" you don't need to spend money, just because you have it" PREACH. Thank you for this video natalie!!!! Love these tips
@SamElle4 жыл бұрын
I’m forever grateful when you put out more business and finance oriented videos!!!
@NatalieBarbu4 жыл бұрын
I’m so glad you find them helpful!
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@IsabelleMichelle4 жыл бұрын
I love that you're openly talking about money and investing, especially as a woman! Not many of my girlfriends are interested in investing and its refreshing to have a woman talking about it! :)
@NatalieBarbu4 жыл бұрын
Completely agree!! We need to talk about it more.
@wanderingwithyanvlogs4 жыл бұрын
me too! it's about finding multiple sources of income!
@tracy_cakkes4 жыл бұрын
Definitely! Same here! I can talk about it all day with my stepdad but my mom zones out lol
@vica42133 жыл бұрын
4:07 - video tips begin here. xoxo
@allthehui4 жыл бұрын
Another thing about investing is that when you keep your money in a savings account, the interest is actually lower than the rate of inflation, so unless you diversify and INVEST you will actually lose value over time 😖
@allthehui4 жыл бұрын
Even if it is high yield!
@NatalieBarbu4 жыл бұрын
Yes agreed!!!
@Ribbonnest4 жыл бұрын
At least it’s safe. The stock market has blown this year I have lost a ton
@wanderingwithyanvlogs4 жыл бұрын
yeah that's a really important note, a lot of us (aka me in the past) don't factor in that inflation is an ongoing thing and that our money won't be the same value it is in 10 years
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@isabels53154 жыл бұрын
Have you shared a budget template on anything? That would be so helpful for me!!
@KajaKubicka4 жыл бұрын
I really love your finance oriented videos!
@honeypotfilms60664 жыл бұрын
me: in highschool also me: well it’s never too early - honeypot films
@NatalieBarbu4 жыл бұрын
Never!!
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@cm62254 жыл бұрын
One thing that I’ve learned so far in my 20’s is that if you don’t have the money to pay back a medical bill or some other kind of unexpected expense, call the company and inquire about payment plan options. And be honest about what you can afford to pay per month. WAY better than letting the bill sit and go to collections.
@karencabral31024 жыл бұрын
I love that you talk about money so openly ! It really needs to be spoken about more
@AN-sx8xo4 жыл бұрын
I don’t remember how I found your channel but I am sooo glad I did bc you are the change we need in this world. Talking about REAL issues and REAL solutions instead of pointless drama or consumerism! Keep doing what you’re doing girl! I see big things coming for you! (:
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@briannalyn4 жыл бұрын
I have no idea why or how I stopped watching your videos, it was not intentional, but I found myself randomly thinking about you. God put you heavy on my heart, so here I am, at midnight, binge watching, liking, and commenting on your videos. Much love for you, you are such an inspiration.
@FoundSheep-AN3 жыл бұрын
Was it God?
@joymae4 жыл бұрын
I think I have made all these mistakes in my 20s. I swear your 30s just keep getting better...at least I've heard.
@NatalieBarbu4 жыл бұрын
Yup made most of them too! Haha
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@JenLauren4 жыл бұрын
okay i NEEDED to hear this!!!! love how transparent you are
@CarasPlace4 жыл бұрын
Here from Kelly Stamps ✨ hey Natalie. Great tips! Thank you for sharing.
@emstarrr864 жыл бұрын
these videos are so helpful!!! thank you! i’m so clueless about investing but i wanna do it and don’t know where to start
@Originataly4 жыл бұрын
I am now 27 and working in accounting. I also track my expenses in excel per paycheck not per month. It’s very helpful! My biggest financial mistake was spending my financial aid money on a boob job in my early twenties lol I had to get student loans for the last two years of college and now have that debt and I could have had debt less in student loans if I used the money correctly. It’s the only debt I have now but I’m gonna get it gone soon!
