How To Save Money: I Saved $100k In A Little Over 3 Years!

[@caseyjones1548]

I saved 10k a year every year in high school making minimum wage. If you put your mind to it, any goal is achivable

[@Clevergirlfinance]

That's incredible! And yes! You are 100% right.

[@JayLawson]

I agree. You just have to prioritize saving and do a budget and not operate outside of the budget.

[@MsEliteForever]

KC Johnston Living rent free with family helps.

[@Clevergirlfinance]

yes! It's a process!

[@Tahania1]

KC Johnston Wish I had a friend like you in highschool to teach me something. Great Job👍

[@Reine111]

1. Self education... I adjusted my mindset. 2. I contributed more to my 401k retirement. 3. I saved 40-50% of my earnings monthly 4. I kept my expenses low. 5. I started a side hustle 🔥🔥🔥🔥🔥

[@wendygreen2099]

Can you share your side hustle?

[@deedee9312]

What was your side hustle ? Good for you ✌️

[@TheDtfamu89]

She's just disciplined and can deal with delayed gratification.

[@jjackeeeKooKz]

TheDtfamu89 Good for her!! ❤️

[@tanitrarobinson7477]

Absolutely! Delayed gratification is the key, it works!!!! I read about it in the book, The 5 Lessons A Millionaire Taught Me.

[@4mydearlady]

For those commenting negatively - "she stayed with her parents for a little while, she doesn't have debts or kids, she got a bonus, etc.," yes that helps but that doesn't mean anything. The reason is that I know plenty of people who have no children, very little debt, they live at home with their parents or with a bunch of roommates to cut living costs, and they spend everything they make. These people are all ages. Also, one of the things most KZbinrs are famous for are "hauls." I don't care if it's a thrift store haul, a retail haul - it all means the same thing. Power-shop, overshop, show off, don't save or save very little. That's the culture we live in. I also know people who make six figures but have anemic savings and high debt because they take expensive vacations several times a year, eat out several times a week, overshop on holidays and run up credit card debt or have outrageous loans taken out against their house or car. Also, for those who think you can't save with kids, key in "The Economides" they have five kids and they have no debt and plenty in savings. There's no excuse.

[@Clevergirlfinance]

Everything you said! Thank you for watching!

[@NutsinBrazil]

Agreed.

[@rikanejose2611]

Exactly. She was smart on how she spent her money and being disciplined have a lot to do with it. There's plenty of young people living with their parents but spending their money on expensive brand name items (shoes, purses, & more). Give her props on her intelligence, don't knock her down for her honesty.

[@ensmith210]

Facts! You can save 100k even with kids or without kids. It's all about how you save, invest in, and spend. Even with debt, you can save 100k as well! STOP OVERSPENDING!

[@retiredmanager1098]

This is one of the best videos I’ve seen. The key to wealth is compounding interest and the rule of 72. Start saving young. Keep it fun. Don’t try to impress your friends with fancy purchases. Splurge once in a while. A lady friend of mine started similar to you in her 20’s. She kept reading and learning, when opportunities came she took them. She went from being a homeless runaway to owning 16 apartment units at 40 yrs old. Nothing was ever given to her. She still drives a 2002 Toyota Tacoma.

[@barbarablount4272]

Inspiring. Although I'm 59 yrs. Marriage ended after 35 yrs. No skills, I'm just getting by barley. No hand out. I opted out no alimony, just to be free. I want to set a goal for a home. Seems daunting, but miracles do happen. You have encouraged me to save. I only make $ 725.00 monthly. That's why I mentioned it will take a miracle. No money to save. But I'm thinking of side hussle to make money to save. Thank you.

[@WISHBONEL7]

How has it been going since you posted this comment ?.

[@tonyl6385]

God bless you, ill pray for you.

[@ajitdhavale4183]

All the best to you..once you make a start..God will show you the way..also watch " Dave Ramsey" podcast on KZbin its free...hope it helps

[@danastrachan9921]

Very well done. If I show my husband this video, he'll be depressed the rest of the year. LOL! He often comments that we should be millionaires by now. I would ask how? Now I know it was possible. My husband and I have been working for over 26 years, and still haven't saved that much. We did manage to cash flow our daughter's bachelor's degree(one more semester to pay for) so she'll finish without student loan debt. But our biggest problem has been spending and not budgeting. I'm a spender, he's a saver. Going forward, I will do much better. So happy for you!

[@breezyveezy1]

Dana Strachan That’s so awesome giving your daughter that head start! My husband and I came out of college with $80,000 of loans. Mine is paid off and we are working on his:)

[@ebonystone8890]

Dana Strachan ...youre a great parent.

[@RAAWELWare]

1) she had her parents... this is huge 2) she was able to stay at home 3) she did Not do this on a 40,000 a yr job. 4) no children during her sacrifices - Great strategy 5) obviously a great job - 401K, raises, bonuses- not the average job But truly it was the way in which she was brought up Key she was/is very disciplined - more than likely her target market with business ventures were friend of family and middle class. Many variables not the norm but doable ... just may take more than 3 years. Proud of her and hope more of us can have similar success

[@mikapettigrew5675]

RAAWEL Letrice Ware she has twins remember?

[@ricktulsa]

Guess you looked over the part where she said she has twins.

