How I save 60% of my income

[@NateOBrien]

Can we hit 1,000 likes on this video???? Also for clarification. 60% of income gets distributed to both savings AND investments!

[@thinkingai6017]

yes + great videos you make. keet it up. thank you

[@vermasean]

I tried hitting the ‘👍’ a thousand times, but it would only allow me 1. Keep up the awesome work!!!

[@WhiteBoardFinance]

I'd say my biggest spending is definitely eating out. My wife and I meal prep, but lately I've been going out to eat way too much.

[@NateOBrien]

I hear you

[@chrisl418]

Learn some basic bean/rice recipes. Hey Nate! It's not as weird as you think! Make a couple cups (dry) Basmati rice. Make a nice black bean recipe, some vegan chili, some vegan (pinto beans) refried beans. Cut up some fresh veggies and put in frig bags, prep some romaine lettuce (rinse, place in plastic frig container between paper towels). Grab and heat rice and beans. Add veggies and an apple and orange. Add kale or spinach to the bean recipes. Bake a couple potatoes, put in frig bag. It's a lot easier than you think. Go online and google some basic recipes.

[@andreasleonlandgren3092]

Time to make those lunchboxes i make several on sundays.

[@BRBallin1]

Perfectly fine but cut down on the costs by going to places where you don’t need to tip and opt in for water instead of soda or other drinks

[@auntyuber5127]

@@chrisl418 I need to copy this but can't find a pen

[@Liittleli]

I had prepped a whole presentation to my boss about getting a raise. I got it! Went from $20 to $22/hr I went through only half the presentation before she agreed. It never hurts to ask, worst they can say it no. But you can always ask again and they know you're trying to be more valuable.

[@ladybird491]

$2 is nothing and is not going to get you rich, cause you are working for someone else, take it from someone who knows. Do not celebrate getting one more crumb for a day job, celebrate finiacial freedom through having your own business. A day job is not something to be excited about because your survival is in another persons hands.

[@ashleyn1979]

Shud have asked for $30 i guess

[@Phuong-qh1dt]

@@ladybird491 that is a raise of 10% so its a great number.

[@angelreber3688]

@@ladybird491 pretty excited about my day job lol...... I'm appreciated, I enjoy what I do, and I make 35.00 n hour

[@johngibs5356]

@@ladybird491😂😂😂😂😂😂😂😂 tell her the truth on how hard it is to have your own business, and it’s not as good as you trying to make it

[@FinancialShinanigan]

When asking for a raise, make sure to keep note of all your achievements at work and to initiate the conversation because they never will say hey you need to be paid more! I asked during Christmas the manager was in a good mood for the department reaching our goals. Show how you contributed and end up with a 15% raise like i did!

[@NateOBrien]

Proud of you!!

[@ColeDeRuse]

15%????? Holy smokes! Good work lol

[@MrDaleOG]

One thing I will say about the ‘fashion’ aspect. Learn to have STYLE rather then fashion. Fashion is what keeps you spending. STYLE is YOU. Style is how YOU feel. What YOU like. Style is forever. Style birthed fashion. As long as YOU like what YOU like...you’ll be good.

[@CarlBergsdorf]

Fashion comes and go but style is forever ;P

[@peterfallon4018]

I disagree buy top quality clothes, fit your body well, take care of them they’ll last 12-15 yrs & look great every time you put them on.. tho of course but off-season & on sale!!

[@peterfallon4018]

Of all things, do NOT be cheap w/ shoes. As a guy w/ a bad back (as w/ millions of others) spend the $125-$150+.on high quality shoes b/c it’s an investment-look great AND protect feet & back. Get them re-soled for $20 when needed & like other high-quality clothes they’ll last 10+ yrs EASY...

[@lamnguyettran6675]

I love black

[@charmainewalker8627]

Peter Fallon you don’t need top quality clothes that will last. I do not follow fashion and I have clothes for many years. I am a teacher and I dress simple but yet classy. No hype no trends. I only replace when needed. It works. I see many teachers claim the same thing that they spend money on quality clothes but yet they are in debt. You don’t need expensive clothes to have quality.

