MONEY MISTAKES TO AVOID IN YOUR 20S

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[@WorkingWomenAgency]

" you don't need to spend money, just because you have it" PREACH. Thank you for this video natalie!!!! Love these tips

[@IsabelleMichelle]

I love that you're openly talking about money and investing, especially as a woman! Not many of my girlfriends are interested in investing and its refreshing to have a woman talking about it! :)

[@NatalieBarbu]

Completely agree!! We need to talk about it more.

[@wanderingwithyanvlogs]

me too! it's about finding multiple sources of income!

[@tracy_cakkes]

Definitely! Same here! I can talk about it all day with my stepdad but my mom zones out lol

[@SamElle]

I’m forever grateful when you put out more business and finance oriented videos!!!

[@NatalieBarbu]

I’m so glad you find them helpful!

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@JenLauren]

okay i NEEDED to hear this!!!! love how transparent you are

[@CarasPlace]

Here from Kelly Stamps ✨ hey Natalie. Great tips! Thank you for sharing.

[@FashionbyMer]

this vide was sooo helpful! i love how you really broke it down and explained everything :)

[@heydahye]

Great advice as always!!! Would love more financial tips related videos in the future. xx

[@tinisha201]

I really enjoyed watching this video! super insightful

[@honeypotfilms6066]

me: in highschool also me: well it’s never too early - honeypot films

[@NatalieBarbu]

Never!!

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@EvaAntonia1]

Thank you for these tips and this advice :)

[@vica4213]

4:07 - video tips begin here. xoxo

[@karencabral3102]

I love that you talk about money so openly ! It really needs to be spoken about more

[@emstarrr86]

these videos are so helpful!!! thank you! i’m so clueless about investing but i wanna do it and don’t know where to start

[@allthehui]

Another thing about investing is that when you keep your money in a savings account, the interest is actually lower than the rate of inflation, so unless you diversify and INVEST you will actually lose value over time 😖

[@allthehui]

Even if it is high yield!

[@NatalieBarbu]

Yes agreed!!!

[@Ribbonnest]

At least it’s safe. The stock market has blown this year I have lost a ton

[@wanderingwithyanvlogs]

yeah that's a really important note, a lot of us (aka me in the past) don't factor in that inflation is an ongoing thing and that our money won't be the same value it is in 10 years

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@KajaKubicka]

I really love your finance oriented videos!

[@hafsaa3]

these are my favourite type of videos from you

[@AN-sx8xo]

I don’t remember how I found your channel but I am sooo glad I did bc you are the change we need in this world. Talking about REAL issues and REAL solutions instead of pointless drama or consumerism! Keep doing what you’re doing girl! I see big things coming for you! (:

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@isabels5315]

Have you shared a budget template on anything? That would be so helpful for me!!

[@wanderingwithyanvlogs]

Great video! I think one of the challenges is also like trying to weigh up should we be kind of "using the money" for experiences / lifetime adventures vs saving up for houses etc that will put us on a steadier path in the future. There's always that conflict of like which is better, or how at least should you have a balance? I spent almost the past 10 years living in different countries, from NYC, London to Hong Kong (now I'm back in Australia) working in fashion marketing, and there always will be that kind of internal conflict of whether or not I should have been more financially savvy (as my peers have houses and stuff now) but I'm also incredibly grateful for my experiences too. So yeah that's kind of the internal conflict that I'm sure everyone has too, how do you balance between having that financial awareness to gear up and start building towards a path of stability, while also making the most of your 20's (where you might have least responsibilities - in terms of mortgages etc), and you know experiencing everything you want to...

[@cm6225]

One thing that I’ve learned so far in my 20’s is that if you don’t have the money to pay back a medical bill or some other kind of unexpected expense, call the company and inquire about payment plan options. And be honest about what you can afford to pay per month. WAY better than letting the bill sit and go to collections.