[@coolnojicson4u]

Thats not excuse buddy

[@marciasoblessed2931]

She only stayed home for 6mths

[@ajokenoni3239]

RAAWEL Letrice Ware iiiii

[@millionaire99i]

She has an excellent mindset. This woman is amazing.

[@katdimitriadis]

Agreed! (:

[@TheCreoleSon89]

So... Do you need a husband? Lol no but seriously good work. I and struggling to get my income up (started at 29k out of college) now making 43 base salary with bonus (probably around 31k after taxes). But I have 25k in retirement, 14k in investment account, house paid off and a nice savings account. Hard to find people who love saving. Keep up the good work!

[@TheCreoleSon89]

Kejuan Lynette thanks. It has been a interesting road. I had two jobs to get my house paid off. It was crazy. I wouldn't have it any other way. I hope you are on your way up as well?

[@tts6030]

congrats! I'm inspired.

[@jamericanrebel]

thecreoleson wow and I thought I was doing well. I’m 24, single, no kids with just under 50k liquid. Don’t know where to start. I know I want a house eventually... I want to save another 15k before I go house shopping though. #monorityminset. Oh and I graduate from college in May with zero dollars in consumer debt. :)

[@TheCreoleSon89]

Nishka Anna-lee you are. I am 28. At 24 I still had about 25k left on my house and only about 10k in the bank. Maybe 4k in retirement. I may have had a net worth of just under 100k. Do you live in a high cost area? I found cities like Austin, Dallas, Charlotte, Nashville and Atlanta great cities for millennials to buy.

[@jamericanrebel]

thecreoleson I live upstate NY the cost of living here is fairly reasonable. I pay 730 for a two bedroom house all inclusive (Rent). I however plan on relocating to some where warmer like Florida eventually well within the next two years. Wow you killed it man. I need to take a page out your book.👏🏾

[@gartnsu1]

I am impressed. I expected this to be a video that you sold a house or something happened and that was the majority of the $100,000. But, no, you worked very hard and were diligent about your money. Congratulations, young lady.

[@Clevergirlfinance]

thanks so much Susan. I appreciate you watching!

[@CC-pg2ji]

Instead of selling a house she got the money from her 401k. Aren't you paying attention. This woman did not scrape together this 100000 from just pinching pennies. She all kinds of short cuts. Living with her parents, side hustles, bonuses. Dont be silly

[@marshaabrady5191]

C C how is a 401k a shortcut? Anyone can open a 401k

[@marshaabrady5191]

C C no, I don’t know what you’re talking about. How is withdrawing money from HER 401k a shortcut? If it was her husbands, then yeah, I understand your point.

[@marshaabrady5191]

C C is everyone with an investment account taking shortcuts?

[@LadyMusse]

This is doable if you make consistent money and discipline yourself, mindset is 🔑

[@AuroraBoarder1]

Dee F - consistent earnings is key! But even if your earnings are inconsistent and low, save and invest anyway. You may take a lot longer to save $100k, but you'll still be better off!

[@andyyang50]

And ask parents to pay for your tuition? She had is lucky because of her up brining. And parents willing to pay for her degree. 😂😅🤣

[@blaquopaque]

I'm left struck with thousands of dollars disappearing from my 401k due to soaring inflation. Where can I safeguard and grow $500k cash for next 4 years at no risk? my goal is to retire early and afford my lifestyle after retirement.

[@Curbalnk]

investing is for everyone, not just for retirees, although people tend to think about it more as they get older. I think you're better off discussing with a proper advisor to help create a basket of securities in order to achieve your growth goals

[@velayuthman]

When it comes to situations like this, it's ideal to engage in various options using an advisor, and I can attest to success of the basket approach seeing my portfolio grow from $350k to almost $1m in barely 3 years, by far my best financial milestone.

[@greekbarrios]

@@velayuthman wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you dont mind me asking? in dire need of asset allocation

[@velayuthman]

Can't divulge much 'Monica Selena Park' deserves credit for my investing success as one of the finest financial planners out there, you should be able to locate her online if you are internet-savvy.

[@missdesireindependance5194]

Read books on investing. Use a high yield savings until you get enough knowledge on investing because it’s risky if you don’t understand what you are doing.

[@innerpeaceproject]

I totally agree with you! I was able to pay off $130;000 worth of consumer debt using these techniques. I didn’t make six figures, have a 401K and I’m single. I now also have over six months living expenses saved and I pay myself 10% first. I did this and was also able to eat very healthy, organic food as well as take good-quality supplements because my health is the most important thing to me. It can be done if you want it bad enough. It’s about learning to manage a small amount of money first. People some how find the money to pay their utilities because they don’t want to get their electricity or water cut off so they can find a way to pay themselves 10%! I also learned to say no and not worry about what other people think.

[@Mishfamilyshair]

It took me 6 years to the date! You're right. I think it's also all about mindset. 💜

[@planetChristie]

Mish The Therapist I like your savings plan!!!!!!

[@vickyy.9880]

Hi! I know this post is ancient lol but do you mind sharing your gains from your 401k to date..did you have major loss with the pandemic?

[@DetroitRed03]

My mom put me through college paid in cash, dad bought me my first car as a 21st/graduation gift.. i got my first fulltime job, not making 40k but i was able to save 20k in 2 years.. now im going for my BA.. paying my own way. Thanks to God and my parents 🙌🏾🙌🏾

[@user-tm4my4jb6d]

Guys, all she is saying is that she worked a plan. Low expenses and Worked extra job and Saved it all. She got her hustle on. Nothing Magical. Good Video: Has heart.

