How I saved my first $100,000 (my formula)

👉🏽 Free save your first $100k tracker: nischa.me/personal-finance-tr...
Get a free share worth up to £100 using the promo code NISCHA* or visit: www.nischa.me/trading212
In this video I talk you through some of the key steps I took to save my first $100,000 (well, £100,000 if we want to be particular!)
The Intentional Spending Tracker (free) - I use to manage my money - nischa.me/intentionalspending...
00:00 - The Why
00:43 - Increase the savings cap
01:12 - Option 1 (Easy)
02:20 - Option 2 (Medium)
03:01 - Option 3 (Takes persistence)
03:45 - Creatively live below my means
06:05 - Why $100,000 is important
KEEP IN TOUCH:
🌍 My website - www.nischa.me
📸 Instagram - / nischa.me
🔵 Facebook - www.nischa.me/nischafb
DISCLAIMERS & DISCLOSURES ❤
*T&C's apply for the promo code: www.trading212.com/legal-docu...
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support

[@nischa]

👉🏽My free “Save your first $100k”tracker: nischa.me/personal-finance-tracker

[@RichLifeResources]

🔥🔥✨

[@Homeboy321]

The email with the tracker download doesn't seem to be coming. I've tried 3 times now and still no email. Any ideas?

[@RichLifeResources]

@@Homeboy321 it took sometime to work for me. I tried a second email address and it went to spam, see if it's the same for you

[@lassbk2]

Sorry, my brain is slow… is this 100k into savings or into investing? Been binging your videos. Love hearing what you have to say. Thanks!

[@Uyiiouuoiuiiuyi]

@@Homeboy321try again mine working at second try

[@brianwhitehawker1756]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.

[@Jadechurch-ql3do]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@yeslahykcim]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@JamesScott433]

@@yeslahykcim I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you

[@yeslahykcim]

Laila artine kassardjian is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@geraldt331]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@ascendant9792]

To the best of my knowledge, Mungers quote is from the early 90s. Meaning that the 100k he referred to, in todays value, probably is around 350k. Something to think about.

[@ratsliveonnoevilstar1]

Thanks for that 😂

[@christopherkim8391]

Actually the number would be more like around $220,000 -$230,000 but your point is well taken.

[@ObjectiveObserver-xh4vk]

Most important is to start saving, and make it a habit.

[@benfulford3943]

The 100k number is completely arbitrary. The concept of compounding works exactly the same whether it is 100, 1000, 100k or a million. If you can only afford to put a tenner away each month, it's still going to take you 7 years (@ 8%) to get to a grand and then will reduce down accordingly in the same way as if you are putting 1k away each month will take you the same amount of time to get to 100k. We see it so much on finance KZbin cos munger said it, while it is an important lesson about compounding the figure is completely irrelevant and is scalable in proportion to the amount people can afford to save.

[@Imhimdogg]

Take that 100k and borrow high dividends etfs on margin and hold them forever. You can generate close to 5k+ a month in dividends and more if you let it compound.

[@_TheVAX_]

Nice video! Please please please make a video of all your failed side hustles as you mentioned. It's important for people to understand that failure is just part of the journey

[@andrewmaplethorpe1125]

Yes, failure isn’t the opposite of success… it is part of it.

[@nischa]

I will do!

[@SB0427]

​@@nischathanks!

[@_TheVAX_]

@@nischa thank you!

[@LethoHali]

Thank you!

[@Investingcoachw]

So true! The first $100k is the hardest because you don’t have compound interest working hard for you yet. It took me 4.5 years to hit a $100k networth. It took me 2 years to hit the next $100k.

[@pseudocode1]

preach! more people need to understand this and start ASAP

[@mvcards20]

S&P 500?

[@Investingcoachw]

@@mvcards20 yea a good portion of my portfolio is in the S&P 500. It’s diversified into all of the US publicly traded companies and some international index funds as well.

[@pseudocode1]

@@mvcards20 vanguard etfs is one option for passive income. im getting a nice dividend from VGS for this quarter, reinvesting to compound and buy more, have others as well to diversify..

[@colbydonnelly6515]

I was aggressive but on a 60k salary and investing in new legal market. Still only available to half USA this stock will 10x in next 5 years. DraftKings. A compounded 1,000 a month for 5 years you can be multimillionaire. It still only in 20 states will be in 50 next 5 years. Look it up and good luck

[@GreenWaifu]

In an age where instant gratification often reigns, this sort of practical advice is what we need more of, especially for young adults like myself. It's about time we make saving cool again!

