This Is Why You Can’t Save Money

[@ElAgustin]

Thanks for 100,000 subscribers!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@daviddean6032]

Exceedingly proud of you, Austin!!! ❤

[@Luncheon23]

Well deserved Agustin. Here's to one million! 🎉🎉

[@ilhadourada]

Amazing, congratulations!!

[@Freebirdpr]

Frugal Master Jedi.

[@MrsPamB]

🎉🥳🎉

[@FedrickWhite-jo2ed]

One of my biggest financial mistakes was not understanding the ins and outs of Social Security earlier in life. I underestimated its value and failed to optimize my benefits when I had the chance.

[@Robby767]

Timing your Social Security claiming strategy is crucial, and navigating the rules can be challenging, even for those who are well-versed in financial planning. Consulting with an expert can provide personalized advice tailored to your unique situation and retirement goals.

[@Franky-j6e]

I vowed to never again underestimate the importance of planning. Since then, I’ve educated myself on the system and sought advice from a specialist in Social Security optimization. Now, as a semi-retired sailor, I spend just 9 hours a week maintaining my yacht and feel secure knowing I’ve maximized my benefits. I’m thrilled to be only 5% shy of my $3.4 million retirement goal, thanks to smart planning and the steps I’ve taken to rebuild my financial strategy.

[@Churchillhump2268]

Sounds interesting! Could you recommend the expert you consulted? I’d love some guidance myself.

[@Franky-j6e]

Peter Dewitt Martin, a highly respected professional, was instrumental in helping me navigate the complexities of Social Security. I suggest researching his credentials further-his extensive experience and deep knowledge make him a valuable resource for anyone looking to optimize their benefits.

[@Theodore-tu5zg]

Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon

[@lottaohlsson5018]

I live alone in Sweden and I'am able to save 75% of my income, because I have a low rent. I only save money to feel free.

[@ingridgallagher1029]

Literally!!!! Just sitting around my house, doing nothing, has a whole different vibe to it now that I have money saved up because I know I'm not trapped.

[@janaynmelis5250]

I think that's the key. Having access to low and affordable housing/transportation. That's what sucks up most people's money.

[@KHoltzie]

My mortgage payment is $700 a month-I make decent money and I also get a bonus at end of each month and have a nest egg in savings…there is freedom in staying home on Friday night cooking dinner and watching a movie especially since I know for me it’s “optional”

[@clarapeep17]

Wow Sweden is my dream country ❤

[@CarlLong-e5g]

Exactly why I always saved. To be FREE!

[@Jack_huntakilla]

I've lived in a 250 a month shared room with strangers who play loud music, smoke in the room etc. I've also lived alone in a 500 a month own unit alone but overall my quality of life is muuuuch better. I'd choose living in that 500 a month unit over and over again. Some things aren't worth the sacrifice nor the money saved

[@josephsjourney3387]

How are u living alone for 500..

[@Jack_huntakilla]

@@josephsjourney3387 its in myr bruv..

[@dorothyjohnson6743]

I'm with your thinking. ❤

[@bernadofelix]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@SandraDave.]

This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

[@PaulKatrina.]

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.

[@PaulKatrina.]

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@CraigLloyd-fz6ns]

Thanks, I just googled her I'm really impressed with his credentials. I reached out to her since I need all the assistance I can get.

[@ingridgallagher1029]

You tube refuses to remove these SCAMS, even though I keep reporting them as such. BEWARE of BOTS!!!!!!! BEWARE of these SCAMS!!!!!!! 🛑❌⚠️

[@JonaaBLKWL]

I've been on disability for the last decade and couldn't improve my income. I'm now in my 30s and finally on the right meds (still trying to get to the right doses). Now I'm going to community college and hopefully I'll have my first proper job by the time I'm in my mid 30s. I'm tired of barely having any money and dealing with social security every time they try to screw me over. I might be behind, but it's not too late. Watching vidoes like these helps remind me of my motivations

[@Jacquie_Kirk_111]

It's never too late, you can do it !

