OUR FIRST YOUTUBE PAYCHECK

[@willyd7744]

A couple of ideas from a 70 year old guy that worked very well for me. I also grew up poor like you guys.First, stay out of credit card debt. Today I have a credit card that actually pays me to use it. I use it to pay my bills and I pay it off monthly carrying no balance. So I make money on it but most people don't do that.Start saving now on a regular monthly basis for a retirement fund no matter how small amount now you start with. But just contribute to it faithfully. When I bought my house, I always made one extra mortgage payment every year. Of a 25 year mortgage, I was able to knock it off in only 18 years. A huge savings over the term of the mortgage. Buying a new car. Actually buying or leasing a fancy new car is a loosing investment. Drive a brand new car around the block and you already lost yourself a couple of hundred dollars. I'm glad I did it because now I live comfortable while I see so many of my friends struggling these days.

[@NaomiandJack]

Thanks for the tips Willy. Glad that you are living comfortably now 🙂

[@lovenotes5299]

My first home i had a mortage ,i felt i wanted no mortage or rent payments, so i brought a manufactured home in cash. worked in a job where i could have a pension and contributed to Social Security, while raising 3 children. later on i had another pension which i cashed out to buy a car cash. No debts, no credit cards . Living my best life retired!

[@wendyrowland7787]

I think the bank of mum and dad has helped.

[@TheBeyerleBunch]

Congratulations beautiful couple. We didn’t cross the threshold yet so this is super encouraging! Happy New Year and 🥂 to bigger and greater things.

[@NaomiandJack]

Ahh, we will start binge watching as soon as this exam is done! It will soon come. Thank you for you love and support sadly to start it's a lot of hours and a lot work for little rewards but it will get better ❤️❤️

[@robertsilva8097]

Thank You For Sharing This Beautiful video

[@AA-ek5kz]

I like the efforts you put in to change your financial situation, this is why I make sure to watch your videos.

[@NaomiandJack]

That's great to hear, we are so glad you enjoy our videos. There are plenty more to come! Happy New Year 🎉🤗

[@linanicolia1363]

Naomi is a real ninja......these fancy hand moves......pretty cool..In terms of money I feel you should be able to get sponsors.....It is where the money is. Keep up the good work !

[@joanneclaire1045]

Two intelligent people.

[@NaomiandJack]

Thank you Joanne. Happy New Year 🎉

[@efe8085]

You guys are both extremely good looking but most importantly you both seem like beautiful people, I'm really inspired by your drive and passion to want to give back and create a better world in the future. People like u guys restore my hope in humanity whenever I feel sad about all the fuckery that goes on in this world. Thanks for being you. Thanks for giving us the privilege to see you and your beautiful relationship on KZbin. Your kids are going to be so blessed to have such amazing parents. Love u guys xoxo

[@NaomiandJack]

Awh Mary thank you for your lovely comment! We are so grateful to have people like yourself in our community. It is our privilege to be able to share our journey with you all. Lots of love, Naomi and Jack xx

[@NaomiandJack]

P.S. Happy New Year!! 🎉😊

[@ingrid_mxx]

I subscribed after hearing 1 pund per hour :)) love from germany

[@tinalasley4945]

Awwww Naomi you looked so sad and about to cry. I feel like Jack is bailing out. Hugs

[@genevievevalle3286]

When you're free of debt you're free to do anything. You're in the right path you're starting early which is good. STAY SAFE GOD BLESS

[@cynthial5901]

Happy 2020. God's blessings for a great and prosperous year!!

[@NaomiandJack]

Thank you Cynthia! Happy New Year 🥳

[@noggie3934]

I was always curious about the financial side of Utubers. From what I have seen on other channels, try getting out more. Show off the area where you live etc. Good luck.

[@NaomiandJack]

Happy to feed your curiosity 🤗That's a good tip thank you, a few people have said that. We will try to do more outside vlogs this year! 😊

[@linanicolia1363]

The money is about attracting sponsors and not so much KZbin, direct. The more people get to see an add, the more likely their subconscious kicks in and they buy the stuff......It is how advertising works.....I see potential for them to make money from advertisers. They are a cute couple who can influence many people in a positive way.

