How I Automate My Finances

In this video I'll walk you through how (and why) I automate my finances, including bill payments and investments.
📺 Watch this video ad-free on Nebula: nebula.app/videos/thomas-fran...
🛠 COURSES AND RESOURCES:
Notion channel - / thomasfrankexplains
Free Notion templates - thomasjfrank.com/templates/
Learn Notion - thomasjfrank.com/fundamentals
Productivity and Habits courses - thomasjfrank.com/courses/
🦙 SPONSOR:
Get a full year of Nebula and Curiosity Stream for less than $12: curiositystream.com/thomas
📃 ARTICLE VERSION:
collegeinfogeek.com/automate-...
🐦 SOCIAL STUFF:
Instagram ➔ / tomfrankly
Twitter ➔ / tomfrankly
Podcast ➔ / thecollegeinfogeekpodcast
Music Channel ➔ / @thomasfrankmusic
Spotify Study Playlist ➔ open.spotify.com/user/thomasf...
🔗 VIDEO LINKS:
Your Money: The Missing Manual - / your-money
Personal Finance Tech Tree - thomasjfrank.com/techtree/
My Financial Planning Spreadsheet Template - thomasjfrank.com/free-budgeti...
👐 BUSINESS:
Please contact my agent at [e-mail]
🎞 SPECIAL THANKS
Video clips supplied by Getty Images
💰 I'm fortunate enough to work with great sponsors who support my work, so I don't use Patreon or any other crowdfunding service. However, if you'd like to support a worthy cause, consider donating to help more children get access to a high-quality education: fundraise.pencilsofpromise.or...

[@Thomasfrank]

🧐 Watch a full-length (47 minutes) companion video to this on on Nebula, where I go through my entire budgeting/financial planning process and custom spreadsheet template: curiositystream.com/thomas 📱Here's my budgeting spreadsheet template: thomasjfrank.com/free-budgeting-spreadsheet-template/ 🖊 Quote of the week: “It is not hard to make money in the market. What is hard to avoid is the alluring temptation to throw your money away on short, get-rich-quick speculative binges. It is an obvious lesson, but one frequently ignored.” - Burton G. Malkiel, "A Random Walk Down Wall Street" 👈yet another great reason to automate your finances.

[@wjrasmussen666]

Is your car loan on auto pay?

[@TienNguyen-vj5yg]

Hi Thomas, thanks for another awesome video! Wondering if this full-length video is going to be on Skillshare too or only on Nebula?

[@Thomasfrank]

@@wjrasmussen666 yep! Auto-pay all the things

[@Thomasfrank]

@@TienNguyen-vj5yg this one's just on Nebula!

[@TienNguyen-vj5yg]

@@Thomasfrank another reason to subscribe to Nebula :) thanks for your prompt reply Thomas!

[@richardujadughele6329]

One thing that I did that helped immensely (which I learned from another finance KZbin video), is call and have the due date for my cell phone bill, my utilities, and all my credit cards moved to the 1st of the month. So you only have to check and track money going out of your account on one day. It makes managing your bill payments sooo much easier.

[@boomergames8094]

I get paid 2x a month, so I moved them into two groups of about equal amounts.

[@eldritchbeauty]

This is really helpful. Thank you.

[@UnicornPizza]

Great advice, thank you!

[@bubski_mcboo]

I have mine go out on payday, which isn't the first for me. It means that everything is covered and I know exactly what I have left.

[@ErcoleBellucci]

you pay bills periodically, what's the point of moving to 1st of month?

[@mstormes]

Great video. I'm 65 years old and have been following this basic plan for my entire life. Back in the day I wrote out the checks and dropped them in the mail. Setting up an automatic payment for your monthly expenses not only makes sure you pay on time but also gives you a clear insight into what you are spending if you are not doing a budget. This approach has saved me many times when life interfered with paying attention to my bills. And believe me, life will get in the way, and automation takes one more worry off the table. If you set it up to pay a little more than your typical utility bill, if you don't have time to review at least the bill is paid. And guess what, the next month the overpayment is deducted from your bill.

