Finance YouTubers Are Lying To You

[@AccordingtoNicole]

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[@hivyfalou1393]

It's TEMU 😂😂😂😂😂😂😂😂

[@ellamaykuppai4807]

Are you also not selling?? not saying what they do is corrrect. but, you also seem to do the same.

[@TheOracleofWhimsy]

This was a good video Nicole. You are right about YT; it is basically a way to make money off of infomercials for your business.

[@hivyfalou1393]

@@ellamaykuppai4807 But she's selling something that she uses herself not lecturing about, that's a huge difference

[@KishTalksCredit]

...totally recommend DeleteMe, I've used it for a year now!

[@phuturephunk]

There's an old adage that was told to me when I was much younger and it holds today as much as it held back then : Anyone who is trying to sell you on a method to make money is making more money selling you the information than they are actually doing the activity.

[@Longlostpuss]

EXACTLY

[@hard2getitrightagain314]

This is always true

[@sliceofheaven3026]

True since if they actually would know the way to make a lot of money they wouldnt be selling courses but rather use those ways to make money themselves.

[@SafwaanMohammad-s7v]

@@sliceofheaven3026 and they wouldn’t tell anyone, why would you let thousands of other competitors into your niche? That’s only gonna harm you in the long run

[@jeffcharles9344]

Yeah, like Don Lapre, and look what happened to him unfortunately.

[@dpayneless1962]

I call this the Ramsey effect….. He tells people how to get out of debt, and he’s right. But then he tells people how to maintain or get ahead and it is nothing like the way he did it. He makes his millions, tens of millions, hundreds of millions off of the advice he dolls out (book sales included) and the insurance financial guru institutions he has set up. So, as I tell people who are in severe debt, use Dave Ramsey to get out of debt, but don’t use him to get wealthy.

[@SmallSpoonBrigade]

It's true of pretty much all the major names in financial education because the reality is a lot harder and can't always guarantee success. Nobody will ever get ahead if they don't have at least some disposable income that they can apply towards savings and investment activities. If you're working a minimum wage job where all of your money is already going to things that can't be cut, then you're never going to get anywhere, and thanks to changes in the economy, that is a thing that does happen. When most people have issues related to savings and the like, you do have to question to what extent you can really blame those folks for the situation they're in. And most of the advice that I see being handed out is just inappropriate to people who have real problems with finances. Most of it is like typical organizing books that are geared to people that fundamentally don't have a problem, they just don't know what to do. Definitely not people with real problems that need real solutions.

[@eddenoy321]

Kiyosaki's courses and his army of presenters made him rich. He was almost cult-like . He was not the only one.

[@DefinitelyNotRin]

Disagree cause he's helped so many people including my own parents. They followed his advice and got through it. It's not easy but it's the mindset and strategies to get through it. One thing I will say, I think for people who are in severe debt. Bankruptcy might be your option. Dave filled it himself. So he's no better than it.

[@eddenoy321]

@@DefinitelyNotRin If you cannot think for yourself and do some due diligence , then maybe you need online gurus , if you are that lame or senile.

[@aisherwasher6959]

Ramsey is very clear that you don't get to his level of wealth by following the baby steps alone. They're not meant to make you a deca-millionaire or help you to retire early, simply for you to use your money wisely (and biblically) so you don't need to worry about finances for the rest of your life

[@ArtbyPaulPetro]

I appreciate your integrity. The stuff you talk about here is also rampant in the fitness KZbin arena. clickbait, selling BS supplements, hawking total garbage concepts as "science" and on and on it goes.

[@andreabellini6796]

During the pandemic, after being laid off, I started a non toxic housekeeping business. Start up cost was extremely low now, nearly 5 years later my business brings in 6 figures. If it wasn’t for the pandemic and desperation I would still be doing a 9-5 instead of working 20 hours a week.

[@malaquiasalfaro81]

If you don’t mind me asking, are you in a large city with a big population / which metro area has a strong enough economy to sustain something like this?

[@andreabellini6796]

@ yes, I’m in Las Vegas 😊

[@aluisious]

You are not netting 6 figures cleaning 20 hours a week.

[@TKUA11]

Can I get some money too?

[@SJD904]

​@@aluisiousexactly Fake!!

