How to Double Your Savings

[@steveantonioni]

Chef Toni wants you to get 1.8% interest on your money: neo.cc/refer/U9R5E2J3. Also, new episode in the Cash College mini-series next week! Hope you're all well :)

[@vishalkhatri6723]

Hey you can directly import the PDF file as a database in excel and you do not have to type it.

[@NINTENDOPOKEMON100]

$30 of ingredients! That'll cost you £8-10 in the UK ($9.40-11.70) Is this why americans will be 'yeah i make $22/h dressing windows or $35/h driving a truck??

[@XanderJabesNeal]

This was so whoelsome

[@AllTheArtsy]

The only thing a budget *really* needs is: 1) savings 2) fixed expenses That's it. Take out the amount you want saved first- pay yourself first. And then non-negotiables: rent, insurance, debt payment, etc. After that, everything is up for grabs. It literally doesn't matter. As long as you get your savings/investment goal covered as well as fixed expenses, don't sweat the small stuff.

[@1970rsc]

That only works if your financial situation is simple. Some people have financial responsibility for their parents or their children or want to give money away to charities when they pass. These type of expenses are neither savings or "fixed expenses" like insurance or housing since they are other people's needs, not your own. My mom might need $1k this month to help out on bills, but she might need $5k next month to help for a car.

[@ilvaphoto]

@@1970rsc that doesn't change the original statement at all.

[@1970rsc]

@@ilvaphoto of course it changes the original statement because you add variable expenses. So instead of taking the amount you want saved first, first you have to see which of your variable expenses are more important than savings - like if I have to help pay for my moms hospital. I take that out first, then take out what I need for fixed expenses, like rent, then what I have left is savings. So it changes in that when you have financial responsibility over others, those costs sometimes take precedent over your own needs.

[@UltraGalacticSuperFantastic]

@@1970rsc Couldn't you take the last couple years of your mom's expenses you had to cover, average it out, and increase your savings goals by that much?

[@SpaceGoest]

@@1970rsc other unexpected expenses have nothing to do with your budget, that’s what your savings is for, things outside of your fixed expenses and your personal needs. If you can afford to give your mom an unexpected 5k then that should originate from your savings or else you had 5k sitting there depreciating which is already an elementary financial mistake.

[@HokyShmokes]

Coming back to this video to say the title is inaccurate. I've been using this since July 2022, and I actually tripled my savings 😁 I adapted my own version of this method and I'm not exaggerating when I say it changed my life. I evangelize it to others whenever I can. thank you very much mr stephen

[@tatianastarcic]

America is currently plagued by the hydra-headed evil duo of inflation and recession. The worst part about this recession is that consumers are racking up credit card debt. In April last year alone, credit card debt went up 20% while rates have doubled in a year. Inflation is so high that consumers are literally taking debt for basic life necessities. Collapse has indeed begun.

[@richardhudson1243]

Collapse is generous 1st time in our history with a full generation that wasn't taught financial literacy, civics, Google fixes their problems if their parents don't do it for them. Reckoning for participation trophies is incoming.

[@darnellcapriccioso]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@maiadazz]

@@darnellcapriccioso Hi Mate, please how can i reach this CFA of yours?

[@darnellcapriccioso]

@@maiadazz Laurel Dell Sroufe is an exceptional individual with a talent for diversifying her investments. You can easily confirm her identity by conducting an online search. She possesses extensive knowledge of the financial markets.

[@ericmccormick82]

@@darnellcapriccioso Upon conducting a comprehensive search, I discovered that her complete name occupied the highest position in my search results. I express my gratitude for this valuable information, and it is genuinely appreciated.

[@Socrates...]

a much simpler way is to divide your expenses between fixed and variable expenses. The variable expenses you review monthly and the fixed expenses you review quarterly and especially for example when your internet charges go up or contract ends etc.

[@kingvamp-sb5ff]

As a financial advisor I strategise my budget by paying all my non negotiables first; such as rent, bills, travel money etc. I then have a leisure budget (socialising, drinks, etc) I keep this to a minimal, but not so strapped that I can't have fun. I then put 80% into various ETF's that give me long projected growth. I then invest the other 20% into the stock market, sometimes I don't invest all of it and then put the remaining into my ETF's. I never let money just sit around in my bank account, apart from a set amount for emergencies that I need to access quickly.

[@Nishinga.]

