ACCOUNTANT EXPLAINS: The Optimal Order of Investing Your Money

[@nischa]

Try out Brilliant: FREE 30 day trial and the first 200 subscribers also get 20% off - brilliant.org/Nischa/ 👉🏽 My Intentional Spending Tracker (free) - nischa.me/intentionalspendingtracker

[@abhi3238]

Would you suggest maxing isa first or putting the money towards first house? Which one have financially better return?

[@saverasavera3652]

I LOVE how you get straight to the point ughgh such a relief fr so many people waste so much time the first few minutes.

[@AidenLiamf7q]

I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

[@NatalieHannahq3g]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@IsabellaAriau2m]

That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.

[@SophiaChloé6f]

Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks

[@IsabellaAriau2m]

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

[@SophiaChloé6f]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@richardh6964]

The sense of freedom and relief having an emergency fund gives you is really hard to describe. I still remember the point where I made it a priority and not having to stress about money when your car breaks down or you get fired from a job is life changing. For that reason alone I would agree it’s the top of the list.

[@LeeHipperson]

For average earners, paying off high interest debt and paying up monthly subs is GOLD. 6 leaner months will soon fly by. I paid off a credit card, phone, and my gym. £310 extra per month made available. For average earners this is as good as a 10% - 13% pay rise.

[@RamonaMaruster]

I was blown away by this video. I come from a poor country and I am literally financially illiterate. I am so grateful I found your channel Nischa and I thank you for from the bottom of my heart for your videos.

[@samyafawz3695]

Same here x

[@francy-mv6zt]

As someone who works in finance, I totally agree with your advice. I will just immediately create a 3 to 6 months expenses emergengy fund before anything else to avoid making new debts. Unfortunately in Italy we don't have tax-advantage accounts which are an amazing opportunity

[@claahimaxamedclaahi221]

S

[@sledgex9]

In Italy, and other EU countries, it makes sense to invest into ETFs that are marked "UCITS". These are supposed to be tax free across EU members.

[@francy-mv6zt]

@@sledgex9 the profits when you sell them are taxed at 26 per cent

[@sledgex9]

@@francy-mv6zt Profits from UCITS marked funds must be tax-free in an EU country. That's part of some eu directive IIRC. You should research it. Now it's another thing if national law hasn't been adapted to the directive. IIRC there are cases where citizens the tax against the EU courts (versus the national courts) and won because the eu directive is clear that UCITS are tax exempt on all eu members.

[@malo1996]

@@sledgex9 its simply not true. You have no clue what you are talking about!

[@Sonia-rn1zz]

I saved up a 12 month safety net plus an emergency fund. Took a few years, but I got there. I cannot express the peace of mind I feel from having that security - like a warm blanket around me 😊

[@Kado_Tornado]

For what it’s worth as an example to others: I am aggressively paying down my mortgage, on track to finish in 5 years on a 30 year mortgage. You could definitely argue that this does not make financial sense compared to investing the cash instead, but it is my only debt remaining and I still invest in my 401(k) and stocks at the same time. The psychological benefits are worth it to me.

[@lydiasalerno2320]

Amazing! Well done! 😊

[@Xspeedspec]

Yea if it makes sense to you then do it. If someone else feels better to not pay off low interest mortgage and have a lot in invested savings then that’s right also

[@thisnthat42]

The way I see it once it’s paid off you know that is something you no longer have to worry about if something goes wrong, say with your health. Instead of having to juggle money around when it’s already a stressful situation.

[@stocksxbondage]

Great job! Although it doesn’t optimize net worth, it does make poverty almost mathematically impossible. Even if you are ill/injured, have to quit work, and live on food stamps, complete worst case scenario, you’ll still be able to pay utilities and eat. Housing is the largest personal finance expense even for upper class Americans. I’m investing instead, but paying down the house must be a lifestyle-mindset changer! Having the value of the house in diversified investments is what gives me that freedom feeling.

