Check out this video where Chelsea discusses little improvements you can make to your life without too much extra effort: th-cam.com/video/vDSV9ceXr-0/w-d-xo.html
For travel I like cruises. There are so many good deals. One type of cruise I like are "Repositioning" Cruises. These are cruises that are moving from one region of the world to another to begin a series cruises. An example would be an ship moving from Alaska at the end of summer to Hawaii. In April I am sailing from Panama to Lisbon Portugal. This is a 15 day cruise. I am going by myself at a cost of $314. Now if you count gratuities and port fees and taxes I will be paying a total of $600 apx. (Most of the time we are are sea and will be only stopping at 3 ports). All my food and entertainment will be covered on the ship. Is this ship the newest and biggest ship? No. But it is well regarded. Other cruises to consider are last minute cruise deals.
1. drinking fancy booze 1:25 2. getting more space than you need 3:24 3. dividing your weeks into "depressed weekdays" and "YOLO weekends" 5:33 4. having different wardrobes for different things 7:21 5. wedding parties 9:05 6. taking initial offers 10:20 7. overspending while traveling 11:37
zrr honestly I saw someone else do it on another vid and since I often have limited time I figured I'd contribute while I actually had time to watch an entire video lol
No good deed goes unpunished apparently. This is done often and has nothing to do with "not liking to listen to her talk". It's also handy for example when you come back and want to listen to a specific point she made.
1. Drinking fancy booze 2. Getting more space than you need 3. Dividng your week into "depressed weekdays" and "YOLO weekends" 4. Having different wardrobes for different things 5. Wedding parties 6. Taking initial offers. 7. Overspending while travelling Pd; te amo, Chelsea.
Andrés Rubio Thank you so much. 15 minutes is too long for a 'tips video', even shortened to 7.5 mins at 2x speed. I appreciate the cliffnotes so i don't have to watch the whole thing.
I agree with her on the haggling thing but I think she kinda miscommunicated the idea. I wouldn't haggle with... like, a clerk at GAP or H&M. or a starbucks. and if I did it would be in the form of asking if there's a discount of any kind and not press the point. But what you can haggle for example is, say... a new washing machine at your local appliances store. or a car from your local car dealership. Stuff that's not corporate. also, your utilities provider. (internet, electricity etc). Every time I'm calling to disconnect a service or something...they throw a discounted plan at me to get me to stay with them. (porn websites do the same too actually). So yeah those too can be discussed I suppose. or just jump from a service to a cheaper one and you'll have a discounted plan thrown at you :P
As someone who is a factory operator, I feel the "solution" to the "too many clothes for different occasions" best applies for someone in an office job. When you work in a factory you expect the clothes you wear to get torn & stained. You're NOT gonna want to show up to the family Christmas dinner in blue jeans & t-shirt that are stained & torn unless you want to be judged for looking "like a slob." And you definitely don't want to wear something nice to work because again, it WILL get torn & stained!
I want to add a side note with taking initial offers. If someone makes something handmade and/or ethically, please don't compare their prices to a similar mass produced product in a big box stores like a Target or Walmart. Be respectful when bargaining for a lower price and don't tell someone what you think their product (and time to make said item) is worth :)
Arie R. Likewise with professional services. Do you really want a cut rate accountant? Negotiating a good deal on your mani might have little long term consequence, but if it’s a service where a long term relationship is beneficial, you want someone who knows their stuff and what they are worth.
I mean yeah its often a fallacy to compare factory to hand made, but remember that the value of something is ENTIRELY defined by the buyers. If people keep saying g they don't wanna pay so much for your product that's kinda too bad.
I don't know if you were thinking about the situation where a customer was overly demanding & intimidated a hobby knitter into making a blanket at the same price as Walmart. But your comment reminds me of exactly that! Like WTF you're demanding she make it out of alpaca. That's not necessary for survival! I don't fault anyone for going to Walmart or eat fast food because cost of living is so expensive, but you don't need to get a handmade blanket in fancy yarn
I was raised in one room/one kitchen apartment (30sq meters). I literally had no half a meter to call it my own, no space, no privacy. In the first ten years of my life I developed a habit to lock up myself in bathroom struggling for being alone. I never ever will understand the idea of 'living too far apart' or the idea of 'too big house'. For me big space to call my own is the rarest, most precious gift of life.
I have a really good tip for travelling: prepare a 'spending budget', say $500 for the entire trip and have it in the target country currency (say Japanese yen). Instead of thinking "It costs X yen or Y bucks", think "it uses up __% of my spending budget'. That way you will be able to nicely distribute your budget throughout the entire stay.
I will always have two parts of budget. One for spending, another would be actual emergencies. Emergency would 60% of the portion. Restrict yourselves from using the money unless you really, really, REALLY have to.
Brendon Parker The point isn't to drop dead with millions in the bank, but to be able to live comfortably without having to work as a WalMart greeter in your 80's because you failed to properly set aside enough in your youth. Life is short, but it's so much longer than you expect.
Two issues with the data: - Younger generations spending more on nights out is probably due to the fact that they're young, not that they're in a particular generation. - I spend a lot more on Saturdays than on Tuesdays because that's when I go grocery shopping.
My friends and I have a ritual called "Wednesday Friendsday". Every week. no matter what. We hang out at one of our homes, play games, or watch a movie. My friends typically bring their kids so that everybody can get in on the fun.
When I was getting married I told my bridesmaids, "the colors are Dark blue, light blue, and butter yellow, the dress needs to be tea-length. Pick something you'll wear again." Been a bridesmaid twice and hated both looks.
Never goes to parties, never anything formal (weddings, funerals etc), never hikes, never does anything that requires stretchy AND comfortable clothing (like yoga or just hard chilling) never changes clothes when different weather? Or you wear the same thing to all those things, including bedtime and in all weathers? If so, I'd really like to know what item rocks all of those things :P
Cool, I don't do different things either, I lay completely still in my bed 24/7, literally not touching, watching, reading or doing anything all day. Doing different things are for losers.
I do exactly as she mentions in the video. I have a wardrobe that easily dresses up and down. I don't have dedicated formal occasions, I use my typical officewear. You can hike in the same jeans you wear daily. I don't wear anything to bed, so I don't have a wardrobe for that. I wear layers of clothes in cold weather. Is this really that complicated for you?
Everyone, please do not try to haggle at a normal store. They send out coupons for a reason. If it's a high cost item, sure, but if you're going somewhere for food or something, most of the time they literally can't lower prices for you without getting in trouble.
"...you are really removed from your neighborhood, community and town...you're also really physically separated from the other people in your house." I thought you were telling me what's bad about a large house, instead you're selling me a dream!
Green Barrel “the yard is a total bitch” Nah man the yard is an escape. “Oh yeah I’ve got to chop up this wood and weed whack after I mow the lawn and just keep the kids inside I’m starting a fire” my yard is amazing.
My Aunt had a room that the vacuum lines were perfect and no foot prints on the carpet and we were not allowed in and had to head to the downstairs livingroom instead.
At my wedding I had three bridesmaids and I told them to wear a little black dress and comfy shoes. They didn't have to buy anything new or spend any money because what I wanted them to wear they all had. They still "matched" without spending any extra money. This may be something to consider if you want a wedding party. We also didn't have separate bachelor/bachelorette parties. We all just went to dinner and hung out. We saved so much money and everyone could meet everyone before the big day.
I did the same thing. Gorgeous pictures were the result because my girls loved their dresses and the dresses suited them perfectly. Everyone looked awesome!
Once upon a time a 9-5 job was 9-5. Now, we are expected to work 8.30-7 or longer (I usually work at least 12 hours a day in the office) due to pressure put on us by our management- generally those very baby boomers who worked 9-5. This is why we see the week as a weekly drag and yolo weekends, we literally don’t have time to do fun things during the week.
JennyWas13 - women didn’t work back then. When you allow women on the job market, that’s 50% of the population adding to the competition for jobs. Feminists, this is what you asked for so this is what you get :)
@@astodone9022 we literally wanted equal rights for everyone, not to have to slave away at a job that refuses to pay anything more than minimum because of the CEO's and corporate people decide they don't want to "lose" money by paying us a livable wage. Why don't you get married and be the sole provider? See how long your family can survive on minimum wage. Women in this time period have to work or we don't survive. Before yes it was a privilege but not anymore. Don't complain about feminism when it's there to benefit you too.
I would get 9-5 contracted so they cant change it and force you to work more hours. plus legally they need to give you a 2 day notice to working over hours. they cant fire you for refusing or you can sue.
@@darkshadowsx5949 that sounds great in theory but good luck landing another job once it becomes public (which it will very quick) that you sued your last employer.
My parents paid about $17,000 for our brand new split level house (3 bedrooms, 1 & a half bathrooms) in NJ in 1959. That house just sold for around $250,000 in the last 5 years. That's just nuts! The prices I paid for things as I began adulting now cost 10 times as much, from hamburger and bananas to cars and houses. Has my income grown that much?? Not on your life!!
I live in So Cal and bought my house almost 20 years ago for $165K. Seems like a lot but my mortgage, insurance and property taxes are less than what I could rent my house for. Plus my house is worth $700k now. My 20 something year old sons can’t afford to live in our neighborhood. Ridiculous.
I've got 1 & 3 solved: I don't drink expensive booze and I don't divide my week into depressed weekdays and YOLO weekends - I just stay depressed all week and drink Trader Joe's $3 buck Chuck wine. Boom - problem solved
As a Gen Xer, I think younger generations go out and eat and drink more just because they're younger. When I was their age, I did the same thing, we both had good jobs and no kids, so we had lots of disposable income. We lived in Honolulu at the time, so we were constantly going downtown to eat and drink and gawk at the hookers and Japanese businessmen, lol. It was nothing to hop a flight to an outer island for a weekend to catch a concert or see the volcano, etc. THEN WE HAD A KID!!!! We actually still went out because we had the best baby ever, he just never cried, so we took him everywhere. He took his first steps in favorite restaurant/bar! As we got older and had another kid, who was more of a wild child, not a crier, just really curious and into everything, constantly, lol, we stayed home more, it was easier. So I don't think its really a generational thing, just more of a stage of life thing. You go out more when you're younger and become more homebodies when your a little older.
Stephanie Darling honestly disagree, drinking casually with friends can be a great bonding experience and really fun. Limiting drinks to at home or to only one at the bar seems a lot more reasonable for those who like drinking.
Yeah, it's great until you have a hangover. It's nicer to be around friends soberly - but this is all personal preference lol. To each their own, drink up! :)
While I respect that smaller spaces are often a good idea, as someone who has had food poisoning at the same time as their spouse, I will never have only 1 bathroom ever again.
That is typical American. To spend large sum money is just for a very rare chance to use it. I marry an American, my husband spent 10000 dollar to install a wall-in bathtub for his mother to visit for a week, she used it totally twice, and we spend rest of five years to pay for it. My idea of pushing her wheelchair into shower and help her with shower is not acceptable.
I absolutely agree. Never buy a house, condo or whatever without at least 1.5 bathrooms! I could deal with one bedroom and a sofa bed in the living room, but make sure there's a guest bathroom, preferably with a shower if you can afford that, too. Also, don't waste so much money on booze, at home or out. Saving that money might help you with the extra bathroom.
She should've mentioned going out for coffee. Starbucks and such places aren't cheap. Staying in hostels in Europe can save you lots of money when you travel there. If you're with a group of 4 people you can rent the room for yourselves. It's pretty awesome! You can usually cook in the kitchen some too.
Justin Davis I don’t drink coffee so never went to Starbucks. I recently transferred to the Starbucks in the office building where I work. Holy Cow. The smallest plain coffee is over $2 including tax!! Now I know that if I buy a 20oz bottled soda is also about $2. But all of the higher end drinks are in the $5 range! 😳
Me: "Hey guys, wanna grab a drink after work? Y'all could come over to my apartment and enjoy a wide range of beers and literally any cocktail you could imagine, for roughly $0.75 per drink, enjoy one another's company in a comfortable setting where we can listen to whatever music or shows we want, and relax on comfy furniture. Or we could go out to a nearby stinky, smelly bar and pay $7.50 per drink while getting sandwiched between two crowds of oblivious college students. Which would you do?" Literally everyone: "Let's go to the bars!"
I don't understand this. Luckily, my friends seem to be reclusive enough to want to stay in for drinks. Plus, don't have to worry about getting a cab or where/when you're going to crash or have to wake up.
Nailed it. I have a nice apartment, a dining room table, food, booze, board games.. and my friends would rather spend $20 on a night out while complaining about being poor. 😑
My dad always criticized me for playing video games, but he never gave up his childhood equivalent: TV. Now I'm a grown ass man who criticizes new generation addiction to social media, but I still play my videogames. Every generation is different
I can understand everything being said. I can sympathise with it. Watching this and reading the comments, I am so glad my mother raised me to be a thinking person who will not be 'made' to do anything or 'has' to do something because of media or peer influences. The pull of peer pressure is crazy, but there's one easy way to deal with it - just don't forget you are a person with a brain who can make decisions for themselves.
I have a 2400 square foot home and I love it. We all have our own rooms and we all use the family and living rooms. It's just what makes you happy. Coming home to a nice size house makes me feel comfortable and relaxed.
I've got the feeling that the video woman never had to struggle for anything in her entire life. It's ridiculous that a woman who has obviously never experienced poverty is telling me how to save money. I know how to save money, I've had to tighten my belt so many times I ran out of belt, we with less survive by spending a minimum on necessities and nothing on luxuries. That's how WE survive, the video woman survives on her expense account. Not the same and I kind of resent someone who has never been poor telling me how to save money. What a load of crap. I could write a book on how to save money, the video woman couldn't write a short list.
You will be surprised. Once you get married and have a two income household. This kind of stuff happens even to lowerish middle class. When I left the poverty level, my bad habits just got more expensive
I agree with all of this, but just wanted to discuss about haggling. We should definitely all do it when appropriate, but as someone who has worked in a lot of "chain" retail stores, please please please don't haggle! It's fine to ask if we have any sales going on, where the clearance section is, or if there's a student discount or something, but saying things like "can you give this to me for cheaper? Can you take off the tax?" etc. is really uncomfortable for the employees. Unless you're a manager, we don't have the authority to issue discounts or lower the prices of things, and arguing with the employee or being persistent is so uncomfortable! I've had countless people scream at me when I tell them I'm not allowed to discount something. A lot of people think that if they just keep asking over and over that the employee will give in, but please consider that if they do give in then you probably just got them a write-up or in serious trouble with their boss/head office. So yes, haggling can be a great way to save money, but please be aware that most employees at regular retail stores honestly aren't able to give discounts without getting in trouble, or potentially fired. I've had so many really persistent customers who get so worked up over the price that it sends me into a panic and I give in just so they'll leave, and always end up getting an e-mail from my boss saying head-office wasn't happy. Saving $5 is not worth getting someone fired so please don't haggle in retail chain stores!
Laura Springall you are spot on. Management gets alerted on any discount and it often gets employees in trouble without the customer ever knowing what kind of damage they are doing. MSRP is often set by the product manufacturer or distributor so any discount given can cut into store earnings which can directly cut into payroll for staff and how many hours employees can work. It is this case in many mom and pop retail stores and very much in large corporations with part time employees.
