6 Money Truths I Wish Someone Told Me Sooner

In this video, I will share six ideas about money that I wish I had learned sooner. If you want to learn how to save and invest more money, be sure to hit the subscribe button!
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[@NateOBrien]

If this video gets 3,000 likes, I'll make an apartment tour once I fully move in!

[@hudsonmegeath2677]

Nate O'Brien Deal, you got my like

[@superswingtrader5388]

3,000 likes is kinda asking for alot Nate. At the time of this comment you haven't gotten 3,000 views yet.

[@DAMastAGamA]

Nate O'Brien you’ve got mine ;)

[@stephane1623]

Great video and a tour would be awesome. Curious to see your taste ;)

[@PascalH9191]

Nate O'Brien Apartment tour

[@TheJury288]

Man, the way you speak non-stop, without cuts, that’s really insane.

[@NateOBrien]

One of the reasons why I started this channel was to improve my speaking skills. I used to have issues with stuttering so it makes me happy to read comments like these. Thank you

[@lennyboel8994]

@@NateOBrien Any other tips for that? I'm struggling with the same problem

[@mindsetmastery4167]

I was wondering why he seemed so genuine! Nice catch

[@m.morininvestor9920]

@@lennyboel8994 say it 6 time in your head the exaxt same sentence, once you said it in your hrad 6 time say the same sentence for real. It will work do that 1 week. Trust me. Then say the sentence 5 times only... Do that 3-4 days. Then keep going like that same amkint of fays in a row but 4 time and 3 times in your mind etc... and soon you ll speak fluent non stop.

[@cocanat7940]

Forreal tho

[@Tonymanero1960]

Nate,.....the fact that you can talk for 13 minutes without saying ''you know, I mean, it's like, or um'' is unreal. Your speaking skills are spectacular.

[@NateOBrien]

Thank you Tony, it truly means a lot to me for you to say that

[@Jpt383]

He said “uh” at 6.20 ish

[@Tonymanero1960]

@@Jpt383 Yes,....but he didn't say ''um''.Lol

[@torshhn2605]

@@Tonymanero1960 exactly, he didn't stutter or use any "time excuses" that's what I call them! Great Comment!

[@KelsterVonShredster]

It is indeed refreshing to see somebody this young actually speak like an intelligent being. I thought the new generation was a lost cause quite frankly, but now I have hope LOL

[@notinaable]

"When you were younger?". Boy, u 21, u already figured so much about money than my 37 year old self. Good on you.

[@polarbarrrs]

"If you wish to be wealthy, learn to live like you're poor"

[@NateOBrien]

having said that, don't deprive yourself of important things in life. There is a fine balance where you can live below your means while still feeling great

[@polarbarrrs]

​@@NateOBrien absolutely

[@boypanot1509]

Nate O'Brien yeah i know what u said.

[@thegreat9481]

MostNaturalMedia Poor and wealthy dont mix. Maximizing your earning potential + asset building is better wording.

[@Binhminhtqn]

MostNaturalMedia yeah

[@gabeknechtel]

Use me as a “do a house tour” button

[@NateOBrien]

When I get back from Puerto Rico

[@gabeknechtel]

Nate O'Brien sweet 🙌🏽

[@Miakoda00]

That would be interesting 👍

[@nothing-ye7ub]

so you just never came back huh

[@NateOBrien]

Hope everyone has a great weekend! Don't forget to leave a like and subscribe to support the channel!

[@gabeknechtel]

Nate O'Brien liked before watched lol. 👌🏽

[@JohnNovakovich]

When the first tip is minimalism, you immediately establish credibility to me. Subscribed!

[@NateOBrien]

Thanks John!

[@tewksburydriver8624]

It's ok to have a toaster, a microwave, and an oven. Really, it's ok.

[@oyster636]

I am 23 and from India. Due to my extravagant lifestyle, I created a big credit card debt and was confused as hell when I found your channel. And now I am paying off my debts one by one, had cut down all my expenses and started a minimalist life selling most of the things. I am very grateful to you Nate :)

[@nhapril9595]

Nate - I can't believe you're only 21. You have so much knowledge and wisdom. I'm way, way older than you, however I enjoy your channel. Keep up the good work :)

[@NateOBrien]

I'm feeling old. I'll blink and I'll be thirty! Time flies when you're having fun

[@KelsterVonShredster]

@@NateOBrien dude....you have no idea how fast time flies. Wish I had your wisdom at your age. I am 48, post divorcee and 20K in debt with zero assets. Your videos are still inspiring me to dig myself out of this mess and start fresh. Cheers from a fan in Ottawa, Canada!