[@tashagees8068]

Dude you are like legit empowering us young people about financial issues. I am a 31 year old guy learning a lot from your content.

[@leep1667]

You are not young.

[@Kaikaiiiiii]

You are definitely not young 😭

[@Adelehalsall]

As if people here are saying 31 isn’t young…wow we really do life in an ageist society. 🤦🏼‍♀️🙄 Trust me guys, your 30s will be here before you know it and things won’t even feel any different. Then let’s see if you think 31 isn’t young…

[@KeyAppeal]

31 is young!

[@LanceyRoche]

I’m a dividend investor My wife and I have invested in the s&p500, both through my TSP with the government, and through Fidelity in her 401-k.Cashed out 270k from the S&P and invested with a Full service broker ... Until around 3 years ago we were 100% in the s&p after over 30 years.I'm retiring at the end of this month at 59, while my wife will retire next year at 54. We currently have 3.7 million in out tax deferred savings..

[@saakerson2]

I’m at $84,000 now.

[@angelaofosu-barko5268]

Good job, you can do this!!

[@stephmeldrich6765]

I have to say that the first $100k is the toughest, it'll surprise you how easy it gets from there, i'm speaking from experience my wife and i managed to save it, we could have spent it on a lot of things i mean we could have gone on vacations but we didn't and funny enough didn't really start seriously investing until I was 30 back in 1998. Today, I'm 53 and have a decent $1.2M nest egg. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.

[@stephmeldrich6765]

@@harrisahmed3066 she surely goes by the name Lisa Rosa Cavanagh. do an online search to find her.

[@mjacksonjones]

Congrats and amazing!! Question what is the percentage of that 1.2M Pre vs Post Tax?

[@danielredziniak2996]

Go on that vacation

[@shellyperera2010]

You've missed out on living. Go on vacation! You will never get those years of your life back. Each to their own but I don't regret a penny of the fairly substantial amounts we've spent on family holidays, the good times and memories last a lifetime.

[@cesruhf2605]

@@shellyperera2010 especially with your aging family :'(

[@jollyjames30]

That's very interesting actually. The fact that you tried many other businesses on the side that didn't create positive results but still stuck to it and kept trying. That would make for a great video!

[@AR-ln7ln]

$500 a month invested for 10 years will get you to $100k. I waisted my time with properties which took time, energy, and was stressful at times. Sold both properties after ca 11-12 years (which didn't appreciate much) and put the money into market. The rest is history. Had I put, every penny I put in properties, into market, I would have made 5x the money. Glad I got out and trying to catch up now.

[@runescapefan0001]

No sure if you're including growth, but $500 x 120 months is $60,000

[@dianao.4757]

What do you mean put it in the "market"?

[@rjt1201]

I think it depends where in the world you live. The house I just bought (uk) cost double what it did 8 years ago. So if I bought it 8 years ago. And sold it last year. I'd have made about £90k plus whatever rent I made... but I didn't, I left my savings in a bank 😂😅

[@patrick7228]

A job should be there to learn or to earn, ideally both. Love that. Going to have to remember that one.

[@DeclanHiggins-YoutubeChannel]

Living below your means and watching your spending very closely is very important particularly in the current environment. Thanks for your wisdom as always Nischa 🙂

[@ethicalbunny]

My next goal is to save up the deposit to buy the house next door. I bought a tiny home just for me 1.5 years ago with £5k which needed a lot of work but I got it on a 5% mortgage which allowed me to move out of rental. I’ve been doing it up ever since and just got a cooker (I was on a camping stove before). Lots of people have said to me they would never do up a home or live somewhere half finished or sleep on an air bed for 6 months. Most are too used to being comfortable, building wealth is slow and unless you have lots of options or family with money you need to make sacrifices … worth it in the end 😅 brilliant tips as always, although that isn’t my goal for now your videos always give me lots to consider! ❤

[@nischa]

100%. Love this!

[@ratsliveonnoevilstar1]

We’ll done. You played the hand you had well. Keep going. Just make sure you do all the numbers and consult an accountant. It will help you from making financial mistakes

[@jeffandsherriefranzwa8970]

You’re doing great. Unless one wins the lottery jackpot or has oil discovered on one’s property, time, persistence, and delayed gratification are the path.

[@regs3941]

Thanks for sharing your story! It's a pleasure to read :)

[@nonegiven9579]

Crikey , what country can you buy a property for 5K ?