I think Laura is "over-thinking" this. Haggling or asking for a better price does not mean screaming, arguing and getting people fired. This behavior is never acceptable.
Jane Doe No. The point is I would have to make so much money that paying someone to clean is nothing. It is such a small percentage of my take home pay. If I make 350k a year, I am definitely not quitting to sit at home and clean my house lol
You can pay someone to clean it once per month if your wife won't do it. Also there is nothing wrong if you personally are happier living in a cardboard box or trashcan. Just don't make it a virtue.
Yeah, we’ve lived in a two bedroom apartment that costs as much as a big house with four rooms and we could only afford to do so with another couple who were friends of ours. Somehow I doubt the size of homes affects the price more than the housing crash of 2008
I work in construction; specifically, the company I work for builds high end homes. So I totally understand and agree that new houses are too big; some of the houses we've built are just plain enormous and unnecessary (except the bathroom bit that you had in there; you need at least 1.5 bathrooms imo). BUT, as someone who has lived in the countryside for my entire life, I disagree with the idea that yards and property are bad because they separate you from your community. I like having a good amount of property separating my home from others-- it gives me privacy, my animals room to explore and play, and is just plain beautiful. Living in an apartment complex or in those new sardine-packed suburban homes sounds miserable. I don't want much interaction at all with the people who live around me. Maybe if my mail accidentally gets delivered to them, but otherwise, I prefer that we leave one another alone. Maybe I'm alone in that though, I don't know.
Cheyenne Hawes I’m a perspective urban planner who is all about high density (it’s better resource management and when designed properly it offers better outcomes for individuals, communities and productivity) but I do understand a need to be alone and to have privacy but I think that through good design you can achieve this. A friend of my grandfather was an architect who’s passion project was building his home into a residential complex and central to his design ethos was the idea that there was an appropriate ratio of shared and private spaces and so in the communal environment he created you could be totally alone when ever you needed to be. Humans are a social animal and we do absolutely need community but sometimes our environment conditions us to prefer isolation even when it definitely does make us less happy, more stressed and even less physically healthy but as they found in the communes in the 60s you definitely can have too much of a good thing. I’m from the country too and most of my life I’ve had plenty of space around me. But as a child I moved to a village which was much more community oriented and into a smaller house that was open plan except for the bedrooms and bathrooms. It took some serious adjustment (including finding solitary space) but honestly it was the happiest time of my life and even though everyone was poor there they were a lot happier than anyone else I’ve ever lived around. One of my goals as an adult is to recreate around me what I had as a child because that experience revealed to me how lonely I had been up until that point when I wasn’t in school and I’ve felt lonely ever since we left.
@Allie: I really agree with this. It's up to the community to keep a comfortable mix of shared and private spaces, and that can be difficult when us anti-social folk get thrown into the picture. It comes down to decent people, good design, sensible landscaping, and ensuring everything has a purpose. Space for the sake of space is... eh.
Average Trailer Trash yes! Open space provision is too often measured by the land area of certain kinds of open space (ie an elusive perfect ratio of sports grounds and parks to population size) when in reality it’s about creating high quality environments that the community feels ownership over with design that incorporates the needs and aspirations of the people it serves, including personal space requirements.
@Allie: Absolutely. The way that space is created and used matters so much more than the raw numbers. If it's not adding value to the community at an individual level, it's probably not doing its job. (Though I imagine such thoughtful design would be difficult to accomplish in more highly-regulated, highly-populated areas.)
1. Drinking fancy booze 1:24 2. Getting more space than you need 3:24 3. Dividing your week into "depressed weekdays" and "YOLO weekends" 5:35 4. Having different wardrobes for different things 7:21 5. Wedding parties 9:05 6. Taking initial offers 10:20 7. Overspending while traveling 11:38
this clothes part could be solved with if a dresscode at workplaces would not be neccesarry anymore. I mean, it makes sense that you HAVE to whear jeans or other cototn-fibres in a chem-lab because of safty-reasons. but there is no good reason for having to buy blouses, black skirts, suits and ties, if you are merely in an office-job and where you hardly ever encounter clients.
I do believe that you need different wardrobes for different aspects of your life. Something you’d wear to workout isn’t something that you should wear to a job interview. Too many people dress too casually for events in which they need more professionally/dressy. you don’t need to buy in excess the different wardrobe pieces for different areas of your life but it is important to have that versatility.
You only need 4 type of wardrobe, formal, unformal, gym and weather. You mix formal and unformal depending on the situation, sleep in your (old) gym, and weather is pretty self explanatory.
nikkicole54321 ...and, it needn’t be a lot! One slightly more dressy , “good” jeans, office attire that can double as travel/dates/church/gtherings, then the downgraded stuff, that becomes my bang around the house clothes, pj’s, gardening clothes, pump out the wet basement clothes, etc. Eg. An office pants outfit gets downgraded to “play or housework, gardening” clothing, even hiking pants...see?
The American house trap- I will never understand it (and I'm an American). I like things to be clean, and I hate clutter. The thought of just having empty rooms lurking all around me, filled with things to clean, sounds like a nightmare.
Here in the UK where land is increasingly scarce, prices are still increasing yet new houses are getting smaller and smaller as are the gardens, that's if anyone can save enough for an initial deposit and/or then source a loan. And as for renting privately, which in previous decades was the UK norm, tbh with major house shortage not known since the war, it's fast becoming an impossibility.
Abroad on a Budget Me too!! As an American who was thankfully raised in Germany, I can't stand the idea of having a huge house to have to clean and pay for stuff to fill up the house!! I got a tiny home as soon as I turned 18 😊
The house trap more or less can sometimes have to do with laws. My family is not a majority size, but while we did well and happy in a smallish 3bdrm. The laws in the areas requires a 5bdrm.
I am the same way.... The less the better. I am happier with a well planned 1300 square foot space rather than a silly 3500 sf McMansion you find everywhere.
This was a great video. I was "lucky" enough to grow up without ever having to think about money--well into my mid 20's, actually. I'm 33 now and trying to unlearn a lifetime of bad money habits--or LEARN any financial habits at all--is difficult and embarrassing. I watch videos like this when my boyfriend isn't home, and I've been implementing the ideas in our life. It helps that he's naturally a saver. Thank you.
Hi Chelsea, can I add two things to your list of adult money wasters. One thing is luxury shower gels and body washes. Here in England top 'celebrity/designer' brands can cost around £40, expensive brands (such as Molton Brown) cost around £20 but some very good products (Palmolive/Dove) can often be bought for 99p-£2. There are also som very good eco-friendly products out there such as Naked for just £3-4. The second thing is houseplants. I grew up with a mother that loves plants and was taught to look after a plant for many years. Nowadays (makes me sound old!) too many people treat plants as disposable and this has been fuelled by the supermarkets selling cheap houseplants that flower once then fade away. Orchids can last for many years and if cared for well will flower beautifully year after year -thrift with love. X
As a mexican, most people I know have an addiction to cleaning. We clean our entire homes every day. So the way we figure out if a house is too big, is to think about how much time it would take us to clean it. If it takes +4 hrs, then it's waaay more than you need....or that you can handle.
Catarina not really! Because northern countries have such extreme temperatures, they keep their windows shut so the air con or heating doesn't escape. Some homes also have "mud rooms" where you leave your dirty shoes and rain coats etc. This keeps their homes cleaner for longer. Plus cleaning services are pretty pricey. I know it's not a norm but at least most americans I know, deep clean their homes once every week or every other week. In contrast our cleaning lady (when we have one) comes every day.if not we do it ourselves and it's a pain lol.
@@itmovesitchats She didn't say that. This whole video almost feel like a social experiment into how far she can stretch correlation without providing sound causation, and instead injecting whatever she herself doesn't like or feels she sorely needs to justify.
@@TheAngWel I don't mind it too.much. we both work and its generally inexpensive stuff. But if we are I. The age of equality, why am I the one cutting up all the dang boxes!?
Check out a glass-blowing studio in your neighborhood. It's a great way to find quirky friends in a new (or old but not social yet) place. Plus, it's fascinating.
"most customer service reps are empowered to work with you on price" Excuse me? I've done customer service for years in various different fields and I've not once ever been able to haggle or known anyone that has.
In many industries, true. I've worked in fast food, some retail places, and as a taxi dispatcher - those rates are non-negotiable. However if there's one thing that I have learned about the hospitality industry after 4 years of working in a hotel brand call center is never take the first rate offered. The agent has to offer you their basic rate first, even if they know you'd probably qualify for a better rate - such as knowing you're a member of the loyalty program - they can't even offer you the member's rate if there is one until you object to the basic rate. If you ask, they're willing to look for better rates for you. They won't always be able to find one, sometimes that basic rate really is the best rate available, particularly if it's last minute or booking for a particularly busy period, but you won't know that if you don't ask. It's not really haggling, it's just knowing how the system works.
I think there's a language barrier here. When I hear "customer service rep" I don't think retail, I think sales. People paid on commission. New cars, insurance, home improvements, etc.
Your wage upon getting a new job, buying a car, buying a house, buying certain appliances or furniture depending on the store, are. She didn't say everything is malleable, she said "There are more than you're taking advantage of."
@Morahman7vnNo2 well yes that is true, but I see nothing wrong with that. Please note**** Most items that show "suggested retail " price is a joke. Most people would never pay that price....it's just a reference point for merchants to use to show customers what they think the item might sell for .... The items are usually "on sale" most of the time - one way or another. So asking for a discount - I have done it on slightly damaged items and saved - is OK. Arguing is NOT ok.
Could you please do a video on receipts? My mom has always been a receipt hoarder, and I’ve seen those scanners, but I’m not really sure how to manage receipts and what to do with them. Good video!
"Most customer service reps are empowered to work with you on price." I'm going to have to disagree with that. I'm sure that's true in some sectors, but lil ol' me on the salesfloor at Walmart can't give you a discount on this TV because you have an expired coupon for it. I know that's likely not what was meant by the video, but there's already a large number of people who think that customer service workers, even those that are just on minimum wage instead of on commission, actually have the power to lower the price of an item in the store, when in actuality we would get in so much trouble if we did.
Yes, please don't do this to basic retail employees, and if you're told a price is non-negotiable, please take that at face value. People used to shopping in places that do negotiate get so angry and really just make us lowly associates want cry. The associates at grocery stores, clothing stores, and in the food industry have very little, if any, power and are regularly abused by people who don't realize this.
Thank goodness I'm not that kind of a "Grown-up". I'm almost 30 and don't even own a credit card because it's such a slippery slope having that option of buying almost anything at anytime, even if you are strict with spending. Also our wedding cost around 150€ which included both rings and coffee/cake to us and our friends who witnessed our union. It was beautiful and I wouldn't have it any other way :)
My wedding was also awesome and extremely cheap. The price of the licence, basically. But still going strong almost 20 years later and it was fun and stress-free too.
My wedding was inexpensive in comparison of some crazy expensive ones: we paid for the license, for the wedding officer (it was expensive because we needed a bilingual one), we choose a tiny space of the public beach (that is free), someone borrow us some decorations (they brought them for their wedding) then we went to a fancy restaurant (just our families, my husband and I). The wedding dress was made by a friend who made all my special occasions dresses in my born country, Colombia (my parents brought me it, of course)
That's fine as long as you're still building credit. I have one card w a $15k limit available to me but I never get anywhere near maxing out a CC and I pay them off every month. It's about restraint and responsibility.
I read through some of the comments and I actually need to ask a question. Has anyone stopped to wonder if maybe millennials and 21 to 26 year olds go out to drink more often because they're younger and generally have less responsibilities? What would we find if we inquired the baby boomers about their habits when they were 21 to 26 years old?
TBH, I thinks it’s also that a lot of media is telling people that they can’t get the “real college” or “real adult” experience unless they go out and party. And tbh, I think it’s the presence of convenience. We have more access to bars and alcohol than we did twenty years ago.
You can still have bridesmaids and bridal parties on a budget. Just have your bridesmaids wear whatever dress they have (you can even check out everyone's closets and see if everyone happens to have a similar color dress and go with that). As for a bridal party just have everyone over for a pot luck, maybe play a silly bridal party game, and then just chill and play board games/video games for the rest of the evening (or whatever you enjoy doing with your friends). Being frugal isn't about giving things up, it is about doing the things you want to do in a creative budget friendly way.
or tell them to all go buy the same cheap dress at like kohls or something, i dont know what girls clothes cost, if want to spend 10K on wedding, try spend 5k, and invest the rest, the wedding memories will fade, but the investment will grow, that 5K in a decent place over the life of a marriage is so much more than a few more flowers on a table
living in huge houses is also a reason for people to buy more stuff to fill them. think about seasonal decoration, additional furniture that isn't necessary etc.
Mina Hellfire Im that person that'd do the most even in a small space. Although to me, seasonal decorations are more along the lines of putting up thick curtains in the fall/winter and using thicker blankets on my bed
I never understood the Perfect American House concept. I'm European, grew up in a family of five, shared room with my older sister, the entire family shared bathroom, like most people in Europe. Then I watch American tv and ...all the kids have their own bathrooms? Everyone has a separate walk-in closet??? How?? Why?? Is it trully necessary?
For most American families, there is a bathroom for the parents, one near the part of the house the kid’s bedrooms are at, and one near the public space (kitchen/living room) of the house. I agree, American’s aren’t great at utilizing spaces very efficiently, but even in more compact houses occupied by larger families (thinking of a family of ten here), having more bathrooms is useful for having company and saving time from day to day.
It's a fairly recent phenomenon, while I'm not a young whipper snapper I'm not that old either and almost everyone I know grew up sharing bedrooms and having one bathroom in the house.
It completely depends on the finances of the family. Lower income families tend to share rooms, middle income is a mix, and higher income has extra space. Outdoor space is another issue and can stem from laws in that area. For instance, my sister put a house on an acre of land between my mom's and grandpa's acres. Current laws say she needed 2 acres of land to put a house there but was able to do it through a loophole.
As I grew up, there were two bedrooms -one for three kids and one for parents -absolutely one bathroom for all. When we moved (I was 13), there were 3 or 4 bedrooms, depending on how they were regarded and used. Upstairs was a finished attic, and because my older sister got her own room and each parent got their two rooms, my little sister and I had the upstairs bedroom and ante-room, a finished attic room. There was still one bathroom for five people
True! A girl did her wedding for 5,000. Another one I don't know the price. But, it was about 30 people in this small restaurant. Best food ever! They spent a high price per plate, but since it she cut out so much on other expenses. It was still cheap for her.
We took 9 of our dearest friends out to a lovely restaurant ... after a tiny ceremony .... then we all went home for some cake and wine, and coffee. Then we took the money we saved and bought a lovely piece of land. We now have a sweet and MODEST home... with NO Mortgage.
My friend is getting married in a few weeks. She got pressured into having a big wedding complete with bridal shower and bachelorette party. I'm unemployed and spending hundreds of dollars since I'm a bridesmaid. I didn't even go to the bridal shower. She and her fiance are going into debt over it and their stress levels are at an all-time high. She regrets doing all of it and just wants to elope at this point. The sad thing is, we all saw this coming. Societal/family pressure is awful
@@VxNihili that's awful. She and her fiance should've assessed what was important to them and just told their family they can pay for it if they want a big event
@@MissedBandwagon That is a sad group of friends - totally the wrong mindset. I'm sorry they think like that. Time to get some more people who think about what people can afford and/or want. It's not about the guests - it's supposed to be about the couple.