[@Clevergirlfinance]

yup no magic involved :)

[@gabbybarnes3735]

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[@adrian3747_]

u saved me time watching the whole video thanks

[@idofdm7625]

You are on your way to reach one million before you're 60 , and will retire multimillionaires! Congratulations!

[@lifeyang2]

Very true!

[@billcarson9228]

$100K is really a fantastics goal...I achieved (finally!) this a couple years back. It's a goal, that once achieved, allows you to take a step back and re-evaluate future plans, and it opens new doors. Most importantly, it changes your way of thinking. I'm willing to bet that CGF will hit $1Mil in the next three years (if not sooner).

[@kristinrodriguezrealtordmv3434]

Bill Carson I agree! She is well on her way!

[@tishaw.8254]

I'm glad this was on my recommended list. God must be trying to tell me something.

[@dekishajones282]

Tisha W. Confirmation bias! Look it up!

[@percyastronautstatus.8780]

u commented 3 years ago.....did u get the message ???

[@WISHBONEL7]

How has it been going ?. Are you stacking money as well ?.

[@elizabethj8130]

I’ve been working for ten years and just got healthcare and a 401k for the first time. Your three year story of salary is what I’ve just earned and they shorted me 10k. Still, single with a child I’m living at home, raising my credit rating, putting all their expenses on my credit card for points, participating in their transportation and phone plan and learning how to invest money on my own. I hope to be at 100k in three years by living off 20k a year and not spending my tax returns at all. I need a side hustle. I just don’t know what to do, but I think I have some ideas.

[@MamaDee737]

Congrats! You are on the right track. Don't listen to the Nay Sayers. If you save your tax returns and side hustle income long enough, you may be able to buy a home cash.

[@BellePerjuste]

Bola, you're story is inspiring! Thanks for being brave and putting it out there. I had no idea how lucrative of a side hustle photography is! I was able to save $25,000 in under 2 years on an entry-level salary. Which I'm darned proud of!

[@elizabethmercurius8276]

Very good and patient bless u

[@chiliconcarne4274]

That's great.

[@RbpcsFit]

That’s AWESOME!!!👏🏾🎊 🙌🏾💖

[@greatlylovedbygod]

you this was her story and situation and discipline and I applaud her for a truly awesome accomplishment. she remarks over and over that it took focus and determination. ..she says she even made mistakes...the young lady has it together and is trying to show others it can be done. instead of crying that the video is misleading why not glean the good points stressed and adapt them to your situation? start saving 5 dollars a week...then 10...don't have 5? do 2 dollars or 50 cents...start somewhere. So let's not put someone down for achieving something we've not YET accomplished but work toward our own successes so we can in turn ENCOURAGE others...and make your own video one day. May the Lord bless you.

[@hunkydude322]

you have the right idea start somewhere and build from there good positive attutide good luck.

[@marcofragomeni9914]

this is one of, if not the most one, realistic videos about saving. The starting point was ideal (good salary + 6 months of almost full saving), that amount you saved made you visualizing a small treasure and when you have it you really enjoy seeing it growing, slow and steady. You developed your skills and you got raises, made a passion a source of additional income. No crazy expenses. Yes it is completely doable, if not in 3 years possibly in 4 or 5 also for a person with a 9-17 job but with a strong will and determination. Thanks for sharing

[@FunandBudget]

major kudos to you! I wish I would have taken my finances more seriously when I was younger...but alas, here I am today getting it together....lol

[@sweetsugar1014]

Good for you. I'm late at it too, and hun MANY of us are in the same boat when it comes to savings and building our portfolio. But, at least now, we have the tools and motivation to get started.

[@NaturalVeganMama1]

The Fun and Budget Act yes!

[@upperechelon2283]

Keep grinding smart luv

[@HebrewHoney777]

The most amount I ever saved unfortunately was only $3,000. However, today I made up my mind to start this journey again.

[@g.pearson4726]

This comments below annoy me. Take what you can learn from the video and leave the rest. People often get jealous when I tell them I have no students loans and never had. The reason is because of sacrifice which a lot of people don’t want to do. I was a manicurist at 14 years old. I scrubbed a lot of feet to pay for college. I ddnt move out until I was 21/22 years old. I partied where I could get in free. I shopped sales. My first few years of college I had a junk car later on I purchased a nicer car. I didn’t take out any credit cards and the only bills I had I paid in full. So I not only have no student debt but I also don’t have debit period. I have a good credit score. I said all this to say. I listened when I was a kid. I watched when I was a kid. I learned from other people’s mistakes and did the opposite. I had a friend in high school who’s Mom made great money but had student loans and because of this they lived paycheck to paycheck. I had an uncle that when he turned 18 got his first credit card and went crazy. I have an auntie who stayed w my grandparents until she was 32 yrs. old and got her masters degree. She’s doing major things now. She didn’t party and she didn’t crazy shop. Now she’s living a life that only people dream of. Those are just a few examples but I have tons of good or bad behavior when it comes to life choices. So I learned early that when I have to do it I’m going to do it my way. I don’t believe in working at a job I hate to pay bills. I wanted a full life on my terms. So you can do it to. Don’t hate on someone Bcuz they made different choice then you and it worked for them. Learn from her!! Thanks for sharing

[@TreadingwithDeefashion]

I wasn't looking for a money saving ... video but I loved this

[@ShemaGoodness]

DelphineWifeofPhilip Mum me too

[@bellamorgan1479]

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[@nurlizabintimohdmokhtar7048]

Not certain about the points made but ,if anyone else wants to uncover consolidate debts try Boshapra Amazing Finance Boffin ( search on google ) ? Ive heard some great things about it and my work buddy got excellent success with it.

