Habits That Made Me 6 Figures by 24 (My Formula)

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6 Habits that made me six figures by 24 and have helped me achieve every financial goal since then!
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⌚Timestamp:
00:00- Intro
00:23 - Close the Learning Gap
01:42 - The Spotlight Effect
02:40 - Question the Answer
04:02 - Money Out = Money in
05:25 - FOMO Will Hold You Back
06:45 - Action is better than Over-analysis
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DISCLAIMERS & DISCLOSURES ❤
This content is for education 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.
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[@nischa]

👉🏽 My Intentional Spending Tracker (free) - nischa.me/intentionalspendingtracker

[@barkspasenine]

That first point hits HARD. I'm 30 and just starting to take serious steps towards real financial freedom. KZbin and Google have taught me more about financial management and realistic paths to wealth in the last week than school and uni did in 17 years.

[@Ghostrider1717x]

So True! She’s absolutely right! The system is actually structured to keep the average wage earner living paycheck to paycheck.

[@anuragpanda]

Me too 😅

[@03chue]

Check out "Rich Dad, Poor Dad" by Robert T. Kiyosaki if you haven't, and Myron Golden. I'm 34 and just finally got my eyes opened. Good luck to you and your financial free future!

[@Wantar]

Absolutely true. My problem is that I'm older than Google and KZbin so I had to spent a good part of my life being a good little employee while slowly waking up and learning what the world really looks like. Now I'm 42 and I'm learning new things every day. And will do that till I die probably, cause I'm curious by nature. :)

[@MmaDk]

@@03chue I've been putting off reading this book. Is it great?

[@Jane_1994]

1. Educate yourself on how to make your money grow. 2. Don't worry about what others think about you. 3. Don't take rejection personally and learn to bob and weave to get what you want. 4. Invest in your money-making ventures (tools, tech, knowledge, outsourcing) 5. Use willpower to say no to social expectations around spending/lifestyle. Find meaning/satisfaction in *your* process. 6. Basically, work fast and break things.

[@samgregory107]

It’s not FOMO for me, more a case of YOLO. I might not be here in 10 years… I feel there is an important balance between saving/investing, and living your life at a young age. (I’m 30) My opinion is enjoy yourself and experience everything you want to, but without getting into debt. It’d all be a waste of time and effort if you were to end up being the richest person in the graveyard!

[@OzzyTing]

Was looking for this comment. Absolutely agree, and it's so hard to find the balance. I've also just turned 30, feeling very caught between enjoying the 'young' years I have left whilst living in fear that if I don't spend all my time saving/planning for the future I'll be an incompetent and incapable 40 year old. SIGH!!

[@karkowaw]

My thoughts exactly! What is the point of saving and 'cutting' on some pleasures of life when you're young if you're going to have all the money when you're old and have no energy to spend it? I'm all for investing and being smart with your savings but I also enjoy experiencing life like travelling from time to time. I don't want to spend my life being miserable just to have a lot of money in my 60s

[@theeverydaytechie]

The quote “the more you overthink (…) the more you’ll feel overwhelmed” is a very simple but VERY accurate one. Overthinking only tends to give you more problems to think about and stress you out. Thanks for the tips, I like how straightforward and honest you are about topics that everyone finds it so difficult to talk about. Keep it up! ❤

[@hermionehart3091]

I like that you went straight to the point. No excessive amount of introductions- you let your content speak for itself. I really enjoyed this video. Thank you for sharing 💕

[@Jubitu9]

I discovered this channel a short time ago because I feel lost. I'm 40, I've worked and tried my whole life and in the end I still don't have a roof over my head, I've had enough but right now I feel so lost and without hope. Every day I try to watch at least one video or learn something. I know it seems funny to me sometimes, but even for that I need an incredible amount of strength for it and everything seems impossible, but I still haven't lost my spirit completely. I hereby thank everyone.

[@ShaunSurgener]

the more you continue to learn and grow the more your situation will change-- my first year in LA i made 19k... managed to save 9k... as i learned to develop some skills that others wanted / needed i was able to get over six figures in income and everything changed. But your environment wont change until you continue to change. Let's build that dream

[@autumn399]

​@@ShaunSurgenermay I know what is your job please?