[@jackiek4159]

I have done most of the things that you've said and have gotten better at managing my money over time! These videos are soo soo important! Loving your business and money videos girl! 🙌🏻💞

[@alexandram]

This is so helpful! I always have been a big saver and just always assumed that was the best thing to do until I started watching videos like this and listening to podcast! I definitely wish this was talked about more especially in the education system. Loved the video 💗💗

[@joymae]

I think I have made all these mistakes in my 20s. I swear your 30s just keep getting better...at least I've heard.

[@NatalieBarbu]

Yup made most of them too! Haha

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@maysen77]

I love this type of video and the emphasis on WOMEN doing important things with money🥳

[@LayneFable]

love this video! and LOVE robinhood also, idk if you have a video going in depth about this but how did you find your manager / your manager find you? would love any insight! xxo

[@deryamelody5423]

I think I remember her saying in a video that the manager reached out to her 🧐

[@briannalyn]

I have no idea why or how I stopped watching your videos, it was not intentional, but I found myself randomly thinking about you. God put you heavy on my heart, so here I am, at midnight, binge watching, liking, and commenting on your videos. Much love for you, you are such an inspiration.

[@FoundSheep-AN]

Was it God?

[@MeganMuise]

Omg I needed this

[@carolines2232]

Besides realestate, what other things do you think are worth investing in? 😊 PS love these money videos so much they are so helpful thank you!!!

[@sophlizabeth]

Any beginner credit cards you recommend? Especially for racking up miles?

[@vidahappy-frugalspanglishv1528]

You are so right! Even the $1000 emergency fund to star with is better than nothing, and then you can work on the 3-6 month emergency fund after... just so you don't rely on using a credit card when something comes up. Great video!

[@AmandaFiorina]

I love your money videos, you actually make it exciting to watch

[@NatalieBarbu]

Aw yay this is so awesome

[@AlissaintheCity]

Such a great topic to discuss, especially with a younger audience! I use Stash which is very similar and I love it. I have automated investments to ETFs every two weeks and I don't miss the money at all because the amount isn't too high or too low to make 0 difference. You literally just watch the money grow! So easy.

[@NALBATRAVELS]

I’m so aligned with your tips. I do most of these things already but it’s just reassuring to see that other people think the same. The point about rent resonates with me so much. I’ve been living in apartments “below my possibilities” for a few years now because I can save so much this way, but sometimes I get jealous of people living in super amazing apartments - but I know I’m doing the right thing. Always interesting to hear your point of view. Thanks for sharing!

[@amyk3020]

Great advice on so many levels. The rent question is big one....can't believe the prices especially in the Tri-state (NYC/CT/NJ) area. After living in 5 states there are so many places that are more affordable and can still allow you to work remote and you do need the passive streams. Love Robinhood...

[@eliashleyy]

Love how inspiring your videos are!! I've been watching you ever since you were in college!

[@NatalieBarbu]

Thank you so much 🥺

[@IslamicStoryPresent-fv5hc]

Great

[@innovatxon]

Great video and key points, especially for women to uncover! You don't need a finance degree to be an investor, just need the desire and willingness to discover how to make it work for you, your future and your lifestyle ✨

[@Originataly]

I am now 27 and working in accounting. I also track my expenses in excel per paycheck not per month. It’s very helpful! My biggest financial mistake was spending my financial aid money on a boob job in my early twenties lol I had to get student loans for the last two years of college and now have that debt and I could have had debt less in student loans if I used the money correctly. It’s the only debt I have now but I’m gonna get it gone soon!

[@brubie535]

Yes I second the excel per paycheck budgeting method!! I do this and it's helped me pay off all of my student loans and my car! Really helpful to see where your money is going and what bills you need to pay each paycheck

[@cocomarineblu993]

This comment made my morning

[@Originataly]

coco marineblu lol Im glad 🤪

[@jairem5710]

I just turned 25 and growing up I was taught by my mom to save my money and put it in a savings account. I really wish I had someone tell me that investing my money was the wise thing to do when I was 18. I guess better to do it now then later on. Really glad I found this channel! Thanks Natalie!