[@carmelaelliott227]

Keep it up you'll get there. I was stuck in my fear and not wanting to learn money management for years, at 60 I became a widow my beloved husband no longer around to take care of me, so I have to face my fear and learning how to manage my bills, save and be financially debt free, I'm now 64.5 and this October I'll be debt free. No savings yet, but not inquiring new debts...

[@audreyandrea460]

Hi, I’m in a similar circumstance. You aren’t alone. We can do this! Keep up the good work and God bless you!

[@Baabaabelle]

Can I suggest you check out the Carnivore diet, not because it will fix your disability (unless it is an autoimmune illness, then yes, it could) but it will help you be the very best version of yourself and as crazy as it sounds it has huge mental as well as psychical benefits. No Carb Life is a great channel to hear different people's personal experiences of this way of eating. I found it to fix arthritis which it has and love all the other unexpected benefits. Never, ever going back to a standard diet.

[@obscurelyvague]

@@Baabaabelle Do you mean a high-protein diet?

[@crazyadventuresandreviews]

I use to live with a billionaire from Italy when I was a kid during the summers and her house was a two bedroom 2 bath in Florida with no AC. She bought her clothes from thrift stores and drove a vw van from the 80s and her friends were millionaires and they all lived the same life style but had air conditioner

[@sharonloveschocolate]

Really?😮

[@crazyadventuresandreviews]

@@sharonloveschocolateyea she had royalty blood line, owned a lot of real estate in Europe and US. Real money live very frugal and donate a lot and that’s why they are blessed. people that look rich are in debt and miserable behind close doors.

[@debbiewalker273]

A billionaire and still living on a low income, with no AC in FL ? Did she have a mental issue ? 🤔

[@jonredd650]

No ac keeps them out of the house.

[@crazyadventuresandreviews]

@@debbiewalker273she seemed normal people from Europe just different I guess. Never remembered being hot she lived on the inter coastal and the windows and doors were always opened and I remember a cool breeze always came thru the house.

[@richardbudzic6289]

If you get the wrong roommate to 'split the cost' of housing, you could end up paying spending more than if you were living by yourself. Thank you for your videos!

[@lindsay3793]

Strangers have mental problems, hygiene problems, financial problems... Having a roommate is a HUGE risk that can destroy your finances and credit. Why does no one address this?

[@ElAgustin]

Yeah, you have to be careful with who you live with or you could end up taking a financial hit!

[@VoxWodler]

@@lindsay3793 Agreed. Plus you have someone in your business unnecessarily. I took at roommate to court 14 years ago. I won, but I am still trying to collect on the judgment. Better to live alone and lock the door.

[@lindsay3793]

@@VoxWodler Sorry to hear. I hope you get your money but I doubt it. This expectation that we are supposed to share a home (our most vulnerable, valuable sanctuary) with some rando off the street... It's insane! My coworkers lie, cheat, and steal. I don't trust anyone! Just the way people treat each other in general... The majority of people have no integrity and will stab you in the back at the drop of a hat. Then once you realize how terrible your live-in roommate is you cannot even legally evict them for six full months. No. I refuse to be exploited by some creep in my own home!

[@VoxWodler]

@@lindsay3793 Exactly. Look, in theory its a good idea if everything works out. The best thing is to go back in time to 1980, buy a place and live in it now.

[@danicegewiss862]

We save a huge amount of our income. I cut much of our grocery budget by making my own cleaning products, bread, and more. We don't buy tp or paper towels. The last vehicle we bought we paid cash for. We save for everything. We bought a fixer upper, paid it off early, and turned it into a beautiful home.

[@geertstroy]

Greatly done... agree...dont tell the lots , theyre too indolent in mind..😮

[@WolfGangFX]

I came from Ukraine to America. I used to ride bus in Ukraine everywhere , it’s what most people do there. When I came to America my high school friends had brand new mustangs , corvettes, Chevy trucks etc. it amazed me that so many young kids already had what most people work for their whole life to get .

