My Actual Expenses for a Month

[@BeatTheBush]

Here is the spreadsheet I used for the sample expenses in case you want a copy to change it with your own numbers: bit.ly/333qi95

[@RobbsHomemadeLife]

I retired this year and for the last 6 months have been trying to keep to a budget of $1000 a month while living in South Florida. What has helped is keeping a simple Budget and expense tracker to track each months expenses and then compiling the amounts in a simple spreadsheet. I regret not using an expense tracker until such a late part of my life, it is a very powerful tool. I am going to do a video next week and go over my budget and expenses for the last 6 months and encourage others to start using a simple budget and expense tracker too. I envy your health and car insurance costs. Thanks for the inspiration.

[@BeatTheBush]

All depends if you have a place paid off, you can live pretty luxuriously if you know how to stretch it and keep a good standard of living. It's all about paying less for the same service. Like my cellular bill. Or groceries where I get an effective 25% off through credit cards.

[@CharleeWayne]

Me: my expenses are pretty low Francis: hold my milk tea

[@dailyrefinement]

Charlee Wayne almond milk tea

[@BeatTheBush]

I like a good discussion on this but sometimes, when people go too crazy, I frown because I cant force myself to deprive so much.

[@darkapothecary4116]

@@dailyrefinement ?

[@mrswolls]

LMAO 🤣😂

[@georgec2894]

Would happily watch one of these for each month 👍

[@BeatTheBush]

Noted. I have a couple series to do now it seems.

[@GenExDividendInvestor]

Impressive how low your expenses are.. Get married and have kids (just for my entertainment, please).

[@MrRishik123]

kids are an appreciating asset if done right. 🤔 Hmmmm. The wife however is a coin toss.

[@Owsryudie]

@@MrRishik123 That's why I can't find one (yet) xD - I am tossing before marriage

[@wolfmancole1908]

they would actually get lower due to free labor.

[@BeatTheBush]

Lol.. if I do, it might not be for Subscriber's entertainment though.

[@twincherry4958]

Yes, need to change that 😁

[@sevarchy]

6:00 I love this, just openly telling everyone how much referral bonus he got from his viewers.

[@vevenaneathna]

good video. ive been thinking of starting a youtube finance channel and yours has been a big influence. working now and making too much money. pay off loans -> save money -> retire.... hopefully before the end of next year. all about that burn rate! everyone i talk to about money it seems their move towards financial independence is based so much more on their saving capacity rather than their income capacity.

[@CharF]

Great job!! Glad to see you having fun as well with the movie date, etc!!

[@BeatTheBush]

Lol! =D

[@twincherry4958]

He went on a date! I'm just speculating...lol

[@ollieone051]

I noticed there were no investments listed? I track my monthly expenses and I'm always debating weather you would count an IRA contribution as a bill. Technically it's saving but I still have to pay it.

[@ollieone051]

Just curious what your thoughts are on that? Obviously I want my numbers to be as low as possible but I feel like I'm cheating if I don't list it.

[@BeatTheBush]

I don't count IRA contributions as bills because it adds to your networth. Expenses are expenses when they vanish in value because you actually used it. Like electricity or you ate it like food.

[@ollieone051]

@@BeatTheBushThat makes perfect sense, thank you!

[@michelesmart4799]

Very interesting budget talk, but who did you take to the movie? 🍿 😁

[@BeatTheBush]

Ha ha! That's the thing with showing everyone my exact expense, people wonder what I did and with whom.

[@michelesmart4799]

BeatTheBush So true 🙂. Thanks for being willing to share your budget anyway!

[@djpuplex]

You can ditch DSL and upload your videos if you have a public library with good Wi-Fi within walking distance. Also visible is a fairly new cell service with unlimited everything for $25/mo if you sign up with 3 other people there is a Reddit thread with people setting up groups to get the discount, the regular price is $40/mo on Verizon network.

[@BeatTheBush]

Some have mentioned this but physically carrying data is not my idea of fun. Nor is carrying water like buying bottle water.

[@peacewin5801]

Hi Beatthebush, can you talk about this, love to hear it again from your point of view in this NBC article " budget costs $350,000 a year to live a middle-class lifestyle in a big city"

[@BeatTheBush]

That's a good one. I should do that. =D Thanks for the idea.

