5 Financial Tips For You Broke Turds

[@CoreyChrapkowski]

I'm an army veteran, living in a very remote region in north eastern Montana, I'm financially broke but no complaints. There is no work in my area. I choose not to leave my mother and grandmother and aunt undefended. Currently brainstorming to start a business here that will not only survive, but hopefully become profitable to my community, my family and lastly myself.

[@TPFB129]

Amen, my brother, friend, and countryman in our Lord. I will pray for you all, as well as the prosperity of your community.

[@micclay]

Isn't there plenty of oilfield work there?

[@Kolthangsproductions]

Multiple small businesses

[@SaraJade-dr3hd]

Just a suggestion, a dream I had that I cannot afford to do yet but hope to God one day I can. I will still share with others because many can benefit from the very same idea and it will help vets. I am almost 50 now and I have been robbed and taken advantage of. But I always keep my hope that God will provide so I can have my dream one day. Maybe I won't get to do it this side of heaven but maybe those in a position to do so can. Because this can help lots of people. If you have land, say 20 acres or more. (You can probably do it with less); you can subdivide it into sections. Let's say 5 acres or even 2. For me I was thinking 10 so people have their own space. You use that land for a veteran's community. (fancy word for trailer park). A lot of the vets live in trailer parks and the landowner sells the land right out from under them. It is sad. Then the new owner takes over the trailer park and hikes the prices up so the vets end up having to abandon their trailer because they cant afford to move it and become homeless. This isn't always the case, but we have a lot of homeless vets. These trailer parks end up becoming something else over the years too. To avoid that, you have contracts. Lets say a vet moves in and they pass away, their trailer will become part of an estate. You sell it to the next vet and that money goes to whoever the deceased vet wanted it to go to. That way the community always stays a vets community. Keep the land rent at $300 or less for their trailer. (I looked up some of the land prices in my area, and it is anywhere from $600-$1200 a space-to me that's ridiculous) But being realistic you still have to charge for trash water etc so 300 a space should handle it. Not sure, I am guessing. Maybe even buy a couple trailers and rent them to vets. But no matter what always keep it a vet community. You can even have a section for widows (God says take care of the widows). They have those barn sheds you can turn into a gym or clubhouse. I love to cook for people. My grandmother did it. We had a ranch on 40 acres and two 18 foot long tables and would invite family friends over to celebrate and share a meal. We raised the American flag every Sunday. I miss it but have no family to do that for. So I thought vets. I could do that for vets. They would appreciate it and I can show my appreciation for them by cooking for them. And think about it. When SHTF you have a bunch of armed dudes. LOL Just a thought. But if we had land owners out their who supported the constitution we can give back and protect our vets.

[@paulis7319]

I'm in the same shoes, and decided to become a gunsmith because there's no competition around here and everyone has guns they need worked on. The only other "local" gunsmith is almost an hour away and only does finishes...no repairs or cleaning.

[@Minuteman762]

Staying out of debt is so important.

[@chrisbelsito4231]

I personally learned my lesson in 2008.. I was making good money and spending it as fast as it came in!! Didn’t think it would end.. well, it ended!! I’m not rich but I’m comfortable enough.. I owe some on my house but that’s it.

[@tripleceas]

Agreed. if you’re in debt, getting to net $0 is an accomplishment. Then keep going

[@1611KJV]

My outlook: Investing in myself to pass the CPA and work towards becoming a manager in Accounting for my family. Over 15k in various CC’s I’m working to pay down. But once that’s gone, Lord willing, I’ll never use a CC for an in necessary purchase again.

[@NCrdwlf]

That is literally it . Without debt , you have money . A lot of it

[@Financial_Awareness]

This is the way.

[@Max_Ivanov_Pro]

Living below your means is crucial, especially in these uncertain times. Thanks for the reminder!

[@evildeebee]

What's uncertain about them?

[@g.k.dickenson9259]

Best advice in a nutshell!

[@cantwealljustgetalong2]

julias sexy as hell 😮

[@cantwealljustgetalong2]

julia is gorgeous

[@THEBOXFATHER]

I don't want much outside of great health, awesome family, refined skills and a clear connection to the Creator. Bless up everyone! 🙏

[@egomaniac247]

Amen to this. If you ain’t pulling over 250-300k+ you don’t have any business buying a 70k+ truck

[@BostonEMT]

$70k will get you a USED truck...

[@DeportillegalAliens]

Well if your homes paid off and got enough in retirement then half your yearly income can be spent on vehicle at least according to Dave Ramsey..so if you have all thst in order 140 k = 70k truck

[@that1electrician]

@@DeportillegalAliens Gross pay or take home pay 🤓 Cause that could mean the difference between a fully loaded Raptor and a used 2014 Silverado for a lot of us.

[@kurtymaccheese9523]

​@@BostonEMT yep, Bidenomics though!

[@kurtymaccheese9523]

​@@DeportillegalAliens140k becomes 80k after taxes.

[@JC-xg5os]

Your health is your true wealth. Live a healthy, sustainable lifestyle. It doesn’t matter how much stuff, money, & skills you have. If you’re sick & or injured your skills & stuff will degrade & your money will be spent quickly.

[@egomaniac247]

Absolutely positively this. I make good money but had a health scare in 2021 and let me tell you, at that time I would have given every dollar I had in exchange for health and more time with my wife. Thank God it was a false alarm but the silver lining was God taught me a lesson in life. I’ve never been the same since.

[@MRTEE-sy7sb]

Most can walk and chew gum at the same time

[@bfranco1519]

Truth!