[@kristenkenyon7902]

Congratulations on 100,000 subscribers!!! It was well earned!!!🎉

[@ElAgustin]

Two and a half years in the making!!! I've learned that you can get to 10k by "accident" with lucky videos, but 100k takes tons of analyzing and consistency over a long period of time! It's been exhausting, but I've grown so much as a person through this and have learned so many life lessons along the way.

[@paranoidandroid627]

I work on content creation, and we're often told everything has to be fast-paced and flashy to keep the viewer engaged, but watching your channel is such a breath of fresh air. I discovered your channel yesterday, and I've already watched like 20 videos. You're proving that having an incredible personality and providing great value to people is enough to succeed, so congrats on 100k! I'm now starting my frugality journey following your advice. Thank you, and keep it up.

[@ElAgustin]

Thanks! I find that annoying when words pop up on the screen to try to manipulate people into not clicking off. It might help in the short term with views, but I think the long term strategy is slowly building a relationship with the audience and gaining their trust over time. If you do that then they will show up for every video and come to you.

[@princessdumbarton9877]

They're wrong. I mute and skip every single flashy, noisy ad. I'm tired of everything being an actual assault. I also skip or block every video where someone is making a creepy little secret society signal like covering their mouth, putting a "V" around an eye, pointing to an eye, one finger over mouth, etc. I won't watch most modern shows and movies, in fact about 0, because of flashy, noisy, fast-paced crap and secret signals everywhere. I mostly watch old movies and block all the flashy crap. Please tell your bosses this. I know I'm not the only one who hates it all.

[@akimitussuzukii1834]

Same here. Nowadays I instantly skip and block all flashy, noisy and overenthusiastic ads and canals from creators who just want to sell, likes and subs no matter what cost. Content and value of it is still the king in my world.

[@tracynorman4883]

Loud and flashy is an instant turn off for me! I'll never understand why some people feel the need to shout to the camera. First shout, I'm off 😂

[@TimeToStartOver]

To pay 50% of your income for rent is pretty common here in Germany. All living costs have gone crazy over the last years. Makes saving even more difficult.

[@15coals39]

How bout impossible at those rates 😂

[@Finnimagoo]

same in New Zealand

[@Nettingyournetworth]

I can't save money because my savings keeps getting depleted due to emergency vehicle expenses, unexpected medical bills. I've had to restart like 3 times in the last 14 months because of this and this is coming from someone who follows the 50/30/20 rule. Im considering just going frugal and just save everything and spend nothing on my self anymore

[@amy2284]

I totally agree - Anthony O’Neill (AO) always say have your vision for what you want (your why) it’s easy to run all decisions and purchases asking the questions “does this align with my vision”

[@patricedixon2634]

I can relate with car repairs.

[@thewalkingvegan]

We had ten years like that, it's the restarting that's important. We kept going though and stayed diligent and we retire a little bit early in 5 weeks

[@Desiree_Rose]

I don't recall if it's the 30 or 20% that's spent on "wants", but there's your problem right there. I don't know who can afford that plan at all and not go broke (unless they are very high income earners). Definitely go frugal to get ahead. Good luck!!!

[@AmericanMadeUSA]

Read the richest man in Babylon

[@Ceilinggurl]

Single moms can’t really have roommates . Wouldn’t want that kind of life for young kids. Too uncomfortable for all involved also unsafe.

[@audreyandrea460]

Men in finance give a lot of useful and helpful advice but yes, as ladies we need to sift through it carefully find what works best for us :)

[@lindsay3793]

As women period... So vulnerable to have crazies living in your own sanctuary.

[@thewalkingvegan]

Maybe a friend you could share with? Doesn't have to be stramgers

[@nvmcrider8475]

Make amends with the kids Dad and have him move in .