[@henghistbluetooth7882]

I’m also overpaying and not just because of the psychological payments. The thing I never hear in these videos is risk. Paying off a mortgage - especially a variable rate - means eliminating a massive risk. It is literally the roof over your head. Investments vary - even if they go up consistently there can be substantial, and lengthy, dips. When my mortgage is paid off in 3 years that’s it - my family has a place to live forever.

[@Umearrr]

Your videos are the only thing I look forward to on a Sunday. Thank you for being so consistent and for being such an inspiration to me.🙏🏼

[@casualuserish]

you need to get better sundays

[@nischa]

@sheikhaa100, thank you for joining me every Sunday!

[@RazorSPoint]

​@@casualuserish totally subjective. That's why the suggestion can at best only be surely for you.

[@sugoruyo]

One thing about the emergency fund: remember to adjust it on, at least, an annual basis AND/OR when you expenses increase substantially. In the first case, make sure you’re keeping up with inflation by adding cash to the fund to account for Costco of living increases. Easiest way I’ve found, take your total saved, add current inflation, divide by 12. Add this amount monthly to the emergency fund. At end of year, redo the calculation and top it up as needed. Try to keep the emergency fund in easy access savings to counter around 10-20% of inflation. At major events, say having a child, getting a pet, buying a house and having service charges or maintenance to cover, recalculate the emergency fund amount needed and budget to top it up accordingly ASAP.

[@lakesnlawns222]

I'll have the list framed and hung on the wall - this is so precious to me, and a huge validation, and an explanation, of why I am constantly being told I am doing better than the majority of Canadians, financially. Although a single mom, an immigrant, and currently a public servant, i managed to achieve the whole list in 12 years here, and of course, what I was building for my life before that. I am a huge believer in continuous education, which helped me change careers drastically from a teacher to an IT - and now with Nischa and Ali Abdal's videos, SKillshare etc, I am learning skills and building the knowledge to start a side hustle or two. Thank you so much, Nischa, and much love 💕 from Canada 🇨🇦.

[@Tashas_Travels]

I just hit my $1000 emergency fund goal. I am now making the move of investing $100 every month into government bonds. (From July 2023 to July 2024) Then simultaneously when I’m investing in the bonds , I will be saving another $100 towards my 6 months worth of living expenses ( will move to 12 months when I hit the 6 months goal).

[@swithheld9905]

congrats!!! why bonds and not a high interest savings account? do they offer a better interest rate at the moment?

[@wfp67k2006]

I like that you consider the psychological part of investing and finances.

[@WH-dm1jl]

Well done. As a CPA in the States, nice job relating the US and UK versions of similar vehicles to each other.

[@lagatha9774]

I am probably a bit older than your key demographic but I always learn something new from you. Keep up the good work.

[@ManontheOutside]

Great video 👍 The only point I'm not sure of is where paying off your mortgage fits into the order. There are lots of variables as you say, but something which is hitting lots of people at the moment is mortgages jumping from fixed rates on very low percentages, to much higher rates when their fixed rate ends. The bank base rate is out of your control and you could easily get caught by a significant jump in your repayments. So what was low interest debt could suddenly become a high interest debt literally overnight. Main issue then would be that because houses cost much, much, more than cars and other cheaper items of debt, you're suddenly paying huge amounts of interest debt to the bank to keep the roof over your head. I'm using a combination of investing but also making significant mortgage overpayments at the same time while my fixed rate is low, so I can mitigate the impact when higher rates hit. There's no perfect answer as everybody's situation is different, but I'd be interested to hear how other people are handling this. Thanks again for the great video!

[@adamp6320]

Agree with your point - the last year has seen the largest increases in mortgage rates in history and it throws a curve ball into the traditional advice that mortgage debt is good debt and not to focus on repayment. As well, in America the terms are often fixed for 15-30 years vs the 2 and 5 year terms in the UK and Canada, so the advice can differ considerably!