[@andrij.demianczuk]

I just turned 40 and for most of my career so far I’ve floated by on a generous income without putting much thought into where my money was going. I did manage to make my first six-figure year prior to 30, but always relied on others to manage my money for me. I wound up keeping a lot less of it than I would have liked. Taking accountability and managing not only your wealth but yourself as well is so important. It’s like a lawn; you can tend to it from time to time but it will quickly run away on you. I wish I would have learned this sooner - now I make my finances a daily affair and it becomes much more manageable and I can change with my situation much better now :)

[@impariamolislam72]

Wow!! That last point really hit home. Thanks for opening up about your life and exposing yourself the way you do. It takes a lot of courage, but know that there are thousands of people struggling with these matters. And knowing that there are people who are going through the same struggles and eventually “figuring-it-out” is really inspiring.

[@TheChauhan01]

Only started to watch your videos, binge watched 5 video’s already 😂, great content and I see how genuine you are, keep up the videos and providing real value to people 😁

[@nischa]

Welcome! Thank you so much

[@Sahil27129]

@@nischa I am also working on Debt side at Canary wharf for CITI...I really want to get onto the Deal side...Your videos are helping me to get close

[@dianegarrett7827]

I love your attitude and staying focused on your future self. Just keep up the good job.

[@ritap3116]

Honestly your perspective on the schooling system is spot on, could not agree more and hopefully someone out there with some power to change things will listen to you.

[@noura4341]

I really needed to hear this , I’m 21 and I have been feeling that I’m missing out a lot , I don’t go out with people that much because I’m focusing on finding a way to a passive income streams and investing my money . and I’m still trying different ways and I haven’t found what works for me the best yet , thank you so much for your content it’s really helpful and I’m actually enjoying your videos , your tips are so inspiring , I’m so grateful i came across your channel.❤️

[@andreifara9558]

It's good that you are trying to find passive income streams and invest too. Just an advice that I took from the "Just Keep Buying - Nick Maggiulli" was that while you are early in your career (20s) focus on increasing your income rather than overthinking on what you should invest. People's income typically grows faster in the first part of their career. Of course, this applies in case you don't already have a consistent amount of money to invest.

[@ShaunSurgener]

it can take some time to figure out your passive income stream.. i think the key is to keep adding to what you are doing and finding ways of increasing that income... i've tried a few different things over the years and have found a good flow of my business, rental properties, and building out courses / programs as well. If you are 21 and already thinking like this you are way ahead of the game.. i only had $400 to my name at 23.. keep crushing it out there and let's build that dream

[@lamernoori9821]

im 18 years old rn and honestly this channel feels much more genuine and it feels like you just get down straight to it which is what i like about ur content and i can see it paying off well. no bs intro just straight into the information that the viewers clicked for. I cant believe your only 23 too, i want to be like u when im that age. Keep uploading content like this!

[@ShaunSurgener]

just the fact that you are watching this type of content at 18 means you'll kill it down the road. The key is to let simple disciplines compound over time. 1% improvement every day yields a 37X result in a year.. let's build that dream

[@bigbabygoose]

Huge respect. You just exude competence and authenticity. Your mama should be proud! Thanks for great content and for getting straight to the meat of things.

[@vesperentgroup]

Seen this channel go from 3K to 10K pretty quickly. I'd reckon it will be at 100K pretty soon.

[@MrBrainFeed]

You’ve got great insight into your niche. I’m keen to learn more from you. Keep going with the channel, don’t stop and you’ll be surprised by what you will achieve 😊

[@Itseasierthanwemakeit]

Thank you for not being bitter, sarcastic or unrealistic. Optimistic, realistic energy is contagious too.

[@cosmosnomad]

Regarding qustioning the answer, I did something similar. Was tired of not getting a raise, spoke to my manager and their manager about what I needed to do to justify a raise and did it. They came back and gave me a pretty shitty raise compared to my market value. In that time I'd also been job hunting and doing research on salaries. When they spoke to me, I said I think it should be £X. They didn't think I deserved that much, but they did think I deserved more than what they were allowed to give me by company policy. Not long later I had accepted a new job offer and given my notice. Even with the raise I was given, I moved for 47% more. This is all to say, if someone doesn't value your work, find someone who does.

[@ShaunSurgener]

so glad you were able to know your worth and stand behind it.... time is the one thing we can't get more of... so if we are going to give up our time for something we wouldn't do if we have to we not only need to maximize that income, but when we get it make sure that we dont spend it on anything other than things that will produce more time in the future

[@Bhavs62]

Hey Nischa, I’m really glad I came upon your KZbin today! I’ve watched a number of your uploads. They are all so beautifully eloquent and clear to understand. Thank you so much for creating your Channel. Sincerely ❤

[@Ddo-xv6gh]

Wish I found and understood these tips 5 years ago. 30 years old now and I can say if you’ve found these tips in your 20s and implement them you’ll be miles ahead. Great video!!

