How I Saved My First $100,000 (My Formula)

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Chapters
00:00 Start Here
01:28 Make a low income for a long time
02:42 Make good decisions at an early age
05:54 Save all extra money
07:16 Create a savings plan
08:12 Be frugal
09:05 Take advantage of free money
10:10 Be more aggressive as income increases
11:16 See and seize opportunity
12:58 Invest
14:26 Looking at my own situation and making it work
In the past four years, I have gone from $0 to $100,000 in savings and I did it on very average incomes (no more than $55,000/year). In this video, I explain 10 things that helped me save my first $100,000.
1. Make a low income for a long time
The first thing that helped me save $100,000 was before I started making a high income, I was making a very low income for a very long time. Earning a low income forced me to learn the value of a dollar, how to stretch money, and how to budget. And because I had these skills, once I started making a higher income, I was able to save at a much quicker rate.
2. Make good decisions at an early age
Something that holds people back or helps people get ahead financially are the decisions they make between the ages 20 to 30. I made very good decisions in this phase of my life like not taking on student loans, avoiding consumer debt, and developing good financial habits. These decisions allowed me to focus on financial goals rather than financial burdens.
3. Save all extra money
In life there are moments when you receive extra money and one thing that helped me reach $100,000 much quicker was acting as if I never received this money and saving it. I was able to go from $5000 to $20000 in a matter of months because of this extra money.
4. Create a savings plan
My first adult income was $48,000/year and when I received this income, I had never made anything close to it before and I wanted to maximize my savings rate. So I sat down, wrote down my expenses, subtracted it from my income, and determined how much money I could save, which allowed me to save at a very steady pace.
5. Be frugal
I was able to save a lot of money despite having an average salary because I lived a frugal life and kept my expenses low. Frugal living is a great tool that allows you to save at a much quicker rate.
6. Take advantage of free money
Over 20% of my $100,000 was actually free money because a huge chuck of it was from my employer match. If you get a match for a 401k it is important to take advantage of it because it is free money.
7. Be more aggressive as income increases
The next adult salary I had was $72,000, which was a drastic raise from my past salary. And when I got this raise, I decided that I wasn't going to increase my quality of life and instead save 100% of the extra income, which allowed me to save at a much quicker pace.
8. See and seize opportunity
Getting the huge raise and starting to make $72,000 was a very unique opportunity in my life because I was on a contract and I knew once the contract ended that I would be making less money, which is why I was so aggressive with saving. Opportunities don't come around that often, but when they do it is important to see and seize them.
9. Invest
Over 80% of my money is invested in the stock market, which has passively grown my money over time. In order to reach $100,000 it is important to get that money to work for you by investing in the market.
10. Looking at my own situation and making it work
In this video, I explained how I saved my first $100,000 and my story is unique to me and many things might not apply in your own life. Instead of comparing your saving journey to others, it is important to look at your own situation, decide what's possible, and make it work.
**This video is intended for entertainment purposes only, none of it should be interpreted as financial advice. Links above are affiliate links where if you click and order, I will receive a commission at no cost to you. **

[@ElAgustin]

Stop data brokers from exposing your personal information. Go to my sponsor aura.com/austinwilliams to get a 14-day free trial and see how much of yours is being sold.

[@azieltobias]

I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 58, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.

[@Gallo-firestone]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@mellon-wrigley3]

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

[@lilyhershey1]

​ *@mellon-wrigley3* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@mellon-wrigley3]

"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@disney-hefner]

Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.

[@thinktankpolskathinktankpo9883]

As a debt collector with 15 years of experience, I must say that your content on YT is very much needed

[@TheTigerlily86]

I 💯 agreeee

[@fafa1648]

As much as I respect Austin's content and think he is a great teacher, it will take a lot more than his content and similar to change anything. 95% of people are consumption robots, sadly, or even worse they have a situation (kids, etc) where debt cannot be avoided. Most people view money and are taught in the U.S. educational system to view money as not a tool, but as a way to consume as much crap as you possibly can over a lifetime.

