How to Manage Your Money So You Never Go Broke

[@ElAgustin]

What are your creative ideas to make money outside a normal paycheck?

[@Savannah-ed4rv]

Pet or house sitting. My neices do that and one of them made $1000 in one week recently

[@danicegewiss862]

I have a Fundrise account. It's fun watching it grow. I also sell my nicer stuff online, and I'm setting up an online store. I'm busy, busy, busy.

[@stevebubar6129]

Banking your side hustle (that u love) paychecks. In addition to that… maintain course like this video says

[@sarahpalm7661]

Bank sign up bonuses can be pretty sweet.

[@aimeeseek]

Don't trust Qmee. Know your rights and be willing to tell them to a cop.

[@CliveBirse]

The advice in this video is valuable for the typical American. I started investing when I was 30 back in 1998. Today, I have a decent $3.7M nest egg, thanks to the careful supervision of my CFP. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.

[@mikegarvey17]

And It's not even that hard to do. Maybe too rigorous for the regular-Joe, but thats why its advisable to conduct with good market strategist.

[@mariaguerrero08]

This is why I've entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to $780k, generating sufficient dividends for my household's needs.

[@ThomasChai05]

@@mariaguerrero08Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@mariaguerrero08]

'Gertrude Margaret Quinto' maintains an online presence. Just make a simple search for her name online.

[@JackBJacobs233]

Thanks for the info, i found her website and sent a message hopefully she replies soon.

[@waynenakanishi971]

Hi Austin, I am 26 years old and I am just first month in of my first job in my life. I am so fortunate to discover your channel! Muchas gracias!

[@wilfriedvomacka1783]

Great! I discovered frugality and Austin after 7 years of working. After that, I saved in six months more than in 2 years before.

[@doomedwojak420]

So you're a brand new wage slave? Good for you. I'm 26 too but I'm aiming for retirement already, not because I'm rich (no way, the system is a cage) I'm terrible ill. Maybe if i could live few more years (to waste time on yt and playing video games) life's good they said...

[@ElAgustin]

Right on! Best of luck at your new job!

[@avenj4659]

Ohhh yo be 26 again knowing what I know now! You are blessed beyond what you can imagine. Please take note. Y dear. Even tho you don’t incorporate everything please start some things. Like the limited debt and start investing early!!! Good luck!

[@daviddean6032]

Congratulations on your first job, Wayne Nakanishi. All the best for a long and healthy life. Austin Williams is great and I also enjoy these videos and I'm 64. My advice to you is to only buy what you can in cash and not to go into debt. Pay yourself first, live well and frugal, and invest wisely. Once again, congratulations, Wayne.

[@harrisonmccoy5788]

It is the appropriate use of an organization’s financial resources, such as making investment decisions and employing cash management strategies to maximize profits and cut risk.

[@patriciavail4285]

I think it’s more of planning, organizing, directing and controlling of a business’s monetary resources to achieve its goals.

[@denzelwilmington8107]

The financial manager will first assess a person’s financial position and determine how much funding is needed to support the expansion.

[@kennedyzouma6413]

Timothy Eric Meek develops a budget that includes the costs associated with the expansion, such as new equipment and employee salaries.

[@michealmccoy427]

It is necessary for the financial manager to evaluate the risks and rewards of different financing options. He must be a genius.

[@colemanpark9749]

How can I reach him please.

[@nicoleanagnostou7719]

Today I made my first deposit towards my emergency fund :)

[@ElAgustin]

Right on! Even if it's just $5, you're ahead of most people!

[@moonshynegirl172]

At 60, I wish someone had talked to me about money years ago! I will make sure my granddaughter knows these things!

[@mikenoneofyourbusiness7122]

Once you’re 18+, it’s YOUR responsibility to educate yourself on finances. Nobody supposed to care or talk about your personal stuff. It’s on YOU.

[@BanellaRg]

That magical 18 huh?​@@mikenoneofyourbusiness7122

[@flysinsoup]

@@mikenoneofyourbusiness7122nope! It’s your PARENTS JOB. This is why Americans fail in life, because your parents aren’t guiding you to do the things you need to do to be successful. This is why the immigrants are more successful in America while Americans fail. You are the problem here

[@roceliamonte9053]

I love how the angel music comes in everytime you say emergency fund. 😂 Love your videos Austin! You're always a great help to us. Thank you!

