Why Everything Changes After $10,000

[@GabeBult]

Thanks to Trade Coffee for sponsoring. Get your first bag free when you subscribe at drinktrade.com/gabe

[@Pixellri]

The Secret Doctrine of Welath is so unique. I can’t believe I hadn’t heard about it sooner. It’s amazing how life-changing this can be.

[@BonoboMonkey]

Money doesn’t buy happiness. It buys you peace of mind.

[@bobuilder21]

But it can buy you a motorcycle, which can make you happy!

[@lissaToday5787]

Peace of mind is happiness

[@BonoboMonkey]

@@bobuilder21For a while..

[@TimeLordVictrix]

Whoever said money can't buy happiness simply didn't know where to go shopping. Gertrude Stein

[@barnazadori9227]

I just bought a motorbike and 2 JBL Partybox Ultimates which I couldn't even dream of before...and oh boy it did buy me happiness!

[@ryanjamesr_]

Just got my emergency fund to $20k and I'm so at peace. Been watching your vids for a while, huge help!

[@andreaspfeifi5445]

Now gamble it all on Biotech Options

[@bairfreedom]

That is awesome! My wife and I just decided to do this!

[@Azulimazighen801]

I feel you the way you go to work are different u feel peace and enjoy it . exactly as Moroccan living here in the state and I know the value of dollar in my home country I don’t think too much about retirement …

[@TheJoelPugh]

You need 20k to cover 6 months of expenses??!

[@Aintgeorge]

I have a lot of money aside but just recentely reach 1500 dollars in emergency fund feelt something else’s 🚨

[@jayocean4724]

For the average person 10k is a huge milestone 🎉

[@ivanwulfert7332]

anyways, it is not very difficult ...

[@ChrisHorse-c8e]

Yeah

[@Philanrapist]

@@ivanwulfert7332it certainly is for many depending on their circumstances. I would be wary of painting with such a broad brush.

[@kinghodene]

@@ivanwulfert7332no it’s not, I feel like I’m kinda broke still I have 10000 saved and I’m 17

[@rudolfmitler6743]

@@ivanwulfert7332 it depends on where you live

[@lorilustica2878]

Remember: it isn’t what you make, it’s what you KEEP!!! 😊

[@jayocean4724]

Wealth is what you don't spend, regardless of your income! 🤑😊

[@kvgolfa]

I keep more than most people make so not really

[@JessicaFranco1]

SO true! Even when I started making more of my career, I’ve tried to avoid lifestyle creep as much as possible.

[@ZackSeifMusic]

Exactly

[@qwertzuiop875]

At some points you can't spend less and can't invest more

[@spencercartwright2181]

After achieving my first 10k I confirm it does make a massive difference. I have the stability that the 10k provides me in the back of my mind which helps me with daily positive decision making. However it is also a catch 22 as I really do everything in my power each and every day not to touch that 10k, continue to add to it and watch it grow over time.

[@JessicaFranco1]

I completely relate! It does feel so good to have saved up that much, and I don’t have to stress about finances very much. But at the same time, I still mentally hate spending money and just want to save as much as possible. 😂

[@abrahamalatorre]

I can also relate as well. When I saved my first 10k I definitely felt my finances were in order and helped me make better financial decisions. Also what helped me out a lot (and can for other people) is to have a system placed where each time payday hits, a certain amount is automatically transferred to a HYSA account for a different bank. And the other portion to investments. That way, money is consistently organized and aimed at what it's for.

[@DansonforJoy]

“Cutting out coffee SHOULD NOT BE anything that gets mentioned ANYWHERE along the process. Never cut out coffee.” Amen to that! 😂☕️

[@GabeBult]

Absolutely!!

[@Rufio1975]

It stunts your growth

[@angelicacole40]

😂

[@EricHouserecho1284]

I'd cut out food before coffee, really.

[@andnew1335]

Coffe sucks. Run the body off 60oz of water and feel real life energy

[@germanalcomendas760]

I saved 10k savings as an emergency fund and after that everything just changed for me. I started to be more aware of my spending and it made me save more for investing.

