Payday Routine: Do These 4 Things After Getting Paid!

[@clearvaluetax9382]

My Free Budgeting Template For You (no sign-up necessary): clearvalueinvesting.com/education/tools/#financial_templates

[@tylerlockard3065]

1. Get Laid 😎

[@SammiFidel-so5tx]

​@@tylerlockard3065😊I like the way you think.

[@phucvuchurch]

Thank you

[@phucvuchurch]

This video is not sponsored by Chick-fil-A 😄😅🤣

[@Kedda486]

Sir my kids my kids take all my money all my money they take All my money 😂😂 you must don’t have kids

[@RomanFranklin-lr3ri]

One of the first things you should do after getting paid is to budget your money. I always make a plan for necessities like rent, utilities, and groceries. It keeps me from overspending.

[@NicholasSebastin]

Totally! And the second thing is to pay yourself first. Set aside money for savings or investments before you do anything else. I have an automatic transfer set up for my savings, so I don’t even have to think about it.

[@ArianaFelicia-cw7oq]

Don’t forget about paying off debt. That’s the third thing. If you have high-interest debt, tackling it right after getting paid can save you so much money in the long run.

[@SarahGonzales-sk6tn]

And the fourth thing? Work on growing your wealth. That’s where financial advisors like Joseph Nick Cahill come in. I started working with him after researching online. His reviews and testimonials convinced me to give him a try, and honestly, his guidance has been incredible. He helped me set up an investment plan that aligns with my long-term goals.

[@TeresaMicheals]

Oh, I’ve heard of Joseph Nick Cahill Doesn’t he also focus on helping people build better financial habits? I think I read a testimonial from one of his clients saying he made complex strategies easy to understand.

[@SarahGonzales-sk6tn]

Yes of course he made things very easy for me, he even showed me where I could be saving more and since I started working with him my life had turned out for the better

[@THuynh-28]

This guy is genuinely trying to give financial help without any gimmicks. THANK YOU!

[@vanallenk5651]

Seriously

[@JuliusTurner-hm6ff]

Yeah right. Listening to this guy and you'll get out of debt and have money by the age of 99.

[@nishanpakhrin7392]

⁠@@JuliusTurner-hm6ffFirst mistake is you being on debt smartass.

[@visaliabsaeteurn559]

@@JuliusTurner-hm6fffor sure he is just like the other rich phucks.

[@karenhiggins683]

This is the realest money advice I have ever heard. Everybody says pay yourself first. You’re the first person I hear say to pay your bills first. Thank you, you are a breath of fresh air.

[@ingood0867]

Exactly, this plan seems doable and realistic. I love him for this.

[@Soulchef21]

Agreed

[@hungp.8191]

Definitely agree. The workplace will lie to your face and drop you when it's convenient.

[@lominero5]

"But we are a family" 😂

[@mraleyqps]

Just like you will quit your job when it's convenient.

[@pierlouis7325]

No family , just maybe amongst employees.​@@lominero5

[@FoxFreak]

@@mraleyqpsfacts

[@vexxcloud5543]

​@@mraleyqpsThis used to happen way more often from the employer side of things until the current generation of workers started just walking out of every job for not getting an emotional health day for literally no reason. 😂😂

[@lydiah7184]

I used to cry every single payday and now I barely remember it’s payday and can pay my bills easily. Grateful ❤

[@lominero5]

Growth is a great feeling!

[@twintwo278]

❤❤❤

[@nerdymichelle]

That’s awesome! I don’t cry, but I am stressed every pay day.

[@jovi8277]

Jealous

[@lyndasjackson]

Congratulations

[@Samurai31631]

I’ve managed to put $30/week away. Those $30/week have added up to $6,500 in the savings account. It can be done. I used to do $5/ week and worked my way up. I use a CC and pay the balance. Get cash back rewards that I apply towards the CC. I bought a used car cash. It reduces insurance and registration bills. Mind you, I didn’t do these things overnight. I first went after the high interest credit cards.

