12 Signs You're Doing Well Financially (Even If It Doesn't Feel Like It)

[@BryanInvest]

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[@Benjamin-t9f5b]

Money doesn’t grow overnight, but with the right investments, it can grow exponentially over time.

[@АллаМаклак]

Time in the market is one of the biggest factors in growing wealth through investments.

[@CodieSanchez-d6x]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@SiaukemLam]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@CodieSanchez-d6x]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@SiaukemLam]

Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.

[@LachieWatson-p3b]

Like you said, I’m very glad I found my finance community here. Please keep making videos for us Aussies! Cheers Bryan 🍋🍋🍋

[@BryanInvest]

Hey Lachie, thank you for your comment mate. I'm so happy to build this amazing finance community. Many many many more Australian related videos to come 😎🇦🇺

[@walkingtofi]

Lemon. Thanks for your content. I am also in the FIRE community. I understand that most of your viewers are younger than I but I recently found out that I can take my Super in pension phase when I eventually turn 60 but can still keep an accumulation account to salary sacrifice my excess share dividends, then transfer to my tax free pension account when they build up. Could you consider the occasional early retiree in your wonderful content? Cheers

[@BryanInvest]

Hey mate, thanks for sharing! I will definitely be doing more Super/Retirement content in the future.

[@MillenialAlex]

I think the big lesson here is: don’t compare yourself to others and run your own race

[@BryanInvest]

That's it mate. Lucky plays a big role in where you start in the race. Instead of feeling sorry for yourself, just aim to do the very best you can with the cards you were dealt with. It's You vs You 👊

[@Jim-Greek]

Thanks B-Man 🤜🏽 Another great video with excellent, easy to follow content. Currently in Boracay having a Jonah’s Shake. Later have some San Miguel Light with calamansi or even a Lemon wedge 😎 🍻 🍋

[@BryanInvest]

Hey Jim, living the dream as usual mate. May the beers keep flowing 🍺🍺🍺

[@rachelrose8901]

🍋 Thanks Brian for the acknowledgement of progress, encouragement, and the gentle reminder about Needs vs Wants. Great video 🙌

[@BryanInvest]

Thanks for the lovely comment! 😊

[@ladyskith7103]

🍋🍋 Thanks Bryan, with Christmas coming up I was starting to fall back into the usual financial stresses. But this made me feel better when I realized I can tick off some of the 12.

[@LittleJennyMPT]

🍋🍋🍋 it takes years to be able to tick off those lists. Grateful to be a part of this community. Thank you for sharing your thoughts ! 🙏

[@KirkPennuto]

Lemon. Thanks Bryan for making videos that demystify and motivate at the same time. Some great simple positive messaging in this one. Cheers mate. 👍

[@BryanInvest]

Thanks mate. It needs to be said. Too much unrealistic expectations in this digital age.

[@ninjafruit-y9t]

Good point on the talking about money part. I don't feel like I can talk about this stuff to my group of friends without sounding like a wha**er to them. Glad to have found your channel mate. Lemon 🍋

[@BryanInvest]

Hahaha, I can relate mate! It's a little taboo in my circle of friends as well. At least we can all discuss here openly.

[@KatherinaKajer]

Very insightful and easy to digest information. Thanks for the video 🍋

[@seetherbridge3]

🍋 really good video mate!

[@jonnoklr7293]

Lemon. Great video Bryan!!

[@bernietech19]

Heyyy I basically tick all the signs. Thanks for the lemon video 🍋

[@BryanInvest]

Awesome mate!

[@yashjain2693]

Lemon ! Thank you for the great video

[@BryanInvest]

Cheers buddy 👊

[@james-jq8sk]

Another great video, thank you...

[@fabiocappuccini7178]

🍋 thank you for your videos :)

[@aussie5.063]

Sounds like I'm doing a lot better then I expected.

[@Hards247]

“Comparison is the thief of joy”

[@BryanInvest]

One of my fav lines!

[@lesterlloyd]

I have a question. Me and my wife can tick off ALL on this list except the "good credit score" part. We NEVER have debts. No credit cards. No mortgages. No kids. We rent and spend (needs and wants) all within our means via cash/debit card. In the near future, we might enter in to the housing market and buy/loan our first house. Will the absence of "good credit score" affect our future application? Even though we manage our finances well (save/invest)? In my layman's idea, banks are more interested in "how you pay (debt)" rather than "how you save/invest (stocks/etf)."

[@grey7513]

For the sake of clarity, have you actually checked your credit score?

[@BryanInvest]

It may affect it a bit but it's better to a 'low credit score' than to have bad debt. You could have a chat to your bank about your borrowing capacity and ask them how you can increase that.

[@lesterlloyd]

@@grey7513 forgive my ignorance. I only checked it now through Canstar. Not sure if thats reliable. Anyway, it says "772 very good."

[@lesterlloyd]

@@grey7513 i am in the understanding that if we never had loans/debt, there is no "credit score," hence my question.

[@lesterlloyd]

@@grey7513 not sure if Canstar is reliable. I just checked it now and it says "772 very good."