[@usaki5716]

Same for me. Interesting how you are more aware of your spending when you actually have some money

[@jackester6742]

You're so right about the difference between "can I afford this?" and "should I afford this?" I never had a phase of operating on the former, but I feel like fundamentally that is the difference maker. The mindset of perceiving the benchmark for affording something as being when you can get your hands on the amount of money that allows you to purchase it is disastrous. There is such a huge opportunity cost whenever you purchase beyond your needs, especially when young.

[@evanandjenel]

Thanks Gabe, I need this encouraging video. Im just starting this journey of financial education, and now I'm looking forward to my first $10,000.

[@Dennis-is2ss]

My wife and I live in a country where the average salary is around $300-400 per month. Both of us work in offices, and we've managed to save around $22k. Feeling very grateful and secure right now

[@fluendlv8681]

The fun thing i notices by myself is that when i had way less money, I was saving and thinking about the thing I want to buy one day (for me it was a car). However, when I reached a point where I CAN afford it, I actually don’t really want it anymore lol. I feel joy of having a possibility to afford it and I don’t need to buy it anymore :)

[@stevebubar6129]

I so enjoy saying no to overtime. That is a reward you earned by hitting that 10k goal.

[@aimee-made]

Love this. Also, almost certainly the reason you can save faster (8:13) after that first $10,000 is because if you don't have to charge a $2500 unexpected repair bill, you don't get hit with all the finance charges that completely sap you economically. (If you don't have the money when the repair has to happen, it's not like you're going to magically have it in a month when the credit card bill is due, so there you are, carrying that balance again....)

[@dadatv1961]

It’s the “wealth effect” of feeling more security vs desperation and feeling poor. But to get there it requires intentional action, which provides more freedom of choice.

[@Johanneslol11]

I am getting close. I am at 6400 euro. 😊 Trying to go to 10k. I am also paying off my student loan. (I pay double of what I should) but I am saving money and also investing. I feel more safe and comfortable then I never had.

[@AdamBenson-d6v]

I'm going to reach 20K next month. The most important thing I learned is that saving the first 10K was more difficult than saving the next 10K.

[@elijahbonner4398]

I hit 10k a few months ago and 3 months before that I had been fired from my job ,I couldn’t find a job anywhere. I went and bought tools to start a business when I finished buying all my tools I had a half tank of gas in my truck $0.47 in my bank account and rent due in 4 days hitting 10k was a huge confidence boost I felt like I could do anything

[@jacquiquinlan]

I honestly feel like my first $10k didn't do that for me sadly. I think one year of my annual salary will be the HUGEST part for me to feel the difference. Too many crazy things happen in this world.

[@bairfreedom]

I was thinking the same thing when I sat down and calculated it all out. I contract my work, so it could just dry up any time! So I think I need a years expenses saved to feel better if something ever happens

[@garyish]

The psychological effect is 100% true. Last year I crossed 1M at the age of 38.. feels a level up.. and frees you up mentally to travel, eat out more etc, now I am at 1.1M and it doesn’t feel any different.. I guess 10M will change that.

[@JessicaFranco1]

Congrats! That is such a huge accomplishment 🎉 and great motivation for the rest of us

[@garyish]

@@JessicaFranco1 thank you, my pleasure! ☺️

[@seenso]

Is the 1M your net worth?

[@garyish]

@@seenso yes, n/w not income. I wish income was 1M lol

[@angelicacole40]

@@garyish😂

[@bartix698]

That feeling of seeing 5 digit on your account is just something different. Was easier for me, because 10k pln is only about $2500, but the feeling persists

[@AdamBenson-d6v]

Yeah, I completely agree with can I v should I afford this. It's such a huge boost to the ego knowing that I can walk into a high-end electronics or clothing store, buy anything there and still have money left over. I don't want to do that though, because earning and saving money is so much fun. It's the game that excites me, not the material possessions.