[@Doris86pl]

I save 70% of my income now (ealier it was about 50%, but for few months I have 70% and it feels good). 10% goes to donations (charity, church etc), I live on remaing 20%. One of the biggest saving is living in my family home with parents and brothers (it may be difficult for some, but I like it, we share responsibilities and duties), cooking by myself, going to office by bike. I like clothes, but few years ago I started sewing some on my own (it's not cheap option as fabrics are expensive, but I wear only what I love, I can redo old clothes and I don't get rid of these quickly as I know how much time, money and effort I put into piece). I live in small town but don't have a car, I use public transport (trains) and when I really need a car I borrow it. Despite being frugal I allow myself to travel 2-3 times a year (living in Europe is a huge benefit), I love books so I have budget for that, I also have budget for gifts and flowers for my friends and family, oh, and I love opera and classical music so I go to theatre or concert hall at least once a month. If you have budget and stick to it you can spend some money on things you really like. In the past I used to spent much more and didn't save at all in first few years of career (finaly own money, let's spent some on usless stuff), I regret it now, as I know that more spending means a lot of stuff you don't need and in the end you throw away. Don't make same mistake. Save at least some money, don't be slave of wrong financial decisions.

[@rukhsarpathan4642]

Wow man.. Thanks for sharing it. 👍

[@LalzJeNeSuis]

How much do you earn ? I could save 10% when I had 1200 a month, but now 40% with 1800 a month :p

[@Doris86pl]

@@LalzJeNeSuis 5300 PLN gross, that is about 1379 USD or 1177 euro, it's just below average wage in Poland

[@LalzJeNeSuis]

@@Doris86pl Minimal wage in France is 1200 net

[@tr4visfr4ntt21]

@@LalzJeNeSuis Good for you. It's around 530 eur net here in Czech Republic

[@Aliusmi]

Cutting unnecessary expenses, understanding difference between needs and wants . Appreciate your videos.

[@NateOBrien]

Needs vs wants is huge!!!!

[@sct4040]

Ali Usmi I wish I knew the difference betw a want and a need earlier, would have save tons of $ and interest on CC.

[@ThomasCarvo]

100% With you on meal prepping. Such a great way to cut out eating out or delivery expenses.

[@jebVlogs556]

Same @Thomas Carvo I do meal preps myself,and to be honest its easy,all you need is alittle practice. People say,they don't have time or that they can't time for it (you have to wake up bath and brush your teeth/comb your hair lol) so you can make time for that also. Now i have to disagree to agree about work traveling,some people enjoy that and thats what they make time for, however if you miserable about it,time to cut lose and find another avenue.

[@mosesdevadass6056]

Same. I’m a teenager that’s watching these channels to be prepared for the future and I can understand why my mom hates whenever I ask for fast food.

[@cocodakilla]

Food delivery services up the prrices of items and then you have the delivery fee. Some people order for their family from different places and also dessert and it can get out of hand quickly

[@bakgammon]

Especially in keeping you healthy which cuts down medical bills 👍

[@JohnDoe-zz7on]

Cooking is one of the most underrated cost effective way of saving tons of money. 1. Cost estimate from eating out for me vs home cook meals is about 4 to 1. Cooking at home moneywise wins hands down. 2nd: If you cook balanced nutritious meals it can save you tons of money in hospital bills, allow you to physically continue to make money working while adding more productive years to your life. I cannot stress anymore how important good cooking is on so many levels. For me, cooking skill is a skill that must be passed down to the next generation.

[@BLKPNTHR]

Nate: We're in 2019 there's very low unemployment 2020: 👀

[@jeffreyhavens9163]

I'm watching in 2020 too LOL

[@alecjkrueger1]

R.I.P

[@PunchNugget]

HAHAHAHAHAH

[@carloS-jy1fl]

Now hyperinflation is peaking over the horizon saying "helluu"

[@hampuskarrlander9533]

What I like about Nate that I feel like few people are doing is: 1) Doing one takes or long takes, he doesn't hide the Um's and Ah's, kind of creates this humility and authenticity. 2) Feels like he is speaking directly to us as if we were sitting across from him in the same room

[@ChachiTelevision1979]

Nate’s financial advice is fire. Quick, simple, practical.

