How To Take Control Of Your Money | Sustainability and Saving Tips

Get $50 when you sign up for Aspiration with this link: www.aspiration.com/get-accoun... | I'm excited to talk today about managing your money! I discuss how banks works, ways to think about managing and controlling your money, as well some (sustainable) tips to help you get better at saving money!
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0:00-3:29 intro
3:30-6:25 how banks work
6:26-10:45 get better at money management
10:47-16:42 tips to save you money
How to Start Investing for Beginners: • How to Start Investing...
How To Budget And Save: • How To Budget And Save...
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The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Paid experience may not be representative of others and is no guarantee of future success. aspiration.com/disclaimers. Aspiration is under separate ownership from any other named entity. Aspiration is not a bank.

[@peytonsmithdupree]

YES CUTE GIRLS TALKING ABOUT FINANCES!!! god I’m so sick of all the yt dudes who talk about money. Keep these coming Elena! u rock

[@basithashmi3844]

Exectly. she is beautiful and wonderful talking about Finance

[@ShakkIsLife]

lmao this is such a cringe mindset holy shit.

[@Ava-jt6cc]

@@ShakkIsLife what? wanting someone who you can relate to talking about a subject dominated by a particular group (in this case men) is completely fine lol

[@HomeWorkouts_LS]

Outside of youtube, there's many professional financial planners/advisors who are "cute girls" if that's what you're into.....

[@jofranco]

YES YES YES BABY GIRL! We need more finance videos like this - love the sustainability tips.

[@lolaxx2033]

when my faves interact 🥰🥰🥰

[@stephanievigen]

The pandemic made many Americans realize how important an emergency fund is. Most Americans cannot shoulder an unexpected expense more than $400. For the new year, I want to save 3 months of expenses!

[@mvarano3]

Money management strategy that's been working for me lately ~~ whatever is left over after I contribute to my 401K, I have my employer split my paycheck into 2 checking accounts (which are connected to the same bank where my CC is). The percentage of these 2 splits coincides with the budget I've created for my bills and what I call "fun money" (anything that is non-essential). Having the two accounts as a visual REALLY helps me understand my cash flow month-to-month for various spend categories. It was also really easy to open a second checking account with my bank -- I feel much more empowered in my finances lately!

[@darian7802]

I was wondering if you could do a video on online safety/identity safety? I find myself getting more and more worried about identity theft and fraud as I enter my 20s; considering how much of our personal information (name, address, phone number) is one Google search away...

[@Amanda-bg8gp]

elena talking about finance is my favorite elena

[@MoneyTalkwithChris]

Elena you are an INSPIRATION!!! I lost my job due to the pandemic. Since then, I’ve started a KZbin Channel on Money…and it is GROWING! Thanks for all of your great content, and to everyone else…NEVER GIVE UP!!!

[@KelseyRodriguez]

I absolutely love Aspiration! I was so thrilled when I saw that you were partnering with them for this vid. They've been my bank for years and I love all of their ethical/sustainable features, plus that APY!

[@KennedyHaffner]

I love that you open up and bring these topics to light! It truly is SO important!

[@tessior621]

Not me, a 57 yr. old financially sound woman learning a thing or two from my favorite 20-something youtuber!! Thank you, Elena! love your content!

[@JackieTalbott]

14:23 haha aw yes! Growing up grocery shopping with my dad, he taught me to look at PRICE PER OZ when choosing an item (usually not name brand unless you want to splurge once in a while). To this day as a grown up lady that's how I shop, great advice.

[@CarloGonzalezTV]

I felt what you said about food to my CORE 😭 It can get so annoying having to figure out THREE meals to have in a day. I need to get into meal prepping 😭😭

[@AmazingAdry]

thank you always for your videos on finance. it’s not talked about a lot and it’s so helpful whenever you talk about finances

[@bltpod]

This is so helpful! I appreciate the calmness you provide when talking about finances. It helps put the ease into this topic that is so often discussed with such anxiety.

[@storypunman]

Save for a rainy day, if you never believed in this concept; this pandemic is your lesson. No one says not to live your life, but also focus on your finances. Early planning and learning can get you early retired. But learn this stuff yourself and don't rely on the industry to take care of your money.