[@seanleclerc9666]

I remember the first time I had a big breakdown on my car, I was 17 and doing a minimum wage job while being in school, I barely had enough to get the repair, I had to get half of the repair and then save up to fix the rest. I'm so happy now that with what I have, I can even invest into fixing future problems, 10 000$ is indeed a very important mile stone!

[@jasonnugent963]

Can agree with a lot of this. I changed jobs in the last year or so. When I left my last job, the pay-out for untaken vacation time and some other things I was owed, was about $10k. I used that money to move (which was awesome) but it made me realize how significant just having $10k was. So in my new city and new job I've dedicated my 1st year to re-saving up an emergency fund (currently have around $20k). It really truly does change your mindset. I've gone from that constant fear-based mindset of "OMG how am I going to get through today".. to a more relaxed mindset of planning and investing. (first time ever I've owned stocks. Not even $1k of stocks, but starting small). It's a wild feeling being in my 50's. when my whole earlier life was poverty mindset.

[@Percival1919]

I’d say it’s really a case of ‘taking your head out of the sand’. I’ve reached the stage of after getting paid I look forward to getting out my little black book and calculating the percentages that I need to split it into to progress with my goals.

[@CyclistChris]

I made it to £6k and then a divorce and house move reduced it to £2k. Ive got a crazy low mortgage rate though so the rebuild starts when I move tomorrow!

[@frankthetank5013]

Let me simplify what he’s trying to say: it turns an emergency into an inconvenience.

[@liahonafrench]

Reason 6 is so true, lots of the things that can be dealt with money are not happening anymore (e.g., late fees) and it even gives you a sense of financial unstress (constant lack of money is so stressful, every day, each purchase..). Seeing results (that it actually works over time) is so motivating, maybe that is a reason why as shown in the data those who have 10 000 USD saved are more likely to save more.

[@russtang24]

For the first time in my life I’m able to buy virtually anything I want only to find I don’t want anything. I got my Harley, some surfboards, a caravan, some good tools.. I’m good. people give me gift cards that sit in my drawers till they expire simply because I can’t think of what to buy. It’s so strange

[@blakew5672]

Nothing like having an emergency fund set aside. My central air unit just died…..$6200 replacement. Came at the perfect moment when I’m also paying off an engagement ring and wedding band (0% interest for 12 months). Fortunately I made establishing an emergency fund at the beginning of the year. I had $5500 in a HYSA, and another $15k in ETFs outside my retirement account. I’m able to pay for the AC in cash, still pay my bills, and not have to even touch the ETFs. I’ll probably have to postpone buying the motorcycle I’ve been wanting for 20 years now, but not getting put into a bind over what could’ve been an emergency is amazing peace of mind. The new unit should be more efficient than the 24 year old unit it’s replacing too. Though I’ll admit having to start the emergency fund over again will suck, I’m happy I have that option. EDIT: should mention I was also able to take a large pay cut this year for a job that’s extremely less stressful as well

[@VintageEddie]

Buying a house is nice but a lot of Americans are losing tons on opportunity costs because they decided to buy a house. Renting a lot of times, while you’ll never own it, makes you so much more money over time because you don’t have these massive phantom costs and can instead call the landlord and put that money to work for you instead.

[@ForesightFishing]

I got my 10, now I’m working towards 15k!

[@BohemianCloud35]

Money brings PEACE! I am trying to save up for a flight school, and I am so close. Life gets easier after 10k, and you can start relaxing after 20k... 30-40k is where I started to feel free because I could take just about any hit that came at me. I had to do like $7k in car maintenance, and when I told them I'd pay in full, they did not believe me until i showed them my bank account.

[@djaltitude3177]

FLIGHT SCHOOL?!?! Bro. I am walking that path right now. I will tell you this: SAVE SAVE SAVE! DO NOT FLY UNTIL YOU HAVE $7000-$10000 SAVED UP. I used a 0% 15 month credit card for my private license and It ended up biting me in the butt. Yeah, I got the license, but took me longer to pay back the interest. And it delayed my start to get started on my instrument and commercial ratings. I know it sucks not being able to fly right now, but at least save $7000.00 liquid unless you want to sign a $100,000 student loan.