[@perthwhiteswesternaustrali4477]

Agree, my mortgage has gone from 2% fixed to over 6% variable. Reducing that is my number 1 priority.

[@palmtree-e2l]

It doesn't make sense to overpay your mortgage if you're on a low fixed rate. You're better off putting the overpayment into a high interest savings account and using it to pay towards your mortgage when you come off your low rate.

[@Maxine1287]

Mortgages are still one of the lowest interest debts. Unless you over pay a significant proportion you’ll find your overpayments will not reduce the interest owed by very much. Current rates are not historically high we have just been used to very low interest rates for a long time. Long term the stock market should outperform mortgage interest rates.

[@vijayshah4880]

Nischa, Thanks for updating us every Sunday..

[@nischa]

It's a pleasure!

[@mrgjsolorio]

This advice/order is basically the gold standard in the personal finance world. I'm glad you are passing it along Nischa, it is fantastic advice to everyone and I definitely recommend following it.

[@VS257]

No it is not. She forgot about Taxable investment accounts. If you max out on your tax advantaged accounts, its smart to invest your money in a taxable account as long as it is tax efficient assets like low-fee unmanaged index funds or non-dividened paying assets.

[@The_Waraba]

@@VS257why non-dividend paying assets?

[@honeynounou5894]

Nischa, you are a machine. I don't know how you manage to pull off such awesome video content and have a full time job in an investment bank. I hope this soon frees you from the shackles of full time work to teaching us more about money management. Thank you for taking the decision to make these videos. You have it down to a T. Just look after yourself, I hope you don't burn out from all the hard work

[@2024Red-j5t]

i just sold a house and i want to invest around $200K now, is it a good time to buy stocks? I just want my money to keep outgrowing the inflation rate!

[@Countstep0099]

i'd rather buy ETF's than invest in individual stocks. if you don't have experience or don't have time to monitor your portfolio, you should consult with a portfolio expert to guide you.

[@Resmith18S]

if you don't have experience or don't have time to monitor your portfolio, you should consult with a fiduciary to guide you.

[@LeepinLeopard]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.

[@Petroguest-i4g]

Pls how can i meet this advis0r? i want someone to help me invest an Inheritance, i dont want to lose it to inflation

[@LeepinLeopard]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Melissa Elise Robinson for years and highly recommend her. Look her up to see if she meets your criteria.

[@kichiii_]

appreciate how you make your content bitesize so its easier to digest, thanks! looking forward to more content

[@cadmuscassey]

Very true statement, what we are thought in school is kind of different from what the real world is. They really shine teaching us how to save and companies to invest in.. Thanks Nisha for this video still watching

[@curtisdavis8594]

Yes!! Don't wait to start investing...but still pay extra on mortgage.. Thank You

[@albertozorzi1876]

The fact that so many people are using credit card with interest rates of 20% blows my mind, in Italy we might be generally poorer than the USA or the uk but NO ONE is willing to spend money on a 20% interest rate

[@ushasundaram1]

Options for paying off mortgage will also depend on age and job security. If your job situation is precarious, if you are fearful of losing your job and are not confident about getting a commensurate job with the same level of pay and benefits, if you are a slightly older worker who is competing in an age-unfriendly job market, I would suggest paying off your mortgage. The psychological benefits are enormous. It gives you more control over your situation.

[@sertanhasan1176]

I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with , Love the knowledge keep it up *VRI TOKEN*

[@soscreativity]

Practical advice from an expert! Nischa's breakdown of the optimal order of investing money is invaluable for financial planning. Can't wait to implement these strategies!

[@jordonbay7778]

As a CPA, I agree with all your points. I appreciated your insight on mortgages, as most people fail to understand how paying off your mortgage early is a very poor use of cash. That cash can assist you in furthering your journey to accumulate wealth. It doesn't make sense to forgo 6% or more of growth in the free market to avoid more interest on your 4% mortgage that is backed by a very valuable asset.