@brubie5354 жыл бұрын
Yes I second the excel per paycheck budgeting method!! I do this and it's helped me pay off all of my student loans and my car! Really helpful to see where your money is going and what bills you need to pay each paycheck
@Originataly4 жыл бұрын
coco marineblu lol Im glad 🤪
@maysen774 жыл бұрын
I love this type of video and the emphasis on WOMEN doing important things with money🥳
@vidahappy-frugalspanglishv15284 жыл бұрын
You are so right! Even the $1000 emergency fund to star with is better than nothing, and then you can work on the 3-6 month emergency fund after... just so you don't rely on using a credit card when something comes up. Great video!
@wanderingwithyanvlogs4 жыл бұрын
Great video! I think one of the challenges is also like trying to weigh up should we be kind of "using the money" for experiences / lifetime adventures vs saving up for houses etc that will put us on a steadier path in the future. There's always that conflict of like which is better, or how at least should you have a balance? I spent almost the past 10 years living in different countries, from NYC, London to Hong Kong (now I'm back in Australia) working in fashion marketing, and there always will be that kind of internal conflict of whether or not I should have been more financially savvy (as my peers have houses and stuff now) but I'm also incredibly grateful for my experiences too. So yeah that's kind of the internal conflict that I'm sure everyone has too, how do you balance between having that financial awareness to gear up and start building towards a path of stability, while also making the most of your 20's (where you might have least responsibilities - in terms of mortgages etc), and you know experiencing everything you want to...
@KristaCannady4 жыл бұрын
I honestly LOVE budgeting and taking care of my money. Makes me feel so accomplished!
@jairem57104 жыл бұрын
I just turned 25 and growing up I was taught by my mom to save my money and put it in a savings account. I really wish I had someone tell me that investing my money was the wise thing to do when I was 18. I guess better to do it now then later on. Really glad I found this channel! Thanks Natalie!
@lvega56063 жыл бұрын
Normally I'd say you're still so young you didn't waste much time, but the last 12 years has been incredible for the stock market. Dow has multiplied by 5 (and more than doubled since the peak in 2007 before the crisis). But over the long haul, the market should still increase quite a bit. I'm hoping 10% average annualized. So every decade, on average, your money should double (net of inflation). That means every dollar you can invest in an index fund etf now should be worth $8 in today's money in 30 years. A $5 sandwich is a $40 sandwich if you could have invested the money instead.
@heydahye4 жыл бұрын
Great advice as always!!! Would love more financial tips related videos in the future. xx
@LayneFable4 жыл бұрын
love this video! and LOVE robinhood also, idk if you have a video going in depth about this but how did you find your manager / your manager find you? would love any insight! xxo
@deryamelody54234 жыл бұрын
I think I remember her saying in a video that the manager reached out to her 🧐
@hafsaa34 жыл бұрын
these are my favourite type of videos from you
@amyk30203 жыл бұрын
Great advice on so many levels. The rent question is big one....can't believe the prices especially in the Tri-state (NYC/CT/NJ) area. After living in 5 states there are so many places that are more affordable and can still allow you to work remote and you do need the passive streams. Love Robinhood...
@BriaArseneault4 жыл бұрын
wait i didn't know you used to work at american eagle!! i currently work there and its SO hard to not use our discounts when we get new product haha
@sophlizabeth4 жыл бұрын
Any beginner credit cards you recommend? Especially for racking up miles?
@FashionbyMer4 жыл бұрын
this vide was sooo helpful! i love how you really broke it down and explained everything :)
@tinisha2014 жыл бұрын
I really enjoyed watching this video! super insightful
@AmandaFiorina4 жыл бұрын
I love your money videos, you actually make it exciting to watch
@NatalieBarbu4 жыл бұрын
Aw yay this is so awesome
@rileymeektibbs4 жыл бұрын
Do you have any advice on getting your partner (boyfriend) to budget as well?
@carolines22324 жыл бұрын
Besides realestate, what other things do you think are worth investing in? 😊 PS love these money videos so much they are so helpful thank you!!!
@daniellewhitt50554 жыл бұрын
Where was the video of starting a side hustle i couldn’t find it? But love the money talk videos!