[@BohemianCloud35]

@djaltitude3177 As of my next paycheck, I will be knocking on 100k's door, I believe in life, the only person I should ever own money to should be myself. 22 years old, and I have never had a credit card... I'm sure that's going to bite me soon though.

[@djaltitude3177]

@@BohemianCloud35 Oh wow! 100k?! That’s very impressive especially at 22! By all means then, you have the money to go through flight school! Best of luck, and congratulations on your $100,000 milestone!

[@WarriorWoman321]

How about a video on saving a little every month for the kiddos? Investment suggestions. I would appreciate it for my grandchildren.😊

[@GabeBult]

That’s a good one!

[@dyslexcii]

Just put it into VOO or SCHD and you’ll be good

[@LivingProcess]

Brilliant as always 💚 looking for a side hustle just for saving. Have a Favorite day ! Always look forward to reading your posts.

[@Cowboydjrobot]

1:05 it’s a quote from the movie “White Christmas”. It’s. Great classic Christmas movie, but surprisingly enough it’s not the source of the song white Christmas, that song is actually from a movie called “Holiday Inn”

[@schuylerbrock]

How is it that every one of your videos is life changing?? Great stuff man. Keep it up

[@chrispowell4251]

Thank You Gabe, you're an awesome guy!

[@The_Floo_Network]

Ouch and Boing is a quote from White Christmas!!!

[@GabeBult]

It is! I couldn’t remember where it was from lol

[@jonyoon]

I loved that answer to "How much is WOW?" 😂

[@Z0mb13ta11ahase]

Idk about saying no to OT I hit 10K in 3 months after 10 years of paycheck to paycheck. Turned down a position that pays 4$/hr more because no OT was offered. My paychecks would’ve been half of what I’m making now. I think I’m worried about seeing that growth revert if I stop working OT.

[@kevinpostma3889]

i had days i had 200k in my bank and bought a house now i have a little under 10k but i know the struggle! getting back to the 10k!

[@Illninnio]

Dude you’re on that $10K trend too??? I’m seeing a trendddddd

[@shakal.]

everyone has already done a video on why net worth skyrockets after 100k with the same graph in the thumbnail, so now they are all going to do a video on why saving 10k is important. KZbin can be a joke sometimes

[@BK-gh9us]

Yes 💯, that’s why I’m encouraging them to be the first to do a “first $200k” or $300k vid. None of them out there (yet).

[@Illninnio]

@@BK-gh9us it wouldn’t make a difference

[@itsjustjrdan]

thank you for your content. i’ve learned so much from your videos!

[@GabeBult]

You're so welcome!

[@carlom9710]

First❤ thank you for your great videos Gabe!

[@GabeBult]

Thanks for watching!

[@caddyzig]

You’re looking really, really good. (Keep up the heard work!) I’d like to see a video talking about what you’ve changed with your diet, and also what you’re doing in the gym.

[@Gratitude-c7m]

Eye Candy isn't for me but you can tell when someone looks happy. I like the upbeat energetic personality.

[@caddyzig]

@@Gratitude-c7m Enthusiasm, too, for sure! Happy, healthy, fit, and motivated!

[@Gratitude-c7m]

@@caddyzig Yep. His personality sells.

[@Jacksparrow4986]

Made me check when I ended up having 10 000 cash: About one year of having started working after finishing university. I chose a reasonably well paying degree (~50k/year for starters), struggled to find employment after that and then had to move to one of the more expensive cities... ...of germany.

[@cloroxsenpai2277]

I have a saving of about 6000 and i really was getting burnt out at work and i took 5 says off to recharge and do things. Even spent my whole check on things i enjoyed. I do not regret it lol.

[@charmin78]

For me, money increases my freedom to choose.

