My Honest Thoughts On Minimalism, MLMs, The FIRE Movement, And More

Chelsea answers your questions on some of the most controversial topics in the personal finance, digital, and political worlds. Want to hear more on Minimalism? Check out this 3-Minute Guide: • My Honest Thoughts on ... .
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[@thefinancialdiet]

Tasha from the Lifestyle Fix shares her thoughts on what Minimalists get right: kzbin.info/www/bejne/aqLbfaynaL-iqpo.

[@janethockey9070]

The Financial Diet Please do a seminar tour!

[@radagastbrown9001]

Pro tip: don't put your clothes in the dryer and they will last for decades.

[@Aubxee]

"These are human issues. These are not political issues." 👏🏻👏🏻

[@ctcboater]

They are both. On another note, you say that your consumer choices don't make a significant difference. That's a Tu Quoque fallacy. You can't change the macro environment without changing the micro environment. You don't have to be perfect, but be aware that you are the master of your actions and the results of those actions.

[@maryelizabeth5393]

It is impossible to eliminate student debt. The debt will become another tax .

[@supernova622]

@@maryelizabeth5393 we already pay as a collective for primary education, why not secondary?

[@georginadiaz12]

Mary Elizabeth we are paying for students who default on their loans. Of which it is estimated that about one million default a year. When they don’t pay we pay because the government is fronting the money...

[@mikeg9b]

@@ctcboater I think she means that depending on everyone to make good choices to achieve a desirable societal outcome has a very low probability of success. To solve big problems, law makers can change the rules of society to encourage people to make better choices.

[@msbell221982]

This made me like Chelsea more. I appreciate your honesty.

[@spikemogy]

Me too

[@mikelberke8239]

Same, she is an amazing person. I really wish we had more voices like hers in the financial ed. realm.

[@crystal.chantel]

Agreed

[@lilyleesh]

I can safely say I feel this sentiment with pretty much every new TFD video I watch. She's the kind of person I want to have in my inner circle.

[@itsamodernmess]

Yes! I normally have a hard time relating to Chelsea. Watching TFD is extremely important for not just me but all of us to live life more responsibly. Sometimes I find it hard to watch because i usually do not find her very relatable... However I am so shocked and appreciative for this video. Sharing more of her and her honesty it really helped connect to the content. And that was before I knew she watched all the same progressive journalists that I do :D!

[@ssrkinz996]

In my view, FIRE isn't about cutting out all of the things in life that bring you joy just to retire early. It's more about "Marie Kondo-ing" your financial choices, and cutting out unnecessary spending that doesn't actually bring you joy. I still travel, I still go to the movies, I still eat out from time to time, and still go out with friends. But I also save aggressively by spending less in the areas where I care less, or where implementing a DIY solution wouldn't take much extra work. That said, you're definitely right about it requiring a higher income. When I was broke in my 20s, this wasn't even close to being an option.

[@MalloryHasCats]

I am a minimalist, but not for any political reason. It's purely psychological for me. My mom kept a very dirty house with tons of knick-knacks and clutter, and for 10 years, I lived in extreme poverty (I literally lived in an abandoned house in the woods with tons of other people's discarded stuff). Now that my life is better and I have more control of my choices, I have found that lots of stuff gives me insane anxiety. It's better for me to have less stuff around me. I would never shame someone else for their choices.

[@morgansmith-boeck9098]

Mallory Evans agree with you! I’ve had similar experiences and like minimalism for the same reasons. I don’t see minimalism as deprivation but rather freedom. I have what I need which isn’t a ton but it’s plenty. I have a ton of kitchen items because I love to cook but I cut back in other ways

[@lelechim]

I feel the same way. My parents' house is full of clutter. They have no idea how lucky they are that they can afford all this junk. Meanwhile, I get furniture and household items for free that people are giving away outside their houses.

[@JP-ve7or]

You hit on an aspect of this that a lot of people don't realize. Minimalism is very much a reaction to our boomer and older parents' houses full of crap (and even not-crap, as anyone who has had to throw out their grandmother's rarely used good dishes can tell you.) I recently had to clear out my mother's house after she died, and she had saved everything. Just, everything, as did her mother. And in the end, it's mostly stuff you have to pay someone to haul away. I joke that when I'm an old lady I'll own nothing but a spoon and a cup, but yeah, if I could become a moderate minimalist, that would be great.

[@esmanmusic2204]

In my opinion minimalism is what you make of it. Guys like The Minimalists and Matt D’Vella talk about it in a way of being self disciplinary and not necessarily along the mean of “changing the world”

[@ellabella437]

Thank you for talking about MLMs, I feel very similarly and it's unfortunate that they seem so innocent when they are really not

[@cindygiesbrecht3146]

I agree, I always feel so guilty for not wanting to buy stuff. Mostly because when I visit friends or family who are part of these schemes their homes usually have a whole room of whatever they're trying to sell and they are forced to use it themselves (health supplements, 'natural' oils, beauty products, etc). I feel embarassed for them.

[@e735star]

I couldn't really agree more!!

[@rosiea184]

@@cindygiesbrecht3146 You realize your lack of support is hurting them more than the company they are working with right? Also on the point of 'forced to use it' if they don't like the product or don't have a benefit of the product they see themselves then they shouldn't be selling it anyway. If they are really being forced to use a product they don't like but is just selling it to try and make money, please get them out of it. One rule of selling, no matter what kind of company or system they are in, if you don't believe in it you're not going to be good at selling it.

[@j.r.4627]

@@rosiea184 that's like saying if you don't like fast food you're hurting the employees not McDonald's corporate. I worked in fast food, retail, etc., through college. I was never hurt, ruined, unable to pay my bills because someone chose not to buy the junk I was selling. No one is obligated to buy your product simply because you'll benefit if we do. I get that some people do MLM in the hopes to supplement their income to help cover daycare costs, etc. Lots of people do it because they really think they'll earn enough to buy a Mercedes at the end of the month. Rather, 7 of their friends and seven of their friends and 12 of their friends will feel forced, because we don't want to hurt our seller, into buying junk we don't need.

[@j.r.4627]

There's a reason MLM is primarily marketed to women. Women are conditioned to please, have difficulty saying no, want to support or to be seen supporting their friends, feel guilty if they don't so you get MLM beauty, MLM ladies fashion, etc., never MLM traditionally male products.

[@c0bem0n]

0:46 - Do you hate minimalism as Erin (Broke Millennial)? 5:46 - What do you do when someone you know gets involved in an MLM? 10:40 - How has sharing your political views affected your business? 16:54 - Do you watch and youtubers outside of the personal finance genre? 19:25 - What is your take on the FIRE movement?