[@Wolfwolveswolf]

A person, even people in numbers, can in the process of doing illegal actions, even while working for a company, they can destroy both our mind, and our health- of we being a so called U.S. Citizens- they can even kill people/friends- toss peanuts for it- the daily hell of constant Pain that then begins- never ends (took 25 years after 18 years old [ 44+ years ago when 18 years old ]- able to- to start on work on my writing making sense to read. the one success I accomplished out of nothing else all due to the illegal stranger, and the illegal doing strangers partner in crime- this System [ U.S. Government, UNDERWORLD SATANISTS GOVERNMENT or UNITED SATANISTS GOVERNMENT, (both State & Federal, they do NOT work for we the people ], and this government, the legal system, they too will trash us- help more illegal doers not even from this land- while trashing us born in this land so called citizens having been born here [ NOT referring to the POLICE, as they are the ones who did a good job, wasn't for the *POLICE-* I'd be even far worse off what this System would have then done to my friends, and self for doing nothing wrong- most likely not even be here like my two friends got in the whole deal- as the System, and people, cared for the company with an illegal doing worker who caused it all, both not even from this so called- *UNITED STATES Country { People will have to fight to get the real deal of a UNITED STATES Country existing again- or if it ever Truly did exist somewhere long, long, ago }])* (also won't blame Medical, as they are controlled- told lies- made to obey lies- to do as told, or Family Members or their self to have very deadly accidents [ NOT at all joking ]- being controlled by the System which actually Rules us even here on North America Land; though yes a good number just side with the System being paid well, but not all are like the sell out Doctors in many areas of this society now). Yes there are also the many big lies we are fed, led to believe when we are young- on up all for the System- that does not care if our Lives are destroyed, or killed. The lies we are fed intentionally, as if they the absolute 100% solid proven Truth- back by- science(?), though NOT at all the Truth. Why I tell people- *BEWARE PEOPLE-* this Ruling System may target you next, targeted possibly after illegal doers first do a dirty deed for their System, where then if one of the survivors- a citizens of this Land will still have both our mind, and our health trashed- possibly to have Pain all the time for how one will be physically trashed- where they then leave you to suffer with all the useless non-working things, non working Medicines, and they keep from us the one already proven to work Medicine- know for an already well proven fact, but they lie about it, and keep it from us to destroy our Lives- while selling street drugs also- for which is the reason I believe the Biden gang gave the enemy Taliban billions of dollars of the GREAT MILITARY'S Equipment to the enemy Taliban, as they still owed them dearly for all the Opium the System/Biden gang purchased from the "enemy" Taliban for future decades of world wide street drug sales, and any people in the System suffering Severe Chronic Pain Illnesses for which Opiate Medicine works- as it DOES WORK for certain kinds- not all kinds, but no reason to keep it from the kinds it does work for which they do- being evil- yet I am sure their System Members in Severe Chronic Pain Illnesses get Time Release Opiate Medicine which works- being the only People they care about in this System of North America Rule- both their upper & lower 2 North America Sects of Rule for the evil System- with many Sects of Rule across their earth/upper-made-level-of-hell-by-the-System, being they are all dedicated Luciferians- whether actual Members, or workers who they pay well- here on their System's upper-made-level-of-hell-by-the-System/earth. *Again BEWARE PEOPLE-* that you too are not the next targeted person for this upper-made-level-of-hell-by-the-System/earth, as this System believes this is their earth/upper-made-level-of-hell-by-the-System, which Rules us, and they do NOT work for us, nor do they care about us (just look at how much they protect the border- the so called President- I believe is an actual in our face by the System- laughing at us- internally destroying us- just like they do to we people they target all the time with inhumane deeds they do to we people- we are already a subjugated people in many ways). *Again- BEWARE PEOPLE!* *Again- BEWARE PEOPLE!* (4-)

[@Wolfwolveswolf]

I am NOT arguing at all with the video, my point is to do like he says, as this System can destroy us before our adult Life even starts, and anywhere in between, as their System does NOT work for we the people at all, it is all for the System, being also for no such UNITED STATES Country, being I believe it is to the System all part of the big con- being one of their many huge cons pulled on we the people/citizens (a grand, deceptive, illusion).

[@DomesticTruther]

Just got hired in to a new job today. I've been in the dumps for years. I owe my victories to God, my family, and people like you. Thanks Chadd. Prayers for you and yours

[@rickyalvarez5903]

Good for you.

[@parisford2020]

ya, god helps u but he lets millions of people suffer everyday. good take. lol

[@blessedmamags7796]

Hallelujah. Tithe without delay. Covenant with God.

[@foggymountainman9138]

My folks passed away when I was fourteen, Which left me homeless and living in a Old hay barn for over a year. The last thing my old man told me before he died Was learn a trade, di not take unfair advantage of no man and don't let no man take unfair advantage of me. So I walked around and knocked on doors,asking for handyman jobs at two dollars an hour. I work hard and i'm still a handy man now 42 years later. I pay cash for What I need or want. Otherwise i do without it. And yes, tangible assets Is definitely the way to go. And yes my little homestead is paid for. AND I HAVE NEVR HAD A CREDIT CARD IN MY LIFE!!!

[@paulnicholson8524]

Same here

[@faithismespeaks6848]

@@paulnicholson8524 < I'm proud of you guys, but you do know they fully intend on getting rid of cash right? Then what will you do, you will have one of two choices. Go along to get along so you can continue to survive in their system, or you will do what's right and refuse to go along with their system. Sounds to me like it's going to be more of a moral choice, than a financial one. Think about it, how will "Gods" people survive with one leg in their system, while the other leg is trying to stay in Gods system. You can't serve two masters, so how would you profit in anything, other than bartering, which would mean a rather contrived set of variable rules wouldn't it.

[@live_fit1999]

Sorry that happened to you you're very inspiring and hope you continue to share you're story just gave me more motivation to never give up

[@kristoffMR]

Credit cards are traps for ignorant! And it shows here in the US how many are plain ignorant when it comes to credit cards!

[@MH3GL]

Hats off to ya 🎩 In this day, that is an accomplishment to be proud of 👍

[@claytonmarkin7863]

Being truly happy with what you have is such a blessing. If you can find a way to love your 2005 Scion XB with 210k miles and the same way someone else loves their BMW, then life will just be overall easier.

[@OWilliams-s4x]

I am a 70 year old veteran, in North Idaho, I own my home, all of my 4 vehicles, and I have been a millionaire twice over. It amuses me that you call me a turd, because even though I don't have any debts, I 'm still basically broke. The medical industry and bad decisions made me broke. I have already done everything, enjoyed everything, that most people can even dream of, you are still in the prime of your life. I respect and admire you, I know what it takes to be a SEAL., because I am Navy. You helped me better understand Christianity and I thank you for that, but don't forget that age is an equalizer. I don't think 90 percent of America could ever be like you, but I am thankful for you and chili. God bless you!

[@Wesmancan]

We never truly own anything.

[@poacher7805]

I agree with all five but I need to add a 6th. "STOP BUYING LOTTERY TICKETS " it's a tax on the stupid!

