How To Stop Living Paycheck To Paycheck

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In this video, I will show you seven steps towards obtaining financial freedom. Millions of Americans are living paycheck to paycheck. The goal of this video is to outline some measures that you can take to alleviate the pressure of financial burdens.
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[@stanleyjavin4911]

I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off.

[@stanleyjavin4911]

@Stacy White I found her on a CNBC market interview, so I looked her up and we begun our awesome partnership

[@stanleyjavin4911]

@Stacy White You can connect with her on what'saap

[@stanleyjavin4911]

+150

[@stanleyjavin4911]

2273

[@stanleyjavin4911]

5657

[@KrystalToddCPA]

A lot of people will watch this, get excited, and then go back to broke. Don't just watch these videos, TAKE ACTION!!

[@brunomillalaf8553]

The Cash Compass take notes too

[@KrystalToddCPA]

Bruno Millalaf agreed! Can’t trust the mind to remember all this lol

[@texanboiii562]

The Cash Compass have you taken action?

[@Ignore14]

these videos are helping to rewire my brain

[@cantonio270]

I make a budget and i always set aside 30 buck for the strip club.

[@RodasYonass]

No matter how much money you make, if your expenses are greater than your income you will be living paycheck to paycheck. People need to learn to lower expenses!

[@vacationboyvideos]

And there's a big difference between once and needs when you factor in the word expenses.

[@Henry-rp8fw]

Exactly, so many people don't understand that to save money you just need to spend less than you make, it's as simple as that!

[@vacationboyvideos]

@@Henry-rp8fw 👍👍👍😎👏👊

[@monikakonrad2951]

@Mr. R Are you able to write in a clear language?

[@user-by4gp2wj8l]

Oh, absolutely agree with you, actually a lot of people don't think about future, don't investe money and only waste,in my country it is super typical situation 😔

[@BA-mf4gi]

Introverts are naturally better with money. Because they don't NEED as much external stimulation.

[@NateOBrien]

I am an introvert

[@momgetofftheroof]

This is highly debatable

[@sgist7824]

I agree, I'm happy to read, go for walks, listen to music, cook, play board games, no need for loads of meetIng for dinners, coffees or spend loads out

[@christopherkim8391]

I can see where you are coming from with this statement. But I think the people best with money are those who have good impulse control and discipline, regardless if they are an introvert or not.

[@KellyStamps]

I agree. I have picnics alone, go for night walks, read etc. I do treat myself to a new outfit or pair of shoes occasionally.

[@danette3689]

I literally have no idea how people dislike these videos. We’re getting free content that can better our lives from him, yet people still aren’t satisfied🤣

[@DarwinzTheoryz]

Some people are never satisfied

[@traviswilliams1296]

Tell me about it. Although I only have one hater. Nates always bringing the quality

[@ShaunSurgener]

always haters.... people who feel bad about themselves when they hear this content because they know they should be doing different. Just means you're on the right path :)

[@GalacticBlader]

people are skeptical

[@ThisIsFaroq]

I literally have one hater on all my videos, they dislike all my videos lol... instead of unsubscribing or commenting on what to improve they just dislike. There's always going to be those people

[@johnmaddern3519]

Always payed myself first 10%, that was never touched, also 5%Emergency fund, and kept out of debt. Retired at 54 .

[@ReggieBryant]

My biggest takeaway is what you said in the beginning. Most people are afraid to even analyze their current position because they’re AFRAID of what they might find!! I give a lot of financial advice myself and I must say: Nate, your channel is extremely impressive. You motivate me to put out more content. Cheers!

[@theeternallearner5603]

Reggie Bryant but can you really blame them? that’s the scariest thing to do

[@christinaf8494]

55 year old lady here. Nate, I love your financial and life advice! You have helped me to understand the concept of money so much better. Please keep making videos! Your parents must be super proud of you! I hope to get my 20-something kids to watch your videos as well!

[@nateobrienwhtsapp1890]

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[@BreadChasers]

Hey Nate, I really like how you talked about running yourself like a business- this type of thinking really forces you to stop making excuses on unnecessary purchases.

[@dr.vonslifeinvesting6485]

Bread Chasers very good point

[@Sultanrx]

Live now how others won't, so in the future you can live how other can't. Educate yourself, learning never stops. Learn new skills, or, specialise in your current profession, specialities in any profession are in very much demand. Don't spend on any unnecessary things. and maximise free benefits, i.e. credit card rewards (but use with caution, it's not for everyone) Awesome video Nate, financial awareness and independence!