[@noreenn6976]

😂

[@sarahsolomon1949]

Austin, you are a hidden rare gem amongst KZbin! I just found your channel a couple of days ago and Ive watched a few of your videos. I really love your content! I’m already a pretty frugal person but i still enjoy listening and learning from you. You are a very wise young man! Thank you so much for this video! ❤

[@ElAgustin]

I appreciate it, Sarah! I'm glad you're enjoying my content!

[@bellatrixmedina7617]

I will watch this over and over again until it’s cemented in my brains! 🎉💯💯💯

[@deleonyere]

Me atm

[@AbidingHopeMentalHealthCoach]

I currently have an emergency fund, six months fully funded. I also have an auto repair and maintenance fund. When I popped a tire for the first time ever in my life last week, my biggest concern was not how I was going to pay for it, because I already knew how I was gonna pay for it. I was only concerned about getting my Uber riders to their destinations, since obviously, I wasn’t meant to be the one to take them. I found a shop that had my size tire, and was back on the road making money in short order. And I was even frugal, by opting for used tires instead of new ones.

[@MakeamericaGreatagain-h7j]

I am impressed with your update on tech stocks, I am looking for tax efficient way to rebalance my 7-figure dividend portfolio without triggering capital gain tax. what asset location strategies should i use?

[@Tsunaniis-j5l]

The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult an advisor or tax professional to tailor these strategies for maximum tax efficiency.

[@Damncars456]

I’m currently working towards financial freedom with a focus on dividends & growth investing. Since 2014, I’ve built a portfolio made up of 30% NVDA, 25% SCHD and over 40% in digital and alternative assets, thanks to my CFA. This strategy has helped me earn $56,000 a year in dividends. Back in 2014, I only earned $21 in dividends.

[@DreamweaverShade-h9p]

Oh I've heard similar things about hiring an advisor. It's hard to choose one that's very good though. Could you make some useful recommendations?

[@Damncars456]

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

[@MARSHMALLOWwhimsy]

Wow!! her track record looks really good from what I found online.i just filled the form and scheduled for a call. Thanks to you.

[@TeaLightCooking]

3:12 Agustin keep on preaching - I keep on listening because not only is your advice good but it's also helpful and very thoughtfully presented 😊

[@ElAgustin]

Thanks! It takes a while to put them together!

[@timothyswauger3984]

Some people have a spending addiction that they can’t control. Before putting any of these practices to work, they’ll have to get help for that.

[@weird-guy]

Also think some people don’t realize how much money they waste on things that cost 1$ here a 2$ there. For example even if you can save 1$ that 22$ ( working days), 22$ x 12= 264$ doesn’t seems a lot but in a pinch can aliviate some pressure.

[@mikenoneofyourbusiness7122]

That’s called growing up. There’s no service to lead you there, it’s on each individual to do. Grow. Up.

[@smartstudy7043]

This is the BEST financial video I've come across ❤

[@andersonelerilopesdelima9365]

I’m little older than you, but I feel that I have so many things to learn from your videos. I’m so grateful that I discovered your channel! Hello from Brazil

[@OTOWN2STOCKTOWN]

Belleza

[@najihahyussof]

This is by far one of your best videos out there. Great explanation. Thank you!

[@ElAgustin]

Thanks!

[@Clarkfamilyorchards]

Live below your means in your twenties so you can live much more comfortably in your thirties and basically the rest of your life. I lived in a single wide mobile home for 7-8 years, paid it off in 3, made enough for a nice down payment on a very nice new construction property and I keep the same frugal mindset that I had then. Having kids is the most rewarding and yet one of the most challenging things one will ever do, but it is true, you will want to live below your means mostly before the kids come into the picture. I wouldn’t want my kids to remember growing up in a very small space in a not so great area, so I sacrificed my twenties so that I could afford where I live now. Another hack is to overpay your mortgage and you’ll be surprised how many years yes years will melt off of that mortgage. 👍🏻

[@gintongaparador999]

I don't work yet, but I am studying now how to manage money. I realized I don't want to live the same way the people around me did. Also, the more things I own, the more I feel anxious or stressed out so I want to own as little material things as possible. As long as I have my basic needs for survival, I'm financially secured.

