ACCOUNTANT EXPLAINS: Your Ultimate Financial Plan in 10 minutes

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In this video I walk you through all steps needed to achieve your financial goals, including buying a home and retiring early
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TIMESTAMPS:
00:00 Intro
00:26 Step 1
01:56 Step 2
03:58 Step 3
08:06 Step 4
🧡DISCLAIMERS & DISCLOSURES
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!
*T&C's apply

[@BaileyJames-zv2ddd]

Our economy is afflicted by uncertainty, housing troubles, foreclosures, global shifts, and the aftermath of the epidemic, all of which contribute to instability. To restore stability and drive growth, all sectors must urgently address rising inflation, slowing GDP, and trade disruptions.

[@AlexClarkcompany]

The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.

[@OscarOwenn]

With my stressful career, I don't have time for investment analysis. For seven years, a fiduciary has managed my portfolio, responding to market situations, ensuring for effective navigation and informed decisions. Consider taking a similar plan of action

[@BaileyJames-zv2ddd]

How can one find a verifiable financial planner?

[@OscarOwenn]

My CFA, 'Leah Foster Alderman', is a well known figure in her field. I recommend looking into her qualifications further. She has extensive knowledge and is a treasure trove for anyone seeking to manage the financial markets.

[@BaileyJames-zv2ddd]

She seems to be literate and well educated. Thank you for sharing, I found her webpage when I searched for her online.

[@palebiss1646]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are ridiculously high and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways

[@AdamWright8fool]

The stock market will plummet further, so I advise you do critical analysis on companies you are going to buy. Even better, you could have an investment adviser guide you restructure your overall portfolio and offset the bad apples you’re holding, that strategy’s been working for me so far, saves me a whole lot of stress and continuous anxiety and also it’s very time efficient.

[@palebiss1646]

Very well said, who is this adviser that guides you and how did you find them? I don’t seem to find any locally and I’ve been having a terrible year.

[@AdamWright8fool]

*Leah* *Foster* *Alderman*

[@AdamWright8fool]

You'll probably get more information if you do an internet search for her

[@bossqueen_lala3098]

It matters not how much money you save, but how you handle it. Whether you work for a living or invest, it still boils down to revenue vs. expenses, so sure, you may look into financial consultants for a strategy that suits you

[@Meganfinch-uw7uy]

*Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $270,500 every months,God bless Christy Fiore🇺🇸🇺🇸🇺🇸..*

[@MarySusan-rq1yh]

Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down 🤦 of myself because of low finance but I still believe in God.

[@NancyMatthew-cc2hq]

Thanks to my co-worker (Alex) who suggested Ms Christy Fiore.

[@KelvinDaniel-oz9yq]

Wow that's nice She makes you that much!! please is there a way to reach her services, I work 3 jobs and trying to pay off my debts for a while now!! Please help me.

[@WilliamJohn.]

Great to see you guys talking about her, she changed the game for me.

[@PaulaMorgan-nn6wb]

*Please how can I contact her? I'd love to see for myself*

[@yogajaxx8299]

£5,700 net pm is a salary of £103,000! Fewer than 5% of us in the UK earn that so I would have liked a more realistic example. But like others have said, we can take the principles and I will be sitting down today to do that. This is fantastically helpful. Thank you Nischa. I only recently found your channel. I am 61 and learning a lot from your advice. I wish there had been something like this when I was in my 30s or even 40s, so I hope younger people here put your tips into action. Especially pay into a pension people! The earlier you start the more it compounds and builds up. Retirement may seem far away but believe me you don't want to get to my age and not have a decent pension fund accrued, as has happened to me. Your future self will massively thank you.

[@greigjduncan]

Side gig = tax free?!

[@AdeAde0224]

Definitely need something is more practical

[@johnallen1493]

My focus is always on the long run. But that does not mean I give up on life’s pleasures. While home, I save. While on vacation, I eat out (healthy meals only…remember, I think long term…both my health and my finances are based on long term thinking). This video is great on many levels because it shows what is possible with discipline and delayed gratification. Of course, we all make different amounts of money, but the thought process can be similar. Thanks, Nischa for sharing your knowledge!

[@DaleyRetro]

Whilst my bills are currently 57% of my income, I know that once my £600 a month Childcare Nursery Fee goes away in 2026 (when my son starts Primary School) it'll come down to 48% meaning I can save even more for my family's future. Having all this planned out in a Monthly Spreadsheet really helped me to understand my future saving potential.