[@danielmak1612]

Have you thought about AMC's A-list subscription? You can watch 3 movies (IMAX included) for $25 per month. It's pretty cheap entertainment and if you have a theater nearby it'll be worth it. I like to go to AMC Newpark and AMC Mercado (they have recliners and Mercado just upgraded IMAX to the new IMAX like the one at AMC Metreon in SF).

[@BeatTheBush]

No because I watch 2 movies a year.

[@ahmedalnumairi3498]

Can you make this sheet available for download thank you.

[@BeatTheBush]

Sure. I just added it: bit.ly/333qi95

[@C.O-g6k]

Where do you buy your health insurance ? You don’t buy house & earthquake insurance ?

[@timcollins329]

I doubt he has earthquake insurance. For those of us on the west coast and faultline, it's insanely expensive with a high deductible.

[@BeatTheBush]

It's included as part of my HOA. Yes, I do have earthquake insurance. I buy my health insurance from the health marketplace as an individual and self employed.

[@twincherry4958]

@@BeatTheBush I'm surprised the marketplace is cheaper than freelancers. There's the Christian one too.

[@sonnydacuse7622]

What kind of health insurance do you have? What's the copays and deductibles? I'm self employed and I need a cheaper insurance plan.

[@BeatTheBush]

I have regular health insurance. I wont get into details as it's pretty typical. I didn't do any tricks or anything other than what I described in this video.

[@area51reviews]

It's important to save money on thing you don't care about and try to cut it out, and spend money on things you enjoy and makes you happy. I spend $150 on Movies and Music, because i got rid of my cell phone service. I use my phone on wifi and am tired of people calling me all the time.

[@ryannt]

Your health insurance is still too expensive especially for someone who is healthy. I know someone who has diabetes and his insurance costs about 330

[@BeatTheBush]

This is self employed insurance so I do not have a company to subsidize the costs.

[@BlazinTexan]

He’s also in the Bay Area. Lol where is this other person located?

[@richard1113]

Whoa... where did you get health insurance for only $264/mo? The last time I had to pay for my own heath insurance it was over double that (COBRA). Is this one of those super high deductible/high out of pocket plans?

[@sunnyc1732]

I don't even live in the US so majority of this is not directly applicable to me. But I'm still fascinated.

[@BeatTheBush]

Cost of living is supposed to be high but it’s is managed to be low.

[@JJ-yu6og]

Do u buy gifts for family or friends - for birthdays?

[@BeatTheBush]

Yes.

[@johnnyk4738]

You're so cheap I love it lol

[@PistolPete1980]

Probably why he does have wife and kids lol. Saving and making money is vanity if you don’t have anyone to share it with...

[@MrTmenzo]

Except the hoa part.

[@BeatTheBush]

I don't see how saving money is vain.

[@RBLXGaming23]

Do you think Swagbucks is a better option over Amazon's Mechanical Turk?

[@BeatTheBush]

Never tried mech turk but my image of that is that it pays very little.

[@bfoz]

Do you pay rent or is your house paid off?

[@chillinretreat5124]

You are so smart with your expenses...when I grow up I want to be like you😂😂😂

[@BeatTheBush]

Lol... it's pretty cool. When you have to actively spend to spend more, it makes it hard to spend a lot even if I tried.

[@jennyli3509]

I love this please do every month lol

[@BeatTheBush]

Every month? Oh my... I think next month will be crazy!

[@jennyli3509]

BeatTheBush it’s ok! We wanted to see your money saving tips PLUS how do you enjoy life :)

[@kevinparkerful]

Your property tax and HOA put together sounds really low... My home when I bought it it's the same price as yours and currently my property tax and HOA is about 850

[@vincentyu1245]

That is pretty low BTB. You should make a video on the Tesla ordering, what is the estimated wait time now, 2 weeks?

[@BeatTheBush]

It's around 6-8 weeks right now.

[@vincentyu1245]

@@BeatTheBush perfect, you will have it on time as your Christmas gift to yourself. You desert it.

[@BeatTheBush]

Lol. Everyone assumes I will get it. A few people say I will never get it because I'm too cheap.

