids wore the clothes the oldest sibling got, only for special occasions did we buy new clothes for them, or when they were broken or irreparably stained
• we use only 4 cleaning products: washing liquid, all purpose cleaner, white vinegar and soda bicarbonate
• and the list goes on....
•
The investment you choose isn't right or wrong, just depends on the kind of business person you are or simply the kind of person you are. However, the end game is investing money long term creates wealth every time. Just pick what you like and understand, invest and it will pay off. A lifetime of investing for 5 mil is not hard to accrue.
@Lloyd Bernard
@@roseroland1998
@@glenbert1396
@@lisaollie4594
@@glenbert1396 I lookedup Katherine using her fullname and she seems pretty tight and outstanding . She’s a fiduciary who will act in any individual best interest. so i booked a session with her
1. Even just ordering water instead of other drinks places saves a lot of money.
2. Try to fix things instead of buying new.
3. Leave items in online carts until your cart reaches the point you get free shipping. If you need the item immediately and your cart is close to free shipping, have a few things in "save for later" that if you got it would be free shipping so you would be buying an item you want instead of paying the shipping.
4. Purchase high-quality things that will last longer that you won't have to replace multiple times.
5. Before purchasing something ask yourself "Do I need this?" "Can I use something I already have to do what I want to buy this for? Can I borrow or rent this?
I cook once a week. Sunday, and meal prep the leftovers or whatever else I made for the meals of the week. This has made it so that eating out is more inconvenient than eating at home, because I don't have to cook anything just toss it in the microwave and that's it.
Having a side hustle is huge. Often it comes down to making more money, and saving that
My side hustle is tsking cars to Simeon in GTA
“Um, pay no attention to the drinks behind me”. !!! Excellent tips Gabe
Lol gotta be real
Thank you Gabe, I really enjoy your channel. One thing I do is stick to a budget when I'm grocery shopping. If my budget is $60 and my total is $65 I will put something back, because often it was an impulse purchase anyway and I didn't need it :)
Shopping just feels good sometimes, so I do it! I push a cart around the store, filling it up with things that I like or sweet deals I score. Then, instead of wheeling through check-out I go back through and put all those things back where I found them. I recognize the silliness, but it is less silly than spending money on things I don't need.
Haha wow thats an interesting approach^^
Customers be like: “Dang! Somebody grabbed the last one on the shelf while I ran to my car to get my wallet!”
Few minutes later………Heather shows up to put the item back on shelf cause she is not buying it.
Brilliant video, we have a shopping buddy so we buy in bulk and split it, it's saved us £600 a year on food
Nice! 💰🔥
the being lazy part really resonates with me. and the no drinking. people don't think about how much you spend on the drink...
As a fellow 25 year old who also has this amount saved, what helped the most was being able to live at home for practically nothing aside from my share of food and utilities. My spending habits have hardly changed since I was in high school, but my net income is 60k a year. I also don't own a car because I mostly wfh, my parents work night shifts, and are willing to share because we don't have parking for another vehicle anyway.
All that said, I would like to move out soon. The more I save, the more I feel like I am hoarding when I could theoretically pay off their mortgage. But at the same housing is so expensive now that I would still be saving money even if I did.
That’s awesome that you were able to stay home it’s definitely a huge advantage if you can
Growing up no one taught us about money grateful for videos like this
This is exactly how the average person does it. No fancy tricks, no lucrative internet scam! Just plain old, hard core saving. Thank you!
Just do Dropshipping BroOoOooOoO
On a serious note, real estate, stocks, online business, cryptofarming and straight up going Grand Theft Auto on a car are actual ways of making money.
I am just starting to use the 30 day rule. I decluttered my room including clothes then went on a website to order more clothes!!!!!!!! No sense, didn’t buy them but put them in favs and keep going back to see them and not bought them yet.
Books, instead of buying I get them from the library.
Still learning and live the postings by Gabe.