[@thepodlabs]

Saving is the new flex

[@MarlonOwnsYourCake]

I surprisingly did not hate this video. I've seen so many that are either like "don't try to enjoy your life if you're poor" or "I saved money by not going to France every year anymore" and you actually kept it real.

[@gustavoaffonso8942]

I have to recommend for the groceries department trying the cheapest version of everything. A lot of times cheap products are similar to the most recognized brands. Sometimes you will have the disappointment of trying a bad product, but in the end it is a 1 time thing and you'll soon find out what you should or should not pay a premium for. Don't be afraid of small brands

[@elka7823]

Lidl

[@Νικόλαοςαἰσθητικός]

you’re spot on about the clothing part... wearing simple clothes that never go out of style in order to save money. it’s wasteful keeping up with trends.

[@doloresvangaal2248]

I'm saving 50% of my income. But I'm also lucky to have parents who thaught me the importance of saving and NOT spending money on things you can't afford. I don't even use credit cards. Only debet cards. If there is no money to spend, I can simply not spend it. Live below your means if you can. It will save you.. and a whole lot of other people. Don't buy into the consumerist ideals. It's not because many people follow these ideals that you should too. If more people become wise, live below their means, and invest wisely, it'll be good for the economy and humanity in the long run. Save to save everything. 😉

[@louisiorfida7623]

I make 45k per year and am able to save $600 per month after contributing to my 401k and getting the 4% company match. I spend $60/week on groceries. I mainly eat chicken, rice, veg, fruit, oatmeal, eggs, ground beef, cheese, milk, greek yogurt, and whey protein. I love eating out so instead of having a restaurant fund I include any eating out in my spending money fund which is $200 bi weekly. Once that $200 is gone I won’t spend anything else until next pay period. I have a paid off 2009 Toyota Corolla with 65k miles. I work 2 miles away so I only spend about $40/month on gas. My biggest expense is my rent. I live in a very nice apartment complex with a gym, pool, basketball courts, and dog park. I have a roommate so we each pay $600. But I’m still able to save and invest so I think it’s worth it!

[@Bluponi]

I'm saving 25 % of my income, I have been doing that my whole life, I"m 45 years old, but this guy has some good ideas...

[@anna_coy]

Thank You Nate I'm so impressed by how young you are and how much you know. such an inspiration

[@NateOBrien]

Hey thanks so much Anna! Hoping that you find value in my future videos

[@cloroxbleach175]

@@NateOBrien She wants the diddley

[@elka7823]

Clorox Bleach she wants the white shrimpy meat

[@Jungle1048]

She wants two in the pink and one in the stink

[@nickminnie1623]

This is probably one of your most informative videos, a lot of great ways to save. Keep it up fam.

[@NateOBrien]

Thank you!!!

[@DanwilsonArchive]

Im currently an engineering apprentice so my salary is $1800 a month however my expenses are only $200 per month, so I'm able to invest most of my money into stocks and real estate.

[@sunshine-yr4qw]

$200 a month? What do you do? Live under a rock ? Lol

[@diegocastro9724]

@@sunshine-yr4qw lmfao 😂🤣

[@elka7823]

K S l probably live with hisnparents and spend it on food

[@monicasweer7253]

Wow.. where do you live? Here you would not get rent for less than $200 a week in a share house.

[@LalzJeNeSuis]

Thank you parents a lot, you are lucky !

[@kvdood]

I just asked my boss for a raise and he just laughed

[@Dan-ei2be]

@Robby Dey boy lost his respect when the boss laughed

[@LalzJeNeSuis]

You get a raise by saving : rent no more than 20 square meters (unless 3+ people), only buy a car cash, directly (for 1 to 5K), and don't go out often.

[@LaLa-qb2ps]

"If it wasn't for your laughing at me when you turned down my request for a raise, I would not have applied for my new job which pays three times as much as what I am making here. Today is my last day, just wanted to say goodbye and ha ha ha." Then smile and walk right out of the building. No need to work the full day as you will make it on the first day of your new job. Now go start applying like mad to any job that sounds appealing to you, including stay at home jobs, so you can get quit and get the f**k out of there. Good luck.