I'm brand new to budgeting and have been feeling really overwhelmed with figuring out where to start. This video has alleviated so much of that anxiety and helped me find my footing in order to build that solid foundation I need to get started. Thank you man, it's greatly appreciated!

[@shutchis5000]

Excellent analysis. Kudos to Justine for allowing you to break down her finances.

[@Scottweeier846]

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer. .

[@Brucelanham845]

I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

[@Nguyenvictory83]

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@Rodriguezpaul-9]

Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

[@DaveCulbertson]

I'm new at this, please how can I reach her?

[@carolynvo7802]

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

[@Sahidable]

Another easy way to save money on eating out is AVOID UBER EATS. The price is insane vs using the restaurants' in-house delivery (depending on the place), or picking it up yourself. Each food item is almost always marked up, plus delivery fees, plus service fees, etc. I personally did some comparisons and a restaurant near Vaughan Mills (a 10 min round trip from my condo) was $20 more expensive via uber eats vs me driving. And pizza places? Absolutely a waste to use uber eats instead of their own delivery drivers. Obviously cook your food yourself when you can to save the most money.

[@em77775]

Or do some Uber eats delivery yourself and drop off someone's takeout while you pick up your own and make a little side cash.

[@psrkives]

I would love to do this but, I live in the Philippines. I work for an outsourcing company that has US clients and I get paid about $350-375 a month, only get paid to survive. It's pretty hard to do when you work for a salary that only lets you live day to day.

[@AllTheArtsy]

Dude 18k seryoso? Lipat na.

[@psrkives]

@@AllTheArtsy I wish I could find the same job. Kaya lang hindi pa ko nag reresign kasi sobrang light ng workload, maayos management, non voice, all data entry, and pure WFH.

[@psrkives]

@@AllTheArtsy My only concern here, sa California naka based yung client ng company namin. They have $15 minimum wage doon. They earn about $2400 a month, compare that to us outsourced na $375 max a month.

[@AllTheArtsy]

@@psrkives your description of your work is very basic and not rare. Srsly just apply anywhere else that offers WFH, that's so normal now post-CoVID

[@zzzyyyxxx]

@@psrkives bruh if it's work from home, just...get another WFH job and do both

[@hockysa]

this was a great breakdown. simple rule I've been trying to follow at the moment was essentially, stop spending money on shit that doesn't make you happy.

[@lylahthompson2169]

If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!

[@taylorcoggan2054]

Reminds me of the phrase...."Rising tide raises all boats" to which Warren Buffet added "It’s only when the tide goes out that you discover who’s been swimming naked"

[@richardsoncuthel810]

@Camila Liam To manage investment risk consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal. Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline Because investing can be complicated. Consider working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out.

[@richardsoncuthel810]

@Camila Liam "Katherine Duffy Burke" performs admirably. In terms of portfolio diversification, she is pretty brilliant and also SEC-regulated, so you may check her up online.

[@lalfiere7750]

Just a little tip from an italian person: instead of using just onion, use the sacred triad of italian sauces being, onion, carrot and celery, also if you want it to be really flavourful spray it with a bit of red wine, doesn't matter the quality

[@lalfiere7750]

I know that's not the point of the video, but i'm italian, so it is for me

[@NickVetter]

The issue with shouldn't have category is you don't you realize you will regret it untill you bought it. Sometimes you can return and item or sell it. A good method that had helped me is to wait a 2 or 3 days before I buy something.

[@axel.lessio]

I did this analysis over a full year and I was shocked. 500 per month on average eating out, 500 shopping, 100 on taxis, etc. we were wasting our money without even realising it. We always thought "once in a while is ok, right?". We were totally wrong in assessing how often we were actually spending unnecessarily. Now we're setting hard limits on each category and it's as simple as that. It's changing our lives. We're finally getting out of the "there's money in the bank so we can afford this" mentality.

[@lin90210]

We are lucky to see a real life income and expenditure example. No need for criticism on how a person spends their hard earned cash. Everyone goes through different seasons. No one is perfect

[@danieljosenaval]

Tracking is a great way to eliminate bad habits. I've started weighing my food and, honestly, I'm not so strict about it but I've noticed there's an increased resistance (that doesn't feel bad at all) to eating food that only gives me calories and gives me barely any nutrition. I'd say the same philosophy applies to tracking your expenses. Simply tracking your expenses will likely improve your buying behavior without the conscious effort of "sacrificing" your lifestyle.

