How You Really Become a Millionaire

Achieving Minimalism: theclareyschoolofeconomicphil...

[@TimmyCramer]

Cheap, Frugal, and Thrifty are 3 words a Woman hates to hear!! Timmy C Arizona

[@CGB.SPENDER]

She wants you to be her spender clown.

[@seriouscash]

i live in thailand. cheap frugal and thrifty here is enough to baang tons of chicks

[@sergiovasquez1893]

Girls in the US like thrifting these days. It’s trendy

[@camels9654]

I'm 41 worth about 2 mil, this is exactly how I did it. Bought a small house, no mortgage, biz makes $250k/year, which all goes into investments as my cost of living is so low. Life is good, just need to take care of your health so you're alive to enjoy it.

[@DisposableSupervillainHenchman]

Quarter million a year? Dang. What’s your business?

[@deker0954]

Well done.

[@jsnow6925]

You sound like me, except I'm 3 yrs older and worth 3M

[@aqadaptiveintelligence]

wtf are you guys doing to earn that much in this shit economy?

[@jsnow6925]

@@aqadaptiveintelligence Home Health Agency and did well with investing

[@Wokenomics_PhD]

I live in a cheap apartment. It has 8 rental units and has the lowest rental rate in the zip code. My stall has a 2016 Mazda CX5 on it. Everyone else has a 2020 and up. None of the neighbors know I own the building. I still work and work in Air Traffic Control, making about $100k plus a bunch of OT.

[@aaronclarey5870]

Nice!

[@DisposableSupervillainHenchman]

ATC? You like it? Are they at all willing to train a guy in his 30s?

[@ronaldmcdonald3965]

Do you use a property management firm to handle everything for you? I did the same as you. Mulit-millionaire retired.

[@nicolem5626]

Did you take out a loan to buy the building?

[@gendalfgray7889]

So thumbnail was about you? 😂

[@diogenes64]

Don't be so down on marriage. My wife made me a millionaire...of course I used so be a "multi-millionaire".😎

[@joediamond5933]

😂

[@tenzin3409]

Being millionaire is still good

[@Vvlogs3325]

In my early 20s, you’ve been super helpful and one of the most straightforward guys out here, I refer to you as the “bill burr” of finance, keep it up cappy

[@david2498]

Burr beds a black witch nightly. An Old sow. Cappy is an abuse survivor; bill is a simp and self hater in late age. Sad

[@jamquijano4402]

Ha, good one.

[@Managementsheltontactical]

20 years old living out my car 6 days of the week doing sales 90 miles from home making 180k a year driving home Sunday only. Crazy life style for crazy people, only crazy people can make crazy money from nothing but work and ambition. Takes a little madness to get anywhere nobody else is willing to do the things to get to.

[@Dibbz_TV]

Facts. Sales can get you there but you gotta be tough to make it. I’m 7 yrs in and will probably never make under 100K again… HOWEVER, my social skills are rough and I spend a ton. In my late twenties so gonna start saving more

[@guwopp4725]

@@Dibbz_TV doesn’t doing sales inherently mean you have good social skills

[@Managementsheltontactical]

@@guwopp4725 yes and no, you can have shit social skills and be amazing at sales because the whole conversation is on rails and you know exactly what to say or how to phrase things to keep the conversation predictable. Following a script doesn’t work that well but just knowing how to keep the convo on rails so you just say the same things consistently each interaction makes it easy. You do need an understanding of psychology though.

[@Dibbz_TV]

@@guwopp4725 What the other guy said. It comes down to the level of sale and controlling the conversation. For higher level sales (which I just started doing), there is a relationship aspect that needs social skills. However, the vast majority of sales ppl can crush it just by being a grinder and coachable. Yeah, you shoot the sh*t when you have to but e conversations are brief and to the point for the most part

[@hhjhj393]

You make money by hurting people though.

[@bigneiltoo]

People always talk about having a million but start by having $1 (no debt), then become a Thousandaire, then a Multithousandaire. The real key is when you have $100,000 net worth (being affluent). It detaches you from the hand to mouth daily grind and lets you plan the year.

[@adamturk7583]

the first 100k is the hardest

[@deker0954]

Yes

[@johnq.public3302]

My favorite winter coat is a $250 (new) coat I bought for $5 at GW. That place is a guilty pleasure.

[@DemetriT1]

Facts. I'm tall and I used to get stuff off clearance because no one buys a 4xl coat, or size 15 shoes except me. They're just hard to find.

[@w3s77]

#1 Start early, saving/spending habits in one's early 20's are worth 10x the same habits in one's 50's. #2 Always be exploring new careers. The job market is changing faster now than ever in the past and those who can pivot quickly are more likely to be millionaires. #3 $1 million is like $250k in 2000. Goal for those in their 20's needs to be $10 mil, so it's going to be a long few decades. I read and followed "Millionaire Next Door" long before FIRE, MMM, Dad Ramsey, goofy minimalist vloggers (this is not a new "movement") Both of my grandpas were minimalist FIRE who were retired in their 40's, only worked for challenge/fun later in their lives.