Lol everyone knows that brand new cars depreciate as soon as you drive off of the lot but a video on more details of the experience and how to get a great deal would be helpful. I'm not in the market for a new car at all. I just think it's a good video topic lol
I can't agree with you that bigger homes make you unhappy or aren't used. I grew up in a 4 bedroom house with a pool and garden, where I grew my own vegetables as a child. 2 bathrooms for 5 people. It was bliss. As an adult I have been crammed into tiny spaces in NYC and DC and I have been miserable. Being "in the community" equals exposure to heavy perfume, pot smells, smoke smells, noise/sirens, and roach infestations, all of which I have battled. THAT is misery. I want to hear the rain, not the sound of drunk teenagers in front of my apartment complex late at night. I want to go for a walk without seeing tons of construction crews in the park, like here in DC. Give me a large house in the country any day of the week over this. I'll get a greenhouse, go camping, get a canoe, some dogs, hike in the forest, etc. Give me my OWN washer and dryer for my childrens' cloth diapers. Give me that any day over a tiny apartment in the city, roaches, bedbugs, creaky thin apartment walls, etc.
PREACH! Having grown up in the military, I've lived in everything from large homes to an RV with my family. The bigger the house and yard with lots of nature to explore, the way more fun it was! I love how this gal who lives in the city thinks she can tell us that living further out with some peace and quiet makes us more "unhappy". Yikes.
4 bedrooms obviously makes sense for 5 people, but there are loads of couples who irresponsibly live in houses with empty rooms for no reason. In my opinion . Also big houses don’t mean no construction crews or noisy neighbours . Obv
adygirl I lived in big houses for the first 18 years of life and never heard any construction crews and we were in suburbia. Also, never heard my neighbors because we were in a detached house in decent neighborhoods, not places where idiots play boomboxes on the street. I moved to Chicago and then nyc, and that was when I started hearing noise everywhere, garbage trucks at 6 am waking me up, loud footsteps over my head at 3 am. The thing is, apartments don't have bathrooms that aren't claustrophobically small, and they don't have kitchens with any counter space. I am health-conscious and make everything from scratch, not processed food. It's hard to cook in apartments and I have broken so many dishes because of lack of space. If it takes living in a house to get a reasonable sized kitchen and bathroom, I would choose that if I could. But I'm not sure if couples buy larger homes than they need because the developers make more money off them. In most places it is difficult tot find a starter home with only 2-3 bedrooms. If you worked in financial services you would know this trend is there because developers want more profit, and there are no regulations forcing them to make tinier, more affordable, and more environmental houses. If my choice were between a cramped apartment and a house that was too big with nothing in between, I would take the larger house. You can always do Airbnb if it's too much space. But it's preferable to noisy, crowded apartments with microkitchens and bathrooms any day.
Don't be shamed into acting on other's opinions of how you should live. This applies to both sides of the coin. If you want extravagance, enjoy it. If you want to practice frugality, do it. If you need a bigger home/yard to fit your needs, buy it. If you don't want the extra space, don't buy it. Do you want/need a specific wardrobe? Dress for the things that are important to you. Are you better off one way or another, no. If you aren't happy with your choices or those choices limit you, that's when you need to reevaluate.
She is just saying you should evaluate if you are spending that money because you actually want and valuate that or because you think it's what society expects of you. Don't spend just because "it's what adults do", actually think and decide about your spending.
I agree with you, but with the caveat that you should do what you want to do, provided that you can afford to do so. Don't live life extravagantly if you are living paycheck to paycheck, etc.
I disagree about what you say is a correlation between houses being further apart and depression. The farther I moved away from the city the happier I became. Socialization and being nerighboorly is fine but it gives me anxiety to see how close to each other and cookie cutter some condos and houses are
I would love to live out of nowhere but most people live far away from everything and then commute to work. Now, having to leave the house at 7 a.m. and getting back home at 8 p.m. WOULD depress the hell out of me. I'd want to live out of nowhere and be self-sufficient/make an income without travelling for ages. Sadly, that is not always realistic.
They've done studies on this... generally the further you live away from your work/the longer your commute/travel times, the lower your happiness. Of course, you might be an exception to the general rule :) But most people would like to be able to walk to work, the shops, their friends houses etc.
"cookie cutter" isn't a problem to me because everyone can make their space their own. However the most unhappy and miserable home I ever had was owning a house as a single woman. If that so called "desirable" neighborhood was a sample of the American family, then we have problems. My apartment is quieter. And safer. I seemed to be some strange anomaly because I was a female living alone.
yes! we’re in a suburb and i feel way too close to my neighbors. we’re looking to buy a little bit out of town so i don’t have to see/hear everything my neighbors are doing and have a little bit of land. not to mention the suburbs have about three types of houses they just rotate throughout a neighborhood with no regard to light or anything while building. just slapped together. bleh
...yeah, I’m gonna have to disagree with you on haggling. At my store giving out too many discounts for no reason can get you fired. And if the salesperson is on commission those discounts can cut into their paycheck. TBH when a customer starts trying to haggle with me I just plain walk away from them; they can be someone else’s headache.
Honestly I hate it when clients try to haggle too much. More often than not they try to haggle to the material cost of the product. It’s like they don’t appreciate the amount of human effort going into the product.
ive heard so many conflicting reports on Millennials and drinking....lots of studies are saying millenials are drinking less booze overall, and tend to favor drinking at home vs. out.... the exact opposite of what this video says. Mhm...
I think it doesn't help that the range for Millennial is not very consistently or narrowly defined. I've seen suggestions that birth year 1981 is the start of the Millennial range (which puts me in it, but only just) and that people coming of age right now are Millennials. That's a range that's coming on 2 decades, and a lot of stuff happened in that time frame to make people behave differently. Some differences I can think of right away: Older Millennials * Teen years in the optimistic, prosperous post-Cold-War time. * First computer interaction was probably a version of Apple ][ in school with monochrome CRT. * You should bring a quarter with you in case you need to call home. Two quarters if you're feeling kind of paranoid. 35 cents later on! * Long distance charges were a real thing, and would reduce your interaction with anybody who was very far away to probably just holidays and mass media. Young'uns * 9/11 is a historical fact of life, and we've always had this background haze of handling semi-domestic terrorism kind of poorly. * The internet is basically always available. Somebody has a smartphone everywhere. It's really rare (and scary) for there to be a situation where a group of people is completely isolated from the world. * Mom, can I have a cellphone? I need a cellphone, how else will I tell you that I'm going to be late / where to pick me up? What if I get lost? Better make it a smartphone, everybody who's anybody has a smartphone. Okay fine dear, but it's going to be a cheap model and it better never leave the protective case. * Twitter, Facebook, TH-cam, Instagram, Snapchat, Vine, FaceTime, Skype, Hangouts, and 20 other things that I don't know exist. If you want to talk to somebody far away, it's basically free after you've gotten the (relatively cheap) internet connection. We're all such different people and the cohorts of people are narrower than just "this couple decades of people kinda think similarly and gave birth to this next couple decades of people". Oh, sorry about the book.
As someone who's right on the younger edge of being a Millennial I can tell you almost all of us drink and smoke far too much. I've seen studies saying the opposite but I have a feeling they're missing something (like the fact most of us would lie about it too)
@@gazelle1467 As someone on the older side of Millennial-hood, myself and several friends don't drink at all, be it at home or out at a restaurant. I've had the same bottle of vodka for the last 10 years, it's only use has ever been for cooking. I know two who have never had a drink in their lives - just never had the urge to try it. Studies on human behavior among a generation are hard to get clear pictures of - regardless of what generation we fell into, people are still people, we're as varied between ourselves as we are compared to baby boomers.
I just have to add a small caveat about the travel expenses thing. While you should never go nuts and forget about all that you are spending, I've found that as I grew up and I realized that there was nothing I could forget to pack that wasn't likely easy to purchase at my destination, my stress-levels for traveling dropped precipitously and I just plain had a lot more fun. (and a lot less luggage) End up in London where it's ridiculously hot and sunny outside (yeah it's awesome and I feel lucky, but all I have are pants and heavy shirts) ? Go to a store and buy a pair of shorts and some sunblock. You don't have to pack for every eventuality and even though you will be spending more for the same stuff, it's absolutely worth it once you really get into this mindset, and traveling is just way more fun and easygoing. Happy trails!
Love #3. My last employer often gave employees free movie tickets that were good only for the day they were given out which was always during the week. I found that it made my week feel so much more relaxing. I have never forgotten this.
Millenials are drinking more? Huh? I don't think that is true. It certainly isn't in the UK - alcohol consumption for young people peaked in 2002 and has been declining since. And the UK and US tend to mirror each other in broad social trends, and from what I've seen the same is true is the States. I'm guessing the proportion of money spent on alcohol outside the home may have increased because young people drink _less_ in the home. Also, compare Millenials to Gen Xers and Baby Boomers _when they were younger_ not today.
Merry Machiavelli In England (not the whole UK) drug consumption is increasing alot. It's by far the country that consumes the most drugs out of Europe. So it's a small plus for a big minus.
+ThisIsTaco! Are you talking about the population as a whole or young people? Because if you are talking about young people specifically, there has been a decrease in drug use in the last decade, from 24.2% of 16-24 year olds having taken an illicit drug in the last year in 2006/7 to 19.2% in 2018. Source: NHS/Office of national statistics: digital.nhs.uk/data-and-information/publications/statistical/statistics-on-drug-misuse/2018 Overall across the population fewer people are consuming illicit drugs, but more people are dying of them or being admitted into hospital due to them. Which from what I've seen elsewhere may be due to drugs on the street getting more potent.
Hmm...There is another source from Public Health England with a seemingly broader scope (it includes alcohol), looking at young people 'accessing specialist misuse services', and it says rates have declined year-on-year since 2008-9. Although, I will grant you in the 'background' section it does mention that one survey did find that drug consumption rates (especially for nitrous oxide and new psychoactive substances) had increased in schools, all in the all the authors seem to suggest rates of use amongst young people are stable currently against a longer-term trend of decline. Source: chrome-extension://oemmndcbldboiebfnladdacbdfmadadm/assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/664945/Young-people-statistics-report-from-the-national-drug-treatment-monitoring-system-2016-2017.pdf By my understanding, opoid abuse is much less of a problem in the UK than in the US, but where it does happen, those affected tend to be older (not a lot of young people suffer from the types of chronic pain that lead to geting hooked on opoids in the first place).
Merry Machiavelli Yeah, most young junkies know to stay away from opoids, but with new drugs hitting the market every 6-12 months, they feel pushed to get new experiences.
One of my favorite things about this channel is how circumspect you are about recommendations. Not everyone needs the same things from life, and TFD is aware of that and comfortable with it. It’s so refreshing to see people capable of providing good advice and good information without shaming people for having different needs and different personalities. Y’all are doing something right. 💚
Well, she did say that Americans live in too big of spaces. I thought that was a very individual thing and shouldn't be decided by someone living in an apart in NYC - someone who has no idea what it's like "out there" in the rest of Americana if they've done that their whole life. (I say that because as someone who has never lived in a tiny apt in a huge city like NYC for more than a week - and it was miserable- very much looked forward to being able to get out and have some 'elbow room'. So, for the most part it was not too judgmental, but I thought that part was a bit. But it's true that as a rule, Americans live in a lot more space than they used to - say 30-40 years ago with fewer people in their houses.
I feel like the housing advice was a bit onesided. As someone who grew up on a hobby farm, I would prefer to have that kind of land and take care of it, opposed to having no yard at all. Also, as someone who has a business casual wardrobe, scrubs wardrobe, and home clothes, all of them are necessary. I'm not gonna wear my business casual clothes into the ER...
Rae the PA I’d rather have community open space that I can use whenever I want near by than a yard that costs money and energy to maintain and serves little actual use, productive land is different because it offers enough reward beyond a silly bourgeois aesthetic. Literally the origin of lawn culture was rich French aristocracy showing off their wealth by maintaining land that was not used for production at cost I might add to the peasantry who farmed it previous to the fashion trend.
I'm sorry, but having no idea where you grew up, I doubt you grew up in a rural area, let alone in the country like I did. "Community space" is not a thing unless if you want to drive into town to use it. Even then, community space is often poorly maintained. Yes it takes time to maintain our yard, but also in the warmer months (Minnesota winter seems to get longer and longer) I grew up putting up temporary fencing and having temporary pastures and my parent's horses would do their cycle around and help with lawn maintenance. I spent a lot of time in our yard. We were always outside doing some sort of activity. So, you're not going to change my mind about having a yard because I actually want to use it. It is a personal preference.
Rae the PA I grew up in a number of environments, including a very traditional rural environment where we had a few acres and were surrounded by massive farms including, also we lived in deep bush for a while. The yard as in a lawn is a gross misuse of land in the suburban context, a yard in the rural context is entirely different and does not have the same negative factors. Most people don’t live in the rural environment and less and less will as time goes on and so the discussion around private green space should be urban and suburban focused where community open space is far more viable and where private green space is plain stupid.
Rae the PA I agree with you. I grew up in the south of Italy and the kind of houses we have there are big flats in big buildings (mainly historical buildings, or built the latest in the 30ies, and they have all big rooms, at least 2 bedrooms per flat). I live in the UK now and I suffer from the lack of space, flats and houses here are smaller than what I am used to and even though I don't own many things I always feel I don't have enough storage space. I would happily pay more for a bigger house/flat because for me it is essential! Also I would love to have a big garden for myself (in Italy we had garden shared with the whole building) and I would not care about having to clean or talke care of big spaces. Why do we have to live like caged chickens???
Rae the PA I think the main point is that you shouldn't buy a big house with a yard and everything if you wouldn't use it or didn't really need it. If you enjoy your space and land, that's great. But for someone who wouldn't actually need the space it would be just stupid and a waste to by more space than they could handle/need only because of the idea of "how adults should live".
My wife and I tried extremely hard to have an inexpensive wedding, and I feel like it helped us immensely in our first year while we were also finishing college.
I love this video!! I’m a hoarder and have personal debt...I’m realizing how much these two things go hand in hand. I’m trying to clean out my hoard and become debt-free too! Thank you for inspiring me to keep on financial track!
Yeah maybe that separation thing is a problem in America where you all seem a lot more friendly. I lived in London for 3 years and I can tell you that living on top of eachother like rats does not reduce any feelings of loneliness whatsoever, and it doesn't matter how close you live physically. I never felt isolated because I was surrounded by people all the time and my flat was somewhere where i could get away from other humans and decompress. I barely saw my housemates because we all work crazy long hours and just want to go to sleep, and I lived in flats with people above and below and either side of me and you could hear them rattling around in their flats in the morning and the evening but not once did i ever actually meet one of them in the hallway. I only knew their names because of the stack of letters in the main hall. In the UK knocking on someones door and introducing yourself is just not something you do. You certainly would not bring pie. The only place i've ever experienced a sense of community is in the countryside where people live miles away from eachother and actually make the effort to get to know their neighbours so they don't feel totally isolated.
gingerandpippin I agree we moved from San Diego California to north Carolina. We went from 2,000sqft. Home to a 5,000sqft in the countryside of north Carolina. We have made more friends than we ever did In San Diego. We even have a very helpful community here where everyone will help each other out if needed. Our home is big but we bought it becuase we have a big family and it's a historical home which we care for. In the long run San Diego was costing more to live in. We went from paying $4,000 dollars a month for rent to $1,500 for a mortgage. 🤷♀️ even buying groceries is a lot cheaper here. At the end of the day we save money and live in a wonderful community 🤷♀️.