[@22kmoy22]

thank you

[@crystal.chantel]

Thank you!

[@Dimitry4Life]

not caring about mlm's, this was quite useful

[@sarahclark4159]

Minimalism has never been about the carbon footprint though. Its about reducing noise and clutter and distractions which don’t add to the quality of you life, so that you can focus on things that do add to it. I think you’re confusing minimalism with some other environmentalist practices like the zero-waste lifestyle. Sure, these types of lifestyle choices often go hand in hand, but they are very different ideologies.

[@tiffanysperez9365]

Sarah Clark I agree I think Chelsea kinda lumped the two together or at least that’s how it sounded

[@elgabenedicta]

I agree. I am a minimalist myself, but I am not an environmentalist and I am surely not leading a zero waste life, if anything.

[@lob1523]

I like the idea of minimalism when it comes to being more intentional and selective with my purchases and what I decide to keep around my living environment. I like to believe minimalism can be flexible and look different person to person and applied to the individual. I guess more of a Kon Marie keeping things that only spark joy. Example some people might see someones large collection of a item to not be "minimalist" in terms of the aesthetic appearance but it may still fall under the idea of minimalism more as a way of living rather than aesthetic.

[@lavinder11]

Yeah. Don't know where she got that from.

[@castleberries]

Yeah... I thought I had a focusing issue...

[@yasmeenalim1]

I got teary eyed when she spoke about elderly people having to work so hard to survive. Wow America. We are better than this.

[@nectarshrub]

Are you tho?

[@midniteryder_3-16]

@@nectarshrub R u?

[@nectarshrub]

@@midniteryder_3-16 I'm Canadian

[@galinasadovskaya709]

no, you're not:) not anymore)

[@orhidejaskale6452]

"you are only your values"

[@wheezywaiter]

Thanks for great interview! And the kind words!

[@Elliecatify]

Minimalism has got nothing to do with changing the whole world. It's about changing your own world. I'm on a really low income and minimalism has saved me so much money literally because I do all the things that you just said that people on low incomes can't do. People are more resourceful than you think.

[@MarielaMerino]

Elliecatify I love this. I have some tips on saving money with minimalism on my channel if you would like to check it out 🌻

[@mangaartist1995]

I think it more about most prominent minimalists who once worked a very well paying job. I always think that one has to experience what it's like to overconsume in order to be aware that they are over-consuming in the first place. But like Casey Neistat once mentioned on the topic of money can't solve all of your problems, such problems regarding life fulfilment are the least of your problems when one is struggling to survive financially (aka Maslow's hierarchy of needs)

[@Elliecatify]

@@mangaartist1995 Over-consuming doesn't require a high income. I would 'treat myself' at the dollar store or cheap fashion stores. Minimalism helped me realize that it's better to buy 1 quality item rather than 15 cheap ones.

[@jz2678]

I'm feel like this channel doesn't understand minimalism at all :( . I rather them not try anymore.

[@jz2678]

@@Elliecatify i still shop at my dollar store because they sell food goods that are actually good like oat milk from a local distributor for less that 4 dollars. I could make it myself but I don't have my own kitchen to make all my meals. I shop sales with coupons for quality items and shop at the goodwill for my growning son who goes through clothes at a incredible rate. Minimalism is definitely a depends someones personal needs and resources. I agree with you 100%

[@YasmineHagberg]

We love a ranting Chelsea 😂😍

[@simonerauscher3307]

I get what you are saying about the shame-y culture of the minimalist/low-waste/etc. lifestyle movements and the trendy asethetics of it all, but I somewhat disagree that the benefit of people participating in those lifestyles and the "movements" themselves are really only for individual gain (to the ones who can afford it). It's kind of like saying that your one vote does not actually have an effect on the outcome of an election. That is true, but when you combine it with many it can have great effect and send a message on a way bigger scale than just that one person's life. Even if it is a trend, coming with all the pitfalls of a trend, it shows the wider world and those 100 companies that people are generally interested in more sustainable lifestyles and products.

[@pallasitematrix1614]

I think that it's a lot more than the companies being interested in sustainable lifestyles and products- they are actively profiting off of unethical business practices, to the point where unless it becomes unsustainable for them, as a business, to continue these practices they won't stop. Sure, companies might be hurt a little bit by not getting your business. Or the business of the minimalist community. But that loss is so far offset by the number of people who cannot afford to become a member of the minimalist movement that it doesn't matter. Historically, business practices don't change unless the company stands to take substantial loss- the way that we got organizations like OSHA and the FDA came from government intervention caused by guided and specific media coverage of the horrors that were happening at the time. It wasn't people *not* doing something, it was people making concentrated efforts by organizing campaigns. And the minimalist movement isn't a campaign. I think that the minimalist movement is a good start, and it's really nice on a personal level- but it's not going to affect change on a national or global level unless there's a shift in our approach.

[@MissVasques]

You do you ofc but companies will Only generally act more enviromentally friendly if they will benefit from it and it will feel more practical and better economically in the long run. Few will change just because it is better for the enviroment and your concience alone. Like many individuals I think.

[@saammmy7]

Agreed. When those individual choices become a movement it can have a huge impact. Not just on companies but also on the government. 15 years ago there was only one party in my country that put an emphasis on environmental issues but nowadays most parties have jumped on the bandwagon because their voters showed it's something they care about. I feel like Chelsea never addresses this impact when discussing personal vs. government responsibility in these matters.

[@touchofnoir90]

I agree with you, I am by no means rich and yet can still live a minimalist lifestyle. If you cannot afford to shop more ethically there are other options like thrifting. Also, when shopping ethically do your research sometimes these small companies give back to charities and the environment by donating some percentage of the profit. Unfortunately, yes some people do it only for the aesthetic, but some like myself do it to ease some mental stress and stress in general.

[@TheKobra412]

I agree with you Simone. And i dont realy think that minimalism should realy be an high class thing because if you can not afford very high quality for example clothes, you can buy second hand, repair your old closes and with food its usualy evem cheaper in a farmers markets. I think even meny things that the financial diet is talking about is minimalism

[@crazyseasons]

Thank you for this! I was stressed out about the FIRE movement. And it made me feel bad about choosing to experience life while i'm still young but in a moderate and controlled way. Your perspective about FIRE validated that it wasn't for everyone. Thank you for raising the discourse. All of these different yet similar individual actions - FIRE, MLM, minimalism - are brought about by heavy societal problems that can only be answered by systemic changes.

[@jz2678]

I shop at the dollar store and I only make less than 900 dollars and I am a minimalist. I have own the same clothes for 4 years and I bought them at jcpenney's on clearance and with coupons. There's actually no secret to minimalism, it's basically being humble and letting go of bad vibes or any thing causing you stress like bad relationships or clutter or other people's really bad judgemental views about their lifestyle.