[@goldhawk420]

You don't need that much in savings $2k the most,the rest should be invested in the market.

[@mialovestravel]

@@goldhawk4203-6 months in an emergency fund is generally recommended. $2k likely doesn’t cover that

[@frawdulent]

@@goldhawk420while the markets are at ATHs? No thanks. There’s a correction coming soon and I’ll be there to take advantage. People don’t get rich investing at the top of the market, they get rich at the bottom.

[@jameschaves5723]

@@goldhawk420that could be his emergency fund

[@EitherBendToTheTruthOrLiveALIE]

@@goldhawk42010k minimum in savings. Need enough for 6 months worth of bills God forbid you lose income. So either 10k min or more, depending on your cost of living.

[@sitaramchoudhary8259]

I can’t believe how much money I used to waste before I started following a routine like this. Graciela Lynne Schriewer taught me to put aside at least 20% of my paycheck for savings and investments, and now I don’t have to worry about unexpected expenses anymore. It feels so good to be prepared!

[@LincolnFelix-s4z]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@GraysonNathan-v8y]

The deeper your investment roots, the stronger your financial security will be in the future.

[@LoganGabriel6m]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@AbigailOliviaq4l]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@LoganGabriel6m]

My CFA Julianne Iwersen Niemann a renowned figure in her line of work. I recommend researching her credentials further.

[@AbigailOliviaq4l]

Thank you for this amazing tip. I just looked the name up and wrote her

[@heyitsmorgan7613]

1. Cry 2. Wipe tears 3. Pay bills 4. Cry again

[@eunicebernard3054]

Exactly😂😂

[@RsTu0909]

😂😂😂 fr

[@lenabellamy1262]

Amen!😂

[@imajeznspird]

😂😂😂

[@optimusx51]

Thank you!

[@Mystic_Christopher]

I wish my net monthly was 5k. I skipped all the steps after that and went straight to crying.

[@Nwakaego_]

You’re not alone.😅

[@deegeevieira8860]

😪😪😪

[@michaelgovas5108]

Shoot my monthly gross is not even 5k and I work for the government

[@RedCoolade]

I'm not even half that. 😢

[@dagreatstoney.5869]

😢😢😢

[@darkmusashi723]

Brian, the pay myself routine worked when I was younger. Now bills are paid first. Random items keep popping up especially when you have kids.

[@unholyiiamas]

So many random things when kids are in the picture

[@user_abcxyzz]

Even billionaires pay themselves first 😂 why do you think you're an exception?? Because you have kids? Billionaires don't have kids? You're full of excuses that's all. Maybe don't have kids if you're just going to use them as an excuse.

[@Shelikestocookandgarden]

That’s why I never want to have kids , growing up watching my poor parents struggle badly with money. I just want to take care of myself and treat my parents like they are my kids. I don’t want to make the same kind of mistakes my parents did, having kids just because everyone is doing it. Totally ignore their financial responsibility.

[@user_abcxyzz]

@@Shelikestocookandgarden live your life bro. You are not your parents parent. What a weird thing to say. Are you OK?

[@harvardvillegas4470]

Thank you this world doesn't need your offspring.

[@vh7637]

There is no loyalty when your an employee. Facts spoken 🎉

[@dimov.ivo.d]

I needed to hear this

[@ZZealot-y3u]

Absolutely

[@WestCoastCanuck]

This is not the work world of our parents. Loyalty means nothing. We see evidence of this every day.

[@margiemurray2147]

My dad retired from a company having worked 27 years. The last two years he noticed that there were more and more temp employees coming in, because they didn't require benefits and less and less permanent employees being hired. That was around 20 years ago, so yes a lot has changed in the last 20 years.

[@WestCoastCanuck]

@@margiemurray2147 Many if not all retail employers only have part time employees (with maybe one or 2 full time managers) precisely because they don;t want to provide benefits and then give you weird schedules that change all the time making it so that you can't even pick up a second part time job. You could be working full time hours between two part time jobs and still not qualify for benefits.