[@andrewramish9092]

Agreed 😂

[@freebird1ification]

the romans figured out this ponzi scheem along time ago and folks still fall for it

[@dhlong1697]

Or keno at the day drinking bar. Losses offset the cheap beer savings

[@sealer3553]

Yup. You could buy a million bucks worth of tickets, and not win a dime. Put another way you could buy a ticket every day for 100 years totalling 36,500 tickets, and not win anything.

[@benh7]

Yes but lots of smart people lost money in real estate on the 2008 crash. I wonder if Chad went through that and still made money - I doubt it

[@PerkVerse]

Thank you. "Stop buying things you can't afford". Aint that the truth. People are in debt for borrowing and a slave to the lender.

[@notyourfallguydaddyorson6835]

As he encourages you to buy a hat and shirt from his store for $60.

[@evildeebee]

@@notyourfallguydaddyorson6835 I know right lmao

[@dr.froghopper6711]

I ain’t broke but I don’t have a ton of spare cash hanging around. But I don’t go anywhere or do anything to spend my money unnecessarily. God provides everything I need. I’m a farmer even though my land is very small. I have chickens and turkeys and ducks. I’m growing a garden in the Upper Chihuahuan Desert of New Mexico. I strive to be a generous giver. I’m planting seeds. I’m always learning new skills. I’m a dedicated nerd.

[@sirmagnus99]

NM is tough desert. I got chickens and bees, sometimes sheep and goats. If I can keep this stuff alive in the desert I don't worry about prices so much.

[@dertythegrower]

the team of Paragraphic shows a few farms out there.. you would be surprised how many farms are possible in the southwest desert area... even aquaponics

[@sirmagnus99]

I would love to set a tilapia aquarium and indoor garden combo. Seems super neat but no idea if it's actually a good idea. Obviously not for my consumption, veggies are my food's food. 🥩🍗🍖🥓

[@Scoutem12]

I’m not financially wealthy but I keep my bills paid and any extra I have I get satisfaction helping others who are sick. I’m helping young mother who is now paying price for living her life by the bottle and drugs. Before her I helped a drug addict get off drugs now she thanks me for giving her a safe place to live. Before that I cared for my ex husband who passed 3 years ago before I took care of my dad every day for two years until passed from gangrene. I live my life doing what I want for others. You don’t have to wait until life isn’t hard before you decide to be happy. Nuff said

[@kapral791]

God Bless

[@TheBeatenPaths]

I used to complain about being broke. I turned off the TV in the evenings and made $10k last Summer mowing lawns. And that was on top of my 40h/w job. DO THE WORK.

[@Water673]

Everything is mental

[@TheBeatenPaths]

@@Water673 .....and laziness

[@sergiolandz6056]

sadly when i get back home from work im dead, im sleeping by 7:30 - 8:00pm, have to get up at 4:30am to go to work in the woods and you dont have energy left to mow grass after a long days in the woods.

[@TheBeatenPaths]

@@sergiolandz6056 How old are you and what exactly do you do in the woods?

[@crazypinkchick5557]

Chadd I must say, I was shocked by this Truck talk because I have been such a big supporter of u and the 3 of 7 project but of some of your comments were very harsh and u came across judgemental, full of pride and ego ! And not everything u said was harsh and wrong but alot was. Some was fair and good advice. We must remember people don't ask to have most of their health problems and limitations, mental health problems, or disabilities and these issues lead usually to financial disadvantage and lots of other problems. These people r not 'broke turds' as u call them, they r people that survive horrible situations they cannot control as best they can and need empathy not tough love or criticism ! 💗💗💗🙏🙏🙏

[@TheBrandonbates]

Finally outlived the problems I made for myself. Free and clear now.

[@chrisfournier6144]

That’s a great way to put it in words!

[@bravotwozero535]

I can’t argue with any of those principles. Getting over the fact that we are punished for earning more is really the hardest part.

[@edackley8595]

Friend, if you don't know how to make money without the tax man involved, you're either young or stupid.

[@UrNotThatGuyPal]

No Chad…. 58% of Americans have less than $1000 in their savings account.

[@jmo82592]

I just don't trust banks. They are not storing my money, I am lending it to them. Not an actual savings account.

[@Sandhill1988]

Yes that's true, sad but true. And then they have a $70000 pick up truck that there making payments on sitting in the driveway next to their mobile home. The fact is most Americans nowadays are living paycheck to paycheck, literally one pay check away from a complete collapse.

[@CIVILDEFENSEBUNKER]

Shit like 75$ bucks maybe.....but all my bills are paid and i have a 768 credit score

[@tdublove9558]

​@ResidentEvilUBC 7k in my account with 806 credit score just keep plugging away you'll get there ❤

[@heatheruntz5315]

I have $5 in my savings lol

[@theprepperrevelator]

Hey Brother, A whole lot of wisdom in your words, but they don’t fit everyone! Some people have tremendous losses in their lives that have impacted them financially! I was 22 and held my daughter in my arms as her heart stopped beating! As I’ve gotten older I now have an autistic grandson that needed me to be there for him! It was a choice that I made and it cost me significantly but it was absolutely worth it! Now I’m older and I’m trying to dig out of hole. My point is if you haven’t walked in someone else’s shoes be careful in how harsh you speak because you have no idea the pain they may have endured! Be careful with your pride and talking down to others because God has a way of putting people in check! Much love keep up the great work! In service to the King, Rick

[@brianwhitley]

100% CORRECT He dont have a clue ... Coming from someone that has a big platform here on KZbin bragging about in one of his past videos on how much Cryptocurrency he has, Charlie Daniels said it best poor man goes to work and the rich man goes to college. Most of the paths that we take or make in life is due to the cards that was dealt, When your disabled with zero left from your check after paying bills and still haven't covered them all I guess that's where the DREAM Big come in Or make the right choice or rely on a SKILL that was taken from me due to medical reason.... SMH Or maybe I need to GIVE and SHOP LOCALLY with money I don't have . I am sure I have worked in the past as hard if not harder CHAD always took 5 steps forward and fell right back into it ,,,, never could get ahead no matter the Choice. The Dream. Plan. Credit, Always Shop Local. Did have the money to buy Homes Land done good to rent one... Or guns ammo its easy to sit there and blow your on self esteem out your truck widow or jeep which isn't a truck by the way.

