I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid , Thank God i'm now on my feet . In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!
Wow, interesting indeed! Currently I'm in need of investment ideas or tips. Earlier this year I hesitated and failed to take any action until now. However, I'm determined to try some new as I am very open to various investment ideas . I want to be retired in my forties or fifties. I really wish I can achieve what you have achieved and I believe it will happen
It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser, who can advise you is crucial, especially when choosing assets.
Thank you for your advice, it's challenging to find a reliable investment advisor here. Seeing the success you have achieved through investing I would love to have access to your investment advisor.
Generally, investing requires higher knowledge. For this reason, it's important to have a solid support structure to guide you through especially in asset picking. I operate with (ALEX MARTIN TARLOR) an investment specialist who partners with a licensed wealth management firm. For the record, his experience has been the best for my finance
Wow, I'm surprised you know Alex martin tarlor He has been my financial advisor for over a year now and not only do I receive large passive income monthly I am able to achieve 4 out 5 financial goal I have for the year
when i got my new job i can easy save 600 dollar a month in about 2 years i will have more then 10.000 cant wait, i never had savings in my life, almost hitting 39 next month, wish i start saving more serious when i was younger, but everything is expensive, main costs are food,gas,car maintaince, and insurances
At 18 I had $12,000 saved up on my own making $10 an hour at a local pizza joint for 2.5 years while in high school. Now at 26, I’m barely able to save a quarter of that now that I have a mortgage, student loans, a car loan, etc.
thx I've been keeping track of my finances and budgeting since the start of the summer. I have a good idea of how much I can realistically save each month. I have a goal amount and will use this spreadsheet to try to get to that goal!
Thanks for sharing this spreadsheet! Now saving €200/month, by January 2024, I will be able to save €400 as my renovation dept and credit card dept will be paid off!
I laughed so hard when you said, “what separates Augustin from other people on TH-cam is I live in something called reality.” Then the word flashes on the screen in quotes 😂 Love it! I am so over the “100 envelope challenge save $5000 in three months” challenge popular on social media right now. Reality is that most people fail those unrealistic savings challenges b/c they don’t factor in their own lifestyle/budget/living expenses
I saved that in 1998 working in a restaurant 10-12 hour shifts five days a week. I was twenty years old. I had a roommate and my part of the rent was $300 a month. No other bills to pay but food to buy. Same city, same job, same place to live would allow me to save $10k a year, but now it's not a lot of money.
Hello from Tampa! Enjoy your vacation in my home state. Thank you for the budget spreadsheet. I use it daily in my quest to get out of debt. I’ll use this savings one as well (can’t make a copy on an iPhone, sadly).
Thanks for the Sheet. That was fun. I recently told myself I wanted to put away 150k in ten years. Ill really have scrap to do it, but I think I can. I figured 1500 a month would do it, but your sheet gave me some leeway. If I do it, it'll only be 7.74 years.
Sound advice Austin. I have £8.2 K (which is about $10K) after 13 months. I'm not on a super wage, just been cutting out buying crap I don't need. 10K is a super amount to have, but whatever you save is better than not having anything and gives you a little bit of security👍
Thanks for this video and special thanks for mentioning (finally, someone!) that _it takes time_! I've seen several videos along the line "how to save xk on a low income" and they usually provide helpful tips and good ideas how to live frugally but this is the first video where I see the timing factored in.
I messed up bad when I was around 18. Didn’t know anything and maxed out credit cards and took out loans and was real dumb got to the point where my paychecks were not enough to even cover my bills each month so I was choosing which ones to pay and skipping others every month. Eventually I got to the point I was making good money but still paying way too many bills and was having a hard time saving. What I personally did to get me out of the hole was create a savings account through a seperate bank than my checking. Then made a very complex budget and lived off cheap food and cheap clothes for almost 2 years……now I’m comfortably able to save 2-3k each month. If anyone young is in here I’d definitely recommend saving as much as you can and not spend money on luxuries and wants without saving for them first.
The work you do is so important in this economic climate. I'm blessed to have a great income at a young age, but I found your point about setting a realistic and consistent monthly contribution really helpful. I fall into the trap of telling myself to save as much as possible, and then failure to do so because of unexpected circumstances creates a frustrating and demotivating experience. It feels a lot better to set a bare minimum value that I am happy with, and just pat myself on the back when I'm able to contribute more. Really changes the psychological experience of saving.
