10 Frugal Habits That Made Me Wealthy in 2024

[@geriatricmillenial1983]

My mother who is a fluent Spanish speaker would say, "Guarda tu dinero para cuando la vaca esté delgada". The literal translation is, "Save your money for when the cow is thin." Meaning save your money for when finances are low you'll have funds when money is tight.

[@michaelmalzahn-tx2zi]

probably a reference to joseph's dream in the old testament with the 7 fat cows and the 7 skinny cows.

[@aligmal5031]

@@michaelmalzahn-tx2zi the skinny cows saved so much money it seems :d

[@ThinkingJames]

Hi Agustin, It's been a year since I started watching your video's. I just wanted to thank you because watching you makes saving and investing really fun. All of the people around me are broke af and here in the Philippines we have the so called Crab Mentality that means no one should go up and if one moves up, the left behinds will pull you down. So I have no one to talk to and watching you makes me feel not alone in my journey of investing.. 🙂

[@anmarie2211]

Are you phillipino

[@andrekeulemans473]

Sounds like Me at work where You want the Loudmouths to Shaddup

[@ŽenskiNakit]

the book that changed my approach to money is The Gilded Nexus of Prosperity all recommendations... It's completely different from anything I've read so far

[@leslierivera8702]

Amen to US Healthcare!! Makes me want to move to another country. But congrats on your success Austin!! ❤

[@danicegewiss862]

I'm finishing my real estate training. My new year will have me passing the exams, licensing, and pairing up happy families with homes. We have emergency savings. Our heater acted up. We got it repaired. $3,000 later we started building our emergency fund up again. That emergency fund was a lifesaver. No credit card payment.

[@Vic-nr2jz]

Your rant on HC system was exactly right!

[@ElAgustin]

It was about a minute longer, but I had to cut some out so the video didn't go on for too long, lol.

[@deborahschmitt143]

@@ElAgustinAmen!

[@noreenn6976]

Congrats on making $80k on KZbin!

[@rudymalizia8842]

I'm proud of you and very glad you have this channel and are SO VERY GOOD at what you're doing.

[@gailtester8749]

I am very happy to hear you are being fruitful here! I enjoy your channel. I am 70 and have been saving 50% or more of my income for decades. I enjoy a comfortable retirement now and am still saving 50%, even in retirement.

[@Financefunandfitness]

Growing up poor and respectful of every dollar I ever made coupled with a frugal lifestyle has enabled me to have a 7 figure retirement account. Sacrifices and persistence will get you anywhere in life even if you are not helped along the way.

[@libbysworld7649]

Congratulations for all of your success! Well deserved! You've worked hard!

[@donnawhitley1451]

I think this is the best video you have done. Great advice!

[@ElAgustin]

I appreciate it! The end of the year is making me reflect on this past year and looking at it as a whole vs month by month.

[@eileenbodington5646]

I am glad this is working out for you. I appreciate your videos and common sense advice!

[@7figurebrian]

You're one of my favorite personal financial KZbinrs. VERY practical. Very real and down to earth.

[@gabrielafonseca4034]

I'll definitely be referring back to this video as 2024 was the year I too became self employed. Yes, it's worth it❤

[@ElAgustin]

Good luck! I've been at it for 2 years. It's a lot more complicated, you have to pay more for taxes and insurance, and everything is on you which is stressful. But there is no better feeling having control over your time and making it on your own. It's so crazy when you think, "I'm making it on my own!"

[@gabrielafonseca4034]

@@ElAgustin well said! Being frugal was one of the things that really helped pulling this off. I do find myself working more hours on more days, but I'm never exhausted or stressed out as I used to be. I am now an editor of manuscripts and a coach for authors, and feeling I am helping people make their books reach their full potential and get published is very rewarding. To be honest, I didn't plan this. I reached a breaking point at work and quit, started living on my savings and, out of nowhere, projects started raining on me.

[@ashb2483]

2025 let’s go already!

[@hans5821]

Amen 🙏 Also appreciate the slow long term game of wealth building. Partly thanks to you. 2025 is going to even better!

[@Luncheon23]

2:27 I've been guilty of this too. Months with higher income were taken as the baseline when they should've been the exception. Thank you Agustin for the much needed eye-openers 🙏

[@ElAgustin]

I think it is what allows people to make it in the long term.