[@andreblackaller3560]

NH April ! Dude looking at him I’m like wtf am I doing with my life lmao

[@mislam13]

this is the benefit of living in the age of technology. millions of helpful videos online right at your fingertips.

[@TheEntrepreneurChannel]

Like if Nate is helping you in your journey to financial literacy like me 💰💰!!!

[@RafunzelReyes]

💯💯💪🔥

[@benny88cups]

Out of a lot of personal finance channels, yours is one of my favorites because you explain information in a clear manner. You don’t speak with a condescending attitude like a lot of personal finance experts

[@NateOBrien]

Thank you Benny!

[@vipertact]

And after all that you might marry someone who isnt that smart with money. Marry an equally responsible person, or someone who is open to learn about it.

[@evidentlydubai327]

Thats so true

[@wezichirwa5398]

Amen to that

[@edwin.santiago]

Actually sometimes a balance is good! ❤️❤️

[@squirrelcovers6340]

DON'T MARRY ANYONE. It's stupid.

[@ashkay1001]

It has been almost a year since I started my first real job. I'm grateful that I had the initiative to learn about personal finance because like you said; most of us college graduates are totally clueless about managing money. Thanks for sharing your knowledge with us, Nate. I truly benefited from your videos.

[@BRBallin1]

It amazes me that school and college have us learn a bunch of bullshit material for general education but doesn't care to require 1 personal finance course.

[@ShaneHummus]

That's why we are grateful that you always share this kind of contents for us to learn earlier and be financially independent after years of building our own portfolio.

[@NateOBrien]

Thank you Shane!

[@CodySteckRealEstateVideos]

So true man, it’s always good to have another perspective right?

[@ShawnF]

Wise beyond your years. You're teaching things that people don't realize until they're much older. Even better is that what you preach aren't trends, but basics that will stand the test of time and will help build generational wealth. Your topics are varied but remain intertwined. Keep the great content coming - Thank you!!!

[@christfollower122491]

Can we take a moment and just acknowledge that this kid is 21!?!?

[@ZacharyLaid]

It’s funny how most rich people don’t flex their money while a lot of poor people try so hard to look rich.

[@NateOBrien]

90% of people who wear Gucci are poor. The other 10% comprises of trust fund babies and a handful of actual self made rich people

[@williamkinnane1606]

A lesson in human nature.

[@phanomchanthavong1668]

I see that all the time and it is sad. Can't pay their mortgage but always have the latest Iphone

[@thegreat9481]

There’s more than what meets the eye. Thinking binary will make you delusional and judgmental. You can buy all the Gucci you want granted that your assets provide the cashflow for it, thats the ideal.

[@JessicaHicks]

Very true. The poor spend a larger percentage of income to look rich. It’s a mentality thing.

[@smartjoe5258]

Buying used books from amazon is one of my favorite ways to gain knowledge. Some of the books cost me less than a dollar.

[@NateOBrien]

Sometimes I buy more books than I can read!

[@solomonelijah]

me too!

[@benny88cups]

Smart Joe I borrow books through the app Libby by Overdrive. If only requires a library card

[@thegreat9481]

Smart Joe People aren’t clean so i buy new.

[@xKidTragic]

Same!

[@DanielIles]

By moving often you really notice how many things you never use. I have moved 3 times in the last few months for house flips and each time I get rid of a BUNCH of things.

[@NateOBrien]

By moving you realize that you could fill two uhauls with stuff that you never even knew that you had

[@DanielIles]

Nate O'Brien haha, or greatly inconvenience yourself trying to load a truck several times

[@davidm.1934]

I’m 23 & I just started investing into my retirement with vanguard this year too. Pretty soon I plan on investing on a few ETF’s & build a nice portfolio 💼👍🏻. Wise words Nate

[@iwnunn7999]

Dude, u are wise beyond your years. You're doing a great service. Young people, LISTEN UP AND LEARN.

[@bobwright8000]

Good words, Nate. I'm glad you decided to fund your retirement. That is a big win.

[@NateOBrien]

Thanks Bob! 40 years will likely go fast!

[@officialmugacey793]

Hi bob

[@CodySteckRealEstateVideos]

I 100% agree. It doesn’t get any better than that.

[@martinkosmicki3921]

My method: If I haven't used something in 6 months >>> out it goes >>>.

[@NateOBrien]

Same!

