It’s Hard to be Happy When You’re Broke

I’ve been doing a lot of thinking about money lately. #moneytips
Timothy J. Ward
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[@alejandrobravo3194]

I have finally found true peace and happiness in life, and it came after I lost everything. Now I’m on my way back up, and I am moving aggressively, but at the same time have an inner calmness. You are wealthiest when you have your health and peace in your soul. Good luck everyone on your journey 🙌

[@hotelhonda3308]

❤❤❤❤👏🏾👏🏾👏🏾🙌🏾🙌🏾🙌🏾

[@IbHustln]

facts 💯

[@annacross6370]

Health is everything

[@turtleanton6539]

Indewd😮

[@sarajaved5552]

Everything comes after health.

[@FluffyBunny9002]

If money made you happy, rich people wouldn't be killing themselves through not just suicide, but overuse of hard drugs as well.

[@laurajurek4065]

I know millionaires that are very unhappy

[@MX-CO]

There are Different levels of Money and Happiness, The first level is $60,000 give or take, Where if you make less , than more money can buy happiness. And less us stressful (going without things you want sucks) Than the next level don't come for a long ways up. As in enough to not have to work. So From $60,000 per year to $300,000 a year isn't a happiness change at least not in my opinion But getting to the next level to where you don't have to work anymore, that's life changing.

[@tim46153]

Even rich people can take drugs often out of boredom and then create a habit … once the Brain is depressed from not having that high … money won’t always replace that

[@bgreg6069]

beyond of a certain level of wealthyness, more money will not make you happier, that's for sure

[@cplusmorecomments]

At 51 years old I realize that I would rather have money put away for experiences than have material things. I had to do some self analyzing to see what I really wanted and I couldn’t come up with nothing but good health and freedom. I NEEDED the FREEDOM to be able to work only when I feel like making money. The journey was a struggle but the results is being debt free.

[@rosieforChrist]

Im 37 and came to that same realization 2 years ago and been on a journey since. Downgraded life, saving money and enjoying time with my kids now

[@The_VietnAmerican]

I’m currently working full time, living in my Prius, and have zero retirement savings. I’m about to turn 50. You hit the nail on the head when you expressed a need for financial classes in high school.

[@hotelhonda3308]

God provides be blessed ❤ 🤗

[@user-fn9cs4dv8r]

My school had those classes. You can talk all day about finances, but if kids don't listen, it's useless. They taught everything, 99% of kids didn't care and learned nothing.

[@KayciazWorld]

​@@hotelhonda3308 Yes he does. Praying he provides this person every single thing they need!✝️🙏

[@williamlewis3582]

You could keep doing this lifestyle for a couple years you can be in a good position.

[@shaggyterrell8460]

@@user-fn9cs4dv8rDidn’t teach it when I was in school. Or how to bank, save, get a loan, use credit. Or social skills, work skills, ect. for that matter. They don’t teach what you actually need in school. It’s a conveyor belt.

[@DK62-o7o]

Listen to this man people!! I’m in my sixties & the game hasn’t change as far as the rules! I did everything right & do to the economy & life’s curve balls, a divorce from a man that I grew up with & help put through school until it was too late for me! I never thought after 40 yrs together that everything I worked on as a team was gone & heading into retirement. What I’m saying is even in the best conditions it can blindside you! When your young you never think what you feel like this morning isn’t what your gonna feel like tomorrow! I’m physically disabled & it’s not good enough for our government that just went through a financial tailspin because of Covid. I’m starting all over again without my health, financial safety net or even any family members alive for a shoulder ! But Thank You lord & Thankyou Timothy for showing & protecting our future with an honest, no bells & whistles, sit down!!

[@dmariebella6309]

I thought if I have a great job that pays well it will bring me happiness, peace and freedom, but what I realised was the more money I had the more money I spent so I quit my job and went from something high paid to a seasonal job that paid a lot less. I started to learn to appreciate my money by not being able to blow it on random crap that I didn't need. This is exactly the tool I needed for me, in return this made me lot more happier.

[@bgreg6069]

the more you keep, the richer you are...it's about keeping and not earning

[@keithpatterson9040]

REMEMBER IT DONT MATTER HOW MUCH MONEY YOU MAKE ....IT'S HOW MUCH YOU GET TO KEEP !!!!!!