I moved back home (late 30s), it does work with discipline and patience. The savings account really does help to see how much you save. I like your videos, great minds think alike haha. I put money into my savings after I get paid every 2 weeks, it adds up fast.
I think the biggest obstacle I face is my lack of patience. I get tired and frustrated and start to slip into old habits and desires. Telling myself that I am not moving fast enough or that my work is not paying off is a way I keep myself from leaving my comfort zone. Thank you for the reminder.
So great! The record keeping is so important! Before I started keeping a budget, I thought that I didn't make enough. I was so wrong! Once I pay off my car loan (18 months), I'll be able to save several hundred dollars a month on a low income. Thanks!
Step one, you advise to set up a savings account with a high interest rate but don't have that detail factor into the spreadsheet savings at all. How could one add that into the calculations? Thanks in advance!
I actually accomplished saving about $10K in about 2-3 years when I started a mutual fund. It essentially became my down payment for the vehicle I purchased at the beginning of the year. My plan right now is to rebuild my emergency fund. My goal is to start working towards a $10k emergency fund, while paying off that vehicle I purchased. Also, congrats on hitting 60k subscribers.
Many thanks for configuring the easy to use spreadsheet! It is useful. I feel you are one of the few you-tuber creators that genuinely looks out for your subscribers! Thanks again!!
Total bull, I saved 50 grand by the age of 20 delivering pizzas but again the kicker is that by living at home you have no expenses. All I had was a $75 computer payment and a $30 phone bill as I recall it. The occasional repair on the car was a business expense. 300 dollars saved every month is a lot of money on a consistent basis when you have bills to pay.
If you aren't making at least $4.80 per hour, it will take you a minimum of a year to earn $10,000.00. (Assume 40 hours a week, working all 52 weeks in a year.)
My only problem is patience. Before i can wait until the next oay check to build, i spend it on something i don't need or use as much. I'm so annoying with myself. I want to leave this comment here and come back here in 1 year on December 1st 2024.
Thanks for the information. I have my income check directly deposited into my checking account. From there I have a certain amount automatically withdrawn every month and put into my savings account.
I work as a caregiver.. making barely 16hr.. I have over 12k I walk to work which is two miles away, cook 3 times a week..I do indulge but within reason..
I did exactly the same thing here. 10 months of £1,000 to get to £10,000. It's not rocket science. Just slightly above minimum wage and live with parents so no major expenses. Just don't buy anything unnecessary.
Do anybody want to give you love peace and happiness and joy and happiness and joy and happiness and joy and happiness and salvation and eternal life if u confess your sins
@@jadenwsop5245 oh ok. I must have read your comment and mistaken it for the title. Yeah. Programming is a sweet job. Rated one of the best jobs overall
Thanks for 60,000 subscribers!!!!
Congrats!!
So proud of you Austin! I remember the day your channel really took off and I was as proud of you then as I am now. 🎉
Well deserved!🎉 Your content is not just informative but entertaining at the same time!😊 Cheers from Europe
Yay congratulations el agustin🎉 you came a longgg way.
Living testimony financial success. 🧡 🐪
I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid , Thank God i'm now on my feet . In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!
Wow, interesting indeed! Currently I'm in need of investment ideas or tips. Earlier this year I hesitated and failed to take any action until now. However, I'm determined to try some new as I am very open to various investment ideas . I want to be retired in my forties or fifties. I really wish I can achieve what you have achieved and I believe it will happen
It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser, who can advise you is crucial, especially when choosing assets.
Thank you for your advice, it's challenging to find a reliable investment advisor here. Seeing the success you have achieved through investing I would love to have access to your investment advisor.