[@vincentyu1245]

@@BeatTheBush It does make sense, buy new, take care of it, you get to enjoy it for 10, 15, or 20 years. I'm cheap too, but I bought a new car, 2 years ago & no regret.

[@christianmeyer4054]

What's all the net worth if you have no one to love?

[@JudithSamp]

omg i spend 85$ on groceries for at least 1,5 weeks :O wow, you're very disciplined! I think my problem is that i love food shopping ... other girls like to shop clothes, i like to shop food ^^

[@silverplug]

Me too! Something about buying nice root veggies makes me so happy!

[@BeatTheBush]

I didn't really try to get it to $85. It's just that I eat cheaply while still buying pretty much organic when it matters. I.e. bell peppers, apples but not red cabbage or avocados.

[@JudithSamp]

@@BeatTheBush awesome!

[@twincherry4958]

Cheaper than the egg diet😁😁😁

[@mariasaragias5313]

Is California electricity really that low? The fees on my electric bill are more than that.

[@BeatTheBush]

It's only a one time credit per year. Otherwise I would be about $50/month.

[@mariasaragias5313]

@@BeatTheBush Ah. I see. Still you beat me on that one. Have you looked into getting on the ACA for your healthcare? If your taxable income is less than 52000 next year you get a subsidy. I just learned this and am getting maximum next year. I'm a new early retiree living off my dividends. The ACA doesn't look at your assets.

[@BeatTheBush]

Well.. cat is out of the bag. I don't qualify for ACA even when I don't have a real job. A great problem to have to be so blessed.

[@thedopplereffect00]

No! It's about twice as expensive per kWh as the most of the rest of the country unfortunately.

[@batwood8010]

@@BeatTheBush Actually, everyone in the US qualifies for the ACA which is Federal law unless you have employer insurance. California has its own exchange called Covered California, but that is the ACA. Are you saying you do not qualify for the subsidy? Under $49,000 income and you would qualify for subsidy that brings down the premiums considerably. ACA open enrollment is right now for everyone on the Covered California website. Perhaps mixing up with medicaid, which is for low income people?

[@Shortyshrew]

BTB make sure you change your oil at least once every 12 months regardless of how many miles you drive

[@BeatTheBush]

Naw. I think the car will implode soon anyway.

[@ReimuandCirno]

You don't have home owner's insurance? I would recommend changing your car's engine oil at least once a year even if you don't do a lot of driving.

[@BeatTheBush]

Yes, I have home owner's insurance as part of the second line item. I'm trying to never change engine oil ever again since I don't enjoy doing it.

[@ReimuandCirno]

@@BeatTheBush When you're referring to that second line item, you're not talking about the HOA's insurance policy, correct? I assume you have your own separate insurance?

[@BeatTheBush]

I lump it together for privacy reasons.

[@hiitsmartin]

I'm in college and my monthly expenses is around $800. Is this lower than your monthly expense in college?

[@BeatTheBush]

Did you add in tuition? Books? Or you don't count those? I probably spent 16-18k/year in college.

[@hiitsmartin]

BeatTheBush Thankfully I get financial aid, so I don’t pay for tuition. It also covers textbook and some other expenses.

[@AliexFolgueira]

I needed this today, thanks

[@BeatTheBush]

You're welcome!

[@carlosbam3783]

Geiko is a to well known of a car insurance to have go to the ghetto side of town theres lots of cheap car insurance brokers i pay $20 liability only

[@BeatTheBush]

I see. Have to watch out for their reliability when it comes down to payouts.

[@themab9542]

Why not go for a used Tesla?

[@BeatTheBush]

Trying to hit some milestones all at once.

[@ottoong7259]

Car insurance is way too low btb. I know you use liability insurance only but get at least whatever your insurance maximum is 300/500k bodily injury, then add umbrella insurance. Anyone who get hits by you will max out your insurance when they know you are wealthy. Cheap insurance for a peace of mind.

[@BeatTheBush]

I made a video on my insurance coverage so it's on a different video. =D

[@ottoong7259]

Max liability isn't that expensive. If someone were to sue you for 100k over your coverage (because you only have 100k coverage), it would take you 416 yrs to break even saving $20/month. If you never hit anyone, you will lose, maybe $10k in premium for another 40 yrs. Just food for thought XD

[@LeastInferior0]

What do you do for a living?