[@3xAudio]

We need realistic videos of people earning between 20-35k. that is more common than people taking home 5700 a month

[@williambyers]

true, im on 25k a year. Excluding citys I think the average would be around 20-30k compared to the 35k everyone says.

[@SEANPOL203]

💯

[@KingBamBam712]

Same thing but smaller.

[@ethicalbunny]

Agreed, her examples and advice are always aimed at the top 1% of earners! I would rather see how to do this earning 2500 a month or less!

[@usainbolt5153]

is about 70% of the people in the uk

[@Joshky.27]

Maybe I missed it, but I didn’t notice anything directed toward the topic of generosity here, which is an important part of our finances. You mentioned spending/saving/investing regarding which buckets you can drop your money into, but I’d argue giving should be a fourth bucket. It’s important to think about people around us that need help with a tank of fuel or groceries. Give a little until you can give a lot.

[@alanvlog3442]

Find the book titled Secret Pathway to Triumph. You'll learn all the money attraction techniques there. Trust me on this.

[@kimimate]

Further videos on retirement planning, future investments and the 4% rule would be excellent. It seems like a lot of retirement advice or planning is gatekept by financial consultants or advisors, but like investing it's vital for this information to become more accessible to the general public. (plus to spread awareness of how vital early retirement planning is) Amazing as always Nischa!

[@Jonet01]

Yeah I’d like to see more on the 4% rule too.

[@jonathanunderwood8101]

Hi Nischa, I'm really glad you backed yourself and created this channel. Your videos are excellently made and very informative. I just want to say thank you. I wish you nothing but the very best for the future, you deserve everything.

[@Bearded_Bro]

Thanks Nischa, youre literally the only channel on YT that i watch regularly and often download your generous free tips and guide. Many thanks for everything and God bless you.

[@tagbon]

Nice video once again. There's always tradeoffs to think about. My current focus is - pay down a debt, then try saving for a house deposit.

[@pavankulkarni1109]

I am in early 30s and never had the understanding of the importance of saving and investing. Now I am learning and feel overwhelmed that so much of time has slipped through my fingers and not understanding what my focus should be - a house, future, or financial freedom.

[@SariahSavvyTips]

Better to discover at 30 than 50.

[@yogajaxx8299]

If you're only in your 30s there's still plenty of time! Pay into a pension as soon as you can, bc over 30+ years that will compound. You need a lot more in your pension pot (or other investments that you've earmarked for retirement) than you may think. In my 30s/40/s50s I didn't know about all this either, and now I'm almost at retirement with very little pension. Plus by the time you retire the pension age will probably have gone up to 70+, and even then the state pension does not cover living. So, start now, not too late!

[@averagemillennialinvestor]

Alex makes 68k a year and wants a 500k house. Stop right there, come on... She gives an example to save for a house but then when a mortgage for 400k comes through, that wipes the whole monthly paycheck.

[@richgoodman5734]

Alex has takehome of £68400, which is £100k . In this example yes easily available. Newest for example will lend upto 450k, covering the 500k property. monthly costs of £2267 on a 25year mortgage.

[@averagemillennialinvestor]

@@richgoodman5734 40-50% of your take home pay is way too much house. There's no way a person that net's 68k should be buying a 500k house.

[@ZakiyaAbdullahi]

You really can't have it all at once, but marketing and society has bamboozled us into thinking we can with access to easy credit traps. Prioritization is extremely beneficial with cost cutting, to determine fundamental costs, and the left over margin which is the cashflow. Something is wrong in the budget, or our priorities if there is no margin left over from cash-flow to allocate for saving/ discretionary spending/or investing.

[@robertsimpson-hl3zd]

Simple and very consice statement made by you. If we slide or fall off our financial rails, we should all re-read your words of wisdom. I was happy to have read your thoughts.

[@alexandercrump2298]

@Nischa I took a break from your content for a while as I was busy and, coming back to it now, it blows my mind how high quality it is. Thank you for making the call to pursue this professionally. I'm a trained accountant and tbh don't know much about applied personal finance

[@deemitchell8450]

Nischa great advice as always its taken me 90min to get through a 12mon video because ive had the pen and pad out mapping my future. This video was key for me because i was getting caught up too much trying to save for everything at once but now i know just be more focused on one Goal first then go for next

[@juanspte14]

You are my favorite Financial KZbinr. I love the way that you use to explain each topic in detail, with real examples and the properly actions for reach our financial goals. Continue doing this good job. Greetings for Medellín, Col.