[@lukvanleeuwen7603]

Be carefull with weighing food though! If you take it a step further every time that could result in a ED (not saying it will, just a warning). I would look at it more like adding stuff to add nutrition, and then taking away the less nutritious stuff only to the amount you feel like you could eat. The result is of course basically the same, but it might help against seeing calories as a negative thing :)

[@EMAZINGERIK]

the only person I know that can get away with a cooking video in a finance video 😂👌🏼

[@salxworld1508]

This is quite literally one of the most influential videos on earth for managing finances. Literally have been trying to figure out how to use spreadsheets (on a basic level) via KZbin but you single-handedly did it in technically 10 minutes

[@Levvvo]

I came here to save money, and learned how to use excel😂😂 Amazing!

[@brianwhitehawker1756]

Is this really a good time to buy stocks? I know everyone says the mrkt is ripe enough for buying but will stocks tank further this year? How long until a full stock recovery? How are other people in this mrkt raking in over $250k gains within months, I'm really just confused at this point.

[@ervinmurray1253]

Very true! I've been able to scale from $350K to $650K this red season because my FA figured out Defensive strategies to protect my portfolio and profit from this roller coaster market.

[@carlocase8027]

@@ervinmurray1253 That's heavy! keep it up, I could really use the expertise of these advisrs, my port-folio has been down bad....who’s the person guiding you

[@ervinmurray1253]

Credits to 'Sandrine Nadege Logan' she has a web presence, so you can simply just search her.

[@iamapat]

Lmao, clueless

[@karsenkelsey801]

The best time to buy stocks is all the time….time in the market beats timing the market

[@emanuelecapone242]

Hi, I'm italian, I was really appreciating the video and then you started cooking. I was really initially surprised to see that you were putting basically the same ingredients that we use in italy as well, but at the end you said garlic, that's unacceptable! Any way, keep up the good content :)

[@BarbellFinancial]

80% savings rate means you can be financially independent in about 6 years!

[@steveantonioni]

👀

[@mattsarff2793]

I'm at 40% savings... long ways to go

[@musicased9591]

Treat your savings like a needed expense. Budget around your needed expenses such as rent like you already do, just add savings on top and budget slightly more. Doesn't mean you can't ever eat out or have fun with friends, but know your limits

[@roses.9181]

I’m financial planner and this is the best spreadsheet I’ve seen. I’ve never seen it broken down so simply this way. I will give this video to my clients as homework.

[@WookieChewie13]

you are joking right? you are , literally, a financial planner?

[@roses.9181]

@@WookieChewie13 I've just never used Google Sheets, and this is super helpful! It made the process so simple! I'm usually the one making the spreadsheet on Excel, but this could be so much more impactful to clients by having them do it themselves and consider what they are spending their money on.

[@roses.9181]

@deer Thank you! It's definitely easier when you love what you do!

[@hawkravengexx]

Went from teaching me how to budget to teaching us that eating out is eating away at the funds. Chefs kiss

[@seowholesome]

this video deserves a million likes

[@n.running6536]

I just checked and I naturally save around 42% of my income on payday and usually have around 20% left over at the end of the month... so 60% in total! Not bad for a 20 y/o who lives alone and doesn't have a formal budgeting method as of yet :)

[@thiti190]

great one! I hope you can share this with many young people who usually don't have these financial instincts

[@n.running6536]

@@thiti190 Thank you :) I'm tracking my spendings this month so hopefully I can be more mindful over the coming year. Main expense seems to be food haha

[@thiti190]

@@n.running6536 that is good. you give me inspiration to do the same. Why did you start doing these budgethings?

[@n.running6536]

@@thiti190 Because I want to be as financially secure and independent as possible :)

[@thiti190]

@@n.running6536 great to read this. very curious, how will you acquire this?

[@NolanMatthias]

Steve! This is brilliant. The importance piece made my jaw drop. So smart!

[@brianneweakley]

Dude you are such a godsend. Honestly keep learning something new about budgeting but definitely getting to know more of how to navigate life, budget, while still allowing myself to "set and forget" a goal while still saving after watching this. You're an angel and have learned alot even in the couple mins of watching this. Huge spreadsheet gurl but this is next level

[@JustinTadlock]

This is not a video I needed to watch because these things are second nature for me at this point. However, I wanted to pop in and say this is one of the best practical explanations of how to both identify and analyze spending. So many KZbinrs explain the big numbers like savings rate, but they don't get into the nitty-gritty with real-world examples. Saving to a playlist to share with others. You just earned a new fan.