[@harpjason208]

"broke turds" isn't you...... He isn't speaking to you. You obviously endured heartbreak and and struggle most haven't. Those things put you in this situation and some of your choices, benevolent as they may be, contributed to your current financial situation as well. Chad is speaking more as a coach and cheerleader than with pride and arrogance. Least that is my opinion. Figure out you situation and get busy on fixing it. That is the only thing you can do. 💪💪

[@STAGG4570]

I began watching watching this channel about 6 months ago. At first I was like this is a good dude, which I think he still is. I do however think that he is fortunate in that he is making money off of us watching his videos, etc. That being said I am overweight and have had weight problems my entire life. It runs in the family. I think he has good intentions, however I don't appreciate him portraying overweight people as people who shouldn't be alive as well as referring to all of us as TURDS. Seriously calling someone you are making money from watching your videos a TURD. I've been called worse but not from someone I don't know. I'm not thin skinned or a bit&h but I want motivation not scornful exultation(insultation). I'm also not going to purchase some expensive protein powder or buy a t-shirt or hat after just getting called a TURD!!!

[@scottramsay335]

Hearing a sermon from the point of view of Proverbs doesn't bother me...the general rules of how things generally work. Obviously Ecclesiastes & Job are the exceptions to the general rules. If you can use what he said, or Proverbs, then use it today. If you can't use what he said today, then dismiss it.

[@sunshinegirl1217]

​@@STAGG4570you're not familiar with military people are you? it isn't a slam.

[@josephsteed2447]

Just came upon this channel and couldn't agree more. Being broke is a choice. Being financially sound is a choice. I live a life of having what I want because I made a decision long ago not to live as others live. I chose to work hard, to spend little, to invest in real estate, to invest in myself by learning skills which paid well, to pay special attention to my health and to my physical well being. I'm debt free to the pioint of owing not even a favor, have money I haven't even counted, weigh what I weighed as a 21-year-old and am as strong as the same and take no meds because I have no medical issues. I'm 71. I live a life far beyond rich. I live a life of wealth. It's a choice.

[@heatheruntz5315]

I am one of those broke people, and I agree that I am in this situation because of my bad decisions. I came back from deployment and couldn't make the noise stop so I chose to drugs, ended up getting strung out on heroin and homeless. I have been clean 6 years and I am still digging myself out of the hole. I have a my own place and a car that is paid off nothing fancy I paid $3700 for it. My job is not the best but I am trying to move up or find something that pays better, I'm notva felon but I have been arrested about 12 times and that shuts alot of doors. I also agree with what you said about not buying stupid shit we don't need and I don't do that.

[@konaken1035]

Good job... not easy... I salute your achievement. Peace love and harmony to you and the world.

[@robertoluis9238]

FROM BOLIVIA----GODS GRACE ON YOU AND YOURS.

[@ptgtdcr]

Good for you brother. That's a hell of an achievement. Lost alot of friends I thought were strong... H took them... only one survived it... he's 4 years clean and is a changed man. I thought I would never see my best friend grow old. Stay 💪

[@jewelrymaker1607]

God on ya!!!

[@PreppedNReady]

Good job man. I’m a felon, spent five years of my twenties in prison, and I’m an inspector in nuclear plants and refineries. You can get a good job. Don’t ever let no one tell you u can’t

[@alexhendrick8288]

No debt no fluff no idiot friends no problems

[@brianchandler7118]

Inflation is real. And for a 24 ur old with no one to co-sign and a $25/hr job with 40plus hours a week I barely am able to keep back $500. My rent and utilities have gone up a gross $700 a month from three years ago.. we’re trying man but it is hard for some people in some places

[@HolyJawbone]

@@reptardmthyperblablevan life is just luxury homeless

[@somebb]

You're right. Therefore you need to make more money. Go to school, get a different job or go up the ladder.

[@KipKil1igan]

Yep. Chad is way off the mark with this video. Theres a BIG difference between people with access to wealth and are irresponsible with it and the majority of ppl who are struggling with inflation. Dude lives in a fairytale. I know people working multiple jobs and with inflation and profiteering are still struggling.

[@jamess4351]

😂yeah man. It like I wrote this!!!

[@acebrigade9586]

​@@reptardmthyperblablevote with your wallet

[@qooj1202]

Thumb up from Taiwan. This video is really helpful and inspiring again! You reap what you sow. Many people are spoiled like babies, especially during the pandemic. Taiwan government has done too much to help the people, however, many of them keep complaining this and that without reflecting on themselves. I like to put my fate and life in my own hands, becoming a person difficult to control by the government!

[@pamelawhite5036]

True words, 👏👏 my grandparents had a 300 acre farm, raised cattle & grew corn paid cash for EVERYTHING never owed anyone never had a credit card. Loved those 2 dearly ♥️. Great video. 👍👍

[@paulnicholson8524]

No cards 52

[@rdmiller901]

I totally agree with all you say. The only thing that really irritates me is that you never own your home even if you pay it off. I paid off my house and still had to pay $400 per month in county and city taxes. Sure, those taxes may be less out away from the cities but one thing stays the same. If you don’t pay your taxes they will take your home.

[@edwardelkins8723]

If you look into it you can look up alludial title if you own your home without a mortgage , you can do some legal work and get alludial title possibly don’t know all the details , just look it up, alludial is tax free. But there is no value to the home, you lose alludial status if you get a mortgage or if the house is out on a probate .

[@jewelrymaker1607]

Yes this!!!

[@csofo11]

The idea behind this is that you are living in the US and therefor your land is leased to you by the government. Taxes are suppose to be used to support the infrastructure around you that you use daily. It could be simply your road leading to your house. At the end of the day no one really owns anything in this world. We rent it and then one day we die and those things that are now yours becomes temporarily someone else's until they die. The only thing that doesn't die would be the land and government control of the land you currently have. That can die as well but then another country would own it. Currency, land, ownership - these are all of this world. The only thing you truly own, is yourself, you decisions, and your soul.

[@konaken1035]

Except for the part where you leave your worldly legacy to your heirs, family, et al. The gov is too heavy handed in taking a chunk of your legacy. Yes, I a work for the Kingdom of Heaven and am just trying to live 120 years in healthy happiness. Peace love and Harmony fellow human. @@csofo11

[@konaken1035]

... those bastards!!! Serfs vassals, lords and kings. we are now wage slaves... the illusion is fading.