[@LisaSoulLevelHealing]

​@@nvmcrider8475 this is how dv cases start 🙄

[@SlingsAxes]

Regarding skimping on quality, I remember my dad telling me Always buy the best. It's usually the cheapest. As in Always buy quality tools and don't be tempted by the cheap Chinese stuff Not only will the cheap ones break and need to be replaced, you might end up with blocdy knuckles and require a doctor visit.

[@JaseVaughn]

I have to disagree with you on dealerships. When buying cars, they can be just as slimy as a private seller trying to scam you.

[@patricedixon2634]

True and after 2 decades of no car payments/ my 26yo car that I drive was bought outright. When I have to replace that car, I will dread using a dealership. I don't want a new new car either.

[@thewalkingvegan]

Some, not all. Get recommendations from people you know

[@TizetaWodajo]

In 2022, I was 55 years old and making 90k, living single. My prior rent to income was about 40%. In 2023, I became quite ill and was forced to retire. Now I am on a fixed income and I’ve had to move overseas where my current rent is 30% of my retirement income. The key is to be flexible in life.

[@JonaaBLKWL]

If you're going to buy a used, cheap car, buy something old. Pre 2012 ideally. We have a 91 ford and that thing is so cheap and easy to fix that replace the transmission cost us only a few hundred dollars.

[@lavonnealexander6936]

2015 or 2017 years are cheaper in Canada 🇨🇦

[@charlesedwards4160]

I have a 2007 Honda Jazz/Fit. Runs sweet as a nut. Saves me a fortune in car payments. I will never ever sell it.

[@Tsingtaoist]

This is timed so well. I have £500 in savings (UK) but have just offloaded a £200 monthly expense which was my motorcycle. My temptation to buy another has been halted by your fine financial advice good sir!

[@surfside75]

Easy.. toyota, honda, mazda -do specific research on each as far as common troubles and maintenance with the model your wanting to buy.

[@CAROTA251270]

Congratulations on having 100,000 subscribers. I started watching you when you had 30k. Great video. Love your perspective on money topics.

[@nogames8982]

You are right about the people that can least afford it spending money on stupid things. Lottery, alcohol, cigarettes, etc.

[@nvmcrider8475]

While Lottery tickets are basically a tax on stupid people, it gives them a false hope which is better than no hope at all and money well spent.

[@geertstroy]

yeahhh , but those " grab it"...... bye.

[@sylviasepulveda9788]

Thanks for the reminder of save money 😅my husband and I have very little income and we still have ben able to save 50.00 % of our income because we live with a budget we think is not how much you make is how we spend the income 😊is awesome 👏

[@sweethomeseattle]

Great video again! Congratulations on 100K! 🎉

[@ElAgustin]

Thanks!!!

[@TraceyBergum]

YEAH!!!!! 100,000 subbies I am so happy for you Austin : ) I think I've been here from darn near the beginning. Love the videos and all your commenters, I have learned a lot from both you and the community you've built here.

[@eizqarqash1991]

Everyone should plan their whys in the same layout you did and give it a quick look every day to be always reminded

[@ShellyCap9]

LOL favorite line of this episode "Get Yo Shit together"

[@kortyEdna825]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[@KaurKhangura]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@NicholasHarmon-ow3jl]

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.

[@carssimplified2195]

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

[@NicholasHarmon-ow3jl]

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

[@carssimplified2195]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@Jacquie_Kirk_111]

Bad luck....it's not always the person's fault. My husband died at 30 and he was unlucky, and so was I!

[@ElAgustin]

Definitely not always!

[@transitengineer]

Question, how much Life Insurance did your husband have? During the 1990's, when I was age 30 and, my salary was $48,000, my Life Insurance policies (both personal and from my employer) total about $300,000.

[@Jacquie_Kirk_111]

​You were lucky. When my husband got cancer he was just let go of his job. It was a very difficult time@@transitengineer

[@GrannyLinn]

So sorry.