[@blogdesign7126]

@@fafa1648 The other problem here is that Austin's content gets put in the same category as "Get Rich Quick" gurus telling people to invest in shady stuff and live a lavish lifestyle I seen Austin's stuff and agree it is good.

[@GigaChad_169]

@@fafa1648 BINGO. People view money as a means to hoard material possessions, not as a path to freedom.

[@schuylergeery-zink1923]

I knew these principles but we had 5 crises all in a row in the span of 2 years and didn’t have enough emergency savings to cover it… this was two and a half years into my first full time job so I had a good start but it wasn’t stable yet… (health condition, sister in law died and had to manage her probate estate, took guardianship of her teenage son, bc I prioritized my family that my workplace fired me, all during a pandemic and so I became underemployed as I couldn’t find a full time job in my career field - I’m a lawyer btw). It took us until this year to recover. I went through bankruptcy last year and we’re finishing paying off the IRS, my husband’s type 1 diabetic medical debt, and the small loan we took on a high mileage 2006 Toyota Prius commuter car. We’re almost done and can really rebuild that emergency savings back up and restart retirement investing. So even though we were doing well at one point, only true financial independence/brokerage investments could have protected us from that onslaught. A standard emergency fund wasn’t enough, unfortunately. Now I hope that unlikely deluge wouldn’t happen to us (or anyone oh god) again but I’m eager to stack wealth to ensure it never happens again. My point is not all debt is taken because of mindless consumption. A lot of people go through tragedy and use debt as the means to stay afloat. Debt is bondage and it’s meant to keep people down. That’s why I was happy to go through bankruptcy - it was one of my best financial decisions, given our predicament.

[@nicolasbenson009]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@Suleferdinand]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@SandraDave.]

This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

[@KarenLavia]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@GeorgeDean-km3wm]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@KarenLavia]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

[@_Feed_Me]

In 2022 my boss text me (while I was cheaply cutting my own hair), saying I was being given a 17% cost of living raise, and I think I got even more frugal. Don’t recall adding any additional expenses to my life.

[@mybdayis420]

congratulations! heres to another $100k 🎉

[@Delthalaseiden]

I am at 54,000 I still have a long way to go, but I hope to achieve it in 3 years. Thanks for sharing

[@pottacoola]

depending on how much you save and where you put it, it might be sooner than you think.

[@asavannah7439]

That's also a lot 🎉

[@williamrice4608]

Just make sure you don't allow the wrong people in your life.

[@trialanderrorbym.f]

​@@williamrice4608great point 👉

[@robertmorris2576]

🎉 that's about where I'm at. Keep going :) 🎉

[@lifewithbakari1413]

It doesn’t matter how much you make it matters how much you keep

[@ElAgustin]

Exactly!

[@asavannah7439]

Our friends made triple our income last year but we saved more 🎉

[@philliproberts7294]

Exactly how much you save then invest i know people who earn double and live pay to pay

[@asavannah7439]

We saved about 65% of our combined yearly income.

[@justinhunt4767]

Fax

[@Andreyatl]

Great vid and channel !As an immigrant I was working 3 jobs living in motel 4 years the only "furniture" was my sleeping bag :) but purchased my first house with saved money ,paid cash no mortgages.And looking back I'm glad I was so poor and didn't have eyes bigger than my stomach

[@brendamiranda3732]

Congratulations on your journey! You’re an inspiration 🌞

[@daodejing81]

I agree. It's not about the quantity of wealth but about the wisdom, the strategy. I have done the trip to $100,000 many times. The trip is easy if you are disciplined and diligent.

[@eveliinalt]

I think the first 100k is the hardest (still working on mine)

[@daodejing81]

@eveliinalt The first of everything is the hardest. Think of it $1000 at a time, and focus on the $10,000's. Before long, you will be far along on your journey and within eyeshot of your goal. You'll get there. Use this wisdom in all aspects of life. It always brings success. The big is the result of the little. So, tend to the little. The very best to you!