[@soumyajeetchakrabarty6872]

This has been very very insightful, working towards inch by inch one day when I can afford French press Blue Tokai and The Paragraph coffee, perhaps the best coffee at a reasonable price that you can get in India for true coffee connoisseurs…..I love coffee too

[@JackieRobitailleMusic]

Omg right between ouch and boing is from White Christmas! 🎄❄

[@Themraadul]

This is so good ❤

[@lawnman70]

Thank you Gabe for all the info, keep bringing us great video's !!!! 💪

[@jordirolink8254]

I really think it's also just a psychological thing; like seeing that extra zero in your savings just makes you feel so proud of yourself 😂 I should be able to achieve this goal by the end of the year. When I have a solid emergency fund set up, I will start to invest more into mutual funds

[@cdragon88]

10k really didn't do anything for me. It was nice, but I knew all too well during the time 10k wouldn't do much if I screwed up again---had a 35k medical bill that I had paid off previous years. But, 100k, will be quite the feat and change my perspective.

[@firefly9838]

Yeah sadly 100k is becoming the new 10k

[@JustinLietz]

Not really sure what I feel about this, I have my emergency fund at 17k right now and I really don’t feel free yet whatsoever. My plan is to retire by 40, I have everything planned out, and assuming I never get another raise or anymore income I should be able to do this. I really feel like I won’t actually feel stable or free until this happens, of course I can still work but I need to know that I don’t have to work if I don’t want to without relying on someone to save me

[@Jack_Clemans]

I love "Ouch" and "Boing"! I may have to steal that to use with my clients ;)

[@GabeBult]

I’m pretty sure I stole it from a movie

[@krizirak.4427]

@@GabeBult It is from White Christmas!! One of my favourite movies.

[@joey2106]

Idk man I think getting rid of a non essential expense that is literally an addiction is probably the FIRST thing you should do. Giving up coffee gave me freedom in the sense that I wasn’t dependent on a literal drug. And it saved me sooooooooo much money. Consider it.

[@dominikriegler]

As coffee prices went up to a point I am not okay with anymore, I completely cut that out of my spending. Prices were 50cents which was okay, but went up and now are 80 cents the last time I checked or even more since then. The ammount of coffee coming out of that machine also got cut in half so it's more a 1,60€ per (fullsize) coffee. My usual were 4 to 5 cups of that coffe every day at working hours. Calculating that for a working month with 22 days gives 0.80*4*22 = 70,40€ a month just for that garbage coffee, which doesn't even taste good. I stopped drinking that coffee for several months now. Doing that for several months, you might be able to afford a proper new coffee machine and a fancy coffee-to-go container to take it to&from work. It's just coffee. But at those machines at work, it's damn expensive.

[@GabeBult]

For sure! It can definitely add up and it just depends on how much you enjoy it and if it’s worth it to you. For me, it’s part of my daily routine and it’s totally worth it to enjoy that at this point in my life but at other points I’ve definitely cut it or changed.

[@DUBLL100]

Just get a flask mate it’s not hard .. you don’t have to buy coffee from a shop all the time

[@5naf6]

if coffee at work is too expensive, get a mini kettle and instant coffee sticks, it's a few cents a pop.

[@karmel896]

I have 22k currently, would of had around 60k by now but I put a down payment on a rental property and just finished paying off credit card debt I had for renovations on the property. I’m 26

[@danielmeier8321]

I tend to agree. The first few thousand will help you to look more relaxed into the future. After that it's a long way though until new changes start to occur. I'm currently at 250k and it's not that different than it was when I had my first 10k. I guess things start to slowly change again around the 1 million mark. But that will take a loooong time until I reach that.

[@notknownguy]

Money buys you freedom

[@Ninjozata]

No but i have emergebcies now. should i save 10k then get my dwntal work done? Should i save 10k and then start oaying for health insurancee? (🇨🇦) or how do i save 10k while also saving 8k for a car? Do i need to save 18k before getting the car? I dont underdtand sitting on money while suffering

[@Ninjozata]

Like, in a few years i might get a 8-12k i hesitance. That's HUGE, that's the money money I've ever had at once. So do I just save it? Do I lock it away and not pay down my student loans? Not get my fillings done? Not get my proper prescriptions? Genuinely asking bcs it's so confusing

[@a.tartist]

How to tell someone is poor? When he says 10.000$ is a milestone!!! I don't want to get misunderstood cause I'm in the same category but 10k is almost nothing when a second hand car cost that much, i believe that salaries worldwide compared to the cost of living is sooo low! The average person should save at least 500$ per month as an indicator that life is better!