There is always a golden middle in-between point - neither too cold, nor too hot, close-far, fast-slow, tight-loose, spicy-bland - with everything. London makes (in average) lots of money per square foot (lol, not necessary where you reside), hence the living is expensive there. American big houses are possible only because there is still a lot of space in this country - room for expansion. They also come with 3-4 hours of commuting to work and back every day. These are two extremes - far apart.
Luda K coming to work in London in the 80s was the best thing I have ever done. Brought 3 flats and the prices keep increasing by like 11% each year. I made more money from the 3 flats than working 40 hours a week. Should have done properly instead of finance
gingernadpippin I could not agree with you more! Nyc and DC are the same. You get your neighbors' pot stank and noise but you don't get to know anyone. Cities are lonely, noisy, and multiple unit dwellings in the states have roaches and bedbugs. It's pretty much hellish.
Truth on homes. When my husband and I bought our house, we had trouble finding a place that was big enough to grow into, 3 bedroom with space for an office, but without tons of extra space we would never use. We did find it, and we Airbnb out one of the extra bedrooms for now, but plan to convert that room into a kid's room once we have two kids. We use every room, and I can't imagine dealing with more space than we have.
Hey Chelsea! Just wanna say I absolutely adore your channel. It’s very very helpful for a young adult, recently graduated like me. Sending many thanks and greetings from Brazil. =)
I just want to point out that you can’t buy a bottled drink at Walgreens before going into the airport unless you drink it and dispose of it before going through security. Once you’re past security, you can buy a bottled drink for at least triple the price at the airport shops inside the terminal or on the plane. That’s part of why airport food is so expensive: security makes it so that it can be. But on the flip side of that, thank you thank you thank you for the video Erin did a few weeks ago on travel hacking. As both a frequent traveler and an excellent credit card user, her tips really helped me.
Lauren Conrad You're right about that. You can however take an empty water bottle, and the airport should have a water fountain to fill it on the other side of security. :) When I have flown, the bottle didn't even have to fit into my carry on by the airline's bag rules, so I didn't have to worry about using up my precious carry on volume.
A woman who worked in the airport also told me you can bring a water bottle that’s frozen. Idk how true that is because I never tried but there’s a possibility that works as well!
Gregory Everson I've done this and many times get a little glass. I've asked for the whole bottle because I am always thirsty and the plane is so dry. Nope, not allowed. Just keep asking every 10min 🙄 It is made even worse when there is an "extra" security check at the gate and the toss out my airport purchased water!
Absolutely right about the haggling. Often you just gotta ask and it’s up(salary) or down (price) by 20%. I couldn’t believe it until I tried it. It works!
I don’t agree about clothes at all. SOME bits of clothing can overlap for work and outside work, maybe you can wear a smart dress to a formal event, but it’ll be uncomfortable and look silly most of the time. Most people don’t work in Silicon Valley and can’t show up in jeans and a t shirt. Nor would you wear that to a wedding, for example. You wouldn’t want to wear smart, authoritative clothes out of work either because they’re too restricting and they’d wear out quickly. It’s just not that simple if you work in an office based environment.
Liusila Slacks can fuel a wardrobe and can be worn most anywhere (unlike yoga pants): work, church, concerts, parties, even weddings. Pair them with different blouses so you can dress them up or down. There are many nice blouses and tunics for variety and comfort. It's not a bad thing to have a wardrobe you can wear for two weeks. What I can't understand is why you pay more for a bra than for some nice blouses! Or why panties are so expensive!
Or if you work in scrubs like me, you obviously need a whole second wardrobe for work. I have 3. I have work wardrobe, life (usually dresses or t-shirts and skirts or leggings) and my workout/stay-at-home clothes.
Ginny Jolly and if you are larger than average in the bust area, you understand why you have to have expensive bras. Cheap bras dont cut it for anything larger than DD
At around 2:30 you're saying Millenials go out to eat a whole lot, but there's a rather new story on the perplexing issue that not only do Millenials go out to eat way less, they also buy fewer groceries. They were even asking questions like: do Millenials even eat food? And as a person working in the fast food industry I can say it's true from what I've seen. Millenials, or the younger generation (sub 25 years old) are just not wealthy enough to eat like the older generations..
it's always irritated me that no matter how poor the person is presented to be on tv everyone has a state of the art kitchen. I don't consider myself poor, I've never had a state of the art kitchen.
Ashley Bailey Nor do you need one. They’re passé, and a desperate attempt for social status just like a car with a half rent/mortgage payment every month.
Although I agree with your points, I also do think that most men should own a special suit. It could be one that they wear to work with different accessories if they have to dress up for work, but for most it is going to go untouched for 360 days a year, but is necessary.
Jake Wahout 4 suits and wear zero to work. A months worth of dress clothes don't get wasted at work either. Track pants and sneaks for this programmer. However sometimes I think of dressing up. Maybe I'll start a once a week plan
Louis Hodges Obviously it depends on the type of job you do. I'm goong into teaching, I won't wear suits neither. But a lawyer would wear a suit at least 5 days a week, same for most doctors if they don't work at hospitals, etc. :)
Gregory Everson But that can be the case woth any piece of clothing. Admittedly, suits are harder to fit it, but I don't not buy one because I might gain weight or muscle mass.
One thing that stands out when I watched this... you mention the things that drive the excessive clothes and drink being encourage, but don't mention at all what causes house sizes to be increasing. Many counties have been steadily increasing the minimum required house size for new construction, so the house values will be higher and they can collect more in property tax. In many areas it is impossible to build a house the size your grandparents had. And for alot of folks it is hard to fight against that trend because they have to live near their work. I love your videos. You always manage to touch on things I hadn't really thought about. Thanks!
I grow up at the place you have to haggling for everything you buy. Trust me, that’s feels really bad, also wasting a lot of time. You don’t even know if you get cheated or not. I really like how big chain store set the price and discount for everyone. But if you want to buy anything second hand, haggling is really useful. Second hand car, house, take over other person’s car lease, take over somebody’s gym membership list can go on…
I know. Every time I visit Egypt, Tunisia, Morocco, Israel - I'm never sure if I've just been cheated or not...haggling takes soo much time to do. And when a tourist visits, they often don't know what the 'real price' should be. Love stores with prices.
Don't agree with the clothes. You are mistaken. Our history (Look it up) has always been "Day dress and evening dress" in the 50's there was even a "house dress". In the early 1800's, women even had a "walking dress". We actually are more flexible with our clothes. Do your research lady.
Most history you refer to is not that old. Clothes are used to create a feeling that you are financially in a higher wealth class than you really are.The wealthier classes had the walking clothes. Most people had their daily wear and their Sunday best - worn on Sunday's to church and to important events or meetings. The evening wear is something also previously only the wealthier people had.. the last century also had the rise of advertising campaigns, where diamond rings were marketed as engagement rings,and DeBeers dictated how much the diamond cost based on number of months salary, room lamps were marketed as necessary when watching tv ( nothing scientific just the need to sell lamps). Clothes started being pushed as status symbols by department stores, I mean they had 'smoking jackets' , house dresses were the equivalent of an apron, protecting your clothes whilst doing housework, they were also pretty baggy to allow for pregnancy. Just because marketers want different categories of clothing doesn't mean we have to follow their lead in its entirety. Does every woman need to buy a new outfit every time they have another wedding to attend? Why not reuse a classic style and maybe change around the accessories? Keep I mind so many traditions are not that old - most of the wedding customs are relatively newer, less than 15 years old. It is the worst in the USA for sure- the cost is made greater with the expectation of the bridal party to fund a lot of it. If the bride and groom had to pay for the stuff worn by the groomsmen and bridesmaids then we will see more clothing hire and smaller wedding entourages. One kitchen tea or bridal shower used to enough.
I'm sorry but there is no perfect closet that equally works for every situation. I can't wear my suit dress to school and I can't wear my slacks to work. I get that the point is trying to reduce wasted clothes but it would've been more useful to say buy simple things that can be mixed and matched to make multiple outfits instead of buying things that can be used in every situation.
I've saved thousands of dollars since I quit drinking. It's really solid advice to quit drinking and quit going out to eat tbh I also was able to negotiate gym membership recently. Worked out great!
1. Stop buying alcohol when you go out 2. Stop living in a bigger home than you need 3. Stop the “treat yoself” weekend shopping habit and cramming your leisure time to the weekend 4. Stop having different wardrobe for different things. You don’t need different clothes for a day/night look 5. Stop wedding parties (Bachelor party, engagement party, etc) 6. Stop paying full price. Negotiate for more pay and cheaper price. 7. Stop overspending while on vacation
1.buying booze is ok, just not top shelf shit at bars or for home, if u making mixed drinks, cheap shit is ok, or if its beer, drink 2 good beers then drink cheap beer 2. i like to fart in more than 1 room 3. refer to #1 4. i ware the same clothes for work and home 2 days in a row, but i shower 5. i dont go, im 38, every1 i know is married or divorced 6. i probably aint buying that shit anyway 7. prostitutes dont negotiate, unless u got a small dick
This was such a great video. I especially liked the part about travel. She is 100% right about how we Americans get so little vacation that we feel like we have to make the most of them. I would like to add to this is you and your spouse work different schedules sometimes the one week of vacation a year may feel like the only time you have together and may result in wanting to way over spend.
Check out this video where Chelsea discusses little improvements you can make to your life without too much extra effort: th-cam.com/video/vDSV9ceXr-0/w-d-xo.html
For travel I like cruises. There are so many good deals. One type of cruise I like are "Repositioning" Cruises. These are cruises that are moving from one region of the world to another to begin a series cruises. An example would be an ship moving from Alaska at the end of summer to Hawaii. In April I am sailing from Panama to Lisbon Portugal. This is a 15 day cruise. I am going by myself at a cost of $314. Now if you count gratuities and port fees and taxes I will be paying a total of $600 apx. (Most of the time we are are sea and will be only stopping at 3 ports). All my food and entertainment will be covered on the ship. Is this ship the newest and biggest ship? No. But it is well regarded. Other cruises to consider are last minute cruise deals.
1. drinking fancy booze 1:25
2. getting more space than you need 3:24
3. dividing your weeks into "depressed weekdays" and "YOLO weekends" 5:33
4. having different wardrobes for different things 7:21
5. wedding parties 9:05
6. taking initial offers 10:20
7. overspending while traveling 11:37
zrr honestly I saw someone else do it on another vid and since I often have limited time I figured I'd contribute while I actually had time to watch an entire video lol
You are not the hero we deserve, but the hero we all need. +1
How long did you spend making this timeline of her video, weirdo? If you don't like listening to her talk, then don't click on her stuff.
Holly Chelmo
It's a service for others who want the list but don't want to slog through. I think it's a nice gesture. Thanks.
No good deed goes unpunished apparently. This is done often and has nothing to do with "not liking to listen to her talk". It's also handy for example when you come back and want to listen to a specific point she made.
1. Drinking fancy booze
2. Getting more space than you need
3. Dividng your week into "depressed weekdays" and "YOLO weekends"
4. Having different wardrobes for different things
5. Wedding parties
6. Taking initial offers.
7. Overspending while travelling
Pd; te amo, Chelsea.
omg thank you
Andrés Rubio thank you
Can you please do a video expanding on that idea of a minimalistic and multifunctional wardrobe? 😊
Andrés Rubio Thank you so much. 15 minutes is too long for a 'tips video', even shortened to 7.5 mins at 2x speed. I appreciate the cliffnotes so i don't have to watch the whole thing.
God bless you, this video was way too long for only 7 tips!
Please don't ask your viewers to harass minimum wage retail workers about price. Prices are set by corporate.
I thought that bit was super weird too.. I would feel so rude
I agree with her on the haggling thing but I think she kinda miscommunicated the idea. I wouldn't haggle with... like, a clerk at GAP or H&M. or a starbucks. and if I did it would be in the form of asking if there's a discount of any kind and not press the point.
But what you can haggle for example is, say... a new washing machine at your local appliances store. or a car from your local car dealership. Stuff that's not corporate.
also, your utilities provider. (internet, electricity etc). Every time I'm calling to disconnect a service or something...they throw a discounted plan at me to get me to stay with them. (porn websites do the same too actually).
So yeah those too can be discussed I suppose. or just jump from a service to a cheaper one and you'll have a discounted plan thrown at you :P
Do you know that Wal-Mart price matches by policy at their customer service desk?
@@sarahscott434 They made a very big deal about "we no longer do this" like three years ago. If your store is still, they shouldn't be.
@@sarahscott434 they do not do that anymore. You can download the savings catcher app instead. There where many scams with price matching.
As someone who is a factory operator, I feel the "solution" to the "too many clothes for different occasions" best applies for someone in an office job. When you work in a factory you expect the clothes you wear to get torn & stained. You're NOT gonna want to show up to the family Christmas dinner in blue jeans & t-shirt that are stained & torn unless you want to be judged for looking "like a slob." And you definitely don't want to wear something nice to work because again, it WILL get torn & stained!
I want to add a side note with taking initial offers. If someone makes something handmade and/or ethically, please don't compare their prices to a similar mass produced product in a big box stores like a Target or Walmart. Be respectful when bargaining for a lower price and don't tell someone what you think their product (and time to make said item) is worth :)
Arie R. Likewise with professional services. Do you really want a cut rate accountant? Negotiating a good deal on your mani might have little long term consequence, but if it’s a service where a long term relationship is beneficial, you want someone who knows their stuff and what they are worth.
Smuddpie Absolutely!
I mean yeah its often a fallacy to compare factory to hand made, but remember that the value of something is ENTIRELY defined by the buyers. If people keep saying g they don't wanna pay so much for your product that's kinda too bad.
Arie R. +
I don't know if you were thinking about the situation where a customer was overly demanding & intimidated a hobby knitter into making a blanket at the same price as Walmart. But your comment reminds me of exactly that! Like WTF you're demanding she make it out of alpaca. That's not necessary for survival! I don't fault anyone for going to Walmart or eat fast food because cost of living is so expensive, but you don't need to get a handmade blanket in fancy yarn
I was raised in one room/one kitchen apartment (30sq meters). I literally had no half a meter to call it my own, no space, no privacy. In the first ten years of my life I developed a habit to lock up myself in bathroom struggling for being alone. I never ever will understand the idea of 'living too far apart' or the idea of 'too big house'. For me big space to call my own is the rarest, most precious gift of life.
I have a really good tip for travelling: prepare a 'spending budget', say $500 for the entire trip and have it in the target country currency (say Japanese yen). Instead of thinking "It costs X yen or Y bucks", think "it uses up __% of my spending budget'. That way you will be able to nicely distribute your budget throughout the entire stay.
LuckyTondi +
I will always have two parts of budget. One for spending, another would be actual emergencies. Emergency would 60% of the portion. Restrict yourselves from using the money unless you really, really, REALLY have to.
People who travel without a predetermined budget are either rich or stupid.
