Top 4 Things That Will Make You Happy (Financially)

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About this episode:
Do millennials really need to make $500K a year to be happy? That’s half a million dollars! In today’s video, we’ll go over the top four things people said would make them financially happy, and we’ll see if it would really take a $500K salary to get there.
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[@lonestarrk9308]

If I can go to Costco and buy a 4 pack of ribeye without checking my account, I’m making enough money.

[@MinimalisticLifestyle333]

This 🙌

[@turtleanton6539]

Yes😊😊😊

[@CubanSalt]

What? This might be why we have so many mental millennials. Are millennials smoking meth? I don't even know what to say. I'm a millennial. I ain't got nothing to do with those meth heads I'd be happy with a 100k.

[@p.sherman3158]

Yep

[@Houston_Realtor]

I’m about $550 away from debt free freedom! Gotta pay off this IPad 🤦🏽‍♂️

[@towel-ie7554]

George broke me with that $525,947 Rent Musical reference 😅

[@wkdravenna]

it was the best.

[@vuyanipatekile4605]

He's Soo Talented

[@mariorta5017]

Millennial here, mortgage was paid on black friday, just have one more debt to go. Planning to be free by April.

[@deborahblackvideoediting8697]

Way to go!!

[@jsjoejo9128]

I just paid off American Express and closed it the rep was worried for me and I said no my friend be happy I’m free!

[@arod191]

As a millennial I must say that was an absurd amount of money. Honestly, I agree with George. It’s the FOMO and because of that everyone is feeling the squeeze.

[@howellomaha]

I have to disagree about that $7 coffee. If you have debt, you shouldn't be spending $7 a day, or $220 a month, for coffee. Get a nice machine and make it yourself. That $200 bucks goes a long ways towards paying off debt.

[@donnahampton3632]

George always says to not do unnecessary spending in Baby Steps 1, 2 & 3. If you are unwise enough to buy fancy coffee out instead of making fancy coffee at home, it can be in baby steps 4, 5, 6 & 7.

[@RobertBeedle]

$7 coffee is an important part to my life. When it's free or half price. 😂 birthdays and random coupons from the various apps.

[@peace-a]

3:22 I may be the only human who literally loves to set up my budget bi-weekly before payday. Plus, I check it daily and make minor tweaks as I go along. Like Rachel says, it gives me permission to spend. It also allows me to create sinking funds as needed. I started managing my money this way 6 years ago when I discovered Dave on the radio while stuck in traffic. Best traffic jam ever! 👌🏼

[@nicholebryant7359]

I do bi-weekly as well

[@cafecitoconjesus8750]

Me too

[@vfletes1]

I make 70k as a driver andI do just fine. Stop buying trends and crap u really don't need.

[@Michelle-rz5zx]

Contentment... bingo! My husband is a pastor who makes less than $25,000. I stay home and homeschool our daughter. The only government assistance we get is Medicade. We have zero debt. Thankfully we are able to live in a parsonage so all of our housing is covered by the church. But we are making plans to buy a house in the future because we know we can't live in the parsonage forever and don't want to retire with a mortgage. We live below our means and make wise decisions with our money.

[@p.sherman3158]

We are retired with a pension of 170K a year. No debt. It’s the best.

[@Painfulwhale360]

That’s awesome! Congrats

[@turtleanton6539]

Yay😊

[@jsp2037]

What industry were you in?

[@RobertBeedle]

Who has that pension?

[@p.sherman3158]

@@RobertBeedle we do.

[@Jen-qd4qc]

I’m a millennial and I think that is a crazy number. I would say somewhere between 150-200k

[@TorqueKMA]

This. Covers medical, Nice middle class house, Enough to save/invest without feeling strapped on what's left, Decently nice vehicles, Don't need to sweat going out a few times a week if you want, Wants and vacations are within reach

[@philliphinkle2812]

Still way too much. Crazy #’s to me. I make 80k and I’m happy and debt free

[@Jen-qd4qc]

@@philliphinkle2812 good for you. That’s the amount I would want to make. ✌🏻

[@ethanhumphrey9219]

Ya my household is around 100k per year. We do live in one of the cheapest places in the country thankfully. But I feel quite wealthy even though I drive a very reliable 24 year old vehicle 😂

[@TheyRiseBand]

$155k is required to purchase the average starter home in the US.