[@richardteale3217]

Hi Nicole, I’m a seventy one year old Englishman and I want to thank you for your ultra grounded common sense videos. The first one I ever saw was the one where you started buying and selling with the guitar. I have just watched this one and you have totally confirmed all my conclusions about the pluses and minuses of u tube . There are so many lazy people in this world who will not put effort into thinking about and researching things . They are all around us . I wish you lived near me as I think we would be good pals , however the Atlantic is very wide and a bit wet!! Very best wishes for the future and I will continue to watch your channel with interest. Regards , Richard .

[@dancingnachos3634]

What a gentlemanly comment

[@harrietxo2310]

As a Brit, i completely agree with your comment!

[@rodrigosalazar1766]

Good comment. I just found this channel. Definitely subscribed.

[@PR.Hobbit]

Intellectual lazy and creatively inept

[@OverallPlayerRatings]

All the finance KZbinrs who claim to be making all there money from real estate and crypto make all there money from KZbin and selling courses.

[@elguis201109]

Exactly, they are smart cause in their head it clicked just like all the other scamers thru history, "what's gona make me money is convincing them they can make money from it", sadly now I feel the lie has exponentially increased cause of social media and what not

[@slax4884]

Not just that sponsors and affiliates list too and giving corporate speeches

[@seltzermint5]

it reminds me of multi level marketing "boss babes" so much

[@axil03]

their

[@JBass33]

Exactly. The finance “gurus” have it so easy these days to separate people from their money. Back in the 70’s, they had to put on big seminars in hotel ballrooms often in different cities to tell people about the “secret” to make big money, usually in real estate. After a big presentation that consisted of bragging about how much money they were making flipping houses, they would tell the audience that they needed to buy their book or sign up for advanced courses to actually learn the “secret”. Now they just do the same thing with a lot less works through social media.

[@PapaD104]

The difference with the shovel salesman is that the shovel actually works as advertised. Great video.

[@joycef8443]

😂😂😂

[@areyoutryingtosay]

so true!

[@rhonda-my_honda_cb500x3]

So do you (work) *when* you *use* the shovel as advertised 😂

[@endocrinemusings]

your comment @9:41, “they didn’t get rich from following their own advice, they got rich from giving you advise they don’t follow.” is right on the money (pun) 😂😂😂😂😂 ….and this same phenomenon occurred in the 80’s and 90’s, when a ton of self-help books and TV shows exploded but did not make everyone healthier, better looking, and or wealthier

[@Adelina-293]

*Robert Kiyosaki intensifies* Would you like to know more........... pay $500 for a scam seminar?

[@kosfireandbushcraft]

absolutely right! people don't realize that if something is too good to be true, then it probably is. as george carlin said: it's a big club and you are ain't in it! they won't tell you their secrets about getting rich (they want more money, not competition). also, egocentric bias: many rich people born into a rich famility/grew up in a wealthy city/hand entrepreneur parents to learn from/had barely any commitments (groceries, looking after kid/parents, commuting, etc) so they had enough time to invest it into a business. all of them forget about the "yeah, my parents gave me a couple grands to start stuff" thing.

[@eddenoy321]

The same can be said for the OG gurus like Kiyosaki and Ramsey...they just came came along before the internet. Telling people how to get rich was always very lucrative . It's nothing new at all.

[@FadedHolySoldier]

Solid gold quote.

[@MJL-3093]

Truth. Why aren't we all healthy, wealthy and gorgeous by now?? 🤣

[@richardnicholas2957]

We appreciate your integrity in choosing advertisers. Your channel will continue to grow as well as your income doing things the right way.

[@nadinebouchard9843]

Thank you Nicole!

[@AccordingtoNicole]

thank YOU!

[@workingclasscook870]

Roughly 90% of businesses fail, it's systemic.

[@tamwilfred]

The prevalence of the 9-5 job stems from its predictability and security. Entrepreneurship isn't for everyone. It's reasonable to conclude that operating a business, potentially working 100 hours a week for a year or more, with only a small profit margin, carries significant risk, especially for those with a spouse and children to support. We like to glorify the few that make it big but what about the 90% who might have gone into debt trying to make a business successful.