[@jacobg7966]

Something I’ve been thinking about recently is that you can’t help others or be as generous if you have not taken care of your own finances first. Important part of saving 👍🏻

[@Kristine14]

Exactly. The more you can do for yourself, the more you may do for others.

[@charlesbonneau]

You can help others with your skills

[@cjsport1254]

We’re taught that you will be happy once you get that good job.

[@blessings4life]

I was for about 6 months

[@josiemystery]

30 here. Single woman. Tired. Depressedd. Can barely work full time. Mental issues. I know what I'm in for the rest of my life. There is no trying anymore or caring. I give up. At this point, you start to live in your own world to mentally survive. My best times are when I'm reading or dreaming. Reality is no longer where I want to "live" i just tune out go on autopilot until I can play a game read a book. I tried living in my car and I realized I need a van I can't afford. So there is my life story. If anyone reads this know you are def not alone and that sometimes its good to just let go and not hold on to what is not meant for us

[@Doesch]

i'm sorry.. 30 years is not that old yet. But in my opinion the true wealth lies in seeds for food, fruits, vegetables, herbs etc. If you can plant some, somewhere, even 'guerilla gardening', then you can at least have free food. You have the car, so you have shelter, and clothes and you could even learn how to make clothes from either plants or animal skins, might you not have any money for that. Not sure if i'm helpful but if you got food, clothes and shelter then you should mostly be good.

[@bgreg6069]

@@Doesch agree, that's how people lived and survived for hundreds of years....

[@tessa7778]

Same @josie05

[@clarejackson9769]

30 is young. Sounds like youre just throwing your life away. Even if you can only work part time. If you're careful you can make a way for yourself. You're willingly choosing to live in a daydream rather than taking control of your life.

[@jaisway]

I took my stimulus money and started an online brokerage account. I started learning how to invest in stocks and bonds. I'm up $2000 and the more I learn the more money I can make. I'm finally learning how to make my money work for me. If I can do it then you can do it. All you need is $100 or even $50 to start out. That's how they get rich! My goal is to pay off my house with my investments! Let's Go!!!

[@annaclarke7643]

Having savings in the bank makes me more content. Being free to think and live how I want to, which in my case isn’t luxurious, gives me peace of mind.

[@oldchannellll]

I have found that I am happy and content when I am doing ok or even a little bit on the lower end. But yes, being flat broke is horrible it's all you can think about. I am by no means balling or wealthy but I clawed out of being broke and the stress it relieves is amazing. I hope everyone can avoid hitting $0 in the bank. It is interesting hearing your perspectives on this, as well as other topics. Thank you Tim!

[@joannaazar7396]

Well Said! Agree

[@unelectedbureaucrat2003]

I'm -£800 right now 😢

[@Millennialmtb]

I just want to have financial security

[@TimothyWard]

Agreed.

[@bigbaby4584]

Be content with your wages, stay away from dysfunctional people, hang around people that have a purpose in life, stop eating out everyday, stop buying stupid shit that do not make u money while u are sleep,educate yourself and buy books of financial literacy, flashing cars with 1,000 a month, rims, 2,000 a month house note, borrowing money to pay off debt, and learn how to leverage your debt. The less you have, the more money you will have.

[@johnsnowwww]

“Wealth consists not in having great possessions, but in having few wants”-epictetus

[@nathanielcarreon5634]

Having enough money doesnt guarantee real happiness but at least it makes life more physically comfortable/less financial stress/more options in life.

[@Topg1]

Always save for an emergency, charity, etc.

[@xreediculousx]

We've been conditioned to "put it on credit". A safe rule of thumb (outside of a house) is if you can't pay for it in cash, you can't afford it. I've not made more than 70k in a year yet. I got out of debt (student loans, creditcard, and medical) and it's been a great decision. It was hard. But now I get paid every time a check comes in. I believe anyone can do it. We just have to pick our "hard" in life.

[@stscc2009]

Yes! I agree with you 100%. It’s not how much you make. It’s what you do with that money. I wish more people realized that by just changing their mind set they could too find financial freedom. But first you have to believe it’s possible.

