7 purchases that improved my financial life

[@EM3Finance]

Always invest in whatever separates you from the ground: shoes, socks, beds, etc. you’ll never regret it

[@leeku7768]

Ferrari

[@stephenbonutto2713]

Penthouse on finance?

[@kanupreiya_29]

Why tho?

[@EM3Finance]

@@kanupreiya_29 1. Because you spend a lot of time with them. 2. They compound value So if you are cheap on a bed then you spend a third of your life in a cheap investment that might not give you adequate sleep which sets you back every day.

[@matt198818]

Space hopper

[@richheruk]

I have a health condition that isn't covered by my insurance and it would take several years to get to where I need to be via the NHS. It took a lot for me to pay for additional private appointments (I could afford them but they seemed ao expensive), but within two appointments my issue was properly medicated for the first time in four years and it was life changing. I'd never scrimp on health again.

[@abcd1994]

1. Amazon Kindle 2. Nespresso coffee machine 3. Leverage 4. Your Ikigai 5. Anything that separates you from the floor i.e. mattress, sofa, office chair 6. Investing in solo travel 7. Investing in my health.

[@garrettk7166]

Thanks!

[@pathmaram]

Thankyou for summarizing

[@krassiaivanova3193]

Thank you!

[@dragoutjesanovic3522]

Qqqqqqqqqqq0​@@pathmaram

[@pinkcadilack]

Thank you

[@williamsdavis.]

I wasn't financial free until my 40's and I'm still in my 40's, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals. Hope it encourages someone, that it doesn't matter if you don't have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the stock market is a grand choice I made.

[@favourbridgette1939]

@williamsdavis How can I invest in the Stock Market? Would appreciate your guidance. Yes, it’s never too late to start. Thank you. Have a blessed day and week…

[@Myextraordinary_ordinarylife]

How did you do this?

[@ArtistFormallyKnownasMC]

Thanks, your kind comment brought a smile to my face today.

[@aivah07]

Thank you for this 🙏🏼

[@odiontaiye6883]

Can you advise on what you did differently

[@Selbach555]

Hello Nischa thanks for this insightful video. The one thing that I would upgrade in the future from your list is the Nespresso machine. That IS a loss leader business model which is why 1) The machine is so cheap and 2) They give you free pods precisely to get you in the habit. You’ll be much better off getting a real coffee machine and grinding your own beans. Not only will you save so much more money, you’ll have access to a humongous variety, plus get so much more value per cup as each pod is just a paltry 5g of grind. With amazing quality coffee about $15 per 500g bag, you’ll get it back in no time. Plus, you’re not killing the environment with so much waste.

[@FeralFeminine]

I’m currently following the Ramsey method for paying off debt but I absolutely won’t cut my gym membership! I see movement just as important as health care and I’m glad you are encouraging other people to be active too.

[@GaryORiveraSr]

As long as you budget for it that is not an issue

[@monikadoyle-realtor9559]

Yep I agree! So many “experts” list it as a want but to many it’s a need! I cut my membership temporarily bc I wasn’t using it, and I decided to just walk during the warmer season, and will add it back in the winter! Health is super important and should be considered an investment!! So many experts get that one backwards! Now I guess if you are paying for it year after year and not using it well then that’s a different story.

[@toddspangler6669]

You don't actually need a gym. I worked out at gyms for over 25 years only to realize there are countless exercises you can do at home. Negative push-ups, planks, burpees, jump rope or just jumping jacks, etc., etc. I bought a smaller treadmill and walk on that while using my phone or playing video games. Targets my body and mind at the same time!

[@danielsaddyful]

​@@toddspangler6669according tp your logic, why would u buy a treadmill when u can walk outside for free? Gyms are great, get you out of the house, break from work etc....

[@toddspangler6669]

@@danielsaddyful I mainly use the treadmill while working, but I got it used for $75 and it's lasted 9 years so far. If the weather's decent, I go outside for sure.

