Do This EVERY Time You Get Paid (Paycheck Routine)

[@Susanhartman.]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@Grace.milburn]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@ThomasChai05]

Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn

[@mikegarvey17]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@mariaguerrero08]

@@mikegarvey17who is your advisor please, if you don't mind me asking?

[@mikegarvey17]

"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@BigPhilly15]

I track money with pen and paper. for some reason, the tactile act helps make it feel real, and keeps me more disciplined. I guess it’s because I’m Gen X. Great video.

[@AndreaJames-dv1rr]

Me too!!!!

[@whatsavailable._]

I do that too but I'm a Gen zer😂

[@krissi2584]

Me too I keep a Record book and track spending and budgeting. Gen X the X is for excellent lol

[@tallyp.7643]

I'm about to start doing this. I have journals all over the place and will dedicate one for my job. I usually have notepads for everything, but I work a serving job and saw one of my co-workers putting in her earnings each day and double checking on her own journal/planner. She's half my age and already has it figured out (facepalm). Thanks to job upheavals for a few years, unexpected home expenses I had to use the inheritance to pay off...I've been thoroughly ignorant as to my actual spending ability for FAR too long (dad was tight-lipped about discussing money, so I learned a lot of things the hard way). So I've made some calls and am working to kill my debt and pay basic expenses without credit cards. I already know I don't make enough to do that, but I am getting a promotion at one of my jobs (small one, but every bit helps) and looking around to see what I can sell or how I can save money otherwise while I get income figured out. Whatever paycheck I pick up the next few days will be what I start with on Feb 1st, and this will be interesting. Glad I saw this because it's great timing.

[@BigPhilly15]

@@tallyp.7643 I’m also a server. It makes it way easier to project money and follow trends when you track daily earnings.

[@RaymondKeen.]

In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

[@Jersderakerguoe]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@Hectorkante]

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?

[@Jersderakerguoe]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

[@richardhudson1243]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@thepastafarian7711]

More videos with the mustache please, it helps me focus on what you’re saying.

[@JanetBrandt0]

I am curious, As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.

[@WallaceM.Hilliard]

Yes, you are right. it's been a brisk tailwind for investors in US stocks over the decades but it is still a delicate season now, so I advise you to consider the guidance of a financial advisor.

[@trevorkelly5036]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@LaurenJ.Gordon]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.

[@trevorkelly5036]

Actually its a Lady. Yes my go to person is a Leicia Zavala Perkins . So easy and compassionate Lady. You should take a look at her work.

[@JanMuench467]

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.

[@araceli3707]

"Una vez cada mes" me encanta 😂😂😂 you're the best, one of my favorite KZbinrs. To be honest, I listen to your channel to improve my listening skills and broaden my range of expressions. Hugs from Spain

[@rhondalyn100]

Another informative vid, Agustin! "Stach looks good, living room looks great. How about a comparison of why one (like you) chooses to rent over buying a small home/condo for investment purposes. I've always heard it's more fiscally appropriate to purchase a home rather than rent. Thanks!

[@Luncheon23]

1:42 That is such an efficient spreadsheet Agustin. Please do a special video when you reach 100k 😊

[@ElAgustin]

Thanks!! It's getting close to 100k! I can't believe it...but knowing how much I worked these past three years, I can believe it, haha.

[@Luncheon23]

@@ElAgustin And it is a well-deserved success! I'm very glad to be one of your subscribers since 29k and I will be one as long as the channel lasts!

[@whatsavailable._]

Thanks for the amazing video. I also go through a lot of stress because of my unpredictable pay but your rip on looking at the big picture really hit me. It calmed me down once I thought about it for about a minute. Thank you❤. Love the mustache by the way❤😂

[@Sarndra-lifeplanretirement]

Love a good payday routine great advice 😊

[@danicegewiss862]

I have a calendar. Each Friday I have a bill or two that needs paid (e.g. electric, WiFi, water, cell). They usually= about $200. I put $45 in my Christmas club, $150 for taxes, our weekly cash, $100 for stocks, and $100 for savings, my husband's husband covers his bens and 401k. $25 goes in regular savings. Of that $100, most of that goes towards emergencies.