@innovatxon4 жыл бұрын
Great video and key points, especially for women to uncover! You don't need a finance degree to be an investor, just need the desire and willingness to discover how to make it work for you, your future and your lifestyle ✨
@Blaberbomb12084 жыл бұрын
im starting with one month of salary for emergency fund. small steps matter
@claudiaaa42684 жыл бұрын
These are all great tips. Also, few weeks ago i dowloaded Mint. I always say i dont buy cloth so i put a 40 dll a month budget. So last month i showed i spent $160 on cloths😬 i couldn't belive it. Turns out it was also part of my brothers birthday gift but i had forgotten already. I also have 20 budget for coffee and it turns out i spent 60. I had forgotten already. I recomend an app if you tend to not stick to a budget like me.
@eliashleyy4 жыл бұрын
Love how inspiring your videos are!! I've been watching you ever since you were in college!
@NatalieBarbu4 жыл бұрын
Thank you so much 🥺
@IslamicStoryPresent-fv5hc4 жыл бұрын
Great
@sarabianchi50914 жыл бұрын
Can anyone recommend any good books to build a good education in the financial field? Thanks ✨
@lvega56063 жыл бұрын
This is an older book (published in 2000) so there have been a lot of technological advances since then, but The Intelligent Asset Allocator, was very helpful to me when starting my finance career. And actually, the Investopedia website. I still use it for reference.
@michealmorgen82374 жыл бұрын
As the economy crisis keep rising,one needs to have different stream of income, one needs to have a diversified portfolio in order to survive
@wanderingwithyanvlogs4 жыл бұрын
totally agree! not just be reliant on one source
@FNFilmsPhotography4 жыл бұрын
You have listed up some great points! Definetely trying to consider them!😊 Investing in stocks may could bring you a lot of money but also could ruin your whole existence! - you NEVER know whats coming in the future - be careful guys its not easy money its super risky!
@maysen774 жыл бұрын
Yes which is why you just treat it as throw away money. (still trying to be smart with the types of stock you invest in of course) And if you get something out of it then it’s a win. But if not then you’re not missing out on anything.
@lvega56063 жыл бұрын
If you invest in a diversified, low cost, index fund etf (like IVV) over the long term you will almost certainly not lose any money. Over only a couple-year period you could. If you keep it in there for 15, 20, 30 years, though, you should not lose anything, and on average, your money will multiply ×8 after 30 years (assuming normal inflation of 2-3%). If the market is down after a period of 15 or more years, then the world would have to be having some major problems, like basically be coming to an end. If you choose to keep the same money in a savings account, paying close to 0% interest, inflation would erode the value of your savings by 50%. Would you rather multiply your money by 8 or cut it in half? It's easy to invest. Open an account with any online brokerage that charges $0 commission. Put your money in a diversified index etf. Add to it every once in a while - maybe each month. Let it bake. After 30 years, look at what you've got. Remind yourself every time youre about to make a nonessential purchase that the opportunity cost of the item is actually 8 times the sticker price, since you could put it in your index fund instead.
@bebeerin4 жыл бұрын
a good reason to push anyone on the fence about starting to invest is to understand that you NEED to invest simply to keep up with the rate of inflation every year. if you just leave your money in the bank, then you're actually losing money every year due to its new lower value. your savings or checking account interest cannot actually give you a real return on your money when it can't even keep up with the rate of inflation. savings and checking account interest rates are the lowest they've ever been and they're not going to drastically improve. whereas if you were to do even a safe investment like a broad index fund of the top 505 companies such as the S&P 500 without even investing in a single other stock, the average annulized total return for the S&P 500 index fund over the past 90 years has been around 10%. meaning even if you were to only invest in this one broad index fund, you would turn a 100 thousand dollar investment into 1 million dollars!
@NatalieBarbu4 жыл бұрын
This is so so true
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@EvaAntonia14 жыл бұрын
Thank you for these tips and this advice :)
@sophlizabeth4 жыл бұрын
Just turned 30 and I’m just learning about all of this now 😖
@jackiek41594 жыл бұрын
I have done most of the things that you've said and have gotten better at managing my money over time! These videos are soo soo important! Loving your business and money videos girl! 🙌🏻💞
@AlissaintheCity4 жыл бұрын
Such a great topic to discuss, especially with a younger audience! I use Stash which is very similar and I love it. I have automated investments to ETFs every two weeks and I don't miss the money at all because the amount isn't too high or too low to make 0 difference. You literally just watch the money grow! So easy.