[@BeatTheBush]

Used to be an Engineer. Now I'm retired. About 25% time on KZbin.

[@AussieMoneyMan]

Great video, shame I missed so many previous videos!

[@BeatTheBush]

Previous ones are pretty similar but I was averaging that monthly would cost rather than actual.

[@AussieMoneyMan]

@@BeatTheBush Great!

[@Laurik08]

Uuuuh you went to a date! ;) Your videos are so entertaining! I started watching your videos 1 year ago and I am still hooked. Haha come to Germany for a meet up! Thank you for putting so much effort into your videos! I always watch them over breakfast.

[@BeatTheBush]

Lol... a movie is always a date? I dunno. I've never been to Germany so one day!

[@RickMartinYouTube]

Medical/Dental Insurance? Suggest you establish a will/estate plan for your heirs, just in case.

[@BeatTheBush]

That's in insurance?

[@RickMartinYouTube]

@@BeatTheBush It's in taking care of medical/dental/death eventualities.

[@BeatTheBush]

I mean... I do have medical insurance. That is listed under insurance.

[@RickMartinYouTube]

@@BeatTheBush sorry, my fault

[@kgcg202126]

Really helpful video. Can you please do a video on all the things that you will use as tax write-offs from youtube? I would like to start a channel and would like more info on that. Thank you ! :)

[@SodiumGated]

How did you injury your right hand?

[@BeatTheBush]

Ha ha ha... don't worry, it'll go away in a week or two.

[@insanedrummer89]

What about investments?

[@BeatTheBush]

Investments is not an expense. It adds to my networth.

[@well.yousee4995]

I'm sorry, I've been watching your videos for at least a year, though i wanna say 3, but i have to ask - is English your first or second language? Not trying to be rude - I've just been so genuinely curious!

[@BeatTheBush]

Second.

[@Ammut6]

Loved this video! I have been thinking about Mint mobile but having 3 phones on the plan I have now would be hard to transfer over to Mint. Since you have to pay annual up front. I dont have $500 to go towards a phone bill lol.

[@BeatTheBush]

Why? Just get 3 separate plans. Do 3 months at a time? Not enough to plop on the phone plan? Where is are 1year of living costs saved up?

[@Ammut6]

@@BeatTheBush we have $7000 saved but I don't want too use it to pay for phone plans. I was thinking about trying just 3 months and see how it is

[@gagabuah]

83 for grocery ? What do you eat? Water ?

[@BeatTheBush]

I don't buy water as I use a filter. I eat organic veggies, rice, beans, organic fruits, nuts.

[@cncfan]

Do you have roadside assistance with your Geico?

[@BeatTheBush]

No. I risk it.

[@MegaJohnnycage]

Hey, any more financial statements analysis videos coming up. also first !!

[@BeatTheBush]

Oh... sure. I mean... I actually thought I went through most salaries but maybe not all combinations.

[@stephaniegonzalez306]

The link for Chase cc referral isn’t working

[@BeatTheBush]

Interesting. I think it's a Chase system issue. Let me see if I can get a new link right now.

[@BeatTheBush]

Yeah... nope... It's still not working right now.

[@mimidables]

Thanks for all your videos I been following you for while now and your video help me à lot so I even started my KZbin channel because I was inspired by you

[@BeatTheBush]

Nice!

[@slmunney7760]

Interesting. Some of the budget categories seem unrealistically low or unsustainable (grocery, utilities, $0 on purchases). You do need to buy clothes, hygiene, household and health items and even stuff from time-to-time. Also, I'm not sure how or why you would want to sustain yourself on $85 of food for a month. That said, $700 of "fun money" goes a long way in filling in some of those holes (depending on what you consider "fun"). I do think it is realistic for a single person to survive "comfortably" on approximately $2k of non-debt expenditures/month if you work at it and sacrifice (quite a bit), but his itemized budget is just unrealistic in a lot of respects for a typical month.

[@BeatTheBush]

Can’t get any more real than actual expenses. Might not be average but this video wasn’t meant to showcase average but actual.

[@jorjiang1]

wow i live in Germany Berlin, and your property tax is almost as high as my rent, it's 400 euro and includes electricity + water + heat + internet. of course i have only one bed room and much smaller than yours but it is very common in here

[@BeatTheBush]

The housing here is extremely high. So for anyone that lives in the area, paying this little is ridiculous. So it really depends on the location.