[@JonDavis]

Absolutely love that quote! 👌

[@CodySteckRealEstateVideos]

So true!

[@ChromeHeartSrt]

The saying is *”work now like others won’t so you can live tomorrow like others can’t” what you said made no sense lol

[@ShaunSurgener]

100%... moved to LA and made 19k my first year managed to save 9k. Next year made around 40kish and was living off $900 a month TOTAL bills.. literally saving like 75 of income. After 2.5 years I had 40k to invest in real estate. All my friends doing the same jobs were super broke and were like "how are you buying real estate we work the same jobs" hahah

[@AndreiJikh]

I'm going to send my parents the link to this video. Thank you 😜

[@NateOBrien]

I’ll send my parents a link to your video

[@quinnrsligo]

@@NateOBrien Guys like you two are making personal finance almost 'cool', which I'm glad to see

[@JonDavis]

Some great tips in here, I would encourage anyone whilst your younger to build and create like mad. These paycheck to paycheck fears get worse when your older and have more responsibilities. Make it happen now!

[@ShaunSurgener]

absolutely! live like a broke college student as long as you can! i moved to LA with 400 and no job... literally worked side gigs and made 19k my first year and saved 9k. Next year i made like 40k and had a total monthly expense of 900. Was saving like 50-75% of my income.. my first week income covered all my monthly bills. Paved the way to invest in 20 properties. It's harder the older you get and the more responsibilities you have.. but in the end it's all about numbers and you MUST make sure you are saving

[@JazminBautista]

Being practical will allow you to achieve your goals, but doing what other won't will get you success. Awesome video Nate

[@ShaunSurgener]

100% gotta do something different to have something different. I remember my couple years in LA i made such little money.. first year was 19k saved 9k, second year was around 40k income but managed to save 40k in about 2.5 years. Did my first real estate deal then... all my friends that worked with me were still broke.. they were like "how are you buying real estate when i can't afford rent".. well i was sleeping on couches, 3 guys in a one bedroom apartment.. $5 a day on food.. etc. When i told them that it was like "oh i couldn't do that".. and i was like "yea you don't have to.. but that's why i have 40k right now"

[@missmisschelle]

“If you do something stupid, well...that’s on you” 🤣😂

[@foodtastesbetterthangasoli9815]

Solid and concise message. Thanks for sharing Nate!

[@dreaugustus5761]

Glad I came across your KZbin. Very informative

[@srilakshmisurapaneni5260]

hey,i watched many of your videos and found them useful. thanks for that

[@CodySteckRealEstateVideos]

I like that the first step is to "acknowledge the problem" LOL. Great breakdown, but it's so true. You have to know where you are first in order to take steps to create passive income and financial freedom.

[@robertray8510]

Nates videos seem to be some of the only ones that aren't trying to sell you a course or a book....refreshing!

[@SirMopy]

Super impressed that you made this whole video in one take! Kudos!

[@TroyRutter]

"If you do something stupid, that's on you." Good life advice there, Nate. :)

[@elementnature3966]

Thank you very much ! I took notes on what you said. I've already running myself as a business and have a sheet for all my cost and incomes and everything that I spend and get, it's massively profitable to get better to control my financial situation. I just need to play offense now and set consistent goals and I realized that if it was so hard for me it's because I skipped my financial education ! I will just read about how taxes work in my country, how can I get the maximum benefits when I will start my business. Thanks to your help it became clear and easy to take actions on. Thank you so much !

[@afsharlady]

Love your analytical thought! Great advice.

[@MattRossOfficial]

I really appreciate you making this video, thank you ✨

[@violetgirl1996]

I love your signature fringe, ps hello from nz, appreciate your content

[@Alvityl]

I needed this, thank you so much Nate!

[@livialaven6112]

JUST discovered this channel...here I go binge watching all the videos

[@apartmentlocating]

This really resonated with me. Constantly stressing 😟 out about money and car payments... Working as a bus boy and then at Bank of America, I felt like I earned just enough, but it kept me living paycheck to paycheck. Without a college degree 🤓, I felt like those jobs were probably the best that I could do and that I would just be forever broke. One day I made the leap of faith and went after my Real Estate license. All I can say is that even if all you have is high school education you can still make $100k a year.

[@nateobrienwhtsapp1890]

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[@seytv5970]

a lot of idea i can get from you. thank guy

[@StuartTyrwhitt]

I’m definitely on my way to financial freedom! I’m not living pay check to pay check but I’m also not living financial comfortably. Still got some progress to make but I’m going down the right track 🙌

[@ShaunSurgener]

lifelong journey... especially if you are doing it right and constantly reinvesting.. you won't live comfortable for a while.. BUT when you do get to that point..that money won't stop rolling in. Keep pushing man... lets crush this.