[@eizqarqash1991]

Thank you Austin for all the financial advice/lessons you provide to us 🙏🏻

[@Ken-xr8lf]

Austin, you could have a part time gig teaching students that are not doing anything but maxing out credit cards and the debt is piling up. Even adults that have no clue how much effort it takes to save money for the future.

[@krissi2584]

Hi Austin I love your videos and your mustache. Like my Italian Nonna would say "Sono Solo Gelosi" = They Are Just Jealous. Don't let those weirdo's commenting about your facial hair bother you. I think you look very handsome with your mustache.😊

[@judithgrace9850]

Always help deserving others.

[@PipoGirlTv]

"El Agustin" Love it and appreciated

[@MsDoglover02]

I was just introduced to you and I believe you look handsome with a mustache. LOL Thanks for the spreadsheet!

[@gerrikim8545]

The value of this budgeting process is the complete cycle, from details and data and daily to high level life progress and performance in practical steps, checking off each step for financial peace. Great advice. I hope more people will watch and take heed because you are saving them so much unnecessary stress and suffering. 👍🏻

[@sylviajacob7974]

I hope to learn a lot from you Agustin. You r doing well.

[@canpin]

Keep the 'tache bro. 👍

[@whfh178]

Hope you enjoyed your stay in my country ❤

[@arthurmantzouris4413]

Austin....My money comes once a month. But I pay myself first always....and i don't go out to eat but once a month......and then I'm out of debt bc all my bills are paid on time...bc they are on auto payment and I'm debt free....😊😊

[@jeffkoetting6217]

Thanks Austin! GREAT mustache ❤️

[@ligy30]

Moustache enjoyers we rise

[@ElAgustin]

Rise up!

[@Walking_w_Jesus]

Men need a moustache/beard 🙏🙌

[@francismcpherson3597]

Would have love to see a glimpse of your vacation. Just to take us to a different setting 😊

[@ElAgustin]

I have pictures, but I wanted to keep it for myself, haha.

[@leannejayne3545]

Another fantastic video, thanks Austin! You’re getting close to 100k 🎉

[@nicolasbenson009]

At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.

[@BridgetMiller-]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@DorathyJoy]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@Hectorkante]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@DorathyJoy]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five aiyears now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@ScottKindle-bk3hx]

That's great, your financial advisor must be really good, I have seen testimonies of people using the help of financial advisors in making them more financially stable. I just discovered her exceptional resume when I made a Googled search of her names online. I consider it a blessing that I discover this comment area!

[@zo_471]

I’m noticing that the personal finance KZbinrs all put out the same videos at the same time. Eg - do this every time you get paid, why the first 100k is the hardest, wealth is quiet/looks poor

[@mackenziemanderly9608]

100% accurate. And yet, here I am watching this one. I do wonder why that’s a thing, though. Like, who is the one setting the talking points that everyone else decides they just have to make their version of the same exact video? Anyway, love the budgeting spreadsheet - been using it every day this year, and it’s helped a ton.

[@videomgs]

I love the spreadsheet and plan to suggest it to a friend who is currently struggling with how to better managing his money. Thanks as always!

[@papafinance]

great content my bro, greeting from London, keep the good work up !

[@rocioocampo8735]

Great job 👏 Agustin😊

[@titomc1986]

Pura vida!! Excelente video Agustin el bigoton :P

[@scottyboy4335]

That mustachio is so groovio!

[@lateshachurney5965]

Great video. And keep the mustache. Looks great.

[@thefinefrugalline3232]

Love the moustache Austin. My son is your age and has one too which I also love 😊

[@Revert2017]

I love payday budgeting.

[@KarenReusch-j1u]

Love the"stash" Augustine! Either way... You are handsome!😊

[@HOLY.SPIRIT.LOURDES]

Wow. this really helped me

[@Teresa-o3i]

I traçk everything i spend as well, but i have a spreadsheet active every month and fill it in each day or second day. It takes a couple of minutes each day. I have lines already populated with fixed bills and just update it each month if the amt is off a little from the actual bill pymt.

[@BudgetingJustBecause]

I’m dying over the mustache hate 😂😂😂

[@tanpham7411]

Thanks for sharing, Augustin! You are getting to 100k real soon.