[@Toksyuryel]

Sturgeon's Law in action

[@adamm2851]

Not true

[@samkitty5894]

It's like going to a free "self improvement seminar" only to be pushed and forced to pay $ 500 for the books... Those lucky enough to discover a secret of making money are NEVER going to reveal it to others. When I was a young boy I would return home after successful day of fishing, bringing load of fish...people wanted to know where I fished...I never told them the truth. I actually pointed them in the wrong direction.

[@pierresheehy6748]

hi Nicole. thank you for your integrity.

[@daveduffy2823]

Here is the advice I gave my kids. Don’t pick a career that can be automated or outsourced. Do a customer facing one. Provide a product or service that makes peoples lives easier or something they can’t do. Most of all, be able to tell the difference between want and need. Both are in their 20’s and doing well. Only one of them went to college. Also, keep in mind influencers are just marketers.

[@travellingplumber8528]

As a 43 yr I sometimes feel terrible for the generation now entering the work force, housing market etc But after watching videos like Nicole’s it relieves me that they have access to content like this. Navigating what advice to follow is the hard part tho Thanks Nicole for your content that you share with the world. It must be extraordinarily satisfying to do what you do

[@justinclark8360]

As a Canadian I appreciate this channel.

[@sparkyblazeup1]

What does being Canadian have to do with anything?

[@MJLUCEY-sd1mq]

@@sparkyblazeup1 If he (presumably) were American, he would loveeee it.

[@garyExposMtl]

Thank you for this video. I unsubscribed from all those scam KZbin "finance advice" channels.

[@mrtonyvillagomez]

100% thanks for the honesty. Subbed

[@knightsofazeroth]

The adage of "if it sounds too good to be true it is" is the best rule of life. Yes owning a business is great but like you said its a lot of work. Even if you are successful, and have employees doing your meanial work for you you are still working 24hrs a day doing financials and growing your business. Most businesses fail, in the first year or two, the next failure is around 5-7 years after it becomes realatively stable because the owner thinks thy are richer than they are and starts living beyond their means. Buying a over price car a boat and all the toys they always wanted or think that they missed out on. The focus becomes having a goodtime rather than keeping focused on the business. Most independant business people dont realize is that all they have done is bought themselves a job, and keeping the extra mouths from the feed trough is the only way you make money, and if you do make a scaleable jump to the next level sometimes the investment in time & money is not worth it. For the average person being employed by someone else is a better and safer place for them.

[@nettewilson5926]

So true. And if you are an honest and fair business owner you may achieve moderate wealth, but it won’t be quick or easy. And most people who start businesses are inherently hard workers who can never actually quit working 😆 although I do know a few exceptions.

[@Mekias]

Having ethics and morals almost always hurts your earning potential as a youtuber.

[@AccordingtoNicole]

It can hurt your earning potential no matter what you do for a living, but really only in the short term. Having integrity is playing the long game.

[@DamonCassidy]

It drastically affects it

[@JordanS-ww4eu]

@@AccordingtoNicoleI really really like you you’re my favorite finance KZbinr ever

[@raymondchandler697]

A Chicken Little reference 😊😊😊👍

[@gailtaylor1636]

Ethics broke my dad. Competing business in same town became a millionaire doing exactly the opposite of dad's way. But dad never had a minute of insomnia.

[@ElviraChorna-xk2kl]

Honest and true opinion. Thank you, Nicole, for saying that out loud.

[@iamjane9628]

Nicole, I love how you always keep things real. You are the bomb.

[@James-zu1ij]

I personally don't click on thumbnails with flames or people with a shocked expression (or the word shocked or "truth" etc). There is one young lady here in the UK who not only has these, but also a picture of Warren buffet in the corner. It infuriates me because it probably works. Going on a bit of a tangent here. What disturbs me more is that 70% of adverts on KZbin are scams. KZbin has no moral backbone.

[@MJLUCEY-sd1mq]

To them a lie in a pretty dress is preferable to the naked truth. No nudity of any kind allowed here.

[@alinatamashevich3354]

Another thing that was missed is about the rental real estate gurus, they will never share their true P&L statements. Many are at max money, 90 days from their financed kingdom from crashing down around them. You have to have a large cash cushion to be able to survive the ebb and flow rental income has. Yes, one can get very wealthy, but most do not.

[@Mo4Honesty]

When people say that income producing real estate is a great investment, it's not technically an investment. It's a business using property as the vehicle. You can't just write a check and collect monthly income. You have to actively manage the properties, marketing, tenant communications, and repairs.