[@marcellemayer4772]

I think you’re a very good teacher.😊

[@ElAgustin]

Thanks!!

[@smartstudy7043]

❤ I second to this... This video has given me the clarity I always needed

[@mibtt]

Love your sense of humor. I enjoy your content a lot. Thank you for sharing your knowledge.

[@omnixoxox]

Austin! Your energy is so calming towards such an anxious topic! I love it. Thank you for giving us hope with finances

[@ElAgustin]

Thanks!!

[@AdaBooker-o5m]

Austin, you are a hidden rare gem amongst KZbin! I just found your channel a couple of days ago and Ive watched a few of your videos. I really love your content! I’m already a pretty frugal person but i still enjoy listening and learning from you. You are a very wise young man! Thank you so much for this video!

[@tamihill4229]

Thank you austin. I almost payoff my cc debt my your advice i have 520.00 left to go i rent a room from a friend

[@Arrowsofreem]

ever since I subscribed to your channel my financial life got a lot better..truly i cant thank you enough❤

[@mooshway2000]

In response to other commentators, marriage CAN be great. My husband and I both work, have similar incomes and very similar financial mindsets. Expenses are shared. Kids on the other hand....😅

[@AnnMitt]

Fantastic video, Austin. Hope the Gen Z folks find your channel. May I add, get married to a sensible frugal person who shares your values and wants to have a family. My son is a kind and funny person. I take pride in my parenting skills and he makes me less selfish.

[@nikiclaypool8800]

I coach others on finances and have been watching you for a while and this is by far the best video I have ever seen to explain how to get ahead in about 12 minutes. I sent it to everyone I know and it is so well done and simply laid out that anyone can understand it. Well done sir

[@oyvind5490]

Thanks for sharing this video. This is so valuable for me. I hope this go viral. This is really gold.

[@carlosbcn2020]

Besides handsome you are intelligent and wise

[@SliwkaProductions]

Your voice is so pleasant 😁 Thanks!

[@maryamahmad262]

This was so incredibly helpful. Thank you🙏🏼🙏🏼🙏🏼

[@turgutozmen71]

This is your best video in my opinion. I watched it until the end without blinking my eyes. I feel rich now. 😊 Gracias amigo!

[@Anonymous-xq3cd]

I totally agree with you. That is exactly what I am doing now. I am almost done building up my emergency fund. After that, I will start participating in my company’s 401k. I am debt-free too and it feels totally different now. At work I feel more condident and at-ease. I don’t have to work extra hard to impress my boss, kiss ass, nor work super hard for promotions because I know I have a strong financial footing and stability. Like if I chose to stay at work, its because I respect the boss that I work for, i like the job, and i like the coworkers. I am now the one choosing which company or the boss I want to work for. Unlike if you are living pay check to pay check, its the other way around were you beg for a boss or company to choose you.

[@blakevinccent4928]

The most real KZbinr never change Agustin you make great simple straight to the point videos that changed my views on money for the better! Much love ❤

[@dorisbenedith8664]

❤ Love the chart 👌 it's exactly what a lot of people should be doing. I absolutely love your videos. Very educational and realistic. Muchas gracias Agustin y sigue educandonos. 😊

[@ElAgustin]

Thanks, Doris!

[@juliemarkham4332]

OMG! This is the BEST video!! Thanks for sharing. 😊

[@urnursingstudentmich]

Even though I am still a student, it doesn't I can't start small. I'm managing my finance(allowance) and daily expenses right now. wish me luck in the next 2-3 months, I hope I can maintain the discipline.

[@lynn9935]

Savings, stocks, and a side hustle. Got it!

[@kwokweng76]

i love ur videos austin...........it keeps me motivated

[@ElAgustin]

I'm glad! Thanks for always commenting!!

[@jamesholding3563]

Thank you for sharing your knowledge and the things that were passed on to you. Very much appreciated.🙏

[@veronicaboyce6794]

My Nan #oldschool advice “when you work pay yourself first” and I’ve been doing that from my low paid salary for 37 years to this present day. And that emergency fund is now being dipped into to pay for the cost living crisis 😂😂and if the greedy businesses continues I will be back to square one!