[@rjharris4392]

I’m doing a sinking for a large upcoming bill! I am about to move into a new apartment and will have to pay $1000 in pet fees. Instead of coming up with $1000 last minute, I’m just saving a few hundred dollars a month!

[@BigJohnM]

I do everything with sinking accounts. I have dedicated accounts for vacation, yearly insurance, emergency fund, and large purchase fund.. it is awesome and everything is automatic!

[@freedomring3022]

no debt is financial freedom. To know that every paycheck you get is yours and not a bank that you have to pay

[@IrisP989]

You might not have a mortgage anymore but you will still continue paying a property tax forever. You can’t get rid of that.

[@freedomring3022]

@@IrisP989 true dat .. but at least my taxes go to some semblence of services in my town .. police, fire, school

[@AXLee27]

No debt is more like Financial Security. Financial Freedom, to me, is being able to do what I want, when I want, how I want. For example, if I don’t like my current job, I can quit and I have to enough income producing assets/savings I can live off of.

[@miketheyunggod2534]

What does it matter if you purchase a car for $20K or finance for $20K? It's still $20K.

[@AXLee27]

@@miketheyunggod2534 gotta pay interest on a loan so technically not the same.

[@JohnDoe_1609]

****** I think you need to talk more about divorce as being part of the messy middle. It’s the elephant in the room. These kids need to understand there is a 50% chance it will happen. What other negative life events have those odds!!!! Addressing this should be a HUGE part of retirement planning

[@cristianomarinelli3252]

Actually the 50% rate has been disproven countless times with the rate being less than 40% typically even falling below 30%, still too-high regardless but the difference between a 1/2 and a 1/4 chance are quite large.

[@markamark123]

I was buying sugar free iced tea for $3.99+tax. I decided to brew my own tea. My brew tastes better and now costs me .39 cents per batch. The saved money goes into my HYSA. That makes me happy.

[@LeNguyen-im8dm]

I am 39, and I haven't bought any thing at Starbucks. I drink Costco instant coffee at home everyday. My income is not bad and I don't have any debt. I choose to live like the poor to save money.

[@user-um6lt4bs8v]

@@LeNguyen-im8dm the poor, in general, drink lots of Starbucks lol! Whether they should or not...

[@LeNguyen-im8dm]

@@user-um6lt4bs8v ha…ha. It is true. The poor eats out more often too, but I don’t eat out at all. So, I live like what? 😂

[@joycewright5386]

Retired, no debt, no pension, living on social security and very happy!

[@kathymalloy9686]

Me too Joyce

[@voskresenie-]

Financial plans (and planning in general) tends to make people happy I think at least in part because it creates a purpose, even if that purpose is arbitrary. If you have infinite money and no budget, when presented with two options, there's often no reason to pick one over the other. Should I buy the $5 detergent or the $4 detergent? One might be better than the other, but I don't really know. So if I don't care about money, I am forced to make a choice with absolutely no basis for it, which is not a comfortable feeling and I might get home and question my decision - would the other one have been slightly better? Whereas if I'm trying to save money, I pick the $4 one and feel like I made a good choice afterwards, because I made a choice that aligned with a greater plan. It's no longer just an arbitrary decision with no correct answer, it's a choice that contributes to something larger. People who lack real problems in life create new problems to solve, consciously or unconsciously. You don't get to avoid problems entirely, it's a fundamental need we have; when externally everything is fine, we can either create problems of our own choosing (eg arbitrary limits on spending), or tolerate the problems our unconscious mind concocts for us without our awareness (eg dissatisfaction with detergent quality). The former is much preferable to the latter, since we are able to control it.

[@rhondagriffith2159]

Love your style. Keeping it Real while adding humor.

[@amybucelewicz4718]

Millennial here… debt free except for mortgage. I think that number is excessive, but would prefer to make between 150-200k (which as a teacher in a hcol area will still never happen). Despite no debt and living below our means, we worry about having money to send our kids to college without loans. We put money in a 529 but will be lucky if we have enough saved to cover 2 years of instate public school for one of our kids. It’s stressful.