[@jennifer3551]

I ❤ the way Brian presents this good advice with lots of humor mixed in

[@clearvaluetax9382]

Thank you Jennifer for all the support! I appreciate it so much!

[@legendgaming0551]

Ever since I started using Graciela Lynne Schriewer’s advice, payday has become less overwhelming. She suggested automating my savings and investments, so as soon as my paycheck hits, 20% goes straight to my savings account and another portion to my investment portfolio. This video reinforces how important it is to manage your money right away instead of waiting. It’s all about consistency!

[@Winkhost]

Looks like she really knows her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive.

[@ThomasMooney-mw2eg]

That is good discipline.

[@MariaTerradas]

i feel i downplayed the role of FA's in the past.. now actively looking to get one.

[@AndrewSutherland-ub3hd]

Impressive!! Also, I did read about Graciela Lynne Schriewer on the web, I was able to find her webpage and leave a mail. I'm willing to make consultations to improve my portfolio

[@ChrisWilson-oy4ec]

I looked up Graciela out of curiosity and found her consulting page. I’ve got to say her credentials are truly impressive! I've scheduled a meeting

[@babyboispic]

You’re the REALIST AND REALISTIC 👏👏👏

[@clearvaluetax9382]

Just keeping it!

[@stephaniea.mitchell8034]

Every family has that one person who will break the family financial struggle I hope you become the one 😊

[@laurenandrews618]

I'm so happy I made productive decision about my finances that change forever. I'm a single mother living in Vancouver Canada, bought my first house on February and hoping to retire soon if things keep going smoothly for me

[@CraidDavid]

She's active on face book

[@CraidDavid]

Derek Mia Scott

[@ZZealot-y3u]

You too and good luck

[@JosephReference]

Literally the best financial guide for 99% of people. Hands down. Clear and no gimmicks

[@GopalRiniya-yv5op]

This routine makes so much sense! Graciela Lynne Schriewer once told me to automate everything-savings, bills, and even investments. It’s like taking the guesswork out of payday, and I’ve been able to hit my financial goals faster because of it.

[@dvsevere]

1. Bills 2. Invest/ brokerage account 3. Save/ bank account 4. Myself (with whatever is leftover) That's at least how I do it

[@clearvaluetax9382]

You got it DVSEVERE!

[@vincentortega4284]

1. Tithe 2. Invest/Roth 401k& Roth Ira 3. Bills 4 save some of what is left.

[@Trujones]

Facts

[@kevinrichardson6686]

The rich should start paying there bills lawsuit bills.. like Walmart

[@user_abcxyzz]

That's a nice recipe to be broke....try reversing that order bro

[@devontorres6449]

Brian you are spitting pure truth. Straight to the point no BS telling it like it is and giving honest insight. Thanks for all you do, people like you are rare these days.

[@sallyyim4427]

I was always taught to: 1. To plan and save for tomorrow, whether you live to see it or not. 2. Live by the amount of money you make and spend it according to needs first and wants if possible.

[@lulatorrey6360]

❤❤❤❤❤😢😢😢😮😮😮❤❤❤❤❤❤❤

[@Vikturneer]

Great advice Brian. Did this and it’s working for me. I’ve always been an advocate of investing because it has paid off handsomely since I decided to dabble in it. I've seen my net worth grow exponentially the past 2 years.

[@Halllaand]

You say it like it's easy forgetting that not everyone is as lucky as you are. I've invested for months now without any progress. How are you able to do it?

[@Vikturneer]

It's totally far from luck. My advisor, Herman Jonas has consistently outperformed the market ever since I got on his program. He has continued to put my money to good use in the market making me optimal return.

[@Pathston]

Do not forget that when it comes to investing, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors or “experts” do not influence.