[@Hfgdksue7]

Do you have a social life? I’m sorry but I’ve noticed that frugal people like my husband and I just keep to ourselves but then again that’s just how we are

[@BeatTheBush]

Probably not too crazy on October but yes, I do go out.

[@scottydoeskno328]

I spend $300 a week on food/groceries alone.

[@BeatTheBush]

For one person? That's more than eating out at cheap places.

[@twincherry4958]

What in the clouds do you eat.

[@WhenItsHalfPastFive]

cool video. if i had to critique one thing, i think the fact that you got a bunch of money from referrals by using your youtube channel isn't helpful information to anyone regarding finance. The vast majority of people don't have 270k sub youtube channels to leverage to help their finances. I get that it was helpful to you, but whats the point.

[@BeatTheBush]

I can remove all of that from future videos if enough people like this comment.

[@Luckyboyee777]

I agree it wouldn't apply to a majority of us but it's a small number and he's just showing an example. We will be plugging in our own numbers.

[@Anewuser_6282]

So many on the platform are not transparent and you find out the actual breakdown, it isn’t what they have been portraying on KZbin

[@NabilKaali]

Great! You are an inspiration.

[@BeatTheBush]

=D

[@vtrhbr]

Hello BTB! About living expenses in Silicon Valley, is the salary you get there worth comparing to the expenses? I've heard that Seattle is the best in the US in terms of expenses vs salary. Thanks!

[@BeatTheBush]

Why link salary and expenses. If you do, you inflate your lifestyle. If you earn more, then you can just save faster.

[@vtrhbr]

@@BeatTheBush Thanks for the reply! I was thinking more about rent in the neighborhood more than lifestyle expenses though

[@BeatTheBush]

If you play it smart you can get it as low as possible while earning the higher salary. So I think the way you live will change your savings rate greatly.

[@Girroir1990]

Hello Francis; My wife and I are long time subscribers that come from Massachusetts and enjoy the new what if scenario category. My wife is 25 and I am 29 years old. We have been considering starting a family sometime soon (+2). Hypothetically, what if a couple made roughly 60k a year, 0 CC debt, 35k student debt, 300k mortgage. Thanks for all your videos!

[@Ammut6]

Well you're already off to a good start having no CC debt! $300k mortgage is scary (for my financial situation at least) . my wife and I were aiming for a house under 150

[@MrTmenzo]

You sure you'll be able to afford children and a 300k mortgage with a 60k salary?

[@BeatTheBush]

You do seem to be over extending yourself on the 300k mortgage on 60k income. Your scenario is noted and I have filed this for 'to do' video.

[@Girroir1990]

Thanks!! The student loan debt is because my wife is completing her masters degree to increase the income to hopefully double it within 2 years

[@AGhostInTheMachine]

@@Girroir1990 Nix the kids idea. Help save the planet. Forego children and save earthly resources for the common good of all.

[@WatchingNinja]

I do like to drop $200+ on experiences now and then. I love to travel. I've gone on cruises and paid for excursions that cost $100 each. I've gone to Disney and paid $200 for a light saber because that meant something to me. I e bought concert tickets for my fam. Paid for my parents cruises. But I save up to do these things so when I get to spend money, I won't have to think about it, cringe about it, or regret it later. Lol maybe retiring early isn't for me. 😂

[@BeatTheBush]

Retire early to have more time. But retire in such a way to earn money still without using much of your time.

[@silviag3798]

Does T-Rex review his steak expenses regularly?

[@BeatTheBush]

Maybe he eats a cheaper cut on most days and go with the T-bone on special occasions? LOL

[@Radiologist1991]

Mom: your expenses are through the roof Me: 1000 a month car payment you may have something here mother

[@darkapothecary4116]

Nope good older car will save you a fortune and keep you out of debt. 1000$ a payment is a fucking waste.

[@Namnamnam93]

I need to get on the same level as you

[@BeatTheBush]

=D

[@bugsbunny2357]

No, your CA property taxes are more like $800 to $1,000 a month.

[@BeatTheBush]

Lol. No.