[@kp67113]

Millennials are currently more likely to have young children in comparison to the other generations and there is an issue in the US with the high cost of childcare (and the availability of childcare) that is not being addressed. Plus many millennials are attempting to enter the housing market at an inopportune time. While I think $500k is high, it might not be so high depending on the number of children requiring care. The cost of care for each child is like having another mortgage.

[@bendunn227]

1:40 George, I CAN’T… I have to get all the laughter out from this plug before I can continue on… bruh, that was HI-LARRY-OUS-NESS… OMG 😂😂😂😂

[@Jasonshelton-]

I am regretting not investing in stocks last year but still grateful i kept my money. I'm hoping to retire this year Sep at 55 on my birthday. Considering the current rollercoaster nature of the stock market was the mean reason i decided to stay on the sideline for awhile, now I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?

[@JaneBlac-]

Its best if you buy growth/blue-chip/large caps stocks only but Its unclear which stocks and sectors will lead the market in the next uptrend. It's advisable you work with an fiduciary advisor to help set up a well-structured portfolio

[@Olivia-z5c]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice to take advantage and make profits.

[@DaveMccarthy896]

One of my goals for the future year is to use their services. I attempted to get in touch with a few on Facebook, but I never heard back. Could you recommend the individual you collaborate with?

[@Olivia-z5c]

The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Stacie Lynn Winson‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

[@Steven-u2u]

Stacie appears to know a lot about things, therefore I appreciate you sharing. Once I located his contact page, I went over his resume, which was really impressive. I just sent him a mail.

[@user-ms4tq4xc8y]

I just want to have money to visit countries, family, a retirement. Live and give like no one else. Give away money and gifts and be able to not worry about the golden years

[@jimv77]

I am a Gen X on baby step 7 and always thought a Dream home or Cadillac is what you achieve at age 40+, not after college graduation as some folks today. Too much debt at a young age is a killer.

[@nvo_beejay]

Found this channel randomly. And I like your style and been watching a couple of videos to be financially educated. So thank you!!!

[@bagenstb]

Millennials were the first generation to grow up with social media. That's a significant reason they think they need so much money to be happy: they're comparing themselves to their peers in a way no other generation had access to in the past. Fortunately, it sounds like Gen Z has seen the pitfalls of these comparisons and isn't making the same mistake.

[@johnp7320]

The Most Important thing that Money Buys is "Time". Time you don't have to work; Time to pursue things you enjoy; Time to spend with your family. Money buys Time, and Time is Money. We only have so much time to truly live in this world, and Money is what creates time this day in age.

[@BenjaminKraehemann]

Any video featuring George Kamel singing (like his Rent impression this video) is a good video.

[@teresawilson4761]

As a millennial, I am shocked at that number, I guess my peers are much more boujie than I thought! lol

[@ses-ei7oc]

Ikr, I feel so low maintenance.

[@wesleycardinal8869]

I love my bean water but make it at home - mostly. Bought a used Italian espresso machine on gumtree for two fiddy, bought a bean grinder for $100 and buy the beans from aldi for $11 / kilo. Water is free from the tap, milk is cheap and a flat white is about 50c. as opposed to $5 from the bean water shop. We do occasionally go out somewhere nice for a cup, but mostly it's cheap as.

[@Kaha-ow1xt]

Hello fellow Aussie person

[@rossderer6154]

As a Millennial I have seen NOTHING but prices go up my entire life. I'm surprised its not more then 550k. The American dream costs 3.4 million now (pulled from google.) That's 7 years at 550k seems right in line with what you could get for your salary in the 1950s. Its not an over estimate at all. Its just facts.

[@Joshua-sd1cb]

The content is incredible! I would recommend a warning if consuming bean water. I literally spit my coffee out laughing 😂😭😭

[@ses-ei7oc]

I'm definitely going to find a way to use this phrase today.