[@OnlyoneSithembilé]

Hi can he help me? How much is his fee

[@Vikturneer]

Hermanw jonas that’s his gmail okay

[@MM36577]

Finally! Someone calling bullsh on the pay yourself! I hate that. I cant “pay myself”, I’m too busy paying the bills! Its real.

[@southernwanderer7912]

This video is a prime example of why I love this guy's videos. His advice is spot on.

[@MrNinjastab]

I do something similar to this and was taught this to me by my Depression Era Grandparents. 1. Fixed bills come first. 2. Variable bills...ie food and pop up stuff ... pop up stuff are needs for children. Variable Bills are necessities and set amount specific for necessities at specific amount. 3.Set aside all loose change and set 80 percent aside for oh crap account. Example oh crap car needs fixed 4. Only do 1 outing for self entertainment but set max amount to 100 or less. Anything extra which is anything extra from above listed. Set that money aside for up coming bills or oh crap account.

[@determined-47]

😅😅😮😅😮😮😮ⁿ😮😅😮😅⁹😅😮😅😮9ⁿ

[@lulatorrey6360]

❤❤❤❤❤😢😢😢😢😮😮😮😮😮😮❤❤❤❤❤THANKYOU❤❤❤😢😢😢😢😢😮😮😮😮😮❤

[@edwardpresutti2941]

I told my youngest to always fill up on gas every payday...always... At least they can get to work etc...

[@Bvsterrrrrrrrr]

Best advice for this corrupt system.

[@sostrucking]

Good advice or when it gets to half, fill up

[@natalyawalker4068]

Always

[@eddiew2325]

@@natalyawalker4068 or buy an electric vehicle and save the environment from sleepy joe

[@mariacheng4226]

Yes.. I top up my train fare card straightaway too... And pay my childcare fees straightaway... Less worrying

[@bestthingsinceslicedrice]

Another thing you can do if its available at your job is work overtime. When you do overtime be disciplined to set that money aside or invest it rather than using that as spending money for instant gratification. Make the sacrfices now so you can meet your goals later

[@teresahunt5521]

I just signed up for 40 hrs of OT/month. I will be debt free in about 4 months.

[@IVvOOvVI]

Yes, some people are lucky to have overtime, but most will not

[@milkyvanlife]

I moved into my van so I can keep most my money. And it's been my best decision I've ever made

[@Melted-Ether]

I am 28 y/o and am in my first "real" job for just about a year at 75k/yr. Granted, I served in the military for a couple years. Friends of mine have jumped jobs 2-3 times at this point and are making double my salary in the same industry. Goes to show your employer will never be able/willing to pay you as you upskill. Keep learning. Keep looking. Great advice as always from this channel.

[@McCoyReginald]

Thank You For Serving In The Military Sir May God Continue To Bless You Covered By The Blood Of Jesus At All Times Much Love and Respect.

[@houseoflamarr3674]

75 grand is good money, bro

[@Melted-Ether]

@@houseoflamarr3674 it is good and I’m really grateful. I just see people playing the game of earning more by changing jobs. Loyalty just isn’t rewarded often.

[@jonathanlampkin6673]

One of the things I love about your channel is that you genuinely care about people and helping the average American do better and be more successful.

[@Mijah-ff8ib]

No gimmicks or BS, just straight to the point. I truly appreciate him so much for that.

[@judieloux3610]

From a 6k a month income to permanent disability a third of that I am totally strapped. Working on paying off cc one at a time. Thanks for your advice!

[@tanairigonzalez9793]

I am sorry to hear that, best wishes

[@TiffanyT-LaDolceVita]

Yep. I understand, my friend. 🙏🏽❤️

[@tuber6382]

Pay your bills first and pay yourself last. You have the right approach

[@SS-qr5qk]

People think that budget or being intentional with cash flow is constricting. It allows you to have freedom and guilt free spending as long as you take care of the important items.