[@tlapace]

I like how he includes all his sources of savings including, "free money".

[@Beeannks]

Congratulations! 🥳 I started frugal financial at the beginning of this year. Prior to that I would spend money and waste it. I decided I was going to go as frugal as I could with my money and set a goal of saving $10,000 in three months. Well this is the third month and I achieved my goal. It is the first time I’ve ever saved that much. I’m low income in Australia and paying off a mortgage by myself. I’ve been working 6 days a week and only spending money on bills and as little as possible on a food shop. All excess money goes straight to savings. No spending on anything else. It can be done but depends on how much you are willing to give up to get there. I’m going to continue the goal of $10,000 every three months and can’t wait for my first $100,000. 🎉

[@cyoishi]

Congratulations Austin! Quite an achievement to reach the $100K in only 4 years. Nicely done.

[@chrishart8548]

I don't even get that much after tax in the first place. £1800 a month

[@gosiaq87]

It is soooo easy ❤ in this month I bought only food a bus ticket and of course paid my bills and mortgage and I have £900 in my pocket ! ❤

[@user-ej7zv5ff4r]

I have watched two videos of your channel... literally found out about your videos today. I am already a fan. I LOVE how brutally honest you are. New subscriber. I am very inspired.

[@ExplorationB]

Another tip is not to necessarily "look poor" but shop poor. That is, buy clothes at the outlets and plan purchases so you're ready to buy at a more acceptable price. I have royal doulton (sp?) dinner sets, $1k Italian suits, and leather shoes all purchased for Kmart prices. Buy once, buy well, and buy on sale. I absolutely agree with you on all this. I bought a modest sized apartment in a beautiful building for half my borrowing power and will pay it off in 8 years with an emergency fund if I need it. The feeling of security I would never trade for my 20s lifestyle of party party. Loved this video.

[@Luncheon23]

Congratulations 🎉🎈and thank you Agustin. This is the impetus I need. Still far away from $100k or an equivalent sum where I live, but I needed the inspiration to be more frugal so I can save like you did, too 😊

[@trialanderrorbym.f]

It's the clearing throat for me before the announcement 😂😭anyway El Augustin congratulations 🎊 🎉u deserve it,u work hard for it.I don't know why i feel like u gon make it to one million, because u good at what u do.

[@dianncotterell5531]

I love all of your videos. You sprak so calm and it makes me feel relaxed when I'm having a stressful day as well as feeling imspired to save tomy first $100,000.

[@Shelley6821]

YES!!.I am frugal but still do things I enjoy....wish I could get my husband on board! He makes good money but spends most of it and refuses to even compare prices on things!!! 😞

[@carolannstevens5814]

That is a marriage problem not money problem.

[@christiankarganilla3396]

Sounds like my wife.....if only they could see smh

[@Shelley6821]

@@christiankarganilla3396 I wish!!

[@frithar]

CHEERS!! I love your channel. You make me feel like anything is possible!

[@ElAgustin]

Anything is!

[@1986Ster]

Well done Agustin!! I hope all the best for you!!

[@user-jp8fr7xw6z]

Wow, I think this is the first yt video on finances I've seen that is based on a realistic outlook on life. Thank you for your transparency and acknowledging the times you got lucky as well as talking about what it takes to make your life's circumstances work for you.

[@taylorcoley6329]

I’m at $5500…. Yay. I guess.

[@danicegewiss862]

We paid off our last debt last year...our house, so now we are building our fortune. We have a good retirement set up and arent ready to make that step. We like to work, we just dont want to work for others, so we're setting up a business in western PA. We live in eastern PA. It's costing a lot of cash to do this so our savings is wobbly.

[@devilchats9528]

Very informative. Thanks for sharing your experience. I am learning a lot from you.

[@sandrabryan9106]

Congratulations! I too have hit that milestone. 🎉 Very good advice.