[@arthurtreibs4174]

Smart man, Austin

[@videomgs]

Congrats - both on your KZbin success as well as your success in your healthy saving habits. And I really LOVE to hear that you are practicing healthy eating habits and exercise - so important not only to avoid healthcare expenses (don't get me started) but for general day-to-day quality of life. I always enjoy your videos as they help to keep me focused on important life habits!

[@ElAgustin]

Yeah, health is important! I've always been very active. I think especially as you enter your 30s, it becomes more apparent who's taking care of their bodies and who's not. In your 20s, some people can eat garbage and sit on the couch all day and look like athletes, lol.

[@dancer-rh4if]

Comgrats. Good news. Way to go! Like the graphics & narrative coordination. Smooth with a bit of humor.

[@mingwei17]

Congrats Austin! You’re so funny. I really enjoy your content. Keep it up!

[@monishthomasp]

Awesome El Agustin.. You have it all sorted. As long as one’s expenditure is fixed there’s nothing much to worry I guess.. ❤

[@BSGSV]

Well done!

[@brndnt925]

Choosing which health plan and deductible works with one’s budget would make a good video

[@user-fc2xk3uv8y]

the state i live in i have public, nonprofit insurance and i love it. qualify through disability though people who are very low income and all people under 22 i believe get it. i pay 192 a month (monthly premium determined by income level since i make too much money to get it for free) and everything is covered immediately once you qualify. the people who ive met and worked with for my insurance are the kindest people ever. all providers are board certified and some of the most helpful and human people ive ever met. im diabetic and all my meds and supplies are free and so it's delivery for it all as well. there's literally no reason why it can't be like this everywhere. im thankful to live in a state that has these programs and really wants to see it's people thrive.

[@markcole-s5g]

Thanks Austin your content helped me and I’m sure your helping heaps of people like me too. Keep them videos coming 👍👍

[@FreePianoLessons]

Love your videos. Have a happy new year!

[@Observer100-cn7gv]

You were doing well until 9:47. You probably weren't thinking. Be careful.

[@codymacjohnson891]

Congratulations Austin! You are amazing!

[@sarahpettengill6560]

I’m so happy for you for making all that money from doing KZbin and enjoying your life! This video is so valuable thank you!

[@youtubehandle0]

I am going to look for ways to be self employed in 2025, so that I can create another source of income. My current job situation is quite unpredictable. @9:52 - Amen! As someone who lived in US for 15 years lol.

[@MarkXHolland]

Thanks for the two-bill idea. I am DOING that for sure. 👍

[@iamjane9628]

AMEN! I am here for the “rant”!

[@TxLoneStar817]

Congratulations brother!

[@hopeg0334]

I have insurance that I pay $75 a month for. My deductible is $3500 a year. And my monthly medication that I need is $750. Gotta love the American health care system. It sucks that I have to “save” for my medication in order to function.

[@magictravelkitty3440]

My insurasnce is $400 a month and my deductible is $7500 😭

[@derrick8224]

Austin, I have been following you for over 2 years. What a journey, I am proud of you. Merry Christmas and continuing success

[@marilyncobb4469]

Great video!

[@ElAgustin]

Thanks!

[@hasole9669]

MERRY Xmas Elaugustin:)

[@ericbrown8106]

AMEN, Brother Augustine!

[@audreyhuggins8822]

I can't get fired either! I am a civil service employee and, in a union,:) I enjoy your one man show. Great content today, as usual.

[@AurucciLou]

To get to that milestone you need to be wary of high debt levels, poor spending habits that drain finances, neglecting savings and investments which hinders wealth accumulation. Being financially aware would be of great deal. i can say that helped me in life to reach my first million and i also sought help to handle my portfolio which was my foundation. i'm ever grateful to Susan Kay Mack my FA.

[@kalineats]

The thoughts and ideas here are remarkable

[@taylorgreen5908]

did a quick search out of interest and found susan's webpage. I must say her resume is pretty impressive.. will be writing her too

[@calerothenis]

i invest in stable stocks, my rule: if you previously liked the stock, then you should love it at a discounted price.

[@soveinaaraceli]

I’d choose expertise any day because finding the right balance between investing and living is very important to me..

[@LK-hz2rg]

Congratulations and thank you. Muchas gracias Austin 🎉

[@abeagleslife]

So glad you made this video. I'm a freelancer and income is unpredictable. For healthcare, I'd suggest finding a direct primary care provider (DPC) so you can go to the doctor whenever you need.

[@salvadorflores6631]

Great advice! Thank you!