[@SmallSpoonBrigade]

Yes, most people are better off buying into well-managed REITs if they want real estate exposure. Owning properties can easily be an entire job, and you may well get stuck showing up in the middle of the night to deal with problems that arise.

[@jimkelly4214]

​@@SmallSpoonBrigadeI to recommend RIET,s.

[@FIREwithVern]

Yeah, I lost money due to Meet Kevin pushing a pump and dump stock. Lost so much respect for him.

[@ThePaulGardner]

That guy is a slimy POS for sure! Steer clear!

[@Draggonny]

I just accept that my finger is not on the pulse. By the time I hear about any stock it's probably already peaked and someone else has already made the big gains.

[@rustyray420]

Why would you take stock advise from realtor who didn't even touch stocks till the pandemic? 😂

[@drjs2431]

A fool and his/her money shall soon part.

[@hdhdhhehe6709]

Wow thank you for exposing them. The truth has been revealed. You slayed that tea huntee.

[@laundrygoddess4]

I was having a lousy morning, then I realized it's Sunday so it's a Nicole day! Day instantly got better. So many people are so full of it. You are a breath of fresh and honest air.

[@hottuna7]

@10:55 you hit the nail on the head. Why would any gambler teach you how to beat the system? A long time ago there was a case where there was an ad in a magazine guaranteed to make you money. The scam was that after you sent them "your money" they would tell you that all you had to do was place the same ad they did and wait for the suckers to respond. lol

[@reviewsbygen5591]

Why are so many KZbinrs trying to tell viewers to start KZbin channels lately…. Like almost promoting it…. It’s been so obvious… not everyone wants to be visible for the world 24/7 and not knowing what actually happens to their privacy.

[@consumerdebtchitchat]

LOVE this channel Nicole. I have found that MOST large youtubers (not all) lie in some way or another. From how to deal with money to how they grew their YT channel. Keep preaching the truth gf. We love you.

[@LBryant0106]

Thank you for having high integrity! Another reason to support you!

[@Debraa-h7d]

Thank you so much for your integrity, Nicole.

[@freesk8]

Thanks for the honesty. There is way too little of that in the world today. And thank you for defending freedom of enterprise. The world needs more of that, too.

[@gracesimplified3860]

The more a you tubers content becomes highly produced and they start selling their own courses and products is when I bow out. Caleb hammer is an example. So many videos are just mirroring each other. The more authentic a KZbinr is the more they stay fresh.

[@lakerskid2013]

That’s very true. Have you also noticed with any type of content generally speaking they all tend to share the same opinions as one another? It’s almost like sometimes there’s secret cults going on when there’s narratives to fill just so they don’t get demonetized or face a whole bunch of scrutiny.

[@gailtaylor1636]

i hate slick 2 minute intros to a twelve minute video. The 10ish minute video time is the goal. NOT the info they selling.

[@SummitMan165]

Very good episode Nicole ! I’m with you on this subject and I really appreciate your honesty and integrity! Keep up your good works ! Seeing that 4K views in only 3 hrs after releasing this video… I’m definitely not the only one !

[@michiganman845]

Commenting to help, always stay humble Nicole, even when you're making it big.

[@brandonb7120]

I’ve noticed many examples that you kind of brought up where because some of their brands are tied to their ‘frugality’ or minimalism they’ll find reasons and excuses to finesse the system. “I bought this super expensive sports car because it will appreciate in value so it’s actually an asset” and “it was better buying the mini McMansion compared to the normal house because it’s more attractive to sell in the future” are examples. Like just be honest - “I got filthy rich peddling sh$t to my viewers and I’m going to spend it however I want”

[@AccordingtoNicole]

I will push back a little and say that just because you’re into minimalism or frugality or whatever doesn’t mean you can’t splurge on nice things that are important to you. In fact, that is the very essence of minimalism- prioritizing the things that make you happiest. Less but better. And people on internet can be insanely dogmatic and critical towards strangers who they feel aren’t making the decisions they agree with. But truly, no one owes others an explanation for the personal choices they make. However, when it comes down to exploiting your audience to get those things, I do agree with you.