[@debt2none]

Ummmm yeeeessssss sir!!!! I love this! Congratulations Austin!!!!🎉🎉🎉

[@TheTigerlily86]

I needed tbis advice Agustin thanks much

[@TheTigerlily86]

Congratulations ❤🎉🎉🎉 thank y for sharing this to everybody. 🎉😊

[@mr.honoraryboomer]

Congrats amigo. 🎉

[@user-hw9vf4pl9s]

Congratulations Austin so happy for you!!! You will be a millionaire before you know it. I am so glad you bring your wisdom to us 2x a week I wish more young people would find your videos and soak up all your knowledge. You are a great role model for not only the youngins' but us oldies but goodies too : )

[@Lbbdavis]

Inspiring! I am currently 32k (not including my roth) towards my first 100k on taxable account! Keep up the good work!

[@patriciakochanek4959]

Congratulations Austin!!! Good for YOU!!! Now watch it snowball!

[@kristyosborn5102]

Thank you for being a financial inspiration. Cheers to your success…👏👏👏

[@Sapientiam]

Congratulations 🎉 I myself made it there, and more, in about 10 years or so i believe. And im on welfare non the less 😅. I have been selling my items for many years now, which payed off, literally. 😊 So i guess if youre strong enough, motivated and you have the spirit to do so you will be able to make it. I would never ever have my money in stocks, as i dont like to loose money or possibly pay up😂. Las Vegas isnt for me to say the least😅. Saving money is all there is to it. Get money in, save it and be careful with what you spend on. No car (walk or bicycle), no more debt/loans, pay only with the money you actually got, make your own food, get stuff for free, buy at second hand stores, return items in stores: that where damaged when you bought it (complain on the product to get money back or another item)/ or return items that still has tags on, no makeup or other non essential items, sell the items you dont need and dont want plus get stuff that others dont want or need to so that you yourself can make a profit out of it. This is what helped me. Hope it can help others out there.

[@Andre-qo5ek]

thank you for the transparency. you definitely had some fortunate events. but luck is where preparedness meets opportunity. and you definitely prepared yourself. good job

[@AT90963]

Congratulations! Thank you for your transparency.

[@MadisonBriggsArtchick]

Remarkable, Austin! Good for you being tenacious in keeping your lifestyle below your income and having patience to grow your money conservatively!

[@dinagalall]

Congrats! With that money working with you, you will get to 200k in no time. 🎉🎉

[@ricci_rich]

Congratulations on your first $100K. You are an inspiration to many. 🎉🎉🎉

[@bcat8619]

Congratulations! Wonderful advice!

[@nomencalatus1]

Something is not adding up. He said he got his raise from 48k to 72k during COVID yet at the beginning of the video he shows he never made more than 55k and never showed a salary of 48k. Hmmm 🤔

[@phamhuynhminhthu5629]

Well if you listen carefully at 11:58 he said 72k was a contract job, so it’s just for a period of time.

[@cinna640]

Moving 2 kilos of coke adds up

[@MyMy-bj7de]

Congratulations 🎉❤ 😊 You worked very hard at sticking to the plan and it paid out. Thank you for sharing what you've learned.

[@simransidhu617]

Congratulations man !! Well done 🎉

[@megaera2988]

I love your approach !!

[@LisaSimplified]

Thank you for sharing this information.

[@ElAgustin]

Thanks for watching!

[@plappin]

Very inspiring! I'd love to see a video about your goals: Other than a successful KZbin channel and some financial independence, what are you hoping to achieve on your journey?

[@UKBornin1971]

Congratulations on the milestone 👏🏾👏🏾👏🏾👏🏾👏🏾

[@najihahyussof]

Thank you for being so transparent regarding your finances 😃 I love all of your tips 👍🏻 Congrates on reaching your first $100k 🎉

[@pottacoola]

Congratulations! Keep on going, apparently, it gets easy from here.

[@adrianrackham9807]

Austin offers practical, sensible advice regarding finance in a very entertaining way. He is not on KZbin to fix everyone's life problems. Keep doing it Austin.