[@carolynbrace8821]

Truth honey MERRY CHRISTMAS to you and EVERYONE you love

[@julieb6680]

New subscriber. This is a super helpful video. Question how do you determine what goes to your Roth and what goes to savings during those high months?

[@rubybabiera6407]

2025 I’m gonna try my best to look for extra side hustle job so I can increase my income

[@michaelmalzahn-tx2zi]

i talked to two amazon flex drivers the other day and they said it was an ok side hustle. you can make your own hours.

[@eiusetea]

Excellent job!

[@davidjenson7773]

Well deserved!!!!

[@sandracontreras8677]

Congrats Augustin!!! Keep up with the good work, long time follower! Que tenga un buen dia, los vemos en el 2025😅

[@plappin]

Merry Christmas and congratulations on a super-successful year. Could you address how you handle your taxes? (You do say you put 30% of your income aside.) Do you pay quarterly estimated taxes or wait till the end of the year? Do you use an accountant or do it. yourself? Apologies if you've addressed this already in an earlier video. Thanks!

[@michaelmalzahn-tx2zi]

you should definitely not give the government [anyone] money before you have to. keep earning interest as long as you can. it does add up over a lifetime.

[@ElAgustin]

I pay quarterly estimated taxes. Just paid my state taxes. I'd personally rather do a little each quarter and have it as close to what I'm paying as possible so I don't have a enormous bill at the end of they year. It's hard to see $10k go from your account at once. I have an accountant this year handling everything, so we'll see how that works. Next year I will probably structure things different based on his advice. I

[@gailtester8749]

Also. Medicare Advantage for seniors rocks! At least America takes care of its seniors!! 🎉

[@denisewehling649]

😂

[@gracewright7938]

Where does your living expenses come in? Do you use CC for all then pay it off? Do you use a cc with miles or cash back or none?

[@kimwieczorek1879]

Teach us how all the ways u invest your savings being self-employed. Ty❤

[@bink865]

We like you, Austin

[@iamjane9628]

Wow, congrats, Austin!

[@bwillsboys]

Congrats!!

[@Red_1976]

Great advice, I like the scarcity mindset approach. Working with a cap on expenses is also a good idea (your credit card bill). Thank you, from Australia 🇦🇺 (ps. Your health care is so expensive in the USA!)

[@zoilacruz1843]

There are clinics that charge little for visits. Plus there are medical share programs for fatality medical expenses. For medicines there are many savings apps.

[@zoilacruz1843]

For big expenses like your deductible a health savings account 😉

[@suecook8379]

Along with your health ins have money for a dental plan. $2500-3000 for a root canal and crown and I got a letter that one dentist is raising prices 3%. $5-7000 and up for an implant. They're so greedy, it's unreal. Someone just told me about their dentures and said they don't fit right and dentists say they last about 5 years. My parents dentures lasted a lifetime. So it's a money gig for sure. Merry Christmas, be safe. Belly rubs to the doggo.

[@patriciamattei2362]

Have a great 2025!!!🎉🎉🎉

[@Nicole-zv7ee]

Austin, please do a video talking about what you think are good investment options within a Roth IRA. Thank you.

[@rocioocampo8735]

Congratulations 🎈 You give great advice ❤

[@leahlenau7522]

$400 a month health insurance. HA! It's $500 for me and my husband each month AND that's after my employer pays an additional $400 to cover the rest. Just wait until you see average family set expenses.

[@vernasinclair2318]

Thank you!💙👍

[@TimothyDeck]

How do you allow for Social Security Tax being self employed or medical insurance. Thanks for the videos. Great content.

[@andrekeulemans473]

My only Bill is the Municipal and Network bill,(Phone and Internet)

[@ronaldex2157]

Excelent video 🤓

[@happyvinyl1013]

A month ago I was made redundant (start a new job in mid Jan so all good) and ,my pay off was a years salary. I was so tempted to splurge but haven't thankfully and put it straight into my high interest rate savings account 6.9%. That Audi Q8 was tempting though (shallow I know)

[@Johnny-k9f]

God = money, Amen!

[@OurPerez]

So many Gems

[@lindsay3793]

Congrats. Ride the KZbin wave while you can. Internet popularity (income) is very short-lived. Be prepared for it to fade out.

