How I Saved My First $100,000

[@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.

[@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.

[@mybdayis420]

congratulations! heres to another $100k 🎉

[@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.

[@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]

*Izella Annette Anderson* 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.

[@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.

[@backseateats9513]

I have 100,000 saved it gives me nothing 😢 I feel more worthless and now I been jobless a year

[@JenniferDavis7630]

Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as stock, EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE

[@debbygradley25]

The methods are challenging for the average person. They are typically carried out successfully by experts with a high level of ability and expertise in such trades.

[@danieltaylor--65]

True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.

[@Angelinacortez495]

That makes perfect sense because you seem to know the market better than we do. Who is the mentor?

[@danieltaylor--65]

'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@donaldwayne7023]

She seems to be a well-read and intellectual woman. I found her website when searching for her online; I appreciate you sharing.

[@tlapace]

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

[@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

[@brendabeelee]

Congratulations on your journey! You’re an inspiration 🌞

[@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

[@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!

[@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 :) 🎉

[@V.13-m5h]

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.

[@Suntz_u]

Net worth truly snowballs after $100k! Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE!

[@Mitch10bands]

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to my FA, my portolio is doing really great and im proud of the decisions i made last year.

[@greekmom]

Nice. People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $1 million portfolio, largely from early investments in AI and other growth stocks.

[@TylerofSc004]

I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.

[@greekmom]

Kristin Amber Landis is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@TylerofSc004]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@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

[@dianncotterell5531]

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

[@backseateats9513]

I have 100,000 saved it gives me nothing 😢 I feel more worthless and now I been jobless a year

[@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. 🎉

[@backseateats9513]

I have 100,000 saved it gives me nothing 😢 I feel more worthless and now I been jobless a year

[@flyorraofficial]

Saving $10k in 3 months and having a mortgage in Australia is not "low income"

[@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.

[@emilyfreddie2420]

Great video and very straightforward. I don't see any other perfect time for one to invest in crypto and trade than now. I don't think that buy and hold is a valid investment strategy anymore but trading is worth it and you make more money when you trade correctly. just made my first $100,000 in crypto and I barely know how to express how happy and excited I am right now. Its all about knowing what strategy to apply and when.

[@shommagdalene4543]

Am a newbie in crypto investment, please can you guide me through on how you made profit?

[@emilyfreddie2420]

As a beginner investor, it's essential for you to have a mentor to keep you accountable. Cora James is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessment, ensuring my trades decisions align with market dynamics for optimal returns.

[@KamilHassan-um4xo]

I am a new member, where do I find Cora James??

[@emilyfreddie2420]

The digit below is used by her to interact with Whtapp 👎

[@emilyfreddie2420]

+186

[@untouchable360x]

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

[@silkorsalt]

This is not funny but also funny

[@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.

[@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 😊

[@josephinedevaraj3556]

Hi Austin, fellow RPCV! Love your content , so calm and clear , good tips. Wish I was as smart as you after my peace corps time in Jamaica 1998-2000! (Alas, there was no KZbin and the internet was just starting to change the world…) I am going to share it with my family and friends . Appreciate your content and frank sharing . You are still changing lives one KZbin video at a time . Keep it up!

[@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!!

[@Joshuamen9]

I currently met a new gentleman, and he is the same as your husband. He earns 10k a month and will spend it in 2 weeks.I notice when we go out, he likes to show off.Miami can do that to people .😮

[@frithar]

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

[@ElAgustin]

Anything is!

[@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.

[@Frank-d6b]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@JonathanLizRoland]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@Frank-d6b]

@@JonathanLizRoland However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@JonathanLizRoland]

@@Frank-d6b Oh please I’d love that. Thanks!.

[@Frank-d6b]

@@JonathanLizRoland Clementina Abate Russo is her name.

[@Frank-d6b]

Lookup with her name on the webpage.

[@debt2none]

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

[@taylorcoley6329]

I’m at $5500…. Yay. I guess.

[@eveliojosegarcialeon]

Remember to use a high yield interest account

[@Jaidron]

Keep going!

[@kylethetitan7374]

More than me bro🙌

[@nuthinguseful]

he was also at 5500 at one point

[@MafiaGamer9231]

Good job good job, keep going

[@1986Ster]

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

[@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

[@MAGGIE-PL-UK]

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 ! ❤

[@livwake]

I respect that but if I couldn’t do anything fun or interesting I’d go insane 😂 I do save though

[@MAGGIE-PL-UK]

@@livwake I do something fun and interesting without spending the money !

[@TraceyBergum]

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!

[@misslinda772]

We’re never too old to learn new tricks! Thank you. ❤

[@LamontCalloway-i7u]

I feel like I’m listening to me when you talk. In other words, it’s nice to see somebody make a video, that has the average Joe essence as well as the declaration. It causes me to wanna listen to more.

[@ricci_rich]

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

[@aderpaul007]

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.

[@bigtank6709]

I was thinking you had $100,000 cash. But either way congratulations!

[@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.

[@kmcdono1148]

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

[@dinagalall]

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

[@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.

[@Ferdinand208]

Aura contacts legitimate businesses and asks them nicely to remove your information. This way, only scammers have your information. So you can't be scammed by legitimate businesses any more. Great financial advice.

[@MadisonBriggsArtchick]

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

[@sallyprzybil2404]

Great job! Now for the next goal: here’s what I did: I set up a “competition” between my investment accounts the account that reached $100,000 in it first was “The Winner”. It encouraged me to keep saving, it made it fun and challenging, and it made the process go faster. I have 90% of my investments in Index Funds, not just one fund, but about 4 funds. Along the way I had to teach myself a new mindset. I had never thought of myself as the kind of person that had money, but in order to not trip myself up I had to change that negative belief. When I hit $300,000 I cried, it was a huge moment, it was like I had shattered some kind of ‘Glass Ceiling’ and things take off like a rocket from there.