[@donlalonde]

I think you should have "Turd Talk" along with truck talk.

[@zentrifuge9081]

As a young black man, raised by a single mother. The learning curve I’ve learned to embrace has been damn near soul crushing. However, my mind remains calm. My will remains unwavering. My pursuit of happiness and fulfillment forever burning. Skills are the core foundation of freedom. Jobs sustain and drain. Skills uplift and maintain.

[@msam565841]

Thanks!

[@janniejeanjellybean3803]

I’m thankful that both my parents believed in save for it. They lived their lives without ever having a credit card. All of us kids are the same~ Pay cash people.

[@Lex_Koncord]

Cash only is for people without willpower. Costco pays me to use their credit card…

[@jaroneaton8023]

While the principal is good, it’s practically not smart today. With a good credit score and income, it makes more sense to use a CC, while still being disciplined with spending.

[@4UnlimitedBEing]

Unfortunately, though, that is TERRIBLE advice, jellybean! Living that way KEEPS one perpetually broke, or just over broke. Get the financial education that wealthy people give to their kids to keep growing wealth. You cannot save your way to wealth. You cannot get wealthy by simply paying cash for everything or not buying unnecessary stuff. You've GOT to have investments that pay you, and that often means utilizing credit. Do the homework and learn about all kinds of investment options. Then make practice or pretend investments and learn as much as you can without putting in real money. Then start small and increase investments or commitments as you gain confidence. Learn to leverage OPM--other people's money--instead of your own "life savings." You can do it! (Oh, and if you've got your wages stuffed away in a 401K, PULL IT ALL OUT and self invest. Of course, you have to do your own research first, but a 401K is the WORST kind of retirement scam that's been foisted on us. Please, do your own homework on this and protect and grow the fruits of your labors and energy you've already given to some employer. Don't pay the exorbitant taxes later--they will NEVER shrink, only your savings will when you depend on it for daily living expenses.)

[@janniejeanjellybean3803]

@@jaroneaton8023 Example ~ Parents went to buy retirement home. No credit ~payed cash My brother financed his house for 15 Paid off in two years ~ The minimum required. For giggles he applied for a credit card. 250k limit was approved. I’m not as secure as my brother. I understand protecting a bank account with an appropriate card service for internet purchases. Proper use of a card is important. The old saying if you can’t pay cash don’t buy it applies. I don’t like the digital footprint. My credit rating is 819. I owe nothing ~ I’ve set auto pays for some things that I pay because of my debit card. Which offers a level of reaction time if I’ve been hacked at the ATM. Which happened. With cash? Nope. Everything is tracked. Every thing feeds the algorithms. Simply if you can’t afford cash. Don’t buy it. Keep a small expendable profile For most Americans this is hard and not the case… My momma taught me something too~ “Don’t waste your time wrestling a pig. “ The pigs just love it. And you end up dirty. Still grateful for my parents.

[@stinkasscat]

If you use credit cards, you gotta pay it off every month. That's the key to it and what gets so many people in trouble with them.

[@kuvshinikow]

Thanks for doing this brother. My wife and I have gone through several seasons over the years of accumulating wealth, losing it, and catching back up again. Life happens. Kids, medical expenses, mishaps, etc. Money comes and goes, but when you're a good steward of what the Good Lord has given you, he always provides. We've always been radically generous and given our first fruits, even when times were tough. If you're there now, PERSEVERE! Keep working your tail off, be grateful for what you DO have, do right by the Lord. He always keep his promises.

[@SCTitan06]

There are really three main rules long term: 1 - Maximize your income/income potential 2 - Minimize your spending 3 - Use excess income to build wealth/assets

[@lucian5304]

Well said brother.most people can't admit their money problems are just a reflection of their actions!

[@iamfr00tl00ps]

I was the same way for a while. Found Dave Ramsey and followed his "Baby Steps" a few years back. Absolutely life-changing. Thanks for the talk, Chadd!

[@tryintogetittogether460]

Its actually $500, not $5000 its alot hardwr for alot of ppl out here..

[@joannbrown2842]

I see a lot of people who don't have $5000 in cash but they could have more than that if they sold all that extra crap they don't need.

[@MrToad-actual]

Thank you, Chad. You are 100% correct. I have 4 children and am the sole provider of my household. We have much different situations brother. It’s going to take me many more years to achieve the same goals as you have. Keep your heads up and hand’s busy folks. We’ll get there if we choose too.

[@MrToad-actual]

@nomoreprospectingand nobody gives a rats behind fella

[@QualityControl3551]

Inflated egos can be deflated with reality……….you don’t know peoples situations, sudden losses of health, Etc……you never know what life might throw at you…..

[@truthreigns3465]

exactly

[@wjameswright]

Just found your channel brother and have to tell you how much I am enjoying it. My wife and I got unbroke about 3 years ago. Paid off ALL debt and got rid of credit cards. We dont own a house, we rent because of the stage we are in life and the cost of a house monthly would be more than we spend on rent. It gives us the freedom to travel or move without hassle. Deuteronomy 15:6 - If you are faithful in obeying God's commandments, you will be blessed and able to lend and not borrow. Deuteronomy 28:12 - You will lend to many nations but not have to borrow. Matthew 5:42 "Give to him who asks you, and from him who wants to borrow from you do not turn away.

[@kevincurry8350]

Man, everybody's situation is different. Some have it harder than others. Some people aren't as healthy as they once were. Some people have to take care of their families in one way or another. People have different issues going on in their lives. I get what your saying man, but maybe its the way you say it. You can't judge a person unless you have walked in their shoes. For everyone I know, its hard to get by these days. Maybe you have it better, but many people do not, and many of those people are good people. I try to be humble, and thankful for my family and having a roof over our heads. Other than that, I'm dead broke. I get you need income to survive, but money doesn't but my happiness. I have a wife and 3 kids. My youngest son is autistic, and man its a struggle. Sure I would be happy to have alot of money. But what would make me more happy, is to hear my son be able to talk, or tell me and my wife "I love you." Some things money can't buy. I know you mean well man, but you kinda sound arrogant. I'm not a snowflake, so anyone's replies won't hurt my feelings a bit. Just my opinion.