[@samanthav6709]

K

[@samanthav6709]

TRENDING NEWS BY DELPHINE

[@hizzgurrl]

Step one: get a good job

[@Mrs.T305]

Mish Apply apply apply and whether you'll get the job is more like it. I'm tired of hearing clients say they cant find work.

[@cmac2295]

@@Mrs.T305 not true, one has to have the skills to apply for this jobs

[@Mrs.T305]

@@cmac2295 Please don't tell me "not true" I do social work. Of course the clients would need to have the skills...some don't and some do. And the ones who do, still have a hard time finding work, especially if they don't speak Spanish here. My experiences are based on my job history and demographics!!

[@kisofav]

@@Mrs.T305i would love some help finding a good job that pays wells. i have applied so many of them but no luck

[@juneplease3648]

Actually, step one is get a job, period.

[@itsshevyb]

Most of us who graduated college after the recession knows how hard it is to find a job making over 30k. Which makes it a lot more difficult when bills and student loans come into play. With that being said, I worked through College, at 27 bought my first house, I still don't make over 30k, i want to go back to school I follow Dave Ramsey and I am financially savvy but 100k in 3 years is out of reach for my generation

[@sofondadavis5028]

No it's not. Change your mindset. If you can't wrap your mind around it. Then do a smaller amount. Do monthly savings challenges. Automate your savings. Do no spend/low spend money savings months.

[@kristinrodriguezrealtordmv3434]

Amazing video! I honestly don’t know how I came across it but I am glad I watched it! I started listening to Dave Ramsey last year and my entire mindset regarding money changed. Since I paid off everything minus my car, started buying stock and saved my bonus this year. I honestly can’t even tell you where my bonus and tax refund went last year 😳. As Dave would say “I made to much money to be broke!” Thanks to you my new goal is to save $100k within the next 3 years! I have $80k more to go! Thank you so much for the inspiration 🙏🏼 🙌🏼

[@jasminejackson809]

I would love a "how to save while a student" video. This video in itself was very helpful and applicable but something that deals with the restrictions students face would be great to see and hear your opinions on (ex. Not making anywhere near $40,000).

[@ethanschaefer8327]

lol idk how its possible to save anything when youre spending 20k a year on schooling

[@astgoddess]

You probably just wait until you begin your career...

[@kikibrown9548]

Don't get married. Don't have kids. Don't borrow any money!

[@goodliving2171]

Ki Ki Brown Amen! You really run the risk of losing it with a partner. We always think we know the person, that's why we marry them. Look at the divorce rate, 50/50. That doesn't even begin to talk about how unhappy the 50% of remaining married people are. Many people remain married because they have children, they don't want to be "divorced", they are afraid of the unknown, don't feel financially stable enough, don't want to be alone...If you get married, be sure to have a pre-nup if necessary or put your savings in an area by itself and keep proof that you had it before marriage. Don't talk about the money or it will be a target. Don't let anyone bully you. Don't even talk about your money with family like siblings because they might want to borrow and not pay back. Let them make their own money that they were going to get to supposedly pay you back! Yes, people are always surprised when a family member rooks them because they, themselves would never think to do such an awful thing.

[@juicehammer]

Don’t drink, don’t travel, don’t pay for entertainment. Yawn.

[@chantelsanders285]

But you can still do these things and save money lol

[@blackgriffin6445]

Hahahahahaha funny

[@williamjver]

Women seem to better at saving than Men. You work hard and save. Kudos to you.

[@sheiswhitney]

All good advice. But if your paycheck was $1400 or $1500 and you saved 40% or 50% how were you paying your $900 mortgage, $300 car note and other household bills? You must've used your side hustle to pay some of those expenses and save simultaneously. My take away from this: honestly assessing your finances, get into a discipline mindset, create a plan, make sacrifices, save save & save! Congratulations and I appreciate you sharing.

[@Mrs.T305]

S He Yup

[@kaytan8598]

That's what she spent the other 50% on.

[@Smileyyy21]

Did you live with your parents? That's how I've been able to save 15k in 2 years. It makes a difference when your not paying rent or a mortgage. I work minimum wage.

[@Clevergirlfinance]

I lived at home for the first 6 months and saved for my down payment

[@goodliving2171]

Clever Girl Finance Live at home until your parents aren't here anymore and you will have a house and will have saved a ton more. I don't mean any disrespect whatsoever. Or, live there until you can afford to buy an inexpensive house, perhaps a tiny house 🏡 Instead of going into debt =)

[@rikanejose2611]

Smikeyyy21 It doesn't matter on you living with your parents. It's all about how you spend your money. I know a lot of your people who spend a lot of money on unnecessary things just because they have money to spend and I know single mom savings a lot of money eventhough they have a lot of bills. I know nursing assistant who has more money save than a doctor. You just have to be disciplined with your money and spend it wisely. Don't spend money on what you want but spend it on what you need. You need to pay your bill but you don't need a brand new car with expensive name brand bags and shoes. If cut one things off and make some sacrifices where its needed, I guarantee you can easily make $5,000 in a year. I'm single and independent with lots of bills and I was able to save $11,432 just last year alone on top of my mortgage, utility bills, car bills, food and I was only making $15/hr. When I go to my bank, they treat me extra special because I have a lot of money save in my bank account and they think I have a high profession. If I can do it, you can do it too.