[@strangekat2840]

I'm a totally different size to what I was four years ago. I'm also an unusual size, so I can't buy stuff second hand and the more ethical brands never have a size that fits me. I also have a toddler and I'm a single, disabled parent so it's not always possible to make ethical choices. Minimalism needs to recognise that it's not always possible to make ethical choices. And that often, people are stuck between a rock and a hard place.

[@jz2678]

@@strangekat2840 Again minimalism isn't about being eco-friendly or zero waste. It's about being happy within your means. Unfortunately your statement is incorrect. Follow your bliss my friend.

[@strangekat2840]

@@jz2678 I own something like a thousand books. Or probably more. Minimalism is about reducing what you own, and that's not something I want to do. I absolutely hate white space, blank walls and the whole all white aesthetic. I've got a chaotic, cosy home. Not a horrible white box with no soul. Nothing in my house is white or beige. I've got way too many books for the amount of space I have, and it looks like someone went round with a load of half empty tins of paint to use up. I've even got covers on my stair lift so that isn't beige. When you've spent a fortnight staring at a magnolia ceiling, you live for colour and vibrancy.

[@jz2678]

@@strangekat2840 Again, follow your bliss. No one is forcing to to declutter anything nor am I judging you. Your home is YOUR home and I wouldn't have know what it looked like or an idea. Good luck.

[@bmccuan]

@@strangekat2840 Not all minimalists follow the teachings of Marie Kondo, who, btw, would not tell you to toss all of your books either. The extremeness of both statements seem like you are trying to drive home that minimalism is being forced on you when its not. There are minimalists who are disabled and with children. Your situation is not unique. Minimalists can have tons of books and no white space. "Horrible white box with no soul" now who's shamey?

[@linnybee8000]

I was in Amway, when I was young. My life revolved around it, including socially. It wasn't until I got out (a financial necessity) that I realized how cult-like it was. It damaged my life. Thank you for sharing your views on MLM's and the Fire Movement. I think you're spot on. xo~linda

[@shadowmystery5613]

I actually believed in that shit as a kid, but as soon as I had economic classes I realized what kind of actual fat ass scam that is XD

[@brenmmw]

“I earn less than my employees in my company.” Preach baby preach!🙌🏻

[@user-mb9nm7bq5e]

My boss does too! Kinda bad ass

[@sabrinalopez937]

Minimalism is just as a diet choice or as exercise (like someone mentioned in the comments :). I am very low income, but I consider myself a Minimalist. It is a lifestyle choice as you mention. I do it more for the financial aspect; buying less means I save more. I stopped buying Starbucks 24/7 (that saves me $30-40 a month), I switched my gym membership to class pass "lite" so I spend $15 a month and if I can't make it, most credits roll over (vs. paying for a Pure Barre 4 class membership which is $89). I am able to stay home with my kids working 2 days a week vs having to pay for childcare just by really analyzing what is meaningful to my life. There are people who do it for the aesthetics as you mention and/ or the environmental. It just really depends. Thank you for showing all the sides/ logistics and not just one sided! :-)

[@leilanidru7506]

Tbh😬 childcare costs are eyewatering. Your probably saving more money stay at home with ur kids

[@kiterafrey]

Minimalism and most lifestyle choices are extremely classist because most people who struggle in any way shape or form are unable to fully commit to the price tags of those lifestyles. It's why I don't judge people who not being a minimalist, or not being vegan, etc whether I follow that lifestyle or not.

[@sabrinalopez937]

@J .S It's insane!

[@sabrinalopez937]

@@leilanidru7506 I am! I would basically only "make" $5-10 a day if all my kids went to childcare when we broke down all the costs. It's crazy. Sure I would love to build more clients (I'm a personal trainer/ coach) but right now, it just makes more sense to not stress out with driving around, gas costs, packing lunches, etc. It was going to cost about $135 per day for my 3 kiddos.

[@sabrinalopez937]

@@kiterafrey For sure no judgement on anyone. But there is no price tag! The goal I think for every lifestyle/ movement is everyone doing things imperfectly vs. ONE perfectly, it would make a huge impact on this world. I think some people confuse minimalism with the zero waste movement where that can get pricey but you do what you can. :)

[@bmccuan]

Love love love. This is the nuanced conversation about minimalism as a lifestyle I was wanting, not the rant Erin presented (which treated minimalism as a panacea for life's problems which I have never heard any minimalist say). Though I will note that I have never lumped minimalism in with zero waste ideology. To me, minimalism is just living more intentionally and is something everyone can do and everyone can see benefits of regardless of income bracket (just like exercise; you don't need to go to a gym and everyone can benefit from elevating their heart rate). But when it comes to zero waste, I'm 100% in agreement. Zero waste, imo, requires a much larger paradigm shift than minimalism does. Ultimately, though, I view these things as lifestyle choices, just like you. I think FIRE is cool for people that can make it work, but I'd rather live my life intentionally now, not continually saving up to enjoy things when I'm older (insert John Lennon quote). Though, if done right, I believe both are possible (maybe not as wealthy as one would be on FIRE, but still). Great vid Chelsea!

[@JuneLemmon]

Yes and we have to find balance between ''live the fullest now'' and ''saving as much as we can for the future''. I mean we are not even sure we will be alive tomorrow! I lost my brother from cancer last year, he was only 24 and nobody else has cancer in my family. This was absolutely inexpected. He had just finished college and had took no holidays for years... I wish he could have enjoyed his life more before dying. Anyway, thanks for your comment.

[@bmccuan]

@@JuneLemmon I'm so sorry to hear of your brother's passing! My father and brother both passed away when I was in college. Life is short, so you better make the most of it! (But don't beat yourself up for not jogging on the beach - Netflix is great stress relief! =D)

[@fortheloveofexy]