[@Cobalt_11]

One thing i started doing for peace of mind really was making my auto investments happen on a pay day. Having to pay rent and utility bills in the first week AND see my investment money leave the account for my bank account down to some low balances and having the floating room for a paycheck so that my balance quite literally stays close to the same is super satisfying

[@jessemiles5856]

I feel like you and I would get along great in real life! This is how I run my stuff as well, great job.

[@jxclark13]

Another tip (that I sadly figured out about 20 years into adulthood) is to call your credit card companies and get them all on the same pay date. All of my CCs are due on the 15th. It makes it easy for me to remember when it’s due.

[@mtissink]

It shouldn’t matter, because the money needs to be there. If it is not there, then you shouldn’t buy it.

[@MadMaxJuggernaut]

Not possible in Canada

[@IEHD01]

@@mtissink it may not matter to you, but having everything due on the same day means having to check your accounts less. Automation makes life easy.

[@mtissink]

Here in the Netherlands there are credit cards, but (I assume) 99% of all transactions is debit card.

[@IEHD01]

@@mtissink Ahh I see. Thanks for that! it's way different here in America. We have to worry about building credit here. It's easy if people are responsible, but it's a vicious and predatory system for those who aren't.

[@ibendover4817]

Last part is very true. I would definitely still monitor my autopay bills or have it setup to send me notifications when a bill is paid. Worked in telco and i've seen several people randomly get bills that are 100x their usual bills due to billing errors. I've also had a similar bill from my power company that I've disputed and got back $300. After you reach a certain amount in savings these amounts can fly under the radar.

[@boomergames8094]

100x would not fly under the radar, but I did find over $200 leaked out from stuff that should have been cancelled and wasn't.

[@ibendover4817]

@@boomergames8094 Again, depends on your savings. When I worked for billing in telco I would get several complaints during tax time about 10-100x and higher bills that were several months old. Most of these were business people/high paid professionals and hired accountants only once a year that noticed this/had everything automated. These bills were a drop in the bucket in terms of their overall savings and other expenses.

[@richardujadughele6329]

One thing I do is set up all my auto pay from my bank side versus on the vendor’s side. It gives me the control to dictate when and if the vendor gets their money, versus giving the vendor the permission to debit my account every period. Because how do you revoke that permission? I’ve heard of instances of people canceling a subscription but still getting debited. Also, I send the vendor the same amount every month. For the most part, my finances don’t fluctuate much, so this works out. If it turns out that I’ve overpaid one month, then I can either ask for refund, or just take the credit and pay less the following month. But my budget doesn’t get blown up because I have sent them an amount that I had already budgeted for. But if it turns out that I’ve underpaid because of a mishap similar to what you’ve stated above, they will get in contact, trust me hahaha. But I’m that case, I can dispute the charges with my money secure in my account, versus me being them to give me my money back, and waiting 7 -10 business days for a refund to be processed.

[@BeardFjord]

This personal finance tech tree is an amazing idea!

[@petersimon5263]

Love the idea of the tech map.. I want to do that for so many things now

[@ExplainosphereChannel]

Thomas is like the older brother that every late millennial or gen z needs in their life...

[@normaldean]

This comment is amazingly accurate

[@naim2729]

Well said

[@Defeshh]

Exactly! Through our own research and experience let's hope we all become that older brother in the future.

[@BrainyExpress13]

100% agree!! Perfect statement 👍👍

[@francisrommelligsay8218]

trueee

[@SimplisticallyDigital]

Nice! I am on the right track. I am already automating investments and bills. I need to look into credit card rewards. Thank you 🙏🏿

[@brainstormer2520]

In my humble opinion, the most important step in personal finance is to read the book "Millionaire Next Door". It's a real eye opener.

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••••

[@RahulYadav-nk6wp]

Who needs a version 2.0 of this one! 🙌

[@viickandrade]

awesome tips, Frank! thanks for sharing

[@killianmerdrignac2077]

Very insighful, thank you so much for your help 🙏🏻

[@pjhoody]

This is the video i needed to see to know i am on the right track.

[@FilipWaal]

we actually already have this integrated in our banks native app in Norway. Nice video! :D

[@ShilohWest]

I was cheesin when I saw the Mark Holcomb PRS that is in my room also being on your wall. Love the content, love the guitars, love the music taste. Keep it up bro!

[@apeterson23]

What is your tech tree app your using? Looks awesome! And thanks for this budget info...