[@AkhileshKumar-fk3od]

I am 17, not even earning right now still I enjoy his videos

[@anjelom3018]

believe it or not, in this age with COVID-19 outbreak a lot of workers have been taking off, and so I kept working, and said "for this risk I should get a raise" jokingly but 2 days later here I am with 1,15$ more (: Ty Nate, would've never thought about asking if I didn't see your video

[@ーススペードのエ]

Here's how I used to save money on food: Go to the local store everyday and only buy food from the quick sale (food the are close to expiration date) I don't need to do that anymore because I'm at a financial point where I can afford to eat whatever I want

[@roroonthegogo653]

I love that he has a Dell Laptop lol most people have apple laptops. He really is conservative, I don’t feel so bad about my Dell laptop🤣

[@violetgirl1996]

Bruh Dell has the best super computer... Forgot their name but that new ultra computer ness

[@sct4040]

RoRo On The GoGo Dell will last 4-6 years, a Macbook will last 6-8 years. I had both. So, buy what you love.

[@bathtub_farter]

My macbook cost me a lot less than Dell. Windows is shitty os

[@keronwilliams5392]

@@sct4040 Still have my 2011 MacBook Pro and It still works like I bought it yesterday. Money well spent!

[@ARpirateant]

I have apple and Lenovo. My Lenovo was more expensive than the apple. Have had the apple since 2015 and just got the Lenovo for graphic design cause the apple couldn’t lol

[@klpinvestments]

I changed the way I drive my car. I'm light on the accelerator and use cruise control when possible. I go the speed limit and don't use A/C very much. I cut off engine instead of idling Saves a lot of gas and money over the course of a year.

[@shades_of_cool7178]

I started switching from prints & fast fashion to simple minimalist styles like you to save money I do buy lululemon occasionally as a treat (once month/every other month) but I switch it up with H&M and CK outlet and was amazed when I walked into a shop and the staff complimented my “effortless” style. Sometimes less is more. At 27 you inspire me dude to save more and be more frugal.

[@commonsenseamerican6702]

Saving 60% of your income is impressive! Definitely something a lot of people could learn from. I took a lot away from this video, thank you, Nate!

[@NateOBrien]

So great to hear!

[@aswatijose]

How to save 60% of your income: 1. Make more money (ask for a raise, side jobs) 2. Cut (the right) expenses (a) Optimize rent/food/transport costs (b) Cars are expensive (c) Track your expenses, then analyse and optimize (d) Spend on timeless pieces when it comes to clothes (e) Health insurance is a good expense 3. Create a budget 5. Automate your savings at the start of the month

[@SueEmmDee]

Live in a very simple way and be essentialist where you only buy what you need.

[@NateOBrien]

Exactly!

[@raeraedreamer5794]

Meal prepping really works 👍 people don't always realize the amount of money you can spend on food alone, when eating out. It adds up. Great videos Nate 😊🤘

[@__Ryan_]

I have a work vehicle so i dont even have car expenses. I shop at Aldis because its cheap and they have good food. Ill make pasta and meat sauce, and eat it all week. 5 days of lunch cost me $14. I never pay for haircuts, just buzz it. I had to move in with family to help them but it also ends up helping me because i pay 300$ month instead of the 700$ i usually had to pay. I can save around 65-75% of my income. I got a metro phone and save 60 more a month. Just lower your monthly bills. I still enjoy life the same i always did.

[@ArdillaINC]

ryan _ ethos this os great but make sure to always make a salad to go with that and at least one piece of fruit per day. Bananas and apples are usually cheap and kale last for a long time. I make my salad with cherry tomatoes kale and some dried cranberries ( completely optional) and drizzle some balsamic vinegar. Good job at saving 😃

[@sergiogonzalez6986]

First comment I liked on KZbin. I literally have done the same and continue to tweak my budget every so often to make sure I am on top of how much I spend . Its usually food or work out gear

[@Michelle-pn9xt]

Of course, you are saving money if you are living with your family.

[@Michelle-pn9xt]

@ The benefits DO NOT always outweigh everything else. It depends on your relatives.