[@TrishhMakes]

the thing that takes most of your money is housing. rent is just awfully high, and food is right behind it in terms of how much its costing. i divide it in needs, wants, savings and then in fixed expenses and variable expenses.

[@clemens1993]

I already save about 50 - 60% and did not know about this easy trick xD Thanks a lot! :)

[@alexandrumihai3350]

in italy it is actually illegal to use onion and garlic at the same time... you need to use only one, to avoid spending the night in jail, and be disowned

[@lisahook7978]

When you work 3 jobs, coffee is essential. That said, I saved $450/mth by buying a home espresso maker and making it at home. You do not always have to eliminate things or pay too much.

[@kaitlynhuizar5348]

I was wondering why yt recommended this video. I now see, the recipe imbedded set off my recs. Cooking videos are practically the only thing I watch lol

[@pizzaguy7998]

With the way things are moving, I think I need to see a video on "How to survive amidst the present recession". I mean, everything is in shambles. Surprisingly I heard people still make over 100K within a few months, and I'd like to know How and if it is still possible in these times or if I am being unlucky.

[@patriciacleveland2588]

Have this at the back of your mind. There are good days, and there are bad days. It is a zero-sum game. However, make sure to Save & diversify your investments so that when one is down, the other will be up. Personally, as one who has been into Real Estate for as long as I can remember, I made my first miIIion earlier this year from NFTs and Stocks. (through the help of a specialist though) Imagine what the situation would have been given the real estate market if I were solely banking on it.

[@patriciacleveland2588]

@mackenzie fventes Funny enough, I can honestly relate. I don't know if I am permitted to drop this here, but do run a check on Sandra Yvonne Webster or Sandra .Y. Webster Finance. Was in the news a lot a few months ago.

[@user-zl5gn5lg6]

@@patriciacleveland2588 In all honesty, this is the second time I am coming across this Sandra Yvonne Webster. Last Tuesday, I saw a telecast on the economic bubble there were testimonials from her clientele on how they gain daily through her strategies. The testimonies were so impressive and sounded too good to be true. Though I made some research and found out she's one of the oldest by ranking and has a very large clientele base. I am still skeptical. Do you work with her? Thanks.

[@GardeningInCanada]

I started saving once I had multiple income sources. It allowed me to save the side hustle money and live off the day job.

[@steveantonioni]

Nothing like a side ting

[@pioneer7777777]

How would you calculate your percentage if you’re contributing to a pre-tax savings account? Also would you take your taxes out of your income for the percentage equation? Say you make like $6k per month, and contribute $1k to a pre-tax account, and you have $1k of taxes taken out, then you save $2k of the remaining $4k. Would you say you’re saving $3k out of a possible $5k, so a 60% rate? Or would you say $3k out of a possible $6k, 50%? My point is you cannot save what you owe as taxes, but also not counting pre-tax savings is incorrect as well. In my mind, I like including pre-tax savings and removing tax, to get that 3/5 scenario. And a follow up, as someone with a 20 year mortgage, I am paying about $300 extra per month towards principal compared to the minimum of a 30 year mortgage. Would you count that as savings?

[@flawlessforestchannel5696]

Love your calmness keeps finances not cold and ruthless as it is

[@magda1988g]

Hi, so what your advice on saving if you hace debts/credit cards to take care of

[@calebfox8822]

Gonna do this tomorrow. My wife and I are currently making about 47,600 a year (before taxes) where the median income for Washington couples without kids is 78,000. I think this is going to really help us save more and put our money towards things that we need more than things that we want. Thank you for this awesome video!

[@jenshark4]

This is the most reasonable and helpful financial advice I’ve ever heard. Thank you for sharing, I will be analyzing my spending. I bet there will be som eye openers.

[@louiem97]

Sent here by DTM and really enjoyed the video👍

[@matthewh.2539]

Have you recommended Mint or another free budget tracking tool?

[@frxrml3203]

You are God's send. I never thought about how missed up my spending until I tried your tool. God bless you more.

[@joakimdam9723]

Is the goal to FIRE early, or why would one save 80% of one's income?