@alexandram4 жыл бұрын
This is so helpful! I always have been a big saver and just always assumed that was the best thing to do until I started watching videos like this and listening to podcast! I definitely wish this was talked about more especially in the education system. Loved the video 💗💗
@NALBATRAVELS4 жыл бұрын
I’m so aligned with your tips. I do most of these things already but it’s just reassuring to see that other people think the same. The point about rent resonates with me so much. I’ve been living in apartments “below my possibilities” for a few years now because I can save so much this way, but sometimes I get jealous of people living in super amazing apartments - but I know I’m doing the right thing. Always interesting to hear your point of view. Thanks for sharing!
@Asshlaay14 жыл бұрын
Sorry if I’m late on this, but what is Natalie’s ethnicity? I feel like I’ve seen them say they’re Brazilian but i could be wrong
@stephaniesaviano5054 жыл бұрын
Which credit card do you use? Always trying to find the best one to maximize points!
@NatalieBarbu4 жыл бұрын
I have a chase sapphire and also American Airlines one!
@stephaniesaviano5054 жыл бұрын
@@NatalieBarbu Thank you for responding!! :)
@blancaah64 жыл бұрын
Why do I have a sense of deja vu?
@bricheese4734 жыл бұрын
Love these videos! I think for a lot of young women its intimidating to rely on this financial/ investing advice from men who try to make it sound more complex than it is to boost their egos 😂
@SamFerro4 жыл бұрын
you are serving LOOKS today. so classy & sophisticated
@NatalieBarbu4 жыл бұрын
Ah thank you!
@alexncaceres4 жыл бұрын
I’m watching this being 25 and being like wow I’ve made a lot of these. My biggest one was in college I was notorious for putting big expenses on my cards for the sake of being able to do things. Luckily I never let it get too out of hand and have since paid them off but I was definitely heading into big debt fast.
@IslamicStoryPresent-fv5hc4 жыл бұрын
I am fascinated by your words saying something inspiring at seven...Really, seeing this, I kept remembering my dreams that I have to fulfill them....
@tracy_cakkes4 жыл бұрын
I’m already doing all of these things (business major here lol) and I can say you were straight on the money on everything in this video Also your looking to buy a house? R u staying in NC or going back to NY? 🧐
@carole22164 жыл бұрын
You’re looking to buy a home?? I heard you sneakily slip that in girl!! Does this mean no more nyc apartments in the future?
@wiktoriabadora12434 жыл бұрын
she said before that she's buying to rent, not to live there
@alliec25494 жыл бұрын
Are you in Charlotte!? Hope you’re staying safe!
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@MeganMuise4 жыл бұрын
Omg I needed this
@reneeramoleta62622 ай бұрын
Number 1 is so dangerous. You’ll not recover it.
@Aripoma4 жыл бұрын
If you are interested in investing but don't know where to start google "3 fund portfolio". Its a super easy way to invest and you can automatically pull money from your bank account and just constantly invest without having to worry about. I recommend Vanguard for your brokerage account, but there's many more!
@AlexandraAnnette4 жыл бұрын
i need to invest but im also scared 😟
@stephaniedasilvaox4 жыл бұрын
If you happen to read this, You are amazing You are wonderful You are beautiful You are worthy 💞 *small youtuber here*
@faith_made_me_strong4 жыл бұрын
Love the topic girl! Cute vid🤩✨
@robertlarrisson25754 жыл бұрын
I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........
@valeriaaguirrem4 жыл бұрын
hi!
@angelrodriguez76474 жыл бұрын
Make a what a spend inna month so graham stephan can react to it
@mirandaalexis4 жыл бұрын
that savings account important
@hestiabeukes95654 жыл бұрын
Also not working towards your dream in your 20’s making someone else rich and waking up in your 30’s..
@joannatiller73854 жыл бұрын
this video was calling my name.
@sarg54494 жыл бұрын
Investing your money right now is VERY risky and our economy could very possibly collapse any day now. Also, owning a home and being a landlord is incredibly stressful. Things break, tenants don’t pay or destroy the place and it’s 100% your responsibility. Not to mention, as a landlord you can’t evict anyone right now for non payment.