[@dotpenji]

Main lessons: 1. Importance of the First $100,000 2. Increase Earning Potential 3. Investment and Assets 4. Persistent Exploration 5. Creative Living Below Your Means 6. Analyzing Expenses 7. Compounding and Investing 8. Set Clear Goals 9. Continuous Learning and Adaptation 10. Individualized Strategies

[@monalizapantoja8490]

I appreciate the listings @dotpenji.

[@kristineambas]

wow , thanks for listing

[@monicasoriano8581]

Thanks for this!

[@lusyow0517]

Thank you for this!

[@ryanvalenzuela551]

thanks for the insights

[@xiomaragoldstein7142]

Great video! And thank you for being honest about the advantages you’ve had on your financial journey 😊 many other creators fail to mention this, and make it seem like it’s easy to save this amount of money. So thank you for acknowledging the different points of departure we all have.

[@mxmus08]

Nice to see other ppl in this chat talking about building wealth. 100k is something I’ve set my sights on cause when I broke it down over x amount of years it is soooo attainable. I’m going to screen shot my balance when I get there and use as motivation.

[@scap11]

I’m on the cusp of getting my 1st home, I’m looking to get it and rent it and live with my parents for a few years as you did.. using tax defo my accounts to increase my deposits and also putting aside for small things I like to have(investing in watches) .. thank you for this video really boosts moral when you confirm that my thinking is correct ❤

[@laurensapato9797]

I am so guilty of not tracking my spending more strictly. As long as I’m net positive at the end of the month I would keep on with my routine. But I finally took the time to track and categorize what I spend my money on and the numbers seemed so staggeringly high. Just totaling up the Amazon purchases alone was the reality check I needed 😅 thanks for the continuous drip of knowledge and inspiration. Keeping the idea of saving and smart investing top of mind is a great way to help me be mindful of what I put my money towards.

[@MalluStyleMultiMedia]

I’ve rented out two of my bedrooms and converted my living room into a bedroom for myself in my early 20s. 😂

[@susanwaterworth5622]

I would love to see the 'failed businesses' videos. That would make me feel so much better about my attempts . . . Once again, thank you so much. The way I saved my first 100,000 was by automatically contributing to my 403K account every month and it just took off from there. Making it automatic was key for me, especially when young and undisciplined. Thank you, Nisha.

[@normanburrows349]

I bought an older year box truck (I'm a welder) so I have access to unlimited steel I have formed metal working skill over the years and I have converted this thing comfortable enough to live in rent free all the extra money is either going towards saving or investing it's possible

[@RichPerspectives]

The tip about Creatively living below your means is such a game changer! Thanks for sharing.

[@sammango2851]

Congrats on reaching 100K Nishca and congrats on half a Mil Subs!!- The channel is Blowing !!

[@nischa]

Thank you!

[@FutureInvestmentsBullion]

Love your content! It keeps me driven and motivated. It also helps me stay on the right track for my goals.

[@DavidJGreenwood]

I find these vids so valuable Nischa. You’re a natural in front of the camera and are a font of knowledge. Thank you for sharing your wisdoms. 👌🏽

[@jayantasanyal4363]

As a NHS doctor I wish you good health ... May you keep delivering such inspiring lectures.

[@yellowsurge3309]

You are spot on with your advice, as someone that built wealth from nothing I can tell you’re teaching based of raw experience and not just regurgitating random information like many other teachers.

[@Catanya9]

PLEASE make the failures video. So helpful to see how others have tried, experienced challenges and overcome.

[@keshinitiwari5425]

This is amazing! Thank you! I love that you still have your "day job" and doing YT on the side. This way your advise feels a lot more applicable (to me at least). I'm someone who wants to continue doing my day job while still looking for an additional source of income.

[@zulalegna]

Definitely would love a video talking about those things that didn’t work as side hustles and why.

[@als7132]

I agree living below my means helped me to achieve my financial goals. Also, I improved my understanding what are my “needs and wants.” Lastly, paying myself first before I paid my monthly obligations. Thank you for your presentation today.

[@dougl409]

So glad to have found you, Nischa. You talk so much common sense. You wanted to know so here goes: I got out of the rental scene at a very young age (23, I'm now 59) and bought a supreme handy-man special home for only 29K in 1987. This forced me to learn plumbing, electrical work, sheet rock, flooring, and everything else because my house needed everything. I got my first decent job (25K back then) a year later and contributed 15% of my salary to a company 401K and an equal amount into a Roth IRA. When I transferred jobs to another state 5 years later my realtor advised me that the bank approved me for a 130K house so I bought a 69K house and paid off the mortgage in about 7 years. The mortgage payments now went to my Roth IRA and the stock market. I never had cable TV, my phone plan is only $14 a month, I never had a car payment, and I rarely had to hire anyone to do anything because of all the repair skills I gained along the way. I also learned how to tune and rebuild pianos along the way a had a successful side business for 10 years of that time. I love your videos. I hope to keep learning.