[@PebbleBeachLife]

I bought 4 properties over the years and paid them off quickly whilst living a minimalist type of life. My friends lived in mansions and drove fast cars. Now I live off my rental income and save about 80% of my actual income. I still feel broke because I still need to budget on my rental income but it works for me. Glad I am not a sentimental person.

[@NegativeAccelerate]

Four Horsemen did you pay them off with your full time job?

[@NegativeAccelerate]

By what age did you havw them paid off

[@PebbleBeachLife]

@@NegativeAccelerate I initially paid them off with my rental income. Then I lived off my rental income and saved my actual income. I was paid off by the age of 39.

[@NegativeAccelerate]

Four Horsemen did you have any trouble getting your second loan? did your actual income cover the repayments or did you explain your cashflow plan to let them give you the loan. (I’m 16 and have no clue how this stuff works I’m just curious)

[@NegativeAccelerate]

Imma probably just ask a load of questions cuz what you have done is rly rly rly cool to me

[@arieskauhi]

Best way to save money...live with mommy and daddy.

[@Michelle-pn9xt]

He does not live with mommy and daddy, so what is your point? Have you watched any of his other videos?

[@leahmcdermott4189]

This is the best way. I’m 22 and I still live with mommy and daddy 😂. I save so much money doing this but then again, I’m still in uni and I don’t even have an income so 🤷‍♀️. I have no choice really but I have an amazing relationship with my parents and they are literally the most important people in my life, so I’m happy at home. I’m really grateful to them, they are amazing 🤗.

[@suelake643]

🤣😂

[@elka7823]

Leah McDermott find a job youre 22 and they still buy you food and pay your rent and your studies😂

[@diannathornton2911]

@@leahmcdermott4189 when I was 22 I was sooooo ready to get out of my parents house and make my own way. I was ready for my privacy and independence

[@loveimpressionz4727]

"Delete your food delivery apps" lol I don't have that kind of discipline. 😂😂😂💀⚰️

[@sct4040]

ever lopez We do eat out 1 per week. We order local pickup, and never use the overpriced APPs. Save about 1/4-1/3 the price and still feel like a treat.

[@phooongtion]

Damn...

[@LalzJeNeSuis]

I don't have the discipline to spend that much, suicidal finance x) Investing is hundreds thousands bucks within 30-40 years, investing is love.

[@funngames6847]

Its all about investing. Better to start young, with a small portfolio then watch it grow. Trying it myself, but i'm not so young anymore 😁

[@NateOBrien]

Yes!!!

[@gdaymates431]

@@smartcolonization9911 hahahahahha gold

[@TeamBiird]

im 23 and looking to start investing $500 per month on the S&P 500. Potentially other foreign markets to spread risks. With compound interest and assuming the growth stays around 7% I should be a millionaire for retirement

[@ferddoesweirdthingsinlife1040]

TeamBiird you can’t invest on the S&P 500. It’s not an exchange. Use NASDAQ or NYSE if you’re American.

[@ferddoesweirdthingsinlife1040]

I’m 15, and I started actively investing about a year ago :)

[@nicola-socialmediasuccess8687]

Really good tips! I will use these instructions to save more and reinvest it in my business

[@NateOBrien]

That’s what I like to hear! Thanks for watching the video

[@kiwiflare]

I genuinely love this video...I wasn't able to save enough to retire early and so I started an Amazon FBA business and started doing DoorDash part time, nearly doubled my income and now I'm able to save 75% of my income

[@drinthemoment]

Been subscribed for a while now. I think it's a great channel for all of us in our 20s learning to grasp financial responsibility while also trying to get ahead. Thanks Nate!

[@NateOBrien]

Thanks for supporting the channel! Your 20's are the time to set yourself up for a successful financial future!

[@dainahakes5748]

I’m so impressed with you Nate, being so young and smart! Enjoy your videos!!

[@WhiteBoardFinance]

Nice dude!

[@NateOBrien]

Thanks Marko!

[@2balikbayans-simplelivingn868]

Saved around 50-60% of joint income; now early retired & no kids. Great & sound advice.

[@CharleeWayne]

Everyone's budget and income is different. If you have the right knowledge and mindset the percentages don't matter.