[@camzy01]

Possibly my favourite video you've made simply for how easy it was to follow on from whichever stage you're at. Kept each segment detailed but fairly brief too. Thanks for sharing your knowledge!

[@sonerbektas1255]

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *VRI TOKEN* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

[@samyafawz3695]

You did a GREAT job prioritising my financial goals .. God bless you

[@sanjayahlawat2826]

" I am the least Tech savvy person.....". Lets' see- professional lighting that makes her skin look so good, high tech camera, high tech sound system, excellent us of IT and media, in fact the best use of the latter I have ever seen. I never watch investment videos but I can't stop watching her's. I'm learning a lot here and I thought 'old dogs can't learn'.

[@drewforrest]

New subscriber Nischa - love your clear, simple and (FINALLY!) easy to understand insight. Great great work

[@nocturnaldrive9214]

Congrats on 500K, Nischa.

[@pubg_47]

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *VRI TOKEN* , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

[@NoirMorter]

This is a very good way that's both optimal in freeing up funds and saving money in the long run. For me personally between the debt avalanche and snowball I prefer the snowball because as I see the number of debts go down and more of my monthly expenses being cleared it motivates me to continue to clear all of my debt. To clarify, if you have no problem with motivation or financial discipline her priorities are the best I've heard and explained. Happy days everyone!

[@hanspeterhagblom8484]

Thanks for making the video. That is some great advice. I think these basic pieces personal finance advice should be mandatory in secondary schools.

[@RickPage-i3i]

"being mathematically optimal is different than psychologically optimal and the psychological comfort of knowing you have a small emergency fund ... frees you" Brilliant.

[@FlavioMuggianu]

Thanks Nischa! Binge-watched most of your videos, very enlightening!

[@BorisV8V]

Another brilliant video!

[@GrandPitoVic]

I really enjoy listening to you talk about finances. You are very intelligent, and your British accent is comforting. I really love the British accent. You are a beautiful woman. Your smile is reassuring.

[@ShumuStudios]

Love the small nod to Fight Club at 1:47

[@Andy-wp6lj]

Nischa’s baby steps! Mr Ramsey eat your heart out sir 😂🤣😂🤣

[@gloriaalex11]

I don't find their steps (or those of other entities like The Money Guy Show) very different, just shuffled a bit. In the end, we obtain sound common-sense financial advice from a variety of sources to make informed decisions that are best for our own financial situations. And all the channels get views. I call that a win-win. 🏆💰

[@JnSxSam]

Definitely agree with the list and thank you for all the insights!

[@ManojAgadi]

Amazing Information Nischa.

[@Moneybyharpreet]

Great advice reference the emergency fund ! And paying off debt

[@richardmcgreary6368]

I've been making overpayments on my mortgage, but knowing that I could be making 8% interest in a stocks and shares ISA completely blows the wisdom of doing so out of the water ! Just that one piece of information alone makes this video worth it's weight in gold!

[@WilliamLyons5]

Stocks aren’t a guarantee. Paying off your mortgage early is. You can do both.

[@oliverladykillerbiscuit]

Glad I found your channel, thanks for the great tips Nischa!

[@or8t]

Solid general advice for sure. I feel someone desperately needs to make a UK specific/maybe Canadian/regarding remortgage rates. Its certainly to the point where large increases to mortgage rates and repayments really sqews the numbers for these personal finance recommendations.

[@xristinarose2409]

This is finally something logicall and reasonable. Most others say to invest or buy gold, but that s really not helpful if you dont have saving nor anything to invest with. You first need a stable basis NOW before thinking about 30y later

[@BlackConsensus]

This is now the standard of all KZbin videos

[@Flex999]

Would love to see an investment portfolio video

[@j9_njoroge]

This is brilliant!. Thanks Nischa.