[@rufffamily333]

Agree that you can’t judge a person till you’ve walked in their shoes. Try reading Warrior Mom by Tracey Slepcevic & check out Dr. Dietrich Klinghardt’s site & protocols. They’ve both done amazing work w autism. All the best~

[@Wesmancan]

You lie in the bed you make. There is always a way up and or out.

[@dogsarefun2]

sold fireworks to neighborhood kids and delivered newspapers at age 14 -15. Part time job at 16, paid for technical school and never was without money. Always saved and spent wisely. No issues later in life.

[@DogtownTradingCo]

Proverbs 14:23 "All hard work brings a profit, but mere talk leads only to poverty." Proverbs 29:2 "When the righteous thrive, the people rejoice; when the wicked rule, the people groan." Work hard......Maybe it's time to dump some tea.

[@dustinryan9671]

Amen!

[@RussellEason]

Agreed

[@konaken1035]

this is a groan time globally, but daily I have bread, shelter, hot water. I thank my Heavenly Father for what he has bestowed me.

[@ryanjones4917]

Solid advice, thanks brother. The only addition I would make is to not fall into materialism or living for this world. Dream big, but don't lose your perspective on what really matters/your priorities. Anything I buy has to serve a purpose. I don't buy things based on trends or simply because it is the newest item or version of an item. I like nice things, but they have to fulfill a need. We can and should try to enjoy this life, but maintain our focus on where/how we want to spend eternity.

[@notyourfallguydaddyorson6835]

Agreed great advice and make sure you pick up one of his merch hats and tshirts for $60 plus shipping.

[@brianriggs2844]

Amen Brother! I say brother as in brother in Christ. I'm not a veteran. Thank you for your videos and sharing your knowledge. We Love you too. N'ough said.

[@samuelkelsen4855]

My guy. Bringing the hard word is never popular amongst the masses! Big blessings brother. From New Zealand

[@sagbeach1]

I agree w all you said 100%. It’s still hard though… I’m a single mom nurse w my 20 yr old daughter in college. I’m trying to teach her to live w gratitude for the love of God for all of us, family and health every day.

[@rodneywolfe8723]

I made a promise to myself to payoff everything before I retired and I did. Then in 2015 I bought a new truck 🛻 and made one payment. Our house was payed for in 2010. Go ahead and preach it to everyone. The government wants you in debt forever. Amen 🙏🏼

[@neonjoe6180]

Well,what sucks is we're all slaves, the concept of ownership is a total fake....think u own it?quit paying the government and see what happens 😅 All you do is rent from the government.sad but true.

[@Steve-qt9ce]

buy used, but be smart. learn to be content with what God gives you. . . show you are worthy of His blessings and He will give you more. never quit a job until you have another one ready to start tomorrow.

[@anatolyloegering547]

I found for me my big problem was boredom so I would buy stuff I didn't need and later didn't want! Understand your own vices! And so now I am living to have quality over quantity in my life and I see the dramatic uptick in my own savings and mental happiness!

[@deltabravo1969]

I retired from the department of corrections when I turned 50. I worked 26 years for CDC after I got out of the army. I bought back 4 years of my military time so that maxed me out at 30 years. I worked a lot of overtime, invested in stocks and a 457 plan. I prepared well for retirement and now I’m living like a king. Peace.

[@wrightdieselservicesllc5831]

We all have a tendency to complain sometimes. When we focus on what we don’t have instead of what we’ve been given, complaining becomes all too easy. But God hears our grumblings, and He is prepared to meet our needs. And when He does, we are reminded of His faithfulness and He is glorified by the good work that He does for us.

[@wnsrider402]

I went on my own in business in October and it was good for the first month and a half… then kept promoting myself and people who would call for work didn’t have the money to do the work. So the nest egg dwindled and I searched and prayed for god to put me in the right place Monday thru Friday so I could put in work to help people on night and weekends. I have been reading psalms 23 everyday since October 1st 2023. God answer my prays while he laid me in green pastures and walked me by calm waters. I am blessed to have a new opportunity learning a new skill and still making money doing what I know is right for people. I reaped what I sewed internationally. I am agree with everything you said. It my take longer to get what you want or set you back if you get it without patience. Thanks chad your the man!! Have a blessed evening brother

[@micclay]

I used to poo poo on the stock market. I called it a big ponzi scheme, which it is to a large extent. I had the epiphany that what makes the stock market different is that every politician that matters is invested in the market and will steer policy in direction that benefits the stock market. I wish I'd realized that sooner in my life.

[@willblack5419]

Remember, they can make money when the stock market goes up AND, when it goes down. And congress knows that insider information.

[@RZRL1990]

​@nomoreprospectingIt's Myth. Not mith.

[@jackjeffery1536]

The only problem with that is Conscience, can you live with yourself investing in big tech that removes freedom of speech? Can you live with yourself investing in pharma that injured folks or makes them sick? Can you invest in wars that you do not believe in sending money that becomes blood money making war happen funding war with your dollars?

[@mikehuffman8208]

the stock market has facilitated the largest wealth transfer in history, courtesy of The Federal Reserve and its trading desk ... the whole thing is manipulated and distorted. Main Street and Wall Street are 100% disconnected. Whenever they decide to stop propping up the markets, look out below.

[@williamharris7849]

Yes!! A lot of people will just say it's rigged and only buy gold. Of course, it's "rigged" against the little guy if you're trading or picking stocks short term. The pro's and banks will take your lunch. But, it's also "rigged" in favor for all investors because the United States of America will do anything and everything it can to keep it afloat during hard times. That being said, I also have some gold, ammo, and food storage.

[@harryv6752]

I blame it on no one and nothing but myself. I take full responsibility and full ownership of my situation. And in taking full responsibility and full ownership of my situation, it is up to me to fix it and to turn it around. Thanks. 🤘🇺🇲🤘

[@MrCard031584]

Save in silver and gold. Started buying silver at $8/oz and gold at $450/oz. Now silver is over $20/oz and gold is around 2k/oz.

[@neonjoe6180]

Works if you don't have nuclear war,silver, gold, nickel,lead,attract and collect radiation. Revelations says they cast their gold and silver into the streets for worthless

[@WaterburnerActual]

We learned how to identify and set goals. Determine what it's gonna take to attain them. Then take the action required. People today don't understand two things. Faith, and setting attainable goals.