[@yumicrisostomo3094]

Thank you, really great video

[@leeallsopp5152]

Congrats Austin! Well deserved and excellent frugality to get there… I’m working at it 😎

[@juliemarkham4332]

Congrats! Yes, it is a testament to how we spend vs. save our money. Great video.

[@suymiller]

Congratulations Agustin🎉

[@denisepanzarella2833]

Austin you are an inspiration to low - moderate income earners! (even at my age)

[@kmcdono1148]

I am in my 5th decade and find your advice very helpful. I like your humor and thoroughness. Keep up the good work!

[@videomgs]

Congratulations on your first $100k! A great testament to making good decisions and dedication to saving and investing. What I love about your situation (or anyone) in reaching a financial goal is those dollars are invested and hard at work growing and making even more money all on their own. It is achievable if we all stay focused on making smart financial decisions. And your videos really do a wonderful job of helping anyone who watches to make better decisions. Onward and upward!

[@NaxunBauAllu]

Great work and great job!

[@Kyla94934]

Congrats!! I just passed this milestone too but it's spread amongst my retirement, tfsa, etc. So my total is just over

[@shanishine38]

Congrats, Austin!🎉

[@elizas4370]

I started watching this channel not long ago.I really like your content. Keep up the good work.

[@ElAgustin]

Welcome!

[@Matt-km3po]

Congratulations young man. Keep up the good work and thank you very much. From thee biggest waster of all time! I’m changing because of your videos. Thank you thank you thank you!

[@lindsay3793]

Can you do a video about your brokerage account? What is it? Does someone run it for you? How much do you pay them? How do you shop for one? Is shopping for one even a thing? What is the difference between an IRA and brokerage account? Thanks and congrats!!!

[@vchandrapete]

Congratulations! You’re an inspiration! I wish I had your street smarts when I was your age. Well done! 🍾🎉😊

[@catdog4776]

It's true about making the most of a low income. Helped me develop frugal habits so i didn't fall into that lifestyle creep trap when my salary nearly tripledin the last 4 years during Covid. Im also frankly overpaid. Now I have a house and comfy nest egg/emergency fund for when my contract ends soon. I'm risk averse so still some time before I'm brave enough to get into investing.

[@Thug_Nose]

3:29 , how did you go to College without student loans, did you have a scholarship? I used the GI Bill from the military, super helpful and saved me thousands upon thousands of dollars

[@karenl7493]

Congratulations 🎉🎉🎉

[@Revert2017]

Congratulations!!!!🎉

[@gBalldevelopmentllc]

Congratulations - I'm trying to get there!

[@williamrice4608]

You need to make that money work hard for you. That's how I got wealthy. That's in addition to what you are doing. You are on the right path.

[@anekaewers3586]

Congrats. I love your videos

[@user-sf5hc8ky4z]

Congratulations! 🎉 Is it gross or net salary? If it's gross, what is your net salary? Due to a promotion I will be going from a $60 399 gross salary to $74 180 in october. I will also be getting backpay starting with October 2022. I'm a canadian federal employee. I will start with paying off my credit line, then I will live more frugally and responsibly (to save and invest the rest.) I'm 45 and I can retire with a full pension at 58. My house will be paid off by then. I'm going to try to do it in 10 years instead of 15 when my mortgage renewal comes up. I think my retirement will be sufficiently comfortable.

[@ordinarygg]

Congratulations!!!!!!

[@Chinchillin-bro]

Bro I am so close! You motive me! Congratulations and thanks for the videos! You are awesome!

[@ElAgustin]

Best of luck!