[@shan4078]

Brian, I'm 71 yrs old and husband is 67 yrs old. I retired in my late 40's and my husband retired at 58. I managed our money just because we both knew that I was better at it than he was. There is always one who is better at managing money than the other one. Anyway I did almost exactly what you are doing. Our net worth is just under 2 million and we are on a fixed income but still comfortable and still able to put a bit of money in savings, when we don't have too much of those unexpected expenses. What you are doing and I did works !

[@michd5471]

Teach me

[@1MCR13]

Shanon I’m in my early 40s and for the last 14 yrs I’ve done my finances in this exact manner, however my husband is not on board and that makes it so difficult. But I’m glad to hear that other people are doing in the same way.

[@christurner8668]

I'm 6 million up right na

[@DearVichelle]

Indeed, common sense reigns! I LOVE not struggling. I LOVE seeing zero credit card balances. I LOVE seeing my savings grow. Honestly, living like this is addictive and freeing! I keep a strict budget, am shopping savvy, and, I LOVE saving money on everyday items. I had to quit my job due to health hazards. However, I am a saver and had something else I had been working on the side. Thank you God! Thanks for sharing!

[@VishuSharma048]

Respect should not be underestimated. Your mature and thoughtful actions are commendable. Thank you, Adrian Ruthnik.

[@music22220]

This is the first budgeting vid that had my complete attention. Wasnt boring, straight to points, good examples and nice voice to listen to

[@jayp4114]

Love your no-hype "straight talk" presentation. You are truly a service to others.

[@Mtn603]

You’re awesome, Brian. I work in the financial industry, and it makes me so happy to hear you give such balanced advice. When I get asked for a good podcast or media source on these topics, I typically steer them here. Of all the YT channels, nobody “speaks the language” as well as you, Brian. Cheers.

[@MattDelovino]

I love you bud, your content is helping generations of people who just havent been taught financial education. Simple, realistic, relatable and effective. Respect!

[@catsandmochaccinos]

Hi Brian, This is my new favorite video of yours and I totally agree with your approach! I had always paid my bills first before investing the rest and I thought I was alone. THANK YOU!

[@tanyakee]

Brian really made me realised wat others said abt paying yourself first are all craps now

[@MinerCyns]

Brian, you really are an absolute legend when it comes to giving financial advice and news. Even though it's not always positive news, it's nice to have someone giving non-bias perspective.👍

[@lukejay5460]

The job searching while having a job is great advice.

[@TechNSaved]

Many of us don’t even have the luxury of indulging in Option #4 anymore.

[@clearvaluetax9382]

I don't understand how I order a simple sandwich and fries and it comes out to $20. It's unreal!

[@JuliusTurner-hm6ff]

This guy's advice is for lazy people who want to take 50 yrs to start making money.

[@kittensmitten3287]

​@@clearvaluetax9382 yep. It's disgusting. Will this ever change?

[@Thatsotaguy]

Bunch of recent “payday routine” videos lately but this was the best one. Realistic and sustainable

[@DelcoBasso]

Well explained. Thanks for bringing up the videos financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.

[@Judynowakowski]

Trading in Bitcoin now is the wisest thing to do now especially beginner.....

[@YouTubeLi-s6w]

I just learned this and telling all my friends about this. Sadly, they don't listen. This video is so good and invaluable. Easy to understand.

[@betsymoore234]

I really like your content. You aren’t sanctimonious like so many similar channels and you touch on topics that affect the majority. Great job. You’re funny through your honesty.

[@Cookieboy70]

I absolutely love the financial discipline you demonstrate while teaching.

[@donnabennett5454]

I've always done this! I subtract my monthly expenses first, then put away a set amount for emergency/investing fund and a separate sinking fund for jewelry, clothes, hair and makeup. Then, the cash left is for myself for each month. I think what they mean by pay yourself first is exactly this. It should go without saying that monthly expenses are always accounted for first. But, paying yourself first means before you do other spending, put the money into the categories I listed before spending it along with your cash left over.