[@enragedbutterfly]

I haven’t even watched the video but saw the thumbnail while scrolling and saw that you put the list right there and didn’t do this whole bait title, yammer on for 4 hours and finally get to the entire reason I wanted to watch the video. I’m so tired of that but I also understand that they need engagement and that’s a tactic/trick that’s taught. So I’m here liking and typing this rambling reply to give you the engagement you need to say thank you for giving us the dang info up front.

[@a1smith455]

Thank you so much for sharing your knowledge! I've been on the path to financial literacy for a little while now. I'm finally going to stop procrastinating and make my money work for me and not the other way around. Your guidance has definitely inspired me and boosted my confidence to do so. Thank you so much again for your selfless service. Do you offer virtual consultations? Please let me know when you get a moment!

[@bekindandmerciful5145]

This is just fantastic.. Summarised amazingly

[@KarenCooley]

Love your videos. You break it down in a way that anyone can understand. Thank you so much! Already subscribed about a week or so ago.

[@singaporeancrab718]

In the Philippines, we call the tax-advantage account either the SSS or the Pag-IBIG fund.

[@deadspeedv]

We usually have 1 month of income in an emergency fund. As for the larger 3-6 month additional fund we do not have because instead we pay $15 a month for income protection which will give me 90% of my income for up to 5 years. Also having your emergency fund sit in a mortgage interest offset account will provide a higher return in long run than a normal savings account.

[@sgomez3047]

Good stuff! Thank you, Nischa!!

[@thesunow]

Week 5! Let’s get it!

[@ckwkta88]

Safety net also includes having insurance for people staying at places without a government-backed comprehensive healthcare. National healthcare in my country covers most things, however newer (more expensive) treatment options are not covered. 6 months salary savings plus insurance definitely give a psychological benefit and avoid prematurely selling equities that you own for emergencies.

[@mehdi1163]

I love your channel , you explain things so well

[@black1blade74]

Me watching this as a phd student- ah yes I base my decisions in life off financial decisions. In all seriousness, my first year has been a bit of a shock since I've moved to a very expensive city at the same time as prices getting absolutely insane. All the money I saved up whilst in undergrad I pissed up the wall and I'm worse off now even though I'm technically getting more. Think at the worst I've been £750 into my OD. Tbf I'm putting money into a monthly saver atm so by next year I should have the emergency fund covered (which tbf I might use to learn how to drive instead...)

[@chemquests]

Standard advice but it’s much more pleasant coming from her!

[@taresy6789pp]

As a woman how do you define a man success financially etc, because our financial circumstances change over time, thankyou very much lady😃

[@Chikou14219]

Thank you so much for tailoring your video to UK and US!

[@nilshah6521]

NISCHA Thanks a million very nice video God bless you 🙏

[@Nilin74]

In India, there is an exemption upto 200k of debt payment on housing towards income tax. But, very good work Nischa. Am a regular watcher now

[@samsmusichub]

Thanks.

[@CaptainPlanet007]

Came for the content, stay for the beauty.. and content!

[@hemantparakh6462]

I wish to start off with an online Degree in Accounting with the following bands 1- Birth certificate in Accountancy 2- CA Group 3- CPA Group 4- ACCA Group

[@MasoodKhan-d6z]

Hi nischa, I came across your channel happy with your content lots of good information

[@ercanvarol4433]

Finally thanks for the update! I'm trying to hold a million dollars worth of *VRI TOKEN* . Oddly enough it's a sleeper for some weird reason that not many KZbinrs talk about in regards to lnvesting. It has had steady growth since its release.

[@MrKevSm1th]

Thanks Nischa!

[@DhishanDhahampriya]

really love this

[@michaelcarroll8570]

One month is very light. The compounding effect of not having large debt such as mortgage is huge. It’s also a guarantee return relative to market.

[@sachsuccess]

Hey Nischa! After being inspired from your journey from under 10k subs back in Dec, I finally started my own channel! Keep it up 😁😁

[@HariPrasad-jw5jv]

Great insights nischa....