[@dasdimatichaani8309]

i am 27,single, living with parents, have 113k in savings , 21k in CD's. Staying away from investment BS. 👍 No Mortgage and bills is key to success. 🥳🥳

[@Nikolasto77]

What do you plan to do with your savings? Keep it in 401k? Buy a house? Do you want to start a family of your own?

[@tansymv]

Even though i don’t know you i still am very proud of you Thank you !

[@NaturalVeganMama1]

I don't have a car note and I am going to do what I can to keep it that way for a while. :-)

[@goodliving2171]

Natural Vegan Mama It's great that you don't have a car note. Some people use the excuse or truly believe that when their car reaches a certain mileage point, it's time to turn it it for another car with less miles. The amount of money you spend every single month on a new or newer car is not worth it. Take good care of your car, keep it aligned at Firestone with a lifetime alignment, keep oil changed. When it goes in for something, have it "gone through" but get 2nd or third opinions w/o telling the 2nd & 3rd parties what the first one said. Ask how long the bad tire might last before having to replace it but don't take a silly chance with your life or the inconvenience of having a blown tire on your way to work or in a downpour. Don't try to "keep up with the Jones's.

[@WISHBONEL7]

I hope that you never take a car loan . Those things depreciate way to fast .

[@composeadrink9182]

The best money saving tip is making your own tea or drink at home. It saves money a lot.

[@livingwithcancer1245]

Alot of the issues with saving is having a family doesnt leave much money to save. A single person wit no kids is easy.

[@KODoch48]

Congrats! You discovered confidence in yourself is 90%! I rose to the top of my (legal) profession with a high school diploma, to my own business based on practical experience and "professionalism" (presentation based on proven experience and how I presented myself!). The "gate is narrow and few will find it!" Unfortunately, the definition of this Bible quote is limited by the particular "preacher" people rely on! Know the scriptures by studying them yourself and applying them to your OWN life! Great video and advice!

[@VicToria-sd1dn]

KODoch48 Just for this singular comment I subscribed to you, even though you don't have content yet. Waiting for your content, anytime.

[@akmack2]

You are an inspiration! I'm also a very frugal person so I appreciate what you've done. In my opinion, you must have made your mom more than proud and if I were her, I'd be happy to take care of college for a child like you. Smart, hard- working and willing to sacrifice for what you want. You GO girl!

[@DeonnaMyleah1]

As a 22 year old college senior graduating soon I am soooo happy I found this I learned so much thank you!

[@cardion411]

I don't subscribe to many channels, but I did to this one. Folks don't know how hard it is to have a regular job and also to have a side hustle.

[@exclusiveaddition5491]

Cardion Don facts

[@ChristSaves88]

"Do what you can with what you have." This was very informational! I needed this. Thank you for sharing!☺️

[@julawa86]

Bola, you are amazing!! What an inspiration!!! Obviously your Mom must have had a great influence on the values that were instilled in you. To have paid cash for your college was a prime example. I'm sure your Mom must be SOOO proud of you as you should be too!! I am a fan of Dave Ramsey, but I don't follow ALL his advise (such as not having credit cards.) He would probably say YOU are WELL on your way to creating the financially independant life you deserve!!! You are AWESOME!!! 💖💖💖💖💖💖💖

[@Clevergirlfinance]

Thank you so much. I appreciate your kind words and you watching!

[@cinesanders8522]

Proof that it's not about how much you make but how much you save

[@forevertrue06]

Great job. I find that even with a 2 income its can be hard to save and lower expenses if both partiers are not thrifty. Because its so hard to tell another adult not to spend too much money on certain non important expenses when you both are working.

[@LGnLA]

Omgosh yasssssss!!! Wooosahhhh... smh. 😊

[@shedocs]

So true...thats why I always tell single ppl (who seek advice)...make sure your mate option has the same mindset and like minded future goals

[@KayMens3]

stayforevertrue I’m having the same problem! It’s weird telling another adult that they aren’t doing the most with their money.

[@MyLady22]

Yes!! One is a saver and one is a hardcore spender. One has all the saved money and one is flat broke all the time. Then when an emergency arrives for the spender the saver has to help out. It’s super annoying.

[@minorperez5998]

I was about to say how did you save 100k on 40k in three years but with the details. It makes more sense now. Congrats on the 100k. Bc I started on with a 35k salary and a year I saved 10k

[@claudja_cocogoddess9984]

I think it is great that your parents set you up for success. 😁

[@leeanncornell8305]

Love your ideas and upbeat personality. I went through All of this when I was 21 and went through all of this when no one around to help but I was a saver like you and grew up with a grandmother born in 1895. I learned many things from her. Now thanks to you and others on youyube there are so many good ways to learn to save. And yes, this old dog is always learning from you and others. I am 56 years old and do many of the things you have done. Pat yourself on the back for doing so great, so young in life. You parents must be so proud. hugs and hugs to the twins. From one female to another. : )

[@TheCarnivoreSoprano]

Congrats. I hope you realize how rare that is. I'll be lucky to save enough to buy food.