[@pinksa1699]

Hi Nischa, have you previously done a video on whether it's better to overpay on monthly mortgage repayments or make additional contributions to our pensions? I'd love a video on this subject 😊

[@stevendaniel5450]

I'm not even exaggerating when I say that this video answered all of the questions I presently had, like all! I kept going back and forth between saving for a home, or investing first, or building my fund to quit, or saving for a car, no clue which way to go. And what is even crazier is that the examples she used are almost identical to my numbers, I am 'Alex' :). Thank you Nischa for all the great content you put out, it has helped me tremendously.

[@ethicalbunny]

Would love to see videos aimed at normal people on how to manage money! As for most 50-60% on essentials is not realistic so it would be good to understand what to do if you only have a few £ to play with or how to reduce essential costs

[@owenanderson2633]

Just readjust the figures to your salary bracket. Google a percentage calculator and put in the figures Nisha is putting in. Once you get the percentage amount, adjust it to your equivalent salary.

[@FitahTech]

True story ✌️

[@otiliaruscanu4181]

Principles are the same

[@applefarm6126]

It’s the concept she’s teaching. Same thing.

[@applefarm6126]

@@owenanderson2633I thought this would be implied, people are complaining.

[@mandyyonge]

Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.

[@tomgreenleaf7906]

First, I really appreciate not just the clear way the principles are explained, but the sense of optimism and good cheer that permeates all these videos. The encouragement to start taking charge of your money is indispensable. Second, people are getting bogged down on specific numbers, and missing the bigger picture. If you are not making enough to feel as though her advice is for you, then you need to earn more (see side hustle or invest in developing better paying skills) or reduce your costs (apartment instead of a house, public transit instead of a depreciating asset). Third, what is the theme of these videos? It is to follow your dream, and NOT to be restrained by financial decisions you might have made. It is always possible to improve your life, and that starts by wanting to, and thinking you can. Thank you Nischa for sharing all your thoughts on these matters, they have really helped my clarify my own thinking on financial matters.

[@AnaLeiman]

great insight Tom! fully agree

[@Rollaven]

Hi, I was wondering what your thoughts are on paying off your house asap instead of investing or a high interest savings account. Love your videos, keep up the good work 🙏🏽

[@james_andrews98]

It’s all about mindset and sacrificing. Even if you can save/invest £50 a month. That’s still fantastic. Continue to build on that as your income grows. The £5700 is just an example. Obviously the more you can save the better but everyone starts small. You just gotta start people.

[@AnaLeiman]

it is all in the power of small steps indeed

[@Sean-jx2wj]

This is my favourite video of yours so far, thank you.

[@GoluYadav-bq2ki]

I want to say thank you to the guy in the comments who recommended Unimantic to me. You've been very helpful. Thank you!

[@als7132]

I am retired and in my early 70’s. I focus on having sufficient funds to live comfortably in my retirement years. I work to maintain a debt-free lifestyle and live within my means. My focus is small intrements of 3 years to 5 years. Thank you for your sage information.

[@Kate-pw2ju]

This video is incredibly inspiring thank you. It has made me realise that my goals are probably very different to those around me. Firstly my goal is getting out of debt, something which i have been doing for 5 years and in a few months will be a reality. Second will be purchasing my own property, thirdly being able to earn cash doing something i love and then after this will be saving for financial freedom and retirement. I am a little later to gaining this financial knowledge as i am 40 now, however with people such as yourself i have turned my life around. Thank you so much this is wisdom i will know carry forward with me

[@Moodiano]

It sounds like Dave Ramsey baby steps except the credit score part because there's no a NEED for it. Thanks a lot Nischa I've been following you since you had less than 1k subscribers I feel like I've been growing in all aspects and all goes to you really, wish you all the best ♥

[@Logan_Gordon]

Great video! Super simple to understand 👍

[@Logan_Gordon]

@Nischa56_ the scammers are getting creative! Going to need to do better though :) this is pretty low effort 👎

[@ruthislife]

What a great video. So well explained. I put this all down on a google sheet since its free and have been tracking my expenses so far this year. I have been more honest about categorizing my expenses and debts. I can now see exactly where my money is going. Even though i have a little cash flow once every necessity is paid, I can hold myself accountable about how i spend that money for the rest of the month.