[@lockhart1895]

Easier said then done in the meanwhile for the average joe the percentage is a no brainer

[@NateOBrien]

Percentage is a great way to start!

[@MegaMiir]

Get a restaurant side gig. That can cut down food costs bigly

[@NateOBrien]

BIGLY

[@markgaterbondifinancialguy3885]

That's actually pretty smart.

[@ericrogers5802]

Good video. One consideration for a future videos is taxes. For those of us who Live frugally and make over six figures, taxes are our highest expense. Life hacks for reducing taxes would be great.

[@Lisa.M.J]

Lifestyle inflation can be avoided by setting up an automatic deposit into whatever investment or savings accounts you have set up. However, this issue is a real struggle for those who enjoy societal trends, and easily succumb to social pressure to purchase things they don’t actually need. In such cases, one’s mindset and end goals are key. People need to feel deeply connected to their personal “why” or else they’ll lack the drive necessary to make even the slightest sacrifice in the present moment. I think this was the beginning of a great conversation about money. It really helps people to see how those with larger incomes view and treat their earnings. Thanks for sharing.

[@NateOBrien]

Thanks for the input lisa. Societal trends cause many people to stay broke

[@kathi.165]

One thought on commuting an hour to work: For me, it’s the cheapest option there is, I still live with my parents and to go to work I have to take the train. Of course I could get an apartment in the city, but that would cost around 50% of my income, if I were lucky enough to find a cheap one. So commuting longer to work doesn’t necessarily mean that you spend more.

[@elusivelogic6704]

12:55 A jar of pickles valued at $3.50 is the key to happiness!

[@Jaiflyy]

He protecc, he attacc, but most of all, he stacc

[@Noah-tq7bi]

Great tips man, I had to smoothly smash that like button for ya 🙏😂

[@NateOBrien]

Ever so gently, thank you. Don't want anyone breaking their keyboards

[@violetgirl1996]

@@NateOBrien yea, save that moolah

[@ladybird491]

How do you monthly grocery shop without a car? Do you live near a grocery store? Or do you get like an Uber to the grocery store every month and do a monthly massive shopping so you don't go back until another 30 days. I live no where near a grocery store 😡 so the Uber cost would be high. I just did the math and if got rid of my car I would save at least $1000 and that is not counting the gas, tire changes for winter and yearly inspection. 😲 I remember when me and my husband had one car and a cheap but decent apartment (rented) we had more money. I am no longer eating out, I am doing all my grocery shopping once a month, and I am wearing a nice wig for some weeks to cut back on hair salon trips and to grow hair out. I have been struggling for a year now to get back on track and your videos have been helping me. I am also eating like a stoic for now on and prepping meals for 4 days at a time at least.

[@mihaelapascu4484]

I saved so much on food and not buying pretty much anything except books since this pandemic. I realized that it is more important than ever to be balanced, avoid any excess and somehow keep it simple. I am grateful I got to keep my job and also asked for new projects so I could win some more money.

[@ZacharyLaid]

Honestly I got a massive chipotle problem, I always need 3x steak AND Guac, my bowls ain't cheap brah

[@NateOBrien]

You’ll get there. I believe in you

[@WhiteBoardFinance]

lol

[@whattime9789]

GTFO

[@influencerunchained-digita4763]

This is really cool. There are *SO* many little expenses that people just overlook. Being cognizant of and/or logging one's expenses can really help! Thanks for the video!

[@NateOBrien]

Keeping a budget is key!

[@bakgammon]

Just like pennies, it all adds up.

[@influencerunchained-digita4763]

@@bakgammon yep!

[@Warhammer-e4n]

loved the video. thanks

[@bradc7002]

"They just look like a fool" savage 😂 11:18

[@NateOBrien]

You know it’s true though

[@alexanderkis9041]

You are really an inspiration . I am 24 yo old, but you are smarter than me. Going take some of your advices. Keep going, you are a really decent person.

[@Laura_Devine_333]

Good stuff! The link to your budget templare is broken, any chance you can send or repost?

[@bubsandteeks]

I cut down on my eating costs by meal prepping! It is so much cheaper, faster, and more efficient. Definitely going to check out some of your other tips!!