[@main_stream_media_is_a_joke]

Spot on. My parents lived a very simple life.....home cooked food, regular exercise......GOOD health on account of the above 2 points....resulting in practically no medical expenses, simple vacation spots close to the city, small house, no crazy expensive festivals etc. They were looked down upon by others in the family but they stuck to their lifestyle.....and all their savings were invested in long term investment vehicles. By the time they decided to ease out in their early 50's...they had 3 fully paid off houses and a fair amount of shares that gave them more dividends than their expenses. They are stress free while others in the family who splurged are now FORCED to cut down. Minimalism and simple living is something that ALL cultures were aware of in the past.....it's only after the mass production of consumer goods and easy availability of loans that people got addicted to this crappy slave lifestyle. I was an idiot who was a bit late to the minimalist party....but at least I didn't totally fuck it up. Your money or your life, The millionaire next door & Early retirement extreme were the books that slapped some serious sense into me. People really should look into developing low cost hobbies rather than depend on what the consumer culture is offering.....you end up not only developing some very important skills but also slowly decouple yourself from the consumer slave culture.

[@davidwollenberg1758]

You're smart dude very intelligent

[@tadghostal8769]

No thanks. The murder of the dollar, the destruction of an electoral system and the chaos of the economy based on everyone's reaction to the flu taught me that the only thing a moral man has left is to evade taxation without representation, and to use the funds to obtain firearms and tannerite.

[@joshcrawford7864]

What would be the best careers to pivot to?

[@w3s77]

@@joshcrawford7864 This is a function of your Abilities/Aptitude, Experience and Availability. I always had a "hobby job" that paid well enough to fund career changes, but all my careers built upon each other but were also time dependent, not always good careers due to the economic environment.

[@lawr5764]

I'm WITH Cappy on the buying of ONLY NEW underwear and socks.

[@user-yk4gd1fl4z]

Rookie minimalist.

[@lawr5764]

@user-yk4gd1fl4z Not a minimalist at all, but I managed to acquire F U money anyway. (but it took a looong time)

[@hyperteleXii]

What kind of a loser wears underwear?

[@Nobody90019]

@@user-yk4gd1fl4z Best comment lol

[@snorttroll4379]

Why not just wash it hot?

[@AZdreaminn]

Started watching your videos about 10 years ago. Followed your advice and was able to retire at 52. Military/govt pensions, medical, no debt, sizable retirement savings account and got the snip. Purchased all your books recently as a thank you and to pass your advice on to someone else. This type of mindset was the key to my success.

[@anindividual3889]

I'm about to turn thirty and you pretty much described me. I drive around in an 01 Chevy pickup even though I have nicer stuff. I drive the oldest vehicle of almost everyone I know with the most miles. I love being debt free. The funniest thing is that women hardly even talk to me. Little do they know, I have more than their finance bro boyfriend with a leased denali.

[@johnq.public3302]

You have to realize women hardly talk to anyone. They have their phones and their egos are more afraid of rejection than the ugliest guy on planet.

[@drumyogi9281]

Same. 99’ Ford Ranger. Oldest vehicle in the lot. I am an IT Consultant for the State. 403(b), Roth IRA, savings, pension, low mortgage, equity. Most of my clothes are used and I just look average. I will retire and enjoy my freedom.

[@AlaricsFather-in-Law-em8kz]

They don't care how much you have if you ain't willing to spend it on them. It's logical.

[@anindividual3889]

@@drumyogi9281 You're more likely to find a millionaire in a group of old pickup owners than in a group of new bmws. One of the wealthiest men I know drives around in an early 2000's F150.

[@hhjhj393]

As others have said, women hate men like you because you are not controllable. Women want a man they can control.

[@Toactwithoutthinking]

Went to Home Depot once 8 years ago, spent a few hundred bucks on construction work tables chairs and shelving and I havent bought furniture since.

[@darth6129]

You can find something antique that looks in disrepair for super cheap/free, finish it up in a few hours of work. Looks like it's worth hundreds. No need to visit IKEA any time soon to buy $700 furniture that comes in a cardboard box...

[@personnesenki4521]

Anyone who makes six figures and who lives paycheck-to-paycheck is doing so voluntarily.

[@mmmmmMuffinz]

6 figures is nothing now bro... You're still thinking in pre Covid times (2019)

[@personnesenki4521]

@@mmmmmMuffinz It's only nothing if you choose to live beyond your means. It is definitely possible to live a reasonably comfortable life at 6 figures if you're willing to cut out stuff you cannot afford.

[@LaMach420]

​@@mmmmmMuffinz even if you pay $3k/month rent that's still only 1/3 of your salary at $100k. You'd still have $64k at your disposal after already removing your largest expense from the equation. Truly no excuse, most people live off $40-50k and arent exactly minimalists.