[@fruitgums]

Sainsburys lol, I've been in construction my entire life, for 20 years I ran my own business doing builds up to £500k for my clients, long story short, I then nearly died so decided to take an easier approach and joined Sainsburys. Thought that I could retire there. Enter Jumped up 23 year old manager who believed he was better than everyone else, who continued to screw up, yes during the Pandemic! I asked him if he was a double ewe anker and got sacked for the very first time in my working career. Sainsbury's, great place to work Loving the vids keep up the good work

[@Sheba_316]

Thanks for the info shared. A financial series would be great guys.. I know time is of essence.

[@NaomiandJack]

Thanks for the encouragement Michelle, finance will definitely be a theme for 2020!

[@christinechin1909]

You guys are an inspiration! I just subscribed & hit notifications 😄 👍 🤗 ❤️ 👏

[@NaomiandJack]

Thanks for watching Christine! Great to have you along for the ride 😊

[@rachelharris8155]

Love this couple congrats on your first pay check plenty more to come

[@NaomiandJack]

Thanks for your support! Happy New Year 🥳

[@robertsilva8097]

Keep up the Great work

[@DBox3591]

Great job, you two! Your next check will be for more than twice the subscribers, right? I also follow people who are fortunate to use KZbin as a primary source of income. I watched many grow from your current level to 100k and beyond! I can't wait for you to meet your 10k, 50k and drumroll.....your 100k subscriber levels! I will be so proud of you and you will be proud of yourselves! My suggestion is to continue to mix in some fun (tags) and visual (nature?) vlogs with your law, medicine and finance vlogs. You will have me for the duration, please believe! I love you, am retired and KZbin is a great source of entertainment for me! Thank you!

[@NaomiandJack]

Thank you Debbie that is so sweet! Yeah that's right, the next one will be for December and we ended with just over 5.5k subs!! The amount we get paid correlates more to watch time than subs but it all works together 🤗It would be incredible if we could grow to that level, we are so humbled by the amount of growth we have seen so far. Thank you for your suggestions, you are totally right we need to keep things a bit varied so we will be working on that in 2020. So glad to have you on the journey with us, thanks so much for your support! ❤

[@NaomiandJack]

Oh and of course, Happy New Year! 🎉🤗

[@DBox3591]

@@NaomiandJack Happy New Year to you lovelies! So, I contributed to your watch time as I binged watched when I found you last month! I'll keep in mind that watch time is super important. Thank you!

[@NancysDiary]

I don't know HOW i fell upon your videos!! But so glad i did... You guys are the sweetest!!!!! ❤️❤️❤️Wishing you all the best x

[@NaomiandJack]

Awhh thank you! So glad to hear you’re enjoying our channel, we are so pleased you’re joining us on our journey 🤗💕 Happy New Year 🥳

[@juliettebarton8467]

I love you guys so genuine and inspirational gr8 example to young people and adult alike.

[@NaomiandJack]

Awh thank you, we love you too! Thanks for watching and commenting ❤️❤️

[@robertsilva8097]

Thank you for the Great video

[@shecamt]

Yay!!! I'm happy for you two. I look forward to hearing more stories of your successes.

[@NaomiandJack]

Thank you so much ❤️❤️

[@bjarnetollevsen2163]

You're both mature for your age. Doing my part and subscribing (and hitting that notification bell!). Best of you luck, you two.

[@NaomiandJack]

Whoooop you are a dream Bjarne! Glad you enjoy our videos 😊

[@EricaZetterquist]

omg this is awesome i clicked and you guys are at 30k now!! congrats!! I got my first youtube paycheck last month:)

[@NewRoseGlow]

I love you both so much! You're so adorable. Many blessings to both of you ❤

[@NaomiandJack]

Awh thank you! We are so glad you enjoy our videos ☺️ Happy New Year to you 🥳🥳

[@NewRoseGlow]

@@NaomiandJack you two are working so hard. I just started my channel in October, and am very inspired by the both of you. Making videos is no easy feat.

[@Switzerleando]

Amazing, I'm on this path too... but I make a quid per day or less, but I see the potencial.

[@jacquelineadams8976]

Congratulations on your first check. How much is that in USA money 😊 Your next one will be more ok love you guys ❤🙏🏾

[@NaomiandJack]

Thank you! Yes we hope so! Google says it’s about $240 ☺️🥳

[@missphindi1325]

Thank you for this. I've been thinking about my own road to financial freedom (KZbin definitely isn't for me) and it's quite an inspiration to see you running in that direction

[@NaomiandJack]

You’re welcome ☺️ It’s great that you’re thinking about it! Everyone has their own path to find 🤗

[@KarenPFolk-qq7dx]

Naomi, I assume that you know that Sweden has excellent hospitals and FREE education. Have you considered medical school there? Just a quick thought.