[@nowsheenanwar291]

I learnt the things which you need daily- I use that motto buy once, cry once So, like if you know you need a bed, choose the one you want and wait for the sale Long term assets - dining table, bed, sofa, spend once that's it Short term - writing books pens, you need to keep buying depending on your work so no extragence there Food - that is your health, if you eat shit like junk food, you are not doing anything good But fruit and veg and cook at home

[@sunevanheerden]

Totally splurge on bedding! Love this channel, it has inspired me to start my own!😅

[@hemshah1567]

Investing in solo travel is absolutely worth it. I went to France and Spain this year all alone and found so much about me subconsciously and made so many friends from across the world.

[@CH-yp5by]

Yep go the Kindle paper white water proof and had a Nescafe Dulce Gusto on sale for 40 quid and bought pods in bulk on Amazon turned out to be 28p a pod for espresso, did that for a few years than eventually upgraded to a second hand Gaggia machine and separate Eureka grinder , I do not suggest the latter option, I'm just a massive coffee snob that once worked in a previous life as a Barista and struggle to settle for less. Did solo travelling for the last several years, totally agree with everything with you said on that, also I quit alcohol this year, saved a ton of money and improved my health substantially!

[@msliltrinity]

Love that this is about investments (big and small) that made a positive impact versus just something to buy for convenience.

[@catchjyoti]

therapy is something that i need to explore too. and i would add shoes to what separates us from the floor - can't cheap out on them.

[@matamatasr]

LOL - ebook+audio book combination is my jam for fast reading as well :) both version borrowed from my local library, so no charge!

[@RitaMeyers-oc4le]

It is always good to have a financial plan. I work with a portfolio manager and fixed income planner in the USA. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income.

[@leoVatnik]

A lot of people downplay planners role, until burnt by their mistakes. I remember just after my layoff 3 years ago amidst covid outbreak. I had to stay afloat, hence researched for licensed fiduciary advisors. Thankfully, I came across someone of practical knowledge and decades of experience. My stagnant reserve fund of $225k has yielded nearly $1m after subsequent investments so far.

[@leoVatnik]

I’ve shuffled through a few experts in the past but settled with Mr. CHRIS RYAN STEWART

[@StellaAlmiron]

I know of Chris’s platform. I have turned over more than half a million working with Mr. Chris Ryan Stewart on a very wide array of options and finally sticking to a few that have been favorable in the past 2 years

[@kalpanar1371]

I am in such a financial mess & in 50s. Some my miscalculations and some because of no help. Anyways I truly believe this too shall pass. Thanks for your videos...just came upon them by chance & now hooked.

[@NoName-jq7tj]

Something that aides you posture is sleeping in the floor. Lay down a thick duvet & lay on that it is solid for the spine. And yes solo travel is a huge method for developing the oneself. I’ve been doing this since 1999. I find people draining so hence travel always on my own. Therapy is nonnegotiable for good health.

[@mak.ak.uk.]

Would a firm orthopedic mattress have the same effect? I ask because I have a medium-firm mattress and a firm one, but I might reconsider using the firm one if its as beneficial as you suggest.

[@paulna85]

The only content creator that makes me pull a notebook and take notes. In the very literal sense. I’ve made several lists of off these videos. Thank you for the amazing content that gives insight and food for thought

[@Barny5ive]

The solo travel one is particularly overlooked I think. I have gotten a great deal of good out of my solo travels over the years, whether taking my 1st trip ever to NYC, which I did as a solo traveler, to brief overnight visits to different cities where my NHL Hockey team is playing (Let's Go Blues), You can learn a lot about self-reliance and personal/time management through those experiences. You also learn a great deal about these places through research & planning for all to be done there & on the way.

[@lakesnlawns222]

Research has found that ikigai is one major reason for those Japanese who live long. It is a concept way beyond just a purpose in life - it’s my latest thing to start researching and eventually defining for myself. Hence, I found it being on the list fascinating, and kind of a sign 😉 Another great video - welcome back, Nischa. We missed you last week. Much love 💕 from Canada 🍁.

[@arunk.7708]

Japanese are very unhappy people. Suicides rates are high

[@MeiLee-t2v]

Valuable information, clearly presented without rambling or any distracting background music.