[@wholesomehouselife7423]

I agree with avoiding debt at all cost... we paid 70k in 14 months a couple years back right after college... in our 20s. The day I made the last student loan payment I felt like I could fly. The dark cloud over my head dissapeared and I could enjoy the sun and the blue sky. What a feeling!

[@hazelk.7774]

What I like best about your videos is how you never try to make people feel stupid if they haven’t yet tried to improve themselves/their circumstances or make them feel bad if they did try but failed to follow thru. You give out gentle encouragement and even pepper in points where you’ve made your own mistakes. I appreciate your approach. I think in the past I have let guilt be my motivator and that never really works out well in the long run because that means always coming from the perspective that everything one does is wrong or bad.

[@harshwardhansharma90]

You are great bro...these days I have been watching many of your videos and all of them are so practical. I don't really remember how I ended up on your channel 3 days ago but that was a TRUE BLESSING......Loving all your videos and it is nice to see someone having similar age and mindset. Count me as your loyal subscriber from now cauz I don't think I'm gonna miss any of your video🙂

[@realestatevideotours4001]

Nate, thank you so much for your videos. I'm 50 and your information that you share is much needed especially for the young people but it's valuable for all. I've shared on my FB page.

[@juangarder9796]

Nate the Great! Where were you in my early twenties... still no too late to compound with the knowledge that you provide 💪🏼

[@Consolous]

Thanks so much Nate. I am 24 and just getting into my finances. You are like the Finance Charisma On Command, with the similar background and no cuts. I'm going to look into the retirement plan now.

[@NateOBrien]

Thank you!! I appreciate the kind words!

[@Arvabelle]

Yesss apartment tour! I’m that way with furniture/home items. I try not to buy a bunch of useless stuff that I know I’ll have to move 😂

[@NateOBrien]

I'm going full minimalist

[@Arvabelle]

@@NateOBrien Do it man!

[@torshhn2605]

@@NateOBrien not to much, it troubles me with the to see something like a square in a photo frame and a guitar beside one table and a little bench😂but a little minimalistic apartment that will be nice💕😉

[@beabonbons]

Nate O'Brien luv it 💓

[@sanoski24]

Best free financial advice/information you can attain online = Nate O'Brien's KZbin channel. Can't thank you enough for everything you've taught me!

[@NateOBrien]

Means the world to me for you to say that, thanks for always supporting the channel!

[@RafunzelReyes]

Yassss💯

[@annann6136]

i'm learning watching ur blogs. living simple and contended, while securing ur pockets for retirement...but enjoy ur money as well. thanks.

[@ShinigamiArts69]

too much helpful , thanks for ur ideas

[@NateOBrien]

Thank you & congrats on 300k subs

[@MrPink-]

Thank you bro! You have helped me a lot in understanding the "money game". Cheers and all the best

[@NateOBrien]

Happy to hear it! Thanks for watching!

[@wealthhacker]

Yup, can relate to many of these.

[@NateOBrien]

Thanks for stopping by the channel, Jeff!

[@aashnavirmani]

Nate, your videos are very knowledgeable and bring value to my life. So much to learn from you!

[@SeanLei]

Glad you've found minimalism! It's helped me a great deal really focusing on what matters to me

[@shailchib]

I am new to your channel and it’s helping me understand money in a whole new way.... big fan of the content on your channel and the way you explain things. Thanks I might bug you with some questions later.... job well done.... kudos

[@djv193]

Just shared this video with a Facebook group. Invaluable information and amazing content. I am very glad I stumbled across your channel.

[@RubbingPotatoes]

Bro you got some luscious hair. I’m soo envious. Don’t take it for granted

[@dadaprishelo8085]

I really appreciate your advice. i am so happy I found your channel. Will absolutely share it with friends and family. saludos desde Mexico.

[@Lisa.M.J]

Your philosophy on wealth & education is really balanced. 💯 One of the reasons I watch these types of videos is to glean how other people’s ideas & perspectives might enhance my life goals, & hopefully help others. I just think ideas tend to be stronger with different perspectives, instead of just one. As always, thanks for sharing Nate! You’re definitely a lot wiser than your 21 years! 💯🙌

[@NateOBrien]

Thanks as always, Lisa. Have a great weekend!

[@kanyshaiosmonova7968]

Thank you for your information. I am learning new things about money, personal finance, business. I will do my best to use those knowledges in my life. To get 100% advantage of them. I really appreciate your work. Last days I'm watching a lot of youtubers abd their videos about finance, money. But they aren't really helpfull information out there like yours. I am greatful for your videos. Continue doing such useful, helpful videos. I think I will be your follower forever.😍😍😍

[@nuralawaldalhatu5962]

Like these tips especially no: 2. Thanking you for sharing!