[@JoseRojasYT]

awesome content!!! You are the best in KZbin Nate 👍🏽👍🏽👍🏽

[@antwuntrademark]

Thank you for this video. It lets me know I'm on the right track 🏃🏽‍♂️

[@mddij]

Nate, I like the educate part the most. If I knew how finance works earlier that would make such a difference. I am passing this on too my daughter, I would like to let her know how this works as soon as possible! 👍

[@ShaunSurgener]

yes the earlier the better!! never too early but never too late. Life can change drastically in a decade.. like the saying "most of us overestimate what we can do in a year but underestimate what we can do in a decade"

[@KennedyMA35]

Look forward to your videos every week Nate great work

[@eyesandearsunison6269]

Good stuff when people apply it in their lives. Keep it up Nate. 👍

[@midnightbudgets]

Thanks for the info, Mr O’Brien - have been a big fan for a while now

[@JazminBautista]

Benjamin Biesek me too! He’s always bringing value

[@bobbysixkilr9273]

Great stuff bro!

[@martins4118]

Everytime I see you drop a new video, I get excited. Can’t wait to watch this one!

[@JazminBautista]

Martin Su i agree i like the way he describes his ideas

[@WordsPictures997]

Goodness you are so ' effortlessly ' smart 🙂. Thank you for this. Especially appreciate your perspective on credit.

[@bumtobachelor1908]

I love it how you can just talk without cutting videos so much.

[@goodenoughhoney1667]

Thanks for the information

[@JazminBautista]

james goodenough he’s always bringing value to the table

[@jw7693]

I am 22 years old and have very good control of my finances. But when you mentioned not only playing defense that really hit me. Been running a great defense for about a year now, saving 60-70% of my pay every month. Time to take things to the next level and hop on offense. Thank you so much Nate!

[@nateobrienwhtsapp1890]

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[@ld8503]

Here learning from you 🙌🏻

[@LuisRamos-fk1em]

Nate, I listen to yours videos two and three times, just to learned. Your great. Thank you.

[@nateobrienwhtsapp1890]

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[@thuongphan3994]

Appreciated what you're doing and what you can do at this stage of age. Keep improving.

[@nateobrienwhtsapp1890]

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[@storytellingforachange]

Great video thanks for sharing

[@deryngarz2687]

Excellent content. This is certainly ammunition in the war against financial drudgery. Thank you for keeping it simple.

[@willmallory9085]

Great video Brother

[@lewisfx3281]

Nate back with a banger💨

[@musajallow5710]

Thanks i will follow these steps to help me control my finance and income and life..

[@nateobrienwhtsapp1890]

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[@redouteshabby2024]

Always looking for this kind of advice! I am a healthy woman a little over the age of most of your followers. I was laid off after 10 years at my job and outsourced to India. I'm now working two lower paying jobs just to still be in the negative each month and have cut back everywhere I can, but sometimes there are just no answers.

[@thomaswilke6312]

“This is not going to be an exciting video. I’m not going to crack a lot of jokes but if you want to get from where you are to financial freedom, this is the video for you.” And I thought I was here to hear some jokes

[@nateobrienwhtsapp1890]

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[@akkapoominprom2247]

Eventhought I am not in US, yours is very useful.

[@tht140ixx]

Investing in Financial literacy and awareness is soo important to break this cycle 📚📈

[@JazminBautista]

Aaron P exactly! We gotta do what others wont

[@AnnAdventures]

I am an introvert too. I dont have saving. Dont have any. Thanks to your video

[@PassiveIncomeTom]

*Great tips Nate!* 👍

[@TylerDellavechia]

Great video Nate! I've been following your channel for a few years now and I definitely consider you to be an inspiration of mine in my journey to achieving financial independence. Thank you!

[@nateobrienwhtsapp1890]

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[@joelounge713]

Another useful video

[@Frenchcoconut32]

Thank you for this!! I learn so much from you, Nate! Keep it up! I wish I had friends like you. It would be helpful to surround myself with like minded individuals !

[@nateobrienwhtsapp1890]

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[@matejsvec9105]

Defense and offense can also be applied in the portfolio construction. Dividend stocks in Utilize sector -> defense Dividend stocks with growth potential -> middle ground Growth tech stocks with profitability & strong balance sheet -> offense Growth tech stocks that are not profitable in growing industries -> speculative

[@alexandruulici-buyingfreed9118]

This was a great video, Nate! Very well structured and packed with useful information.

