3 Money Habits I Wish I Learned In My 20s

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Timestamps:
00:00 - Assigned-value
03:32 - Test and THEN create
05:29 - Do the Hard things in life early
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal. This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!

[@nischa]

CleanMyMac Black Friday offer - Code 'NISCHA30' gets you 30% off! bit.ly/NISCHA30 See you in a few weeks :)

[@merch123456]

Hello Nischa. Are you planning any in person sessions in London? If so what would the charge be and where is it?

[@matthewdeanl5884]

I'm in Pearland, Texas. lets create some bloodlines together

[@normanchetsanga1687]

"DO THE HARD THINGS IN LIFE EARLY" Completely resonates I must say

[@DadThinkBigger]

When she said it doesn't have to start as a masterpiece I felt that just start and get it into the hands of the users they will tell you what you need to know!

[@shawnmclean7707]

Too many people expect perfection. That’s why you hear about MVP (minimum viable product) in tech. Just ship it to your users and let them dictate what you do next.

[@DadThinkBigger]

@@shawnmclean7707 exactly there’s a niche for literally everything if you just start you’ll find people that love whatever it is you do just as much

[@vechnovoblakach9642]

I think what I like most about Nischa is how encouraging and kind she is. Money is a difficult topic for me and it often makes me feel vulnerable. But when I listen to Nischa, I never feel judged and put down. Instead, I feel motivated to move forward and do what I can. I am so grateful for all the valuable information and advice

[@sarahdavies802]

I completely agree. Because of Nischa my finances are in a better position, my motivation to succeed in work is off the scale, and the most rewarding of all is that my 14 year old son has become an avid watcher. Young children often don't listen to parents' suggestions or tips, so I am proud that he watches these videos and is starting to ask questions about his monetary future.

[@TheFinancialCorgi]

I've spend so much time in analysis paralysis!

[@kathieleger8839]

I love the "Sould I accept this opportunity" scheme. Thank you Nischa.

[@melodygardner]

Enjoy your time away to detox your mind...'tis the season. 🎄 You are providing a great service by precisely dissecting the "how" of the finance industry's inner workings away from the emotional value judgments that have been long associated with money meant to keep people small. This action provides people with education and freedom in one fell swoop. Just like compounding interest on small actions or small amounts of money adds up to a massive amount of progress over time, your videos are a bite by bite primer on how to cut through the fluff and take your own personal power back. This is fabulous and I can already see this becoming the foundation of your legacy.

[@yazmeister93]

After being an avid viewer of the videos uploaded by Nischa, I’ve learnt a lot and I see money in a whole new way. Thank you for the useful videos and keep going 😊

[@ATBFinancialFreedom]

Money definitely doesn't equal happiness! I am so grateful that I learned this lesson early enough to make the necessary mindset shifts to create more time to enjoy life as I work on my career and achieve my personal goals one step at a time. Thank you for such an insightful video. I really enjoy your content.

[@lilyak5574]

Such a great and useful ideas🙏🏻 thank you for this video and all your great content

[@jacobbenivamondez4460]

You are gifted with words of wisdom. The way you explain is on another level.

[@kimmykero2421]

So true about doing the hard and risky things earlier in life, cause you'd absolutely have time to recover. I missed this opportunity and still tried doing something I really wanted to later in life...I'm being forced to recover much later in life, but getting there. Thanks Nischa!

[@ilkka9385]

Thanks again for the video. The first point is very relevant to me right now, as I need to make a decision on promotion, but I'm going to say yes, as the salary increase will be just the right amount to get me to a sweet spot of monthly necessities/fun/investments/savings, and I have already done the new tasks half-time for 4 months, so I know I would like it full-time also. Second point reminds me of a saying "Done is better than perfect." ;) Have a nice time out :)

[@sarahatheer2795]

I agree with nischa, it’s never easy to take risks. And it will always be a missed opportunity if one doesn’t do it

[@s22384]

You've changed my life in so many ways you have no idea! Thank you Nischa :) x

[@JmsAlds]

Thank you again, you started by saying about there is a level of income that allows for a good level of happiness. As someone who gave up their teaching job at 55 and moved to France to have a better quality of life I have been considering ways of adding to my sufficient income. Your comment about doing something, even if it isn't perfect, really helped resolve something for me and has been another brick you have provided in the new life I am building for myself. Have a good break, I look forward to videos when you return.