Generally, investing requires higher knowledge. For this reason, it's important to have a solid support structure to guide you through especially in asset picking. I operate with (ALEX MARTIN TARLOR) an investment specialist who partners with a licensed wealth management firm. For the record, his experience has been the best for my finance
Wow, I'm surprised you know Alex martin tarlor He has been my financial advisor for over a year now and not only do I receive large passive income monthly I am able to achieve 4 out 5 financial goal I have for the year
We’re close to 10k in just 3 months. We completely changed the way we live and it’s the best feeling ever
when i got my new job i can easy save 600 dollar a month in about 2 years i will have more then 10.000 cant wait, i never had savings in my life, almost hitting 39 next month, wish i start saving more serious when i was younger, but everything is expensive, main costs are food,gas,car maintaince, and insurances
At 18 I had $12,000 saved up on my own making $10 an hour at a local pizza joint for 2.5 years while in high school. Now at 26, I’m barely able to save a quarter of that now that I have a mortgage, student loans, a car loan, etc.
I see you got that 2021 Tesla tho…
@@AnonymousUser568 2022. I’m not complaining. It’s just much harder to save as an adult.
excuses. just dont buy sh#t.
@@jacqueslee2592 😂😂😅
This is a great chart. I can save only $25 per month, so I changed the $10,000 to $1,000. That's doable for me. Thanks for the encouragement. Diane
Update? 4 months ago, hope you’re at $100+ right now!!
How's it going? Hopefully you are reaching your goals!
thx I've been keeping track of my finances and budgeting since the start of the summer. I have a good idea of how much I can realistically save each month. I have a goal amount and will use this spreadsheet to try to get to that goal!
Congrats on 60k subscribers! 🎉Have fun on vacation!!!
Thanks for sharing this spreadsheet! Now saving €200/month, by January 2024, I will be able to save €400 as my renovation dept and credit card dept will be paid off!
I laughed so hard when you said, “what separates Augustin from other people on TH-cam is I live in something called reality.” Then the word flashes on the screen in quotes 😂
Love it!
I am so over the “100 envelope challenge save $5000 in three months” challenge popular on social media right now.
Reality is that most people fail those unrealistic savings challenges b/c they don’t factor in their own lifestyle/budget/living expenses
You da man, Agustin! Have a boss hog weekend and a smashing vaca in sunny Florida!!! 🙂
Congrats on 60k, truly valuable content ❤
I saved that in 1998 working in a restaurant 10-12 hour shifts five days a week. I was twenty years old. I had a roommate and my part of the rent was $300 a month. No other bills to pay but food to buy. Same city, same job, same place to live would allow me to save $10k a year, but now it's not a lot of money.
Thank you for the template!!! I love your videos! They're all very realistic.
Your awesome Austin! Thank you for this very informative helpful video! Have a beautiful blessed day 😇
Hello from Tampa! Enjoy your vacation in my home state. Thank you for the budget spreadsheet. I use it daily in my quest to get out of debt. I’ll use this savings one as well (can’t make a copy on an iPhone, sadly).
As always thanks for your good information. Hope you enjoy your trip down here to Florida. With the travel ban it might be less crowded this winter.
Thanks for the Sheet. That was fun. I recently told myself I wanted to put away 150k in ten years. Ill really have scrap to do it, but I think I can. I figured 1500 a month would do it, but your sheet gave me some leeway. If I do it, it'll only be 7.74 years.
@davidweaver can you tell me where to find free spreadsheets. Can find it. Thanks
Thank you ❤ I do this money management system every week, and so far I have 45k saved up. I also set goals for myself regarding this. Great content ❤
Sound advice Austin. I have £8.2 K (which is about $10K) after 13 months. I'm not on a super wage, just been cutting out buying crap I don't need. 10K is a super amount to have, but whatever you save is better than not having anything and gives you a little bit of security👍
Love the content. $10K in savkng sure does sound good. I am half way there.
Thanks for this video and special thanks for mentioning (finally, someone!) that _it takes time_! I've seen several videos along the line "how to save xk on a low income" and they usually provide helpful tips and good ideas how to live frugally but this is the first video where I see the timing factored in.
These days having a bank account it's risky! There's a turmoil going on with the banks world wide.
Congrats on 60K El Agustín! 🎉🔥🔥🔥
Have a great trip to FL. It's chilly down here right now, for FL. 😂
I messed up bad when I was around 18. Didn’t know anything and maxed out credit cards and took out loans and was real dumb got to the point where my paychecks were not enough to even cover my bills each month so I was choosing which ones to pay and skipping others every month. Eventually I got to the point I was making good money but still paying way too many bills and was having a hard time saving. What I personally did to get me out of the hole was create a savings account through a seperate bank than my checking. Then made a very complex budget and lived off cheap food and cheap clothes for almost 2 years……now I’m comfortably able to save 2-3k each month. If anyone young is in here I’d definitely recommend saving as much as you can and not spend money on luxuries and wants without saving for them first.