[@misslanapaulford]

Actually is it a big deal, especially if you've never had or saved £10,000 or if you've been bad with money ( crappy parents who didn't teach U ) or if you've spent due to being unhappy. For some 10K is small and other others Amazing and propels you forward to do more..

[@BK-gh9us]

It’s not necessarily the amount, it is the mindset that comes along. Like starting a daily walking 🚶‍♀️ habit. It doesn’t make you ripped, but it’s leveling up (video game).

[@misslanapaulford]

@@BK-gh9us Da Da BINGO. That's it exactly. Motivation 101..

[@angelicacole40]

@@BK-gh9usExactly. 😊

[@stevenboelke6661]

Why would you spend $10k on a used car?

[@-ouv]

Wife and I had over 20k, then we did house upgrades, then work plummeted, like crazy low. Under 40hrs. Then I was off work for over 6-7 months because I was diagnosed with Cancer, having to do Chemo. So our savings got destroyed. At least I'm good now, and we had around 4000 left when I got back to work. I've been working OT to get it back up, but I'm hoping to get a call for this job I was going to get hired in when I was diagnosed. Had an interview last week, and within my first year, I'll make 7000/year more than I ever had at my current job that I've been at for almost 12 years

[@jegglz3845]

Uh yeah go to doctor, been saving and going to gym felt great, went to doctor on a whim 2 weeks before my 5th trip to Japan, and i actually had a bone marrow cancer found in a blood test! contained now and on a good track( currently has no chance to impact life expectancy) If i did not go see a doctor beforehand i would have been at a very high risk to get a blood clot from it on the plane.

[@Peter-kt2gb]

Great quote from a great movie (White Christmas)!

[@GabeBult]

I forgot it was from that lol thank you!

[@Natonimus]

I got my 10k this year... this past year has truly tested its emergency usefulness lol

[@TrevorPilot9]

I’m the lone commenter that has $100 in their savings. It sucks. I’m tired of it. But I did it to myself by moving out of my hometown to the big city to work towards my dreams. It will pay off exponentially. And I can’t wait for the day I see that 10k in my account.

[@PurposeOverPlenty]

It lets me tell my boss to “piss off” I’m not doing that because it’s a waste of time BUT I will do this cause it actually makes sense. It’s actually gotten me raises and advances 😂 only would I do that if I have a backup savings

[@vincentblouin5882]

Hey im just a bit nervous, you said your engine blew in your Civic and I just bought a civic. Could you tell me just for reference the reason of that happening and the milage it had ? Thanks a lot. Great video!

[@marcutaraul9768]

Im 24 and just made it to 40k, live in italy and im now ablento buy a house whitout using any o it, no car payments and really lot less stressed

[@christineg6123]

According to Nicole just released this exact video 3 days ago

[@kallistoindrani5689]

Did you and According to Nicole know each other?! So funny to see them same subject in videos this week 😊😊

[@GabeBult]

I actually haven’t met her lol I shot this like three weeks ago

[@kallistoindrani5689]

@@GabeBult It's a case of 'Great minds think alike'. 👍👍

[@angelicacole40]

@@kallistoindrani5689Absolutely. 😊

[@bairfreedom]

My wife and I have officially planned to get 1 years living expenses put back. I think it will take us about 3 years.

[@TTGTanner]

Good coffee is vital ☕️

[@DavidSweetnam]

I still come and check out your content but it’s not just you, but many KZbinrs are just repeating the same things, the same thumbnails and titles etc.

[@DavyDavePapi]

I just hit 2k in my savings, I also have 9.4k in my roth. I'm trying to save up 10k though

[@GigaChadBigW]

amazing video, well question after 10k you invest in yourself better food/coffe/gym/clothing but If I do that I will be agaun below 10k more faster because of the new expenses , what you reccomend me to battle that? because I wanna have that 10k and to never lower again just see it convert to 100k

[@dalehamilton8762]

I had the same thing happened the engine in my truck went had money in my emergency account to cover it.