[@robwaz1547]

Happy holidays, see you in the new year, enjoy and relax, reset till we meet again.

[@kwabenaagyareyeboah6924]

Dear Nischa, thank you for all that you give. I hope that this world is kind to you.

[@ushaiyer2409]

Promotions don't only mean extra time and money. Where I worked it also might mean that I had to be subordinate to a colleague some time later. Promotions also gave me an opportunity to put my ideas into practice. And I enjoyed the challenges. Would I have done anything differently? I don't know. At that time and being the person I was, may be No. But I only wish I had met advisers like you earlier, so I would have saved more. Thank you for your videos and your clear messages.

[@dpak3299]

Full of wisdom and practical advice. Thanks Nischa. I definitely find myself getting caught up in squeezing in the most prestigious job that pays the most instead of also considering the effects of those jobs on my happiness. Great model.

[@madalenafpereira]

Have a great year end, Nischa!

[@regtalkswealth]

Money definitely doesn't buy happiness what matters is making sure the basics are taken care of and your happy internally add some investing on that and you've started a beautiful journey 😊

[@juliat50]

Thats cope. As someone retired at 50, having a 2nd home in Tenerife, money does buy happiness.

[@tamasvadoc476]

Hi @nischa I'd like to wish you a good recharge, you certainly deserve it. You have been providing valuable content consistently and that is something that got your channel to where it is now and will keep you rising. In the end of your video, you asked for some topics about potential future videos which then you might take into consideration, so I'd like to provide some ideas that I would personally watch: -Struggling with procrastination and the "cure" for it -Your personal 2024 resolutions -You looking back at your 2023 - what did you achieve, where's the room for improvement, etc. -A little sneak peak into what businesses you failed and how you recovered - it's just "nice" to see examples that no matter how much effort and time you put into something, failure is inevitable but recovering from it will eventually provide a bigger value than succeeding -Balancing your life to both succeed professionally and avoid burning out (all those side hustles and ridiculous working hours) Thank you!

[@slick1737]

love that saying, "Putting in the hard work now, makes life easier".

[@Kuestech]

Thank you so much for sharing your valuable thoughts.... Enjoy the holidays, will be excitedly waiting for you!

[@Urmomlolllllll]

Sheen took the words out of my mouth….video journal snippets when you hit 1 mill….. pleeeeeeeaaaaaaaase ❤

[@suffiasadar7048]

I did Nishas 3 day work shop.Sooooo easy yet impactful.Just opened up an investment account for myself and my 5 year old…cos starting small matter 🎉

[@TharlesJones-dg4kp]

Good vídeo as always, I watch your videos to learn about personal development and to improve my English too. Greetings from Brazil, I wish all the best for you.

[@marybatiancila5984]

I love all the things you've said in this video❤

[@jessicawillis658]

Good for you for taking some time off!! Thank you for your content!! You are fantastic! 👏

[@kirstyrayner3549]

Hi Nischa, I would love to know your tips and tricks for professional services businesses that are facing cash flow struggles for the first time.

[@shireenkhan7569]

Hey...love watching your video...by the way...can you please tell me which camera 📸 do you use ?

[@ankitjaiswal6623]

Hi Nischa, I could not attend your money making webinar since I had exams going on. now I wish to watch it is there any recordings available of the same.

[@LearnGermanwithMarzipanfrau]

Your flow chart is very good. I already was working in a better paid job and had to slow down a little bit, because it wasn't good for my mental health. Have a nice vacation!