[@Stephanie-mj8dj]

SuperPhdiva I’m on the Dave Ramsey plan, and weirdly enough, budgeting has allowed me to see all of the extra money I could have been putting to debt all along

[@TruFlyFox]

Stephanie Hill, I have budgeted severely and I'm lucky if I have a penny left over at the end of the month. #singlemom #nochildsupport

[@msbell221982]

I feel like she’s pretending she did this all on her own yet she had help from her mother who paid her college tuition and her mom didn’t charge her when she moved back in after college. I live at home and still get charged rent. I would love to have made her salary after graduating college but don’t nor do I own a home. It’s not as easy as she’s pretending it to be.

[@maatx9718]

Luck was not involved..sheer discipline plus mindset right

[@maatx9718]

Melissa Bell she was very honest about the areas she had going for herself..or we would not know.

[@JayLawson]

Congratulations, you killed it! ...you are an anomaly though. You were saving about 50 percent of your income year after year. I think the national average is about 10 percent or less. Did you know that if you continue to save and invest at your 100K every 3 years rate, if the market keeps averaging what it did over the last ten years, your net worth would be 5 million dollars in 30 years.

[@brentjansen166]

Pssshhhh but who the hell can work 30 years without getting sick, injured or dying lol. Plus I doubt this boom we're experiencing is going to last much longer.

[@JayLawson]

Dijon Edwards, no one can work 30 years without getting sick. Some will get injured and some will die. But if you do not die, you can consistently make increasing income. My Dad did and so am I(17 years in). Not sure what you are doing, but you need to change your outlook to a positive one or for sure, YOU won't. While the rest of us will. Also, the market is cyclical but with dividends and inflationary growth you can acheive 8-12 percent gain averages if you know what you are doing. It requires research though. Good luck.

[@classicstorm]

I like how this was so realistic...a lot of videos are like how I save 100k in 6 months by making 1,000 a year(I know I'm overdoing it, but)...with no real tips...

[@tess2864]

Well done CGF, a few things I like in particular: Paying into your short term (Hustles and handbags) and long term (investments + 401) game. Positive decision making. Or as I call it, prioritising and the power of no. Controlling your overheads. In my early working life I listened closely to the (free) advise of my elders, pushed for opportunities and worked hard while others played. I am forever grateful for these years as I learnt the value of a dollar and appreciate my successes and those of others. Well done CGF and keep at it, it only gets easier.

[@TheToadChild]

Great pointers! The main take away is to live on less than you make, regardless of what that amount is. A true budget and frugalism is the only way you'll be able to create any sort of life for yourself that will allow you to generate the money you need to create options. No money = no choices.

[@signedgladys]

So inspirational! I never knew of a difference between a “charge” card and a “credit” card!!! Thanks for sharing. 🙂

[@nxtchpforme9154]

Promoted and bonuses definitely help you get to the 100k. Your right having the right mind set. It will help people save but expenses are a challenge.

[@territheintrovert4886]

Subbed, you are very articulate and your advice is so important. Thank you!

[@saradavis7136]

Did you have rent, living expenses, etc to pay while you saved or were you living in your parent's house?

[@williamsmith3331]

Sara Davis exactly

[@davidegan7888]

Sara Davis She said for first 6 months she with her parents.Then she bought home near her job.😊

[@Clevergirlfinance]

Thats correct - I was home for the first 6 months and then i moved out!

[@nessanessa01]

Sara, she did it through hard work! Nothing was given to her. You Can do this too. It's never too late. Many try to find excuses for others success because of their own self limiting beliefs. Don't be that person.

[@saradavis7136]

nessanessa01 I am pleased to say that we are debt free so thanks for the encouragement but I don't have any self limiting beliefs and don't feel the need to find excuses for others success. Fortunately I also don't tend to make presumptions about other peoples circumstances either.

[@ericjones3920]

Outstanding. I am debt free as well. I have a job and run my business. My job i put $1000 per month into my thrift savings plan. i don"t have a vehicle note and now i"m working on paying my home off. It can be done and its all about your mind set. I don"t own a credit card or anything like that. I think everyone should educate themselves on how to be debt free. I salute you. Positive flow.

[@susanvelez6534]

Your amazing I subbed.... But I'm a single older mom (56) and can not find those high paying jobs like when I lived in the Bay Area. I'm struggling every month and I have a side hustle too :(, I'm so proud of you darlin

[@Clevergirlfinance]

Thank you so much!

[@Stephanie-mj8dj]

Susan Velez You should look up Dave Ramsey, I’m doing his method now and it helps

[@susanvelez6534]

Stephanie Hill I am doing him he is amazing. It is just very hard, 15 year old daughter, two jobs, I'm 56 and exhausted

[@Stephanie-mj8dj]

Susan Velez I don’t blame you!! It’s definitely hard, but I know you can do it. You succeeding will let others out there in a similar circumstance know that they can do it also. I have faith that you’re going to rock it!! I’m determined to make my debt free scream and to hear yours😄😄😄

[@sandraboxill1322]

Proud of you.....very proud...keep it going..don't get sidetracked...