[@laurajurek4065]

It's even worse when you have vertigo and you're afraid to go far from home ,because you're too scared an attack will come on ,too much anxiety, everything I once enjoyed was free but no freedom anymore with this constant fear

[@unelectedbureaucrat2003]

Beer helps with that

[@tessa7778]

Yes I have vertigo and anxiety

[@WaterMeA-biscuit]

Another thing schools need to teach is the back to basics, no-nonsense guide to living in the real world. Schools used to teach people how to garden, how to identify plants, what plants are good; which to avoid. The average person used to know basic car maintenance, now most people take their cars to the shop for simple repairs for double the price it should cost. Schools need to teach people how to change tires, how to fix a flat tire, how to change your engine oil; how to change brake pads and all fluids in your vehicle, how to cook; how to sew. There isn't any REAL self-sufficiency. Money is not the cure all way to be sufficient. Learing practical skills is priceless

[@Thagy1973]

very good point!!

[@bgreg6069]

that's the responsibility of your parents, do not expect the impossible from schools...

[@JOE-rp2cz]

No just don't send ur kids to school. The education system is designed to kill a childs spirit.

[@Astroi98]

​​@@bgreg6069​@bgreg6069 the thing is that it's both the Schools and the parents responsibility but parents are becoming lazier and stupider to teach their sons and daughters anything and it's really sad tbh and take note of this, schools are running out of funds, air conditioning and resources so is really the blame here.

[@Thagy1973]

All I want is to get caught up on my rent (currently 2 months behind) and pay off a couple traffic tickets (both for car insurance that had lapsed...DUE TO BEING BROKE!!. All this and I work 6 days a week. 1 day off a week to spend with my sons and I spend EVERY day off with them because my happiness and joy cones from them!! But the days they are not with me (Im divorced nd they live with their mom) I am in a constant state of extreme anxiety...possibility of becoming homeless is a very real possibility at this point. Both my parents are deceased and I know I have no support system. It is fuckin scary man!! And people say "just get a 2nd job"! Like Im not already working 6 days a week...every week. Its so hard to be happy when you are in a constant state of fear!! I don't care about being rich. All I want is to be able to be able to have me and my boys basic needs met (which I do pay my child support) Not gonna lie tho, I am now a couple months behind on that too. It sucks!!! I love my sons more than anything in this world. I am trying to catch up on the child support...but atm it's either pay that or prepare to live in my shitty rundown car. Sorry, I know that was a lot of info, but I needed a space to vent! Thanks

[@genesistate6950]

Im going through the same so many bills with only 16 dollars a hour i think you need to add every up and then divide it buy 30 days and dont feel bad for taking days off of work and dont feel alone cause cleary im in consistent anxiety as well as other people so keep grinding dont loose your crib hustle long as you have a job… download apps for side hustle your a man who only has to pay for a haircut women have to pay for lashes nails hair you will be fine

[@Thagy1973]

@genesistate6950 Thank you I needed to hear this today!

[@tessa7778]

Yeah I’m super behind too 😖

[@sparklemotion86]

@@genesistate6950 lashes and nails are not necessities 😂. Just be clean and presentable. For that matter, makeup is not a necessity. If it's something that brings you joy then do it four times a year or on special occasions. Nails especially fake nails harbor lots of bacteria! They are dirty! Pay a friend to do your hair if you can't do it yourself. Don't eat fast food, fast food is empty food.

[@hplifestylelessonsandfun9131]

I had a hard time finding a job. Money ca go soo fast because EVERYTHING is so expensive. I have more compassion for people now in this horrible economy. May God bless you with a comfortable life. 🙏🏽

[@kevinperkins754]

$80,000 is okay if you’re comfortable living on $60,000 because you don’t know how long your job will last. Living below your means is critical nowadays…

[@transitionsnc]

Yes. You definitely need resources. There's no way around it. This is coming from someone who was flat broke twice in her life and now has some assets. Money isn't everything, but it is a resource. It buys you time, freedom, and space from the rat race. However, you need to be disciplined in terms of resource allocation and investment. I drive an 8 year old car and live in a small apartment. my freedom is extremely important to me. If you are fortunate enough to accrue resources, don't blow it on stuff that doesn't matter.

[@PraveenSrJ01]

Hope you continue to livestream in your 50s and possibly 60s Tim.