[@NateOBrien]

Yes!!! Love it

[@Tuck31]

Polar Barb i agree with you 100% about food prepping which does make it a lot easier to do and you know you will have your meals already set for that week!

[@realbobbyaxel]

Please make a video on every single expense you have, in detail

[@adrianesquivel7765]

Lol wtf

[@newbeginnings9457]

I cook almost every day, go to Grocery once a week and eat only once a day! I also run 4 days a week! 3 meals a day is wasting money because most people don’t need that much food!

[@jcf8201]

I really enjoy and benefit from your videos. Thank you. I almost ordered doordash today but I thought of you and made a healthy meal at home instead. 🥰

[@williamkinnane1606]

I've been preparing meals for quite some time according to your recommendation. It works!

[@NateOBrien]

Love to hear it!!!

[@RealLifeMoney]

That’s how you can create some serious wealth! Nice savings rate man! I’m around the 50% mark 🤗

[@NateOBrien]

Congrats! It only gets easier as income increases!

[@strawberrycheesecake7912]

I'm on 20%😔

[@justinblount5033]

It’s impossible to save 60% of your income when you’re spending 50% of it in rent.... 😢

[@adrian3747_]

Ive been saying this!!!!!!

[@miabellisima]

How to save 60% of your income: your income should be at the amount that 40% is all you need for you needs and a few wants. Which is hard if 100% of your income is barely enough for your needs specially for a family

[@ghanim1000]

I suggest that you move to a different place that is affordable for your money and can allow you to save.

[@kellyac6410]

Bobby _ I moved into my vehicle 😎 Shower at the gym, use free WiFi hotspots, got a portable battery bank and charge it at work 👍 Buy fresh foods everyday. I’m saving 90% of my income 😎

[@justinblount5033]

I work and live in Boca Raton. I have no car and no form of debt. Even though I work full time and my wife works part time it’s still very difficult. I’m in biking and walking distances from work so it makes no sense to move further away only to go in debt over a depreciating car.

[@ShaunTrillo]

where i live you'd generally pay $240/week for a tiny box studio unit vs $460/week for a 4 bedroom house with a yard and space to stretch out, split 4 ways with flatmates, living alone is a very expensive luxury. Car insurance is very expensive in America vs New Zealand where I pay $59/month for full coverage on my 2012 Toyota. That's $38/month in USD. A lot depends on where you live. Having said that you're very clever for your age, great videos, subscribed.

[@RuthAnnNordin]

If you're in a state that will allow it, get an older car where you don't have to pay taxes on it anymore. In Montana, they will let you have a permanent plate if the car is over 10 years old.

[@destinyalexander7499]

Hello Nate, I am about to graduate college in December and I'm 22 never saved before your videos have helped me decide how to save and keep the debt away. When I graduate will have Zero debt. This is going to help when I move back home.

[@michaelbriandavidson]

Hey! Great video, can't seem to find the budget template?

[@Storesdavidal]

Thanks Net For All Your Informative Videos.

[@bronsonholbeck]

great video, but the points about housing and commuting to work kind of contradict, living farther away and driving an hour to work usually equates to a more affordable rent as housing prices are much higher the closer you get to major employers, so to say move within walking distance to your employers is like saying increase your housing expense by 50%-100% for the majority of people

[@BeyondBenjaminSeda]

Yeah but an hour commute to and from work everyday is 2 hours a day x 5 days = 10 hours. You can work an extra 10 hours a week, start another business, or do anything else with those 10 hours. Time is infinitely more valuable than money.

[@Trehugindrtlvr1]

If I lived in the town I worked, I would have had to rent mortgage at least $100K. But by moving an hour away, I paid cash for my place - small, but on a big plot of land that could be used to make money some day. The only house expense is

[@nikkiperdiz7058]

Would love to see a video on how you budget, as well as more videos like this. We can never hear enough when it comes to this!

[@Sunset.Rising]

I think it's a great idea for a two-income household to live off one salary and save the other salary. Thanks for the suggestion. I've never heard anyone else mention saving money this way.