[@TreadingwithDeefashion]

40k is a lot of money.... ask England hahahahha

[@Finx436]

is not

[@JackyHapy]

Yes when it’s 💷 it’s still more than my current salary but this plan is doable!

[@Begrateful7]

DelphineWifeofPhilip Mum Amen!!!!

[@serenitysbubble2384]

DelphineWifeofPhilip Mum yes i agree in the UK it's classed as a lot

[@Afrinaturality]

DelphineWifeofPhilip Mum Certainly more than the average full time salary in the UK...even for graduates.

[@GangstaNerd]

David Bach will get you right i have read all of his books

[@valueoftruthdotorg9713]

See you at the top!

[@Clevergirlfinance]

YAY!

[@wintertarzanjagrup2527]

100k is not the top please stop.

[@kseke25]

Hemant Jagrup You miss the point. it's a START! smh

[@breannanouveaux5132]

Hemant Jagrup Limited mindset.

[@rikanejose2611]

@@wintertarzanjagrup2527 Go to hell. You are just jealous. You are not even near the top so shut up.

[@theunknownsource8317]

I just ran across this video by accident. I'm super excited. I'll be listening to ALL YOUR VIDEOS. Thanks for sharing!!

[@smartmoneycafe1057]

Excellent! Thank you. And congrats on that side hustle too

[@Clevergirlfinance]

I'm sharing my story and what I did with the hopes that some of what I did to save might be useful to you on your own journey. I talk about the details of my salary, my raises, my side hustle (which I started to earn more money), how I cut down on my expenses, where I put the money e.g. retirement savings, cash savings etc in the video so please watch video in it's entirety and if you'd like check out the actual blog post for more detail the link is below. I did not have any student loans, because my mother worked SUPER hard to be able to send me to college debt free. This was a "gift" from my mother that I have never and will never taken for granted. She did not have to do that for me but she did (there are a million other things she could have done with her money including adding it to her retirement savings), and I intend to do the same for my own children in addition to taking care of my parents. Now, as a financial educator, my goal is to share my own stories to help/motivate/encourage others while teaching financial wellness. My story is NOT for everyone and NOT everyone can relate to it, however, it's important to think about YOUR OWN personal situation to determine what can you do differently and what can you sacrifice to accomplish your own personal money goals whatever those goals might be. I will also add that my story is NOT unique and me saving this money is NOT an exception. Just listen to the Dave Ramsey show or other popular finance podcasts or browse other savings stories on KZbin. It's all about what you do with what you have. There are a ton of people I know who made twice as much as me during the same time and barely saved anything and if they had student loans or other debt did not pay much towards their debts. I made the choice to take advantage of the opportunity I had, while I had it.

[@Imtheone84]

If I could figure out how to save $33,333.33 in one year and do it 3 years in a row I could also save a $100,000 in 3 years. I make $28,000 a year and it takes $27,600 a year to run my house. My wife works part time because we have a two-year-old daughter that she takes care of. She doesn't make much. I work 50 plus hours a week. $18 dollars an hour. So I have to more than double my income. I have a couple side businesses that I do after work and on weekends, but it's up-and-down with all that.

[@dj912sent9]

So now the problem is not saving but increasing your income. Your wife has plenty to do with your daughter. Perhaps there is a certificate you can earn to help you earn more? Etc.

[@dj912sent9]

My parents moved to the USA many years ago with no English and 5$ in their pocket. You can do it with the right mentality :) And they had 4 kids... :)

[@KhadijahCelestine]

Maybe your wife could quit her job and start a small home daycare with 3 other children?

[@susanngorima2105]

18*50.is enough and her part time. You need to down size and maybe your business is putting money out instead of bringing money in I always believed two is better than 1 I am a single mother of three and making 42/yr and still manage

[@breezyveezy1]

Eric Black I feel you! My husband and I started with a budget app and that helped. We didn’t realize how much we were spending on little things (I use Every Dollar free app). We started only shopping at thrift stores and doing meal planning. That cut down our spending by half! It takes a team effort but we saved $20,000 in 2 years.

[@xo7499]

some people can't live with their parents

[@fightwithfire18]

xoxXOXO l she doesn’t

[@valeriepaul6348]

Having a husband is expensive - I used to get tax refunds when single- they take more tax,- I have not seen a refund since. Kids are expensive as well

[@naomidawn6305]

Valerie Paul well you made that sacrifice for husband and kids. Decisions

[@susanngorima2105]

Sometimes money isn't everything and if you believe your kids are expensive wait till you get old who will take care of you? How ever kudos to this girl who had the mindset of saving I will show this to my daughter.

[@ms.rushnugent6477]

i am so inspired by your journey ,i am definitely a subscriber

[@donnale3881]

I had managed to save $200,000 in my 401 but when the market crashed after the 911 attack, my 401 dropped in half. Than lost the other half in the market crash of 2007. My advice, be Careful!

[@shayargilani]

Donna E did you sell after the crashes? you should’ve made your money back (and then some) by now if you rode them out

[@vickyy.9880]

Oh wow that is sad and actually a fear of mines. What happens when you reach retirement age and there's s big crash. You just lose everything! Makes no sense and makes you not want to invest but you know you need it in your later years.

[@adisaakintola]

Congrats on your achievment and thank you for sharing.