[@amerunisian4928]

@PragaMaterUrbium not all programs are in Swedish :)

[@bettablue2660]

Great work!

[@twrea]

Happy Ground-Hog day, you guys make me LOL, and this video was a really Joy!! Congratulations on making it into money side.. All be it; small now, now... Surely in time that will grow.. Blessings to you both! LMAO ~Love the ending bits!! Now's the best time!

[@NaomiandJack]

Happy ground hog day to you also! I am so glad we are able to make you chuckle! Thank you for your love and support! We hope it grows too, but also hope we can add lots value to people's lives! so happy you noticed the 'now is the best time', it was so purposeful! Can you believe he was trying to get rid of it 😂😂

[@555shaaz]

Yes, give us the Bitcoin story 😄 you guys are adorable. Best wishes with everything 😍😍

[@NaomiandJack]

Awh thankyou! We actually made it, enjoy haha did kzbin.info/www/bejne/e6rXeIKHZ7ifeNU

[@Letsgogetlosts]

Congratulations 🥳 love you guys happy new years and I am happy with video broke down.

[@NaomiandJack]

Thank you Stacy. Happy New Year to you too 🥳 we are glad you found the video useful 💕

[@robertsilva8097]

Nice video

[@rickandersen2284]

The bit about not being taught anything about money is spot on. At least you started thinking about it early. I was way old when I read an article defining the difference between income and wealth production. But I'm way older now. In my time you got a job, one job and that was the income from which you aspired to become "comfortable". I realise it's a very narrow and prescribed view and probably one from my generation. Lately I have been watching young people making videos on KZbin and was SHOCKED one day when one of them said they had gone fulltime!!! How can that be a job I thought! So I promptly stopped watching them. But lately I have watched a couple of your vids and I'm still thinking how can that be a job! But they do say when your kids grow up and get jobs they will be jobs that don't exist now. Good luck. Have fun. PS I love red hair.

[@aquilaclark814]

Thx for sharing your journey thru life with us.. you two are such an awesome couple..you are doing it the right way..keep God in your life and you all will continue to be blessed😋

[@NaomiandJack]

Amen, thank you for your love and support at hope you have a wonderful new year x

[@TheClothingGallery8]

Hi guys new subscriber here from Philippines 😊🤗❤️

[@raymondf3670]

What a cool video with good info on time on point plus you two are just so cool and just so nice seeing two people in love I look forward to each video keep up the great work Naomi&Jack

[@NaomiandJack]

Thanks Raymond, we put some extra effort into our structure on this one! Glad it came through. We are so glad you enjoy our videos, thanks so much for your support. Happy New Year 🎉🤗

[@TheClothingGallery8]

very interesting vlog guys 👍❤️

[@martynakay]

Love these two already after watching three videos🥰..#Inspired

[@DVines-sz4nn]

Ty Guyz! I just adore the content here. You both have such open and caring personalities and are pleasant both to listen to and to see. Naomi it should be illegal for you to wear a wig. You are most strikingly gorgeous when the hair doesn't compete but is silent as in short and close to the head. Some women just got FACE and you do girl! Ty for your labours on YT! It will pay off soon! 🍃💐🍷🍷

[@nilasapphire361]

first comment, I love you guys, I'm 15 and in an interracial relationship too

[@NaomiandJack]

Hi Nila!! Thanks for watching, glad you enjoy our videos! Happy New Year 🎉

[@NaomiandJack]

Hi Nila, thanks for watching, we love you too! Glad you enjoy our videos. We hope you and you partner have a wonderful relationship, be kind to each other xx

[@paulrobinson3528]

I watch quite a lot of KZbin stuff but it got to the point that there were so many ads it would seem to take ages to watch something. There would be 1 right at the start, another 5 mins in and so on. I got so brassed off that one day i Googled how to stop them, installed and now i'm a ad free zone. Makes watching so much more pleasurable. Does this effect your income, people putting ad blockers on??

[@healthhappiness5507]

Please get Patricia Bright's book and watch her KZbin channels for a lot of financial information.