[@CpawsMusic]

Following all your videos makes it possible for me to follow my passion and freelance full time! Thanks for all the helpful information Nate! 🙂

[@NateOBrien]

So happy to hear! I'm glad that you are following your passion

[@Lisa.M.J]

@Cpaws Music 🙌

[@wertyoo]

I was that 17 yr old signing for $110k in loans, excited and happy. Looking back on that moment now gives me chills... It is just unreal

[@reggierico]

Nate, great post, thanks. Wish I had had more financial advice 30 years ago. One point, the idea of buying a Rolex watch is actually a great investment. They NEVER lose their value. I love to collect things, always have, all of my life. Stamps, coins, knives, historical firearms, etc. And watches. The day I bought my Rolex Submariner (no date), its value was approximately $3,000 MORE than what I paid for it, which was retail through a Rolex dealer. My uncle has a vintage Rolex (Submariner) and it is worth over $20K! Food for thought.

[@ericulric223]

I'm finally intent on watching just about every video Nate has made and have actually started throwing out wasteful surroundings and am becoming more cognizant of distractions that I use to avoid the work intended.

[@jorgealexphoto]

I’m so happy I found you dude.

[@victorbruzos8819]

You’re an inspiration man!

[@katiekrupa6608]

Im so glad I've found your channel. Thank You

[@antwuntrademark]

Excited for the apartment furnishing video 🏡

[@SensieRodriguez]

Ty for posting this !!

[@Jungernaut]

I just discovered this channel and.... I LOVE THIS CONTENT.

[@NateOBrien]

Thank you Brian! So happy to hear

[@Jungernaut]

@@NateOBrien I saw your name on the Fincon sheet. I hope we can run into each other

[@deepeshchetwani6250]

@@Jungernaut KZbin algorithms have stopped showing your channel to me 😂😂 hws ur credit card game👏👏

[@kellygreenn]

Someone who’s financially stable/savvy AND a total snack? sign me up

[@beatsonfire4998]

Awesome info as always. Thanks for sharing

[@uttonio]

Hey Nate, I come back to this video to day THANK YOU because you changed my mindset which helps me save a ton of money 🙏🏻❤️✨😊

[@bangmain5355]

Video #2 and again I'm impressed. These are things I'm just learning and understanding.

[@NateOBrien]

Thank you Stephen!

[@GenExDividendInvestor]

Very true. When I was in my 20s I made the mistake once of getting a decent sports car, and then spent a bunch extra modding it up. It was fun while I had it, but man I wish I had bought something at 1/3rd the price and just had invested the other 2/3rds. Great lessons you are sharing, thanks.

[@NateOBrien]

Sometimes I'm tempted but then I remember to think long term!

[@geedunk13]

Nate O'Brien just be smart. I bought a 2007 car, with about 8k in mods for $8k. The car is fully depreciated, so I can sell anytime, and it has all the mods I’d ever want. Those never help resale. Get a car with good resale, like a C6 Z06 or anything else bottomed out

[@loveall2764]

I did the same thing bro. Hindsight is 20/20

[@regitzevictoria8959]

Nate O'Brien Yes, that is what you are teaching me at least; to think long term. I have already noticed that shift in my thinking - long term over here and now in various areas. In the supermarket, regarding purchases I want to make, in my budgeting, etc. I do feel much more in control like that and confident. But it is also... the mind is always at work. Not so much space for being/emotional experiencing. Just my opinion. Really appreciate your channel.

[@beabonbons]

Thank you for your insight, I appreciate it 🙂

[@ahmedreviews4938]

I found ur channel days ago, and I gotta say I really like how genuine u seem to actually help people, keep up the good work my dude

[@NateOBrien]

Thank you Ahmed!

[@imma_cat]

You are so helpful and inspirational! Thanks Nate!

[@travislowrider6623]

i totally agree with the avoid debt, no credit cards thing, and minimalism. i came to the same conclusion over this past year, that if i ever got the chance to go back in time, i would tip myself off to do as mentioned.

[@NateOBrien]

I just really don't need that much stuff!

[@wagwanbennydj6003]

Legitimately love your channel ❤️

[@Areejlovesyou]

love this channel so much! would love to know more about your day to day life, vlog style, apartment tour, etc.

[@NateOBrien]

I think I will create one soon!

[@Bruhvant]

The fact that these videos are taken in one cut. Man, I envy that. It’s the little things. Thank you for these videos.