[@jeffb.140]

Lots of folks are mentally stuck in their golden prison

[@redrustyhill2]

I'd be a millionaire in 10-15 years if i made 100k. I make less than 50k before taxes and live comfortable, still able to put money away. I have 20k in cash. I would have 50k but had to buy another car and a pickup because the ones i had died. Also bought a tractor and attachments for my garden

[@PS3PS3PS3PS3]

Love the content man! Subscribed!

[@Dystopia_is_Now]

If you frontload the work, investing, and sacrifice in your 20s, it's a very simple and easy life. In my mid thirties, I'm making $190k with a NW of $2.3M. I'm not a software developer just grinded away in accounting like Cappy always shills for. Never really was interested in consooming stupid shit. At this point, I wonder if it makes sense to keep growing it or try and experience the world a bit more. I recently moved out of the US and now just taking it a bit slower. When you get outside the US, you start to see how much of winning lottery ticket it is being born in the US as far as wealth building opportunities. $2.3M is enough for me in the US to live comfortably but I worry about inflation. Outside the US, I'm easily affording luxuries like nice meals or hotels. Even then, I have so much leftover I just reinvest it.

[@eightsprites]

That’s great. Good done! Wish I had that amount myself. Now… what to do.. I suggest using the 4% rule.. but only live on half of that.. and invest the rest. That would be live on 2% and get a ”pay raise” each year since the other 2% is kept in investing. Alot older, and hoping I can be on your level soon 😂. Anyhow, amazing done! Now go spend 🎉

[@misterjay4347]

I work in accounting. What is that you do to make $190k

[@Dystopia_is_Now]

@@misterjay4347 Process improvement, Documentation, ERP implementation, Accounting outsourcing management, integration project management. I'm not actually responsible for the day to day reporting anymore, but will sometimes go in and remediate a process if we have a team that is struggling. We're a global decentralized organization, with a lot of sunk costs in this structure. They really wouldn't need me if they spent the money to restructure and centralize everything with a shared services model, but that requires too much foresight and competence from our leadership.

[@Mav0585]

Totally - I did it by spending 20 years in the military, and my health and pension benefits are probably equal to that at age of 39. However I wish I would have done the saving and investing part ALSO, but never too late to start.

[@drprofessor1414]

Would it be worth getting a degree in accounting/finance today? I work at a refinery and have a considerable amount of time off, I’d like to become a CPA in Texas in 4 years by attending to WGU online

[@1983jcheat]

I'm 40 and live like that left picture. Only what I need. 😊

[@staticregret829]

You clean up well dude.

[@hayduke7801]

I read Walden when I was a teen. Years later in my 40's I reread it and was amazed at how much I had taken his philosophy of frugality and simple living to heart.

[@JohnnyDLaw]

What book?

[@hayduke7801]

@@JohnnyDLaw "Walden" by Henry David Thoreau. Written around 1830 in Massachusetts USA. It's about the author's experience on a subsistence farm.

[@Mantelar]

A sober man, reasonably intelligent, and hard working can retire by 45 if they save their money and stay away from ready made families. All of this excepts bad luck.

[@OtakuTeaTime22]

Yep, I've only been saving and investing for 11 years; my net worth is just shy of $800k. My net worth is 78x my annual expenses. Minimalism and basic bitch investing is what got me there.

[@AmericanWireman]

What'd u invest in

[@jrpark05]

When they say they want a rich man, women mean they want a man that will spend a lot of money on them. I'm doing what Cappy is describing, and I am on schedule to partially retire in six years and fully retire in 12 (41 years old). In doing this I had almost 200k in student debt (paid off, but yes, I know), and have not made more than $85K per year.

[@topdev_tech9156]

People talk about how expensive kids are but mine dont seem to cost much lol. I'm working on getting 15 more 😜😜. Having kids is cool to me haha

[@ashleybeebe5759]

Cloth diapers and wipes save a lot of money, homemade baby food, breast feed, no electronic toys or video games, no phones, clothes and books from thrift stores/hand me downs. Easy. Cheap. Someone or some people who you love so much you would kill for and who will wipe your butt for free and spoon feed you when YOU get old. Father Time comes for us all. Best to not be alone.

[@bitcoinbuyscar7875]

Your thumbnail is perfect....I'm 47 and that's definitely how I did it (on the left)

[@aterventypityp]

Gen X single mothers want you.

[@dudedude949]

That’s how I want to live on the left thumbnail…..my boomer parents think I’m nuts!!!

[@nicolem5626]

You should definitely hire a interior designer. Even if it’s a small space, doesn’t mean it has to be squalor

[@gappuma7883]

​@nicolem5626 point is to save money

[@nicolem5626]

@@gappuma7883 Not at the expense of decency. He’d rather wake up in that to save a few dollars that he doesn’t need?