[@pdxmusl1510]

I think a lot of people have a type of financial dysmorphi. Remember when you were a kid and your grandpa told you stories about buying bread for 35 cents. Well, it snuck up on you, and you're the grandpa now. Talking about buying bread for less than $2. I did the math on some of these things, and it's nowhere near as bad as people think. The younger generations have it financially so much better than all of us. It's awesome to see all the opportunities. It's disappointing to see them instead of acting on those opportunities... whine about it instead. So.. here's what us old people had to deal with and why you're not in as bad of a shape as you think you are. I took my income at 18 & common expenses and inflation adjusted them. At 18 my rent was over 50% of my income. It's still over 50%. A few percent higher. But nothing scary. That's comparing a cheap apartment vs a modest apartment. My utilities cost me $400 per month for an apartment. Inflation adjusted. I purchased a low tier computer for $6000 in todays money. No I did not add a zero. I really mean 6k. And yes, that was probably the dumbest purchase I've have ever made. And I'm probably low balling it. Groceries used to cost me 8%. They now cost me 2%. Again. Inflation adjusted income of my 18 year old self. Honestly a lot of that reduction is probably better meal planning. Gas cost about 3.5 to 4.5 per gallon in todays money. So pretty comparable. A video game used to cost me $130 per game. A new game console was $500-600. New nikes were $200 in todays money. I could go on. My point is... if I were suddenly 18 years old again.. things really wouldn't be that different. And I would have an easier time trying to afford things. I'd probably get a better jump. Especially with today's tech. Kids today are spoiled.. and they are whining about not being spoiled enough. Certainly I'm not advocating they go through the same things we did. We could all benefit from lower costs. But again my point is.. your not financially disadvantaged. And your going to be just fine.

[@RobertBeedle]

37 year old millennial here. I dont know where the $524k a year came from, but it would make me happy. I am doing fine with $103k this year and have an increase to $124k next year. Im debt free, and I have a 15-year mortgage at 33 percent of my income (will be 24 percent next year). No other debt. I am saving $15k a year in my retirement. Next year, that number will be $23k.

[@SimplyChaotic98]

I fn love this guy, legit. Hes helped me so much without knowing me. Thats a ridiculous skill

[@diggernash1]

It can buy the ability to have minimal interaction with other humans. So, yes, it can buy happiness.

[@westbccoast]

Well said

[@Rachel-ul8et]

Psychologically that debt snowball totally works. Soooooo satisfying to get a loan paid off notice! After the first one I was hooked. I had the hootspa to tackle the biggest with the highest interest next. Great motivating system. That motivation aspect counts

[@stephaniejohnson229]

I had a moutful of drink during the rent comment, thank you for that. My computer almost got drenched.

[@restandrelaxation4039]

I think part of why we want so much is because we want to get to a place where our investments take care of us and we own a nice home. We do seem to get dicked around a lot as millenials, and I think most of us are trying to figure out if the next f-you is another terrorist attack, pandemic, government screw up, economic collapse… there’s just so many possibilities!

[@jandkhilbert]

I'm definitely in a different generation. Medical has always been an issue for me

[@Vivalinaaa]

I’m a millennial and I don’t believe one needs to make 5000k to live happily. I currently make 50k and I’m doing fine. Once I pay off my car loan in 2 years I know I’ll be more than happy still living on 50k. It covers my rent, utilities, shelter, and transportation.

[@melissataylor8910]

Love you and your channel! Keep up the good work!!!

[@dankbreh9013]

As a later Millennial my first thought was 225 to 250k. Conventional wisdom was 100k to be well off. Everything is twice as expensive now and taxes have increased.

[@MrPhCore]

If it’s 2 week $1200 vacation it’s not actually $1200. It’s $1200 + half month of expenses let’s say you spend $4000/month (on basic stuff) So it’s $3200 vacation :)

[@christinejeter3922]

😂Bean Water😂

[@DanielGarcia-zz9eg]

Yes. 500k is a good number. Buying big home in a nice neighborhood or ranch. Cars Vacation Boats Trip around the world Hawaii trips Pocket full of money Able to take 3 months off from work. " not all at once, spread out"

[@Leftists_are_Losers]

We can “experience” being broke AF with my wifey … soooo does that count ?

[@jh26pt2]

I think the real goal here (and the thing about money that makes me most happy) is freedom. Freedom to not do anything you don’t want to do - working for an AH boss, working at a job you don’t enjoy, etc.