[@nvmcrider8475]

Are you getting Social Security survivor benefit?

[@Ashermicheal6341]

kiana rachel was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from kiana rachel.

[@Lucas75332]

success 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in last month 2024

[@liammateo287]

You trade ?? Wow that's huge, how do you make that much monthly?

[@Ashermicheal6341]

rachel approaches trading in a completely unique way. I'm puzzled by her methods. She just seems to have an innate understanding of this trading world

[@Ashermicheal6341]

she's mostly on Telegrams, using the user name. ....

[@Ashermicheal6341]

@kiana745...that is it.

[@muzerhythm2242]

I agree on most points but surprised no one mentioned: suppliments. I take them as part of alternative treatment for a medical condition to STAY AWAY from doctors and being on prescription train of taking lots of drugs with terrible side effects. It's effective for me and to get enough of the certain vitamins I would need to eat a ridiculous amount of foods (plus would make me sick), and notice when I do run out how badly I feel.

[@iblazedx1]

Here in the USA it is very very difficult to save! They don't increase income at all! It's a big problem!

[@JAM2USA2018]

Easiest way is to get a better paying job. I had a job once for 4 years I did NOT get a raise

[@iblazedx1]

@@JAM2USA2018 that is somewhat true but people have to change careers and/or get into more debt by getting higher degrees just to get a "better paying job" which is only a couple dollars more.

[@geertstroy]

As a Dutch tourist , some 7 years ago , I felt things I take for granted cost TWICE as much in ze lent ov ze free.... remember travel to Sweden , before EU roaming came into force , a Swedish sim card with phone balance incl. installing was less than 10 EUR. There is structurally LESS competition in Merrycuh than popular belief , so trapped in delusion...

[@candy2325]

I paid off my car in the beginning of January .. thank god. I have extra money now to put towards savings and build a nest egg. Those car payments were such a pain 😖

[@iamselfpaid2]

The average monthly payment of a new car is over $1,000 per month not to mention several hundreds on insurance.

[@geertstroy]

I pay EUR 550 ALL RISK including road assistance 24hr. PER YEAR. In expensive Netherlands ....bye. I pay EUR 0.00 per month for my Toyota that I bought cash as all around here normally do. Car loans are considered for xtreme losers....bye.

[@robinsnest6832]

Congratulations on 100K 🎊

[@ElAgustin]

Thank you so much 😀

[@Lexxxyx]

Woot woot!! Congrats Austin for the 100K

[@wandalizlagares782]

Very relatable. You always keep it real in a nice way!!! 😂.

[@jsimp4050]

My brother is chronically unlucky. My parents keep saying things just happen to him. I think his choices have made a lot of problems for him. Creating a situation where he looks chronically unlucky.

[@donaldlyons17]

It takes some luck to do well... WTF even if people do everything right they need luck to keep doing ok....

[@monishthomasp]

I liked the part where the guy after buying a $ 5000 car says “ El Agustin would be proud.. “ 😊😂❤

[@transitengineer]

Wow, I agree with your 10-top reasons 100 percent. Also, the "why", in my life was to save and invest for my future retirement which, I started at age 30, day one on my second job after college. Now in my early 60's, I retired last year ... Life is sweet (smile ... smile).

[@roseisland8]

Congratulations on 100k subscribers! 🎉

[@seamonie48]

My mom and I have been learning the frugal lifestyle for the past 3 years or so and getting better! Your videos are like common knowledge to us. But it's so wonderful to see we aren't the only ones doing this and making it work. We watched so many of your videos to stay inspired and continue to do so! Congrats on the 100k Subs too man, keep the good job up! ❤️🤍💙💯

[@plappin]

Congratulations on 100K, Austin! 💪

[@ElAgustin]

Thank you! And thanks for sticking around and commenting on all the videos!!!!!!! No pressure to keep watching and commenting, but when I do see your consistent comments each post I do think I must do something right to have someone come back every time!