[@eddie-xr6mn]

I'm a veteran and could buy a brand new Corvette if I wanted to, but I don't want one. My dad left me a 2014 Ford f150 with a V6 and it's paid for and that's all I need. Could buy a new house but I don't need one. No credit cards. And I'm happy with what I have. I don't have to work but I do. Stop wasting money and wake up America. Keep up the Intel brother.

[@Wrench7532]

I heard over 65% of America is 2-pay checks away from Disaster !!! But You are speaking the truth and don't wait thinking you have time,,,,Not !!! I'm 60 and let me tell you Just Yesterday I was 30 !!!! If I could figure out a way to communicate this to people who think that they have plenty of time,,,, Well you Don't because from 30 to 60 was a Blink of an eye !!!!!! Don't wait get after it The Clock Never Stops Ticking.

[@JaredMcDaniel-v5u]

Yes because they don’t budget properly. It is easy to live on A $40.000 Income if you budget the right way. I am doing it now I was 50.000 in debt as well.

[@chrismajor4169]

Lots of great info Chad!! Just discovering your platform, and man it is awesome. Thank you for your service and thank you for putting out great advice after your service. Very well spoken. Idaho love out! Chris

[@alanharvey5217]

You're speaking 100% truth brother amen and God bless 🙏

[@CliveBirse]

The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or saving my earnings to achieve this goal?

[@mariaguerrero08]

Varied sources of income is wise and especially living within your means. My net worth is $2M and I can pay my bills with no stress, but I don't live like I have that. I have no complaints.

[@mikegarvey17]

Money advice is subjective, what works for you may not work for someone else, but it's always better to plan. I'm quite lucky exposed to personal finance at an early age, started job 19, bought first home 28, got laid-off work 36 amid covid-outbreak, and at once I consulted an advisor to handle growing my finance. As of today, I'm only 25% short of my $1m goal after subsequent investments.

[@ThomasChai05]

@@mikegarvey17 Could you possibly recommend a CFA you've consulted with?

[@mikegarvey17]

Yes indeed.... *Izella Annette Anderson* has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

[@Grace.milburn]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@steveUSMCNOTOLERANCE]

I paid off a 30 year mortgage in 18 years. Evey thing on my land is paid for. Your right about being punished for what we own in taxes and the every day bills we have that we get taxed on because we pay the bill. I'm as close to being free, but am I?

[@dustinryan9671]

No stop paying your property tax and see what happens, we already own nothing.

[@michaelsnively3621]

Not really. But as free as is possible in this space on earth.

[@Jenda-ld8dj]

What the Government does not get in taxes, the medical system will.

[@1980Baldeagle]

I'm shopping at goodwill for clothes. Eating meat/vegetables/nuts/oil. Never go out to eat. Only drive if I have too. I fix everything, no contractors. Quit my vices. This is what it takes so I can pay the bills. Nothing left over.

[@Tmhen]

So F'n whaat, you are still broke aren't ya???

[@evildeebee]

Sounds miserable

[@feelinghealingfrequences7179]

maybe get a gig job like substitute teacher or volunteer and help your community

[@tdsmith]

Never go into debt. Buy what you need, not what you want. Your comments are right on the money. I've always told my kids, "Be the best at whatever you choose to do, and you will always do well." Never trust the government. Never turn left.

[@RyanRisher-i1u]

Thank you for the advice my man God bless you my friend

[@willharm6143]

“But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs” (1 Tim. 6:6-10).

[@deborahjackson6108]

Amen to that. Being content with what you have is very important to starting out of debt.

[@AndrewMassey-m6b]

You are so right on!! Really like your truck talks. Keep up the good work!!

[@truthhurts-365]

I’m with you when you right and got damnit you are absolutely right! Everything this man said is GOLD 💫 and anybody who can’t understand this tough luck.

[@andrewlangshaw5938]

I love some tough love. Thanks brother.. your spot on. Still working on it.

[@01tangodown]

I've been doing these things. I own 2 companies one is a real estate company and I can tell you the housing market is directly tied to our economy, this government has ran our economy into the ground. My company isn't doing even a quarter of what it used to. They raised the interest rates so much that buyers don't qualify to buy the minimum 500k home in my area. On top of that sellers who locked into a 2.8% rate years ago aren't willing to sell to have to buy at a 7% so we have no inventory. It's what you call being stuck between a rock and a hard place. I've been doing this for many years and have not seen it this bad in a long time. People are shopping at Amazon and Walmart because they have no money. Real estate is my profession. It doesn't make sense to leave everything and try to start another business in such a fucked up economy so instead organic were doing Walmart. Just the way it is brother. My other company is a landscaping company by the way its not doing the best either because no one wants to pay for landscaping on a home they don't own.

[@drill_baby_drill]

The real question are you content? Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also. I have lived from poverty to success. Money is a nice tool but it can bring comfort or destruction. Some of my fondest memories were when I was dirt poor.

[@gregorybartlett2071]

I was just asking advice about this. thank you chadd.

[@manyman9890]

I like this kinda talk, I’ve always had the same perception as what you spoke about. But I’ve never heard it said by another’s mouth I guess. You validated my plan and I thank you for that. I’ve been told countless times that I’ll get no where trying to save my own money and not pull a loan or some other bullcrap. I’m a young 21 year old disabled man but Ive got dreams of owning my own land and a farm. And the only choice I got is to be financially responsible while still accumulating the things I want. It is tough and it does take patience but I have no other option, I wrote your tips down to legitimize it and to follow it.

[@WtLLjoh]

They use to teach this back in the ole days. It's solid great advice, it's the way wealth was built in this country and the reason for America's prosperity. But now everyone ignores it.

[@AL_theDrifter]

Live below your means, but use credit to your advantage. Be careful, but it's worth it if you do it right. Most don't.

[@jewelrymaker1607]

I only use credit when its free! Pay off your card on the first payment. Sometimes you can get free credit for a long time. i bought a mini split off Amazon for $2k they offered me free credit for a year. I said OK and paid it off on time. I could have paid it off with the first payment but decided to get some free credit. Use it to YOUR advantage only!

[@eblake626]

20 year banker here. #1 - Save every month #2 - Never touch your savings #3 - Get out of debt ...do these three things and learn what it means that the first $1,000, first $10,000, first $100,000 are the hardest to achieve. Anyone can be a millionaire...most don't have the discipline.

[@BananaBandito1864]

Yeah that's just not true. Not anyone could be a millionaire. We have vastly subjective lives, obstacles, and problems, etc.. life is not that black and white at all.