[@paggi93]

You’re amazing Nate! I really love your videos and content. You’re so mature for your age. You should make an app of your own. Thanks!

[@marieocean8]

Hello Nate 🐥Thank you for making this free education video!! 1)Check my paycheck 2)hide my credit card .(Until I can pay off them) use cash 💰 or PASMO (cash charge card in Japan) . so far I’m in no.2 level. 😹but hoping to reach no.6 next year!

[@ricknovotny1474]

Financial independence is obtainable by anyone! Just need to take the right steps!

[@JazminBautista]

Rick Novotny exactly! Especially the first step

[@unknowninfinium4353]

You know Nate you shoukd take pride that the bars you spit (Knowledge) helps people worldwide. Let that sink in. I used to always feel your videos were just based on one part of the world but you can take it and see if similar opportunities arise in other countries where others live as well. Thanks for everything.

[@Doctorroycom]

hey, can you please... let us know what microphone you are using ??? loved the audio?

[@AdirFeijo]

Amazing video!!!

[@kenlynch6332]

An excellent process to follow and then to Follow up at the end of the year and revamp every 3 to 5 years

[@globalmuffin2]

yes, i was planning for 5 years, but i didn't think of following up at the end of the year.

[@nikki5368]

I highly recommend PocketGuard if you prefer to use an app.

[@GriffinMilks]

Most people would be much better off cutting down on restaurants, clothing, and car payments. REALLY adds up. Great tips Nate!

[@562Omar]

Great advice Nate on cutting costs first on Housing, Transportation, and Food. Informative video.

[@NateOBrien]

THanks!

[@JazminBautista]

562Omar we gotta leverage what we make 100%

[@VioletIsBulletproof]

lol...im cutting transportation to almost zero lmaooo. well...have been for a few years. Carpool to work. pay for gas every other week. plus still live super close to work (altho pricier area so....prob need to relocate soon).

[@PeteKachev]

Love the value Nate. It's not how much we make, it's all about how much we keep!

[@traviswilliams1296]

Exactly! Cut where you can so you can grow the extra. Passive income can help speed up the process as well

[@tanunttanunt3315]

Dude made A Football Anology!!! Dope 💯

[@KlaireeBerry]

Love your insight. So intelligent especially for your age ;)

[@Turtle3000]

I wish I had this knowledge when I was coming out of High School...

[@globalmuffin2]

yay! i succeeded to put to the bank almost half of my income this month. I just need to be perseverent. thanks Nate!

[@traviswilliams1296]

Congrats! That’s an awesome start. Exploring ways to grow your money through investments is another way to reach financial freedom. Best of luck on your journey

[@globalmuffin2]

@@traviswilliams1296 thank you, but i am at the end of the road. i am 50 and i don't have much money saved. i must fight teeth and nails to be able to survive for 5 years with the money saved. right now i have money to survive for 2.5 years and i have 6 years left to save. it is my last chance. young people should know that life is very short and that the physical weakness comes over night. today i saw a dress that i want so badly, but until now i didn't press the buy button. my freedom is so much more important and i have wasted money on clothes for my whole life. now i am crawling on the floor.

[@hilelhernandez2384]

Although you said this are just some advices to get financial freedom and not a specific programme or plan to do it; I think you bring great ideas. Many people live as slaves of their expenses, so they can't really enjoy their money. We should focus on the way we spend (or waste) that money and making it produce more and more. Healthy credit score is another goal in this video 👏🏽

[@nateobrienwhtsapp1890]

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[@kyleklaus]

This is great. Nate you do an awesome job explaining this. I've just started subscribing. I've also started making some videos like this myself on my channel since I've learned that a lot of people need help with things like this.

[@thenorthpolecompany1113]

Will check it out

[@juniorsantiago8187]

He does do a great job explaining things

[@kyleklaus]

@@thenorthpolecompany1113 Thank you!! Please do - I talk about passive income, finances, and being able to do it while being able to follow your passions as well. Thanks!

[@kyleklaus]

@@juniorsantiago8187 Yes, he does. I'll take some pointers. Right to the point.

[@AbrahamAlesna]

What do you think of the m1 borrow feature to leverage credit and inflate potential earnings?

[@TheWealthPrince]

Love watching your videos and I'm happy you're making people aware of what's going on, nice breakdown! I had a 9-5 and was struggling because of my lifestyle, now I don't have a job but I don't live paycheck to paycheck anymore because I make much smarter decisions, it's way less stressful.

[@NateOBrien]

Happy to hear it!

[@luxurybuzz3681]

How did you get out of the 9-5 rat race?