All I have to say is that you and my husband are like the same person. Except for the opening credit card idea.
We’re definitely the less is more kinda household. You guys have the same brain. 🙌🏼😂
I love to sell stuff we’re not using. I like to bless others with a good buy not to make a lot of money for the thing.
We have never purchased a new car. My newest car is a 2019 Dodge Grand Caravan, which we bought in 2020.
It was owned by a rental agency and it was in a collision. All cosmetic damage. Rental agencies will
Not use the car again so it went on the auction block.
We bought this van, fully restored, loaded with only 15,000 miles on it …. WAIT FOR IT… for only $13,000 out the door. My van goes for $32,000. Sooooo yeah. 😊
It has a salvage title but that’s not a big deal. Most people shy away from salvage titles out of fear, but it’s actually a great way to buy a really nice car and a newer car. We’ve been doing this for over 20 years. I use this vehicle for my van camping adventures and as my family vehicle.
We share a lot of your money saving ideas and have been doing it for years. It pays off. I can attest. Have a fabulous day! 💯😃🙌🏼
Anyhow, I really enjoy your channel.
We really don’t need much to be happy! We get a hit of dopamine when we buy something but that fades quickly.
I used to move every year haha 😅 but now im finally a house owner and will be renting out the second room once we’re all settled and fully moved in. Im sooo excited for that because it will help financially soo much! And ive been cutting down on my grocery bill too! So im excited for that too 🔥
I worked a lot on my relationship with money and to me it always meant freedom. That is to say spending money meant freedom, not being able to meant being sad. So I always spent like an idiot, but lucky for me on food etc, not on ferraris hehe, but it adds up like crazy.
Currently on a quest to save while enjoying it too. Kinda like gamifying my saving effort.
Great content !
Alot of this can be summed up to "understanding what the value of the dollar gets you now a days; and is the item you want worth the amount of time you work for it"
I'm at the start of my investing journey, but I've invested enough to buy one ETF with the dividend payments equivalent to 5 hours worth of work. It helps to think of the cost of things with respect to how many hours of your life it's taken to earn it.
Good tips! However, make sure you enjoy the money you earned. No one knows what will happen in the future. I had a friend who was super frugal and saved most of her money but shortly passed away and she never even enjoyed the money she saved.
Watching your content makes me feel wealthy
The laziness-tip is actually very wise, it's exactly how I think about the time to value ratio where I'm not really asking if something is worth the money, but rather me being at a place I dislike, doing something I dislike for x amount of time.
Great tips!!! I finally bought a good cellphone because I'm using it for our TH-cam videos. Prior to this one my cellphones cost me about $25 and they worked fine. I only had texting and calling, no data on my old cellphones, and my monthly bill was $28 for the cell plan. I actually had people offer to give me their old cellphones or their kids old cellphones for free but I just laughed and said why this one works fine! My cars are old but they get me where I need to go. And I will 100% stop and pick up furniture at the side of the road and refinish it. Free furniture? Hell ya! We saved enough money during the pandemic to buy a house in Portugal (technically it's classified as a ruin) and spend our first year in a new country renovating our house and learning the language. 10 months in and we are loving our new home/country. Dream big, spend little and live your life to its full potential. ✨️
30 years old still living with my mom
That’s ok. Be grateful you have the option. Not everyone does.
It's never too late to start! Excellent content in ALL of your videos. I recently found you on TH-cam. Keep up the great work!
I love your advice on buying used cars and avoiding sales. I have subscribed to this for years and it saves alot. Congratulations on saving.
Your videos are a breath of fresh air!
The ideas & attitudes you express are ones that can benefit so many people.
Recently, I visited a young family with one child. Two days after I arrived, the topic of money, saving money, managing money came up when we were eating dinner. The wife brought it up. I had just cooked dinner for everyone, using what they had on hand & she was amazed.