[@starrprice8454]

Thanks!

[@Oompa_Lampuh]

I've been doing this for the last 10 years. Because of laying it all out in Excel, I got myself out of debt and I'm now able to "pay myself" and save even more.

[@briannadau]

I'm updating my budget right now so this is great timing! Thanks for sharing your tips

[@clearvaluetax9382]

That's great to hear Brianna! I wish you the very best on the budgeting and a great day!

[@donnyarmstrong9559]

Perhaps one of you best presentations Amigo! Definitely passing this one along to all of the young folks that wont listen to me, but will pay attention to a YT video! Living my best La Vida Loca here in south eastern Arizona

[@NWAWskeptic]

Absolutely spot on with budgeting in an excel spreadsheet. Been doing test for a few years. It’s like an old fashioned checkbook register. I record every transaction I make. Checking, savings, cash, everything. I know where every penny of my money goes and have budgets plotted for next decade plus. Including budget for vacations, recreation, etc. it’s great for calculating future financials. Just have to have the discipline to adhere to the budget. But seeing it on a spreadsheet just makes things so much clearer.

[@therominator8709]

Paying your bills first IS the TRUE way of paying yourself first

[@shashacollins4420]

Hey Brian it's been a long time since I stopped by my friend. 2 million subscribers later, I am so proud of you, thanks for continuing to drop these jewels off information on us. Truly appreciate it. Cheers my friend take care.

[@clearvaluetax9382]

Hi Shasha! THank you for stopping by and that's so kind of you, I appreciate it so much! Take care and I wish you a wonderful day!

[@newagain9964]

@@clearvaluetax9382 yeah bro. I remember u back in feb/march 2020, when u had a few hundred subs and slammed papers down. Good stuff! 🤙

[@JohnS-il1dr]

​@@newagain9964he also used to bring OF gals on the vid when he was showing how to use Robinhood app. Miss those days.

[@GiPaoCreates]

12:28 wow i think this is the best work advice I’ve EVER heard.

[@XavierCruz-ld2dd]

It is

[@reggiek125]

Brian you are the man! As always simple, precise, real and clear information we can actually use. Put in Lehmans terms. And generous with your time. Thank you soooo much! ❤

[@ryanbv3139]

Wow, you are the only KZbinr who goes above and beyond to help people. I've watched a few others, but they didn't go into as much depth on how to save.

[@freeurmind2871]

I love your videos. You give the best & practical advice all the time for just average, everyday folks. Most of us are no where near rich so thank you very much 🙏 You’re greatly appreciated

[@kyleguebert5526]

Had to pause when you mentioned month to month using Excel. I literally had my spreadsheet open, entering stuff in. I’ve been doing this the last ten years.

[@clearvaluetax9382]

I've been doing this religiously! It helps so much!

[@EmJhay-b2w]

I would like to add one more thing to the list that people should be doing before and after pay day Kick the bad habits, smoking and drinking Just go cold turkey! You can’t complain you’re always broke when you spend $3K to $4K depending on where you live on bottles or packs of poison every month

[@ChantelTGill]

But everyone don’t have those habits to kick. Some people have no habits at all and it still doesn’t work.

[@EmJhay-b2w]

@@ChantelTGill You’re right but the ones who always cry broke most of them have bad habits

[@ChantelTGill]

@@EmJhay-b2w Ok, I can agree with that.

[@Handleitt1]

I wake up and pay bills on my chart organized by paycheck week and monthly expenses list in order by due date. I love to learn new things ❤ so here I am.

[@raybassman7536]

Brian, thank you, this is your best video ever. For those who are focused and pay attention, this video helps more people than all your other videos.

[@clearvaluetax9382]

I appreciate that! And thank you for all the support! Yes, I put a lot of effort into this one to make it practical and helpful!

[@vincefitness414]

Just started listening to this KZbin channel on my drive to work.