[@NaomiandJack]

I’ve been watching Patricia since I was a kid! It’s great that she’s sharing her financial experiences and advice ☺️

[@brendathomas7173]

Can you invest in the US stock exchange? I have some money in a fund that gives a monthly dividend. It's mostly tech stocks. Ticker is CLM.

[@cwairimu1346]

Happy New year guys. Congratulations on your first payment.

[@NaomiandJack]

Thank you Consolata, we are glad to have you on the journey with us. Happy New Year to you too! 🎉🤗

[@cwairimu1346]

Ofcourse I'm glad to be a part of it. You guys are super sweet. I enjoy watching each and every video of you guys. And thanks for the reply. Lotsa love from Kenya 🇰🇪.

[@kimmiller9614]

👍, I am so happy for you guys

[@NaomiandJack]

Thank you Kim!! Happy New Year 🥳

[@walterjones9811]

I know this is an ‘old’ video about finance but I wanted to comment on Naomi’s makeup. Naomi is a beautiful woman! Makeup and hair straightening is absolutely Not necessary. Actually it’s a distraction. Love Y’all!

[@IamMardia]

I'm so happy for you two.

[@NaomiandJack]

Thank you Mardiaable! Happy New Year to you 🎉🤗

[@munchkinheaven]

It will be great for you when sponsors watch your house renovations on YT in Sweden so that they give you products to try in your house in the UK, (yes there will be one soon)

[@mpalmer7800]

U both are so awesome 🖤🖤🖤🖤❤️❤️❤️

[@gracehope5694]

Happy New Year... right back at ya! Coming with wishes of blessings.🎀✝️✝️✝️

[@NaomiandJack]

Thank you so much! We pray you have a blessed new year too ❤️❤️

[@charlesjohnson303]

I love your channel!

[@nicholamatsikidze8161]

Love you guys

[@jackiebenjamin8772]

Happy New Year. Save save save. Advice given to me by a bank manager, save 10% of everything you earn, even if you lent someone money and they re-pay you. Even if that 10% is £1.

[@NaomiandJack]

Thanks for the tip- saving is so important. Happy New Year to you too! 🥳

[@MaryCooksMemorableDishes]

Adorable couple....

[@angelamartin6211]

Thanks this was good advice Love watching.

[@NaomiandJack]

Glad you found it useful ☺️ thanks for your support 💕

[@eyeswideshut2800]

You're going to buy a house in Sweden for 8500 pounds with outbuildings, an acre and half of land and a forest on beautiful property seeing reindeer daily. I know this because I watched your Sept video first...hehehe

[@eddylion1]

you go a new supporter

[@NaomiandJack]

Whooop welcome 🤗

[@chrisiislifestyle6493]

Congratz guys❤️❤️

[@NaomiandJack]

Thank you!! ☺️🤗

[@amytsiga8047]

Congratulations

[@NaomiandJack]

Thank you Amy and Happy New Year! 🎉😊

[@amytsiga8047]

Happy new year to you both

[@inhale.exhale.2527]

BUMP 1 1. cash buffer of nut * 6 months (nut=monthly overhead). review annually. keep an analysis of your nut! BUMP 2 2. property, equities, cash instruments in = parts. BUMP 3 when 2 provides enough to pay your nut. BUMP 4 when 2 provides excess to add to 2. ✌

[@ranavanlioglu7656]

Do you think joint bank accounts would be better for a couple to be financially stable? Like just one account for both, is this the case with you guys? Xx

[@evalinawarne1337]