This woman is a good cook, she put a lot of effort into learning, so, I was also amazed by her, she was thinking of ways to save plus doing the work to learn.
It would have been rude for me to bring up the subject, so, when she did, I gingerly shared, gaging their reactions to make sure I was not over stepping.
Some things I shared that I have always done plus a few new ones.
1. Never got into the habit of drinking coffee. It's expensive chemical dependency.
2. Buying a water filtration system I installed, myself. Bottled water is expensive, the system paid for itself.
3. When I can buy the part & do my own car repairs, I do. Minor repairs, yes, technical engine repairs, no.
4. I do have a gym membership. I was given a Veteran discount when I signed up, yes, I'm a military veteran. I noticed that many people sign up, stop using it, cancel, then sign up again 8 months to a year later. The prices go up, the sign-up fees add up. I have kept my membership which costs 1/2 of what most other members, pay. I go through phases. Cheaper to keep it!
5. Only eating at a restaurant for special occasions. This includes drive through. Once in a great while, yes, still, very seldom.
6. Only one streaming service plus You Tube is all I need. I love *Star Trek* so, having the one streaming service is all I need.
This is the short list.
Always look forward to your videos you keep me on track .Love seeing you guys in your natural habitat! Being a minimalist helps and also fighting my instinct to be cheap for survival but sticking with quality as its always worth it in the end.
Shop second hand! I bought a FULL suit (blazer and pants) that fits me almost perfectly for $10!! I've also found nice brands like brooks brother blazers for like $3. If you can do that and only buy what you need, you'll save even more
Currently using a phone I’ve had since 2017. Saved so much money! When it finally stops working is probably when I’ll get a new one…
I liked all of your ideas... we save money on not buying paper products.... for napkins we use cloth napkins, cloth towels in the kitchen, and these can be found used or new, or make them.
Thanks for all the content Gabe. You're one of my favorite youtubers lol. Listen to you everyday while I'm working!
Thanks so much !
Gabe, for not finishing high school you're sure smart and have a lot of common sense! I've been cutting my own hair for 3 1/2 years. I like cooking at home, because I worked in a lot of restaurants, from dives to fancy restaurants, if you saw how dirty the kitchen is or seen who cooking your food you would never eat out!
Why do people assume that not finishing high school will automatically not make you smart and if you have a college degree, you are smarter. I know quite a few people that didn't finish, go on to have successful lives while college graduates don't actually use their degrees, are in deep debt, and have the common sense of a gnat.
Dave Ramsey called, he wants his one liners back.
I can tell how much work you put into this single video. Great video. Love your vibe
You don’t need a cheap phone buy a really good one that’ll last 4-5 years most cheap phones may save you money in the short run but they often crap out after a year maybe 2
Thanks for this video.. made me realise I have been following 95% of your tips here and I am living a minimalist lifestyle.. thank you for the other useful financial tips!👍🏼
I thrift shop for my clothes, and we rarely eat out! Like you, I hardly even drink alcohol, and soft drinks.
🧢👖🔥
2006 hyundai sonata is the best car. believe me. the only thing i fix for using it for 6 years is battery. just do the maintenance and it will never break. still going
Great advice Gabe and we have been doing most of them for 50 years.
It did take us from 1974 to about 1987 to save the 100K but our taxable income was less than
20K every year back then.
One suggestion we have is that for most of us, taxes, and not housing is our biggest expense when we look at all of the money we are forced to send to the IRS, payroll taxes, and state and local taxes and fees. For many, it is well over 50% now.
We also continue to be frugal in our MN winters by keeping our house at 60 when we are home and 50 when we are gone or at night.
This was a wonderful and very much needed piece! We young people must understand that saving is not enough. It's a good start, but given the way the economy is going, you have to do better. Investing that saved money is a must and diversifying your investments so you have multiple streams is key. Of course, you have to be well informed on where you put your money or better still, get a pro to handle it for you (that way, you save time and minimize risks). Made my first million this way earlier this year from investing my savings something as casual as forex. Good luck!