[@brandonb7120]

@ I understand what you’re saying and I suppose the specific examples I’m thinking of are because those particular KZbinrs literally built their brands off a frugality of you should spend only what you must for necessity - almost a race to the bottom, until they made money and all of a sudden that got pushed to the side. It showed it was more a marketing ploy due to the popularity at the time of those topics

[@AccordingtoNicole]

Or maybe they used frugality when their circumstances required them to and it paid off, and now they can live a little better. If they made a bunch of money and continued to act like they were broke for clicks, that would garner criticism too. You’re damned if you do, and damned if you don’t in the court of public opinion.

[@Scott-o2w4n]

@brandonb7120: A true asset puts money in your pocket. Liabilities take money from your pocket. The super expensive sports car you bought became a liability when you paid for it. Liabilities take money from your pocket. The car doesn't provide any income stream as a true asset should, If you drive it you'll incur more costs. Plates, registration, insurance and maintenance. While in may increase in value over time you"ll still have to find a buyer to realize any profit, Will your profit exceed the rate of inflation?

[@donaldlyons17]

@@AccordingtoNicole Well no people who explain their thinking and also admit their luck are more likely going to explain away some of their issues.... IF I say well yeah frugal made this or that more likely and faster but the real reason was math and conditions... I am admitting decisions only factored into outcome and they by themselves are not the only reason why.... It just seems easier to explain stuff etc....

[@johnl9135]

You're right, I've been watching financial channels almost 4 years now. By now I think I've heard it all, I am listening and watching to all these financial channels all day long m every single day because it keeps me frugal and keep me stay on my target to my goals. Now I am crazy of saving, before this I spend more than I make. Before no saving, not investing and living paycheck to paycheck. Now my life has changed completely due to all these financial channels. Thank you KZbin and KZbinrs.

[@jeffcharles9344]

So that’s the good ones, with real financial advice, not the scam ones.

[@gailtaylor1636]

@@jeffcharles9344 I'd bet that's a bot.

[@marianmoses9604]

I stay subscribed and keep watching you because you seem basically honest and above-board and because I find myself in agreement with you more than 90% of the time. I wish more channels on KZbin had your level of transparency and frankness.

[@EmJones-gu6fv]

I think the biggest dose of reality that most people need is that the best predictor of your personal wealth is the financial class you are born into. The vast majority of people that are wealthy were born into families that are at least financially comfortable. For everyone else, it's very unlikely that you will become wealthy without generational wealth. It's not wrong that owning a business will set you up for more financial success than a daily grind working for someone else, but most businesses fail within the first year. You could end up trying and failing several times before you can establish a successful business that makes you lots of money.

[@pcopeland15]

True

[@jeffcharles9344]

If even then.

[@robertma2146]

Appreciate your explanation of why I see so much misinformation and how to deal with it. 💕

[@timprussell]

Way to go telling those guys to pound sand, your integrity is priceless.

[@evepaludan7713]

Thanks for your transparency and equating certain investments with scams because... most of them are.

[@7spann]

I love you honesty,very rare these days

[@acrap56]

Glad I discovered your channel. All the best to you from Florida! 😄👍

[@TheComicVault]

Props to you for excluding crap-mid companies from your advertising/collabs.

[@MrDuncl]

I'm trying to guess who Better Help springs to mind. They seem to have helped every other KZbinr get through a nervous breakdown.

[@shawnmariemann]

I just wish the people who need to hear your message would hear and believe it. Sadly there are too many people not willing or able to think for themselves who can't identify when they are being lied to. Thanks for trying to spread truth.

[@paoslice]

I love my daily dose of reality on sundays Nicole ! ❤ I don’t know how to explain but it keeps me sane knowing that there are other people seeing through the “scam” of it all.

[@kallistoindrani5689]

I like how honest and to the point she is.

[@sirguy6678]

Good video. I always Remember that famous musical verse from Rollins Band - “CAUSE YOUR A LIAR!” - the key to gaining wealth is to get other people to give you their money- weather it’s a BS book, course, video, lecture or community- but you need to have no conscience from cheating others - if you have a conscience, face it- you’ll never be rich.

[@LuisferRomeroCalero]

The first financial video that has common sense and raw honesty. You earned my subscription.

[@MichaelRWright]

Hello from Seoul, Korea

[@geraldc5165]

Good for you. We need more people like you in the world. God Bless.