[@Ryan-ic1wj]

@@BeatTheBush destroyed

[@0pen22]

Imagine if we see BeatTheBush in Cheapskates in a few years from now starring BeatTheBush . From Engineer to a youtuber cheapskater.

[@BeatTheBush]

I am not extreme enough for the show.

[@prettybullet9875]

@@BeatTheBush LOL You're nowhere near the Extreme Cheapskate mode. I would consider you a moderate. You're careful with expenses but still allow yourself to occasionally splurge. Extreme cheapskates do not splurge on anything.

[@BeatTheBush]

To some people I talk to that comes to my subscriber gatherings, I'm considered extreme. In a way, my expense level is pretty crazy low for living in Bay Area of California.

[@prettybullet9875]

@@BeatTheBush I totally agree that your expense level is exceptionally low for where you live,, you're very fortunate.

[@crippledgenius]

Awesome

[@BeatTheBush]

=D

[@ChrisMFlorida]

hope your hand is ok

[@BeatTheBush]

Yeah, it's fine, nothing permanent.

[@MatthewHartsuch]

Bro I'm still living with my parents and I'm 22, I literally have no expenses stacking-it-up

[@darkapothecary4116]

Better be respectful as hell a good way most people can save money depending on who your parents are. Personally mine have too many pets so nope. But nope keep your folks place clean and do your part.

[@dkgong]

Oh, don't go to Del Taco for TT. I recommend Mr. Taco off Decoto & Fremont for TT.

[@BeatTheBush]

Ha haha... I wont be doing that even monthly. Is Mr. Taco only $1.5 for 3? I was just trying it.

[@dkgong]

BeatTheBush $1/taco and loaded with meat. 😀

[@BeatTheBush]

It seems preferable because quality is much better than $0.50 taco. You have me sold but then the meal becomes $3. So I'll just eat at home unless its a social thing.

[@twincherry4958]

@@BeatTheBush 😂😂😂

[@xochigonzalez8501]

If your parents gave you food its not mooching, that's love. In my family it would be insulting to then give them money. It's as of love turned into a business transaction. Different culture I guess.

[@tonythaiger93]

I was wondering whether you give anything back to charitable organizations? That is one part that concerns me as your finance feels like me me me.

[@BeatTheBush]

Yes, I give but I do not talk about it.

[@scottydoeskno328]

Wife and kids to 5x all those expenses.....easily. Cell Phone would go from $0 to $100-$150 a month alone lol. You use DSL, what the shit man?

[@BeatTheBush]

Why would 4 people increase it by 5x unless you have 3 kids? In that case, perhaps there are some overlap costs here. My habbit of calling internet DSL, it's actually fiber at the root.

[@MegaJohnnycage]

Where's your ADSL referral, that's one of your top expense get that gone.

[@BeatTheBush]

Lol... no referral for that one but thanks for asking. =D

[@monsieurfortuna9952]

It's time to sell your house, property tax is huge.

[@BeatTheBush]

Lol, is it? It's pretty low to me.

[@shaanz2.087]

Oh em.gee... Francis.....u achieved new levels of frugality What's with THAT bandage on your right hand??? Hope your are FINE

[@BeatTheBush]

Sort of hurt myself there but it's fine. Only skin deep.

[@johnjohn40100]

Can you do your actual revenues for the month?😁

[@BeatTheBush]

Eventually I may talk about how much I earn but many subscribers are against this.

[@johnjohn40100]

@@BeatTheBush why are many subscribers against this? It gives some context to your expenses. If you're earning a million a year then, then these expenses are so small that it's essentially negligible. Whereas maybe you're earning 10 or 20k, then your expenses matters significantly more.

[@charleskimball6625]

CAN YOU SHOW US HOW TO SAVE MONEY DOING OUR OWN TAX RETURNS. MY ACCOUNTANT WANTS TO CHARGE ME $1400 FOR SMALL INCOME. I am a long time subscriber and tell friends about you. Thanks!

[@BeatTheBush]

Ok, responded to this already.

[@orangeOHJAY]

OH MY GOD!!!! YOU BOUGHT THE TESLA?!?!?

[@BeatTheBush]

I reserved one, I didn't buy it yet.