[@EnjoyCar]

I like Cappy’s setup here- very clean 🤙🏽

[@TheSteeVeau]

Futons are the most uncomfortable crap to sleep on. I've joined the Cappy Minimalist Club. But, if there's one thing worth splurging on, it's good sleep aperatus. Can't put a price on good/healthy amount of sleep

[@OtakuTeaTime22]

Yes, especially if you have back or joint or various other health issues.

[@fjorddenierbear4832]

If you haven't slept at least for 14 days nonstop on a futon, then you haven't really tried it yet. It took me about 2 weeks to start to feel normal. I miss my old futon from Japan, but here in Europe it's too hard to find unfurnished apartments, so I always end up with some lame random furniture, including a bed. My current dream is to live in an unfurnished apartment of 40+ m2. Either a studio or 1-bedroom. I could be paying 500 USD for that, but asshole landlords just stick furniture in them. Assholes.

[@mickdaly2778]

Your best video yet, mid 40's in Éire. Only small car debt. House paid off and quarter mill cash pension. The other half are just as messed up here in EU as USA ;)

[@larrycheek3588]

Nice studio Dude Brah 😁

[@violetlight8138]

I haven't seen your content in a really long time. I've even had you make a custom video for me. Since then however my life has changed drastically. I built a tiny house on wheels and have lived in it full time off the grid for 11 years now. My expenses have dropped very low. Even the land I rent is cheap. Also now I have no more student loan debt and am debt free. Life is very good for me. I'm at the point I could live off the land. Yes the economic crash would affect me but not like it will others. Oh, and I'm childfree and single. Right now I'm thinking about buying a fixerupper 2nd home in Italy. Which I will do most of the work myself on. Also, I'm not materialistic and I don’t own or really want any fancy bags or clothes. Life is good.

[@JohnnyDLaw]

Im 22 rn in college n lemme tell u when i buy my first apartment the last thing i’ll trip about is furniture😂all i need is my work station,some books,my clothes and my bed

[@DavidDavisDH]

I'm doing this now. I live with family, I invest regularly and yes I don't have stuff. I actually bought a used 2007 Acura TL, I bought it with cash. I don't make a lot of money, but I'm also not spending a lot of money. I have no debt, I'm steadily increasing my networth the last few years.

[@cavetroll666]

have not driven in 5 years and ride an electric bike to my job so saving so much money there

[@redrustyhill2]

And wtf are you doing with that "savings"?

[@cavetroll666]

@@redrustyhill2 ive bought myself some cool bass guitar gear and camping equipment plus i always want to have at least 5-10k in the bank for emergencies but i need to quit 420 to save more lol.

[@goldenremnant2610]

21:30 - Hey, I’m not a boomer but I sold my lake house and moved my young family into a 2 br/2bth fifth wheel. Went from a $2K/month note to a $540/month note. Insurance and utilities is about 1/3 to 1/2 as much as well. I can’t believe Gen Z & Millennials haven’t figured this one out yet in terms of cutting down costs of housing, lol. ESPECIALLY IF YOU ARE A BACHELOR. I’m pulling this off with a wife and two daughters,lol. RV’s and 5th wheels = auto loan purchase prices BUT WITH MORTGAGE LOAN TERMS. Yes, you read correctly. When you buy an RV, the norm is a 20-yr loan @ 8%. My brand new fifth wheel (2023 model) was marked half-off, from $120K MSRP to $60K. Hence, I put $3500 down altogether on a $60K purchase over 20-yrs and my monthly note is only $540/month. Saving about $1800/month by downgrading to this from a lake home, yet I took a new job out-of-state making 30% more than I did while in the lake home. Increasing income while decreasing cost of living. The peace of mind is excellent and allows me to take my time with home buying. In fact, there is a huge business opportunity in setting up an RV park just outside of an urban zone and offering all of the amenities of a apartment complex, only you charge rent for an RV slip inside a gated, armed-security park for Gen Mills and Gen Z’s to have an affordable housing. If you make $50-70K/yr, you can go buy a new or lightly used RV for similar prices to what I paid. Your rent would be around $3-600/month and utilities in the $75-200 range depending on size of RV and life-style preferences.

[@uofuby5]

I get free tuition at Arizona State University online for doing ride-sharing from uber. It's a free scholarship. Only expense i have is textbooks. I will admit i max out student loans but i put them in high dividend monthly stocks. I pay off my unsubsidized loans first because they accrue interest during school. I then have about 40k in my investments portfolio giving me about 260 a month from dividends income I use to pay for my recurring monthly charges like Spotify and gym. Make money work for you try to minimize working for money.

[@TimothyJesionowski]

😂 never thought about investing student loans. What a world...

[@jeffb.140]

Did something similar. Student loans are basically the only way to get access to capital for young broke folks. I maxxed them out and invested everything. Two years later paid everything off and now semi-retired. All with a mattress on the floor .. Life is good!