[@mikeg1032]

This video is so cute! Heres how my paychecks go... Step one: pay bills. Step 2: broke. No more steps

[@deshawndac4163]

😂

[@kstar1956]

🤣🤣🤣

[@manuelatabic2138]

😂

[@vernonwilliford2480]

Facts.

[@zuozhen4758]

Rinse and repeat!

[@Jazzmin777]

Brian. You are true blessing for us. Thank you. This is so humanly understood, relevant and simple. I don't feel alone anymore in this case!

[@craigadair128]

Step 1 my thought is paying off any consumer debt such as credit cards and auto loans should be priority one before worrying about investing

[@thegrimmperspective]

Definitely some truth to that.

[@bobbyjoe5781]

This is so real. I love the applying for job tip. That 100% makes sense. Thanks for the real info :)

[@planetStreeter]

How do you decide the amount to put toward priority 2,3,4? Is it percentage based?

[@clearvaluetax9382]

Thank you for the super thanks! I would not treat them as percentages. I would treat them as priorities. If you don’t have enough money to fulfill each priority, then you have to make changes (make more money or cut expenses).

[@moniquemeghie7709]

Thank you so much for the honest truth about paying your bills first.

[@rosebloom2518]

Happy Monday Brian! Have a great day!☀️ 🌺

[@clearvaluetax9382]

Happy Monday RoseBloom! I wish you a very nice week =)

[@Funkotronimus]

I’m pretty sure most of those who “pay themselves first” do so knowing they can make everything work if needed. I’m also willing to bet they’ve got little to no credit card debt to deal with. I feel like paying off credit card debt is kinda like paying your future self-money that the future you gets to hold onto because it won’t be going to paying interest.

[@dabbymcdabbington]

Dude, you rock. I’m 22 and this is great information for me, thank you. 🙏🏽

[@conniepleasantnails]

Great video, our household is eating out. We made an adjustment and preparing meals and finding time saving ways to make it easier after a busy day has helped. Thank you for your practical advice 📝

[@managingmonasmoula9811]

I always learn so much from your videos. It is now reinforced in my brain that I need to invest. I need to learn how to do this. I’m very intimidated by investing. Thank you for this video Brian!

[@aleidadeltoro2000]

I am retired and that’s exactly how I do it , thank you for confirming I was doing the right thing .

[@チャーリーブラウン-w8l]

Brian was the best thing we got out of Covid, thanks for the knowledge mate

[@judiehernandez8230]

YOU ARE AMAZING! Thank you so much for the education us financially…. I have been writing all my expenses down every month to keep track of my money and is alleviating to do so.

[@Aarav.999-x1v]

Big thanks, Adrian Ruthnik, for your assistance. Although the steps were challenging, your guidance was invaluable. Thank you, Jon.

[@AskSabado]

I always looked at my 401k as “paying myself”. If i had more, then I would save more. Great channel!

[@k-oiya5004]

Brian's secret sauce, I put that sh!t on everything, lol. Happy Monday.

[@clearvaluetax9382]

LOL K-oiya! Thanks for that laugh and I wish you a great day!

[@k-oiya5004]

@clearvaluetax9382 thanks, same to you!

[@shrj320]

Lol😂

[@appleztooranges]

$100k annual job is now $50k these days. Insane

[@donk8961]

Not where I live. It’s not as good as it used to be that’s for sure but I’m incredibly cozy with only $1k/mo rent and cheap insurance/groceries. If I was still in Denver i’d be broke LOL

[@appleztooranges]

@ I paid house off

[@3Point_Blank]

Probably the MOST PRACTICAL and REALISTIC advice ever! I've always felt "weirded" at paying myself first when there are enormous bills to prioritize.

[@UtkarshTheGOJO]

We need more wise and compassionate individuals like you, Adrian Ruthnik. Your support arrived at the perfect moment, and your contributions are deeply appreciated.