[@MarkusBlue]

This is so valuable. Thank you thank you for putting content like this out. Your “knowledge is power” becomes “sharing knowledge is power” thank you for your transparency!!

[@yuval7213]

I'm just saying that your channel is one of the few ways that i have Notification turned on:) Thank you for your high-quality contact very informative

[@spelonberry]

As soon as I had 100k I bought a house. It was something I always wanted to do. Now it will be easier to buy my next house. I'm not doing it to get rich quicker but to live my preferred lifestyle. To me this is just as rewarding.

[@pseudocode1]

you could have invested it and made another 100k within a couple of years and then bought a house. but now you are stuck paying the principle and interest on a mortgage. you could have taken some of the dividends from your investments to offset your interest on the mortgage in an offset account or in extra repayments, or let it continue to compound by reinvesting the dividends. either way, buying the house first made it harder for you to get the next 100k into investments that will earn passive income. i dont think you have comprehended the power of compounding at 100k. sure its not enough to live off, but you can get to 1 million this way within 30 years easily just reinvesting the dividends. At that point you will be able to live comfortably just off the dividends and no longer need to work. Or continue to reinvest it and set your bloodline up.

[@spelonberry]

@@pseudocode1 Yes, I am stuck paying the "principle [sic]" and interest (

[@pseudocode1]

@@spelonberrycare to explain how you have such a low interest rate? When the average is 4.79% for a 5 year Mortage in Alberta. You stated you have room mates. Are they contributing to paying off your mortgage? What are your monthly repayments in order to pay off this in 5 years?

[@spelonberry]

@@pseudocode1 Sorry, I'm too busy decorating my house that I bought in 2021 when interest rates were 2% to explain

[@pseudocode1]

​@spelonberry cool story. nice to see young tryhard youtubers being so humble. not the only one decorating their house. you really think its a flex. oh wait my quarterly vanguard etf dividends just came in, im just going to make my free mortgage payments with it excuse me.

[@jasperflontes4289]

Not making upto a million before retirement is an unfulfilled retirement. I’m 54 and my wife is 50 . We are both retired with over $3million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on the FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early. Even till now, we earn weekly.

[@Adelehalsall]

It’s comments like this that make young people terrified of retirement. Grand statements and generalising because that just happens to be working for you really don’t help.

[@aymenelmardi7788]

I've managed to save £4k and that's going to be my emergency fund. Next plan is to start a side huslte... I already have my first client. Thank you Nischa

[@BuddhaSunn]

Can I ask what side hustle is please?

[@aymenelmardi7788]

Side hustle is a job you start on the side with your regular job with the hope that one day it can replace and surpass your main job

[@DanOMallsVideo]

Thank you! I'd love to see a video on failed businesses you've started, please! Very curious as I research side hustles quite a bit.

[@liam70457]

Great video Nischa! I've just started this goal, as I live with my parents, my idea is to save around 20k into an index fund before moving. I'm basing it on a 10% average of over 10 years, with a yearly deposit of 2.5 to 3K thereafter, the initial deposit will be difficult but once this is achieved, the yearly deposits are possible whilst still living a good lifestyle. Time also plays a big factor for the compounding to do the hard work!

[@shellyperera2010]

10% over 10 years is quite ambitious. 7-8% more achievable. Better to err on the conservative side imo.

[@fedvvvv]

It took me 7 years to make my first $100,000. I think the first 2 of those years was me trying to figure out how to save more efficiently. Now I am on track to making each $100k every 3 years.

[@RandellJohn]

Great video's Nisha. I love your openness about sharing your personal journey and finances.

[@BLESSINGMARIEE]

Thinking about your biggest costs and understanding how to get the same thing for less is SOOO key

[@GibbG]

I'd love to see a follow up to this video, of what to do after you've saved the first £100k, best options for compounding, portfolio diversifications etc

[@collinsnorman473]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@lrose6712]

just turned 20 this june, currently have over 50k saved in the bank and other investments which make my net worth add up to around 80k still at home so my expenses are extremely low, my total monthly expenses are less than 7% of my monthly income.