[@nehabhat660]

YES. MA’AM. say it loud, say it proud!!!

[@paisleyoshea]

Absolutely love this! PLEASE keep more financial fluidity videos coming!

[@abi8148]

thanks for making these kind of videos Elena!! they're v empowering :))

[@Madeliefschram]

thank you so much for this! I never had a good example and never learned things about money at school. This is so helpful!

[@lauramarazzi1012]

Love your finance videos! They are so inspiring!

[@TheMABAlife]

More finance videos like this! Love to learn more about investing, saving and finance

[@tovchieratchie5116]

I love the money, fund and tips topics. Let’s talk about this more please. Thanks ❤️

[@toripuras]

Yes yes yes!!!! We needed this!

[@mickylene]

I didn’t know banks did this with my money 🥲

[@bellasheehan]

I love this pivot to financial literacy content. THIS IS WHAT I NEED. You’re giving me Margot Robbie in the Big Short vibes. Thank you for making this so accessible.

[@alinawilsson]

Thank you so much for this video! Helped me out so much!!

[@ashblmr]

this vid came at the perfect time for me! thanks, Elena :)

[@juliawoodson5136]

I love your finance series! More women need to be involved in these convos!! Good for you for using your platform to help a sista out :)

[@ameliaturco9849]

Making content during a MOVE we love you

[@suryarichman]

I love these types of videos thank you!

[@selenaschmieger9683]

Beautifully done, Elena :)

[@gwynneio]

Another plus of smaller banks like aspiration- WAY better customer service thsn I got with Chase and BofA! Like, waittimes for phone help is way shorter. Bless 🙏

[@jacobcastro6056]

I've just begun using YNAB this month, and it is AMAZING. It's honestly exactly what I needed for my finances. You're right, it is tedious and not for everyone!

[@ElenaTaber]

It’s super helpful for the right person!

[@addywells5470]

I love this! Letsgooo ladies, build that wealth!

[@rudyluna6245]

You are really awesome- I love your knowledgeable and CONFIDENCE

[@juliehaneline]

I love the variety of videos you make! I love to travel & talk finance as well so it gives me hope that I can add both to my new channel! ❤️❤️ You’re amazing!!!

[@textontelegrambriantong_0141]

>>>Thanks for watching and don't forget to hit the like button and if you want tips and insight on investing..Dm Above 👆👆👆👆.

[@aminajanjua6904]

Good to see you again 😊 wish to see more of your jewellery and the links for it, please.

[@claireolivia2578]

Why are you the prettiest person I’ve ever seen

[@ChainCat23]

Girl, I love your channel

[@cmcaggia3]

I'd love to see more content about second hand, what apps do you recommend? How do you evaluate thrift stores sustainability vs. overbuying from areas which have people who depend on low priced clothes?

[@gyeongjinlee184]

Love your financial tips even though i didn't finish this vid yet

[@sarahmuscato6001]

I respect the pre game comment!!! Even in Pittsburgh when the g&t’s are like $5 bucks, it can add up!!!

[@melissaparedes8661]

Thank you so much for this video it really help me a lot

[@robynmitchell1992]

50/30/20... Great aspirational goal but so unrealistic for many of us! My rent and bills alone comfortably exceed 50% of my income, and that's even before doing a food shop!

[@stancyholland7923]

Reason why everybody should have a profitable investment running. People need money

[@yahairaadams5478]

Thank you for this! Loved this. Can you please do a video on how to be sustainable, for beginners? Thank you! From Australia.

[@Bigbookhead]

Thank you so much for doing this! Do you think you could do a video about where you do your taxes for self-employment?

[@nathalieex247]

I had no idea that banks used deposits to fund those kinds of unsustainable projects! Thank you for bringing light to this because it makes me want to research who I'm banking with beforehand!

[@meghan11]

love this babe

[@manonasr6195]

very interesting and thank you for the advices !!

[@mickylene]

Can you please make a video explaining what options are?

[@plan_bBitcoin]

I made my first profit of $2k today!!Feels like I won the world cup finals 🎉

[@fred-bw8hf]

How?