[@billyolson6320]

I FEEL LIKE THE HOLE SEASON IS OVER, I'M TRYING TO GET INTO TRADING AS A ROOKIE, BUT I'VE HAD SO MUCH LOSS0 TRYING TO TRADE ON MY OWN, PLEASE WHAT STRATEGIES DO I NEED TO EARN PROFITS FROM THE MARKET came here to learn how to trade after listening to this video lI'm still confused, I'm a newbie and I'm open to ideas.

[@kathylarson5377]

The best strategy to use in trading is to trade a professional who understands the market quite well, that way maximum profit is guaranteed. Because I have learned along the way of my investment that research and analysis are important, note that experience is more needed, than luck when it comes to the financial market.

[@julielopez1948]

This Bitcoin trading has set sail. I honestly cannot overemphasize how much delving into Bitcoin trading has helped saved and changed the lives of many.

[@craigrichards9104]

most tinmes it amnazes me greatly the way I moved fro an average lifestyle to earning over $62k per month, utter shock is the word. I have understooda lot in the past few years to doubt that opportunities abound in the financial markets, The only thing is to know where to focus.

[@tildawigren5086]

Interesting.. how did you do it? I could use some help over here too, My Crypto picks have been depressingly bad Tbh I'm in need of a good investment plan currently, I still have a lump sum in a savings account yielding next to nothing. Do you have more clues that could help?

[@albertaalmasanu442]

she's available on FB

[@tallyh6992]

I’m so glad I found your channel

[@nicolasrosenebrg2777]

Great video! Does someone knows how to do the excel?? I mean, all the structure and the category break down? Thank you guys

[@adav_sw33t]

What would a car rate on the importance level?

[@Jcampos24601]

I’m going to switch from Point to this card. Thanks!!!

[@kellyhiebert6766]

This video really had everything - both theoretical and practical advice on managing your finances, a tutorial on how to create and use pivot tables, an amazing spaghetti sauce recipe AND a humorous Chef Tony?! You're my new favourite thing on KZbin! Glad to have found you!

[@lukeburritos]

Wait a min i thought this was a financial video? Now its a cooking tutorial this is tight, i fw it

[@steveantonioni]

I fw u

[@kelsieolsen4702]

Why does no one ever make a category for non-food grocery items? Shampoo, toothpaste, body soap, toilet paper, tin foil, cat litter, Kleenex, laundry detergent, lotion, deodorant, pads, hand soap, diapers, make up, floss. Yeah you don’t buy these things every month but there’s usually a handful of items that add up and everyone forgets this category.

[@jipvanleyenhorst4834]

You are exactly the type of person the average joe like me needs to learn all this

[@solace9500]

Thank you for this, Chef Antonioni Margaretti!

[@kayto9311]

This is a great vid. The really hard part is the analysis ... because there's a real emotional & piece to spending.

[@SpencerJohnsonOfficial]

Great video Steve. This was a really great breakdown on how to not only cut unnecessary spending, but identify it in the first place. That’s arguably the most important step that is easily skipped.

[@EienAii]

I think I'm doing something wrong because my pivot table doesn't calculate my amounts. It counted them and the total was not what it was suppose to be. Am I missing something? I didn't have those lines in my category, does that do anything?

[@Jordanstonegames]

How do I make the chart change when I am.adding new items? Or do you just have to make the chart at the end for it all to add up Is it possible to make it add up live as you're adding things?

[@Eucis93]

I’ve been budgeting fairly strictly for several years now, I kinda need to because I’m very low income, and I do these kinds of analyses atleast once a year. In 2022 I did it once every quarter and it was really helpful. It helps keep me on top of it essentially. Unnecessary spending are essentially habits, and they definitely sneak up on you and like every other habit, the earlier you catch it the easier it is to quit it. I can’t afford to eat out or do any shopping, so my unnecessary spending usually happens in the grocery store. I’ll find some new drink or food I get into, and within a couple of months I suddenly realize I’m splurging 80 bucks a month on things I don’t need. The worst part about it is that my grocery budget is already tight, so I’ll end up chipping away at my actual grocery list to fund that new coffee or fancy cheese or whatever it is. My grocery store has an app that can track everything you buy and breaks it all down in categories, so I can check to see which category I spent the most on aswell as which specific item in that category I spent the most on. It’s really helpful to see what items are weighing on your budget, and it gives you a chance to look for a cheaper alternative. It also shows how many times you bought a certain item in the past 12 months, so for example I stopped using paper towels when I saw how often I buy them, and I switched my shampoo to something that lasts me longer.