[@wehrine]

You know, a 10-minute crash course might give you some basic ideas, but a real financial plan is more like a roadmap for your future. It takes into account your goals, risk tolerance, and the ever-changing economic climate.

[@Bigwilli123]

That's definitely true. The market's been a rollercoaster lately, and a one-size-fits-all plan just won't cut it these days.

[@Jonesmatsunaga]

Ugh, tell me about it. My portfolio's been feeling the bumps too. I think I need to adjust my strategy, but I'm worried about making the wrong moves.

[@nicolabruno3764]

Finally a straight forward explanation. Thank you Nischa.

[@energymanpl]

Thanks Nischa, for that very great Financial advice.

[@thesawnofgod]

This video is a game changer. This is the sort of information people pay a lot of money for - thank you Nischa! Hopefully I can add value to you when I am beyond financial freedom!

[@FloydC-kn6no]

Thank you for putting up another great video! It is well edited and the values can be scaled up or down based on personal circumstances.

[@lynneward9945]

I just found your channel this week and you are exactly what I need! So thank you, content is spot on.. I’m turning 60 this year and recently obsessed with creating passive income. I haven’t figured a side hustle yet but I will.

[@vulanichabalala702]

Thanks Nischa for this video, it's very motivating to even see the time frame.

[@philipdaniels]

Thank you. Helpful video.

[@andrewstorm8240]

Really well put together presentation.

[@hamzahakbar8633]

This was great Nischa, thank you!! Really highlighted the mindset required for reaching certain goals. Also put into perspective how i can’t achieve every single goal at once, there are trade-offs 😊

[@ferose1008]

Brilliant videos, love all of them. Easy to understand and relevant 💯👏🏻💗

[@dejavujoyeriaybisuteria4568]

So valuable content! Please share tips and your journey in real estate 🙏 looking for my first rental property now 😊

[@0501Talina0501]

very grateful 💙💛 it's now, one of my favs from financial KZbinrs

[@toyatv9130]

Awesome video 💎 I’m focused on building my Emergency Fund right now. I’m 24 & have been an RN for 1.5 years. I loved having the freedom to resign from my old job & now work at a hospital with more prestige & room for growth. The cash freedom really allows for better quality of life 💵

[@LearnGermanwithMarzipanfrau]

Thank you for your explanation. In Switzerland this salary is considered around average, but the fundamental costs are increasing rapidly and a lot of people are struggling. So it's always good to know your saving hacks.

[@__ThisisJ__]

Alex is Nischa, those scriptwriters are so good in this Tv show.

[@welcomelove3738]

Great video Nischa! You always have amazing breakdowns ! My focus right now is on raising capital for a company I’m starting and then saving as much as I can to obtain financial freedom (The option to work , not the necessity ) as soon as possible.

[@larsalbrecht6964]

You lost me at 5700£ per month for a single income. Was really looking forward again for your advice for an average salary.

[@ruththompson7891]

That's just an example. Obviously you would use the same principle to able to whatever you earn.

[@ratsliveonnoevilstar1]

@@ruththompson7891there’s loads of people trying to prop this up from the PR team eh. It’s out of touch just like our government

[@RB-xr6mi]

Absolutely ridiculous considering the average UK wage is £25,000

[@le16pard]

@@RB-xr6mishe isn’t targeting you it’s a random number. You didn’t let those maths exams offend you because they didn’t use your name and know how many apples you had!?😅 Obviously the important info isn’t going in.

[@ivytiti1392]

Why not target on average. That will make more sense and be realistic. The higher or lower earners can then adapt.

[@LomaxMedia_]

Love the concept!

[@mina5580]

Great video! would love hear more on investing!

[@seantormey3531]

Currently focused on trying to reduce debit and implementing some of your ideas from previous videos. Thank you for your videos and ideas.

[@FakeShark333]

My goal is financial independence, but in a balanced way where I enjoy life while I'm young and not just in retirement. I can't see the value in buying a property right now, especially when I can rent the type of property I want at a lower cost than buying. Nice to see you comment on how this has affected your opportunity cost for financial independence.

[@beninahu9951]

My main focus right now is to save up to start my own photography business! Right now I’m in a comfortable office job that doesn’t give me fulfillment and I’m dreaming of becoming a full time artist/photographer. Right now I already have a side hustle as a wedding photographer but my dream is to buy a small caravan and convert it into a traveling photo studio/dark room and give art workshops. At least it motivates me to get through the work day 💪🏼

[@Broker-in-Maine]

Very thorough info and detailed explanation. I watch a lot of financial content and your videos are excellent.