[@drprofessor1414]

@uofuby5 what monthly dividend stocks do you invest in :D

[@uofuby5]

@@drprofessor1414 main, gain, slrc, epr, aple not apple , ocsl and I also have some money invested in nvda and soun but those last 2 aren't monthly dividend. The others ones are monthly dividend or high dividend yield every 3 months.

[@JohnMcAfee-se9ms]

I bought bitcoin and Ethereum with a bit of my student loans in 2017. I haven't paid back any of the loans because they're 0% interest in Canada, but the amount I owe is a lot smaller than my investments.

[@alexanderpoderys8059]

Looking good cappy

[@rtbear674]

I mostly play videogames in front of my desk when I'm home. So, do I even need to have a big nice place with nice view? no. Because that will be spending a lot of money in places that I don't care. I just get a room and it's enough. I rented a big place before, what I learn after 1 year is, I don't need that much space anyway. Some parts were used, the other parts you never even touch for a whole year. And it was a pain to clean. I learned my living pattern. People spends 30%-50% of their income on rent, thinking it's normal. The more you earn, the more you upgrade your rent and living cost. It doesn't have to. If people calculate my income based on my rent, I sounds like I earn minimum wage. Can't comprehend that I have enough income to pay a whole year of rent with my 1 month of income, and still have leftovers. Doesn't mean I don't enjoy my money. I have 4080 pc, and still buy some collectibles hobbies. And what's make you smile even more is knowing your whole month of living cost is only 20% of your net income. work for 1 month and get 5 months of living cost for free. Now work for 10 years. That's retirement funds wrapped. If interest - inflation >= 2%. I'm 37, I don't need to work for the rest of my life. I still do, but while I still can, why not. I just don't have any pressure to work any harder anymore. Now saving for stuff I can enjoy when I retire. What's made it possible to have almost no spending? I'm 5.3, and I look broke.

[@JohnMcAfee-se9ms]

So being 5'3" makes you eat less food or what

[@rtbear674]

@@JohnMcAfee-se9ms You can just outright remove dating from your life. And don't even need to spend money to look like you have status, because you will be dismissed by 5'3 alone. Thus waste no time, money, and effort into those.

[@JohnMcAfee-se9ms]

@@rtbear674 Oh I see. I don't mind dating because most young women in college date broke guys with negative net worths and are okay with a walk along the sea or boardwalk and a meal cooked by me. I like going outdoors or connecting with someone so I don't consider it "wasted effort".

[@rtbear674]

​@@JohnMcAfee-se9ms Yeah, go around for cheap. I also go out at low cost, still like a broke guy 15 years after college. I have buddies also to do stuff with me. I don't need to "connect" and impress strangers who I will never see again ever in my life. Don't lifestyle creep, like you have to rent expensive place to impress gf or something. Like if renting a room 800, 1 bedroom apt 1800. those 1000 a month is a lot in the long run. this is the wasted effort. Oh you get a job, you want to show that you are better than you were, upgrade lifestyle. Oh you get a raise, you want to impress your girlfriend that you are on the path to success. upgrade lifestyle. These are the wasted efforts. If she wants to stay without you upgrading your lifestyle, she would. If not, then the moment you don't have your upgraded lifestyle anymore, she's gone. in which another years of wasted efforts.

[@JohnMcAfee-se9ms]

@@rtbear674 Yes, I know you don't "connect" with women. You told us

[@gerkrulz8273]

The photo on the left looks like how my living room has been for the past 25 years.

[@pamus6242]

Now it's table and chair for gaming for us newer guys....no couch.....mat on floor is more than fine.

[@stoundingresults]

I started with an ironing board and twin bed. Boy was I happier back then.

[@FA9082]

Dapper Capper for the win 🤝

[@sal2975]

Distinguished dapper Cappy on this one.

[@johnjohnii5849]

People spend waaayy too much on things they don't need. I bought my house from my parents when they downsized. It went from them barely getting by in 2 incomes, to me thriving on 1 income. First thing I did was cut out $175 a month in streaming services and a $90 a month internet bill, which is totally unneeded with a $100 a month unlimited data phone plan. $265 a month in savings right there (over $3000 a year)! It's amazing how much nonsense you can cut out of peoples expenses when they tell you they broke.

[@JB-qt3wo]

On a sinking ship i prefer not to nail my chair to the deck. Some guys are happy where they’re hat and in that case buy a house and sit. I prefer a to stay mobile and hoard cash, put it into the market.