[@alicjadzierzak382]

You can do therapy online with people from Europe. It is much cheaper. You can be even more frugal and have therapy i.e. with person like I - from Poland or therapist from other middle Europe countries.

[@kosterjm]

I will always pay extra to upgrade experiences to make them more fun and memorable. If you’re going to a show or game, pay for good seats, if you’re going to an amusement park, pay for the fast pass. You won’t miss the money, and the experience will be much more fun and memorable.

[@HowardvanRooijen]

As we rapidly head towards short daylight hours in the UK, my #1 mental health / productivity / wellbeing/ happiness tips is: get a desktop SAD (Seasonal Affective Disorder) lamp. I have a Lumie, and the difference it makes between October - March is huge. Best £100 investment I've made.

[@user-yf5je1dn1q]

Is this lamp suitable for working when it's dark?

[@HowardvanRooijen]

@@user-yf5je1dn1q Depends on the lamp you buy. The Lumie desk lamp I have works as a normal desk lamp too. I tend to turn it on as soon as I start working - you notice it from 7am-9am, then the stop noticing it in the morning / early afternoon, then from about 2pm onwards you start to notice it again when the light levels outside start to drop.

[@christinav.3661]

Agree. I use it whilst reading or writing for 30 to 60 minutes in the morning, besides the 'normal' lamp/light.

[@user-yf5je1dn1q]

@@christinav.3661 is that the only time you use it? I'm new to light therapy so just wondering are u able to put it on again throughout the day casually, eg if u were reading at night or journalling

[@robwaz1547]

YOU are yourselves number one fan, so first an foremost take care of number one { yourself }. Just as you pointed out,if not you can forget about everything else. Nice to have ya back in the game, on point as expected 💐👍🏻

[@archiliusfowl3701]

This video is great, especially the points about leverage and Ikigai! Thanks for sharing!

[@nischa]

They are my favourite two!

[@jquinton]

YES!! Who else reads along to the audiobook?!! Helps keep the reading time fixed and helps me with retention:)

[@susanwaterworth5622]

EXCELLENT, as always. I am searching for my Ikigai! Thank you, Nischa.

[@PropertyCouple]

Hi Nischa, I just want to say thanks for your finance tracker. My husband is usually the spreadsheet one in our relationship, so it makes a nice difference for me to be loving the spreadsheets for a change! Lia x

[@aristarabi5201]

I just love this girl. She is just fantastic. I wish she puts more video x

[@bizzyb-tg1kc]

Just to add to your topic of health is learning about your blood type so that you know what to feed your body

[@nathaliyacortez6142]

Do you please have some sorces where to look for good info you trust? 🙏 thank you

[@andreas5563]

Found your channel today and subscribed right away and started binge watching as the videos arent just excellent but you also seem like a genuine and lovely person :) Already looking forward to future topics!

[@lakesnlawns222]

Agreed, and you won’t regret watching all the videos back - and every Sunday, going forward. I’m a huge fan, and for the reasons you mentioned, and more, that you’ll discover.

[@nischa]

Really appreciate both of these comments, thank you

[@sunevanheerden]

Sitting is the new smoking 🚬 and we sleep😴1/3 of our lives so totally agree with the bedding and seating splurge! Thanks for the insights and inspiring me to start my YT channel 😉

[@hnnhml]

So truee

[@langaroyalqueen]

I have been watching you the whole week! You’re my biggest find.

[@nischa]

You've made my day, thank you!!

[@langaroyalqueen]

@@nischa it is my pleasure. Please delve in more into budgeting and templates. It will be of great of help for me and business.

[@LaChicaconSuerte-1111]

a good mattress and bedsheets for good sleep, vitamin B12 either from food or as a supplement, fruits daily, water filter for purifying drinking water

[@dilipaperera2961]

I was planning my first solo trip to Bali and was wondering if you could create a separate video specifically on items 6 and 7. I know your channel primarily focuses on finance, but I would also love to hear your insights on this topic.