[@rodrigosalazar1766]

Nicely done

[@avenj4659]

Great video Only point of contention is using the 20 to 30 age group as a starting marker. I’m 46 and only in the last couple years started really focusing on saving for future. And since I’m debt free I know I can achieve my version of financial success with all the wonderful principles you and others in this space are sharing Just remember your viewership is not just your age group 😊 and we can learn from our mistakes and do great 😊 ❤❤

[@GigaChad_169]

Mid 40's is kinda late to start being serious about saving. Reason why is the effects of compound interest over time. Someone in their 20's and 30's has 30-40 years of compounding on their side where as you have less than 20...just saying. Congrats on being debt free and focusing on your future.

[@MarianaVHernandez]

Love your content! Could you do a video on the best ways to invest your money? I honestly have no idea where or how to start. Every video I see is just like "invest your money" and I’m always wondering… ok but how ?

[@jacc88888]

He did mention the name of the fund he invests in recently I think on another video. A Charles Schwab index fund I think.

[@untouchable360x]

I saved my first $100k by not doing cocaine for a few months.

[@silkorsalt]

This is not funny but also funny

[@rebacarmack8335]

Congratulations!!!Wow- 4 years with low salaries- that’s pretty awesome

[@bright6200]

Im so happy for you!!!!!!

[@har0ld551-hn6fm]

Austin great video, I' m 50, retired a while at 45. 1 have 35% of my capital invstments in an IRA. 25% in index funds, and the balance spread across other investment acts. in cumulative of over $ 5M. I receive income from my rental properties too. Zero debt and all is going accordingly.

[@Churchillhump2268]

indeed, most people downplay the roles of financial advisories until burnt by there mistakes. Productivity is optimized and keeping up to date strategies and analysis makes it more lucrative. I've been able to navigate the volatilities and scaled up 80k from 20k with professional

[@har0ld551-hn6fm]

Honestly this cannot be overemphasized, helping people mitigate unforseen circumstances and mistakes It's always good to have a financial plan

[@V.stones]

But really how do you guys do it?

[@Churchillhump2268]

And advisory firm can help, it is compromised of a group experts.

[@Churchillhump2268]

A good one is "Folmar Advisory" Been working with them for 4 years now

[@marcusfieldfield4069]

Congratulations Austin on approaching 100K subscribers... I knew you would be successful on KZbin your content is so relative in today's crazy economy

[@Jonnaberg]

This is awesome!! Way to go!

[@eldersprig]

Interesting that more of your investments are in your taxable accounts rather than the tax deferred accounts. Testament to your low salary + high saving rate. Congrats.

[@davidreddington2842]

Keep well austin what a superstar you are d reddington uk

[@user-um8pz5fl5c]

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

[@user-um8pz5fl5c]

she's mostly on Telegrams, using the user name

[@user-um8pz5fl5c]

FXMILLER19 💯.. that's it

[@MindBenderMav]

Great content thanks for sharing

[@noreenn6976]

Congratulations!

[@caroc8290]

I sincerely applaud you!❤🎉. I’m saving my money as well 😅.

[@cherylvargas8861]

Do you count in the 401k?

[@irmamundungu2723]

How can i get a s&p index fund

[@amarashy7013]

The wayyyy I did NOT expect that introduction 😩😂😂😂 I rewatched the intro four times 😂😂😂 Ahheeemmmm and congratulations now I can carry on to watch your video!!!!! 😍🥰

[@kimF499]

Congratulations 🎉

[@eljaguar4789]

You're the man

[@Susanhartman.]

Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 15 months and l've accumulated over $700K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.

[@91ScottieP]

Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.

[@mariaguerrero08]

I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over 1.5million.

[@mikegarvey17]

@@mariaguerrero08who is your advisor please, if you don't mind me asking?

[@mariaguerrero08]

*Gertrude Margaret Quinto* maintains an online presence. Just make a simple search for her name online.

[@ThomasChai05]

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

[@bibiblocksberg2081]

Congratulations! Just curious: Does this include retirement savings?

[@ElAgustin]

I mentioned it in the video...yes.

[@psychologie1054]

Do you put extra money aside for a new used car in maybe 5 10 years? I'm struggeling with myself on that point.

[@moonboy5851]

I got to $100k net worth investing aggressively. Well done saving it.