[@MICHAEL-xr9yx]

Solid points!! Thank you, Nischa 🙏🏿💕

[@Anjaxo]

Hi Nischa, do you have any money related podcasts you can recommend?

[@bkiransf]

Hi Nicha is there any video on retirement plans Am particularly looking for IUL what r your thoughts

[@latrellsprewell1134]

Thanks dear! Lots a love!

[@wildfiyahworld]

this is a great video, along with the rest of the content - learnt so much from your channel, what you give is invaluable! grateful for all that you give in this space. enjoy your break :)

[@LKDelahunty]

I had to go watch one of your earliest videos.... I don't think there's anything at all to be embarrassed about!! Sure, it wasn't as "professional" as your current videos, but it was very well done. You are very well spoken and your info is still good. Just the aesthetics of the videos have improved.

[@claudiosuriano]

This resonates completely and perfectly with me and with what you can do in music!

[@DadThinkBigger]

See you in a few weeks enjoy your time !

[@seantormey3531]

Enjoy your holiday and have a good time.

[@user-jv2dz6jc5j]

Way to go, Nischa

[@Malithi-P]

Hi Nischa, I’m not sure whether you have made a video about Shared ownership in property?. I’m really confused about how it’s calculated and need your advice please? x

[@abuabdulh]

Thank you for all the videos ...... enjoy you time off

[@kriskah2348]

Nischa can you do a video on Trusts Vs Will for UK please. 🇬🇧

[@LissetteCRamirez]

I'm grateful I found your channel. Thank you so much!!!

[@Italianized_]

Good stuff! And yes, you did it great! Some people are trying out these things at 40 or maybe 50, but… it is never too late! 🙂

[@aspublic]

I believe the framework also applies to expenses other than to new opportunities: if it doesn’t make you happy, just drop it

[@ayushvarshney357]

thanks for such an inspiring video

[@aartiebhwnbhk1270]

I wish you a couple of delightful weeks to recharge. Thank you for the course I could attend for free this week. I look forward to your new content when you return

[@g.burney4714]

Miss Nischa is it possible for you to do a video for those of your subscribers who are older on how to catch up on retirement? Know I’m only one person but so many people in the United States are literally living from paycheck to paycheck and a lot of them are seniors. And also want to ask is really to late to start over when you become a certain age? Thank you for reading this blessings to you and family

[@obere7999]

Nice content as always. Thanks

[@shireenkhan7569]

Hey! I love watching your videos I have a question.....do you think, you started the YT channel at the right time? Was it planned? Or you should have done it earlier. 😅 Just curious. Thanks for the wonderful video❤

[@RegiTheIslandBoy]

Merry Christmas 🎉

[@MarkusBlue]

Wow… nischa you saved us like 20 years! Thank you!!!

[@BB-ux5wd]

Hi Nischa, what did you get your degree in ? Accounting or finance ?

[@andybakr]

Nice, a great video Nischa, thank you for putting it together and have great time of

[@sheldonwest6075]

appreciate the consistency you put out with this channel !

[@liamloughhead6687]

Nischa is it possible to make a video on banks that you use or recommend? I.e best current accounts / saving accounts, most ethical banks etc?, I’m struggling to settle down with a singular bank. Right now I bank fully with Chase.

[@andrewstorm8240]

Great background and useful advice about MVP

[@elena.corsiglia]

Love this! Would you consider making a video where you take us through all your previous ventures / side hustles you had before making it on KZbin? Thanks for all your videos!

[@faizeeee1]

Spot on about the analysis paralysis. I'm witness to such startups

[@israelshuan9999]

Hi, have you and your sister redo the app since it didn't work? Especially because you do know what the market is now and how to be successful. Just curious

[@molamolalaaa2968]

Nischa, you've forgotten the end card. There were no videos where your fingers were pointing. 😆 It was funny and I loved it! These little hiccups made you so much more relatable. I have watched a lot of channels in this niche, and your program is the only one I bought because of how genuine and approachable you are.