[@MarlonKingShow]

Its funny you mention ikigai as i only recently come across this term over the last week or so. Watched a documentary on it and very interesting Japanese concept. But perfectly wraps up what it encompasses. Thankfully i know my calling but whether im using my full potential for it is another question. Defo think its something alot of people need to consider more. Nice work on the outsourcing, really want to do this with my YT but not got enough kickback to start that yet. Nice ideas though, thanks for sharing.

[@neilmckay8649]

I bought a single dumbbell for £20, proving easy enough to become a good habit. Keep it simple.

[@pffff84]

I don't travel solo but that is a point I strongly agree with, I see spending money on travel as investment not an expense. Kindle - 100% agree.

[@heathertormey]

You're the second person this week that I've come across mentioning going on a solo trip. That's gotta be such a moving experience.

[@willmallory9085]

5:44 good running shoes too. They save your feet from injury.

[@case25uk]

I've always worked in the building trade and have always lived by looking after my hands and feet, as they're the 2 main things i can never replace. decent work boots, gloves and any tool that helps make the job easier or more efficient. Also never buy the cheapest version of something - buy cheap, buy twice.

[@ama_x_o]

Loved this. Somewhat unrelated to this particular video but I hope you do a video on how you navigate salary negotiation conversations sometime

[@Lulu-oi9ue]

My goal is to travel around Australia so this well received thanks. Ive been looking at getting a kindle for awhile since it is soo practical for my love of books and for travelling. Im buying my husband a coffee machine for Christmas to save the money from his coffee habit. Im doing the rest of the points.

[@LindyL]

Wow! I didn't notice you are up to over 600K subscribers. I discovered you when you had around 30K subs :D Congrats! And thank you for the great advices you are giving us every week :)

[@IamAnnety]

Now 1.27M subscribers

[@Carla369]

Hahaha the coffe machine is a must. I bought my delonghi machine 10 days ago and I am On love

[@scottw5315]

Been traveling alone for a decade or so. My ex wife didn't like to travel and that was probably our undoing. When I was freed from the confines of making a living I wanted to see the world. I had already been several years in Europe, Asia and many domestic locations in the US when active duty military but I felt like I was just getting started. Anyway, post divorce I had some fun years with a sociopath. That ended about how it had to end. The last decade has been all me. I went back to Switzerland a couple of times. Spent four ski seasons in lake tahoe. Traveled extensively through California, Colorado and Utah. I'm rambling I know but the point is that traveling alone teaches you so much. You learn self reliance without a wingman in the form of a wife, husband, friend. I've had some of my best experiences and met so many interesting people whom I never would have met if I had a traveling companion. You have a lot wisdom for someone your age which I could only guess at but I think I have an idea.

[@huhchicky]

Thanks so much Nischa for all you are sharing- it is very inspiring and I love that it is so practical. I would really appreciate you sharing the harsh realities or reality people don’t talk about of owning rental properties. It seems like a ‘common’ avenue to build wealth but I’ve heard several times “it can be a headache” but that’s about it. Can you speak to your experience or what you have learned being ‘in the industry’ that would help us decide if it’s a goal worth pursuing (or not)?

[@journeyoflifewithroy]

You added a new fan of yours today! 😊 I just subscribed and is loving your videos. Superb!

[@andrewcollins7867]

Definitely agree with the investment in a good bed. One of the best decisions I ever made, spending good money on the best mattress. Good sleep should never be under rated.

[@roubiniyannopoulou7347]

Hi. I have been watching your channel for some time now I truly think that every single one of your videos adds value to your audience. Way to go!

[@SamriBliss]

I inherited a kindle fire from my mom and it still works - I borrow books from my local library and read it on my kindle through the Libby app. 😊

[@33Jenesis]

I was against cc with annual fee until this week. From talking to someone about cruise ship vacation I realized how much benefit and points can be get from such card and status transfer to other membership cards.

[@A_Z716]

Thank you for slowing down your speech pace-it helps me as a non-native speaker understand better.