[@juliemayfield7598]

I agree with you I'm on low income and I do better than people that have a job with my savings people don't know how to live within there means

[@doctork1708]

their

[@UTP504]

100k subscribers, well deserved❤️💯

[@fartyarcidentertainment]

Two of the best cars I've ever had came dirt cheap ($4,000 and $2,500) from private individuals. One of them got me from Georgia to Pennsylvania and back ( in the winter) without the first hint of a problem. I also drove a used truck from a dealership ($6,000). I still have that 29 year old truck and it still runs. The WORST cars I have ever bought came from a dealership. Just gotta give it a good test drive and look under the hood before you go forking over the cash, whoever you buy it from.

[@georgeandrews2839]

It's even better if you can set yourself up to not need a car in the first place.

[@MinaRose2023]

Congratulations for 100,000 🎉 well deserved.

[@geertstroy]

Why ?

[@treesnmoguls]

Just wanted to dive more deeply into steps to purchasing a used car. If you do not currently know of a MASTER MECHANIC (before you shop), ask friends for a referall and give the mechanic a quick call and advise them you are shopping for a used vehicle and confirm they do PRE-PURCHASE inspections, etc. MAKE SURE you have the Master Mechanic look the vehicle over and make the vehicle purchase contingent on the Master Mechanic's OK (EVEN if it's from a dealer and EVEN if it's under warranty and EVEN if it's "CERTIFIED"...Money WELL SPENT!). If the seller will not accomodate this, tell them "take a long walk off a short pier..." I don't necessarily agree that you should only buy from a dealer, but realize if a dealer lies about anything in writing, you can make them sweat. The critical thing is having a very experienced mechanic (not your nephew with 6 months experience who is 19 years old and works in a shop).

[@Michelle-bk5uq]

Congrats on 100K!!

[@ElAgustin]

Thank you! It feels nice! I feel like a big(ger) channel now!

[@TheSimArchitect]

Congratulations on 100K!!!

[@leannejayne3545]

Congratulations on 100k, smashing it! Thank you

[@ElAgustin]

🎉Thanks!

[@huhhuhhuh4069]

Congrats on 100k

[@giakhalsa7971]

Thank you for this very thorough and common sense video. I have listened to other videos like this. But you are the first person that I ever heard that said you can save more if you “increase “your income. Other videos don’t seem to say that like . 😮 . I never understood that. So I think you are right on !!!!!

[@tiffanyjohnson4271]

Congratulations on 100k!🎉

[@obscurelyvague]

It is like the irony that you have to spend money to make money. You cannot merely save money. A lot of financial experts talk about it and it is not wrong, but if you don't have a good -enough job so as to earn money to save then saving money is just not doable.

[@donaldlyons17]

Or one needs to live under the right circumstances if they don't make much money. But your right yet they don't talk about that issue because they know they might loose viewers if they do!!!

[@Izzy_Gtz]

Congratulations on your 100K subscribers!!!🤩🥳

[@ElAgustin]

🎉

[@michellesteinbeiss-bryan7366]

CONGRATULATIONS on the 100K subscribers!!! 🎉🎉🎉🎉👏👏👏👏👏 Your mom was a wise lady, and you are wise beyond your years! Your channel is awesome! Content is amazing! So grateful I found your channel! 😊

[@ElAgustin]

Thank you so much!!

[@lemonteapot1061]

I received a notification on my bank website which said I was eligible for up to £900 per month on a car lease!!!! 😮

[@ElAgustin]

lol, they're giving out loans like candy at the parade!

[@lemonteapot1061]

@@ElAgustin 🤣 yeah

[@geertstroy]

...on another car LEASH.....bye.