[@michaeldyer6304]

Took me some time and quite a few videos but I subscribed.. I like this guys energy

[@billb89]

I had some cash but spent it all on an Ithaca M37 12 ga mil/police shotgun.

[@michaels7499]

You still have a tangible piece that will maintain a level of value. That is the key to spending.

[@MartianAmbassador69]

Nobody blames you 😂

[@Kendall527]

As a broke turd myself (navy e-3) I am so thankful for this guidance. Thanks Chad

[@jshepard152]

Follow this advice and you won't be broke in 20 years. Get yourself a Roth IRA and invest in a good, low cost S&P 500 index fund like VFINX at Vanguard. Or Fidelity has a fund you can start with $10. FZROX. Max out the IRA every year and never take a dime out no matter what. I started when I was 29 and broke, delivering pizza. Now I've been invested 19 years and even though I had a couple lean years where I didn't invest much, I'm still set nicely for retirement. I won't be wealthy, but I'll be well taken care of, and any Social Security I get will just be extra.

[@CelticGermanicTxWarrior77]

Can't buy the hat and T-shirt now. Gotta save gotta save gotta save😆

[@nateadams1515]

Good advice! Side note- Don’t be afraid to borrow money for assets that pay more than they cost!!

[@Mohamed.M.90]

Chaddimus Maximus. Thank you. We live in a society where we are pressured to consume, consume, consume, and buy things that we don't need. That's literally the entire purpose of advertising - to convince people to buy things they don't need, because it will make them "happy." Reality is the opposite - discipline and living within one's means is the only path that will lead to a good life. You are absolutely right sir.

[@matthewsmom010902]

Stop buying the things that you don’t need, is what I told my son. There are wants and needs. Focus on the needs for now. Save your money for the wants and if you’re fortunate enough to afford the wants in the future , consider yourself fortunate!!

[@bobroberson9286]

DUDE, this is absolutely the most accurate "Truck Talk" segment I have ever watched. You MUST keep your eye on the prize if you're gonna attain the the goal 👍

[@bobroberson9286]

​@nomoreprospectingWHY are you telling me this crap, something I don't give a damn about. I'VE MADE MY OWN PLAN and WORKED MY OWN PLAN, THANK GOD IT HAS WORKED 👍💯👍

[@chrism.ingalls4883]

Ive retired off $TSLA stock so that is your personal opinion or your personal experience. You failed in the stock market does not mean we all fail in the stock market.

[@Mint-kj9kw]

That's awesome. Most of my friends are retiring thanks to crypto.

[@JaySully_]

Great advice yet again brother

[@jeffoleary6278]

I agree with all of the 5. The only thing that I would add is to help others whenever possible. Not financially gifting money, but putting those that need it into an environment for them to make their own and strive. When you help others it will come back to you.

[@willanderson9832]

6. Have and follow a budge 7. Never make emotional purchasing decisions

[@Normgod73]

It's me, I'm a turd! 💩 Glad to meet you all, my broke turd brethren.. Quick question.. How many people reading this have one cent ($.01) in their savings account just to keep it open? Idk where you're from Chad, but here in rural TN the average income is roughly $35k/yr for us turds. We're struggling in a inflated economy that requires minimally $100k/yr to stay afloat... Average Joe in my world brings home about $500 a week ($2k/mo).. Rent takes 3/4 of that now, utilities the other 1/4. Then there's car insurance, and car payment (if not paid for), groceries, gas... So tell me how a single person is to live comfortably today? Work 2 or 3 jobs? Is that the new America? Step outside your bubble bro, average Joe is on a sinking ship!

[@centurione6489]

An absolute Gospel-grade package of true wisdom ... delivered with the trademark grace.🤣

[@Jesussaves7606]

This man is telling the truth. Stop taking the risk on the job you work for and take the risk on you

[@NukaVaultReadiness]

Appreciate the tips! As a couple (in their mid 30s), we don't want to work for most of our lives to only enjoy 10-15 of it. Get out of the "system" as fast as possible, and consume only what you need to.

[@McBadgersDad]

Nice cap!! Basement workshop cranking out some new gear for us??

[@yunk9]

Correct. "They don't want us to be financially independent"

[@edackley8595]

Gotta be much more than financially independent.

[@chasetheoutdoors7469]

You said you never had money in the stock market or bitcoin but I remember seeing one of your videos when you were explaining about you buddy in the teams and how he was crazy about bitcoin and mentored you and got you into bitcoin and you said you were rich in bitcoin. Not hating on you at all brother. I love your videos and podcasts and I see eye to eye with you on everything. I’m just confused on that topic.

[@amho123]

The video you remember was recorded 2 months ago, but you must have forgotten how Chadd finished the video. He starts out sounding like he was getting into bitcoin, but Chadd finishes the video by roasting bitcoin and cryto in general. He is 100% consistent. He ends that video touting the same REAL assets he's talking about here. Chadd is the real deal and is no hypocrite.

[@chasetheoutdoors7469]

@@amho123 you are correct sir and I must have forgotten. I just got confused and honestly should have gone back and watched that video again. I just didn’t know if he was being serious or sarcastic when he was saying he was rich in bitcoin but now looking back and seeing how consistent he is I do believe he was being sarcastic. Thanks brother and no I don’t think he’s a hypocrite at all and I know he’s the real deal.

[@ChadLisonbee]

I couldn’t agree more. I was taught borrowing money was not only acceptable, but a necessary way of life. I’m making far more than I ever have and I have figured out I never should have used debt. Even if you have a good income, if you borrow money you’ll still be broke. Taxes, social security and Medicare are the punishment you get for working a J.O.B.

[@roundone7954]

I've been a subscriber for quite a while now. I really appreciate these videos.

[@petermurdoch3001]

I was taught at 12, Needs and wants, at 40 i semi retired, if your pay rate per hour is 50 dollars and you spend 40 dollars per hour, then you are no better off making 10 dollars per hour and just don't spend

[@evildeebee]

Wtf kind of financial advice is that lmao

[@twisted-tenn1992]

Its very hard for me to take financial advice from a Bearded Guy with Billy Goats in the Background. 😂😂😂😂😂

[@rodneyratcifferatcliffe5016]

Alot of people just overspend

[@scarter176]

You figured it out. You are 100% correct.