[@lvega5606]

Normally I'd say you're still so young you didn't waste much time, but the last 12 years has been incredible for the stock market. Dow has multiplied by 5 (and more than doubled since the peak in 2007 before the crisis). But over the long haul, the market should still increase quite a bit. I'm hoping 10% average annualized. So every decade, on average, your money should double (net of inflation). That means every dollar you can invest in an index fund etf now should be worth $8 in today's money in 30 years. A $5 sandwich is a $40 sandwich if you could have invested the money instead.

[@daniellewhitt5055]

Where was the video of starting a side hustle i couldn’t find it? But love the money talk videos!

[@IslamicStoryPresent-fv5hc]

I am fascinated by your words saying something inspiring at seven...Really, seeing this, I kept remembering my dreams that I have to fulfill them....

[@ash_posh_omg]

Love the topic girl! Cute vid🤩✨

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@BriaArseneault]

wait i didn't know you used to work at american eagle!! i currently work there and its SO hard to not use our discounts when we get new product haha

[@sophlizabeth]

Just turned 30 and I’m just learning about all of this now 😖

[@claudiaaa4268]

These are all great tips. Also, few weeks ago i dowloaded Mint. I always say i dont buy cloth so i put a 40 dll a month budget. So last month i showed i spent $160 on cloths😬 i couldn't belive it. Turns out it was also part of my brothers birthday gift but i had forgotten already. I also have 20 budget for coffee and it turns out i spent 60. I had forgotten already. I recomend an app if you tend to not stick to a budget like me.

[@alliec2549]

Are you in Charlotte!? Hope you’re staying safe!

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@rileymeektibbs]

Do you have any advice on getting your partner (boyfriend) to budget as well?

[@alexncaceres]

I’m watching this being 25 and being like wow I’ve made a lot of these. My biggest one was in college I was notorious for putting big expenses on my cards for the sake of being able to do things. Luckily I never let it get too out of hand and have since paid them off but I was definitely heading into big debt fast.

[@eddlinekusumaandani6062]

im starting with one month of salary for emergency fund. small steps matter

[@FNFilmsPhotography]

You have listed up some great points! Definetely trying to consider them!😊 Investing in stocks may could bring you a lot of money but also could ruin your whole existence! - you NEVER know whats coming in the future - be careful guys its not easy money its super risky!

[@maysen77]

Yes which is why you just treat it as throw away money. (still trying to be smart with the types of stock you invest in of course) And if you get something out of it then it’s a win. But if not then you’re not missing out on anything.

[@lvega5606]

If you invest in a diversified, low cost, index fund etf (like IVV) over the long term you will almost certainly not lose any money. Over only a couple-year period you could. If you keep it in there for 15, 20, 30 years, though, you should not lose anything, and on average, your money will multiply ×8 after 30 years (assuming normal inflation of 2-3%). If the market is down after a period of 15 or more years, then the world would have to be having some major problems, like basically be coming to an end. If you choose to keep the same money in a savings account, paying close to 0% interest, inflation would erode the value of your savings by 50%. Would you rather multiply your money by 8 or cut it in half? It's easy to invest. Open an account with any online brokerage that charges $0 commission. Put your money in a diversified index etf. Add to it every once in a while - maybe each month. Let it bake. After 30 years, look at what you've got. Remind yourself every time youre about to make a nonessential purchase that the opportunity cost of the item is actually 8 times the sticker price, since you could put it in your index fund instead.

[@bricheese473]

Love these videos! I think for a lot of young women its intimidating to rely on this financial/ investing advice from men who try to make it sound more complex than it is to boost their egos 😂

[@KristaCannady]

I honestly LOVE budgeting and taking care of my money. Makes me feel so accomplished!