[@BoomingBuIIs]

CONGRATS! I'm waiting for something like that to happen to me too

[@napoleonmarco2060]

Yes I know the feeling

[@plan_bBitcoin]

@@fred-bw8hf I have about 15% of my portfolio in uranium stocks,10% on GEVO and the rest on crypto,l was adviced by my coach to hold on to my shares as long as possible rather than trading earlier.

[@plan_bBitcoin]

@Bazylev Thomas Mrs Sophie Fletcher . She has been very influencial to my financial journey.

[@REYMARTZHD]

Just saw a USAA commercial and saw Elena Taber on it :-)

[@Adr_123]

this video is the best :) thanks

[@danuelliaramdeen7373]

Thanks for sharing this video. Love it

[@Danielisetravel]

I love that you make these kinds of videos! I just finished my masters in accounting and am always trying to teach personal finance whenever I can, it’s so important!

[@AdamJBell]

ooh I like this. More in this style!

[@stancyholland7923]

Reason why everybody should have a profitable investment running. People need money

[@DongandYan]

That was really informative. Thanks for sharing🥰♥️

[@stancyholland7923]

Reason why everybody should have a profitable investment running. People need money

[@elizabethbelfiori2512]

thank you!!!

[@rebeccasylvernale8531]

Social work input here- while I super love the way you make financing incredibly accessible to your audience, I think it's important to add disclaimers in these videos that a lot of money-related problems in the US are related to the increasing wealth gap and increasing amount of Americans falling into poverty. I think a disclaimer would help your lower-income audience feel more included and listened to, and because you have such a big audience, it might make wealthier fans more aware of problems in the US to focus on/ donate towards/ vote towards.

[@StayingStrong413]

yess thank you for saying this

[@leahmcdermott4189]

@@flennboyd6413 Loool, no. I don’t think that’s her job.

[@sophieholubicka7875]

so awesome !!!! love your finance content

[@elenataber8874]

Thanks! Link up

[@elenataber8874]

+ 1 . 9 1 7 .2 7 2 .0 1 5 3 🇼​🇭​🇦​🇹​🇸​🇦​🇵​🇵​💬📲

[@vvvviiiicccc100]

this was a big sister moment

[@julianagalofre7502]

Such a great video, thanks!! Shared to close ones 🙂

[@bertarovira]

I love all the resources you provide but do you know a similar option for European citizens? I feel like in Europe is harder to find these types of banks... Thank you! Love your content recently :)

[@LeaNezz]

Omg yas I just posted a What I Spend in a Week video and it was way more than I can afford to sustain. Needed this vid, thanks Elena!!!

[@TeeshJay]

love this around tax return season lol ... apparently i made 60k last year no idea where it went 😂

[@kelseysmess]

Just impulsively bought a $350 sweater. This video came at the right time

[@ElenaTaber]

hahahah im here for YOU

[@LeaNezz]

This is my problem as well hahaha - impulsive clothing shopping

[@saraha.1336]

i never even had 200 dollars in my life

[@96213sam]

What sweater was it?

[@carrabowes1688]

Elena - I really love the sponsor of this video and the lens on sustainability but it’s hypocritical to link your favorite CC which is a Chase card because Chase is arguably the worst financial institution for the environment and they do exactly all the immoral things you were talking about....

[@hodayarden]

This is so weird for me. Im from Israel and living here is so difficult financially in comparison to UK Europe and USA. All of your tips are my standard living situation lol! I do love that you have more ethical banking options and more easy ways to track your money and invest it. Loved the vid anyways!

[@hodayarden]

My personal top 5 tips for saving are- Going off social media and shopping platforms when you need to be more restricted with money or even trying to save up. Go to the cheapest grocery store rather then the nicer ones. Has a very big impact when it comes adding up the price gaps. Idk about where you are from but here public transportation is huge. Its a great way to reduce your carbon emissions and it saves a LOT of money!!! Try eating out less or cut it out completely and recreate your fave foods at home with friends- fun, social and saves alot. Prep you meals and drinks for your days in advance so you know you dont need to buy a snack, meal ir even a drink when you already have it.

[@stellaborges]

yeeeeesss woman 👏🥰

[@SamElle]

I really like these videos that focus on money and finances!! SUPER helpful and things that I dont learn in school!!!