[@MrHDProd]

I working towards that so I can get rid a few people and start a new life 🙏

[@502Vetch]

Best thing I ever did was start my 401K & ROTH IRA at 19, I’m 25 now working in accounting & have as much as most 35 - 40 year olds do in their retirement, best decision of my life. My goal is to retire at 59, after 40 straight years of investing ! ( Biggest goal is to retire a 401K millionaire, at 24 my net worth hit 6 figures, feels great when you come from a low income family, I swore I’d be different)

[@drewdatification]

🤣🤣🤣 He sounded like Will Farrell in Elf at the beginning

[@jaylaw.7660]

Miss you, C💯💯💯

[@HoodrichShinobi]

I bought my AMG because I love it. It's my favorite part of every day. It's paid off. I'll be doing something and think man I can't wait to be done with this and get in my beautiful, fun, amazing looking and sounding car. The secret to these German vehicles is to buy them about 4 years old (peak depreciation) and add an extended 4 year warranty on it. Rule #1 never buy new. Not worth it. The warranty will pay for the $1800 a/c compressor job. You get everything in mint condition by those 4 years then you're good to go. I'll admit my house is not paid off though. That would be too impressive. If you want to talk about consumers the worst offenders are the daily starbucks/fast food people. And the people who are subscribed to 20 different online/app services. 5 years of that is enough to pay off a used benz. Also you need to do months of research to know exactly which car to buy. And try to know about the previous owner... it has to be a very calculated decision exactly like buying real estate. I get a lot of free clothes from work. When it comes to fancy I prefer to just wear Ralph Lauren. No European clothing. Europeans have the cars right, and the clothes wrong. American cars are absolutely dog💩 and I've driven plenty of them.

[@scottchelmford7136]

Feel the same way about my 996 turbo. I own it and do all the work on it myself

[@HealthyWealthy808]

I have a 2013 merc, really enjoy it - it’s an older car now but looks fresh

[@HoodrichShinobi]

@@HealthyWealthy808 yeah I went from my 2013 c350 and loved it. Once it was paid off I traded for the c43 AMG

[@ZyroZoro]

You don't even need a chair. You can put the TV and console in the middle of the room and sit on the floor with your back up against the wall.

[@AlaricsFather-in-Law-em8kz]

lol

[@AlejandraCH6669]

You just need a cushion for comfort.

[@MylesKillis]

That will be super uncomfortable fast

[@ianmoone3323]

"I just told you how to not fuck up like I did and do it better than me"

[@gordongekko2781]

Speaking as a man who has done it, THIS IS 100% TRUE! I chose the 2-year community college route (cost just a few hundred dollars a quarter, so no loan), I worked 13+ years at a blue collar job, avoided the marriage trap, avoided the children trap, avoided the debt trap, lived a minimalist lifestyle, retired from the workforce at 36, millionaire at 46. Yet I still live in a tiny 700 sqft 2 bedroom / 1 bathroom home, drive a 2015 Nissan, all my furniture was bought used or given to me from people who upgraded, clothes from Goodwill (just like Cappy), and guess what....I actually do sleep on a futon! I'm sitting on it right now as I type this, and my ex-girlfriend hated it and wanted me to replace it with a real bed. Haha! If you simply save your money, invest it, and avoid the traps, then you typically can do pretty well for yourself given enough time.

[@avasdv]

Hahaha 😂 no offense but what's the point of money if, in addition to security and peace of mind, you don't get to live well and share it with loved ones, family and friends? You sound like a miser.. and so do a lot of people in the comments, but hey I don't know your story. If you're happy it's not my place to judge.. but it is noteworthy to me the price you pay for having financial reserves and I naturally take note of what your mind chooses to optimize for. Financial security matters. That's why I'm here but to me that would be a suboptimal outcome and nothing I would be joyful about but again to each their own.

[@gordongekko2781]

@@avasdv I made a very modest income before retirement, so saving and investing was the best way for me to advance financially. I'd still be scraping by living paycheck-to-paycheck like most of my former colleagues had I not been so disciplined and frugal. So, I'd say it was worth it. As for my family, I've been managing my mother's assets for years and I actually made her a millionaire a few years ahead of me, so she's pleased with my contribution to the family. More importantly she lives just 20 minutes away and we visit every week. The purpose of my post was to validate Cappy's video and encourage men with modest means who value financial security. It can be done, but not if you spend it all away like most people do.

[@raymondnecke5806]

Most of the younger guys at work have so much debt it's eyewatering , one of the young guys hands over a full weeks pay every month to afterpay on shit they don't need ...

[@_malcolm]

This dude freaking hilarious! 😂

[@BritishEcho]

1. Spend less than you make. 2. Don't have kids you can't afford. 3. Don't major in dumb sh*t. There you go... Chuck on start saving/investing as early as you can as well. Wish I was told this years ago.

[@Ffoo_ffighter]

That will work until hyperinflation occurs. McDonald's quarter pounder up 100% in 4 years. The worst is yet to come. It's in the Bible. If you don't think what's happening is not religious,it's delusion.

[@davebathory]

Just my two cents but eating out is a massive drain over time. Eating from home and cooking basic meals will save alot of money.