[@darlaokoyi]

I just love so much the way the way you explained it

[@SophiaWhiteley]

Thanks I am bad at spending my pay check,so I am one who lives from paycheck to paycheck thanks for this video

[@WriterDreams44]

You can only never go broke again if you always have enough to cover whatever happens to you. Sometimes it isn't about the management of money but the means to not be wiped out when something happens. Like ending up in hospital.

[@Levelupwithjulia]

sounds like my current situation, iam so glad you share this knowledge, thank you too much!

[@joycewright5386]

I have been doing this my entire life. I’ll never understand why it isn’t just common sense for people.

[@mikenoneofyourbusiness7122]

Same. So many people are weak minded and lazy, it’s shocking to me.

[@theorangecandle]

To be honest it must be down to upbringing. My parents were frugal and hence that became my 'normal' I just can't imagine the concept of spending more money than I make in a month.

[@BeWaterMyFrend]

Cause we live in a Matrix. Zombies working all day just to get to our homes and get endless dopamine scrolling on social media and watching tv. That’s the sad reality for the majority of humans.

[@meropale]

It's a skill that can be learned, or not. We're human and emotional beings. We don't always do what makes sense.

[@alanward992]

Remember: We all get 100% each week. First 10% goes to yourself (Savings!) . Then budget the remaining 90% accordingly. Don't use dollars. Always work in percentages.

[@akidataylor7377]

Bro your videos are really awesome I think you are gifted and blessed

[@melaninplanz]

The “Santa clause ain’t coming to town” line TOOK ME OUT!!! 😂 it’s so true though 😂😂😂😂😂 New subbie! I love how you broke this down!!! SMART tips and strategies!! God Bless 🙏🏽

[@mohammadchaudhry1255]

Very bright analysis Credit GOES TO Your PARENTS WHO TAUGHT YOU TO HELP OTHERS

[@ladeestayceejohnson806]

Good job, young man! I enjoyed your “dry wit” . Slow ,steady and consistent are good tools to have in your tool box. Debt free, emergency fund, maxed out Roth 401k , no more paycheck to paycheck living, sinking funds = POOR NO MORE FOR ME. ALL Glory to God!

[@robinborucki4736]

Great information… got it stuck in my brain 🙂 I’m doing it! Thanks 👍

[@xlpml]

This video was really helpful I won’t lie, I’m definitely going to take this video to consideration.

[@jondalgas7201]

So simple, so great! Have a good weekend ☀️☀️

[@ElAgustin]

You as well!!

[@VKA53]

❤❤❤You are the Money Professor,Austin❤

[@solicynx7853]

You made this in a way that is understandable and doable for me. With other people just going the route of invest! invest!, but you are just struggling by. Thank you so much and hoping the next time I comment here, I would have at least be halfway through saving my emergency fund. Having the equivalent of $900/mo paycheck, it's gonna be a long way...

[@SAreamusic1]

Loved this video!! So real world and no fake or lies detected. Instant subscribe button 😊for me.

[@MariaGarcia-gv8hj]

Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices.

[@laura2255]

Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Earlier this year, I hesitated and failed to take any action until now. However, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties, I really wish I can achieve what you and your partner have achieved. I believe it will surely happen.

[@r.j5451]

Simple, direct. Great information 👍🏻

[@Jane_Moss]

this is such a great video Austin. I am a new subscriber and your channel is providing the highest value to me right now! (and many others) your simple and fun presentation is so perfect. keep up the good work !

[@ElAgustin]

I appreciate it! I'm glad my videos are providing value to your life!

[@fabiocappuccini7178]

I wish I was this smart with money when I was 30 or less. Good on you man with your channel, you have good and easy tips for everyone. Not many people has the fortune to have this type of lessons when you are young

[@Joethebro101]

Excellent video. Very well done!

[@CourtneyRobinson]

Great video Austin. The simplicity and chart is fantastic.

[@Callofrobin13]

I have a goal for 2024 and I found this video that is very good and you learn a lot from it. Thank you for your way of explaining everything, very clear to understand, I am your #1 fan

[@RebeccaGilpin]

When you venture into the world of financial investment, it's important to understand some foundational principles

[@ScottBruceman]

It simply means the allocation of money toward an asset or portfolio, with the expectation of earning a return over time.