[@omeryuksel4350]

Thanks for the content mate. I want to ask an irrevelant question tho. what do you think is the best way to keep emergency funds in? ETFs ,shares, Bonds or Bank accounts

[@BryanInvest]

High Interest Savings Account or Offset account for me. Instant access while still a decent return.

[@_n_d_]

I think I'm finally doing well financially after years of being in a LOT of debt. I am now completely debt free, although I don't own any property so I'm still renting but one day I may get a mortgage. I have six figures in a HISA. I have a military pension for life so that reduces how much super I'll get in the future but it'll still be decent. I only have a few thousand in crypto but want to get into ETFs soon. It's all very daunting still. As morbid as it sounds, I'll also be getting a decent chunk of money from inheritance in the next 3-5 years I'd say. Together with my super, I'll probably use that as a pretty sizeable deposit on a house/apartment. Haven't watched the video yet but I will when I get some spare time tonight. 🍋😁

[@BryanInvest]

Well done, mate. I'm proud of you. Love reading long comments like this. You seem to have a good head on your shoulders with a solid plan. All the best to you! 🫡

[@_n_d_]

@@BryanInvest Thanks :)

[@sarahlynch3831]

When life gives you LEMONS, get a good credit score 😂

[@BryanInvest]

Have truer words ever been spoken?

[@RichelRavillas]

Thanks for this video. 😀🍋

[@BryanInvest]

Thanks for watching! 😊

[@audrablue515]

1. You Have An Emergency Fund - Getting there slowly 2. You Have Manageable Debt - True 3. You Pay Your Bills On Time - True. It's the only upside of getting paid monthly. 4. You Have Some Investments - Not yet but working on it 5. You Have A Stable Income - True 6. You Live Below Your Means - True 7. You Have A Good Credit Score - I think so, but not quite sure 8. You Have Financial Goals - True 9. You Don't Show Off Your Wealth - True. Nobody knows anything about my financial life 10. You Don't Impulse Buy - True 11. You Can Talk About Money - I can, but I don't. That's private. 12. You Track Your Finances - True. It's enabled me to cut right back and live below my means

[@BryanInvest]

Thanks for sharing :) That’s great! Looks like you’re on your way 👍

[@chungho6525]

Nice video. When the world gives your lemons...

[@BryanInvest]

make a lemonade stand? 😄

[@ningboflyer3871]

I think in Au the most important sign of this is to have a non-apartment of your own, with a manageable amount of loan each month or no loan at all. Instead of having to be exploited by the rental crisis.

[@BryanInvest]

This is true. Having your own home is important.

[@Maverick55873]

Awesome video as usual mate! 🍋🍋🍋

[@BryanInvest]

🤝

[@TheWeldingBoy]

Lemon🍋. Great content Brian.

[@ningpalakawong3217]

Now I feel a bit better about my financial situation 😊. LEMON 🍋

[@BryanInvest]

Awesome! Keep up the good work and make sure you're always improving your life.

[@lucaswalker1025]

Great video 🍋

[@BryanInvest]

💛

[@MrAmarz]

Hey Brayn I am a beginner and interested to start my investment journey.I have been watching your vids lately regularly.could you please tell me in between Moo moo and stake which one woulb has lowest brokerage fee and would be beneficial for a newbie... thanks

[@BryanInvest]

Hey mate, I've used both platforms and they're both good. For AU stocks, they're around the same fees but Moomoo is cheaper overall when you take into account US stocks.

[@MrAmarz]

@@BryanInvest thanks heaps...

[@MrBill2U]

Ever since I started to buy those discounted cigarettes 🤣🤣🤣 I've been killing it. Should have done it sooner.

[@BryanInvest]

Haha, love it.

[@MrBill2U]

@@BryanInvest I saved $800 it's nice to have some blow money again.😆😆😆

[@WoodsideADL]

Lemon, mate. Definitely time to invest ❤

[@BryanInvest]

All the best, mate! 🤝

[@charlestrickey6792]

Grow the Lem-pire 🍋, thank you for the great videos

[@ScruffyIsMyName]

#13 - The next time you want to upgrade to a new TV, or phone, or shiny kitchen appliance, check out the prices of precious metals (stackable silver or grams of gold), or maybe teach yourself about coin collecting. You still get the retail dopamine hit of buying these things, but you're creating "invisible wealth" instead of "instant depreciation". Apologies for writing a whole lemon of an essay. 🍋🍋🍋🍋

[@BryanInvest]

That is a very good point my man. So find a hobby that makes you money, not lose money 🤑

[@rubaiyatrahman5867]

Talking about precious metals, where to start ? What could be strategy to diversify investment ?

[@ScruffyIsMyName]

@@rubaiyatrahman5867 For a start, trust nothing on FleaBay. Every capital city has dealers - gold, silver, platinum. You don't have to buy ounces, just grams. Search for a dealer near you, hit their website, give them a call. Most local coin shops could recommend a good PM dealer. You gotta educate yourself. I'm not an expert - just learning, myself.

[@ScruffyIsMyName]

​@@rubaiyatrahman5867I have no strategy - just random accumulation. I'm buying to hold.