[@DrDrayHUB]

I have an idea

[@MindfulJai]

Love the structure to this... noticeably different And love you used the word Mindful too 😅

[@AK-xj2di]

I'm learning this to educate myself & my child. Thanks for this video.

[@tikax2085]

You’re content is so helpful, thank you !

[@aaminapatel8370]

Hi Nischa, Please can you do a video/s on your journey of buying your first property and everything one should know. I'm in the exact same position now so would find this really helpful. ❤❤

[@nischa]

I’ve got a few property ones coming up :)

[@Bartosz84]

Now I know where should more focus. Thank you for sharing your experience and giving tools.

[@nsamuel5617]

Hi Nischa, I really appreciate the information and concepts you provide in your videos. I especially like that you break down the info/concepts into smaller digestible pieces, so you are not getting information overload with too much information coming at you at once. I was trying to access the $100K tracker sheet but haven’t been able to. Is it still available to download? I did enter in my email and name and checked my spam/junk folder but still haven’t seen it yet now going on day 3. Thanks for your help and see you at your Making Money Workshop.

[@dominic8218]

Brilliant Nischa. Great tips and loving your Vlogs 👌🏻

[@betinasimeonova6421]

Also, thank you Nischa for sharing that you lived with your parents! Most people don’t aknowledge help they get, I think it’s amazing you have shared this. Love your videos!

[@christianholmes908]

Hey Nischa, I have an interesting somewhat topical question- did you ever take a career break/time off from investment banking? Whether to travel, pursue a new avenue, or simply take a well deserved break? I feel more and more people are considering this, often to consider their next move.

[@QueitMinddd]

Sometimes if you’re focusing on a business, buying an office work space and just using it for living too may be the best short term option

[@chillelement8301]

is that legal?

[@annadrawsnow]

I love this quote by Charlie Munger - it gives somehow a clear way and sets a clear financial intention. Love it ❤

[@Rebecca-rc4ds]

Told my sister today about this great KZbin channel on finance I have been following for quite a while... turns out she's been following you already, too 😅 Thanks again Nischa for another great video and greetings from Berlin!

[@tannyaSA]

I would really like to see a video like this for a single mom with 2 kids who is the sole provider for her kids.

[@ellliamelli3867]

Love your chanel and want to thank you for sharing all this valuable information.😊

[@matthewjamesduffy]

I love this channel, it is so helpful! Thank you 🙏

[@bdawg6615]

New fan. Adore your videos, Nischa. Just binged about seven of them in one go.

[@tsveti17]

Amazing content as always! Happy to see that you’re promoting a platform, made by Bulgarians, I’m Bulgarian too. ☺️ I’ve considered investing in stocks for the last year, as a next step of my investing strategy and this time I feel like committing to it trough your promotion link. ☺️

[@vijayshah4880]

Thank you for setting, such a nice video and keeping us updated

[@sidjain0599]

Great video as always. Also really enjoying the advice and extra info from the emails.

[@nischa]

Glad you’re enjoying the emails. Thank you!

[@Guitar4life99]

Failing forward... that's a great concept, I like that line of thinking.

[@thegitaneensemble5071]

Thank you Nischa! ‘A job should be there to learn or to earn, ideally both,’ is a great quote and I wish someone told that earlier in life. When saving $100,000 you mean through a saving account or through a index funds or both?

[@ItsJustSimpleAsThat_Ang]

Both! It can be retirement and non-retirement accounts

[@albertoalvarez7623]

Thank you for your knowledge! always enjoy your videos.

[@peterlloyd6337]

Nischa, thank you - you really motivate!

[@MillionaireHouseholdFinance]

I agree that money is a great tool for the life you want. Great video! It's interesting to see the different paths to take to get positive outcomes.

[@prospect2664]

1. can ask for an salary raise next year and cant really get an 2nd job 2. hmm, can save nearly 40%-50% of my salary (dont earn a lot tho) 3. placing the money into a place, where it compounds is the hardest (and wont lose money thru stock going down

[@oseibeneman9042]

Great video. I am always taking note. Very educative video.

[@makamurphy]

I really love your channel, thank you for this!!!