Fuck it. What is the point in dropping dead with millions in the bank?
Brendon Parker The point isn't to drop dead with millions in the bank, but to be able to live comfortably without having to work as a WalMart greeter in your 80's because you failed to properly set aside enough in your youth. Life is short, but it's so much longer than you expect.
Two issues with the data:
- Younger generations spending more on nights out is probably due to the fact that they're young, not that they're in a particular generation.
- I spend a lot more on Saturdays than on Tuesdays because that's when I go grocery shopping.
...do you really think she's talking about when you do grocery shopping?
Groceries don’t really count, they’re essential not disposable income
My friends and I have a ritual called "Wednesday Friendsday". Every week. no matter what. We hang out at one of our homes, play games, or watch a movie. My friends typically bring their kids so that everybody can get in on the fun.
Nyanistic that’s so cute and a good idea!
Sounds amazing!!
That's great
I read that last line as ‘so everyone can get the flu’ 🙈 Been locked down for too long.
When I was getting married I told my bridesmaids, "the colors are Dark blue, light blue, and butter yellow, the dress needs to be tea-length. Pick something you'll wear again." Been a bridesmaid twice and hated both looks.
Cool. I do none of these. Can I stop being broke now?
Having different wardrobes for different things. Admit it.
I don't do different things. Home and work, no dress code.
Never goes to parties, never anything formal (weddings, funerals etc), never hikes, never does anything that requires stretchy AND comfortable clothing (like yoga or just hard chilling) never changes clothes when different weather? Or you wear the same thing to all those things, including bedtime and in all weathers? If so, I'd really like to know what item rocks all of those things :P
Cool, I don't do different things either, I lay completely still in my bed 24/7, literally not touching, watching, reading or doing anything all day. Doing different things are for losers.
I do exactly as she mentions in the video. I have a wardrobe that easily dresses up and down. I don't have dedicated formal occasions, I use my typical officewear. You can hike in the same jeans you wear daily. I don't wear anything to bed, so I don't have a wardrobe for that. I wear layers of clothes in cold weather. Is this really that complicated for you?
Everyone, please do not try to haggle at a normal store. They send out coupons for a reason. If it's a high cost item, sure, but if you're going somewhere for food or something, most of the time they literally can't lower prices for you without getting in trouble.
The Database Has has
To clarify: There's nothing wrong with asking nicely but you must accept a no with grace and understanding.
Haggling at a retail store sounds like this character: th-cam.com/video/99q5fxjgvg0/w-d-xo.html
koolit6 and then walk out and say this shot hole ain’t getting none of my money!?!!!!
I drink at home. With my cats
we would get along great, i have a fat 14lb furry kitty, my bottle of vodka costs 11$ for 1.75 liters
Drinking alone is like drinking with friends, just with less people. Found that quote somewhere recently, loved it.
Oh, I am going to make that my life’s motto!
I drink at home with my dog lmao
LondonCalling Best is to drink water alone with no pets. Super cheap.
"...you are really removed from your neighborhood, community and town...you're also really physically separated from the other people in your house."
I thought you were telling me what's bad about a large house, instead you're selling me a dream!
Green Barrel “the yard is a total bitch”
Nah man the yard is an escape. “Oh yeah I’ve got to chop up this wood and weed whack after I mow the lawn and just keep the kids inside I’m starting a fire” my yard is amazing.
The "sitting room" that no one is allowed to sit in got me dying. Sooo true.
Every true Southern kid has had a hand slapped for sitting on Grandma's 'couch that's not for sitting.'
My Aunt had a room that the vacuum lines were perfect and no foot prints on the carpet and we were not allowed in and had to head to the downstairs livingroom instead.
Most people live in cities and cities have a few common problems, one of them is area space availability.
Mom is that you?...
That was grandma's thing. Mom never did, neither did I.
At my wedding I had three bridesmaids and I told them to wear a little black dress and comfy shoes. They didn't have to buy anything new or spend any money because what I wanted them to wear they all had. They still "matched" without spending any extra money. This may be something to consider if you want a wedding party. We also didn't have separate bachelor/bachelorette parties. We all just went to dinner and hung out. We saved so much money and everyone could meet everyone before the big day.
I did this too, but I had 8 bridesmaids and asked them and parents/family to wear black or cream (some wore combo). The pictures turned out great!
But BLACK DRESS on a wedding???? It is sort of bad luck!
I did the same thing. Gorgeous pictures were the result because my girls loved their dresses and the dresses suited them perfectly. Everyone looked awesome!
The Real Joe Bobsickle not better than you I hope!😁 nah I’m just kidding.
blessing B Hard to say, actually 😂😂
pro tip: just don't have friends. no one will ask you to go to the bar. lmao
Aurora Enriquez it's been working for me!
No one to fill a wedding party with either.
Story of my life!
Aurora Enriquez this is so true😩😂😂😂
Works like a charm
Once upon a time a 9-5 job was 9-5. Now, we are expected to work 8.30-7 or longer (I usually work at least 12 hours a day in the office) due to pressure put on us by our management- generally those very baby boomers who worked 9-5. This is why we see the week as a weekly drag and yolo weekends, we literally don’t have time to do fun things during the week.
JennyWas13 - women didn’t work back then. When you allow women on the job market, that’s 50% of the population adding to the competition for jobs. Feminists, this is what you asked for so this is what you get :)
@@astodone9022 we literally wanted equal rights for everyone, not to have to slave away at a job that refuses to pay anything more than minimum because of the CEO's and corporate people decide they don't want to "lose" money by paying us a livable wage. Why don't you get married and be the sole provider? See how long your family can survive on minimum wage. Women in this time period have to work or we don't survive. Before yes it was a privilege but not anymore. Don't complain about feminism when it's there to benefit you too.
I would get 9-5 contracted so they cant change it and force you to work more hours. plus legally they need to give you a 2 day notice to working over hours. they cant fire you for refusing or you can sue.
@@darkshadowsx5949 that sounds great in theory but good luck landing another job once it becomes public (which it will very quick) that you sued your last employer.
I feel the standard 9-5 is too long. I would rather have 3-3.5 12h day weeks so that I can get 1-2 workdays off for appointments
My parents paid about $17,000 for our brand new split level house (3 bedrooms, 1 & a half bathrooms) in NJ in 1959. That house just sold for around $250,000 in the last 5 years. That's just nuts! The prices I paid for things as I began adulting now cost 10 times as much, from hamburger and bananas to cars and houses. Has my income grown that much?? Not on your life!!
A $250,000 house in NJ? That's a good deal!
That's called inflation. However prices of housing grows significantly faster than other prices, so yeah.
I live in So Cal and bought my house almost 20 years ago for $165K. Seems like a lot but my mortgage, insurance and property taxes are less than what I could rent my house for. Plus my house is worth $700k now. My 20 something year old sons can’t afford to live in our neighborhood. Ridiculous.
Exactly, how could it have come so far?
I've got 1 & 3 solved: I don't drink expensive booze and I don't divide my week into depressed weekdays and YOLO weekends - I just stay depressed all week and drink Trader Joe's $3 buck Chuck wine. Boom - problem solved
lol, ur like me, but i have a cat and drink vodka, the cheap shit 11$ for 1.75 liters, if you getting wasted only the 1st drink tastes bad
Robert Walter you are the MVP
As a Gen Xer, I think younger generations go out and eat and drink more just because they're younger. When I was their age, I did the same thing, we both had good jobs and no kids, so we had lots of disposable income. We lived in Honolulu at the time, so we were constantly going downtown to eat and drink and gawk at the hookers and Japanese businessmen, lol. It was nothing to hop a flight to an outer island for a weekend to catch a concert or see the volcano, etc. THEN WE HAD A KID!!!! We actually still went out because we had the best baby ever, he just never cried, so we took him everywhere. He took his first steps in favorite restaurant/bar! As we got older and had another kid, who was more of a wild child, not a crier, just really curious and into everything, constantly, lol, we stayed home more, it was easier. So I don't think its really a generational thing, just more of a stage of life thing. You go out more when you're younger and become more homebodies when your a little older.
Hukum bhai man
Yeah, the statistics are a bit dodgy there.
I know this is really late, but what is it like to hop to the next island for the weekend? Hawaiian locals are living the life haha
Drinking in general is kind of a waste.
Stephanie Darling honestly disagree, drinking casually with friends can be a great bonding experience and really fun. Limiting drinks to at home or to only one at the bar seems a lot more reasonable for those who like drinking.
Not if you want to stop the shaking
you can bond with friends w/o any alcohol whatsoever.
Yeah, it's great until you have a hangover. It's nicer to be around friends soberly - but this is all personal preference lol. To each their own, drink up! :)
Also, I've rarely seen people limit drinks, that's a great concept in theory that very few can pull off.
While I respect that smaller spaces are often a good idea, as someone who has had food poisoning at the same time as their spouse, I will never have only 1 bathroom ever again.
iheartwalle ikr my motto in life is 2+ people is 2 bathrooms. you usually tend to get sick enmass. 😣
That is typical American. To spend large sum money is just for a very rare chance to use it. I marry an American, my husband spent 10000 dollar to install a wall-in bathtub for his mother to visit for a week, she used it totally twice, and we spend rest of five years to pay for it. My idea of pushing her wheelchair into shower and help her with shower is not acceptable.
I absolutely agree. Never buy a house, condo or whatever without at least 1.5 bathrooms! I could deal with one bedroom and a sofa bed in the living room, but make sure there's a guest bathroom, preferably with a shower if you can afford that, too. Also, don't waste so much money on booze, at home or out. Saving that money might help you with the extra bathroom.
She should've mentioned going out for coffee. Starbucks and such places aren't cheap. Staying in hostels in Europe can save you lots of money when you travel there. If you're with a group of 4 people you can rent the room for yourselves. It's pretty awesome! You can usually cook in the kitchen some too.
Justin Davis I don’t drink coffee so never went to Starbucks. I recently transferred to the Starbucks in the office building where I work. Holy Cow. The smallest plain coffee is over $2 including tax!! Now I know that if I buy a 20oz bottled soda is also about $2. But all of the higher end drinks are in the $5 range! 😳
Me: "Hey guys, wanna grab a drink after work? Y'all could come over to my apartment and enjoy a wide range of beers and literally any cocktail you could imagine, for roughly $0.75 per drink, enjoy one another's company in a comfortable setting where we can listen to whatever music or shows we want, and relax on comfy furniture. Or we could go out to a nearby stinky, smelly bar and pay $7.50 per drink while getting sandwiched between two crowds of oblivious college students. Which would you do?"
Literally everyone: "Let's go to the bars!"
Jeremy Kahn In my 20s, I preferred bars. In my 30’s now, I prefer the more intimate choices of my place or theirs.
I don't understand this. Luckily, my friends seem to be reclusive enough to want to stay in for drinks. Plus, don't have to worry about getting a cab or where/when you're going to crash or have to wake up.
No cocktail for less than $16 for where I live.. it practically cost more than the meal
THANK YOU!!!
Nailed it. I have a nice apartment, a dining room table, food, booze, board games.. and my friends would rather spend $20 on a night out while complaining about being poor. 😑
My dad always criticized me for playing video games, but he never gave up his childhood equivalent: TV. Now I'm a grown ass man who criticizes new generation addiction to social media, but I still play my videogames. Every generation is different
I can understand everything being said. I can sympathise with it. Watching this and reading the comments, I am so glad my mother raised me to be a thinking person who will not be 'made' to do anything or 'has' to do something because of media or peer influences. The pull of peer pressure is crazy, but there's one easy way to deal with it - just don't forget you are a person with a brain who can make decisions for themselves.
I have a 2400 square foot home and I love it. We all have our own rooms and we all use the family and living rooms. It's just what makes you happy. Coming home to a nice size house makes me feel comfortable and relaxed.
"There's nothing adult about being depressed all week and then going nuts on the weekend" what do you mean that's adult as hell
These tips imply that I have the money to waste in the first place haha.
Haha.
Ha.
:(
I love this comment was so underrated to me minimalist videos and these "hacks" is something poor ppl been doing forever
I've got the feeling that the video woman never had to struggle for anything in her entire life. It's ridiculous that a woman who has obviously never experienced poverty is telling me how to save money. I know how to save money, I've had to tighten my belt so many times I ran out of belt, we with less survive by spending a minimum on necessities and nothing on luxuries. That's how WE survive, the video woman survives on her expense account. Not the same and I kind of resent someone who has never been poor telling me how to save money. What a load of crap. I could write a book on how to save money, the video woman couldn't write a short list.
You will be surprised. Once you get married and have a two income household. This kind of stuff happens even to lowerish middle class.
When I left the poverty level, my bad habits just got more expensive
Lol RIGHT. I have been skipping this video forever cause I knew it wouldn't apply to me hahahaa
Check out “I’ll teach you to be rich” by rami sethi
I agree with all of this, but just wanted to discuss about haggling. We should definitely all do it when appropriate, but as someone who has worked in a lot of "chain" retail stores, please please please don't haggle! It's fine to ask if we have any sales going on, where the clearance section is, or if there's a student discount or something, but saying things like "can you give this to me for cheaper? Can you take off the tax?" etc. is really uncomfortable for the employees. Unless you're a manager, we don't have the authority to issue discounts or lower the prices of things, and arguing with the employee or being persistent is so uncomfortable! I've had countless people scream at me when I tell them I'm not allowed to discount something. A lot of people think that if they just keep asking over and over that the employee will give in, but please consider that if they do give in then you probably just got them a write-up or in serious trouble with their boss/head office. So yes, haggling can be a great way to save money, but please be aware that most employees at regular retail stores honestly aren't able to give discounts without getting in trouble, or potentially fired. I've had so many really persistent customers who get so worked up over the price that it sends me into a panic and I give in just so they'll leave, and always end up getting an e-mail from my boss saying head-office wasn't happy. Saving $5 is not worth getting someone fired so please don't haggle in retail chain stores!
Laura Springall you are spot on. Management gets alerted on any discount and it often gets employees in trouble without the customer ever knowing what kind of damage they are doing. MSRP is often set by the product manufacturer or distributor so any discount given can cut into store earnings which can directly cut into payroll for staff and how many hours employees can work. It is this case in many mom and pop retail stores and very much in large corporations with part time employees.
I think Laura is "over-thinking" this. Haggling or asking for a better price does not mean screaming, arguing and getting people fired. This behavior is never acceptable.
Big house=more to clean. No thanks.
This is me🤷🏾♀️
I would never own a big house without being able to afford housecleaners. Cleaning a big house is a huge time sucking blackhole.
Oreo Emesis: So you are working to be to afford to pay someone to clean their house, just quit your job and clean your own house.
Jane Doe No. The point is I would have to make so much money that paying someone to clean is nothing. It is such a small
percentage of my take home pay. If I make 350k a year, I am definitely not quitting to sit at home and clean my house lol
You can pay someone to clean it once per month if your wife won't do it.
Also there is nothing wrong if you personally are happier living in a cardboard box or trashcan. Just don't make it a virtue.