[@ElliotWeishaar]

Great video. I'm a tech guy so I was hoping the "automate" part was going to be more than just "set up automatic payments / transfers". But still great advice overall!

[@zik1981]

Same here. I have plenty accounts in differents countries (and brokerage accounts) and a real automation would have been a blessing

[@ismaelthesilva]

Hi Thomas! Do you use Excel for personal finance instead of Notion? I’m checking your free file!

[@Robert723]

Very interesting topic, thanks!

[@DorasBeautyReviews]

Great video!

[@keithellis5297]

The Civ comparison is hilarious and brilliant!

[@1106gary]

Lots a good advice, but one caveat is needed. A healthy 44 year old friend suddenly fell into a coma and died two weeks later. He had everything set up on his password protected laptop- automatic payments, online statements, and billing. But no one knew his password to stop subscriptions, cell phone, or access his accounts to his final bills.

[@ethancloin]

the tech tree concept is a stellar idea to gamify personal finance

[@edward.abraham]

I wasn’t financial free until my 30’s and I’m still in my 30’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this

[@james.atkins88]

Nice one Chris. Any investment tip?. I would love to know how you made it this far.

[@hunter-bourke21]

Well having monitored edge my portfolio performance which has made a jaw dropping $473k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.

[@Believer292]

@@hunter-bourke21 I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.

[@hunter-bourke21]

Mary Onita Wier, Maintains an online presence. just make a simple search for her name online.

[@rebecca_burns14]

Thank you for the information. I conducted my own research on Mary Onita Wier, It appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.

[@joerobert1801]

Adapt to a lifestyle, be thrifty, set a budget, save money, and make investments to live within your means. I benefited from this as a six-figure income. With this strategy, my retirement savings have increased by almost $1 million.

[@seanroger6954]

I use to be like this when I was younger, now I'm way better with money. I'm just not impressed with a lot of material items anymore. Having a budget and having patience is something I had to practice overtime.

[@rahultoggi4672]

how do I go about this Zach? I want to try all my options

[@anastasiassharings]

Technologies are changing quickly, new jobs are being created all the time and schools just struggle to keep up... in 2023 everyone should learn personal finance and teach our kids!

[@AakashMehta]

This is exactly what I was looking for, but this video is more about why than how.. I want the how, maybe a Notion template?! :)

[@vincentFGC]

Same here!

[@travis_approved]

Bro I’m on my KNEES for a finance notion template from either Thomas or Ali 😂🙏

[@trentdpt]

His Excel sheet is crazy comprehensive. Not sure that Notion can currently handle what his spreadsheet does

[@Thomasfrank]

The actual automation is pretty easy and doesn't require any special tools. Just set up auto-pay or auto-transfers at all the relevant accounts. Some tools that can help with monitoring all your balances include Personal Capital (what I use) and Mint. Here's the Google Sheet template I use to do all my planning - thomasjfrank.com/free-budgeting-spreadsheet-template/ - unfortunately Notion just doesn't have the feature set to even come close to replicating this yet.

[@trentdpt]

@@Thomasfrank Is personal capital in the same vein as Mint or YNAB? A fee and it syncs to your accounts so that you can manage them?

[@markstanchin1692]

Thanks!

[@monsterenergyaxe]

8:40 the robots got me as a gamer. Where is the personal finance tech tree? Can I download it or is it posted?

[@kolbihuntergrayson4054]

Hey Thomas, awesome video! I was wondering, what is the software you use to do voiceover when sharing your screen? I am helping people make courses and this looks like a valuable tool if you're able to do it live!

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••••

[@devonrd]

I think most creators use audacity to record voice-overs :)

[@avoidingbroke]

Thanks for a clear, considerate video. Doing a regular review of what youve automated really is key, as it keeps a connection with your finances and helps us not to be scared of managing money 👍🏾

[@boomergames8094]

Absolutely true. I've found stuff that I should have stopped months ago, but its automated so gets lost. I now check quarterly.

[@gitarzzan1]

Super hard to save with me seeing the fender acoustasonic in the background. 😆 I’m kidding. I do like it though. Good informational video!

[@unholy7324]

This is the first I've seen of you and I must say you'll be getting my views. I'm always in my books and I'm always looking for bigger/better/different ways to expand my techniques.