[@tannermcnabb4836]

Snowball method is not the most financially responsible debt option. There are psychological reasons for it, for sure, but dollar for dollar, attacking you highest interest rate debt first is the most efficient use of dollars. Less dopamine hits maybe since it might take longer to get that first thing fully paid off, but still. End of the day though, do whatever helps you to get rid of bad debt

[@Tater1722]

You definitely dont need that much. Family of four total taxable income of around 70k. I'll be 37 and debt free (including mortgage) in 2028 with a 2021 tacoma, 2022 Highlander hybrid. God wiiling, and thank God!

[@stevenporter863]

8:33 He nailed it.

[@homeboy391]

Very entertaining George. Keep it up!

[@bayside833]

These videos are so entertaining George . Especially with the clips 🤣🤣🤣🤣 I’m dying at the Taylor swift one . AHHHHHHHH

[@Silverdragon517]

Love your videos and the sense of humor

[@andrewpepper3145]

I would suggest the number 1 reason we mellenials think we need so much money is that we're currently paying more for housing than the previous 2 or 3 generations combined! 😂

[@leonchambers7462]

I love the book. You should give it a try. Knowledge is key🎉

[@soapa4279]

Sorry, when a 59 cent cheeseburger now costs $4.09 at McDonalds, it’s not a contentment issue, it’s a crisis. Everything cost 2-5X more than it did just a decade ago, while wages have been stagnant for more decades and career jobs are thin.

[@nathalieisneon]

500k is so excessive.. but I do think (as a millennial) 130k per person income would achieve that sweet spot that the other generations mentioned. I think 200-250k household is the best income it’s a lot but it’s not excessive. It’s also not little enough that you have to worry. I know it can be achieved with less income but we are talking about stress free happiness? Yeah. 200-250k would make me not worry about inflation. But again. That’s pretty much the answer to the other generations 125-150k per person

[@mhodge0890]

How about making a 100k with no debt? Why wouldn’t that make anyone happy?

[@seminolekilla]

I’ve been taking care of my family of 5 on 57k-91k over the last 6 years. Thinking you need $250k is wild to me.

[@davidrg1550]

As a Millennial I can definitely say I don’t need that type of money.

[@FallingAsh]

This just seems like Dave Ramsey lite.

[@longview3k69]

Since I started working, I've been earning less than 25k a year, with one of those years was me earning 9k. A year ago though, I've started earning 50k-55k and I am extremely thankful for the job I have right now. I am a lot happier now and I can easily start paying off all my bills

[@gearhead366]

You nailed it George. Millennials claim they need salaries of 500K, but they want to live the carefree life their parents provided for them growing up. They don't realize that their parents didn't start with the 4 bedroom house, 2 nice cars in a nice subdivision. These parents also didn't stop by Starbucks every morning, and eat out for every meal. They made their coffee at home, ate leftovers at work, and cooked meals from groceries they bought.

[@kennethwers]

And their first home was a small house in likely a not great neighborhood.

[@SM-tq6xc]

The average age for home ownership has gone up 10 years in one generation.. you don’t know what you’re talking about.

[@X.MillennialResponder.X]

Did you even read the article? This is just to get clicks and it’s very sad that they didn’t even read the entirety of the research as it’s just crap. Refer to the link that I put in my original comment above if you read it, you’ll see why millennials may have been trolled by other generations, or the sample size is not equivalent to the other generations based on the methodology

[@spencerl-yf6bg]

Also, most people making $500K+ are working high stress jobs with long hours and have little time for family, friends, hobbies, etc.

[@jandkhilbert]

Still live like this with grown kids

[@Jane5720]

It reminds me of the KZbinr that says your rich life and you define how you want that to look like

[@user-yf7pw3sg2r]

Insurance for cars are slowly creeping up in NYC.......

[@aaronalquiza9680]

most of the millienials they surveyed probably have no savings/investments.

[@chrislim7976]

Dont forget where you live and the people you hang around with. $140K/yr in a major city means nothing.

[@fernandomartinezreyna1836]

Money can buy a Porsche, and Porsche brings happiness 😊

[@protalleus]

I'd be happy with $525,000. Hard to argue that.

[@mcgubber3500]

Gotta work really hard to make over 100k a year, it’s not gonna fall in your lap.