[@BriNathanCollins]

A tool that I use for budgeting is the Every Dollar app by Dave Ramsey.

[@sameich2631]

Nate O'Brien do not know how else to get ahold of you but just saw a recent post on Facebook of someone sharing one of your older videos. I thought cool cause I watch you all the time. Click the link and she had it so you had to put in your info to watch your youtube video! Was very unpleased with seeing someone try to make money off your hard work. I reported the post and got it deleted but please be aware of this! I really enjoy your content and would hate to see others steal it from you for their own personal gains. Thanks for all you do and keep up the great work!

[@NateOBrien]

Such a shame. Thanks for the heads up

[@vacationboyvideos]

Most people choose to live paycheck to paycheck! I don't spend any more or less money on any given day of the month because I "just got paid" my bills are paid and the rest stays in the bank and any extra after a few months goes into investing! I buy "extra" with a credit card and my credit card bill is also auto paid. I don't even "budject" but I always have EXTRA $$$$ left over. What u see is a problem? People who "Waite" on there paycheck. And what do they do when they get paid? Spend it on "wants" I can buy "wants" any day of the week! Because I have a lot more in bank then I live off of in one month. There is a LOT of things I want and I can buy them any time! THAT is fredom!!!! But the difference between that and someone else.... Does someone else tend to buy the stuff they want... While someone like me does not. (Even though I could afford to any day of the week) there are people that blow money and there are people that save money.... But as much as you can't get a spender to save..... You also can't get a saver to spend! Someone could hand me $20,000 right now.... The entire amount would go in the bank!!!!!! I wouldn't even spend 20 bucks!!!! Poverty is a state of mind! And it's most of the time a choice! Hence I said "most" of the time! You have people coming to America from other countries with 50 cents in their pocket!!!! 20 years later they own their own home and their own business!!!

[@DavidNipps]

Stop buying things that you don't need, to impress people that you don't even LIKE! Great video, Nate!

[@soulassasin705]

What credit card did you use to get those travel points? Thank you for the vid 🤍👍🏻

[@Bluponi]

Great job Nate... you are much smarter than I was when I was 21 years old... Just like losing weight, where you have to burn more callories than you take in, you need to go on a financial diet too... spend less than you make. I have been saving 33 percent of my income since I was 18, I'm 48 now

[@Squintillions]

*On the road to financial freedom. Got spending under control. Got savings and investing on track. Time to increase income!*

[@Sara_and_Keaton]

I love how you fix your hair here and there:-) nice videos btw

[@MRZEROTOINFINITY]

I like #4 Education. Continue to learn every single day! The more you learn the more your net worth grows 📈🚀😎

[@jadiecakes3241]

I would love to see you review the barefoot investor. I think that would be really interesting on this subject. (if you do read it, Super or superannuation is what we have instead of like 401ks etc, except it has a lot of rules around when you can access it, just in case you didnt know, took me so long to work out what a 401k is haha)

[@joshuabradford8206]

I'm surprised no finance channels ever talk about secret shopping to save on food

[@steventabor8853]

I’ve really enjoyed your videos and I’m learning to have better and smarter financial freedom for that but I wanted to ask the question. If you were in a situation where you feel your not happy with the job or career and to be happier with a new career you would have to take a pay cut in order to leave. How would you approach that situation if you don’t mind me asking?

[@cristinamcdaniel6460]

I have to drive 40 miles to and from school but i saved a little bit of money by carpooling with others in my class who live in the same area so that is an option

[@JVceo]

Great video. I'm going to do a similar video on my channel with a twist! Keep them coming. Great work.

[@eannsingh]

I mean, living paycheck to paycheck is real life 21st century prison. I have never accepted the notion that we were here to work to live and live to work without no ending

[@mihaelapascu4484]

I honestly believe that a big problem is that people in general tend to spend even more if they get a bigger paycheck. O have friends who do that instead of saving more money. They will just go and spend even more and then complain they don’t have enough money. I tend to go the opposite, the more I have the less I wanna spend. :))

[@NikoLeon]

I will post this every single time you post a video in 2020 as an acknowledgement how meaningful your videos have been to me. The more likes the more people are acknowledging you too man. #8

[@Justin-ax]

Nate, such a guy

[@WillReil]

I like the watch Nate, what is it?

[@NateOBrien]

It's an old Hamilton masterpiece

[@WillReil]

@@NateOBrien Beautiful watch face, was it passed down to you?

[@vacationboyvideos]

Love BELOW your means and see what u got left over each month...if u don't have extra extra...u are not living BELOW enough! 👍