[@larissatom6910]

Have you made a video to demonstrate how you make coffee? I’ve made coffee from small independent roasters and it still tastes sour and bitter without milk and sweetener.

[@bartix698]

Coffee subscription is one of few healthy subsc. models, because you actually own the thing you pay for. Wanna drink your coffee a year afyer last payment? Probably not gonna taste as good, but go on

[@DermotHynes]

Thank you Godbless

[@juanpablodo12345678]

Just hit $30K at 23 years old. Still feel like it’s little money 😅 $100K is when I feel like am going to be more at peace.

[@smithmusicstudies]

The ouch and boing quote is from White Christmas

[@successway6789]

Remember: it isn’t what you make, it’s what you KEEP!!!

[@jibrilamvs]

I hit 10K last year. Life is still hard as it was back then.

[@Inkgraphite]

For everyone watching this, remember: luck, is a HUGE factor, you may have a little more possibilities by saving and having good finances, but all this people that earn a lot of money an attribute their success to hard work forget that luck is the biggest factor in the equation, there are several psychological studies that have observed that, so remember that no youtuber will give you the answer to make good money, because they don't have the answer for you! And even if they did, they would not tell you because then they will be out of business....

[@betsyprall7961]

Have you done a video on how to travel frugally?

[@bakingmyselfcrazy6009]

I agree with this mostly, 10k ain’t what it used to be though.

[@justinmcnab5585]

10 Million is the mark

[@alibarznji2000]

I'm getting close to 30k, I'm happy, but also I'm itching to just spend it all, kinda like when you build a tower with dominos and then want to destroy it lol

[@juliannacesario4521]

It came and went BOOM

[@dabvidaf]

White Christmas is the quote “somewhere between ouch and boing” “wow”

[@yayebalay731]

Heyyy, I don’t know if this is a dumb question but when you say you can take more risk or the 10 to 1 rule, that 1 is from the savings account or from the other accounts you use to live? Does this makes sense?

[@Jessica_Jones]

I think it doesn't really matter how you have things organized, so long as you have reasonable access to that one percent (such as not incurring taxes to use it, etc.) -- hope that helps answer your question!

[@yayebalay731]

@@Jessica_Jones Thank you so much for replying, this actually helped so thank you for ur time 🤙🏾

[@Jessica_Jones]

@@yayebalay731 yay I'm so glad! 🎉

[@Simple-ist]

It’s from White Christmas. “How much is WOW?” “Right in between ouch and boing”

[@Knightmare456]

I’m in England, should I have the equivalent of $10,000 (which would be around £7500), or £10,000?

[@jordirolink8254]

I would use my own currency, which for me is 10.000 euros. For you, it would be £10.000 ;)

[@misslanapaulford]

​@@jordirolink8254 Agreed use the currency according to your country. England £ 10,000

[@garyish]

@@jordirolink8254 especially if those are close enough in value to the USD. But if it’s like japanese yen or sri lankan rupee then it’s better to adjust it using the exchange rate since saving 10,000 yen isn’t really the same thing coz it’s more like saving $100

[@slushpuppii]

why do all the finance youtubers make the same content?

[@genuinelysarcastic]

…because we watch it.

[@WayanJig]

There is only so many ways to make a coffee commercial

[@steffanry]

Because personal finanse is simple in theory but a lot harder to do, so people watch it explained differently for motivation or at least that the case for me 😅

[@JonLake]

Because people prefer to watch how others makes/save money instead of doing it themselves 😅

[@maxcarpenter4582]

Fr

[@lowwattliving]

That ouch and boing came from the movie White Christmas with Bing Crosby

[@dean4125]

i have a coffee addiction also lol. what kind of coffee maker do u use? im thinking about trying that trade. thanks.

[@LEGOCAMARO]

Older I get I see it’s now the down payment it’s “easy enough to save just takes time” the monthly payments with budgeting spending within your means. Millionaires go broke living above there means.