I agree completely! Plus I think theres a lot of different types of minimalism - aesthetic minimalism, financial minimalism, consumer minimalism and environmental minimalism (which overlaps a lot with zero waste). Personally, I am a financial and consumer minimalist - meaning I do not buy an item unless it is replacing something else, or there have been more than 3 occasions in the last 3 months where I wished I had that item. I'm not an extremist by any means, but I have moved 5 times in the last 5 years, and became a minimalist as a result of not wanting to bring as much stuff with me and to reduce the stress of moving. I'm moving again across the country in a week (hopefully for the last time!!) and all of my stuff fits neatly into a 10 foot trailer. I also regularly donate items that I do not use, because I've found that the hidden cost (renting a bigger apartment, paying for storage, etc) of having a lot of stuff is more than I'm willing to pay. Plus, I work from home half the week, and I've found having a less cluttered environment makes me more productive and reduces my stress. I mainly use my minimalism to reduce my debts as much as possible. I own one credit card, I no longer take on more than one loan at a time (for example, I am not buying a house until I finish paying off my student loans, which I make double the monthly payment on currently so I can avoid interest in the long term. My car is paid off and has been for 2 years, so I am focusing on getting my loans done before buying a house). I bargain shop for groceries, sticking to delicious but simple meals so that my food bill is less than $40 a week. I never buy current gen smartphones- I always buy at least 1 or 2 generations behind what is newest because it's cheaper while still being updated and getting supported, and then I use it until the phone completely dies (my last one lasted nearly 5 years). I don't have cable, just netflix and hulu (bundled with Spotify because I dont own CDs). I am an artist, and art supplies are bulky and expensive, so I ditched the dozens of oil paints I never use much and switched to a Wacom tablet with a photoshop subscription I managed to get for free through my work. The only vice I have with "stuff" is books. I have switched to ebooks mostly, but I'm very sentimental with my favorite books and have a hard time letting them go - but I am working on it!

[@bmccuan]

@@fortheloveofexy We have the same origin story! From 2007 to 2014 I had moved at least twice each year. Every move I threw stuff out and found I didn't miss it! I now only have the essentials for living plus a few perks. My apartment is exactly the minimalist aesthetic that the previous commenter described but that works for me and I would never push it on others! Minimalism is not a one-size fits all "garment" but a custom-tailored piece that will last forever and fits you like a glove with an eternal warranty for future alterations! (I have that same Spotify bundle, btw - perks of working for a university!)

[@taquienaboston2617]

Chelsea, I appreciate your candor and commitment to your values. It's why I trust your guidance and subscribe to this channel. Yes, financial fragility and financial survival are human issues.

[@evilzzzability]

When the heck did Minimalism become conflated with the Environmental debate? IMO they have nothing to do with one another. Minimalism is about recognition of what brings real value to your life, and aesthetics vs utility.

[@theclumsyprepper]

I agree. Minimalism is adopted by many people in the zero waste movement and they are acting like being a minimalist equals being eco friendly which to me doesn't make sense. Myself I'm trying to live a more low waste life (I will never be zero waste, I don't believe it's possible anyway) and I'm trying to declutter as were downsizing but I will never be a minimalist and that's okay with me. It's a real shame those two lifestyles seem to merge into one and give a inaccurate picture of both (not the best choice of words, I know, but I can't for the love of money find the right expression).

[@TechnicallyLenard]

But minimalism is about our impact on the environment as well. This planet's resources are actually limited. By adopting a mindset which does not drive us to want each new toy that comes out, and 10 of each clothing item in the store, we start living more realistically, and stop buying crap to buy crap to sit around. Crap just to sit around is both wasteful financially, as well as wasteful in terms of resources.

[@evilzzzability]

@@TechnicallyLenard Not to me it isn't. Minimalism is about recognising that a lot of "things" actually don't enhance our life in any meaningful way and by getting rid of all those things actually freeing ourselves.. it is driven from within. Environmentalism is an alturisic political movement (if you are being kind) driven by from the progressive left collective which I don't identify with at all.

[@bbygrlpt2]

Actually both have a lot in common, especially the impact on the environment. But the reason for gettin into either one might differ.

[@stavrosctz9539]

Come on people、minimalism is not about buying the expensive option. It is all about questioning your needs and focusing on what is essential for you - what you need. Please inform yourself adequately about what you're commenting on. It is about not buying the spare pair of jeans you accidentaly bought and never wore、for example. It is not that difficult to see that essentialism is just a form of scepticism towards our perception of "consuming".

[@stavrosctz9539]

However、100% better version of stating an opinion than the Broke Millenial's childish rant. She was clearly unaware what minimalism is truly about!

[@TheEmzies]

Yeah there seems to be this conflation if minimalism with low waste and sustainable living. Yes, many people identify as both but minimalism is only having what you need, living within your means and rejecting much consumer behaviour that encourages us to buy more and more stuff for the sake of buying more and more stuff. Sustainable living is difficult if you're not wealthy - a plastic toothbrush is cheaper than bamboo and that's fine if it's what you can afford. Buying cheap t-shirts is fine when a $100 organic cotton is unaffordable. It's buying 10 t-shirts when you don't need any that minimalists struggle with.

[@stephenmiller9346]

Stavros Ctz, I agree with you. Chelsea is trying to frame minimalism in terms of a social construct when in fact it's a personal choice in the way one chooses to live and to be a consumer. To tell people that yeah, minimalism is fine, but we have to focus on the "macro level" betrays her political bias. About 18 months ago, I encouraged Millenials to watch TFD's videos for advice on investing, career choices, etc. A few of them did watch her videos but told me they were put off by her "values" (I was told by my coworkers that she is stuck up, talks down to people, and acts holier than thou because "she married some French guy and lives in New York.") I hope Chelsea tones down the rhetoric in the future.

[@summerdew138]

then you should check what essentialism is! Check it out! You'll recognize which one makes more sense. Minimalism or Essentialism.

[@kimb.9205]

Regarding Student Debt-- In 2019, Community College in Maryland just became free thanks to our Gov. Larry Hogan!

[@itsjeninMass]

Oh, yay! I'm so glad to hear that! That is my home state, and this makes me proud!

[@kimb.9205]

@@itsjeninMass This means two things: 1) Local Maryland news reporters are not doing a good job of getting info out to the public. 2) It's important we continue to vote for candidates based on issues & not simply along party lines. Hogan is a Republican, though he supported free community college, (which is something that socialists usually support).

[@lelechim]

New Jersey was trying to do that but it's expensive enough to live here. We taxpayers are already squeezed.

[@MeanderingMeagan4]

To be clear, the 100 companies/70% emissions study did not look at agricultural emissions, I believe. Still true that consumer choices cannot fix the problem, it does change the morality of any one action

[@mengpinge7912]

MeanderingMeagan yep...cause it’s carbon emissions being discussed here (not checking the source though) while agriculture emissions are mostly methane and nitrous oxide.

[@MeanderingMeagan4]

@@mengpinge7912 aha. I mention this because when the report was first making the rounds, I think I saw some people use it as an "excuse" for eating meat. Precisely because this distinction wasn't made.

[@fionafiona1146]

But again regulation would help limiting the meat industry (German is a bad offender but Germans in general buy low cruelty options if they trust the labels).

[@divyavipinhyd]

@@mengpinge7912 Methane is roughly 30 times more potent than CO2. We should be really concerned about the agricultural industry.