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••••

[@meow-says-the-cat]

Thank you for the video, this will ensure i will not be disturbed and I'll have a stress free hibernation :))

[@Erginartesia]

I figured a few of these only recently .. for instance only this past year have I posted both income and due dates. I keep both due date and closing date which IS NOT the same. And I always put the renewal date for subscriptions, many of which come up annually.

[@gm2407]

I remember a time where banking was done in person, with cash. Imagine every week taking money out of an account and transferring it to another account either in the same or another bank. That is a long time queing. Been there done that. Whilst I miss using cash, I do find it more convenient to automate.

[@DinaTiffany]

Very very helpful video! 👏🏻👏🏻👏🏻☺️ Thanks a lot for sharing with us 🙏🏻 ☺️

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..•••

[@LivingGuy484]

Hey, this is my first time seeing your channel, do you still have the Excel template? I checked the description but could not find it

[@marcumemail8595]

I can’t seem to find that walk through video anywhere has it been taken down?

[@tunn0fish]

That looks like fun 😄

[@user-wi4de7wl4t]

Is it possible to get access to the personal finance tech tree, Thomas?

[@jabassboy]

Is the Personal Finance Tech Tree available somewhere as a resource?

[@alexandarvarchev5137]

Is this teck tree you showed in the video available anywhere?

[@maemae9534]

Do you have a video on how to invest for beginners?

[@achrafgr5449]

Dope video

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..•••

[@hanananf]

thanksss

[@CercleDali]

Hey, as a creator, I was thinking of posting on skill share but is nebula better ?

[@WolfPack-fj4lk]

Do you have the flowchart somewhere? Checked the article and didn't see it either.

[@ErrorOptik]

What app do you use that does all this?

[@SamuelPeiffer]

What’s the name of the Mindmaps tool? At 5:17?

[@Thomasfrank]

Whimsical!

[@ananddaswani]

What app does he use to map out his thoughts like that anyone know?

[@sarawilde7493]

Thank you so much for creating this video! So helpful! 😊🙏🏼💛

[@matthewhoward1958]

How do I access the free budgeting excel sheet?

[@muttbasketball]

Dude... You've mastered the computer...

[@ghassanalshareef8337]

Its been almost a year now that i didn't see new video. I hope you are doing well brother

[@iangrant3615]

Basically use direct debits to automatically pay bills you can't avoid and standing orders to ringfence money into savings or investments to prevent you from spending it mindlessly. It's been a mainstay of banking for decades, and can be done without even having internet banking.

[@naim2729]

Your mic sounds good

[@stfudante]

is that tree available for download?

[@michaelcruz3753]

Would you share the "Tech tree" you talk about?

[@Philipp.S]

1. Tutoring 2. Counseling 3. It 4. Field Research 5. Media Skills

[@brightstuff3519]

I love this guy.

[@jackykuk4436]

👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••

[@trevormuhlestein8516]

great first take, you have about 1/3 of it automated right. there is still a lot more you can do

[@DemetriPanici]

I automate my monthly Roth investment and S&P 500 index fund. It’s the best thing you can do for your long term financial success

[@primearchitech]

I want to invest like you. Where are you doing it?

[@FinancialFreedomMadeSimple]

Thank you for sharing sharing your personal experiences in investing.

[@web8gr]

Any alternatives for Vanguard for europe?

[@nickmanning4prez]

I would pay for that spreadsheet

[@Thomasfrank]

It's free! thomasjfrank.com/free-budgeting-spreadsheet-template/

[@johnnyede]

I am a sentient bear watching your video! 😂 Great Video Mate

[@Seolhwaneul]

My sister’s adamant about finance automation because she doesn’t trust the biller, thinking they might overcharge her or something oof

[@jacobs.9696]

160 hours averaging 14$ an hour net = 2,240 a month. Any part time / full time night jobs you (Thomas) or anyone else would recommend for me to improve my situation? I keep ending up close to zero after rent, cell phone, medical insurance, car payment, and food.

[@steefen5281]

What supplies do you buy?

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..•••

[@KidNapPingNo1]

But how do you name all those automated transfers? For example my bank doesn’t have the option to name those automated transfers in a specific pattern. For example I would like to name the transfer as “savings for month xxx” and xxx should be the name of the month in which the automated transfer happens. Do you have some solution for that?