[@dunmwarupreachan4567]

I just want a 2 or 3 bedroom house in the woods. Thats it. Alone and financially secure. Working my shitty job and investing in my portfolio.

[@drprofessor1414]

I work in a refinery and basically work 14-20 days a month, can sometimes get a week or two weeks off when we are fully staffed, is it worth getting an accounting degree online @ Western Governors so I can become a CPA later on in life? I just want more skills since I’m pretty stagnant at this job now

[@user-yk4gd1fl4z]

lol the highlight of my day , besides a fresh Capoy rant, is when Cox Communications shits the bed.

[@edgewrld]

there its you said it what I really save and live frugally be not a slave , FREEDOM is the goal

[@ronaldmcdonald3965]

Read the book: "The Millionaire Next Door" It works.

[@seancsnm]

At this rate I will be a millionaire by 2030 and my quality of life will be lower than ever. My mattress was completely worn out so I slapped a board down on top of it with a simple sleeping pad on top. I live with all the "luxuries" I want but usually get them deeply discounted used and at auctions. My approach is saving a lot and a combination of trading and investing. Trading profitably can take years but becomes like a second income after a while.

[@jkseraphim4]

Buy books or learn a skill instead of just playing video games. Like learn cpr/first aid, take a cooking or archery class. Read books or audiobooks while keeping your hands busy, like drawing.

[@JohnMcAfee-se9ms]

Why should he do archery instead of video games?

[@titolovely8237]

yep you hit the nail on the head with this 1. im 34, have a tiny studio apartment with a bed, a computer and table, and a couch. that's it. what else do i need? i work all the time anyway. working 5-6 days a week now, earning about 9 grand a month post tax. cost of living around $1200 a month. you guys do the math. i'll be wealthy in about 6 years. i can live like that as long as i need to. in fact, i keep seeing people complaining about how expensive everything is and i just think to myself that most of this stuff that's "overpriced" isnt even worth buying to begin with. i'll take my financial freedom over a massive house and a $80k truck. and oh no the fast food is too expensive.... well you shouldnt be eating that poison more than once a month anyway.

[@Lawtasaj]

Looking hot Caps!

[@nathanbutcher7720]

In my late 20s, I remember living in a one room apartment, big mattress on the floor, where rats would occasionally try and sneak in behind the hole in the air conditioner. Oh and the bathroom and laundry was communal with other apartments. I thought that there was no way some woman would want to come over to get intimate in this environment. I was wrong.

[@jdfreeman3485]

Lived at home most of my 20s, saved 250k, no credit cards, cash only, drove the same Honda 20 years, avoided gold diggers. 52 now, not a true multi millionaire but have cash and house paid, plus 401k.

[@bengraham5699]

why is this video only found in the youtube-search and not shown in the "AaronClarey"-youtube-channel? Only videos made 7 days ago and older videos are shown. 🤔

[@jameshowlett3921]

cappy streams most of his stuff so it's in the live tab

[@whiterabit09]

Keep putting money in your money pot.... and one day, the interest on the pot will be enough for you to live off..... how long this takes, how much this is, depends on you.

[@johnw9038]

If you account for inflation, you'll mostly be losing money every year. Keep believing the system is working though, you'll figure it out eventually

[@Eltipoquevisteayer]

The difference between have, spend, hold and produce money.

[@Illegiblescream]

I just want to have a decent place and the passive income to order fried chicken and play Minecraft for 16 hours a day. I had a damaging upbringing. I don’t think a relationship would be a good idea for me. I just want to hang out until the water wars or AI kills me.

[@atrociousanimal]

There's also a chair on Amazon that is an ottoman that folds out into a twin size couch, and then folds out further to a twin size cot. It's fairly cheaper alternative, and probably only 50lbs.

[@goldenremnant2610]

Consume less than you produce. That’s what you’ve said over the first 20 minutes. Also known as “austerity”. I also think men must stay in front of the tides of change, which means you not only save your value-added earnings, you convert it into knowledge, training, skills and scaleable assets that do two things: 1) Grow your wealth 2) Makes you less dependent on anyone else, especially society and institutions. We’ll call it “asset & wealth sovereignty”. For me, that looks like a farmstead, where I have on-going unlimited beef for consumption. Sheep, goats and chickens. Beans, bullets and band-aids.

[@tylercampbell6058]

They don’t want a guy who had a pile of money, they want a guy who spends a lot of money. Sort of like car dealers. They don’t care if you have a lot of money, they want to talk to people who spend a lot of money.

[@Blackknightcyberpunk]

What amazes me about people is they think they can't have an empty room or a room thats just has a chair and a bookshelf or a couch. Nah got to fill every room in the house with crap and for some people they feel the need to fill their house and driveway with overpriced crap. 🤣

[@dannyyous]

I drive a porsche… thats 22 years old hand me down from my dad 😂

[@Alwynizzy]

Where's the video for the guys who are over 30 under 40 who didn't get a great degree? No kids, unmarried, minimalist, just started career. Is it too late?