[@jessewashere4734]

Social Media: First thing you do is... Pay yourself. Me thinking to myself: Omg... I've heard that so many times... But get real Brian: BS! I have bills to pay... LMAO! So true! Brian says it like it is.

[@kstar1956]

No he’s right. The only time someone should be paying themselves is if they have cleared a good bulk of their debt excluding the mortgage/rent. It’s much better to be close to debt free then trying to save or invest all the while you’re debt is incurring interest or late fees.

[@LemonTwistSmiles]

From paying for day care and college, to managing mortgage payments. I'm approaching retirement yet inflation is getting worse. How can I generate more income to retire with at least $3m for long term care? I have about 750k in savings.

[@Todjcam]

Paying your mortgage is essentially “paying yourself first”

[@PremiumFuelOnly]

Not really, you dont own the asset...yet.

[@Todjcam]

@@PremiumFuelOnly each payment (plus extra to principal) brings you closer to owning the “asset” 🤭

[@tonyingram4568]

Exactly

[@luxurybuzz3681]

​@@Todjcamnot really

[@Todjcam]

@@luxurybuzz3681 yeah really. Explain otherwise

[@moyagrandison5958]

Brian, if I could shake your hand I would. Thank you so much for your advice. It’s practical and genuine.

[@clearvaluetax9382]

I appreciate that! Yes, I try to keep it real! Thank you for all the support!

[@juanarcos4902]

Wise advice. Fortunately for me my older sister had the same words same advice for me back way back and I did it. I sat my ass down and went through every little spending i had draining me from my money and today I,and i can say it, I am financially stable. I do not make that much money but I have a great financial stability. Thanks for the free and precious advice 👍🏼

[@Nga-1984]

as a single mom: 1. bills 2. food/snacks/household supplies 3. things for kids 4. stress for next paycheck 😭

[@Kedda486]

❤yes single mom here. I have to pay bills take care of the kids they want every new iPhone video games I can’t they are the ones making me broke 😂

[@FUNNYMANERICWHITE]

😂😂😂😂😂

[@mtc-j9i]

Same.

[@queenofspeed9788]

Here too It's not easy

[@randy819]

Bryan concept pays your bills first, not me because sometimes I don't have enough to pay the bills 😂

[@Stockpickervalueoriented]

Best tax/finance Yt channel on KZbin imo.

[@deshawndac4163]

💯

[@Eternallyhopeful7788]

Very good video! Skip Dave Ramsey… this sums it up in simplicity!! Love it! ❤

[@tanyakee]

Yes，totally agree

[@WayneDawkinsThePartyMan]

You have the right approach. Love it.

[@coppermelanativesistar5418]

Thank you! I really appreciate you giving the REAL information/ advice. I’m tired of the lies other people have been giving out that is impossible for people to do. You gave information that any person can use to better their life for now and the future.

[@kckuc310]

Always pay yourself first , it’s a mindset, don’t get into monthly payments unless you can afford, being able to afford is having to pay yourself first. Nobody is saying don’t pay your bills, don’t get into those bills in the first place. People always by homes they can’t afford or $720 car payments.

[@taylamayde]

dont get into payments at all

[@kckuc310]

@@taylamayde exactly, tell my son that all the time, they are robbing you!

[@MeaganGood-yn9wp]

Last year, I was working full time, budgeting groceries, unable to afford date nights, and missing time with my kids. Now I learned how to make money online. Now am a SAHM, homeschooling, and making profits every week.

[@ChigozieUdeh-lh4sp]

Wow that's awesome, investing in alternate income streams should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

[@ArshbyJushua]

Am looking for something to venture into on a short term basis.

[@MeaganGood-yn9wp]

Cryptocurrency/stock investment, but you will need a professional guide on that.

[@MeaganGood-yn9wp]

Facebook 👇

[@MeaganGood-yn9wp]

Evelyn C. Sanders

[@denaetak1147]

Thank you! Your advice is far better.