[@Jonet01]

Great info video as always Nischa. Enjoyed the reminder that we all have an opportunity cost to pay with every big ticket spend!

[@AnaLeiman]

@Nischa -Nischa - I absolutely love the quality of your videos. Your style of presentation. I know how much work goes into producing the content of this high standard as I have just launched my youtube channel too. And kudos to you for explaining all the finance concepts in layman terms - as a chartered accountant and senior finance professional -fully agree with your explanations and approach. Though for Australia and Sydney some things are slightly different . Keep up great work!

[@lilly_ann]

Thank you for this video. Very much needed. They don't teach you how to financially plan for your future in school and this information is very important and useful

[@markcoyle5211]

Thanks for the video Nischa, are you still running your Money Simplified course?

[@chavp14]

Another great vid as always! Thank you 🙏🏼

[@CherryCherryLady8888]

Would be great if you prepare an overview for few most beneficial high interest saving accounts in UK now 😊

[@Techcoder208]

I’m usually watching till the very end but by the time I want to click on one of the end screen links, the video ends abruptly. Maybe adding an extra 3 seconds will help in deciding and choosing one of the end screen links. Or there could be an outro at the end.

[@HarishChouhan]

I came across your videos more than a year ago and I realized before that point, I was over confident about my future so never thought about retirements, etc. After tracking all expenses and finding a good balance in the quality of and my wife's life, we have been able to keep our total expenses to just 30% of my income and just realized how much we can save. But now feels like If I had started investing 5 years ago, it would have been so great, But it feels like I am satisfied with how my life is so feels easier to save a lot more. Thanks again.

[@nischa]

Congrats, super happy for you!

[@barmy_irooni]

@@nischastop telling fibs!!!

[@anzarre]

8:31 shoutout to Nischa's right hand!

[@AdamDrilon-lf2nq]

Great video Nischa. Opportunity cost is something that I always need to remind myself of. I wish I could invest money in all places at the same time, but that it is very difficult. Right now I am paying off my credit card debt and at the same time saving $10,000 as an emergency fund. Those two categories are taking up most of my available net cashflow. After I pay off my credit cards, I want to put $2000-$5000 into a Roth IRA and maximize my contributions hoping to get a 10 % return on my investments. All my investments will go into index / ETF funds. However, I also want to save up for a downpayment on a house and with how expensive houses are today with the interest rates at 6-7%, I really don't know how I can save up for a 20% downpayment in less than 10 years. It is extremely difficult. And I also want to travel as I am 35 years old and have not traveled much. So many categories that I want to contribute my money to, but the economy is not making it easy.

[@FitahTech]

I need a great video editor just like this one ✌️

[@karolinaswierczek7145]

Hello Nischa. Would you be able to add content with more realistic salaries? There will be only small percentage of people in the UK earning 95K salary . Can you please add some examples of approx 40K ?

[@benriddelluk]

@Nischa when working out any savings amounts should you consider the pension amount already taken from the monthly pay (UK based) as part of the 20% invest/future pot or ignore it and allocate 20% from the take home pay? That seems to be the grey area for me in any financial video I've watched or article I've read. Thanks 😃

[@nubin0807]

That 'Hobbes' tattoo from 'Calvin & Hobbes' is sick!!

[@abubakerbugembe7000]

Thanks Nischa

[@aankitpraharaj]

Brilliant one Nischa! Is it wise to pre-pay your home loan principal outstanding with the saved up capital or invest in high return investment equity portfolio?

[@jeffandsherriefranzwa8970]

Good content, and I love your British accent.

[@papajahmani]

Sharing the living costs (flatmates or communal living) haa been a gamechanger for me. I’m in my late 30s and still share a flat with my spouse and a flatmate, which helps to keep the costs down

[@JustinHyneswashplant26]

I would say the finical goal of figuring out the balance of wanting to retire early and wanting to take advantage of the tax advantage accounts (which would longer term). Also figuring out the “living now” part and not just minimizing every purchase for maximum investment growth.

[@Alexibawendi]

You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life

[@PhilCraig-vx3up]

Thanks to Mrs Maria Davis.