[@lelechim]

It was almost all petrol companies

[@Sonya_Barnes_On_Move]

I have to say, it is refreshing to find someone that can see both sides of a situation and present their side based on personal experience without shaming others and recognizing their why. Well done, girl!

[@rachel8621]

It's really refreshing to engage with an American finance channel that doesn't promote individualism in the same way that most of the American media does, and instead frames personal finance within the parameters of systemic issues and recognises how privilege affects finance. I really enjoy this channel.

[@KimmyKat2203]

This is probably my favorite video you've ever done. You did an amazing job articulating difficult topics, and I'm so happy you addressed them.

[@TheJennifer122]

Thanks so much for pointing out how inaccessible FIRE is for many people. I see so many videos titled like "How we saved $500k for retirement!" and they leave out "Step 1: Both have $150k salaries"

[@fionafiona1146]

I make less than 10k a year and still get to save money... Because my university is nearly free, I am supported by my parents and its a government sponsored system.

[@scsu300]

FIRE is about the choices you make to make FIRE accessible. Thumb down on your comment TheJennifer122. Listen to the CHOOSEFI podcast for reference, examples, and ways to make FIRE accessible....with less than a $100K combined income.

[@fionafiona1146]

@@scsu300 Fire with less than 20k combined income equals freeloading from my parents and a society that supports my education... that's inaccessible if your parents are US citizens&residents and over once I turn 25.

[@scsu300]

@@fionafiona1146 I do not understand the last part of your comment. Can you clarify the parent's situation? Any 2 people combined making 25K in the US are going to need to focus on increasing income to get closer to FI.

[@fionafiona1146]

@@scsu300 Since making more money would reduce the time we have to study respectively (affording University isn't as difficult in Germany) and cost us subsidies (worth 15 hours a month) it really isn't worth starting now, unless we want to rely on our parents even more... On the other hand our bachelor degrees will be internationally recognised and leave us without debt.

[@geraldmcmullon2465]

Buying better quality does not mean spending on high cost items. Some of the most expensive products are not robust, lack functions, paying for designer style and exotic materials. In most consumer products there is often a model that out performs the others in the same price range and products costing far more. Providing not only better functional use but better quality build. The 80:20 rule certainly applies. You can get 80% to your perfect product for 20% of the cost. The few percentage improvement comes in at a very rapid increase in cost. If you can review the products you can determine how cost to perfection is worth the cost when we need so much just to meet accommodation, basic food and utilities. It can be difficult to work out how a product will stand up to use and what it is like to live with unless you get it and then it is too late. Some reviewers not only look at features but tell you what it has been in use after a month, 3 months and even a year. The amount of effort to review these articles and KZbin videos is extensive. The research can often save money by not getting the wrong product for your needs and usage.

[@jacquelinevanfossan7007]

I started watching your program about 3 months ago. I was overseas and didn't bring my laptop (which was stupid) so I watched a lot of KZbin on my phone. I now watch you regularly. I am 70 years old and over the years, by the seat of my pants and often very painfully, I learned how to create a budget, stick to it, raise my children and live a satisfying life. My husband and I were lucky that we lived in an era when good jobs were readily available and paid fairly well and companies provided pensions before the creation of 401Ks . Like you, I was not born rich and I had to make my own way (BTW, I was born and raised in France and my entire family is still there). Despite my advanced age, I learn something almost every time I watch your show. I have referred it to young friends and to my grand-children. Keep up the good work. I am sure you help more people than you can ever guess. Merci et bonne journee.

[@elliefc92]

Contrapoints and Lindsey are awesome! I'm happy you know them too! I think you'll like Philosophy Tube as well! Sometimes I think they collab or mention their work . Great video.

[@ccdiamond308]

@Lesbian Amazon Sister Contrapoints' real name is Natalie Wynn. Name ONE sexist thing she has said on her channel. Also, she has plenty of videos where she doesn't wear lipstick at all. Hell, there's a video where she wears NO makeup at all.

[@indrinita]

@Lesbian Amazon Sister didn't take long for the FART to show up.

[@stahppls2293]

I only watch for Chelsea now

[@pushpinderkaur2471]

Same

[@kaitlynkilpatrick36]

Tasha is also great

[@lorigrace5549]

same. can't tolerate Tasha😕

[@Seth4All]

Same. The "making it work" videos are mildly interesting, but they provide no advice beyond that person's specific circumstances. Tasha just likes to talk about herself and how successful she is. Bleh.

[@littlelyndseylou]

@@Seth4All THIS. I actually unsubbed and only tune in when Chelsea pops in my recommended vids.

[@MrFindX]

Somehow I knew she was gonna say ContraPoints. The fact that Chelsea watches her too makes me so happy

[@spookyspookins]

excited to see you over on wheezywaiter!!

[@tagaway6173]

I don't see that video. Can someone Link it for me?

[@shelagraceperez673]

Minimalism: "Use things and love people for the opposite will never work" - the Minimalists

[@NoraTKD]

That is a really good quote!

[@vickieclark5931]

Yep, I have heard them say that a number of times. They are so right.

[@marinaalinescu1660]

I love Contrapoints! And you're awesome, Chelsea!

[@NightWatchersPet]

Same here!

[@skye6213]

Just started binging your videos today and I LOVE that you promote quality of life as well as smart money decisions. a lot of financial channels and minimalist channels promote giving up your whole life to save money and that is so unappealing for so many people

[@metrazol]

TFD/Contrapoints collab when? Hail to our other dark mothers!

[@TanaChiarantano]

Jamison Moore this 👆🏻

[@PamsPrettyPlants]

YESSSS

[@cindy3933]

Ordering takeout and watching ContraPoints with an SO? Relationship Goals.

[@PamsPrettyPlants]

Cindy O'Neil that’s where I’m at, my dude showed me the channel. Keep the faith! 🧡🧡

[@victoriarobinson95]

PureRomance is a perfect example of an innocent fronting MLM. They had a conference at my job once right around the time that John Oliver put out his MLM bit and their marketing is extremely predatory and misleading. "A woman owned company with woman only employees selling products for women". It's easy to see how someone could be pulled into it, on the surface level it does seem like it'd be empowering, but in reality it's just predatory "for women only".

[@gillaltuna551]

Pretty admirable that you’re also looking at these issues from a societal point of view. It makes an astounding point that personal finance, from this lens, does not mean individualistic finance. Thanks, Chelsea!