[@emp2291]

Really enjoy your channel. IMO start your own business is the same kind of advice as never rent, always own your own home. It's great for some. However, it may be the reason that MLMs suck so many people in. People are told that being their own boss is the way to get ahead.

[@AccordingtoNicole]

MLM ≠ starting a business.

[@Cleaningfairy1970]

Thank you for your integrity and candor.

[@gjre8w9w9wowow]

I am a diesel mechanic in Northern Ontario. I still believe that the dream of wealth is still alive. I work seven days on seven days off. I have time for myself. I make 150k in a low costs of living area. We are hurting for guys so mining is the land of opportunity.

[@Pondapple]

Your kind of plan is what made my former next door neighbor a millionaire. He was a heavy equipment mechanic, worked as a fleet mechanic for a large corporation, declined going into their management, earned lots of overtime, saved for a house, then a much bigger, better house in the country. For that bigger house he studied for and obtained a general contractor's license, and contracted out the construction of it. In retirement he enjoys himself. He never had expensive hobbies or toys, such as boats, gambling, etc. A very admirable guy who at times will help his neighbors with their house/yard problems and still visits a nursing home.

[@HalfwayJac]

I admire your integrity so much. With everything going on these days in the US I constantly wonder if integrity even exists anymore. I also find myself wondering if having my integrity is even worth it anymore. Of course it is, but it’s easy to get disheartened.

[@birdingdiaries]

Love your straightforwardness and your integrity hence I will be sticking around your channel. Thanks Nicole! 😊

[@maymorning8504]

This is very similar to how I feel about stay at home mom influencers. I’m sensitive to this one because I have a young daughter that I wish I could spend more time with but I have to work full time. It sucks. There are plenty of influencers who I’m sure are lovely women but they make videos about their (HIGHLY romanticized) lives as stay at home moms that are meant to appeal to women like me who wish we could afford to be home with our kids, and it’s easy to forget that they are also working full time in order to put that content out there. It’s aspirational to the point that they are not even actually doing it themselves.

[@GregMacDougall-m3n]

''If I gave you everything I owned and asked for nothing in return, would you do the same as I would for you?'' Said by musician Steve Winwood in 1971 from his song The Low Spark of High Heeled Boys. Steve Winwood has a high I Q and it's an intriguing question.

[@edwardmoran1739]

So solid. Thank you!

[@Robberg118]

Another great video. I like the fact that you use scenes from The Simpsons to illustrate your points. You could have used the one about Krusty the Clown's Percodan addiction. "I blame my Percodan addiction. And now a word from our sponsor, Percodan. Oh, crap." Classic!

[@Gibbonomics]

Bravo! Way to call BS on the "financial influencers" that pray on Millennials and Gen Z. Here's a lesson from Gen X and the Boomers... It's normal to be scraping by in your 20's and 30's, and you'll know that you are on track if you start to get some breathing room in your 40's. Don't just live below your means, but get creative and happy doing it. And whatever you do, don't get caught up a credit card doom loop.

[@13412]

Thanks for your integrity

[@saxetexas]

Thanks for all you do Nicole. Glad I watch you.

[@molamolalaaa2968]

Love the honesty

[@gingerstrait836]

I love your channel because you make videos that are diversified. I love influencers who can give good advice or pep talks about many topics. You are doing great and will meet you goals with your integrity intact. Thank you!

[@AccordingtoNicole]

I appreciate that!

[@jaredmyers3227]

Hey Nicole, Hammer - Nail. You are so right, I have followed many of the same people you have and after a few years and seeing the my numbers go to slowly I have begun to step out more. Put more into other endeavors but always have the slow and steady as a back up if nothing I do succeeds. Probably watched 5 or so of your videos but this one got me to sub. I appreciate the honesty.

[@stasacab]

As Ron L. Hubbard says it, the best way to make money is religion.

[@paulbrungardt9823]

L. Ron Hubbard was a pathological liar & Criminal. He started a cult, not a religion.

[@autonomouscollective2599]

@@Artzlady Scientology was making millions for a long time before it became tax exempt. Religion makes money by selling a product that doesn’t exist. The hard part is convincing people it’s real. Once you’re over that hump, it’s margarita time on the beach!