The work you do is so important in this economic climate. I'm blessed to have a great income at a young age, but I found your point about setting a realistic and consistent monthly contribution really helpful. I fall into the trap of telling myself to save as much as possible, and then failure to do so because of unexpected circumstances creates a frustrating and demotivating experience. It feels a lot better to set a bare minimum value that I am happy with, and just pat myself on the back when I'm able to contribute more. Really changes the psychological experience of saving.
I moved back home (late 30s), it does work with discipline and patience. The savings account really does help to see how much you save. I like your videos, great minds think alike haha. I put money into my savings after I get paid every 2 weeks, it adds up fast.
Congrats on 60k Agustin! I love your content immensely and am very happy to be one of your subs since you were at 26k. On to 100k now!
Thanks!!!!!!
I think the biggest obstacle I face is my lack of patience. I get tired and frustrated and start to slip into old habits and desires. Telling myself that I am not moving fast enough or that my work is not paying off is a way I keep myself from leaving my comfort zone. Thank you for the reminder.
Thanks for the advice
CONGRATULATIONS ON 60,OOO SUBSCRIBERS!
Thanks!
Your videos are my fave of all time
Valuable stuff! Congratulations on reaching 60K and thanks for consistently over-delivering!
Thanks!
So great! The record keeping is so important! Before I started keeping a budget, I thought that I didn't make enough. I was so wrong! Once I pay off my car loan (18 months), I'll be able to save several hundred dollars a month on a low income. Thanks!
Step one, you advise to set up a savings account with a high interest rate but don't have that detail factor into the spreadsheet savings at all. How could one add that into the calculations? Thanks in advance!
Augustin
Im watching from
South Africa.
I ❤ loveeeee your content.
Enjoy Florida
I actually accomplished saving about $10K in about 2-3 years when I started a mutual fund. It essentially became my down payment for the vehicle I purchased at the beginning of the year. My plan right now is to rebuild my emergency fund. My goal is to start working towards a $10k emergency fund, while paying off that vehicle I purchased. Also, congrats on hitting 60k subscribers.
Hi Austin, thank you for the spreadsheet template. Really nice work!
Thanks for watching!
It was fitting that you went full on salt and peppa with that t-shirt. All that wisdom! Enjoy your vacation! 🧡 🐪
Many thanks for configuring the easy to use spreadsheet! It is useful. I feel you are one of the few you-tuber creators that genuinely looks out for your subscribers! Thanks again!!
❤ thanks hun xoxoxo 💞 I've just got a start of $600🎉
Austin, happy to see your video. I missed you on Monday. I kept checking and checking on the Monday Video 😔
Hi! Yeah, had to take one off to get back ahead! It's a never ending game of catch up making videos!
Congrats on 60k. 🎉
Good idea. Now i need to find an app version for my adhd kid.
Hi, from Los Angeles!
I hope that I can used the spreadsheet for the opposite I’m still paying down my debt.
Yes! Enjoy your holiday Austin… watch out for them Alligators 😎👍
Imma wrestle with some!
Actually that’s a very nice spreadsheet. I used to have to prepare them for a job for trade organizations, and this is pretty helpful for anyone.
Thanks. It's simple!
Total bull, I saved 50 grand by the age of 20 delivering pizzas but again the kicker is that by living at home you have no expenses. All I had was a $75 computer payment and a $30 phone bill as I recall it. The occasional repair on the car was a business expense.
300 dollars saved every month is a lot of money on a consistent basis when you have bills to pay.
yeah you tell him. I think many online just got lucky but they ignore how everyone cant be as lucky!!!
Very helpful tips. Thanks 🙏🏼
If you aren't making at least $4.80 per hour, it will take you a minimum of a year to earn $10,000.00.
(Assume 40 hours a week, working all 52 weeks in a year.)
In Poland we have 0,2% interest 😅 Some banks offer more, but only for one year.