[@AKatsLife]

Do you have more advice on health insurance? We have a health savings plan. It’s been helpful. I have trouble understanding why we give our money to a company for them to be on standby in case we get sick

[@zoilacruz1843]

All my bills charge me extra for paying with credit card !!! So that’s a no no for me

[@livingoncoffee]

Hey.... you should write a book using ideas from your videos and promote it.😢

[@BatsAndBadgers]

alternatively, don't use a credit card balance so high you have a £1500 monthly bill. Unless you were spending that money on emergencies, you are not being frugal as you are spending above your means

[@M-yk9bi]

Very well done! But now you are getting to the same place as similar KZbinrs... Once KZbin gives a certain amount of income as your subscriptions grow and ads make more money, your voice becomes less meaningful because it can start to look like a preachy high earner and the earlier magic goes. Gabe Bult is a very good example of how it ends up. It just does't seem authentic or relevant past a certain point, but all about sponsorships and making money, I'm not saying you're bad for doing that - far from it - but your message will start to seem less real unless it is simply lessons on how to make money from KZbin.

[@jessicaarmstrong8868]

Completely agree as a fellow long time subscriber to Gabe Bult!

[@sherylmeyer7412]

I was surprised that you did not mention the added expenses that came up last year when your living abode got flooded because of the storms. Perhaps you were able to save up for a while because of moving back home with family. Perhaps I missed one of your videos on that topic.

[@brndnt925]

With a $10k deductible, it’s weird to even call it healthcare. More like catastrophic coverage. Hopefully they at least cover annual exams and prescriptions.

[@andreabellini6796]

Ohh I’m early

[@BigPhilly15]

As most of your excellent videos illustrate, many Americans could easily afford the same healthcare insurance as you if they avoided eating out garbage meals.

[@kionmcclinton3520]

Amen! 😅 new follower, and I'm here for it!

[@marias8007]

Ur budgeting sustem is like mine

[@surfside75]

I want to be simple😅❤

[@hoser7706]

We are aware of the American healthcare system but not impacted by it. Yet. Canada is pushing for private and public. But we get hosed (Hosers) by high mortgage and housing costs, insurance in general, taxed to death all while having a shittier climate and poor dollar. Lol. But we can still save by employing your tips. Muchas Gracias

[@bcusaaus4749]

Amen!!

[@johnpichla9557]

Just wait till u tube gets shutdown, like blockbuster, Kodak, and k mart. 😂 enjoy the luck bro!

[@avenj4659]

❤❤❤

[@caraa.4944]

Amen on USA health care. I do have a question about IF, for some unforseen circumstances the internet/KZbin becomes defunct...what would you do? Could be an interesting video. Great channel.

[@ElAgustin]

I think KZbin is going to be around for a while, but eventually will fade out. It's the never ending evolution of media, nowadays nobody watches cable or listens to radio. I would probably get involved in something marketing related or media related. Hopefully I have a few years left doing this, but with any job, nothing is guaranteed and the world is constantly changing. Most jobs that people in my generation are doing were jobs that didn't exist when we did our "career surveys" in middle school! It's what makes life exciting and unpredictable!

[@caraa.4944]

@ElAgustin Yeah, sounds good. I have made good income on Amazon with my novels that are self-published. Hang in there, you are on the right path.

[@DavidKnicks]

$80000 off of KZbin? I need to change what I do

[@zeroveda]

Amen brother!! I'm atheist by the way😏

[@tericollier7839]

Mini rant of my own: The for profit healthcare system in this country sux. Even though I pay for health insurance, I only reap any benefit if something catastrophic happens and even so, I have to foot the first thousands on my own. So if I get sick, I don't go to the Dr. Simply put, I can't afford it. It truly makes one feel like its a racket. Sorry, end of rant.

[@MidlifeMinimalist]

I’m curious about what kind of credit card you have. Travel hacking?!?

[@mindiwilhelm4322]

I work in healthcare. You are not ranting.

[@michaelmalzahn-tx2zi]

congrats on making a living off yt.

[@ElAgustin]

Thanks! It ain't easy, haha

[@irenemacginley6022]

Just wondering why you live in rented accommodation and havent purchased a home....😊

[@MAMAGGray]

Good times bad time Led Zeppelin

[@thefinefrugalline3232]

Amen!

[@dixiebell7011]

Congratulations. You earned it. However, some folks will drop you IF you boast too much. You should keep that in mind.

[@ElAgustin]

This will probably be the only talking about KZbin video. The end of the year is making me reflect on this past year.

[@MeenaHarlow-kx4fz]

I don’t think you have to justify. You’re relatable and funny. I thought this video was down to earth even though you were sharing about your profit. It seems like you’re only sharing to help people.