[@MarshmallowHumor]

I appreciate your perspective and your face

[@bradc7002]

Nate O'Brian hint hint mate, HINT

[@davidbrooks8809]

I Save 40%of my income..I bring home $750.00 after that.. I'm doing great

[@nitanice]

Basic life skills: cooking, sewing --- you don't have to be a chef! Just learn how to cook the things you like. Living close to work has always served me me well. You give great basic advice. I disagree on the health insurance, but it's because I think you should spend your time getting a better health care system. Make our system better. Focus energy better.

[@WOUUUTT]

how do you feel about money manager apps?

[@ginnerpig5928]

Great content in your videos. My father always told me, buy what you need and save for what you want.

[@NateOBrien]

Yes!!

[@srikala90]

A succint summary!

[@watertommyz]

Not just going out to eat, but snacking as well! Not only is curting out snacking completely healthier, it'll save you some money as well.

[@pasolero]

Hi. I signed up to receive the free budget template but have yet to receive it. Where can I download it? Thanks for all your informative videos.

[@daves-selfie-wilderness-raves]

I make $26,000 per year and can comfortably save 40%. It's discipline, plain and simple.

[@davidfoust9767]

What do you do for housing?

[@Andrewchua178]

Doing some financial changes this upcoming year after following your channel for awhile. Agree on the big 3! Selling off my Mercedes which I don’t really need for the moment.

[@chrisbell2783]

Look into direct pay healthcare if there is a clinic near you. It costs 70-100 per month

[@NateOBrien]

Appreciate the input!

[@alexischu7057]

I’ve definitely not bought pickles when I see that they’re $3.50 🤣 I need to learn to live a little.

[@sangeethav4674]

You can always make pickles on your own if you love to use pickles, its not that difficult

[@edventures9884]

What kind of gel do you use? Hair always looks on point! haha

[@NateOBrien]

Right now I'm using some incomprehensible brand that I picked up in Mexico. TSA took my other hair gel :(

[@ivettecolon4562]

Thanks so much nate keep in mind ...very nice of you. In sharing your best interest ....love it

[@monicasweer7253]

Nate is that saving based on gross income or after tax income?

[@motavice3499]

I make the same amount a week which comes out to roughly the same amount a year 21,600 (not including overtime and this is after taxes) i currently save 30% and by next year it will go up between 50%-60%. We have zero debt and already have a 6 month safety savings for all of our bills which feels so good! Be aware of where your hard earned money is going and why you have so little saved!!

[@NateOBrien]

Wow that is truly incredible! Congrats

[@suelake643]

I live near work and grocery store like Walmart or target etc, so my biggest expenses are housing, food and trying to cut out o travelling out of country to once a year, so its housing ,food and travel, since I love traveling

[@PokeMomm]

Low key... potatoes and eggs are awesome...

[@veenaramachandran3480]

thank you for all the wonderful information.really helpfull

[@miabellisima]

My biggest expense is obligation to the family. My personal expense haven't increased much over the years. My parents didn't prepare for their retirement so I provide for them. Some months I can save more than 50%

[@jessicalizarraga5632]

Im 18 saving 80% rn

[@JennyZibreva]

it's easy to save 80% when your income is 0 :D :D

[@csick11]

Theres absolutely nothing wrong with the video and knowled that your sharing. In life you have to absolutely live each day like it's your last. Saving money is good but if we focused too much looking 20 years ahead! We lose sight of today. Have balance and appreciate the time you have now. Saving money is wise but wasting half of it away by looking too far ahead is not healthy!

[@ablemad1]

Spending it right now doesn't mean you'll be happy either... The dopamine you get from eating on a restaurant or buying stuff is the same as you can get by saving it or paying off debt. So it's possible to get both the benefit now and later at the same time.

[@asb2608]

i’m glad i’m not alone on this journey

[@NateOBrien]

Woooo

[@kensterzaneify]

My employer offers direct deposit so I have 2 small automatic deposit into savings accounts and the remainder to my regular checking. It's the best way to save in my opinion. Second is making your own coffee and cons brew.

[@KWeisInvestments]

Great tips. Cutting down on the big three helped me a lot too.

[@NateOBrien]

Thanks! Big wins

[@JesusCervantes-vl4mb]

Asks for a raise Boss- get out Me: :(