[@ChristopherHandley-ek4ul]

Yes, It a procedure where you allocate money or capital towards buying financial products, expecting to earn a considerable return in the future.

[@NimaOmaisj]

According to Patricia strain an expert, this can occur through appreciation in the price of the asset, earning interest, dividends or royalties.

[@HilmanJacks-mq1tc]

I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash I invested the money using an analyst, and in seven months, I raked in almost $673,000

[@wandemiles]

Patricia Strain must be a great person, her strategies are top notch.

[@dreamweaversan]

Very good video! Keep up the good work! I am already following the instructions in the video.

[@Drewlianaballerina1]

Thank you so much for helping us.

[@rasilsabah]

Worth watching this video 👍🏻, well explained in a short duration

[@DavidDavisDH]

Yes frugal living is a game changer, I can say this really works. The main thing that helped me with my finances is moving out of my apartment, extra $1000 I keep now instead. I'm not rich, but I'm investing in the stock market and I feel much better now.

[@GrannyLinn]

I can’t imagine life without kids or pets, but to each their own.

[@aegisfate117]

What was your life before kids? If I was a kid of a mom and she only really lived for me I'd feel sad because what if I die? Now my mom can't live

[@GrannyLinn]

@@aegisfate117 Yes, true, good point. it’s just that family is a huge part of my life. I do have friends who prefer to live alone and are perfectly happy.

[@Macx_Asher]

Paradise if you want to cry……cry bro!!! 😂This link up is Crazyyyyy!!!🎉

[@АқмаралТалғатқызы]

Thanks for the video , everything is clear , got a lot of insights 💯💯👏👏thanks to my teacher Feruza , she’s sent this video ( we’re talking about how to be financially literate) 🤩

[@ShawanaGates]

The best video I've seen so far.

[@joshnkole8699]

crystal and clear , thank you so much

[@Truedriver865]

Thank you for making this video

[@obronibibleteacher]

Thanks Austin! This speaks well to where I'm at right now. I appreciate you and your wisdom and especially the sense of humor you have. The angelic choir around the emergency fund.. haha. So good.

[@mitchellmiller3176]

The way I saved money is I let someone i knew and can trust hold it for me. Eventually I started creating more idea's of what I can do to not only save more but make more

[@yahudaiskhanuti265]

Simple and straightforward

[@denarupp991]

Great video. Looking forward to the index fund video! Thanks for your insight.

[@Vparks]

This video describes my life 😢😢😢. But will take control of it starting tomorrow

[@michelebarnett718]

Ice cream 3x a week…Holy Moley I would think 2x a month would be acceptable and save even more

[@mikenoneofyourbusiness7122]

Most westerners are spoiled and you know it.

[@Chnacatsnflr]

Younger single people can save huge chunks of money by working for the military or humanitarian aid, like Peace Corps, Habitat for Humanity, etc. I know several people who did this. Basic living expenses are covered, so any money they made went directly into savings. Some organizations also contributed to an education fund. I know many who saved enough to go to college full-time (no loans!), or travel, or even pay cash for a small home. We tried to instill this concept with our kids, but unfortunately they chose the work/spend/debt treadmill.😂

[@ElAgustin]

People just have to learn their own lessons, haha. It's like the Wizard of Oz!

[@mikenoneofyourbusiness7122]

Youngsters are entitled and spoiled. They’ll do what’s easiest, meaning debt. I’ll be laughing when AI also takes all low IQ jobs away and they starve 😂 There’s no hope for most of them.

[@jacqueslee2592]

I wouldn't want to be in the military since the money that could be used in the US to make life more affordable is being wasted in war and other countries like Israel and the Arab Gulf countries.

[@kessijhones123]

Hey Austim im from brazil and im learning a lot from you i 29 divorced and starting again, i have no kids but i like so, maybe in the future!

[@jessecejashlp]

Thank you so much I really appreciate it

[@miriamperez26]

Wow, you are so inspirational. Thank you for sharing this useful information. Que Dios siempre te bendiga!