[@ZoeHughes-lu6ki]

Drinking lemonade while finding out I'm doing most of these things!

[@BryanInvest]

Winning! Keep it up 👍

[@jenno0o]

Does it count to have an emergency fund in an offset account but psychologically still considering it as a mortgage repayment?

[@BryanInvest]

Absolutely. I think a lot of people are doing this. As long as you can mentally consider that money to be an emergency fund as soon as you need it.

[@Humannn8ss8]

I have money sitting in the bank! What should I do with it? Already got 25% in index funds and the rest is idle cash

[@BryanInvest]

I can't tell you what to do with it mate. The index funds is a good start. Write down your financial goals - do you want to buy a house? retire early? Then have a plan on how you're going to do that.

[@ZenithMusicYT]

It keeps saying the promotion for moomoo is not available in my region? I live in Sydney & have no VPN on my phone. Any help? Or do I have to open the link via desktop.

[@BryanInvest]

Yeah, that definitely doesn't sound right mate given Moomoo's head office is in NSW. Have you tried the link and different devices?

[@wrx111]

Does having money in a high interest term deposit count as doing well.

[@BryanInvest]

Of course. That's where you should put your emergency fund.

[@lawrenceloellimong4214]

Thanks lemon 🍋 😂

[@callumsmith338]

“Interest rate offered will never outpace inflation”. That’s a complete lie, so when banks offer 7-8% interest that’s not better than inflation? Savings rates are tied to mortgage rates, not inflation…

[@BryanInvest]

I thought it was implied, but I should have said bank interest rates never outpace inflation over the long term. Do you really think banks will continue to offer 8% long term if inflation data is lower? Also, savings rates are tied to both mortgage and inflation. Savings rate will never be higher than Mortgage rates. RBA usually increases interest rates during high inflation and vice versa during low inflation.

[@Bobbydazzlla]

I don't like lemons 🍋🍋🍋but I like melons 🍉🍉

[@ScruffyIsMyName]

Just quietly, I love melons.

[@BryanInvest]

Can't argue with that mate. Especially in the summer coming up ☀

[@sirdino6967]

lemon my friend

[@BryanInvest]

💛

[@TomBailey-f9i]

My CBA account has free credit score checks. Is it safe to use?

[@ashernomicYT]

huh?

[@freefree1664]

moneysmart .gov .au has the info if where you can get your credit scores, free with the 3 different reporting agencies

[@BryanInvest]

Yes, I've heard of this. It's safe to use.

[@brobiv2452]

I’m not having any of the signs you mentioned in the video 😢

[@BryanInvest]

Don't sweat it. Start with 1 and build yourself up.

[@rubaiyatrahman5867]

hey mate, you might wanna start by checking if you can cancel some unused subscription such as gym, streaming services, a cheaper phone plan. you will be amazed if you track those savings for a year and plan investing that money into ETFs or such

[@brobiv2452]

@@rubaiyatrahman5867 good idea, i was thinking of cancelling my gym membership so I can save extra 20 dollar a week. who really needs fitness anyway when i can be rich

[@SimoneShaw-fy2zm]

My credit card I don't have interest can't take cash out

[@Frostyboynz]

Lemon 👍👍

[@davidhamtaro]

Lemon 🍋

[@FrankPap]

Lemon

[@creativecontent99999]

Lemon ty

[@Briansunday-zw8wb]

Why have an emergency fund? Makes no sense to me, why not rather have investments you can liquidate if required?

[@DUBLDENM]

No guarantee of what that liquid is worth when you lose your job tomorrow.

[@BryanInvest]

What if your investments are down during a time you need the money? It also takes a few days for sold stocks to settle.

[@Briansunday-zw8wb]

@@BryanInvest yeah but something solid like gold coins

[@929cosmodude]

debt free lemon 😃

[@compassionisclassy]

Lemon🍋

[@JeffW-pt4lv]

LEMON 🍋

[@annabiggs2534]

Who only needs $40k a year to live?

[@maxrockatanksyOG]

Lemon. Ouch- we only have 5/12. Have managed to put $500 odd into Raiz this year, very slowly trying to get on top of bills. Still no real emergency fund- have a few hundred in savings.

[@MaciuKaloutani]

Lemon , I suck with money 😢

[@kevinwan8959]

🍋

[@ivan_thai]

🍋 lemon

[@SimoneShaw-fy2zm]

$7000 if onlyyyy

[@joereece3386]

Lemom

[@nickmcdonarld]

Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Brooke Miller

[@adrianamatilda1]

I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.

[@ZahirFriedman]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@sarapalin]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@AdamKotlicki]

I'm new at this, please how can I reach her?

[@stephaniebeddis8069]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@mattpali8854]

@BryanInvest. What spreadsheet do you use to track your finances and Homeloan. Thanks

[@juliuslim3175]

Lemon

[@annikaraffay7613]

Lemon 🍋

[@ivan_thai]

🍋

[@elliebabyfish9145]

Lemon 🍋

[@kavindajayasekara9180]

Lemon

[@pn9528]

🍋