[@deadspeedv]

I am very happy here in Australia to have Superannuation where your employer must contribute 12% of your income into a super fund. Although you can contribute more up to $27,500 per year pre-tax there is no employer matching.

[@anto_runs]

you explain your ideas very clearly, thank you for a great video.

[@searklarak]

Investing in property is ideal if you have the funds to do so asap. I started out on the grad scheme with the Big 4 and managed to save a lot by living with my parents until I was in my late 20s (31M, now working in Corporate Tax - Senior Manager). I bought a 1bed new build fairly close to Canary Wharf a few years ago and am looking at my first BTL property to rent out next year. I paid off my student loan as it was only £3k a year back then and own a second hand iPhone 12, use my work laptop for [responsible] personal purposes and drive a used car as I can't justify spending full price on what I consider as non-necessities. It doesn't mean you can't enjoy life, it just means you're prioritizing saving for something else first in the short/medium term.

[@Dnserror88]

Thanks for the video. I kinda did the same thing. Saved up €1000 for an initial buffer. Then paid off my student loan debt (wasn't too much, around 8K), then saved 6 months worth of expenses. And now investing in ETFs. Feels great to be debt free, have a nice buffer, and to see my money grow.

[@king_huzun_0]

Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *VRI TOKEN*

[@elizabethkahn9155]

I got my associates in accounting not too long ago. This video is very helpful. I wonder, where does saving for a house when you are renting fall in this order? Only debt being college loans? Pay them off completely before getting a house?

[@jessicaw71]

Love the vids, its great as usual, also thanks for the brilliant app been studying a bit using that.

[@adamhesse2586]

Brilliant video!

[@kins888]

I think paying into your workplace pension beyond what your employer contributes is also worth mentioning. It might not be instant access but is there a better return, particularly for higher earners?

[@evgenyamorozov]

if you believe that you'll get it back, when the time comes...

[@WilliamLyons5]

You’re better off opening your own Roth IRA beyond the employer match.

[@kins888]

@@WilliamLyons5 Depends where you are in the world. Probably not for the UK.

[@mfonudoh7940]

I have been following your Content for a while now and it's been amazing. Funny enough, I have an Accounting Degree and will be starting my Career in Banking in the next few weeks. I guess it's time I actually apply all you've taught me (through your Channel) in full force, because I'm sure I'll be able to reach greatest of heights with them Again, Thank you Nischa💪🏾💪🏾

[@AggiesVine]

Hi Nischa. Happy Sunday and thanks for these finance gems. They help alot and I also incorporate some on my channel as well. Bless🙏

[@nischa]

Happy Sunday! I’m glad they’re helpful

[@miracyesildal]

Can't deny the fact that *VRI TOKEN* has the strongest bet to bring lights back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good but the pressure is too high and I think they will keep proper liquidity rather than these others. Don't see them going bankrupt any time soon.

[@TonyKimCre]

I use 6% to pay down credit cards as inflation cost of products and services are in the 5% range

[@bbroadwell-r1q]

Should make a t-shirt out of what you said...you may use credit to buy a new car to impress people you know but that you do not even like!!! Best quote for the year, especially in light of all the repossessed autos.

[@JakeSpradlin2]

Great video! This is nearly exactly what I do. I love paying myself first and automating everything

[@salihmuhammeddonmez8026]

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss *VRI TOKEN*

[@MrTravolta24]

Great video. Whats missing is pensions for self employed people who don't have employers to match

[@WendyIrene]

Loved this!

[@AliceDickinsonx]

I think tax advantaged accounts only exist in the Uk and the US. Spain and most of Europe don’t have this… :( also i only have 2 months of expenses in my emergency fund but I invest in the stock market because I want to get the returns asap

[@freakerss]

Canada has several different flavours of tax advantaged accounts.

[@PropertyReview]

Great video as usual much appreciate your fine work and communication

[@nischa]

Thank you