Yeah, we’ve lived in a two bedroom apartment that costs as much as a big house with four rooms and we could only afford to do so with another couple who were friends of ours. Somehow I doubt the size of homes affects the price more than the housing crash of 2008
I work in construction; specifically, the company I work for builds high end homes. So I totally understand and agree that new houses are too big; some of the houses we've built are just plain enormous and unnecessary (except the bathroom bit that you had in there; you need at least 1.5 bathrooms imo). BUT, as someone who has lived in the countryside for my entire life, I disagree with the idea that yards and property are bad because they separate you from your community. I like having a good amount of property separating my home from others-- it gives me privacy, my animals room to explore and play, and is just plain beautiful. Living in an apartment complex or in those new sardine-packed suburban homes sounds miserable. I don't want much interaction at all with the people who live around me. Maybe if my mail accidentally gets delivered to them, but otherwise, I prefer that we leave one another alone. Maybe I'm alone in that though, I don't know.
Cheyenne Hawes I’m a perspective urban planner who is all about high density (it’s better resource management and when designed properly it offers better outcomes for individuals, communities and productivity) but I do understand a need to be alone and to have privacy but I think that through good design you can achieve this. A friend of my grandfather was an architect who’s passion project was building his home into a residential complex and central to his design ethos was the idea that there was an appropriate ratio of shared and private spaces and so in the communal environment he created you could be totally alone when ever you needed to be. Humans are a social animal and we do absolutely need community but sometimes our environment conditions us to prefer isolation even when it definitely does make us less happy, more stressed and even less physically healthy but as they found in the communes in the 60s you definitely can have too much of a good thing. I’m from the country too and most of my life I’ve had plenty of space around me. But as a child I moved to a village which was much more community oriented and into a smaller house that was open plan except for the bedrooms and bathrooms. It took some serious adjustment (including finding solitary space) but honestly it was the happiest time of my life and even though everyone was poor there they were a lot happier than anyone else I’ve ever lived around. One of my goals as an adult is to recreate around me what I had as a child because that experience revealed to me how lonely I had been up until that point when I wasn’t in school and I’ve felt lonely ever since we left.
@Allie: I really agree with this. It's up to the community to keep a comfortable mix of shared and private spaces, and that can be difficult when us anti-social folk get thrown into the picture. It comes down to decent people, good design, sensible landscaping, and ensuring everything has a purpose. Space for the sake of space is... eh.
Average Trailer Trash yes! Open space provision is too often measured by the land area of certain kinds of open space (ie an elusive perfect ratio of sports grounds and parks to population size) when in reality it’s about creating high quality environments that the community feels ownership over with design that incorporates the needs and aspirations of the people it serves, including personal space requirements.
@Allie: Absolutely. The way that space is created and used matters so much more than the raw numbers. If it's not adding value to the community at an individual level, it's probably not doing its job. (Though I imagine such thoughtful design would be difficult to accomplish in more highly-regulated, highly-populated areas.)
@@allisondoak9425 In general, unless a person had an abusive childhood, they think their childhood was better than life now.
1. Drinking fancy booze 1:24
2. Getting more space than you need 3:24
3. Dividing your week into "depressed weekdays" and "YOLO weekends" 5:35
4. Having different wardrobes for different things 7:21
5. Wedding parties 9:05
6. Taking initial offers 10:20
7. Overspending while traveling 11:38
BonHOYage thanks
In summary: Avoid having fun in order in order to expand the pile of money, you'll never use.
this clothes part could be solved with if a dresscode at workplaces would not be neccesarry anymore. I mean, it makes sense that you HAVE to whear jeans or other cototn-fibres in a chem-lab because of safty-reasons. but there is no good reason for having to buy blouses, black skirts, suits and ties, if you are merely in an office-job and where you hardly ever encounter clients.
Suits and ties make no sense in a climate like Florida or other parts of the southern US.
I do believe that you need different wardrobes for different aspects of your life. Something you’d wear to workout isn’t something that you should wear to a job interview. Too many people dress too casually for events in which they need more professionally/dressy. you don’t need to buy in excess the different wardrobe pieces for different areas of your life but it is important to have that versatility.
nikkicole54321 I grew up with different wardrobes for different parts of life. Still do it for the most part.
You only need 4 type of wardrobe, formal, unformal, gym and weather. You mix formal and unformal depending on the situation, sleep in your (old) gym, and weather is pretty self explanatory.
Grandsome You missed hiking/skiing/out doorsy clothes. It’s a must here.
MissCaraMint where do you live
nikkicole54321 ...and, it needn’t be a lot! One slightly more dressy , “good” jeans, office attire that can double as travel/dates/church/gtherings, then the downgraded stuff, that becomes my bang around the house clothes, pj’s, gardening clothes, pump out the wet basement clothes, etc. Eg. An office pants outfit gets downgraded to “play or housework, gardening” clothing, even hiking pants...see?
The American house trap- I will never understand it (and I'm an American). I like things to be clean, and I hate clutter. The thought of just having empty rooms lurking all around me, filled with things to clean, sounds like a nightmare.
Here in the UK where land is increasingly scarce, prices are still increasing yet new houses are getting smaller and smaller as are the gardens, that's if anyone can save enough for an initial deposit and/or then source a loan. And as for renting privately, which in previous decades was the UK norm, tbh with major house shortage not known since the war, it's fast becoming an impossibility.
Abroad on a Budget Me too!! As an American who was thankfully raised in Germany, I can't stand the idea of having a huge house to have to clean and pay for stuff to fill up the house!! I got a tiny home as soon as I turned 18 😊
Abroad on a Budget Agreed!
The house trap more or less can sometimes have to do with laws.
My family is not a majority size, but while we did well and happy in a smallish 3bdrm. The laws in the areas requires a 5bdrm.
I am the same way.... The less the better. I am happier with a well planned 1300 square foot space rather than a silly 3500 sf McMansion you find everywhere.
This was a great video. I was "lucky" enough to grow up without ever having to think about money--well into my mid 20's, actually. I'm 33 now and trying to unlearn a lifetime of bad money habits--or LEARN any financial habits at all--is difficult and embarrassing. I watch videos like this when my boyfriend isn't home, and I've been implementing the ideas in our life. It helps that he's naturally a saver. Thank you.
Hi Chelsea, can I add two things to your list of adult money wasters. One thing is luxury shower gels and body washes. Here in England top 'celebrity/designer' brands can cost around £40, expensive brands (such as Molton Brown) cost around £20 but some very good products (Palmolive/Dove) can often be bought for 99p-£2. There are also som very good eco-friendly products out there such as Naked for just £3-4.
The second thing is houseplants. I grew up with a mother that loves plants and was taught to look after a plant for many years. Nowadays (makes me sound old!) too many people treat plants as disposable and this has been fuelled by the supermarkets selling cheap houseplants that flower once then fade away. Orchids can last for many years and if cared for well will flower beautifully year after year -thrift with love. X
As a mexican, most people I know have an addiction to cleaning. We clean our entire homes every day. So the way we figure out if a house is too big, is to think about how much time it would take us to clean it. If it takes +4 hrs, then it's waaay more than you need....or that you can handle.
Diana Madrigal exactly why I got a tiny home!! I don't have the time to clean a big house, nor the money to fill up one with 'stuff'
I'm Portuguese and we do the same thing. I thought this was a common sense. :P
Catarina not really! Because northern countries have such extreme temperatures, they keep their windows shut so the air con or heating doesn't escape. Some homes also have "mud rooms" where you leave your dirty shoes and rain coats etc. This keeps their homes cleaner for longer. Plus cleaning services are pretty pricey. I know it's not a norm but at least most americans I know, deep clean their homes once every week or every other week. In contrast our cleaning lady (when we have one) comes every day.if not we do it ourselves and it's a pain lol.
if you spend more than 15mins a day cleaning the house that is to much
That is such a bullshit generalization about Mexicans.
Glad it works for you though.
If it takes the muchacha more than four hours...
Of COURSE people spend a lot more money on Saturday than Tuesday. It's when people have TIME.
It would be really alarming if that wasn't the case.
The point isn't on things like normal spending, it's on excessive items or experiences that you're either overpaying for or simply don't need.
@@itmovesitchats She didn't say that.
This whole video almost feel like a social experiment into how far she can stretch correlation without providing sound causation, and instead injecting whatever she herself doesn't like or feels she sorely needs to justify.
Hey my wife spends plenty of money on Tuesday..
At work
Thanks amazon!
like,share and subscribe ...... sounds like something my husband would say 😂😂😂😂
@@TheAngWel I don't mind it too.much. we both work and its generally inexpensive stuff. But if we are I. The age of equality, why am I the one cutting up all the dang boxes!?
Joke’s on you, I’m depressed all week and don’t have friends close by so I stay in most weekends too :):):)
You two should be friends then!
Check out a glass-blowing studio in your neighborhood. It's a great way to find quirky friends in a new (or old but not social yet) place. Plus, it's fascinating.
Amy G if you’re in Cleveland we can hangout lol at the gym
chinedu ogboh lol I do spend most of my time at my gym but I’m in Atlanta, womp womp
Amy G you are awesome 😎
"most customer service reps are empowered to work with you on price"
Excuse me? I've done customer service for years in various different fields and I've not once ever been able to haggle or known anyone that has.
Yeah... I'm pretty sure that in most stores the price is fixed. Now flea markets and garage sales, on the other hand...
In many industries, true. I've worked in fast food, some retail places, and as a taxi dispatcher - those rates are non-negotiable. However if there's one thing that I have learned about the hospitality industry after 4 years of working in a hotel brand call center is never take the first rate offered. The agent has to offer you their basic rate first, even if they know you'd probably qualify for a better rate - such as knowing you're a member of the loyalty program - they can't even offer you the member's rate if there is one until you object to the basic rate. If you ask, they're willing to look for better rates for you. They won't always be able to find one, sometimes that basic rate really is the best rate available, particularly if it's last minute or booking for a particularly busy period, but you won't know that if you don't ask. It's not really haggling, it's just knowing how the system works.
Thank you!
I think there's a language barrier here. When I hear "customer service rep" I don't think retail, I think sales. People paid on commission. New cars, insurance, home improvements, etc.
Prices are not malleable. You don't go into the grocery store and expect to pay less than shelf price for a gallon of milk.
Your wage upon getting a new job, buying a car, buying a house, buying certain appliances or furniture depending on the store, are.
She didn't say everything is malleable, she said "There are more than you're taking advantage of."
Tim Kramar You don't seriously believe she meant to haggle at the grocery store ? For real ?
@Morahman7vnNo2 well yes that is true, but I see nothing wrong with that. Please note**** Most items that show "suggested retail " price is a joke. Most people would never pay that price....it's just a reference point for merchants to use to show customers what they think the item might sell for .... The items are usually "on sale" most of the time - one way or another. So asking for a discount - I have done it on slightly damaged items and saved - is OK. Arguing is NOT ok.
@Morahman7vnNo2 True... ON THE OTHER HAND ... MANY do not challenge prices enough. Both can be true.
Could you please do a video on receipts? My mom has always been a receipt hoarder, and I’ve seen those scanners, but I’m not really sure how to manage receipts and what to do with them. Good video!
Daniel Stergios +++
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This this this!
"Most customer service reps are empowered to work with you on price." I'm going to have to disagree with that. I'm sure that's true in some sectors, but lil ol' me on the salesfloor at Walmart can't give you a discount on this TV because you have an expired coupon for it. I know that's likely not what was meant by the video, but there's already a large number of people who think that customer service workers, even those that are just on minimum wage instead of on commission, actually have the power to lower the price of an item in the store, when in actuality we would get in so much trouble if we did.
Yes, please don't do this to basic retail employees, and if you're told a price is non-negotiable, please take that at face value. People used to shopping in places that do negotiate get so angry and really just make us lowly associates want cry. The associates at grocery stores, clothing stores, and in the food industry have very little, if any, power and are regularly abused by people who don't realize this.
Thank goodness I'm not that kind of a "Grown-up". I'm almost 30 and don't even own a credit card because it's such a slippery slope having that option of buying almost anything at anytime, even if you are strict with spending. Also our wedding cost around 150€ which included both rings and coffee/cake to us and our friends who witnessed our union. It was beautiful and I wouldn't have it any other way :)
My wedding was also awesome and extremely cheap. The price of the licence, basically. But still going strong almost 20 years later and it was fun and stress-free too.
My wedding was inexpensive in comparison of some crazy expensive ones: we paid for the license, for the wedding officer (it was expensive because we needed a bilingual one), we choose a tiny space of the public beach (that is free), someone borrow us some decorations (they brought them for their wedding) then we went to a fancy restaurant (just our families, my husband and I).
The wedding dress was made by a friend who made all my special occasions dresses in my born country, Colombia (my parents brought me it, of course)
That's fine as long as you're still building credit. I have one card w a $15k limit available to me but I never get anywhere near maxing out a CC and I pay them off every month. It's about restraint and responsibility.
I read through some of the comments and I actually need to ask a question. Has anyone stopped to wonder if maybe millennials and 21 to 26 year olds go out to drink more often because they're younger and generally have less responsibilities? What would we find if we inquired the baby boomers about their habits when they were 21 to 26 years old?
filipequintas exactly!
TBH, I thinks it’s also that a lot of media is telling people that they can’t get the “real college” or “real adult” experience unless they go out and party. And tbh, I think it’s the presence of convenience. We have more access to bars and alcohol than we did twenty years ago.
That occurred to me as well. Now days we get to retire when we are too frail to enjoy it.
No, they go out drinking because drinking at home with parents is uncool.
The fact you think 21 and 26 year olds have less responsibilities than baby boomers did or generation Y for that matter is hilarious.
You can still have bridesmaids and bridal parties on a budget. Just have your bridesmaids wear whatever dress they have (you can even check out everyone's closets and see if everyone happens to have a similar color dress and go with that). As for a bridal party just have everyone over for a pot luck, maybe play a silly bridal party game, and then just chill and play board games/video games for the rest of the evening (or whatever you enjoy doing with your friends). Being frugal isn't about giving things up, it is about doing the things you want to do in a creative budget friendly way.
or tell them to all go buy the same cheap dress at like kohls or something, i dont know what girls clothes cost, if want to spend 10K on wedding, try spend 5k, and invest the rest, the wedding memories will fade, but the investment will grow, that 5K in a decent place over the life of a marriage is so much more than a few more flowers on a table
Wow, I really love being away from my neighbors... I've got an acre of woods, and I call my backyard my sanity.
Excactly . Nowdays I would pay more to get away from crowds and over populationed area
living in huge houses is also a reason for people to buy more stuff to fill them. think about seasonal decoration, additional furniture that isn't necessary etc.
Mina Hellfire Im that person that'd do the most even in a small space. Although to me, seasonal decorations are more along the lines of putting up thick curtains in the fall/winter and using thicker blankets on my bed
I never understood the Perfect American House concept. I'm European, grew up in a family of five, shared room with my older sister, the entire family shared bathroom, like most people in Europe. Then I watch American tv and ...all the kids have their own bathrooms? Everyone has a separate walk-in closet??? How?? Why?? Is it trully necessary?
For most American families, there is a bathroom for the parents, one near the part of the house the kid’s bedrooms are at, and one near the public space (kitchen/living room) of the house. I agree, American’s aren’t great at utilizing spaces very efficiently, but even in more compact houses occupied by larger families (thinking of a family of ten here), having more bathrooms is useful for having company and saving time from day to day.
reason we have like 3 bathrooms is cuz of dad, no1 wants to walk in after dad took a shit
It's a fairly recent phenomenon, while I'm not a young whipper snapper I'm not that old either and almost everyone I know grew up sharing bedrooms and having one bathroom in the house.