[@nicktheavatar_]

I quickly sank into credit card debt (and I didn’t have any money in my checking account either) earlier this year (without a job) and its starts to take a toll on your well-being, especially when you hit your credit limits. At first you’re on a high because you get that instant gratification of buying literally anything you want at the swipe of your card, but it catches up quick. Once I got a job a couple months ago and I was actually able to start paying that monthly payment and extra, I felt sooo much better. Not only that, I felt much more abundant and grateful and happy that I was able to have money. Ironicaly, I’ve always been anti-money/frugal with money my whole life. I could start enjoying time with friends more and not having to penny pinch anymore. I could give money to homeless people again. I could pay for a friends meal. I can actually USE my debit card. Still paying off a hefty credit card bill, but feeling happier than ever

[@trusno7751]

We definitely are in the same boat! Working my way towards the land, & getting off the boat!

[@jeanettejamison1045]

It's was a wake-up call for you to change your thinking and enjoy your life. Always save money in a drawer at home and keep your accounts balance over a thousand dollars for rainy days. ⏰️ Stay positive ✨️ 🙏

[@harryjsingh6997]

Relatable af .

[@bonnielicollins2958]

Hey just starting your video. There’s a reason we don’t learn about money in school is part of the plan. Imagine how many people would retire early/ move out of the country or do other things that wouldn’t make the countries GDP go up if we didn’t have to work our entire lives. The government needs us working 40+ years to profit. So if we know how to save and invest and be happy without chasing the next big thing then we don’t push the system forward. I agree on comfort. That’s what matters. And to me a big part of comfort comes from free time and control of my schedule

[@TimothyWard]

Bonnie!!! I always enjoy your comments. And I agree 100% with what you said. The part about them needing us to work 40+ years to profit off us hit home.

[@bonnielicollins2958]

@@TimothyWard but we’re breaking out of that. One little piece of work at a time we’re working towards our better future not the governments

[@bgreg6069]

Do you work for the government or for some corporations? Unfortunately corporations traped the government. Corporations focus only on their profit, and the government should focus on the people's well beings. But corporatons are strong. The animal inside you (general you) chases the next big thing, you need to be stronger/smarter/more cautious than the animal inside you. It has nothing to do with the government. Actually, you need stonger government/unions showing the corporations where their place is.

[@rachiboo14]

I've always lived by 'never take out loans'. Served me pretty well so far. I'm also from Ireland so I guess that helps.

[@bgreg6069]

that's what works for most of the people

[@thegypsyking1145]

The most free I have ever felt is when I was broke and had nothing.

[@bgreg6069]

like a begging monk

[@thegypsyking1145]

@bgreg6069 the only thing is I never had to beg for anything.

[@boxelder9147]

Truth brother. The real work is keeping the money you make

[@gavinsnana]

You always share common sense vlogs. You’re so right about us being indoctrinated to work and spend, work and spend interrupted by borrowing, then back; rinse and repeat.

[@djdigital3806]

Money 💴 can’t make you happy. You make you happy!

[@iveheardenuff]

Real talk fam....I used to say when I'm broke ain't nothing funny

[@smoozerish]

Some money helps to make life run smoother.

[@targetegrat]

This video came at a good time. I tried to get rich by day trading didn't work. I had a feeling I should try to trade at the beginning of the month and sell at the end of the month. The money is starting to come in. I did pay a lot of money for some of these stock apps/subscriptions/analytics. It feels good knowing that I can consistently bring a decent profit at the end of the month. I'm finally start to get the returns back on my stock subscriptions. While I'm broke now, I know in a few months the money will be pouring into my bank account.

[@mildredstewart8906]

You are so right. We are not taught how to invest and save our money.😊😊

[@clarke7230]

My cousin has been making money as a high flying professional from the twenties and we both approaching 60 and he is dealing with divorces, maintaines and other troubles like being sued. I never had a education past high school certificates as my parents were not gonna afford it in the nineties. I have less money,no kids or place of my own but incredible happy

[@ThePeachyPathfinder]

Yes indeed! I know a lot of my coworkers who make $25+/hr and have $15K-$25K in credit card debt and are simply working to pay their monthly payments....SMH! I have a card with a very small limit (less than $2500) that I barely use (for travel and emergencies) that I pay off the balance when I use it.

[@cyndiprivott5274]

7pm enjoying your chats and so encouraging. Planing to hit the road in 10mos. Destination unknown

[@TheGirlahwlee]

Listening to you is relieving me, I couldn’t put that in better words, thanks for sharing this with us

[@Stillness-Now]

I’m conflicted on retirement savings. I do save through work and have a match that amounts to me savings about 10% of my income. The math would say I should save more but I don’t plan to just stop working completely at 65. And I come from a family where my mom is still grinding at 64 and had been saving her whole life but she don’t know what to do with herself once she retires. The talk track becomes hey work hard now and you can enjoy things later. But then that becomes the habit because you get to later and you think I’m not content unless I’m working hard. Another irony. Where did that talk track come from that I should bust my behind now and enjoy things later?