[@chefmarco305]

Brother I agree with you on this one 2:21 I was not long ago I was shaking $14/ hr I had to be frugal and understand make due with what I had back then. Now making $30/hr I feel like a millionaire because I live below my needs and my HYSA has over 10k in it

[@patriciakochanek4959]

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

[@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.

[@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!

[@najihahyussof]

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

[@geriatricmillenial1983]

Congrats amigo. 🎉

[@sandrabryan9106]

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

[@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.

[@MyMy-bj7de]

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

[@denisepanzarella2833]

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

[@hilarywyllie2983]

I watch a lot of financial yt right now, and most people just say the same things in these videos so I usually ignore them. But I just came from you 10k video because I thought that was really good and I was not disappointed!

[@TheTigerlily86]

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

[@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!!!

[@carolynstewart8465]

Well done! You're a financial inspiration. ❤❤❤❤❤

[@EcomCarl]

Incredible journey to $100,000! Your strategies of living below your means and prioritizing financial literacy early on truly exemplify the power of disciplined saving and budgeting. 💡

[@mciti2594]

This sounds somewhat like me except I was in Ecuador making $0 until 20, then had a kid at 26 making $27,040 until I finally graduated college in 2018 and decided to get out of debt, get a steady job and put my finances in order. 💪

[@mariabelleci]

Yeah, you are completely right about that 20-30 age period is one of the most important ones. I had €6k student loans at about age 22 with a salary of less than 20k a year, having studied house cleaning for three years, which is a minimum wage job. At times I have managed to increase my income above 20k, but nowadays I make about exactly 20k, because of sever mental health issues. I'm now 29 and have paid all my debts and have recently reached 10k in total savings. But it doesn't really matter at what speed you get to 100k, to me trying gives me enough joy and hope. I have done as well as I could have. Getting over depression and being healthy and alive is a way bigger accomplishment than any amount of money I could've made during these past years. I'm really happy for you Austin and I hope people like you keep making lots of videos. The sooner more people understand how money works, the better. I know that money ≠ happiness, but poverty = anxiety/depression, because I have experienced that. It is also the main reason why I want to give as much money as I can to people that are less fortunate than me to have a choice.

[@Kyla94934]

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

[@officialmoecurrency]

You saving that much with those salaries is impressive Austin. Good for you man.

[@luiscunha9393]

And 100K subs. Congrats :)

[@rebacarmack8335]

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

[@bluecrocks]

Work smart, strategize, and prep 🔥🔥. Its a battlefield.

[@Pizzageek-jc4xp]

Congratulations, Austin! But just a word to the wise: don't let anxiety over spending some of your money get in the way of enjoying your life. Make a point, especially if you're over 50, to enjoy a portion of your hard-earned money on experiences and fun and if necessary, matierial things of high quality and of course helping others less fortunate. We don't take it with us. I know I sound preachy but life is short, if you want to take that trip (and it can be done pretty cheaply) or take a gap year to learn new skills, then do it, you'll always acquire more money afterwards. but realise your dreams now.

[@nelsoncopo7529]

Thats cool austin but whats the end game? Retire in ur 40/50s? Etc

[@moonboy5851]

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

[@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!

[@elizas4370]

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

[@ElAgustin]

Welcome!

[@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.

[@juliemarkham4332]

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

[@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?

[@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

[@Under510]

Money wisdom at its best! 👍

[@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

[@OanaTheMeerkat]

my formula: - live with your parents (ok, I get it, not everyone has this option. Second option is to live in your car/van for as long as possible. If that isn't an option, at least share rent with at least 1, preferable more, people) - finish school. Then go to college. If not, at least go into trade school. - get a high-income salary. (following your passion is so overrated, especially when on an empty stomach) - get a second job (in my case my second job pays my food, bills and transportation and my high-income salary goes all into savings) - buy your own house with cash

[@vchandrapete]

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

[@Financefunandfitness]

You are doing great, keep investing and pumping out the great videos, you will be a millionaire by 40, keep staying focused.

[@ElAgustin]

Thanks!

[@jackiesingleton5797]

🎉congratulations!!! Thank you for teaching us

[@leeallsopp5152]

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

[@pottacoola]

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

[@TheTigerlily86]

I needed tbis advice Agustin thanks much

[@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!!!!! 😍🥰

[@chrisbaker2669]

Is the $20,000 in a high yield savings account? If it is not it should be because that could be a few hundred dollars more a year.

[@AT90963]

Congratulations! Thank you for your transparency.

[@devilchats9528]

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

[@FreshWaterWindsurfer]

Impressive man! You are inspiring me, I'm at the $3k mark

[@marias8007]

Congrats! I'm on my way...

[@DavidDavisDH]

Congratulations on your money, I thought I was good when I was celebrating when I reached $10,000. I was saving for a car, I'm back at it again. I still have around $10k in stocks, I won't take that out.

[@nkosanamsibi7182]

Celebrate all your milestone 🎉

[@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

[@livwake]

The peace corps probably covered it

[@ParkDari]

Living at poverty level for 16 yrs as 2 working professionals friends and family thought we were crazy. Now we are money experts. But we are so accustomed to living small that we can turn it off and on whenever we want to save for an experience or luxury.

[@karenl7493]

Congratulations 🎉🎉🎉

[@MkhizeLawrence]

From Gaborone Botswana Africa I appreciate ur content u changed my life

[@ElAgustin]

Wow!!! Very far away!! Thanks for sharing as it can be hard for me to understand people are actually watching my videos, haha!

[@simransidhu617]

Congratulations man !! Well done 🎉

[@CheChevbcg1254]

That employer match is insane where did you work my guy?