[@eizqarqash1991]

Nice mustache and beard. Keep them plz 🔥🔥

[@brndnt925]

I sure hope people are paying down their debts before worrying about dental insurance. Especially if you have emergency savings. Personally, I’d cut all expenses I could and take the bus if you’re carrying bad debt.

[@kallistoindrani5689]

5000 dollars for one month, that is indeed very good money!

[@Godspit6066]

Thank for mentioning Roth ira ima look into it,i have an emplyer,but i'm an independent contractor, i pay my own tax,i dont wanna change that.

[@livelearn06livelearn86]

You can have Roth IRA.

[@Godspit6066]

@@livelearn06livelearn86 yes,thanks ddnt have any idea about learn some new everyday.

[@aprilm2664]

Loving your mustache

[@theoriginalDAL357]

The facial hair looks good, keep it.

[@nygrl6102]

Cute mustache! 😻

[@ArfatBukharai]

Excellent 👌 video

[@purplequeen1727]

LMAO @ the mustache comments. You are fine! Great video Austin!

[@Scarface1337_]

I analyze my spending through my Chase bank account, makes it very easy to see the in-out of my finances. Just started a Roth IRA and already have 2k in on dividend stocks, how am I doing Augustine?!

[@GrannyLinn]

The beard and mustache look good.

[@AccordingtoNicole]

I think the facial hair suits you! Ignore the trolls.

[@judithgrace9850]

I am 82 and rent. Food.and gifts are all I pay in Mexico., no debts.

[@simonshura9144]

Good advice ❤

[@lemonteapot1061]

Your face your choice 👍🤩👏

[@arisonchan]

LOL. I like the mustache!

[@essentiallearning8458]

mustache looks great, i'm still a subber. 🤷🏾‍♀🤷🏾‍♀

[@joelsajna2307]

Thank you.

[@CookingwithDesi]

Hi Austin, Thank you for taking the time to make these videos.💗 Just curious, do u rent because u haven’t decided on a permanent location? I know homes require maintenance, but I think the value generally of real estate has the potential to outpace stock market investments? And renting you can be at the mercy of the landlord, raising your rent $200 or more a month. I did invest for retirement, but now I’m worried because last stock market crash I lost 50%. If you withdraw early you get a 20% penalty. Not sure what to do. I appreciate your input . They r also talking about bank failures and bail in’s.

[@fabianrares]

Everything is so simple when you're a single person with the only worry is to eat sleep and repeat..

[@inmerava]

Two advertising of 5 seconds to watch this video omg! Only for el Agustin

[@ElAgustin]

KZbin decides when you're ready, haha.

[@monishthomasp]

I agree with those that don’t like the mustache.. you’re better off without it.. 🤣🤣 jokes apart you’re doing good buddy.. great inspiration to people trying to stay on top of their finances..❤

[@cashmaster7713]

What if you don't have enough for your bills after you save?

[@AngelaVlahos]

I don't go out every week. saving money.

[@rickdejean4649]

I like your facial hair 😊

[@sylviajacob7974]

I love your moustache

[@HerrWilhelm1]

I don't have a emergency found and last months I had a lot of emergency situations in which I used my credit card and now I can't pay the full balance. Should I pay all the balance before saving or should I save a little bit for emergency every month and pay in 3 or 4 months the credit card?

[@rebelyogagirl]

You should do a dubbing for some disney charakter with your voice! 💚😆 Really this about side job like that you would be great 😆

[@Malekfahad420]

Hey Austin, really nice video ! I was wondering if I could help you with Best Quality Editing in your videos better than your Editor with good pricing and also make a highly engaging Thumbnail which will help your videos to reach to a wider audience ? Pls let me know what do you think ?

[@plappin]

Great video and thanks for that quick glimpse of your dog (Star?). Maybe you could do a video on the expenses involved with pet ownership would appeal to your audience: do you keep a separate pet budget or save for possible pet-related expenses down the line? How about pet insurance -- something we once considered but finally decided wasn't worth the trouble. FWIW, I'm on Team Facial Hair! ;)

[@ElAgustin]

I actually forgot t put Star up and when I looked at the clips I was like, "They'll probably be happy if she's in the background."