[@pattykake7195]

You have a lovely plant collection happening now…looks great…

[@akimitussuzukii1834]

Congratulations on 100k subcribers bro! You have consistently work yourself to this point, openly talked about this goal and I bet I'm not the only one very proud of you. Keep up the good work! What's your opinion about seasonal jobs that are reality for so many? Quite often many seasonal jobs can give you a possibility to work your ass off and get a lot of money with relative ease and short peeiod of time but since it's seasonal, you easily end up using all that saved money for simply living expences during the period outside of the season. And back to starting point. No money left for any vacation either. Kinda double edged sword and you easily end up to this vicious circle where all the earned money are there for just making through the beginning of the next season...

[@jeanetteschulthe1andOnly]

Unlucky for life...can also be who and what you surround yourself. It may be the support/not group even if it just affects your confidence and/or outlook on life. Don't get rid of them or fight with them, they are quite comfy with this...find new friends, outlets. Maybe the sour apples will learn from your having "Enough!". You do not have to say anything to them actually.

[@saradylan3320]

Congratulations on 100000 subscribers. I know how hard you have worked to get here. I love what you are doing. I think your videos are just the right length as I often feel put off if a video is longer than 13 minutes xx

[@vikastiwari6780]

Year Mera to bahut bura effect hua he past 1 yr I don't have any earning source. Right now as a batchelor its so difficult to survive

[@jimbrausky]

I started saving, but ended up taking from saving to compensate for bills and purchases. Right now car broke and dont have money to buy another one, hardly to fix it, if fixable 🤞

[@debbiewalker273]

Congrats on 100K Austin ! You’ve worked your as* off, and deserve it ! Keep up the good work, and love your channel ! 🎊🍾🎉

[@liquidfylth]

Great episode! I really like your take on luck. We all feel unlucky sometimes, but this puts the whole thing into perspective. Thanks!

[@jimmymok5943]

Is 30% of your monthly income net or gross? This single detail makes a HUGE difference.

[@christomapher]

Congrats on your 100k subscribers. I am a proud subscriber. Thank you for the inspirational advice. Also, your speech cadence is fascinating!

[@cliftonhammock1152]

You have the mindset that most people don't...... Keep thinking that way....

[@tbarc1]

Um...I've never been benefited financially by having another person living with me.

[@HeroBear_Gaymer]

Sounds like you are or were with was leeching off you

[@Kseniaramesh]

I set savings goals every year, but I always seem to fall short.

[@har0ld551-hn6fm]

It could be a few things. Maybe you're not tracking your spending closely enough. Until you know where your money is going, it's hard to cut back.

[@Kelssinho]

Congrats on 100k! Thank you for sharing your ideas.

[@ElAgustin]

Thanks!

[@jyotikamisra]

Bought a Toyota Camry 76000 miles even though older 2007 for 6000 from a dealer❤❤

[@elizamartin4263]

$10,000 for a decent car is a bit unrealistic if you factor in that a car at that price will probably have already been driven for over half its life. Unless you anticipate making much more money before you can no longer drive it (meaning your monthly payment would be a much smaller dent in your budget), you should expect to buy a new car within the next 5ish years, thus never going without a monthly payment.

[@marilynrybak9154]

Agree completely with the vices! Exactly.

[@IrisP989]

We chose to have a car payment of $520 when we purchased our car new with a low interest rate. That car payment didn't hold us back from crossing a 7 figure net worth. Perhaps you are referring to people with an income lower than needed for an expensive car that can't truly afford paying for the car since they can't even afford to saving any money.

[@charlesedwards4160]

Hey chocoderos, listen up, the man is talking big sense. Massive respect !

[@kazumasitaula3361]

Congratulations! on 100k subscribers. Big fan from Japan. ありがとう。(Arigtaou = Thank you)

[@KNS616]

& thank you Austin for making very thoughtful, useful videos. From a loyal listener and subscriber.