[@tankthepitbull520]

It depends and is contextual if your financially successful you can spend like your in congress.

[@MunchinMaQuchy]

I could literally live in a tent in the woods and be comfy. Fire cooked food, comfy sleeping bag, cell phone and im good. Women cant comprehend living like that for more then a weekend.

[@JohnMcAfee-se9ms]

How many nights did you live like that this winter

[@MunchinMaQuchy]

@@JohnMcAfee-se9ms I do it for fun sometimes never had too. A good jacket and some insulated pants, along with a sub temp sleeping bag and it's pretty enjoyable. A crackling fire on a dead quite night is like therapy to me.

[@JohnMcAfee-se9ms]

@@MunchinMaQuchy How many nights did you do that this winter

[@MunchinMaQuchy]

@@JohnMcAfee-se9ms idk probably a good dozen or so

[@JohnMcAfee-se9ms]

@@MunchinMaQuchy Sweet. It's nice when you can go back to a house and get dry, isn't it? Since you're an Aaron Clarey viewer, I assume you did this winter camping alone and not with a woman.

[@phillipchapman]

slept on a cot from 2020-2022, do the futon.

[@jakejennings5152]

10% of every paycheck from your first job through your last job into a well diversified portfolio of ETF’s would set you up pretty well by age 45 if you’re not still working at McDonald’s and you actually get a decent career going.

[@dariusenglish8134]

YET!

[@chomnansaedan4788]

My only problem is I started late. If I had started when I was 18, I'd be much closer to being a millionaire now as a 30 year old. So maybe by 40 if I keep it up, I can be there.

[@elihuyoungblood2943]

I started at 34 now 38 I'm closing to 6000k I'm aiming for over one mill when I hit 40 . And I come from a really poor family no financial literacy none I was giving in

[@wallst4fun1]

Louis Vuitton jock strap 😂

[@user-qd3hz5bw5x]

this guy gets it sooo funny.

[@CM-cy3qo]

You spend many years with the picture on the "left", THEN you get to enjoy the picture on the "right."

[@iiCounted-op5jx]

by the time you get to "enjoy the picture on the right" you'll likely already be old and frail

[@CM-cy3qo]

Yes thats possible, it might take 20 years. But trying to get there through “credit”means it’s an illusion. Those types are only smiling on the outside and financially desperate emotionally. They are often miserable, lose marriages, relationships and ultimately can’t enjoy it.

[@shroomer3867]

@@CM-cy3qo It's better to enjoy the picture on the right when you know you don't have to enter into debt for it than it is to stress about if you can pay it off and how much more hours in the office you will have to be afterwards. Also heavy stress tends to reduce average lifespan by 2.8 years, so if you wait a bit and are able to live somewhat humbly without much debt like the picture on the left for a few years and be able to afford stuff like on the right later without debt, then you technically can enjoy it for longer as well.

[@gbonikz]

Being a millionaire is considered the upper echelons?

[@sephiroth4470]

I share underwear with my brothers so we can save money on beer

[@WilliamMartinez-vq2bn]

No thanks

[@sephiroth4470]

@@WilliamMartinez-vq2bn beat it boomer.

[@NarutoUzumaki-xg9et]

You’re…..serious? 😳🤨

[@ronmc1677]

How do I like more than once?

[@bigneiltoo]

Save a million (Silver) dollars.

[@onetime3137]

When THA CAP talks YOU LISTEN YOU SOB !!!! - Sgt Tackleberry ( Police Academy )

[@JasonAdank]

aaah nice .... "youre such an asshole!" my favorite opener

[@JuancoPRoFlow]

This dude is hilarious 😂😂😂

[@Hannibhaal777]

Goodwill clothes is expensive not what it was but

[@scowlsmcjowls2626]

Thats why they call them filthy rich

[@philhenry5096]

Some people go minimalist later in life, but in the most idiotic amd evil way: selling cheap and spending aimlessly to rent overpriced flats. Sometimes so that the kids won't get anything.

[@edgewrld]

dude chill lol

[@MyTwoCents2]

When I told my supervisor I live alone in a studio.. her response was "Sad". There are 3 faults with that dialog 😂

[@TimothyJesionowski]

1. Why did you tell her? 2. Why did she express an opinion about your personal life? 3. Why is it sad to live in housing that's no larger than it needs to be?

[@2PaweL]

+1

[@ProctorSilex]

You know you're not in high finance considering second-hand underpants.

[@MnemonicHack]

Best place to get clothes from is work. They give me nice sturdy fire-retardant jeans and they pay me for it. I haven't bought new pants (except for hunting gear) for a few years now.

[@seminolewind158]

Sick of the shadowbanning!

[@USNavyVet_STG]

How you really become a millionaire? Don't get married.