[@ShaunSurgener]

good news is 30 is still super young and you have so many years left... let's start implementing those strategies and build that dream. Your life can drastically change in 5-10 years... my goal is to add another 25-50 units this year... hope you are out there crushing it and making things happen

[@adsaad]

I am thinking of retiring early and this video has motivated me and given me hope that there is still a chance to be financially stable regardless of where you are in life. Thanks for your wisdom.

[@evesilhouette4724]

Gosh, the last point hits hard 😭not just on financial standpoint, but every aspect of my life currently. Thanks a lot for sharing, I love how straight to the point your videos are, it keeps me engaged the whole time. Can’t wait for more❤

[@GeeKay786]

Great video with excellent points. You have wisdom beyond your years and are very driven and ambitious. Most people in full time jobs don’t think beyond that but I do think making sure you’re very good at doing what your primary job entails and making sure you’re skill is In high demand means if you lose that primary job/income stream you can easily get another one.

[@akashsp]

You’re phenomenal. This kind of education is so rare and it’s Great to see you share it with the world. Lucky for me my dad is a financial advisor so I have him to guide me but most people around me have very little financial literacy and you’re filling the gap! 🎉

[@traviswalker8765]

Thanks so much for this advice! My favorite is action over analysis, this has held me back for so long. Time for action!

[@therealoliverhappy]

Thank you for summarising so much wisdom into so few words. Really helpful, delivered with a nice mix of honesty and kindness - good on you!

[@abdulrahmanalghamdi2307]

Action is better than over analysis is ridiculously underrated.. The actual relief, satisfaction and confidence from starting to take action is beyond me, i became so much more driven and motivated when I stopped over analyzing. Because of you think about.. Nothing will be enough, there's always more to learn and analyze

[@jasminblake1086]

Loving the opportunity to binge on your videos this weekend, I’ve learnt a lot. Thanks for great content 😊

[@nickl9845]

Great no BS content on keys to financial literacy, and motivational too. Keep going please. I am approaching 40 and wish I had easy access to this type of content when I was younger :)

[@ShaunSurgener]

good news is 40 is still super young.... you have 30-40 more years of great effort. SO many people didn't find their niche or angle until their 50s and still amassed massive success and wealth. Keep killing it out there and let that compound interest work it's magic. Let's build that dream

[@LulaMaximeMorales]

I discovered your channel today. I am hooked. You are definitely my new inspiration 😍 Thank you!!!

[@bieragaino440]

I have fallen in LOVE with ...... your mind, your mindset, your attitude.

[@KidDynamite123]

Thankyou for being so honest and transparent in your videos. It’s really appreciated

[@rayderrich]

One change you have done over the months is sound proofing your room, which makes a huge impact on the quality of your talks. This 3 months old video is in the 'worse' situation and is extremely good, but audio is so important in this type of videos. I am glad you fixed this, and you totally rock nowadays.

[@1974angels]

Omg!,, the last point hit me like a Mack truck 😮have been doing this to myself for YEARS! The perfectionist in me, the fear of lord only knows what, the self doubt, the what if’s etc etc I mean it’s the never ending dialogue that keeps us trapped and not starting anything at all. Thank you for reminding us that we all have these negative or fearful conversations with ourselves and to just stop and do something already! I’ll give it a try 🙏🤗

[@claireayesiga6805]

I stumbled on this channel and I have not looked back. Great content and I love your advise

[@graphenebusinesslaw]

It's amazing how these tips and tricks can vary so much from person to person. Kudos to you for figuring out your best habits!

[@ridhaaisaacs6240]

I went through this

[@jimberridge295]

Love this - great lessons for life. I really like the Action Before Analysis tip. Thanks for tips! Good luck for 2023

[@jamesleonard85]

Just came across your KZbin channel yesterday. Thanks for the helpful content and best of luck with your channel for 2023

[@lifestylelines]

you are amazing. A real power woman. Thanks for all of your encouraging content! (Question the answer) I will take this part by heart!

[@vanessagomez5132]

You are a truly GEM I am so grateful I came across to your channel. Thank you for your wisdom and I look forward to watching more of your videos.