[@Thomasfrank]

In my experience, you don't set them up directly with your bank - you set them up at the service where you pay or deposit. So there's no list of transfers in your online banking software. I'd recommend creating your own list, perhaps in Notion, or perhaps in budgeting software that does it automatically for you (like Rocket Money)

[@Tyrone-Ward]

At 2:25 what type of account did you set up at Vangard?

[@Thomasfrank]

I just opened a regular taxable account at the time. I believe I picked their STAR fund, as back then it had the lowest minimum investment which was $1,000. Things are WAY different (and better) for beginner investors now. There are so many great ETFs that have no minimum investment, and it's way easier to set up a Roth or Traditional IRA now too.

[@Tyrone-Ward]

@@Thomasfrankcool thanks for the response. Just discovered your channel and there’s SOOOO much info here. Subbed!

[@whiteyxdplaylit5945]

Subscribed just by reading the comments!!

[@Tmccord15]

Yo bring back that podcast dawg

[@BD-zx8ji]

How many people work on your team?

[@munen343]

Who else wants to gib thomiss a smooch 😘 man is really out here securing future's.

[@AlexandraAnnette]

this video is helpful!

[@southern7766]

For all the late teens/early 20 year olds: Credit cards are A DANGEROUS THING! What Thomas says is 100% true. You should treat it like a debit card. Credit card companies will be reaching out and offering you larger and larger credit lines. DONT USE THEM UNLESS IT IS AN EMERGENCY! You can wait to save up for the new xbox. I know this goes without saying, but take it from someone who is now paying back for all their mistakes they made in their early 20's because I wanted to live outside of means.

[@michaeld954]

I want to find a way to automatically pay my property taxes

[@rickgaston7505]

Thumbs up just because you put a Civ reference in a finance video.

[@JonAdamsMinistries]

This is great, thanks man!

[@NathalieLazo]

Extraordinary person reading this, you are not define by your circumstance or your past. It’s not what happened to you that determines your success in life; it is how you deal with those circumstances that determines your success in life! You are strong, you are capable and practice forgiveness and gratitude everyday. This will change the course of your life forever! Love you always and I believe in you wholeheartedly ❤️- Nat

[@ronaldfabricante2158]

I was wondering if you can share that process flow that you outlined in your video? That might be helpful for me. Thank you.

[@Thomasfrank]

Yep! thomasjfrank.com/techtree/

[@katto4586]

anybody know where to find the video of Thomas in the Ugly Llama Christmas Sweater...

[@Thomasfrank]

I'm pretty sure that's my "10 KZbin channels to follow in 2020" video

[@katto4586]

@@Thomasfrank Thanks heaps. You should wear it again for the festive season in one of your upcoming videos - can't have too much llama. So appreciate your videos - I have 5 kids on the autism spectrum (15-25 years old) they so appreciate your wisdom. Particularly on things like decision making, over thinking, perfectionism, anxiety, social, executive functioning and reading and everyday life skills.

[@SaraphL]

I have one question Tom. You said you use credit card only as a means to pay for what you'd be paying for anyway. At least here in Europe, this is exactly what we have debit cards for - they come automatically with creating your bank account and every card payment is essentially a proxy for bank transfer. Having "credit" cards is actually quite uncommon here (we just take a general-purpose loan if we need more money than we own). Are debit cards not common in US?

[@facadery6892]

Debit cards are actually quite common here in the US. The difference is, debit cards give little (if any) perks and rewards. On the other hand, credit cards can give upwards of 5% cash back in some cases or many airline points. Of course, the downside is the interest payments if you don't pay on time. Debit cards are useful for people who have a hard time paying off their credit card bills, but by using automated payments like Tom mentions, this would not really be an issue.

[@Thomasfrank]

Ray covered it well - we do have debit cards here; you usually get one with any personal bank account. But I almost never use mine. I do use automatic ACH transfers for mortgage, since I can’t pay that on a credit card. But for literally anything I can put on a credit card, I do. That’s partly for the benefits - my personal card gets me 2% cash back and I have business cards that get up to 5% back on certain things. (Caveats: my limit is high enough that i never go above 30% utilization. Going higher can hurt score. And since I always pay the full balance, I never have to pay interest. So it’s just full-on better than a debit card) Credit cards are also better for dealing with fraud - if your info gets stolen, it’s way easier to dispute transactions with a credit card company than with your bank.