[@LittleMissRockChalk]

Very interesting video today, and I think you were so thoughtful in your responses. I’m not a minimalist, but I do practice intentional living. I buy less stuff than I used to, but that doesn’t automatically mean I buy nicer, more expensive items either. I just reduced what I take in. Minimalism and intentional living are lifestyle choices, and you don’t need to be in a particular “class” to practice them if you’re thoughtful about how to approach them. With that in mind, I actually feel like personal life choices aren’t emphasized enough. You’re not in control of everything, and I agree with you on systematic macro-level problems, but personal choices are a big part of your financial health. I work in a notoriously underpaid industry. My colleagues and I are very underpaid, and that’s a system that needs to be fixed, but I also stopped living paycheck to paycheck two years ago because I started making better choices. It’s definitely a balancing act of the two that I think gets lost on millennials jaded by debt. Thanks for sharing!

[@theywalkinguptoyouand4060]

Thank you for being frank about MLMs. And yes! I love that you enjoy Contrapoints!! Hope Natalie watches you!

[@mionanik7508]

May I suggest Pop Culture Detective, he's amazing!

[@francoisrd]

Miki Niki yaaaas

[@afirewasinmyhead]

Thirding this! Pop Culture Detective is such important content.

[@hibak8196]

+++

[@ragejaylewis2580]

I have only come across this channel recently, and through my binge watching, it's helped me so much, with good advice and the confidence to make better life choices that I've previously been a little scared to make. Your little comments in support of Bernie, and now contrapoints as well, have only propelled me to continue watching. So few financial advice that I see comes from a place of understanding the struggles of growing up poor, and how that affects a person's finances, and view on finances. Your understanding of how social issues affect finances and our planet are exactly what keeps me watching and supporting this channel, and I am sure I'm not the only one. Thank you so much for everything that you do.

[@glenelle24]

I'm not American but I do tune in occasionally to learn about 'how things work' and what issues everyday people are interested in. I cannot imagine the stress that comes with medical expenses, I enjoy free doctors visits, free hospital (not elective procedures), free or reduced dental, free eye exams, age pension benefits - all basic needs of simply being a human being. Just mind boggling what many Americans (& other countries) do not have available to access when needed. Just last week my partner had skin cancer plastic surgery, after a 6 day wait from biopsy result and our only out of pocket was $17 parking because we chose to park right next to the hospital. Thank you for informing the rest of the world what real life really looks like.

[@malikabernard966]

Very good Q & A. First, I like that you make it clear that you think minimalism and the FIRE movement are lifestyle choices and that no one should be shamed for not incorporating the practices of either them. Secondly, I like that you pointed out that these movements can become very individualistic and that don’t really try to solve the overarching problems that affect most Americans. Awesome response Chelsea 👏

[@d14551]

I so appreciate your in-depth, thoughtful discussion of complex issues. And I also very much respect that your values guide your business.

[@marissamiss]

Loved the video, Chelsea. As a 20-something woman, I feel constantly bombarded by guilt and shame that the life I am leading is not "minimal enough" or "zero waste enough," which I'll be the first to admit is a self-imposed standard influenced by content I see online. While I do the best I can, I am working on recognizing that the mental load of trying to achieve unrealistic standards around consumption is extremely taxing on my mental health and not something I have the energy for 24/7/365. As you said, much of the responsibility is on companies who are ruining the earth on a daily basis and not on me for buying a vegetable wrapped in plastic once in a while.

[@RaiOsborne]

MLMs also target the elderly. They often have hard life circumstances and are deceived by the raptous behaviors of MLM sales people. Need to care for our parents, etc

[@iyxon]

I've been watching you for years and I am so glad you've become more political publically! ♡

[@alligatorwoods]

Love the way you're making vitality important connections to systemic inequality! Best video ever!

[@quellfalconer]

I really like Chelsea's thoughtful, compassionate answers to these questions!

[@kathygregg3460]

Hi Chelsea: I am a 70 year old Canadian woman living in Vancouver Canada. You are an asset to my mental health, as I look around at the crazy world we currently inhabit. Thanks for your openness about your views on personal finance, politics, the enviro crisis, MLMs etc etc. So interesting to see how well you get the need for change at the systems level...and that you call out this mirage type emphasis on the individual's ability to exert themselves.... You have learned a lot about life...thanks!! Have you considered a political career? Senator Chelsea??

[@MikePitt]

I have been a subscriber for a long time but don't think I have ever commented.These are my favorite type of videos from you, Chelsea. Thank you. x

[@MsColbyLaine]

I love how your are able to articulate your opinions, and agree with so much of what you said! I really like this content in addition to all of the amazing financial videos you produce :)

[@Mellyouttaphase]

Chelsea, you rock. I love your no-nonsense and down to earth advice. This space can get really preachy, really fast and your channel is so refreshing!

[@maryanns9921]

Watching your videos has changed my relationship with money, and now my boyfriend and I are looking to purchase our first house together. Thank you for all you do!

[@dystopian786]

The last time I was this early I didn't have student debt.

[@fionafiona1146]

I don't have either you might recommend look into studying abroad in the future in for example Germany, were there are full degrees taught in English for the same Max 500€ a term (likely 6-7 terms at comparable urban costs of living).

[@EMNstar]

My new favorite TFD episode

[@donwald3436]

EMNstar Every Chelsea episode is my favourite episode! 😘😘😘

[@LeiaShilobod]

Thank you for being open about being poor and how it makes you think differently. I also went through a time when we didn’t have enough income to pay the family bills, our house went into foreclosure 3 times in one year, and I’d go to the grocery store and find the cheapest piece of meat I could find and say “well, I gotta make this taste fantastic for my family.” And I am GRATEFUL for that horrible, trying time. It gave me so much perspective on what I used to think was “necessary” and also could have much more compassion for those also living that way. Adversity does make us stronger.

[@MakeMusic4Life]

I’ve been passively watching this channel for months and I’ve broken my “no comment section ever” rule to say YES GO IN GIRL

[@mikelberke8239]

Wow, this was a great Q&A. I am so glad that you covered all of these topics.

[@robin8520]

I’m so glad to hear your thoughts on MLMs! Thank you for speaking up about how predatory they are. I JUST had a difficult conversation with a good friend last weekend who has gotten into a personal finance MLM. I’ve been wondering if I went a little overboard in the conversation by bringing up my concerns. They were pretty appalled by my targeted (well-researched) questions, and unfortunately this seems like the end of our friendship. But I’m hope I’m not the only one who will speak up.

[@whitmiller2452]

I always love Chelsea’s honesty, & also that her ability to share her thought process in such a concise way. Thanks for another great video!