[@jenniferjemison636]

I don't believe in that philosophy at all. It's called the American Dream, and I'm not asleep, so I don't believe it(famous comedian).😊 I think you should find a way to live, sustainably, in the NOW. As you get older, especially over sixty, your health starts to change. Things that you could easily in your 40/50s become a little harder. So all that money you busted your a..for has to now take care of your health. Retirement can be so elusive today. Cost of living and inflation make it pretty much impossible to do wha the previous generation was able to do. A simple, sustainable life everyday can feel like retirement when you live within or below your means. It feels really good to know your bills can be paid and if you get sick that you can at least manage to keep a roof over your head until things turn around. Lastly, learn to be satisfied and grateful for what you have. Develop tunnel vision and run your own race. Happiness is the key. Best of luck❤

[@georgedantz3617]

I ended up using the stimulus money on paying one of my property tax bills.

[@Mike01Davis]

Thanks!

[@TimothyWard]

I appreciate the love brother!!!!

[@trusno7751]

This the one right here, I was waiting on this! Great content 💯

[@Cfchild1]

Back in the day when I was in HS, they actually did have a class that taught basic money management, was called home economics. Basic life skills, including critical thinking, aren't taught anymore in K-12 education.

[@Salty4eva]

You always come with the great insights!

[@MsRiceLifestyle]

Great conversation!

[@Lover-of_TRuth]

❤️‍🔥 I enjoyed this, thank you!!

[@sagora3114]

Absolutely awesome as always Tim thank you so much

[@PraveenSrJ01]

Investing money 💴 is definitely not rocket 🚀 science 🧬 and thank you for telling it like it is Tim 😊.

[@ajik88]

hahaha that's the title! it's not easy to be happy when you allowed the narc to eat you energy, but you come back harder. all you need is your mind and the right people around you!

[@johnkosterimages]

Glad you are finally getting real about this.,

[@PraveenSrJ01]

Car repairs are very expensive nowadays in the United States 🇺🇸 and I spent about $1,800 to maintain my car 🚙 2 years ago. Also Oil changes went up 🆙 way past inflation and now cost almost $75 for a basic oil change when it used to cost only $20 about 12 years ago.

[@MelanatednNature]

Just spent almost $500 😭 on maintenance

[@PraveenSrJ01]

@@MelanatednNature wow that is a lot of money 💰

[@Hello-iz9hl]

@@MelanatednNatureyep that’s a lot of money sometimes I feel like selling my car but then I remember I hate public transport and love the convenience of just hopping into it and go and get things done much quicker lol

[@Goldiesmellgood]

Teaching good Tim great live stream!

[@crispycaptures]

Lovin the money talks!

[@giocallejas21]

man the grind was jading me and then this video hit me. We are on that path homie

[@Topg1]

I was fortunate that savings was taught by my parents and paternal grandparents. It help me to be able to afford things for emergencies. Helped me to get out of debt.

[@Topg1]

@John's Journal Cool

[@joannaazar7396]

@ItsEchovoid Same 😊

[@Dancing_in_the_rain007]

It’s not hard, it’s impossible being happy, broke.

[@jonathanmcgovern2464]

100%. Sad how most always say income is problem don't make enough yet no one ever says their spending is problem. Society brainwashes to think success is: work+spend+spend on credit don't save, you worked hard you deserve it! Success really is work+save+invest then spend because you deserve piece of mind, options (even if you don't have huge amounts of stuff).

[@dwalker6868]

Thank you

[@antoinettej2495]

For some of us this is what our parents did and then passed it down.

[@DavidDavisDH]

I do invest money, but I also save money in the bank too. I agree!