[@nischa]

Thank you Vanessa!

[@cannotshareosint]

I really enjoy the clarity and conciseness of your delivery. Great work and thank you.

[@Nupur.b]

Just found your channel and am quite impressed so far. Please keep up the good work.

[@bethhardinhealing]

Just found you and turning 53 next week. I’ve needed this my whole life. Thank you goddess. Keep it up!! ❤❤

[@cmdrcorvuscoraxnevermore3354]

I found your channel today, glad I did. I'll be going through your past videos to catch up. The points you provided are all excellent. I subscribed. Thank you and be well.

[@nischa]

thanks so much

[@masjter]

Thank you. I'm glad I stumbled across your channel. May you be blessed 🙌 for sharing this knowledge with us.

[@isaacwolowik]

Nischa. You’re are truly incredible. I love your content, and you bing authentic and yourself. Thanks so much for your videos.

[@Some1Casual]

Nischa, your content is so helpful and very spot on explaining in the very easy simple way to understand and learn. Thank you kindly!

[@karifdriggs6819]

Stumbled upon your channel and I'm glad I did. Very useful content. Continue to share!!!🙏🏾🔥💯

[@greglaw2893]

Great advice Nischa. Thanks for the straightforward practical success traits.

[@shane8539]

Excellent Job Nischa. Keep it up!

[@hamishhogg9198]

Thank you for this video it starts to take away the fear of potential trying to do something new. I am also a chronic overthinker.

[@Ngozin1]

Your gorgeous! So happy I found your page last month. Binging before I work on my budget tonight 😊

[@marketerhayden]

Another video jam-packed full of great advice. Short and to the point. Thanks for sharing.

[@tanyasharadamba1264]

"Building true wealth under this paradigm is mathematically impossible." 🎯

[@phaephaepp]

This has to be one of the best videos I have watched this year. I’m going to need to take notes.

[@olgaanisimova6916]

Great advice! The last one is the hardest for me to embrace, just because in the past proper planning and analyzing saved me time, unnecessary expanses and helped me avoid some mistakes when venturing into unknown.

[@LeggeSamurai]

The last point is so true, being in exactly the same place where you are in 5 years time, is far FAR worse than taking that step forward into the unknown now. Fear of failure is outweighed by fear of inaction. It is much worse to do nothing

[@ShaunSurgener]

FACTS! what helped me venture into full time entrepreneurship was realizing that I would never be able to live the life I wanted with my job.. so i automatically failed.. BUT if i made the switch there was at least the possibility of making my dreams come true. Not there yet but i'm making 3-4X what i used to make and it wont be long before i'm living my dream life. Here's the building that dream.. keep crushing it out there

[@Grayzful]

Such great advice in a timely fashion. You earned my sub! Keep up the great work Nischa :D

[@CaraSherman-wq3gp]

What resonated with me 101 ways to get there! I will never take "no" I put it on the back burner as I'm collecting my "yes's". Always having to strategize with the change of the environment. I always have the will and find a way! Great episode! You're a bright mind, Nischa!

[@arishah2884]

Awesome Nischa! Thanks for sharing.

[@ggrj05]

Hello Nischa.... Thank you for your Video, I really enjoy watching it...... after having a lot of discouragement I'm facing trying to study more for the Online Job that I'm trying to apply. Truly "Action is better than over-analyzing" and that's what I'm going to do and gonna keep doing from now on until I get the Job that I want. God Bless You!

[@nischa]

I really love this. Keep going, you got this!

[@lancecasey683]

Well done Nischa. Excellent transparency. Makes me listen because of that.

[@cynthiabotsko2449]

I've found & watched a couple of your videos and have to say.... Brilliant 👏!!! Thank you for the tips & inspirations & simplifying the overwhelming information in personal finance & "business of living". I'm really appreciating this❤️♾️❤️

[@emilylucas7826]

I found your channel this morning and I'm feeling so inspired and motivated by your videos. Thank you so much for sharing your action steps and wisdom! Very excited to continue learning with you 🖤

[@nischa]

Thank you Emily!

[@shannonbaird5592]

Thank you so much! Love these videos, you’re great and seriously insightful 🧡

[@preciousmousse]

Thank you so much for these videos, Nischa! So helpful in a world of basically financial blindness. It’s such great education and feels amazing to get it!