[@kankerdoodleb9149]

Excellent content as always Nate..having less is like a spiritual awakening..I'll never be a full blown minimalist but have been having a great time decluttering and gifting many of my treasures.

[@NateOBrien]

It really is nice!

[@minutofinanceiro4168]

It's amazing how you're so young and money wise at the same time! Wish you the best, and thanks for sharing...

[@kimtaylor7399]

BRILLIANT . People don't realise that some won't get to pension age but now in Uk pension age is added 7 yrs n keeps rising. Surely Nate you are teaching all ages. Good Luck to you.

[@sandrafuentesbravo8927]

Thanks for sharing your knowledge Nate! 😁

[@NateOBrien]

Thank you Sandra!

[@PatrickCogen]

Good tips Nate. Love the one about free information. You can find so much free and cool tips everywhere. Love from a small youtuber :)

[@lynnatleisure9032]

Hello Nate, I love to watch your videos! Yes, I would love to see your apartment and how you arrange it. You do great work, please continue making good, informative videos.

[@catheb2225]

Yes debt is crazy! Thanks Nate for this information. I love watching your videos

[@lizbettalksmoney]

Totally agree with all of these! Good stuff Nate! 🙌

[@coachdebby564]

Love your insight! I Appreciate you. 👍😊

[@diamondjenna9104]

You are doing great! Keep it up young man!

[@yvonneomiya1328]

Thank you you deserve. All the likes. Very amusing videos today thank you & God bless you!

[@JENSDONT]

A great educational video as always. Thank you and keep on doing what you do! Greetings from Belgium.

[@NateOBrien]

Thank you! Belgium looks nice, maybe I'll visit one day

[@aimanzhafirin7937]

Great contents as always nate.. 😍😍

[@Muufatt]

It's the most underrated finance channel! Great job Nate! :D

[@jsleamer2046]

I'm 22, and I already regret the first 3 years after high school graduation, spending the money away.

[@ee.es00]

For what college?

[@4musicdiscovery]

please do a video about using credit cars as tools!!

[@NateOBrien]

I think I will

[@pun15h3r.]

Man.. you really prove that reading books make u much more intelligent at all ;D Awesome to see such a guy at this young age! Keep going!

[@phurjangsherpa4432]

Appreciation from Nepal. If you ever come to my country, I will help you out to travel.

[@JumpRopeVeteran]

Brother, I wish I had known these things when I was in my early 20's. I accepted debt as just a part of life instead of being intentional about taking on as little as possible.

[@yasminekribi1442]

keep going ! you are such an inspiration . thank you Nate .

[@DonovanLee]

Bro your knowledgeable wayyyyy beyond your years 🙏🏻

[@AverageJoeInvestor]

*GREAT VIDEO NATE* Man oh man, *IF ONLY* every high school senior committed to avoiding consumer debt and had to take a financial education class before graduation 🎓 Think of how different our generation would be! Love the content! I teach many of the same things on my channel! Keep it up! 😎👍🏻

[@jamesdilworth1496]

Average Joe on Money that would be awesome!

[@josephvoska8497]

What a concept! 👍🏻

[@donnawalthrup1026]

Yes please! Kids need to learn this at an early age!!

[@NateOBrien]

I really hope that they start teaching it in schools!

[@knickknackpattywack]

Probably the best financial channel on KZbin

[@pamelahawkins6361]

Nate i found you recently as i am attempting to get out of debt. Thank you for taking time to share info. I am so impressed with your wealth of knowledge and how you present yourself especially as a young man.

[@GrowthMindsetProductions]

I *really* enjoy the quality and variety of educational videos on this channel. All I can say is *keep* *it* *coming* ! :)

[@NateOBrien]

Thank you!

[@sophiasummer7339]

Thank you for your video!😊😊

[@FindTheSeven]

You are so right on people offering courses. It's a big bubble and you are holding the pin, bud. 💪

[@williamkinnane1606]

Valuable info, thanks Nate !

[@NateOBrien]

Thanks for watching, William!

[@ruthdelafuente2779]

Love to see your videos while breakfast time💖

[@desertfox3917]

Hi!! A new subscriber here!! And that what you you make reference about showing off possessions and material sttuff so that people approved of and look up to them is just pure ego and probably low self-esteem cause someone with high self-esteem doesn't need people approval!!

[@jackynewton5735]

Thank you Nate

[@nungacynderilla5095]

You are just a blessing to me Nate , am glad I came across your channel .... I seriously love you so so much .....