[@micaelg4230]

The car reality in US is diferent from other places, a 10k car is likely to need repairs soon, being from europe (Portugal) I know people here who live paycheck to paycheck (almost everyone) can only be get around 10k for an auto loan with no upfront cash in this current market, so everyone wants the same cars and salesman will inflate the prices to that level of crappier cars because they know the loan will be aproved, this is also the price range in which our (european) cars (almost all city cars, hatchbacks) cost at the time that they need big repairs, being no longer new, so you´re buying a car which the previous owners squeezed the "best miles" out of and now have to pay the car, interest AND repairs, making just about the price of a brand new exact same car. Vehicles lose value slowly in Portugal, because we can´t afford to let a big purchase go with no return, in motorcycles it´s even worse, sales are not keeping up so you will see used scooters more expensive than new ones because the buyer only buys when they´re desperate and can´t wait 3 or 4 months for a back order on a new one. In a country where everyone struggles you play life in extreme mode.

[@JosephineAlstrup]

Could you make a list of the brand names?

[@mysterybuyer3738]

Thats still too much for a car. My truck in 2020 cost $4000, my car in 2023 cost $3400, car for my mother in 2023 cost $3500. Never been to a mechanic for any of them, just the quick lube. 1999 Chevy Silverado LS 2000 Lincon LS 2007 Mercury Grand Marquis

[@thelionessreigns]

100,000!🎉🎉🎉 Congrats, Austin!

[@temismontenegromontenegro9319]

CONGRATULATIONS!!! 1OOOOO SUBSCRIBERS!!!

[@Thegrayhairedwriter]

Congratulations on the 100k subscribers

[@audreyhuggins8822]

What an accomplishment! All your dedication, consistency, and passion took you there to the big 100,000-wow! I hope you share the unboxing of your play button plaque.

[@kevinfestner6126]

100 k! I need a KZbin channel. My issue is I keep running out of money buying investments. As soon as I get additional funds, I'm buying dividend funds, bond funds, s and p funds, international and emerging market funds. My wild weakness is aapl. I bought more at 172, and it's back over 200. Today, and yes, I piled in and bought more schd. Man, I need a 12 step program, Investors anon. I'm an out of control, addicted investor. 😂

[@kwokweng76]

This video is very solid ❤ ...... Thanks Austin

[@JoseFlores-xh5cj]

Can't save money because $100 is the only number everyone knows, everything costs $100 or more, so you can only do 3-4 things per check before it money runs out

[@sandralauzon9416]

Maybe if ypu lived in Bermuda

[@donaldlyons17]

Yep and people like Austin want to blame the individuals not the income being too low for their expenses which they can't control.

[@candiceh6211]

Can you please specify if you mean gross or net income when you say 30% of income? Thanks!

[@fredd103]

This is a good video for toddlers. Love it!😍

[@ElAgustin]

Thank you 🤗

[@Jacquie_Kirk_111]

Most adults have a toddler understanding of finances

[@Jacquie_Kirk_111]

Awesome video!

[@Cobycards]

Congrats on the 100k subscribers from Australia 😊

[@karencarter9341]

Love your pot plants good job

[@AdamFiregate]

Subscribed. Thanks. 👍

[@garryli2030]

Get a 4000$ Yaris for 150k miles . Find a Middle-East mechanic to fix it for not more than 800$ and you can use it for another 10 years with proper,cheap and constant maintenance with normal and cautious driving,means eco-driving.11

[@marshamagic8551]

You can buy a small suv..

[@The_Fancave]

To be honest; the only times I enter a convenience store is either to use the restroom, or because the credit card machine on the gas pump is broken. There is nothing conducive to financial freedom within the walls of a convenience store. (No offense to those struggling with gambling, alcohol, nicotine, or Hostess cupcake addictions). In my experience, private car sales can yield a good deal, but I highly advise getting the car checked out by your local, trusted mechanic. If the owner of the car refuses to let you do so, run, run as fast as you can! I've bought my share of "old lady cars", in which the owner either passes away, or stops driving, and their children/heirs/caretakers etc. need to get rid of it.