Enjoy Florida & your well deserved break. Safe travels
Appreciate it! Been in a zone for a bit, but all prepared to go now!
Congrats on 60K 🎊🎊
I would recommend that you do not have a savings account. But that you invest this money. So it would take less time to reach out to 10000,00 $.
Thank Austin. You provide great inspiration and enthusiasm!
Thanks for watching, Richard!!!
Has anyone told you that you look like Brandon Flowers? (Singer, The Killers) First thought to ever come to my mind 😂
Thanks for the video Austin 😊
Thanks austin
Thank you😊 love from Sweden ❤
I make $42 a day and I struggle saving money I really need to save money
My only problem is patience. Before i can wait until the next oay check to build, i spend it on something i don't need or use as much. I'm so annoying with myself. I want to leave this comment here and come back here in 1 year on December 1st 2024.
Ask yourself before you buy it is it a need or a want? if is a want, I'f is a want then don't buy it lol 😜
Have a safe and fun trip vacation
Thanks for the information. I have my income check directly deposited into my checking account. From there I have a certain amount automatically withdrawn every month and put into my savings account.
Congrats Austin 🎉
You have great content!
Saludos 🫂 Agustín para que parte de la Florida vienes?
How long did it take you to save that much money?
Thanks Augustine! Darn, I am going to really have to up my monthly savings. Looks like at my rate it will take me 13 years to get $10000!
I'm sure you'll get there quicker! Life is full of surprises!
Does it work on phone
Wait last year you said you were 21 when you worked there, and this video you was 2022.
Hi guys, where is the free spread sheet.
2:04
❤will try it ❤
Does anyone know how long it takes to get permission to edit the spread sheet ?
It's not a bad video, but claiming you saved 10k at $8/hour just makes it sound like you had no rent or real expenses
🎉🎉 that was uplifting!🎉🎉
I'm glad!
Congratulations 👏👏👏
With the subscribes
I appreciate it! I was watching it as it happened, haha. It's been three months in the 50k's.
Hi Agustin! Can I use the sheet even I from the Philippines and our currency denomination here is Philippine Peso (₱)?
I mentioned it in the end of the video. Just have to changer the goal amount. he dollar symbol will still be there, but all the numbers will change.
You didn’t add the monthly interest.
If you do what Austin says and save $300 a month for 2.5 years at an interest rate of 4.5% you would get, roughly $530
The equation was a little too complex.
this doesnt work; its too optimistic
You had me at bread
I like the video 😊😎
Awesome!
dont destry your phone so you dont have to buy more phones
I work as a caregiver.. making barely 16hr.. I have over 12k
I walk to work which is two miles away, cook 3 times a week..I do indulge but within reason..
That's an amazing accomplishment. The fact that you're also walking 2 miles to work is inspiring as well.
🎉
But I want to save 100K. I'm 58 making 2000 a month.
Just do this X 10 😂
We are living in “reality” 😅😅😅lol
❤❤❤
I am working on 10k goal but it is for a loan someone give me I'm saving to pay it back. It is for a good investment.🎉
you're a charming lad
I did exactly the same thing here. 10 months of £1,000 to get to £10,000. It's not rocket science. Just slightly above minimum wage and live with parents so no major expenses. Just don't buy anything unnecessary.
Yeah, money is very simple.
hahhaha meanwhile here i am paid 5 euros an hour.
This man got endorsements and stuff. Lying out of his butt 😂
crying bc my estimate was 33.33 YEARS lmao
You can find ways to get there sooner!!!
well i can get at least 100 per year
not 33.33!!!!
Do anybody want to give you love peace and happiness and joy and happiness and joy and happiness and joy and happiness and salvation and eternal life if u confess your sins
How to save 10k as a overpaid programmer, just spend the absolute minimum for 2 months
Did he quickly change the name of the video? I swear it said that and now it says low income
@@dreamleaf6784 I was just bantering, no change in the title
@@jadenwsop5245 oh ok. I must have read your comment and mistaken it for the title.
Yeah. Programming is a sweet job. Rated one of the best jobs overall
Americans are only 40% of your audience? How is that?
The rest is from other countries!
@@ElAgustinyup from the UK here saved £150 so far £9,850 to go lol
Congrats on 60 K!
❤❤❤