[@kiterafrey]

I love your blunt honesty. Too many people sugar coat and side step, but honesty is worth more than feels ❤️

[@saraennis1402]

love this! Especially the fact that you really stress changing things at the structural and policy level

[@liarluis]

A contra points stan? I love this channel even more

[@ilove2run89]

I try to be "minimalistic" in my life in that I try to reduce my consumption and waste, to be thoughtful about what products I purchase, and try to keep a clean and organized home. I mostly do this for my own mental health, but I do think it's good to take personal responsibility for what I spend my money on and what the greater impacts of my choices are. HOWEVER. I want to thank you a thousand times over for emphasizing that a lot of minimalism seems to be JUST about individual consumer choices, and is often actually a very expensive lifestyle. We need much larger, systemic changes to actually reduce consumption and waste, to improve the lives of all people, and to demand that companies create more durable, reusable products that are better for the environment and that are also affordable!!!!

[@sabeaniebaby]

"Betrayal of a parent"... I'm in tears; I never hear this being acknowledged or recognized. Loving this channel more and more every time I watch an episode. Thanks, Chelsea, you rock and I love your values and political stance.

[@Aristaifly]

I cannot believe that there are people who think that healthcare shouldn't be for everyone. You cannot hide your hate towards humans saying that it is political view. That's some crazy perspective.

[@Aristaifly]

@J .S I'm sorry what capitalism did to you brain. It is sick mentality. People must be responsible when they asked a doctor to change a band aid. But if there is illness, the healthcare MUST be available for everyone.

[@Aristaifly]

@J .S how would I know if I never been at hospitals?

[@Aristaifly]

@J .S regardless what you say, you will not change my mind. Don't doctors swear to help and cure when they graduate nowadays? Resources might be limited but it doen't mean people shoul be abandoned on a government level. If you disagree, you don't have soul and whatever you come up with will be just a "save the face" act, you don't have this face in my eyes, as some don't need accessible medical care in yours.

[@lelechim]

@@Aristaifly Someday you will become an adult and you will learn that nothing is truly free. I learned that the hard way.

[@lelechim]

@J .S Social Security is a Ponzi scheme. I don't see why I need to have so much of my income taken away from me to pay for it when I don't want it and probably won't get it anyway. I can invest my money myself, thanks.

[@MikkiProductions204]

I love Lindsay Ellis! I used to watch her when she was the Nostalgia Chick back in the day! And I love the Wired Technique Critique series!

[@dianebillanes5713]

This video exposes nothing but the TRUTH. Preach it girl! We appreciate what TFD does. Thank you so so much!

[@Lotusblume.8]

You go, girl!! 💪🏼 I agree completely that if we’re to function as a first world country, we need safety and security for our citizens like in other countries. I think it’s great that you think of others prospering and not just you and that you stick to your values instead of making a buck. I wish everyone would feel like this. We’d really be great for a change. I loved this video! They keep getting better and better! 💕

[@Meloncov]

I actually think FIRE is viable for slightly more people in high cost of living/high salary areas (with the caveat that it's still only an option for the upper middle class or richer). If you're a software engineer living in Silicon Valley, making 140k a year, it's not that hard to save 50k+ a year (especially if you don't have kids). Then, at forty, you have enough money to fund a comfortable lifestyle somewhere cheap for the rest of your life. On the other hand, if you're living somewhere cheap making 80k a year, you can probably afford a fancier lifestyle in the short term, but you can't save 50k a year and still live comfortably.

[@naimahaviland8920]

For the 80k folks, you may still be able to get to FIRE if you stepping stone it. Factors have to come together. If you're used to living inexpensively to begin with and live in an inexpensive city you can save more. If you own an inexpensive home already and build equity in it, that can be a leg-up in financing the next phase of the process. Working from home would enable you to find a nicer and inexpensive home anywhere in the country where such homes are available and move there. It's planning + luck. And patience, because this may take decades. And define what "early" means, too. It can be any age under 65.

[@kelly1573]

I fell into the trap of MLM and lost $4,000. Sadly, that was the second time. Before then, I did a very old, well known MLM and lost even more money. Fool me once, shame on you. Fool me twice, shame on me. Lots of things happened where my husband and I are financially ok finally. But it took many years and hard work. It's doable but not easy. I also agree that there are things that are being politicized that shouldn't be; be it healthcare or schooling. There's a reason why you never hear about other countries trying to get rid of their socialized healthcare. Because it works and everyone benefits. Go Fund Me would be a thing of the past if everyone had healthcare.

[@fionafiona1146]

I am even more upset about funeral "go fund me" s.

[@littlest-kim]

when my faves watch my other faves! chelsea, you're so wonderful & i'm so glad that i found your channel. thank you for your work & for caring about others and their situations!❤

[@CrystalMouse1]

You’re the first person who has highlighted how poverty affects minimalism. I’m disabled so I need a ton of mobility stuff and I’m married in a tiny subsidized apartment of 450 sq feet. I’m as minimalist as I can be. I’m unable to buy bulk or sustainable because I have nowhere to store things and I have to use a wheelchair, which requires extra parts stored too. Plus meds and tons of government paperwork and not always access to a printer or computer repairs. It’s very hard. But I live as sustainably as my husband and I can 👍🏼

[@LotusMuse]

Food for thought for some on the minimalism subject and this is by what I've learned of it from "The Minimalists" guys podcast. For me it's a financial thing. I don't NEED that book. If I want a physical I can borrow it from the library and save money. I don't NEED to go thousands into debt for a brand name outfit when I can go to the clearance rack online at Eddie Bauer and buy quality jeans for 10-20$ because it's "out of fashion" but they hold up for 4-7 years each. Do I NEED that brand new video game when it comes out? Or can I wait and buy it used or borrow it from a friend? Yes reducing clutter is helpful for my mental health but paying off my debt by making the minimum purchases needed is actually far more helpful because I'm not stressed about making that next credit card payment. That's what it means for me. It isn't the visuals as much as it is the mental health.

[@rsdxxxx]

This is by no means an attack, but from what I have understood from your view on minimalism as a concept, somewhere along the way you have fused it together with the separate movement of zero waste/ low impact lifestyles... The way I see things is: Minimalism is about living with only the things you need and want to live with, not throwing out items for the sake of it, but because you truly have no purpose for it. Whereas, zero waste/ low impact might go hand in hand with this, by the fact minimalists may want to own higher quality/ more sustainable products ("out with the old in with the new" comes to mind) it is by no means a reason to be put off by either lifestyle choices. One can be low impact and still not be a minimalist, or be a minimalist and not be low impact. They aren't so intertwined as you appear to be telling us. :)

[@douae5857]

Right, it's as if minimalism is a more personal thing while zero waste is for the environment. Like when something isn't useful for you anymore as a minimalist you may throw it out immediately but a zero waste person may think about recycling it or reusing it first.