Amazing approach though not quite as easy... You mentioned something about using pros., if it's not a bother, do you mind telling if you used one to achieve this feat and recommending any good one? I could definitely use help right now as my finances are currently in a terrible state... I look forward to your reply...
real solid talk right there
@@chriswilliams2061 Funny enough, I can honestly relate. Nobody said it was easy as it takes some level of decisiveness and discipline. Yes, of course I used one. I know next to nothing about forex and all. I don't know if I am permitted to go into details here, but her name is "Leah Marie Sandock". Was in the news a lot in 2018. You may look her up for more.
@@trishawallor wow I know this little lady. Once attended a fundraiser she was also in attendance in Vancouver,, Great speaker with a funny accent,, She's American though, I doubt she works with foreigners,,,
@@trishawallor Thank you...
Thank you for this video. You give practical and realistic tips that the majority can do. I have learned a lot. Keep posting!
Cutting my own hair I tried for the first time fairly recently - it worked out fine;
Still saved me $40-$45 CAD.
Love your channel and the simplicity by which you (and your partner) live their lives. A dream!
While I always appreciate the tips you give in your videos, I really enjoy the creativity and humor in your presentations. I love your hustle. Keep up the good work.
Thanks! I have a lot of fun
@@GabeBult It's been said, "If you enjoy your work, you'll never work a day of your life." You are an inspiration.....and I'm 68 years old! haha
It’s not time is money but time is greater than money. Wealth is measured in time.
Hell yeah. Cutting your own hair is super useful. I picked it up during COVID and just never stopped.
Constantly increase your income to expenses. It’s ok to enjoy making money along the way because it may take 3-15 years depending on the hole you dug yourself. But if you r young with little debt to no debt, with ward work it comes quicker than you would expect to totally change everything. Bc you could “torture” your self to get there in 3-4 years or enjoy yourself and do it in 5-7. Without total sacrificing your young years while still hitting your financial freedom goal. Now still you need to say no to a lot but a lot less than being extremely stringent. Keep on the content bro you should have way more subs.
I love how the car industry make out old cars are bad for the environment when in reality wearing out what's already made beats making something new and scrapping something that's perfectly fine
Saving 100k & with a mortgage?! 😮😮😮
👏🏽 👏🏽👏🏽
Earned my sub! The couch 🤯 so creative.
This is probably the most helpful video I’ve watched thankyou 👍🏻👍🏻
I actually appreciated that couch shot. That earned my like and sub!
My husband and I are using one car. His truck needs work. It's not getting better by sitting, but it's not costing as much as it could have. We are looking at buying a fixer upper vacation home. My husband is very good at fixing up homes. After it's fixed up, we plan to rent it out and reserve time for our own vacations. I just watch the Spotify ads. We're doing a no buy thing until the debts are paid off. That should be this year.
I'm 29 and haven't even earned 100k in my whole entire life... I'd say most people already do these things out of necessity!
Love your brain. My husband and i have found company, finally. Pretty much everyone we know live to IMPRESS. keep the videos coming....you are helping many people. Not us cause we are already "like minds".
couple years ago I got into triathlon. Was already a swimmer and a runner. SO I had to buy a bike. I bought a 1500$ road bike + shoes + pedals (2000$ canadian total). I would tell my husband that every km was equivalent to1$ I spent. Probably did 10000km on that bike. Sold the bike a couple months ago for almost the same price I paid. Now we have TT bikes (got my husband into it !!). Got over 5000km in 6 months. Still have 5000km to do to pay it off !!! Worth every penny.
Fun, Cheep and Free thing I do, Walk dogs!!! I HIGHLY recommend checking out your local Dog pound or shelter, you can go and interact with animals and they REALLY appreciate it, and you can feel good knowing you made a dogs day better
"Luckily we didn't go to school. I even didn't finish highschool." That's a statement. 😁
Do what you want, you’re young. Youll be okay
Thank you! Watching your video for the 1st time & great advice
It’s crazy how you could do this. Like have 3 jobs. It’s difficult to just get one.