[@Yellowbullet714]

@@Thomasfrank any Credit Cards you recommend for Business

[@1106gary]

Debt cards have the danger and difficulty of getting your money back if your account is hacked or an incorrect charge is made. A customer at my store changed is mind 30 seconds after a charge was processed. Even with my help it took 3 months before the money was back in his account.

[@ardiris2715]

Seconding the cash buffer. I have used that method since the mid-80s and now into my retirement. (:

[@snapdragon2441]

Wow, I have never seen anyone create a tech tree for personal finances before. Would you be willing to share this with us mere mortals? And yes, I use my credit card the same way, to get the perks and pay off in full each month.

[@ludovicof.4716]

What is the name of the website that you used to make the financial tre at minute 5:00 of the video?

[@Thomasfrank]

That'd be Whimsical! One of my favorite tools. whimsical.com/

[@syx8op]

Perfectly timed 😁 ty sir.

[@This_Is_Not_My_Username]

Half a million views, 14K likes and only 228 dislikes. He just said "automate your finances" without telling how to do it and then spent about 30% of the video telling use about a sponsor and how you should buy a book. This is pitiful.

[@nixbys]

This seems very similar to Dave Ramsey's Financial Peace University. Thats what I am using. Otherwise very good video.

[@rashaddean6607]

If you put in $50 a month how can you afford to invest in a index fund?

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••••

[@gaminginfo161]

Hey Thomas! How should I invest my money and into what? Thank you so much for inspiring us!

[@Thomasfrank]

Working on a video series about this! It's not a super-simple question to answer as it'll depend on your situation and goals. First take a look at the path on my tech tree to read about the preliminary steps: thomasjfrank.com/techtree/ I also have some steps outlined for investing. Primarily it's good to start investing into retirement accounts, especially if you have a 401(k) or similar plan at work. You can also open an IRA (assuming you're US-based - I know nothing about other countries' financial products) to access tax-advantaged investing yourself. For platforms, I like M1 Finance or Fidelity. M1 has an easier-to-use app. They do have a $500 minimum deposit to open an IRA though so Fidelity is nice if you want to get started with less. I can't tell anyone else what to invest in, but for my own goals I personally like low-cost ETFs. I'm a fan of the index fund-heavy approach outlined in A Random Walk Down Wall Street. So I focus primarily on funds like VOO and VTI, which track the US stock market. I also throw in a bit of international diversification. Many people will say to further diversify with bonds, but I'm young and don't plan on relying on my investments for income anytime soon, so I'm willing to be more aggressive.

[@gaminginfo161]

@@Thomasfrank Thank you so much! I hope you have a wonderful day! You are the best. P.S Make more videos, you are helping and motivating us so much. I am a college student and also I am working as a video editor, you have helped me a lot. I appreciate it!

[@gaminginfo161]

@@Thomasfrank Hey Thomas! I hope you are doing well.Upload a video if you can, I feel a lot smarter and inspired after watching your videos :D Take care and Thank you!

[@ZayTradesFX]

Invest into yourself! New Skills, Health, Mentorship from successful people. Knowledge is power!

[@microdraw1278]

Do you have discord server group?

[@jackykuk4436]

👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••

[@theyisgreen.9883]

I read the title as "How I Automate My Furnaces" and thought this was a Minecraft Redstone video.

[@Tanicorn]

You're a real one

[@zacharysherry2910]

This video is so crazy watered down.

[@GQGeek81]

I really like that Tech Tree. I will point out that if I compare it to recommendations from Bobblehead or Dave Ramsey, it probably needs more information on being insured. A high deductible plan is certainly not for everyone, but since an HSA is triple tax-advantaged, it important to understand that before considering which plan makes the most sense. At this point, I'm trying to work my way through dipping my toes into the high-risk investment category. Having a tech tree for those options specifically would be interesting.

[@jackykuk4436]

👆👆Thañks för watchîng, Reaçh oút för persönalized finànciàl cöaching..••••