[@thedopplereffect00]

That climate change credit is such a scam. Some of the most expensive electricity in the country ($0.25/kwH) and they try to make you feel better by occasionally giving you some of your own money back as a "climate credit".

[@BeatTheBush]

It is what it is. I'm not going to hate them for it as I will just go do something else.

[@DukeFan99]

Why do you have all those 0s?

[@BeatTheBush]

Where?

[@syguzman5739]

❤ Have fun with the elephants 💛

[@BeatTheBush]

Thanks!

[@daveborchard2019]

Your health insurance sounds very low for some that’s not Medicare and a cut rate supplement. Are you on subsidized health insurance for low income people? What’s the coverage? Catastrophic coverage only? Your car insurance sounds extremely low. Do you have bare bones liability coverage? If you get sued, their going to likely sue for more than your minimum coverage. You might lose your house and other assets if you are under insured. Your electricity sounds too low for California. Are you living in the dark, like a hermit?

[@BeatTheBush]

It sounds like you think everything sounds very low!

[@jakemeals]

Is BeatTheBush also kid friendly? He is telling/teaching to adults and teens about MONEY. That's right kids MONEY doesn't grow on a bush.

[@BeatTheBush]

Usually not because the content is finances for adults. Some younger kids looking to grow up fast may watch though.

[@denisbbb218]

I don't get the point of being frugal. Why not develop a high income skill like Dan Lok said and make millions and not waste time trying to save a dollar. In your case, put that programming skill out there and make millions.

[@BeatTheBush]

You still have to spend less than what you make. I just put my spending on autopilot. It really comes down to what you want to do with your time and how much autonomy you want. Any job has a range or autonomy but most will agree, early retirement has much more including not needing to waste time commuting to work.

[@DeMolayman3308]

No gifts for friends or family?

[@NickOloteo]

only October

[@BeatTheBush]

I purposely removed those for this list.

[@dyhppyx]

Congrats on the Tesla. Lemme know if you have any questions and make sure to use a referral code to get a free gift

[@BeatTheBush]

=D Reserving it is congrats? Or you think I absolutely will get one just because I put down $100?

[@dyhppyx]

I think if you were smart you would get it and I think you also know thats the right move inside or else you wouldn't have put down a non refundable deposit. You've already proven you can live life on the cheap. Your next stage ought to be how to live life very well intelligently on a budget. Tesla definitely fits into that philosophy.

[@BeatTheBush]

I have a few weeks to decide when they make me pay for it in full. Until then, the option is open.

[@topcheese2889]

Don’t flush when u pee, you’ll save some money

[@BeatTheBush]

That might gross out some people... or if you are by yourself, no one will know, lol.

[@yvonneomiya1328]

I thought you have 6 fingers.

[@BeatTheBush]

I have 8 fingers and two thumbs.

[@LAWSON08]

Now I have to lol at the people that say they can't afford to live in Cali even on 100K+ per year.

[@BeatTheBush]

I suppose when they rent, they have to pay a lot more. My budget is pretty crazy though.

[@rasga6598]

sponsored by Swagbucks.

[@BeatTheBush]

Sponsored by all the referrals I listed.

[@holidaycelebration9993]

He looks older than his age from too much budgeting.

[@BeatTheBush]

How old do I look? Whatever it is, yes, that is how old I am.

[@DukeFan99]

Get a girl friend and get insurance from her

[@BeatTheBush]

Probably a bad reason to get one.

[@thaddeanboy]

196th!!!!!!!

[@BeatTheBush]

Thank you!

[@Je.rone_]

*Keep that up and you'll be a millionaire one day...* ...oh wait 😓 💪😂

[@BeatTheBush]

Oh... well... I never really said where I am financially, but in order to LeanFire, you need a certain amount.

[@Je.rone_]

@@BeatTheBush lol that's all true

[@AGhostInTheMachine]

@@BeatTheBush Yeah, you sort of did say it, except just not exactly the value of your house.

[@Jimmy33561]

Drives a Porsche but only has liability 🤔

[@BeatTheBush]

You equate the brand name to requiring full coverage? I determine it based on value of the car.

[@Jimmy33561]

BeatTheBush just assumed it would be worth at least 10k+

[@BeatTheBush]

Market value is $5-6k right now. 168k miles.

[@yvonneomiya1328]

I thought you have 6 fingers.