[@victoria.vc3]

Just tried this method! Super helpful - thank you!

[@benkone420]

not having monthly debt makes $4200 look dreamy

[@YasmynTVx]

I can't tell you how endlessly grateful I am for this video! Truly revolutionised my finances, been using this method and constantly referring back to it for a year - I feel really in control :) THANK YOU

[@diegoamigo5719]

Quick question, the Neo card is it debit? or credit?

[@meganesguerra7540]

Omg, super helpful video. Thank you!

[@sergiishpak]

ha, already started it in 2014 - saving all my transactions(including cash) with google form(with categories) into google spreadsheet, and 2 first years were wondering to understand where all the money goes)

[@deolly]

Yo this spreadsheet is fire. Easy way to see where your money is going. Did it for my own finances as I was watching and definitely need to cut down on eating out. That takes up 30-45% of my spending.

[@seanpe8474]

Not only is this a great video on how to fix your finances, but its also a great showcase of the power of categorical data. Sometimes all you need to figure out what needs to be fixed is to just put the right label on it.

[@mhtruong2281]

Get an instant pot and cook the sauce for 40 minutes under soup mode. It will be like cooking it for 3-4 hours normally and no stirring needed. Save time and effort here. Maybe money too because of gas used in 3 hours to heat it.

[@Leviajohnson]

This is the first video of yours I’ve seen. I love you.

[@joshuaguerra979]

How did you get the slicer icon on the individual columns?

[@Kaka-zs4cp]

I save 50% and now I’m super intrigued on how you save 80%

[@luisfelipecalle]

How do you simplify not doing double accounting when you use both credit and debit cards?

[@JWalton314]

I always have a hard time categorizing alcohol. Sometimes it's Food/Eating out and sometimes it's Entertainment.

[@mae2630]

This is great! Do you have an excel template available for download?

[@troygardner8870]

My strategy is to save it before you can spend it, but leave some to live on. Meaning to literally invest most of it or put it in savings or an ISA so when you see stupid stuff you want to buy your money is already tied up

[@GunnCon]

Really helpful video, making the sheet as we speak👍🏼

[@mardelus]

Thank you for the recipe! 👌

[@Eagle-zl4gz]

80% is impressive!

[@zeljkothegreekserb]

This works if you're a rich westerner, try to save up anything if you're an eastern European who already lives frugaly, cooks, doesn't go out and still only saves 50$ or less a month.

[@ligmanuts5374]

This is a great video, from the great tips on saving to showing the cooking. Idk, very thoughtful and high quality video!

[@Visranda]

LOVE how you used a real person example! Of someone who needs help!

[@rizwannato3435]

What importance do you classify you investments if you want to follow them here as well? I guess i would have to create another category for it, otherwise it would false the interpretation

[@lesterlacarte]

This has been helpful. would use the template moving forward and would love to see the outcome this 2023

[@chrismellon127]

Love this! got the spreadsheet set up & ready to go! Gr8 tips!

[@crystalfraser]

I'm with TD, do you think it's worth abandoning for Neo?

[@TheSilentWealth]

This is inspiring, I never thought people would thought it'd be easily adaptable especially with difference spendings etc. Thanks for sharing!

[@linnaeuskuderewko]

2:15 what bank offers the ability to export your transactions to a spreadsheet?

[@jdxjxbandgeuv661]

is netflix nice to have or have to have ¿

[@isaacsiegel-hanly8892]

Can you make the google sheet template available?

[@tuoms]

I also save 80% of my income and I invest it. Then I lose 50% of it whit bad investments.

[@juiced9432]

same lol

[@marcgailo]

Im about to make a “Nice to Have” purchase. 😅 Where did u get your desk matt? I really like it and would love to get one myself.

[@nolakillabeast]

LOVED THIS !!!! Thank you so much 💕

[@donnabennett5454]

If I removed coffee from my diet, others might not survive, LOL. However, I bring lunch from home every day and I don't go out to dinner much, if at all.

[@prettyalina7237]

How do you deal socially when eating out? Do you flat out tell people your on a budget?

[@maybemeganjane]

This is super awesome! What program are you using to show the screen while you are screen recording while having your "bubble" in the bottom right of your face video?

[@farinshore8900]

How do you do that? My rent has increased 35 percent over the last four years! My income gas stayed the same.