[@dral22]

I don't usually take time to comment since the majority don't read them. However, I must emphasize that this is one of my favorite streams that you've done in regards to money and saving for more freedom. Just Epic and the level of transparency is phenomenal. You are absolutely right, investing is essentially gambling and in return you'll lose more than gain overtime. Most investors refuse to discuss that reality. I'm one of those guys that prefer to invest in myself and that means saving in only high yield savings accounts and CD's for long term. It's the safest way that works for me. I have been doing this for many years and it has done wonders. I'm a big fan of having liquid cash, while allocating my funds in different institutions. That's the way i invest instead of investing in the stock market when I don't know what I'm doing. A lot of folks act like they've mastered the stock market, I'm just not one of those guys, having to keep up and constantly be reading graphs, etc. I like simple/straightforward and I'm content with that, until I discover something that "I" really want to invest in "like buying land" as oppose to following popular high risk trends. I really enjoy your videos, the more I watch, the more I relate, even when you've mentioned in one of your other streams that you haven't talked to your mom in years...stuff just happens, etc, again, so many relatable topics while seeing myself in you. Thanks for being vulnerable and always keeping it real. Respect and more blessings 👑✊🏾

[@AG-xt6ei]

Thats a lie Life long investor here. Investing in any market is profitable. Dont follow internet money gurus

[@AG-xt6ei]

Also you can seek out an advisor

[@dral22]

​​@@AG-xt6eiAt the end of the day you don't know when you're gonna die and having Liquid Cash whenever is King. Please answer a few questions, Why would I invest in companies that I don't care about just for the sake of making profit while taking a big risk... gambling with my money? Forget the so call 8, 10% return and oh... But if you don't invest you won't be able to keep up with inflation bullcrap. Be HUMAN for 1 minute and not robotic... I'm talking about the RISK, when you lose all your money. How come investors don't talk about this often? What are they hiding?.

[@potterylady44]

​@@AG-xt6ei I feel you. The most I do is a Roth IRA with a good index fund and my employer 401k.

[@broadwaykiry]

On another note, this was very refreshing, all things I been thinking about lately as a 28 yrs old. I wish finances and the importance of money was stressed more in highschool. & then they make the world revolve around money to keep it all pumping.. no morals, lost ethics, its all crazy to me. I also think services are a rip off, oyu pay someone who knows how to do something, and then because they know how it works, they can over charge, or worse make you pay just to tweak something to make you come back.. I've come to a place I need to just learn for myself rather than to rely on the next person, at least learnt o understand i wont things better so I'm not so quick to throwing my money somewhere.

[@Kenya1984]

In 2021 our household income was 97k but we invested 52k into Roth IRA and 401k. In 2022, our household income as 125k, invested 74k. We rented a “cheap” 1 bedroom in California $2400 a month! With the stimulus checks we spent it all on flight tickets and Louis Vuitton 😅 2 international trips to Europe for a family of 3. Louis Vuitton was a dumb purchase, never again but that should last me a lifetime unless it get stolen. My last purse lasted me 12 years and I am still using it. But it’s because of my habits, not eating out, no take outs, no fast food, no coffee shops and Starbucks, I bought Starbucks beans from Costco @ $15 a bag. I bought makeup using my Sephora gift cards from credit cards hacks, we used gift cards for gas from credit cards cash back, all of clothes were purchased using gift cards, either from credit cards companies or my work place gift cards. I didn’t use my own salary to pay for stuffs besides rent. Even electric, gas, all credit cards.

[@sagora3114]

Awesome thank you)

[@angelam9495]

There was a time I wasn't making enough money to save. Now I can 🎉❤

[@rcaive0875]

My ADHD makes it hard for me to focus on what you're saying in between the shout-outs. 😆

[@laticiacook883]

It would only be too right to make it mandatory to take financial literacy classes in high school. The powers that be knows thats too much empowerment to give people in lower socioeconomic, they may begin to thrive.

[@Kenya1984]

Also habits are key to success. Small little things add up, the coffee at Starbucks and any coffee shops, why pay for a nasty cup of coffee when you can make it at home for 25 cents? That $4-$7 add up fast, the gas you spend driving there in the first place. I hear that coffee isn’t gonna make u become a millionaire, but it does it adds up, the sandwich, the McDonald’s, the chick fil a, birthday cake $40-$50 when I make it myself at home it’s only $1,50 and wayyyyy healthier, organic eggs, flour, butter, milk. I mean it’s that simple ingredients why spend $40? That muffins you buy from grocery stores when it’s only $1 for 18 muffins when you bake it yourself why pay $8.

[@kdub2229]

What U said at 42:45 is golden. That is exactly what they try to do. Keep you confused so U have 2 rely on them.