[@laluna5548]

This made me so happy! Why? Because I have invested in almost all the same things and loved it.

[@LeeHipperson]

Tip: Review your current items more often! You'll be amazed how quickly things get SO much better since the last time you purchased it. Rain jackets, running shoes, phones, water bottles, cameras... often you'll pay the same as you did before for something, and it will be infinitely better. Technologies advance fast.

[@desb3459]

Interesting perspective

[@stacy_bee]

I like the sound of this, but I could also see it becoming a slippery slope for overconsumption. Every year companies tell us that they’ve created something better than last year’s model of the same thing.

[@inspiredby624]

I'd say only think about upgrading once your items don't serve their purpose properly anymore. E.g. slow tech is a huge annoyance so it's worth the upgrade. However you don't need to buy a new phone for some new function that you've never missed.

[@katherinekozlik4087]

Another amazing video, Nischa!!! Thanks so much for always sharing the most helpful content :)

[@sugumargovinda]

Amazing! Basically your purchases were thoughtful investments that boosts your productivity and growth. Best Regards!

[@bertsadventures9974]

I just found your videow, Nischa and I love your approach! Can't wait to follow you and view some of your older videos. Thanks for your insights!

[@GirishMiglani]

One of your best posts. Loved it the most. I have already spent far more time on earth than you and I am learning a lot from you. Getting some validations too, like in this one.

[@gabycanabis]

Personnaly quited Nespresso because of the waste (cups). Now use piston coffee. Only coffee waste, cheaper and more environmentally friendly.

[@estradaj777]

Loved your content, have to change our way of managing our finances.

[@viharm]

This is one of your best videos. I like the clarity with brevity. Thanks.

[@russellwooten8682]

Thank you for sharing Ikigai and the visual diagram!

[@MindfulJai]

Love this topic Nischa ❤😊 Looking into a water bed since I had a flotation treatment recently

[@DiamondMind630]

wow I never thought of that reading and listening to the same book at the same time great idea.

[@kilakilayo]

Can you go over leverage and who you've gone too and recommend?

[@irfansiddiqui9458]

I experienced that solo travel helps you mature and make you confident. Thanks. As usual nice video. I also like the idea of leveraging

[@hnnhml]

Agreeed soll traveling is soo important for self growth

[@lakkarajushankar]

Not sure how 6th one- solo travel increases financials. You just need to be off from all in your own town/place, which is much much cheaper. About kindle - I purchased a 10 inch tablet PC and use exclusively for kindle books and audible. It works best for me.

[@MIKE2ROZEN]

love the vid. as an accountant in Israel one of the things i wish for is working from my laptop remotley and travel the world. mabye oneday it will happen. thank you for sharing and keep posting.

[@shaazmaheen2238]

Love your videos. I definitely think outsourcing is a key way to save time and money, it's just difficult to make that jump and give up control.

[@jaynike6831]

Thanks for all these ideas. All of these makes sense. Can you please give some more insight into therapy. What kind of therapy are you referring to and how to avail that? Thank you.

[@muaiadalhariri970]

Hi Nischa| would you tell me about the software that you use for making up your videos! pls. Your KZbin content is incredibly valuable and insightful. Keep up the great work!

[@saibotmcmiller]

Awesome video! Love it! Another good purchase I made was a mixer. Now I make every morning a fresh smoothie ☺️ and it’s a cheap investment ☺️ you can even use frozen fruits ☺️

[@kylecovert7947]

Love your videos! Can you make a video going over your templates you created and show us how to use them?

[@maelove354]

I do the same with my Kindle, but I just borrow books/audibles from the library.

[@sureshravindran1271]

Everything you highlight is so, true. Thank you. Another good video .

[@imWillJ]

buying a nice calculator and also calendars are also great purchases.