[@mirandaalexis]

that savings account important

[@blancaah6]

Why do I have a sense of deja vu?

[@tracy_cakkes]

I’m already doing all of these things (business major here lol) and I can say you were straight on the money on everything in this video Also your looking to buy a house? R u staying in NC or going back to NY? 🧐

[@joannatiller7385]

this video was calling my name.

[@Asshlaay1]

Sorry if I’m late on this, but what is Natalie’s ethnicity? I feel like I’ve seen them say they’re Brazilian but i could be wrong

[@michealmorgen8237]

As the economy crisis keep rising,one needs to have different stream of income, one needs to have a diversified portfolio in order to survive

[@wanderingwithyanvlogs]

totally agree! not just be reliant on one source

[@bebeerin]

a good reason to push anyone on the fence about starting to invest is to understand that you NEED to invest simply to keep up with the rate of inflation every year. if you just leave your money in the bank, then you're actually losing money every year due to its new lower value. your savings or checking account interest cannot actually give you a real return on your money when it can't even keep up with the rate of inflation. savings and checking account interest rates are the lowest they've ever been and they're not going to drastically improve. whereas if you were to do even a safe investment like a broad index fund of the top 505 companies such as the S&P 500 without even investing in a single other stock, the average annulized total return for the S&P 500 index fund over the past 90 years has been around 10%. meaning even if you were to only invest in this one broad index fund, you would turn a 100 thousand dollar investment into 1 million dollars!

[@NatalieBarbu]

This is so so true

[@robertlarrisson2575]

I found this honest and want to share I never believe in forex trading, until I got my profit of $8,020 through forex trading with the help of Mr Nicholas Myron on Instagram (@nicholas__fxtrade)........

[@sarabianchi5091]

Can anyone recommend any good books to build a good education in the financial field? Thanks ✨

[@lvega5606]

This is an older book (published in 2000) so there have been a lot of technological advances since then, but The Intelligent Asset Allocator, was very helpful to me when starting my finance career. And actually, the Investopedia website. I still use it for reference.

[@valeriaaguirrem]

hi!

[@AlexandraAnnette]

i need to invest but im also scared 😟

[@Aripoma]

If you are interested in investing but don't know where to start google "3 fund portfolio". Its a super easy way to invest and you can automatically pull money from your bank account and just constantly invest without having to worry about. I recommend Vanguard for your brokerage account, but there's many more!

[@stephaniesaviano505]

Which credit card do you use? Always trying to find the best one to maximize points!

[@NatalieBarbu]

I have a chase sapphire and also American Airlines one!

[@stephaniesaviano505]

@@NatalieBarbu Thank you for responding!! :)

[@SamFerro]

you are serving LOOKS today. so classy & sophisticated

[@NatalieBarbu]

Ah thank you!

[@angelrodriguez7647]

Make a what a spend inna month so graham stephan can react to it

[@carole2216]

You’re looking to buy a home?? I heard you sneakily slip that in girl!! Does this mean no more nyc apartments in the future?

[@wiktoriabadora1243]

she said before that she's buying to rent, not to live there

[@stephaniedasilvaox]

If you happen to read this, You are amazing You are wonderful You are beautiful You are worthy 💞 *small youtuber here*

[@hestiabeukes9565]

Also not working towards your dream in your 20’s making someone else rich and waking up in your 30’s..

[@digitong5040]

👍

[@cocomarineblu993]

Walk out of DEALERSHIP NOW!!!!

[@AbigailDelano]

Who else wants to get into investing now? 💲💰💰💲

[@sarg5449]

Investing your money right now is VERY risky and our economy could very possibly collapse any day now. Also, owning a home and being a landlord is incredibly stressful. Things break, tenants don’t pay or destroy the place and it’s 100% your responsibility. Not to mention, as a landlord you can’t evict anyone right now for non payment.

[@cocomarineblu993]

Exactly why I’m not til I graduate in two years.

[@marias6626]

Video started at 04:08