[@randyroachjr9974]

Hi Austin, I just came across your vlogs and I have already watched 4 in a row and I have to tell you thank you for the way you present money and how to handle it. I have already started writing down my bills and tracking my personal budget. My eyes have widen already because I am right up there with the retail therapy. Keep making these types of videos because in the short time you have explained better than buying a book on personal finance which I had to stop myself from buying,

[@johnboy6594]

Stay Single. Save all you can while living home with parents. Dont have children. Keep saving all you can.

[@rencechannel2240]

Same here. Even in the afterlife.

[@CAGChannel1]

And then not have what REALLY matters? No thanks

[@asavannah7439]

I've been happily married for over 18 years. We are child free and both working full time. We have achieved a lot together, 3 properties with no mortgages and zero debt,we're in our Forties.

[@megjuan3495]

Husbands can be source of income! Lol! :-)

[@asavannah7439]

​@@megjuan3495 For some women they are for sure

[@flornavidad9771]

Thank you Agustin!!!! Great ideas like always ❤️ have a wonderful weekend

[@ElAgustin]

You too!

[@andrewawood3658]

Austin gr8 video I Agree 💯. If I might Add Also get rid of debt in the process.

[@misslinda772]

After the 2008 Recession, I learned to pay bills months in advance. (This meant anything from HOA fees to car loan payments.)❤

[@misslinda772]

@EIAugustin your videos have helped to reframe my thinking. This includes how I spend my money and the importance of planning for the future and not just living in the moment. A lot of the principles you’ve discussed I am well acquainted with, but once again I needed a reminder. Thank you so much! ❤️

[@Ayechevv]

Great advice

[@HazardonerFTR]

Great advise I would add buy a home you can afford and pay it off asap

[@justvibing2497]

Great video

[@WIDOMU]

Thanks, I really need this right now. I'm so broke that I literally searched, "How to not go broke.".

[@tracynguyen726]

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Katherine Flores.

[@HoangJames]

I'm surprised you know her. I've been making a lot of profits investing with her for a few months now.

[@dr.burakdeniz]

Mrs Flores changed my life because of the high profits I got from investing with her.

[@Austin195]

You invest with Mrs Flores too? Wow that woman has been a blessing to me and my family.

[@toddhozier]

I'm new at this, please how can I reach her?

[@Christianserratos154]

I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much

[@kevinfestner6126]

I'm in step 4, but due to inflation, I do add to my emo fund by 100 bucks a month. I do need to refine my frugality, though. I save 46 pct gross from every paycheck. The goal is to rely on this seasonal job.

[@ElAgustin]

I'm happy to see you're still sticking around watching and commenting on my videos, Kevin! Best of luck!

[@kevinfestner6126]

@@ElAgustin You'll never lose me.

[@monishthomasp]

Well great video and great advice as usual.. muchas gracias Austin 🙏🏻❤️

[@duanekaaz3159]

Yeah. I need to Quit buying Sports Cards. Etc.

[@mikenoneofyourbusiness7122]

No 💩, do it. You deserve better!

[@Autumnbudgets]

Hi Austin fab message to send and even though my little channel is all about this (and I live a long way away!) it’s universal you can start where you are with what you have! Much love em xx🇬🇧

[@christined4842]

Hey Austin I work full time I make 17 dollars an hour. I live in a house with no payment. Literally in one room so I don’t have to heat the whole house. My electric bill is 170 a month with one space heater that’s all. I have an emergency fund of a thousand dollars. I buy no groceries. I take leftover food and bread from work. Have no cable, never eat out, never go on vacation and guess what still can barely pay my bills. Property insurance and taxes car insurance, holiday gifts, credit card bills etc. I think your ideas would have worked great 2 years but aren’t applicable now. Times are tough. This is the worst I have ever seen it

[@christined4842]

I just started driving Uber after my 12 restaurant shift so maybe that will help idk

[@christined4842]

Of course being frugal is always the best way to go. It’s just now you can’t make it on your own. You almost have to live with someone to help with bills

[@doomedwojak420]

The system is a cage and a wagie can't escape. Just accept it, you are a slave (99% of us)

[@doomedwojak420]

​@@christined4842 so whats the point of cutting yourself from life joy if you still can't save money? I don't get it. Also you can get sick anytime and your savings will gone. Life is too hard that's a good reason to don't make kids

[@christined4842]

@@doomedwojak420 yea I don’t have kids. I could never afford it