[@nischa]

Love a good calendar

[@nowsheenanwar291]

Nah, you can create your own calender or get those massive calendars with what you need for the day and a scientific calculator from Rymans for a 20 done

[@DeclanHiggins-YoutubeChannel]

I travelled to Lanzarote by myself for a week's holiday previously & highly recommend it. Would also love to see Bali sometime. Thanks for more great content Nischa 😊

[@eRoTiCCrEaTiOnS]

I also read my kindle and listen to the audio version! 😂 I am so glad I am not the only one ✊🏽

[@amazingeducationquestionsa1367]

Hate getting up? Cause: Caffeine can make you overwork and can ruin your deep sleep even if you do sleep and you end up needing antidepressants and therapy. Avoid addictions even if minor and legal. Chocolate, tea, etc., can all disturb sleep and reduce total sleep. Keep it to once a week or just mornings and only if you have a leisurely lifestyle not overworked already. We have huge heart disease trouble here because we WORK TOO MUCH with caffeine as a fuel. Take health seriously.

[@cameupstarvin7351]

I'd consider abandoning coffee for nicotine patches since nicotine doesn't interfere with sleep as much as caffeine - it's half life is a few hours whereas caffeine's can be as high as twelve. Caffeine is an overused psychoactive stimulant in the west and people drastically underestimate how interruptive it is on your ability to reach the deeper stages of sleep necessary for full cognitive functioning whilst awake.

[@cameupstarvin7351]

@@dzevadbayraktar322 nicotine is not necessarily bad for you.

[@natellison]

Thank you for being transparent

[@DJMilez]

Mommy Nischa providing us with that unconventional wisdom yet again. LOVE IT! 💪

[@TomsPersonalFinance]

I really need to get a coffee machine. Im currently buying a coffee from the cafe at work every day and i know it is financially stupid, but just so hard to get out of the habit... I'll be shopping for a coffee machine this evening!

[@clarifyingquestions]

I love, LOVE coffee but since I learned that caffeine causes premature aging of the brain, I stopped cold turkey. Saving my brain and saving money.

[@sashakkkkk]

Coffee wise, I have invested in a coffee beans grinder and V60 dripper and server. This way I'm getting a cafe quality coffee in the friction of the price.

[@jasminescloset2021]

you can listen to any kindle book for free if you have an echo dot

[@itswillielugo999]

Your channel really skyrocketed this year 🎉

[@claudio7830]

Thank you Nischa I am learning and growing a lot with you. Be great ! :)

[@letaki989]

Paying for therapy and exercise is the equivalent of the monthly electricity and water bills for me. I wish people who can afford to spend this money, could understand what an essential investment to one's self these two are.

[@gracedv]

Plus it doesn't cost much to walk which is great medicine. Getting a little rescue dog who loves his walks made it impossible for me to avoid exercise and improved physical and psychic health.

[@hardik.solanki]

This video is too much useful for me and thanks a lot Nischa to provide this content and I love your video ❤.😊

[@maureensolano4873]

The greatest thing of traveling is being able to share beautiful places with the people you love. I feel like it would be a waste of time because I would only be thinking on how my loved ones are missing this or that.

[@getrich01]

This list was more potent than you intended it to be. I learned something new, Ikigai. This will stick with me as I've already added this to my Daily Journal and shared the definition and diagram with others moments ago. Thanks as always for your content. ❤‍🔥❤‍🔥👍👍

[@liceistka2002]

Hi Nisha, amazing video! With regard to the Leverage and your 1st hire - I wonder which platform you used for that? Fiverr? UpWork? Other?

[@HariPrasad-jw5jv]

Excellent video nischa...Good inputs to reflect and implement

[@tywillmakeit]

Always excited to see new video from you. This is excellent!

[@peterjhpark4782]

Man, her voice is so sensual talking about financial literacy.

[@dianacanto-sims70]

I just discovered you and love your content. You're an inspiration. May I ask, if I was to look for an editor like the one you hired, where do you recommend I look to hire one?

[@monikadoyle-realtor9559]

Yeah I wanted to know the same thing! Fivver maybe?

[@danielbernalcavallazzi7175]

Love this one, very honest and straight, thanks Nischa

[@veesvoyages]

Definitely solo travel is one of the best investments I've ever made and continue to do

[@TheSachin88]

On point to the point and for the point !! Good points