[@ladivaloper]

I found your channel about ... 2 days ago. Wow girl, I really love your narrative and your content. Keep doing it

[@joanaandre3677]

I'm finding your videos so valuable! Thank you for the content ♥️

[@TowerGMLtdInfo]

And again, Thank you for this video Nischa!

[@jordanadetiba6950]

This was really encouraging. Thank you so much ❤

[@davinapickering1235]

Just wish to send my gratitude for your time, efforts & wisdom. It always creates growth in my life with each video you post

[@RWAquariumPages]

love this video! really puts things into perspective, going to try to practice these habits daily!

[@yanamiakshyla8498]

I just wanted to say that I appreciate you sharing all of this, Nischa.

[@dwwdevin]

Spot on! I’ve been teaching my close friends and especially children these principles 🙌🏼🙌🏼🙌🏼

[@TheNerdyAro]

My FOMO is what keeps me grounded in my ultimate goal, happiness in life. I don't get FOMO in someone else's life, only my own. but otherwise, I agree with everything else you give as advice. I'm glad I've discovered your channel. Glad you did it. And I should too (with my business ideas).

[@kaizenborntowin]

Thank you! Keep up the good work!

[@manassehawatey813]

Hi Nischa, I am impressed with your span of knowledge on diverse subjects. Keep sharing such insights with us. Thank You.

[@soniac5180]

Well, Nischa, you are really impressive. Being so wise and balanced at your age...knowing already who you are and where you want to be...such a strong sense of identity. I really hope my teenaged daughters will become like you. I have sent them a link to your chain. Thank you very much and I wish you a lot of success and happiness.

[@aquaresin9520]

What a really great and honest person. You care about people and help them. Thank you for your true explanation of what we need to do for a better lifestyle. 😇🤩

[@awatomamercy2181]

Thank you for this, it's really challenging. I would implement all especially on the point "just start."

[@innovationspotlight6240]

You go girl! Love your work

[@alaindice]

Okay that last point got me, I'll go introduce myself at the company I've thinking about for months but didn't go because of excuses I made up. Thanks Nischa.

[@diegomendoza7472]

Just subbed. Very insightful video.

[@KylanHurt]

Thank you for keeping it concise

[@manuelrocha9477]

Dear Nischa, I was hooked from the first video I watched from you, you are a breath of fresh air to all the "how to become a millionaire" videos I have watched so far, you present the concepts in a simple way (with pears and apples) I really enjoyed your material and appreciate your experience and how you so generously share your success stories with the world. I commit to follow your advice and... see you at the top. Blessings to you.

[@-.-smile]

Excellent video, Nischa

[@Aboguaboga]

Im 20 and I made a goal to make 6 figures by the time I’m 25. I already have a plan set in place and this video motivated me to stick to it till the very end

[@halcooper4585]

You are awesome beautiful clean delivery on all your points. Thanks keep up the great work.

[@sarahchinoy2656]

I really need to get my finances straight .. Your videos seems helpful

[@vanessakellow2957]

Fantastic information- thoroughly inspirational. Go Girl you are amazing! Thank you for sharing❤

[@xMonkeyxMajikx]

Brilliant Video Nischa. Keep up the great vids and work

[@Michelle-rp4jn]

Hello from Canada!!! You advice is on point. Thank you for the financial inspiration.

[@damolaakinleye101]

Hi Nischa!! Thanks for the video. Please can you talk about how you were able to get into property. It would be good to hear from someone who does this as a side hustle :)

[@ValentinaGulpe]

Fantastic content! From one creator to another ! Love your channel :)

[@RafaelCorreaGomes]

Thank you for sharing Nischa!

[@WinVault]

Last point is facts, found myself in similar position for a while now!

[@HeidiBird]

I've set a goal for annual salary, and incredibly, I've hit it as well. My problem, however, is that I am super unhappy with the rest of my life. Even though the job is more or less my dream job, it keeps me living in a specific city, away from my social circle. Meanwhile, at home, there are not the same opportunities. I'd have to backtrack on my goals, taking a number of steps down on the salary ladder with little hope of climbing to the same level, or beyond. It's a torturous dilemma...

[@aadeorukhkar]

Very helpful video and thanks for putting it together. The only thing I would add is while chasing your goals and dreams is fine, don’t forget to live your life as well. If you don’t, it comes back later in life as regret that doesn’t do any good.

[@snazafar7899]

Excellent video nish ❤️

[@Samir-Action]

I am starting to love you 💖 the KZbin algorithm works well