[@PhilCraig-vx3up]

She's a licensed broker here in the states

[@tariqap]

Hi Nischa. Great video 👍🏽 Have you heard of the concept of Velocity banking? It seems to be good for debt payback and maintaining cash flow, but requires discipline. It's an exciting concept in an otherwise boring field! There seems to be lots of American KZbin vids about it but no UK based ones? It would be great if you made a vid on it to share your thoughts.

[@ronaldwijnands5159]

i am living in europe. when you talk about examples. it is meanly about the U.S. In the U.S, halve of your income is free after paying all your bills. Here in Europe the cost are different. Cost are more to 80-90 % of your income. And sometimes more than 100 %.

[@rolandosouffrain7957]

Right now i am focusing on a Roth 401k and Roth IRA. Im trying to Max them out this year. I am o. Track to max both early this year🎉🎉💪🏾💪🏾💪🏾💪🏾💰💰💰

[@mikeg8282]

The problem with people complaining about this video is they don't make enough period there is not a solution of retirement and purchasing houses.When you only make thirty k a year you need to work harder to aim higher simple as that

[@danbradbury4067]

Great video.

[@PeacefullySo.-vh4tp]

After watching this video, I see there are so many bottlenecks of having a fixed salary type of job especially in the west. Even though the tips shared can’t be entirely applicable in my environment, the four major ideas of it can tailored and adjusted to work. Thanks Nisha😊

[@ajaiswal108]

Thank you so much - this was extremely helpful. Please could you do a video about the best way to invest. E.g. is Vanguard best and which fund? Keep up the great work :)

[@cyrillhaller]

Great video! I'm focussing on growing my investments at the moment. The biggest challenge I am facing with this, is not forgetting to live and to have fun in the moment as well. Because if you don't do that, once you reach your goals, your life might have passed by you more quickly than you realized.

[@dolivper]

Started saving last year, I am 29 now. Currently I make around $3300 a month after tax and my cost of living is $1100. I´m throwing $200 to s&p500 as a bonus retirement account, $200 holiday saving account, $1000 to a investement account to buy a property. That leaves me with $800 to buy clothes, go out, hobby, etc. Most of the time I don´t spend it all and split the remaining evenly and send it to all my saving accounts and restart from 0 the next month. I do not own a car, i go by public transport.

[@FitahTech]

I tend to believe it could be great if you include common person earnings in your future videos 🙏🤝

[@fabriziocau4085]

It's interesting how simple common sense has become equated with financial expert advice...

[@olegnesvirskyy8775]

Hi Nischa, what happens to your approach when/if one gets kids and the budget pretty much goes to provide/doctors/additional classes/clothes and all kind of things for them? I have a hard time planning anything budget wise

[@sulaimanaljabari]

10:24 Not only personal goals, the market skyrocketed and scored new highs, at that time one didn't know this could happen. This is opportunity cost indeed as well as market knowledge or intel...

[@LoveFromALondonGirl]

I’m need to clear my debt and do some financial planning. I also always falling in to my overdraft for monthly cash flow. So I need videos to help get out of living in my overdraft after all my principle bills are paid. I also need to know how to clear my debt.

[@robertadonnell3118]

I enjoy listening to your advice but would like more realistic wages and how to work out savings and spending with the normal average pay

[@bruno7v]

I am trying to focus on building a passive income so I can slow down and enjoy more traveling. The goal is to have passive income enough to travel to where i want and in the future maybe dont work by obrigation.

[@zain12]

Excellent video. Really helpful if you can educate about the investing part to compound our savings 😁😁

[@zain12]

@Nischa56_ Beware impostor

[@jamesdongvideos]

Everyone complaining about the £5700 take home pay figure, but still many people earn this amount and struggle to break free from the middle class into upper class. I earn less than £5700 but can still learn something from this video.

[@demetrasmith1922]

I was able to take money out of my investments to help with food and other needs and I’m not making 5k a month.

[@teekaymoneychannel]

Such a great way to explain cashflow

[@bryanotieno7106]

Do you invest in Equities?

[@joeriveracomedy]

I am focused on buying my lease in a few days. I really miss making brokerage contributions. 7 more days🤞

[@wealthelife]

Those 'ballpark' estimates of savings rates for 'early retirement' always seem rather pointless, except for setting targets/aspirations. Reality is going to mean the actuals deviate from the projection 9 times out of 10 -- no way to know average after tax real ROI during the accumulation phase (next 20 or 30 years), let alone the sequencing risk and average ROI during retirement/draw-down phase, longevity risk, 'black swan' events etc. etc.

[@greigjduncan]

What is a side gig?