[@lyusuf1979]

Wow, amazing information here Nischa. After watching one video of yours particular this one, I subscribed to your channel. I'm gonna watch more and enjoy your knowledge you share. Thank you 👍🏽

[@BBThemes]

as someone that hit that mark recently, i can say one other way is to look at what you waste money on, even the little stuff matters, like lets say you do the euromils for £2.50 and do the 2 a week, thats just 20 quid a month so seems like nothing, however over your working life (45 years) if you put that in a high yeild account of 5% (investing may return more etc etc) you`d save 11k of your own money and it would be worth 40k. fwiw if you looked at 8% return with investing over the same time period its 100k value, you can apply this to anything thats a fiver a week like your coffee, going for one less pint etc etc, the little tweaks can have large results given time,

[@mrjtibor]

Great content for everyone, and it's great that young people are taking notice of you. Unfortunately, there are countries where the pay is much, much less than where you come from or live now and it is almost unthinkable to accumulate any wealth at a young age, especially under 30, and unfortunately even a significant proportion of the older generation are living day to day. But regardless of everything you are a positive example, so congratulations and keep up the good work!

[@negoforex8534]

omg, im loving it!!! "If you fail, then fail fast and fail forward." So much dense wisdom!

[@Joelifts_stuff]

i feel like barely any of your videos apply to me earning below 25k a year but they are great videos to get better understanding and generally entertaining to me

[@gerardoromero2550]

I'd love to see a video on failed businesses and going back to zero. I'm at that point in my life and it'd be great to see your journey for inspiration purposes.

[@getgofit-8090]

Hi what are your thoughts on offshore investing? Currently looking into this as i find its more favourable in interest rates.

[@jenfrancisangela]

thank you for all of your content! very appreciated

[@kwameosantos]

Making your first $100,000 is easier than saving your first $100,000. One of the many challenges I've faced on this journey. Great Video!

[@erandiganepola]

Nice video. Please do another video about what were your attempts and what did you fail too. If you lost money in this journey, that too. It will help others to get the idea about this journey.

[@Peterin]

Definitely want to see a video about the hustles that have failed? People really needs to know it's not always victory and it takes a lot of hit & trial to build something.

[@devkana5710]

Hey Nischa, another fantastic video. Just like other people who have posted on here I would also like to ask you to do a video on all of your failed businesses and then maybe a second video on all your successful businesses 😀 As Always carry on making fantastic videos. 😊

[@blacksmoke_1358]

Always a great job! Thank you!

[@Rovena_]

Thank you for great tips Nischa!

[@mariacorretge6615]

Hi, Nischa, I'd love to know what your take is on those of us with good pensions through work (NHS pension)- would you pause for investing or continue it and invest less? (I think we contribute 12% or so of our pay before tax and it's matched by the Government). My pension will be quite good when I retire, but it's a pension, not something my children will inherit.

[@user-mb3pr3ql6f]

Such valuable videos, I know incorporate at least one of your videos as part of my morning routine. Thanks!

[@kellydossantos3408]

Please make a video on all the businesses you have tried! Love your content!

[@fitnessimperial]

Absolutely love your content. ❤❤❤

[@mrsebagwell8856]

My partner and I did this by us saving my salary and living on hers. The only thing I spent on was fuel for my car and my pension contribution. If you can do that you have double the savings strength together.

[@CorneliaPauline]

Love the video. I'd love to brainstorm, or get more ideas for creatively living below your means across a variety of main 'budget categories'. Maybe an idea for a future video? Thank you for your work and for all the free content.

[@greigclement9081]

Although I'm on minimum wage, I have started investing, but my tax rate is 30% on interest. This makes any momentum feel slower :( I just hope it will pick up. I am throwing as much spare cash as I can into it while still leaving wiggle room for living expenses and very occasional treats

[@thelabbkk]

Great video and have really enjoyed watching your work. I am doing the work to reduce my costs and live below means. I rent a flat and have just put a deposit down on a smaller unit as it suits our requirements more and saves us $750 per month which I intend to save/invest Thanks

[@jeffandsherriefranzwa8970]

Don’t pick a job just for the money. Do something you’re good at, and you can easily do extra even if you don’t love it, as long as you maintain focus on your goals.

[@safari180]

I find your videos to be very well designed and put together - from lighting, to background, graphics and thumbnail. Would you mind making a video that shows your production process and tools? Especially given your subject matter, wether its worthwhile to pay for these tools/services or stick to free versions?

[@godsgotu6982]

Hi Nischa! What am doing to get to my $5k- 100k saving goal is my daughter got us a 100 envelopes saving Challenge bk in Oct.2023 and today is the 100 day Jan. 30, 2024. Didn't make the goal in 100 days, but am half way their. And it certainly makes you push and think of other ways to make income.

[@regtalkswealth]

The first ten thousand is the hardest once you hit that everything goes into cruise control and the journey gets easier 😁