[@jessmaxwellazad3279]

I'm curious, what state do you live in? Because in NYC you can't rent a closet for $900 let alone get a mortgage. Also utilities seem really low. Also, do you socialize and have friends? Because, generally speaking eating out/ hanging out cost money. Also birthday celebrations, babies, weddings etc. How much of the 100k was cash vs what you made in your 401k interest/ earnings and employer contribution (not your contribution).

[@Kasey_888]

She states in the video that she hung out with friends at each other's homes and doesn't drink. Socializing and dropping too much money is an excuse people use. There is plenty of fun free or expensive ways to socialize. Also who says you have to break the bank on other people's celebrations or holidays? Change the mindset and stop giving a hoot about what others think lol. You can get gifts that dont cost a fortune, and if your money is super tight, just BE present for an event. If others judge you for not going into debt over them get new people! Not sure if she stated where she lived but when I was making 125k living in San Francisco but still was feeling broke bc I was wrapped up in a certain lifestyle that I thought I had to live up to...I woke the hell up and moved! Sold a bunch of material items I really didn't need in the first place, and moved to where I would like, an area fit my personality and other aspects of lifestyle. Making a bit less money but being able to save and invest more gives a peace of mind and sense of freedom I hadn't known before.

[@Mrs.T305]

Faithful Jess Your last sentence is a good question..and it places a huge role in this equation

[@lillyadu2874]

You are right.....

[@hunkydude322]

you have to prioriize if your going to keep partying etc..... you'll never say, so obviously this woman did some priorortizing, she weeded out the things she could do with out and began to save, this is not rocket science.

[@GarryBurgess]

nice job! That's really exciting. Keep it up.

[@sge1418]

I have a bachelor's degree in HR making 26,000.00 a year 😣😣😣

[@Lavida-melody]

As a recent college grad looking to start my career, you truly inspired me! I would say I’m a natural saver as well. Keep up the awesome work :)

[@clarke771]

The way to become rich is to invest money not to save it.i am profiting quite well doing my trades and investments under the guidance of a professional.

[@clarke771]

I am into forex trading and I make little over 20k every month.

[@clarke771]

Yes it is. It can be difficult for you as a beginner but you can better with time of constant practice.

[@clarke771]

Yes I trade with an expert, Her name is Alexia Clayton, she is a professional forex account manager among other investments. She is the one who handles my trades and delivers me my profits when due.

[@clarke771]

She has a platform where she creates slots for her clients and on their behalf as they invest with her. She has a commission of 25% at the end of every trading period.

[@clarke771]

You can write to her through ; claytonstrade (åt) g m a i l °c o m

[@mehmeh9748]

Great advise. Wish I could have seen this when I graduated, but will just start now. You are an excellent communicator btw. Thanks for sharing.

[@nappyscribe1987]

Good vid I'm going to show it to my daughter and granddaughter.

[@longashl]

Good onto you. It's taken me about 10 years!

[@theevagoetzeshow]

Strategy and mindset. Yes!!! If you can do it, I can do it! Smart women finish rich - yes!!! Thank you!

[@davidosei9105]

Hi, Don't get me wrong, I think you did a great job and highlight a lot of good points, but I want to point out that your Salary for the main Job was 54k, but your total compensation is hovering around 90k. 54+3k bonus + 3k match + 30k side job. That's a pretty huge swing (almost 100%) you weren't only making 54k, you were effectively making 90k. Kudos to you tho! Half the battle of saving is attitude, behavior, and focus and you have all of that.

[@51249ca]

So $40k/year is actually $54k gross...then 3.5 years later making 50% more. Not quite the norm, but savings is savings.

[@bradynichol1274]

It doesn't matter how much you make. The rules apply to everyone. You don't get a pass on math because of where you live. If you spend less than you make you will have money to pay yourself(Save). But it is hard work. It takes sacrifice and dedication, and a plan. You have to get on a written budget and follow the thing. Also; being debt free and fallowing these steps is the fastest path becoming wealthy.

[@DarleneYoungartist]

Thank you for this good advice and for being a good role model. Thanks too for admitting your mistake with the handbags and for getting back on the right track.

[@joyfulcook]

Thank you for this!

[@ChanelChase]

Yes, I absolutely love this! I saved $100K as well and I just love how you are sharing your journey!

[@cherieroatz4233]

Intelligent and well spoken - love your videos!

[@tiarawhite3481]

I wish someone had have paid my education! Great video

[@eamcbmsc]

Tiara White You can get a college degree for super cheap if you plan right

[@TruLeSimple]

Thank you so much for sharing, Im going to keep listening until I get it right.

[@AfiaBelle]

Wow just found your channel.. this was very helpful! Thanks for sharing

[@farhiyaa4880]

I played off my student loans and it requires discipline. I am definitely taking the tips and going to check it out. In order to save more money you got to have a 401k, savings, plus side hustle, and cut unnessary expenses. Group economics works if you live with family It helps for single folks and single moms.

[@NaturalVeganMama1]

Thank you for sharing! Keep up this important work! I enjoyed listening and learning 💚

[@SarahNicholls]

I just found your channel and blog and I’m so impressed! Thank you for making amazing educational content 🙌 looking forward to watching more

[@chichilarsen6006]

Love it, great advice 👍🏾

[@goodnfit1]

Great job, young lady. You need 1M+ views because millennials need this information.