[@MarielaMerino]

RSMD 96 as a minimalist I agree with this :)

[@TheEmzies]

Agree.

[@yestoless]

Thanks for this comment. Now I don'thave to write it!

[@misschristicampbell]

Chealsea I like you even more after this! Your MLM position is absolutely PERFECT!

[@NightWatchersPet]

I'm so glad I watched this, it definitely increased my respect for your openness and willingness to stick to principle

[@caz_brooks]

I'd call myself a minamilist... but I've never heard of minimalism in the way you explain, ever. Its almost like you made it more complex than what it simply can be 😕

[@leylamariabonillapalacio9415]

Yeah, she got it confused with zero-waste since minimalism don´t have anything to do with saving the environment

[@evelinaas]

The FIRE movement is quite big here in Sweden, a country with one of the biggest social safety nets in the world. It is not about not having enough money for retirement, or cutting costs (although some do). School is free too. Sounds great? We are slaves under the government, basically. The FIRE movement here is about not having to worry about money (because even though we have a big safety net and basic healthcare is pretty much free, you can still end up on the streets) and not letting your job rule your life. The FIRE movement is about stress relief, getting to spend time with your family and doing what you love while not having to worry about money. Because life is short.

[@Nepthu]

I'm curious about how you are "slaves" under the government and how the safety net works.

[@evelinaas]

@@Nepthu In short: the whole system is based on the idea that you should not be dependant on your family, you should be dependant on the government. For example, if you decide you want to be a stay at home parent, this is looked down upon, because if you don’t have a ’normal job’ and contribute to the socitey (eg tax money) you are seen as lazy and selfish. Collectivism before individualism. Equality of outcome, instead of equality of opportunity.

[@evelinaas]

@@Nepthu I would also like to add in terms of retirement, there will not be enough money for the younger generation so millennials are recommened to start saving on their on. HOWEVER, savings are also punished by the government in the form of high tax rate. Instead you should work until you physically can't. There is really no winning here.

[@mdkn]

I’m not from the US and it constantly baffles me how one of the most powerful nations struggles on the most basic levels. Thank you for sharing your opinion, I wish more people would be as rational and sensible as you are. 👏💕

[@luceroacortez]

Just wanna say I admire Chelsea so much! Your background and financial history is so similar to my own, and it feels hopeful to see someone that's gone through it talk about it like you do!

[@clandestinecxv]

Every part of this video resonated with me and I'm so glad you were comfortable sharing! I also get frustrated with labelling certain views as "political" when they are more about morality and human decency. Thank you for your great content. I always look forward to your videos 😊

[@GrimStarling]

Chelsea, thank you for doing this. I was close to unsubbing because some of the advice seemed to miss the problem of class and privilege. This really helped me change my mind about this channel. I'm a long time follower, and I'm glad you put this out.

[@Ewalk.213]

Man! I just wanna say that I am so grateful that I stumbled across this channel. I LOVE LOVE LOVE LOVE this channel. You are so intellectual and informative yet give us just enough millennial savvy humor to keep everything light hearted. I know this is a super old video so idk if you'll see this comment but man just know that I appreciate this channel and please keep up the great work Chelsea!

[@TikvahVered]

All I have to say is "I Love you", you are an inspiration, and I love spreading your knowledge.

[@ericharkleroad7716]

Great video, sometimes KZbin Q&A videos are lack luster, this was not

[@QuesttoFIRE]

LOVE the FIRE movement....obviously. 😅 Documenting my journey here on YT. “Maximizing individual choices.” Interesting. I feel the exact opposite of Chelsea here. Taking focus off the individual equates to a loss of freedom of choice, in my humble opinion. If I could opt out of social security and choose my own investments to prepare for my own retirement, I would. And I’m no six figure earner here. As a matter of fact, I’m working through $90k worth of debt right now... but I’ll get there.🔥🔥🔥🔥 I think of it like putting the air mask on yourself before helping others on the plane. I can’t even fathom how much more I’ll be able to do in my community once I’m FI, and not drowning in debt anymore.

[@juliah.702]

I really love how well you explain your philosophies and why you believe what you do. I have found that often I agree with you, but because of how open and transparent with you, I still get something valuable when we disagree. Your videos have helped me to think critically about my money, and how I think our country should look. Keep doing what you're doing.

[@klisterklister2367]

that bit about MLMs clarified a lot of discussions online that have confused me. thanks!

[@user-sq1gk3fr4i]

Unpaid interns and student debt. Thank goodness this is seldom found in Switzerland. Medical insurance is compulsory here. Debt is greatly frowned upon. We can most surely pay a CHF 400 medical bill. Also social help for pensioners is readily available.

[@jeaninewillig9910]

ummm, every single UN internship in Switzerland is unpaid. Also your immigration laws are terrible. You can do better.

[@user-sq1gk3fr4i]

@@jeaninewillig9910 As you said UN internships are unpaid. But in the larger corporate companies not. In fact they are often well paid. As you know we are a rich country and salaries run very high indeed. But that is if one speaks excellent English to C1/2 level, plus good French and German. We do not expect one to learn Swiss German. Regarding our immigration laws. Yes they are very strict. We are the only Direct Democracy country in the world. We vote on issues often. So it is not only what our government wants. Switzerland is a small country so we do not want many foreigners pouring into it. Unless they are say Docturate University level. It takes 10 years to gain citizenship, then there are language tests to pass, passports can also cost up to 3 months salaries. Then the Swiss in your community where you are living must vote to want you here - if the do not like you (Say for example you are from Eastern Europe or... and they feel you are not fully integrated) then no Swiss passport. Yes it is hard, but it is our land and we are luckily not in the EU. That is how the Swiss run their country. Hope this helps you. Have a great evening.

[@misssavagediva9059]

Jeanine Willig why should immigration laws be simple?!

[@olly2027]

1 11 it’s your country.

[@user-sq1gk3fr4i]

@@misssavagediva9059 Well put.

[@thereupon7475]

This is probably my favourite video of yours! Beautifully reflected my own thoughts on minimalism/FIRE. I feel the same way about the tiny house movement. A great lifestyle choice for some, but definitely NOT a scaleable solution. Requires lots of compromise, and does nothing to address the macroeconomic issues that brought it on to begin with.

[@ojiverdeconfleco]

LOVED THIS. I think it does a lot of financial good to have these conversations of more complex, systemic issues, so one can really understand were one stands. I live in Argentina and our issues are very different, but I also benefit a lot from watching this channel, it helps me have a bigger picture and make smarter financial choices.

[@aprilwoodworth5034]

This was my favorite video you guys have ever done. So eloquently worded and shows a different side of popular topics these days