[@aidouninadiro6492]

Hello Austin, I think (Personal opinion) the credit card is a sneaky trap, it makes you spending without being aware of it, why just not deleting it ? A loyal subscriber from Algeria 🙏

[@frithar]

Pupr having he a nappy nap!!

[@sergiol.3755]

all this works only when you make way more than your expenses. if not you can’t do any of this.

[@Mileko-fv5pb]

Well, I think the facial hair is hot. And second thx you. I’m working two jobs that offer 401k but they don’t match and I get two pensions. Any advice?

[@silviaangelo4345]

I enjoy your videos👍🌷

[@writer89]

It sounds like your budget is reactive rather than proactive.

[@stanrix]

Are you kidding about the facial hair? It looks great. Most men look better with it.

[@psychedelicspider4346]

Ngl I came for the tips but I stayed for the moustache

[@debbi945]

Your advice is good up until the part where you mention the 401K. As an Aussie, I assume this is your pension fund. If you follow the book The Great Taking, you will realise you do not own any of your stocks and shares. You are merely a beneficial owner of pooled assets, and an unsecured creditor. The ownership of everything is with Cede & Co.

[@robertoconsuegra9921]

Soo..I'm confused...is getting a mustache an asset or liability 😅😅😅😮😮

[@rolandosouffrain7957]

I don't have a payday routine or a budget. Lol🎉🎉😂😂

[@brendasmith4220]

no bills are always FIRST

[@Bonitalife16]

Hahaha those mustach look ffunny😂 I think u look better without them. Life of a full time KZbiner is fun . It's the time freedom for me. Nice video

[@ElAgustin]

Without the control over time, it wouldn't be worth it. It's so much work!

[@crystaldon4995]

I gave my husband a job to do with his mouth he isnt allowed facial hair! 🤭😉😍

[@Abraham.Lincoln22]

The bots are getting really creative now.

[@Barbara-te7xz]

Why would you do a roth when you are in your highest tax bracket? The painful truth is that when you're not young and cute anymore you will likely be making less money. That's when to convert regular iras to roths. Take the tax break when you are making more.

[@Godspit6066]

I was on the floor laughing 😂😂😂😂😭😭😭😭i got weak when u make that voice abt u make when u got hate comment 😂😅, i cnt focus on the mesage because of that thing on ur face lmfao.

[@kurtgroner3360]

The mustache is very masculine

[@barbaracampbell7747]

Give to God, pay yourself pay your bills then spend the rest

[@tanisemmello]

❤

[@avenj4659]

❤❤

[@giagallo1334]

😂🤣they complain about your mustache 🧔🏻‍♂️🤦🏻‍♀️ 🤣😂

[@georgeandrews2839]

Don't worry, they'll change the rules on your IRA before you retire 😂

[@cyn2480]

No uh mustachios

[@juliem.3936]

What's wrong with your mustache? Those who don't like it can always minimize the screen and still hear what you are saying, without having to look at it.

[@ElAgustin]

People are harsh!

[@juliem.3936]

@@ElAgustin I think the anonymity of posting on social media can bring out the worst in us.

[@cindyneal5580]

I happen 2 like your fasical hair .. i find thst it makes you much.more appealing../ sexier..

[@xynostasos9022]

Great ideas but useless for us Europeans.

[@heybluebird]

It is better to state your country and not talk about « Europeans » in general. His advives are quite useful in France where I live (i searched and found an equivalence for Roth Ira for example). You must adapt the content as much as you can according to your country

[@victoriamorris8678]

@@heybluebird absolutely I live in France , you are correct the equivalent does exist

[@heybluebird]

@@victoriamorris8678 yes, right ? My company also provides an equivalence of the 401k… honestly you just need to find the best options in your country according to your situation

[@heybluebird]

@victoriamorris8678 Right ? My employer also gives an equivalent of their 401k… honestly you just need to search well according to your situation and squeeze the hell out of what you can find in your country

[@Vinnie16920]

Not for the U.K. 401k is a workplace pension or SIPP equivalent and the Roth is roughly an ISA.

[@maureenbisquera2601]

I like your content but am annoyed with your softness. Are you just acting or you’re some what what?!!!!

[@marilyncobb4469]

Im first!