You only have one child and that's fine. But others with 2-3 kids it's doable but Harder. Food for thought
When my husband and i go out to eat we split a meal. We are both satisfied and don't feel like we over ate. We also order water with our meal. This saves lots of money and we are able to afford to eat out in this economy (2022).
I would love if you did a video on the meals/meal prep that you guys do for a week or two!
I do all of this naturally, without even thinking about it :)
Just started doing the "If I don't cook it, I don't eat it" diet. No eating out. Only fresh vegetables, fruits, homemade snacks. No garbage snack food. No Soda, etc. Saves a ton of money.
I'll make an exception for special occasions. Celebrating the wife's graduation. Christmas at mom's. Etc.
Put a bowl in your kitchen sink while your waiting for the water to warn up catch it in the bowl or washing vegetables then water the plants.
You are a rock star!
You know why do we think we need the newest stuff? Older things have character. Is there a sense of validation when our homes look perfect?
So we avoid debt like crazy but sign up for numerous credit cards, take out multiple mortgages, etc etc. thats a tip i woulda just left out if it was me
Couple I been doing is cutting own hair , buying cat /dog food in bulk
Trying to save up to pay car insurance every 6 months to save $100 or so a year , ... paying Amazon prime membership in full to save $40-$50 vs the monthly ....and putting a couple bills like phone bill on automatic payment to save 10% off ...
GREAT VIDEO
That is american dream they talk about
Relationship!!! The cost of going out for dates, drinks, etc. adds up. If you’re in a good meaningful relationship it’s valuable that instead of looking elsewhere
Congrats . Hello from Ireland. If only most people could do what we do. Planet would be better and so would we.
I save most of my income. I work a normal 9-5 and save 100% of that money as I paid my bills off (besides rent and stuff) over a year ago so I have no debt. I also work DoorDash 20 hours a week on the side and that alone pays for my life and I still have some “fun money” left over. So I never touch the money from my normal 9-5. At least not in a long time. So working 60-70 hours a week has a perks, but I only recommend It if you’re like me and have nothing else to really do currently.
Free money: putting my stupid medical bill payments on the credit card that had the best cash back program, and then paying the bills in full. The fall I had breast cancer, I paid all the bills with that card, paid it as treatments went, and the cash back paid for Christmas when I was done. It so worked for me. Dammit.
which credit card was that?
Also not everywhere will do this, but the hospitals In my town will give you a 20% discount on your bill if you ask and say "Can I get a discount if I pay this upfront today?". This has saved me so much money.
@@daisymaedog Thanks. Yea, I've been offered that a few times. I had cataract surgery last year (I've had a very exciting few years in my health life...) and the bills were huge. The hospital surprised us with an extra $2000 bill and I told them, look: I have other medical bills. This is really difficult for us. The lady instantly offered 10% off if I could pay it in full, including just putting it on the credit card that was giving us 18 months interest free, designed for medical payments just like we were taking on. So I took that deal. It was $200 off, which was helpful.
@@MarielaMerino I'm pretty sure it was American Express.
Can I just say that your level of editing is just amazing? 👍 I can see it’s so much effort goes into making these videos! Awesome job! Thank you for sharing! 😊
Thanks 🙏
You don’t know when life is going to end.. Live and make fun. It’s all you can do on this planet.
me have no friends at age 21
:(
Dear Gabe, your contradictions are really hilarious, and that makes me realize smart people are always learning and self-correcting. LOL and learning A LOT with you. Wish you have your Tesla already. Best to your beautiful girls!
Not getting INTO debt on the first place is big. So easy when you're young to rack up the credit card.
My first here. You are so handsome. Thank God for your life