It completely depends on the finances of the family. Lower income families tend to share rooms, middle income is a mix, and higher income has extra space. Outdoor space is another issue and can stem from laws in that area. For instance, my sister put a house on an acre of land between my mom's and grandpa's acres. Current laws say she needed 2 acres of land to put a house there but was able to do it through a loophole.
As I grew up, there were two bedrooms -one for three kids and one for parents -absolutely one bathroom for all. When we moved (I was 13), there were 3 or 4 bedrooms, depending on how they were regarded and used. Upstairs was a finished attic, and because my older sister got her own room and each parent got their two rooms, my little sister and I had the upstairs bedroom and ante-room, a finished attic room.
There was still one bathroom for five people
I totally agree with the wedding advice. Weddings now have reached the obscene price.
True! A girl did her wedding for 5,000. Another one I don't know the price. But, it was about 30 people in this small restaurant. Best food ever! They spent a high price per plate, but since it she cut out so much on other expenses. It was still cheap for her.
We took 9 of our dearest friends out to a lovely restaurant ... after a tiny ceremony .... then we all went home for some cake and wine, and coffee. Then we took the money we saved and bought a lovely piece of land. We now have a sweet and MODEST home... with NO Mortgage.
My friend is getting married in a few weeks. She got pressured into having a big wedding complete with bridal shower and bachelorette party. I'm unemployed and spending hundreds of dollars since I'm a bridesmaid. I didn't even go to the bridal shower. She and her fiance are going into debt over it and their stress levels are at an all-time high. She regrets doing all of it and just wants to elope at this point. The sad thing is, we all saw this coming. Societal/family pressure is awful
@@VxNihili that's awful. She and her fiance should've assessed what was important to them and just told their family they can pay for it if they want a big event
@@MissedBandwagon That is a sad group of friends - totally the wrong mindset. I'm sorry they think like that. Time to get some more people who think about what people can afford and/or want. It's not about the guests - it's supposed to be about the couple.
You guys should totally make a video on buying a new car.
Jasel Ortiz here’s the video... DON’T
Lol everyone knows that brand new cars depreciate as soon as you drive off of the lot but a video on more details of the experience and how to get a great deal would be helpful. I'm not in the market for a new car at all. I just think it's a good video topic lol
You are totally right!
Check out Dave Ramsey’s videos. He goes over car buying.
Check out Chrisfix. He’s an expert on cars
Tfw someone mentions dream home and all you can think of is a clean, well-organized bedroom.
I can't agree with you that bigger homes make you unhappy or aren't used. I grew up in a 4 bedroom house with a pool and garden, where I grew my own vegetables as a child. 2 bathrooms for 5 people. It was bliss. As an adult I have been crammed into tiny spaces in NYC and DC and I have been miserable. Being "in the community" equals exposure to heavy perfume, pot smells, smoke smells, noise/sirens, and roach infestations, all of which I have battled. THAT is misery. I want to hear the rain, not the sound of drunk teenagers in front of my apartment complex late at night. I want to go for a walk without seeing tons of construction crews in the park, like here in DC. Give me a large house in the country any day of the week over this. I'll get a greenhouse, go camping, get a canoe, some dogs, hike in the forest, etc. Give me my OWN washer and dryer for my childrens' cloth diapers. Give me that any day over a tiny apartment in the city, roaches, bedbugs, creaky thin apartment walls, etc.
Chooselove 4all .... I felt this on a deeper level. I totally agree with you !
PREACH! Having grown up in the military, I've lived in everything from large homes to an RV with my family. The bigger the house and yard with lots of nature to explore, the way more fun it was! I love how this gal who lives in the city thinks she can tell us that living further out with some peace and quiet makes us more "unhappy". Yikes.
ArgentumHorse I couldn't agree with you more!
4 bedrooms obviously makes sense for 5 people, but there are loads of couples who irresponsibly live in houses with empty rooms for no reason. In my opinion . Also big houses don’t mean no construction crews or noisy neighbours . Obv
adygirl I lived in big houses for the first 18 years of life and never heard any construction crews and we were in suburbia. Also, never heard my neighbors because we were in a detached house in decent neighborhoods, not places where idiots play boomboxes on the street. I moved to Chicago and then nyc, and that was when I started hearing noise everywhere, garbage trucks at 6 am waking me up, loud footsteps over my head at 3 am. The thing is, apartments don't have bathrooms that aren't claustrophobically small, and they don't have kitchens with any counter space. I am health-conscious and make everything from scratch, not processed food. It's hard to cook in apartments and I have broken so many dishes because of lack of space. If it takes living in a house to get a reasonable sized kitchen and bathroom, I would choose that if I could. But I'm not sure if couples buy larger homes than they need because the developers make more money off them. In most places it is difficult tot find a starter home with only 2-3 bedrooms. If you worked in financial services you would know this trend is there because developers want more profit, and there are no regulations forcing them to make tinier, more affordable, and more environmental houses. If my choice were between a cramped apartment and a house that was too big with nothing in between, I would take the larger house. You can always do Airbnb if it's too much space. But it's preferable to noisy, crowded apartments with microkitchens and bathrooms any day.
Don't be shamed into acting on other's opinions of how you should live. This applies to both sides of the coin. If you want extravagance, enjoy it. If you want to practice frugality, do it. If you need a bigger home/yard to fit your needs, buy it. If you don't want the extra space, don't buy it.
Do you want/need a specific wardrobe? Dress for the things that are important to you. Are you better off one way or another, no. If you aren't happy with your choices or those choices limit you, that's when you need to reevaluate.
Desirae Baker +
I agree 100%!!!👍
She's not shaming people into how they should live. She is giving honest opinions on what things are not worth spending money on.
She is just saying you should evaluate if you are spending that money because you actually want and valuate that or because you think it's what society expects of you. Don't spend just because "it's what adults do", actually think and decide about your spending.
I agree with you, but with the caveat that you should do what you want to do, provided that you can afford to do so. Don't live life extravagantly if you are living paycheck to paycheck, etc.
I disagree about what you say is a correlation between houses being further apart and depression. The farther I moved away from the city the happier I became. Socialization and being nerighboorly is fine but it gives me anxiety to see how close to each other and cookie cutter some condos and houses are
I would love to live out of nowhere but most people live far away from everything and then commute to work. Now, having to leave the house at 7 a.m. and getting back home at 8 p.m. WOULD depress the hell out of me. I'd want to live out of nowhere and be self-sufficient/make an income without travelling for ages. Sadly, that is not always realistic.
They've done studies on this... generally the further you live away from your work/the longer your commute/travel times, the lower your happiness. Of course, you might be an exception to the general rule :) But most people would like to be able to walk to work, the shops, their friends houses etc.
"cookie cutter" isn't a problem to me because everyone can make their space their own. However the most unhappy and miserable home I ever had was owning a house as a single woman. If that so called "desirable" neighborhood was a sample of the American family, then we have problems. My apartment is quieter. And safer. I seemed to be some strange anomaly because I was a female living alone.
yes! we’re in a suburb and i feel way too close to my neighbors. we’re looking to buy a little bit out of town so i don’t have to see/hear everything my neighbors are doing and have a little bit of land. not to mention the suburbs have about three types of houses they just rotate throughout a neighborhood with no regard to light or anything while building. just slapped together. bleh
Amanda F yes! It makes me anxious seeing those places lol. Humans did not evolve that way lol
...yeah, I’m gonna have to disagree with you on haggling. At my store giving out too many discounts for no reason can get you fired. And if the salesperson is on commission those discounts can cut into their paycheck. TBH when a customer starts trying to haggle with me I just plain walk away from them; they can be someone else’s headache.
Adam Justin van Breen exactly! They can’t haggle at Walmart!
Wow...that's incredibly rude. Can't imagine how you haven't been fired.
Honestly I hate it when clients try to haggle too much. More often than not they try to haggle to the material cost of the product. It’s like they don’t appreciate the amount of human effort going into the product.
ive heard so many conflicting reports on Millennials and drinking....lots of studies are saying millenials are drinking less booze overall, and tend to favor drinking at home vs. out.... the exact opposite of what this video says. Mhm...
I think it doesn't help that the range for Millennial is not very consistently or narrowly defined. I've seen suggestions that birth year 1981 is the start of the Millennial range (which puts me in it, but only just) and that people coming of age right now are Millennials. That's a range that's coming on 2 decades, and a lot of stuff happened in that time frame to make people behave differently. Some differences I can think of right away:
Older Millennials
* Teen years in the optimistic, prosperous post-Cold-War time.
* First computer interaction was probably a version of Apple ][ in school with monochrome CRT.
* You should bring a quarter with you in case you need to call home. Two quarters if you're feeling kind of paranoid. 35 cents later on!
* Long distance charges were a real thing, and would reduce your interaction with anybody who was very far away to probably just holidays and mass media.
Young'uns
* 9/11 is a historical fact of life, and we've always had this background haze of handling semi-domestic terrorism kind of poorly.
* The internet is basically always available. Somebody has a smartphone everywhere. It's really rare (and scary) for there to be a situation where a group of people is completely isolated from the world.
* Mom, can I have a cellphone? I need a cellphone, how else will I tell you that I'm going to be late / where to pick me up? What if I get lost? Better make it a smartphone, everybody who's anybody has a smartphone. Okay fine dear, but it's going to be a cheap model and it better never leave the protective case.
* Twitter, Facebook, TH-cam, Instagram, Snapchat, Vine, FaceTime, Skype, Hangouts, and 20 other things that I don't know exist. If you want to talk to somebody far away, it's basically free after you've gotten the (relatively cheap) internet connection.
We're all such different people and the cohorts of people are narrower than just "this couple decades of people kinda think similarly and gave birth to this next couple decades of people".
Oh, sorry about the book.
I believe the youngest Millenial would be about 18-19. After the year 2000, thats a Gen Z. I think the oldest would be born in about 1985? I think?
As someone who's right on the younger edge of being a Millennial I can tell you almost all of us drink and smoke far too much. I've seen studies saying the opposite but I have a feeling they're missing something (like the fact most of us would lie about it too)
@@gazelle1467 As someone on the older side of Millennial-hood, myself and several friends don't drink at all, be it at home or out at a restaurant. I've had the same bottle of vodka for the last 10 years, it's only use has ever been for cooking.
I know two who have never had a drink in their lives - just never had the urge to try it.
Studies on human behavior among a generation are hard to get clear pictures of - regardless of what generation we fell into, people are still people, we're as varied between ourselves as we are compared to baby boomers.
Gazelle Samyueru Exactly, though if people wanna die at 24 due to lung cancer/liver failure that’s on them.
I just have to add a small caveat about the travel expenses thing. While you should never go nuts and forget about all that you are spending, I've found that as I grew up and I realized that there was nothing I could forget to pack that wasn't likely easy to purchase at my destination, my stress-levels for traveling dropped precipitously and I just plain had a lot more fun. (and a lot less luggage) End up in London where it's ridiculously hot and sunny outside (yeah it's awesome and I feel lucky, but all I have are pants and heavy shirts) ? Go to a store and buy a pair of shorts and some sunblock. You don't have to pack for every eventuality and even though you will be spending more for the same stuff, it's absolutely worth it once you really get into this mindset, and traveling is just way more fun and easygoing. Happy trails!
Love #3. My last employer often gave employees free movie tickets that were good only for the day they were given out which was always during the week. I found that it made my week feel so much more relaxing. I have never forgotten this.
Millenials are drinking more? Huh? I don't think that is true. It certainly isn't in the UK - alcohol consumption for young people peaked in 2002 and has been declining since. And the UK and US tend to mirror each other in broad social trends, and from what I've seen the same is true is the States. I'm guessing the proportion of money spent on alcohol outside the home may have increased because young people drink _less_ in the home. Also, compare Millenials to Gen Xers and Baby Boomers _when they were younger_ not today.
Merry Machiavelli
In England (not the whole UK) drug consumption is increasing alot. It's by far the country that consumes the most drugs out of Europe. So it's a small plus for a big minus.
+ThisIsTaco! Are you talking about the population as a whole or young people? Because if you are talking about young people specifically, there has been a decrease in drug use in the last decade, from 24.2% of 16-24 year olds having taken an illicit drug in the last year in 2006/7 to 19.2% in 2018.
Source: NHS/Office of national statistics: digital.nhs.uk/data-and-information/publications/statistical/statistics-on-drug-misuse/2018
Overall across the population fewer people are consuming illicit drugs, but more people are dying of them or being admitted into hospital due to them. Which from what I've seen elsewhere may be due to drugs on the street getting more potent.
As far as I'm concerned (I might be wrong) they are consumig more non illicit drugs, like meds and Nitrous Oxide.
Hmm...There is another source from Public Health England with a seemingly broader scope (it includes alcohol), looking at young people 'accessing specialist misuse services', and it says rates have declined year-on-year since 2008-9. Although, I will grant you in the 'background' section it does mention that one survey did find that drug consumption rates (especially for nitrous oxide and new psychoactive substances) had increased in schools, all in the all the authors seem to suggest rates of use amongst young people are stable currently against a longer-term trend of decline.
Source: chrome-extension://oemmndcbldboiebfnladdacbdfmadadm/assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/664945/Young-people-statistics-report-from-the-national-drug-treatment-monitoring-system-2016-2017.pdf
By my understanding, opoid abuse is much less of a problem in the UK than in the US, but where it does happen, those affected tend to be older (not a lot of young people suffer from the types of chronic pain that lead to geting hooked on opoids in the first place).
Merry Machiavelli
Yeah, most young junkies know to stay away from opoids, but with new drugs hitting the market every 6-12 months, they feel pushed to get new experiences.
Or you can buy clothes on flea-markets, salvation army or 2nd hand websites and cut your clothes budget by like 60%
Yes! I love second hand! Cheaper and ethical!
Or go to the clearance rack!
One of my favorite things about this channel is how circumspect you are about recommendations. Not everyone needs the same things from life, and TFD is aware of that and comfortable with it. It’s so refreshing to see people capable of providing good advice and good information without shaming people for having different needs and different personalities. Y’all are doing something right. 💚
Well, she did say that Americans live in too big of spaces. I thought that was a very individual thing and shouldn't be decided by someone living in an apart in NYC - someone who has no idea what it's like "out there" in the rest of Americana if they've done that their whole life. (I say that because as someone who has never lived in a tiny apt in a huge city like NYC for more than a week - and it was miserable- very much looked forward to being able to get out and have some 'elbow room'. So, for the most part it was not too judgmental, but I thought that part was a bit. But it's true that as a rule, Americans live in a lot more space than they used to - say 30-40 years ago with fewer people in their houses.
I feel like the housing advice was a bit onesided. As someone who grew up on a hobby farm, I would prefer to have that kind of land and take care of it, opposed to having no yard at all. Also, as someone who has a business casual wardrobe, scrubs wardrobe, and home clothes, all of them are necessary. I'm not gonna wear my business casual clothes into the ER...
Rae the PA I’d rather have community open space that I can use whenever I want near by than a yard that costs money and energy to maintain and serves little actual use, productive land is different because it offers enough reward beyond a silly bourgeois aesthetic. Literally the origin of lawn culture was rich French aristocracy showing off their wealth by maintaining land that was not used for production at cost I might add to the peasantry who farmed it previous to the fashion trend.