[@faithnotsight2727]

Totally agree 😊

[@davidgates5189]

0:21 omg... just when I stupidly think that I know everything... I hear something like this with so much value in 1 sentence..

[@1matim]

thanks, good video

[@drnicolebeaumont7884]

Thank you🎉

[@shulamitequeen]

👋🏽, enjoy your break Nischa (sml) sharing your knowledge- blessings

[@hanvika2221]

Money can't happiness Truth.But buy seeing money people will get respect and fame and will become enemy to others also.

[@nilshah6521]

Hello Nischa Excellent video Thanks

[@cecileho1992]

If you're saving for short-term things like a yearly holiday, what's the best account for those savings?

[@aliyyah82]

Stunning videography!

[@user-om1kw7cm1q]

hi Nischa i heard in one of your video that you were not paying tax in your placement year, can you please guid us the process of tax wavier in you placement year from your salary. in UK

[@akash_a_desai]

Telll us how to do or reach fir collaboration with this brands

[@helencarlesjo7969]

Thank ypu so much for today and also for the 3- day course this week, I really enjoyed it. Enjoy your time off🥰

[@danmccurry3810]

Thanks for sharing practical relevant financial advice, with a quality of life balance. Happy holidays!

[@shivangisharma354]

A video on how to build a personal brand

[@tnachkebia]

Should I consider investments as savings?

[@Abdul_Rahman86]

My problem was alcohol. I loved partying and drinking.

[@imWillJ]

money is fun 🥰

[@dt-qh2cj]

Enjoy your holidays! More about ‘analysis paralyses’ would be good --How to recognize it, levels of risk vs putting up your own friction stops. Books and podcasts that help you?

[@49ersalltheway]

Great video, I would also add that in your 20's, you have considerably more energy to work on those risky projects, while keeping your day job

[@MB-gd6be]

smart woman. squeezes in an ad without saying, here's an ad.

[@oonameade-fx3jl]

N~ I appreciate you, your content & the fee workshop you offered. Thank you. I am curious, what are your thoughts on Life Insurance Policy products, as a way to grow non taxable income? In Appreciation, Oona⚜️

[@oonameade-fx3jl]

Okay, how shall I follow up?

[@oonameade-fx3jl]

LOL… I realize I mis~typed fee & meant free… curious, shall I e~mail, re: the question regarding Life Insurance Products & income growth? In Appreciation, O⚜️

[@7Jamal8]

Awesomeeeee

[@damansingh7402]

Hi Nischa, well done with your growth. Any time you are in Germany please reach out to us. BHASIN Restaurant in Cologne, Germany. Best regards Damandeep Singh Bhasin

[@daveyt4802]

Money seems to give you better options. If your job negatively effects your health, it's not worth it ever IMO.

[@arishsaif4427]

Unsurpassed ❤

[@Diveshify]

No New Video Yet? It Has Been Two Weeks Now.

[@IvanBetancourt-pm6pl]

What long term investments do you hope to achieve so that you don’t have to hustle as hard in the future?

[@G.isforGrowth]

@nischa id love to create an app! Id love a video in more detail about that

[@sureshrasu7336]

Hi

[@Buy_YouTube_Views_Gain_Fame_7]

I feel like I just had a therapy session, but better. Thanks!

[@Erikkurilla01]

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run.

[@wiggumo]

No video today?

[@vanessarealrose5919]

Thank you for these videos Nischa, thanks to them I now invest in SP 500 and am currently looking for a new job and all inspired by you. 🥰

[@maxmeggeneder8935]

Take that time and enjoy it. Thank you for all the very helpful content you put out!

[@navjotsandhu1916]

I disagree with first law ; most of r not happy , do not enjoy work, job isn’t fulfilling n we don’t have flexibility n. We r making some1, else so might as well take some extra money while doing it