[@Andreabay90]

thats why football teams have so much money they make football teams into a religion that people pray to :) smart

[@JP-ve7or]

​@@ArtzladyIt is, and it's also easy to exploit people's need for meaning and community.

[@pamelawamala6751]

Loving the straight talk. Thank you.

[@gretelwhite8088]

As a very risk adverse British woman near retirement age, I love your videos, so much of that rare commodity - common sense!

[@crabwalk7773]

I find this also with most "health food" KZbinrs - they spout twaddle that is not at all supported by evidence, but they continue to churn out content. Oh, yes, they may have began with a valid point, but as they continue.... it's unsupported.

[@joyjoyjoy210]

I would love to hear your opinion about all the videos on “velocity banking” - thank you!

[@CAC-1111]

Velocity banking is trash..........put as much money towards your debt when and whatever you can.

[@nancie7487]

I love my Mondays watching Nicole's channel! !!

[@3xAudio]

first seen it when people were selling ebooks on ebay about how to get rich by making an ebook haha. people have been getting rich by telling other people how to get rich as long as i can remember.

[@noahmyavon]

Thank you....very much

[@MultiStats]

Two words: Health Insurance. Especially if you have children. Financial advice is worthless unless this topic is covered. "Financial independence" may be fleeting without health insurance. If you are buying your own insurance, it is very expensive, will increase faster than inflation, and they can drop you at any time. Thank you for at least thinking about YT creators misleading and lying to people. It's gotten to the point where I have a handle what is clickbait from the context and thumbnail. If I stumble into a video that lied in order to get a click, I give a thumbs down, negative review, and ask YT to stop bugging me with their crap. Users need to punish clickbait.

[@DB-bw5fz]

One thing to keep in mind here is that Nicole is Canadian. While health insurance does exist here, its purpose is different than in the US. Canadian health insurance is mainly to cover the additional expenses that aren’t covered by our universal health care. Things like a private hospital room, vision, prescription drugs, travel health coverage etc. In the majority of cases….Canadians without any additional health insurance would be on the hook for less annual expenditures than the average US health insurance premium.

[@MultiStats]

@@DB-bw5fz Thanks! I appreciate the Canadian perspective.

[@ProgramistaNaBudowie]

Hey Nicole! New subscriber here. Thank you for this video, going to explore more of your content. Happy I found your channel. Good stuff in this video. I am a tiny KZbinr making some revenue that covers my monthly bills and I am 100% with you on doing right content and working with sponsors/companies that I believe they're doing good work and not a scam stuff. Maybe not a great way to collect a lot of money in short time as a youtuber but that makes my calm and I know I am doing right things for me. Thanks again!

[@brianprovost844]

Nicole you're so right. Remember as you succeed you will be the target. It's more about the journey and less about the goal. So if you spend 40 years to make 10 million dollars then what? You're at the end of your life with 10 million dollars. I think the trick is to have many goals. Everything in moderation. Each goal should be positive like a bucket list. Positive experiences. Bottom line you should spend less than you make adding to your financial success by default.

[@MJLUCEY-sd1mq]

When I saw that someone was lying to me, I had to look.

[@findcalmwithclaudia]

Hi Nicole! I just wanted to say how much I truly appreciate your videos-they're always so informative and inspiring and I’m so grateful for all the value you share with us! 🙏🏼 I was wondering if you might consider making a video about your KZbin journey and how you grew your channel. It’s so impressive to see what you’ve built, and as someone who’s just started my own KZbin channel, I’d love to learn from your experiences. Hearing about how you managed to grow your channel as a side hustle and any tips you might have would be amazing! Thanks so much for all that you do-you’re such an inspiration! ❤

[@mikecoursey]

Subscribed to your channel because I like how you shot the information straight. Highly appreciated.

[@harebrain5239]

Best way to get rich is to rip someone off. Starting a business is good, but only if you can sell overpriced products and services. You don't need millions of subs, you need to find some whales who are willing to buy a $1000 course from you, and that course is just info that anyone can find for free. You can mow someone's lawn, but charge $400 -- or pay an employee $20 to mow the lawn, and pocket the $380.

[@AccordingtoNicole]

Damn! And I thought I was jaded!

[@DamonCassidy]

Really great video! So important to hear

[@AccordingtoNicole]

Thanks Damon. Love your stuff too!