[@ElenaTaber]

stay tuned for more!

[@shazzles123]

You are frickin awesome

[@deeva213]

Love the easy-to-understand financial tips!

[@wmmarquez]

I watch this just to look at you but then I will watch it again to get what you’re saying.

[@ASHUTOSHKUMAR-vf8ip]

Manage money is good thing

[@nejiskunoichi0011]

Also another grocery tip is take advantage of a rewards program that your grocery store might offer.

[@stancyholland7923]

Reason why everybody should have a profitable investment running. People need money

[@biancarohler8590]

Great Video :D

[@journeywithcerney-stockvid3563]

The 69% stat doesn't worry bc most people probably have the money in checkings but won't spend it. I invest a certain amount and always have X dollar amount as the bare minimum in my checkings account to act as an emergency fund so in actuality its savings

[@davidparnell4675]

Awesome

[@WhoopsieDaisee]

All these tips are super cool - I wonder if anyone can answer, how much is what Elena talks about only relevant in an American context? Like some of her previous vids about saving for retirement don’t hit me as hard bc in Australia that’s taken care of with superannuation

[@WhoopsieDaisee]

Wtf I’m watching more - you still have CHECKS in the US!!?!?

[@TeeshJay]

lol i thought the same thing they don’t have direct deposit? and etransfer? also our retirement in Canada is called CPP RRSP and TFSA!

[@in1624]

@@WhoopsieDaisee some jobs still give checks but I’m pretty sure most do direct deposit. Personally, I’ve never had a job that gave out checks and I do live in the US.

[@meghan11]

that microphone is so good

[@ElenaTaber]

I just upgraded it!! So glad someone could tell haha

[@hannahgriffee225]

one of the best pieces of advice my mom ever gave me was to buy the 365 brand at Whole Foods

[@ginime_]

I think I have a problem w buying handmade accessories/decor. The artist side of me doesn't mind paying more bc I know how much time and effort goes into creating the products. But my broke college student self cries when I realize how much I spent. I rationalize by saying good quality will last longer than a $5 item from Target, but that doesn't change the fact that an unnecessary chunk of my money is missing right now.

[@EinfachxAnna]

Nice Video Nice tips I like and budget always

[@textontelegrambriantong_0141]

>>>Thanks for watching and don't forget to hit the like button and if you want tips and insight on investing..Dm Above 👆👆👆

[@TheDaVintagist]

You are the best at providing practical money saving tips!

[@eugenecorey7388]

hiii can u make a video about how to transfer cards when you move to another country and how it works basically cos im so confused and i can't understand it.

[@Je.rone_]

I shout at it

[@southwestfloridaliving4302]

Where is a good place to start to open a Roth IRA? I’ve heard you talk about it your videos and I’m ready to take the plunge! My first thought is starting with my bank.

[@textontelegrambriantong_0141]

>>>Thanks for watching and don't forget to hit the like button and if you want tips and insight on investing..Dm Above 👆👆👆👆.

[@kendravoracek3636]

💚

[@mrmonday677]

Elena is becoming one of my favorite youtubers i swear. Such Wonderful Human.

[@wavedancer12ify]

The level of gesticulation in this video lol

[@Cocotulips]

I had just finished my bi-weekly finance check and saw this video in my subscriptions ~ spooky 🔮

[@katlirad8292]

baby I can’t save money I don’t have

[@jaec6397]

Hey, speaking of managing money any update on the merch?

[@monicapena2168]

I love tuning in on your videos that deal with financial literacy. So helpful! It's crazy how it is not embedded in our education in the U.S.

[@KusumLata-sp8tk]

Good

[@nhelrebolanan]

❤❤

[@textontelegrambriantong_0141]

>>>Thanks for watching and don't forget to hit the like button and if you want tips and insight on investing..Dm Above 👆👆👆👆.

[@cordeliastockwell1837]

Definitely will check out Aspiration. Check out Ellevest for female-based investing (womxn investors, business championed by womxn, etc). I love the mindset shift they are making in the financial world!

[@stancyholland7923]

Reason why everybody should have a profitable investment running. People need money

[@diwansinghkunwar6249]

Like it

[@ananyarajaraman3430]

God I adore you