[@lori5946]

My husband had to pay 7k for his business last year. He had an accountant through the internet which they were late two years running to have the numbers for his taxes which cost him money. So now he hired a local person to do the books. He also pays in monthly for his taxes. Lot's to learn when running a business. I invested in the stock market but had some bad advise and lost money. I made money on the stuff I believed in such as NVDA love that stock.

[@lp5398]

For me best investment is paying off the mortgage then after that will be low cost index funds

[@bgreg6069]

clever opinion

[@PraveenSrJ01]

I’m off the next 4 days from work at Wegmans and using my Flex Time of 4 hours to get paid.

[@joannaazar7396]

Good conversation Tim! That’s me I have a good paying job and spend way too much. That’s again Tim ❤❤

[@joannaazar7396]

I’m still doing Turbo Tax. It’s just easier for me 😊

[@sarahprice3070]

Now I have to fucking get a side hustle tonight

[@rdsmith4982]

I love the Rain!

[@Earthtime3978]

Try living on SSDI. Unless you have a good pension, you won’t be happy at all. I lost it all and I’m by myself. Every day is a financial worry. Money IS everything.

[@AprilPvd]

I have finally learned the secret minimizing my name to meet my income. Ironically, my rent went up and right as I decided to stop drinking and the increase was compensated by the money I saved from buying alcohol. I don’t have a car so I live in an area that I can walk to most places. Even though the rent is higher, this is compensated by the fact that I don’t have to pay car note, gas, and upkeep. years ago, I stopped all the facials, pedicures manicures and eyebrow threading and I feel just fine. I take care of my own nails and seek and save so much money. I think too many people focus on the wrong things. Thanks for your insightful KZbin channel. Sometimes it helps to have like-minded individuals to listen to.

[@PedroGomez-xf3be]

Real talk 💯🔥👍

[@Diego-Designs]

I'm on disability, so I don't get a lot of money back. But I still manage to donate some of it whenever I can. I donated to the city last month because I feel I was given the opportunity to live life at my own pace. So it was only fair that I give some of it back.

[@RAJNOVA784]

It can be expensive as an individual. Sacrificing for other people can be expensive and depleting. It's difficult for families to manage resources and the expenses can deplete them. It is important to utilize budgeting, networking, being involved in education and employment that helps with finances. With proper management of finances can come stability.

[@sagora3114]

So so true.....

[@KennTollens]

I would be okay if I could work from 6 until noon, but companies want my entire life.

[@harryjsingh6997]

Life requires you to pay taxes..Taxes is 8 hours of your life in a miserable job !! To make the matter worst ….You get the reward after a tax deduction too.

[@GRINDETHIKSMIXTAPESHOW]

when u buy basic things that ppl need that is a sure return , i been investing in basic little stuff ppl need for almost 30 yrs now I lost alot for buying too much trees but that is another episode lol

[@hereweare2031]

Read some books about WW2. You will suddenly feel like your in the lap of luxury

[@waynespence9122]

Im broke right now and ive never been happier. I have just enough money per month to pay some bills and travel. I have no intention of making more money. If needs be ill fast for a few days. Its simple, very simple.

[@jasmynesartstudio]

Put money in cd ladders if you just started saving. Then move on to investing once you got a lot saved up

[@TheMidnightBandit]

One thing to always remember is that it's not your money. You're renting it. It's theirs. I LOVE your videos. You're my new favorite KZbinr!

[@Ms.MaryLouise]

Hello Tim

[@lp5398]

Saving money in a account that pays you interest is good. In the long run the interest helps your money keep up with inflation and maintain the same purchasing power.

[@bgreg6069]

this worked 50 years ago, but it does not work anymore...

[@Rjisawake]

It's the elephant in the room lol

[@carmichaelmoritz8662]

It's hard to be happy when one is disabled.

[@GRINDETHIKSMIXTAPESHOW]

wanting recognition for having a nice car just shows how immature ppl are , im good with a honda lol

[@andyholder6039]

Calm down about money, it's just another peak in the cycle. Prices will come down once the layoffs pick up speed.

[@RainbowBandana]

Without christ it's impossible to live without money and be truly eternally happy the true feeling

[@TerenceThomas-vd4rl]

I believe the western Society takes our dreams and taint them , we all want to be successful and have money , alot of us have unrealistic goals , set the bar ridiculously high , less is more in some cases

[@deborahbonner476]

At one point in my life, l had $100,000 in my hand and l did not know what to do with it. Today l know.