[@LostYogi]

17:10 "No matter how much fire and brimstone the algorithm throws at you, the economy is not collapsing, the world is not ending, and you will live to see another Monday you lucky duck!"

[@johncarter1137]

No one sells a Tesla for 78 dollars. Other people have to make up the difference.

[@Rinvids]

When you see the fire and brimstone videos, just remember, nothing ever happens

[@jerrygebhardt4045]

Keep Talking Nicole. We All Need, To Restart, Or Start Again. We Love, And Support You. I’m Proud, Of You. Jerry from Anaheim, California USA.❤

[@KeithandPamBilyeu]

Pam here… its is called: “SELLING THE SELL”…..

[@amyg.8592]

Thank you for this. It amazes me how people revere certain big-name financial advisors. Before KZbin, the money came from speaking engagements or books. It makes me so sick and angry to hear the same old advice that's disconnected from reality because it leaves out where the initial money came from. Yes, sure, putting aside money is helping expand the money you have later. But if you need money for food and housing and medical and furnace repair, you can't always save the money for later. And if you have less than great health, you may also have to carefully choose where your energy and time goes. So yeah, some honesty about the "hidden" part of wealth generation is refreshing. Thank you.

[@josephinede6121]

KZbinr posted a phone number in a comment, I called, and he talked me into trading and invested 4000. I don't know how to get my money back. He wanted me to open a cash app to send money to a foreign country. After that, I stopped sending him money. They are both popular on youtube they both are in the United States. .

[@AccordingtoNicole]

Probably wasn’t actually the KZbinr. Imposter scammers infiltrate the comments all time. They take my picture and make a user name similar to my mine and pose as me to try to scam people. I delete them as I see them, but it rampant across every KZbin channel.

[@MJW59]

The algorythm is wild. I just got into a discussion with another youtuber about how he has been fear mongering for years. Guy got really defensive really quickly. I've actually never had a KZbinr respond to any of my comments so that was wild, his channel is a little bigger than yours. And now I see your video suggested in my feed and I've never seen your channel. Good content. Fear sells and some people will exploit that to no end.

[@ggreg2258]

I guess that I was/am one of the lucky people who had a career that I absolutely loved, at least 90% of the time. It was motivating, satisfying and challenging. So, no motivation to move. BUt, for the many people who work in jobs that are not these things, then I agree with you. Look elsewhere---NOW. I find it amazing how many people are in very unsatisfying jobs that they hate and yet hey just stay there and get progressively more unhappy!!

[@QueensWino]

I've got a pre-owned Toyota that will be turning eight years old this summer and frankly, I love it! Thanks for your pulling back the curtain a bit on these colleagues of yours; I think it was tastefully done with your trademark dry humor. Cheers and I wish you all the best in 2025!

[@shamanictour]

Great commentary. Autoplay sent me to a video about how the Chinese economy will fail by the end of the week. Which came out two months ago.

[@AccordingtoNicole]

RIP Chinese economy

[@pastramionrye247]

In fairness, the Chinese economy will likely fail at some point, possibly in the distant future, and that will happen by the end of some week. So it sounds like they got everything right except the exact week it will happen! /sarc

[@fumanpoo4725]

I guarantee Mao will fall.

[@DigitalPaintingWithMark]

Thanks for the honest video. YT is full of utter crap on finance. They need to start clamping down on it somehow. It does seem a little depressing the only way to get serious views and attention is either talking about finance or how to start a youtube channel. Even lots of the art channels mostly talk about how they started a youtube channel and made money from it. I am not having a go here but you are doing exactly the same, but in a nice way. I am wondering if it is possible for most people to start any sort of meaningful business on YT that is not talking about money or starting a channel.

[@Bowie__Fann]

The videos which start with - they don’t want you to know blah, blah, blah - get on my last nerve. I wish KZbin would throw in a warning of ‘caution, con artist ahead’ with this lame catchphrase.

[@SmallSpoonBrigade]

You can do like I do with that sort of stuff and just use the option to remove the channel from your recommendations. If enough people do that, the behavior will stop before too long.

[@notanactualuser]

Totally agree. I watch a lot of financial KZbin things, and they're interesting, but if you watch long enough, you'll see through a lot of it. The biggest thing is detaching your income from your hours spent.