[@chasemorris9052]

All of these thing are real and valid. But Americans also can’t keep their paycheck because the cost of everything is insane. My cost of groceries for a household of 2 is what the cost of my parents groceries for a family of 4 was when I was growing up. Salaries haven’t kept up with that.

[@kateedwards372]

I would bet major money that whoever did this survey was a boomer and didnt pick up on millennials sarcasm. 😂

[@nuhamiley3128]

on payday i will get your book for sure but I was gonna go to my small book store

[@angelfriend3710]

There's a premise that if you aren't content with what you have no amount of money will ever be enough. Lifestyle creep can knock you on your butt!

[@rebeltheharem7028]

500K a year... I would only need to work for 5 years, then I'll retire, as its more money in those 5 years than I would expect to earn in my life time.

[@lockedloaded4942]

The Taylor swift clip had me busting up 😂

[@SM-tq6xc]

500k? Ya that’s a fake poll

[@simplewelshman]

As long as I have enough money for books it's all good...

[@Alexzw92]

2:20 Hahaha

[@elivasquez5976]

Caught me off guard..

[@nataliemichelle1107]

Enough to never feel stress when bills autopay and still being able to save and afford some fun stuff. 500000 would just send me into a spiral because I know what kind of spender I have been in the past and I don’t want that again.

[@mrdomino1881]

All millennials must live in LA, CA to want that salary to be happy.

[@stevenporter863]

8:33 Nailed it.

[@GhettoGatesss]

Ubers, grub hub, extravagant vacations, trying to impress people with shoes clothes and cars and 5 Starbucks drinks each day and having money to live on top of all that is what young people need to be happy and that’s not happiness! Kids these days aren’t happy! Suicide is higher than ever! Body shaming and social medial delusions have made kids under 25 worse than ever. To live a life to just to show off or impress strangers for likes or clout is the farthest thing I could think of when I think of the word happy!

[@user-bz9wf1hm6t]

I drive a 2007 Toyota , go to the thrift and buy my clothes for me having peace of the debt

[@briankelly1240]

Experiences with loved ones costs *time*. Time not working. That is the real cost. Can I afford to not work to have experiences with loved ones? Or do I have to spend time working for bills?

[@elquevee]

I heard you on School of Greatness with Lewis Howes. Rarely enjoyed the insights and nuggets of wisdom! A Breath of Freshly baked cookies 🥰😇🤗 🔥💝🌺 How can I order a copy of your book from Australia

[@maxshiraz3447]

If those same people actually made 500k, they would be shocked at how much taxed they paid and therefore how not-great it is

[@rickdunn3863]

You forgot to mention millienials dont know who is one the one dollar bill, or what continent they live on. So 525k makes sense.

[@lunallena5594]

There are stupid people of all ages, incomes, and roles.

[@ziirsmashgaming]

A 7$ coffee would definitely drail my accounts. I could choose either a coffee or eating 3 meals.

[@cellsheet]

As a millennial 120k for me, that 500k figure is insane

[@victorblas3483]

Hi George, your book and videos have inspired me like crazy to pay off my debt. Starting with the debt snowball im one credit card down, almost down to another one in a month or two. Then I'll have three more small ones to tackle in a few months!

[@heathervenkat1414]

The Rent reference 😂

[@desiv1170]

My favorite quote that I saw somewhere on KZbin last year. "If you think money can't buy happiness, you haven't tried giving it away..." It was a quote from a teacher helping his students setup a program around giving... Sometimes I like to watch good stories on KZbin too... I know, weird... ;-)

[@jalopy2472]

Look at the living costs in major cities and the fact that millennials are at the peak of starting families. The millennial number may be a little high but not far off of what you need to be comfortable in this economy with a family in a major city. Before people tell “just move”, take into consideration that people have families and careers in these HCOL areas.

[@1papachi]

early millennial household gross this year of nearly 400k, as soon as he said millennials I did guess $500k lol crazy

[@Driving4bangers]

Money money money I need more of it

[@Halfwaythere807]

Hard financial pills to swallow😢

[@ses-ei7oc]

Bean water! I'm stealing this.

[@earitch5856]

I live in Commifornia. Try the every dollar budget here and get back to me.

[@puravidaot]

Money solves money problems, not happiness