I'm sorry, but having no idea where you grew up, I doubt you grew up in a rural area, let alone in the country like I did. "Community space" is not a thing unless if you want to drive into town to use it. Even then, community space is often poorly maintained. Yes it takes time to maintain our yard, but also in the warmer months (Minnesota winter seems to get longer and longer) I grew up putting up temporary fencing and having temporary pastures and my parent's horses would do their cycle around and help with lawn maintenance. I spent a lot of time in our yard. We were always outside doing some sort of activity. So, you're not going to change my mind about having a yard because I actually want to use it. It is a personal preference.
Rae the PA I grew up in a number of environments, including a very traditional rural environment where we had a few acres and were surrounded by massive farms including, also we lived in deep bush for a while. The yard as in a lawn is a gross misuse of land in the suburban context, a yard in the rural context is entirely different and does not have the same negative factors. Most people don’t live in the rural environment and less and less will as time goes on and so the discussion around private green space should be urban and suburban focused where community open space is far more viable and where private green space is plain stupid.
Rae the PA I agree with you. I grew up in the south of Italy and the kind of houses we have there are big flats in big buildings (mainly historical buildings, or built the latest in the 30ies, and they have all big rooms, at least 2 bedrooms per flat). I live in the UK now and I suffer from the lack of space, flats and houses here are smaller than what I am used to and even though I don't own many things I always feel I don't have enough storage space. I would happily pay more for a bigger house/flat because for me it is essential! Also I would love to have a big garden for myself (in Italy we had garden shared with the whole building) and I would not care about having to clean or talke care of big spaces. Why do we have to live like caged chickens???
Rae the PA I think the main point is that you shouldn't buy a big house with a yard and everything if you wouldn't use it or didn't really need it. If you enjoy your space and land, that's great. But for someone who wouldn't actually need the space it would be just stupid and a waste to by more space than they could handle/need only because of the idea of "how adults should live".
My wife and I tried extremely hard to have an inexpensive wedding, and I feel like it helped us immensely in our first year while we were also finishing college.
I love this video!! I’m a hoarder and have personal debt...I’m realizing how much these two things go hand in hand. I’m trying to clean out my hoard and become debt-free too! Thank you for inspiring me to keep on financial track!
Yeah maybe that separation thing is a problem in America where you all seem a lot more friendly. I lived in London for 3 years and I can tell you that living on top of eachother like rats does not reduce any feelings of loneliness whatsoever, and it doesn't matter how close you live physically. I never felt isolated because I was surrounded by people all the time and my flat was somewhere where i could get away from other humans and decompress. I barely saw my housemates because we all work crazy long hours and just want to go to sleep, and I lived in flats with people above and below and either side of me and you could hear them rattling around in their flats in the morning and the evening but not once did i ever actually meet one of them in the hallway. I only knew their names because of the stack of letters in the main hall. In the UK knocking on someones door and introducing yourself is just not something you do. You certainly would not bring pie. The only place i've ever experienced a sense of community is in the countryside where people live miles away from eachother and actually make the effort to get to know their neighbours so they don't feel totally isolated.
gingerandpippin I agree we moved from San Diego California to north Carolina. We went from 2,000sqft. Home to a 5,000sqft in the countryside of north Carolina. We have made more friends than we ever did In San Diego. We even have a very helpful community here where everyone will help each other out if needed. Our home is big but we bought it becuase we have a big family and it's a historical home which we care for. In the long run San Diego was costing more to live in. We went from paying $4,000 dollars a month for rent to $1,500 for a mortgage. 🤷♀️ even buying groceries is a lot cheaper here. At the end of the day we save money and live in a wonderful community 🤷♀️.
There is always a golden middle in-between point - neither too cold, nor too hot, close-far, fast-slow, tight-loose, spicy-bland - with everything. London makes (in average) lots of money per square foot (lol, not necessary where you reside), hence the living is expensive there. American big houses are possible only because there is still a lot of space in this country - room for expansion. They also come with 3-4 hours of commuting to work and back every day. These are two extremes - far apart.
Americans honestly don't do super friendly stuff like that now either.
Luda K coming to work in London in the 80s was the best thing I have ever done. Brought 3 flats and the prices keep increasing by like 11% each year. I made more money from the 3 flats than working 40 hours a week. Should have done properly instead of finance
gingernadpippin I could not agree with you more! Nyc and DC are the same. You get your neighbors' pot stank and noise but you don't get to know anyone. Cities are lonely, noisy, and multiple unit dwellings in the states have roaches and bedbugs. It's pretty much hellish.
Truth on homes. When my husband and I bought our house, we had trouble finding a place that was big enough to grow into, 3 bedroom with space for an office, but without tons of extra space we would never use. We did find it, and we Airbnb out one of the extra bedrooms for now, but plan to convert that room into a kid's room once we have two kids. We use every room, and I can't imagine dealing with more space than we have.
I feel like this is too US-centred to be relatable, even though it might be aimed at millenials
Julia Berg she’s American and probably lives in the USA.
She was specifically mentioning Americans in the video
It is for Americans. She lives in America.
Yessss about the vacation thing. I noticed it the last time I traveled. I am typically frugal but on vacay, I’m a spending fiend.
Unless you live alone, I don't care how small the house is, two bathrooms is a must!
Moonlight Serenity Agreed!
Yes! Even if it's just one with a toilet and sink. My in laws only have one toilet and it drives me crazy!
cuz when u have the shits, stairs and distance are your enemies
When you and another person in your house gets the shits, two toilets make a world of difference!
I share an apartment with 1 toilet and 4 people. Before that I lived in a house with 2 toilets and 7 girls. We never had any problems...
Our house is too big, but anything smaller costs more. You do the math.
Same. Or the smaller houses are old and need $100k of renovations. 🤷♀️
Hey Chelsea! Just wanna say I absolutely adore your channel. It’s very very helpful for a young adult, recently graduated like me. Sending many thanks and greetings from Brazil. =)
I just want to point out that you can’t buy a bottled drink at Walgreens before going into the airport unless you drink it and dispose of it before going through security. Once you’re past security, you can buy a bottled drink for at least triple the price at the airport shops inside the terminal or on the plane. That’s part of why airport food is so expensive: security makes it so that it can be. But on the flip side of that, thank you thank you thank you for the video Erin did a few weeks ago on travel hacking. As both a frequent traveler and an excellent credit card user, her tips really helped me.
Lauren Conrad You're right about that. You can however take an empty water bottle, and the airport should have a water fountain to fill it on the other side of security. :) When I have flown, the bottle didn't even have to fit into my carry on by the airline's bag rules, so I didn't have to worry about using up my precious carry on volume.
A woman who worked in the airport also told me you can bring a water bottle that’s frozen. Idk how true that is because I never tried but there’s a possibility that works as well!
i just ask for water on the plane, they cant charge for it
Gregory Everson I've done this and many times get a little glass. I've asked for the whole bottle because I am always thirsty and the plane is so dry. Nope, not allowed. Just keep asking every 10min 🙄
It is made even worse when there is an "extra" security check at the gate and the toss out my airport purchased water!
Absolutely right about the haggling. Often you just gotta ask and it’s up(salary) or down (price) by 20%. I couldn’t believe it until I tried it. It works!
Could you do a video about roadtrips on a budget?
Anch sitan
"Sitting rooms that no one is allowed to sit in." WE HAD ONE OF THOSE. WHY DO WE HAVE THOSE?!
You always make sense in the things that you discuss in your videos. They are truly worth watching
I don’t agree about clothes at all. SOME bits of clothing can overlap for work and outside work, maybe you can wear a smart dress to a formal event, but it’ll be uncomfortable and look silly most of the time. Most people don’t work in Silicon Valley and can’t show up in jeans and a t shirt. Nor would you wear that to a wedding, for example. You wouldn’t want to wear smart, authoritative clothes out of work either because they’re too restricting and they’d wear out quickly. It’s just not that simple if you work in an office based environment.
Liusila
Slacks can fuel a wardrobe and can be worn most anywhere (unlike yoga pants): work, church, concerts, parties, even weddings. Pair them with different blouses so you can dress them up or down. There are many nice blouses and tunics for variety and comfort. It's not a bad thing to have a wardrobe you can wear for two weeks. What I can't understand is why you pay more for a bra than for some nice blouses! Or why panties are so expensive!
Or if you work in scrubs like me, you obviously need a whole second wardrobe for work. I have 3. I have work wardrobe, life (usually dresses or t-shirts and skirts or leggings) and my workout/stay-at-home clothes.
Ginny Jolly and if you are larger than average in the bust area, you understand why you have to have expensive bras. Cheap bras dont cut it for anything larger than DD
Liusila always be the best dressed person in the room. Some of the best advice I've ever received.
I think she pretty obviously was not saying that people like doctors should wear their scrubs everywhere, lol.
At around 2:30 you're saying Millenials go out to eat a whole lot, but there's a rather new story on the perplexing issue that not only do Millenials go out to eat way less, they also buy fewer groceries. They were even asking questions like: do Millenials even eat food? And as a person working in the fast food industry I can say it's true from what I've seen. Millenials, or the younger generation (sub 25 years old) are just not wealthy enough to eat like the older generations..
Most of what you mentioned is truth; yet many don’t like or appreciate truth. I absolutely love the commentary. ⭐️⭐️⭐️⭐️⭐️
it's always irritated me that no matter how poor the person is presented to be on tv everyone has a state of the art kitchen. I don't consider myself poor, I've never had a state of the art kitchen.
Ashley Bailey Nor do you need one. They’re passé, and a desperate attempt for social status just like a car with a half rent/mortgage payment every month.
Ashley Bailey I'm honestly happy whenever I move into a new place and the dishwasher works
Although I agree with your points, I also do think that most men should own a special suit. It could be one that they wear to work with different accessories if they have to dress up for work, but for most it is going to go untouched for 360 days a year, but is necessary.
Jake Wahout 4 suits and wear zero to work. A months worth of dress clothes don't get wasted at work either.
Track pants and sneaks for this programmer. However sometimes I think of dressing up. Maybe I'll start a once a week plan
Louis Hodges Obviously it depends on the type of job you do. I'm goong into teaching, I won't wear suits neither. But a lawyer would wear a suit at least 5 days a week, same for most doctors if they don't work at hospitals, etc. :)
most men have a suit, problem is, will it fit the next year
Gregory Everson But that can be the case woth any piece of clothing. Admittedly, suits are harder to fit it, but I don't not buy one because I might gain weight or muscle mass.
One thing that stands out when I watched this... you mention the things that drive the excessive clothes and drink being encourage, but don't mention at all what causes house sizes to be increasing. Many counties have been steadily increasing the minimum required house size for new construction, so the house values will be higher and they can collect more in property tax. In many areas it is impossible to build a house the size your grandparents had. And for alot of folks it is hard to fight against that trend because they have to live near their work. I love your videos. You always manage to touch on things I hadn't really thought about. Thanks!
The counter-example TV show would be Seinfeld. He has money in the show, but his apartment is fairly small (maybe not NY small, but still)
My guilty is my daily meal. I used to use 3-4$ per day in college but now I spend 10$ up and that's expensive for my city.
Does not apply to my society or lifestyle, but it's GREAT that you're making these vids! I know lots of people need to hear this!
I grow up at the place you have to haggling for everything you buy. Trust me, that’s feels really bad, also wasting a lot of time. You don’t even know if you get cheated or not. I really like how big chain store set the price and discount for everyone. But if you want to buy anything second hand, haggling is really useful. Second hand car, house, take over other person’s car lease, take over somebody’s gym membership list can go on…
I know. Every time I visit Egypt, Tunisia, Morocco, Israel - I'm never sure if I've just been cheated or not...haggling takes soo much time to do. And when a tourist visits, they often don't know what the 'real price' should be. Love stores with prices.
Don't agree with the clothes. You are mistaken. Our history (Look it up) has always been "Day dress and evening dress" in the 50's there was even a "house dress". In the early 1800's, women even had a "walking dress". We actually are more flexible with our clothes. Do your research lady.
Most history you refer to is not that old. Clothes are used to create a feeling that you are financially in a higher wealth class than you really are.The wealthier classes had the walking clothes. Most people had their daily wear and their Sunday best - worn on Sunday's to church and to important events or meetings. The evening wear is something also previously only the wealthier people had.. the last century also had the rise of advertising campaigns, where diamond rings were marketed as engagement rings,and DeBeers dictated how much the diamond cost based on number of months salary, room lamps were marketed as necessary when watching tv ( nothing scientific just the need to sell lamps). Clothes started being pushed as status symbols by department stores, I mean they had 'smoking jackets' , house dresses were the equivalent of an apron, protecting your clothes whilst doing housework, they were also pretty baggy to allow for pregnancy. Just because marketers want different categories of clothing doesn't mean we have to follow their lead in its entirety. Does every woman need to buy a new outfit every time they have another wedding to attend? Why not reuse a classic style and maybe change around the accessories? Keep I mind so many traditions are not that old - most of the wedding customs are relatively newer, less than 15 years old. It is the worst in the USA for sure- the cost is made greater with the expectation of the bridal party to fund a lot of it. If the bride and groom had to pay for the stuff worn by the groomsmen and bridesmaids then we will see more clothing hire and smaller wedding entourages. One kitchen tea or bridal shower used to enough.
She's saying that those unitasker outfits are an unnecessary expense from a past era.
As a millennial struggling with my finances... thank you for being honest and tough love with us.
After I started studying at uni and working at the same time (all full-time), just getting a candy has become "treating myself"
I'm sorry but there is no perfect closet that equally works for every situation. I can't wear my suit dress to school and I can't wear my slacks to work. I get that the point is trying to reduce wasted clothes but it would've been more useful to say buy simple things that can be mixed and matched to make multiple outfits instead of buying things that can be used in every situation.
I've saved thousands of dollars since I quit drinking. It's really solid advice to quit drinking and quit going out to eat tbh
I also was able to negotiate gym membership recently. Worked out great!
1. Stop buying alcohol when you go out
2. Stop living in a bigger home than you need
3. Stop the “treat yoself” weekend shopping habit and cramming your leisure time to the weekend
4. Stop having different wardrobe for different things. You don’t need different clothes for a day/night look
5. Stop wedding parties (Bachelor party, engagement party, etc)
6. Stop paying full price. Negotiate for more pay and cheaper price.
7. Stop overspending while on vacation
1.buying booze is ok, just not top shelf shit at bars or for home, if u making mixed drinks, cheap shit is ok, or if its beer, drink 2 good beers then drink cheap beer
2. i like to fart in more than 1 room
3. refer to #1
4. i ware the same clothes for work and home 2 days in a row, but i shower
5. i dont go, im 38, every1 i know is married or divorced
6. i probably aint buying that shit anyway
7. prostitutes dont negotiate, unless u got a small dick
5:17, no. The main reason that homes were cheaper was that they could cut corners with things like asbestos, lead paint and cheap wages.
This was such a great video. I especially liked the part about travel. She is 100% right about how we Americans get so little vacation that we feel like we have to make the most of them. I would like to add to this is you and your spouse work different schedules sometimes the one week of vacation a year may feel like the only time you have together and may result in wanting to way over spend.