PLUS. I was ASKED NICELY😂PLEASE WATCH THE WHOLE COMMERCIAL 💯% USUALLY 2 OF THEM AT A TIME THAT HELPS YOU MY LOVES WITH 💰. THE MORE WE WATCH THE MORE YOU MAKE. WE ARE NOT GIVING YOU 💸 💰. WE ARE GIVING YOU OUR TIME. THANK YOU FOR GIVING US YOUR TIME. I MET YOU ABOUT A WEEK AGO. SO I HAVE BEEN 👀 WATCHING MANY OF YOUR VLOGS. YOU ARE A CUTE 💑 COUPLE. WORKING VERY HARD TO GET AHEAD. YOU NEED TO BE VERY PROUD OF YOUR SELVES. YOUR PARENT'S I HOPE ARE PROUD OF YOU. LISTEN 👂 COMPLETELY TO ONE. GOD. JESUS CHRIST PRAY PRAY WITHOUT CEASING. I PRAY FOR YOU AND BELIEVE AND TRUST IN HIM. FAITH IN J.C. JESUS CHRIST. STAY STRONG TOGETHER AS ONE IN CHRIST. I AM PROUD OF YOU. STUDY HARD. LEARN ALL YOU CAN. DO AS MUCH AS YOU CAN IN THIS YEAR OFF OF SCHOOL. BUT ON IN YOUR TOP GOALS AND DREAMS OF YOUR OWN BUSINESS THAT GOD HAS BLESSED YOU WITH. YOU ARE LIKE THE 🐦 THAT JACK CAUGHT TO PUT. BACK OUTSIDE TO FLY. I WILL CONTINUE TO WATCH YOU. THANK YOU SO MUCH. GOD BLESS YOU. THANK YOU PARENT'S FOR HELPING TO RAISE GOOD AND PROPER CHILDREN. TO BECOME ADULTS. I LOVE YOU WITH THE LOVE OF JESUS. I HAD 2 OF THE BEST PARENT'S WHO LOVED ME. THEY WERE BORN IN GERMANY 1921 BERLIN MOM AND DAD 1922 IN BRAUNLAUGE. THEY MET LITTLE BIT AFTER WW11. THEY MET 6 WEEKS LATTER WERE MARRIED. FOR 60 YEAR'S AND 2 MONTHS TO THE DATE. AS MY MOM STATED. SHE STAYED MARRIED UNTIL SHE DIED. BUT SHE STATED SHE WANTED TO DIE. I AM READY TO MEET JESUS AND MY HUSBAND. I WANT TO GO HOME. DHE WAS 96 YEAR'S OLD. THAT WAS A BEAUTIFUL MARRIAGE. THEY TOLD EACH OTHER EVERYTHING BEFORE THEY MARRIED. NEVER HAD SECRETS. NEVER SAID THE D WORD DIVORCE. NEVER WENT TO BED ANGRY. TALKED IT OUT. THEY LOVED AND WORKED HARD TOGETHER. BE STRONG.

[@Letsgogetlosts]

I cannot wait for more of these video thanks I just start my KZbin thanks lot for the encouragement and thanks for follow my channel.

[@NaomiandJack]

That’s amazing, so glad you’ve started your channel! Good luck ☺️💕

[@MariniFacey]

Ya'll are awesome and beautiful!

[@NaomiandJack]

That’s very sweet of you Marini, thank you ☺️😊

[@alexmantidakis2638]

yes! bitcoin story!!! :D

[@rbheaven1969]

Hi N and J......why are you only staying for a year........

[@Sheba_316]

Bitcoin story please.. you guys are wise beyond your years.. bless you.

[@NaomiandJack]

Hahah we will share our pain with you in time... Thank you for being part of our journey! Happy New Year 🎉🤗

[@pfarrell3626]

What were or are jobs ?

[@amerunisian4928]

Would love to hear what you are making at the end of 2020 with 43k+ subscribers :) :)

[@judywilson9003]

You guys will have a millions or more views, than you can count your money 💰.

[@cryptonomad4884]

Oh WOW. I still get super amazed at how little people actually know about cryptocurrency and blockchain tech. I hope Naomi didn't mean "Bitcoin is a Scam" , because that would be very ignorant for someone who's working towards financial freedom. If you were scammed by a 3rd party, that I can understand. By All means, Please Do the Bitcoin Story. I would really love to hear it. If You Should Learn anything this decade, let it be this; EVERYTHING THE INTERNET TOUCHES, IT CHANGES. We are witnessing something historic happen right before our eyes. Sadly, at this point, few in the world are even aware of it.Technology has the amazing ability to drive the costs of things down. Nowhere is this more evident than the development of the Internet. We see many instances where, because of the Internet, the cost of products or services plummeted. The most common example is Amazon. The retail giant minted money over the past decade simply because they do not have the overhead that physical retailers have. By offering products online, this lowers their costs since their physical expenditures are for warehouse space. This is a lot less expensive than large stores or prime retail space in major cities. That is not the only evidence we see. Look at what happened to music. Back a few decades, music cost $10-$15 in the U.S. for a cassette or CD which contained 7-10 songs. Today, we have freemium services like Pandora which provide 40M songs if one will listen to commercials. If not, for the price of one CD, one gets commercial-free music in virtually unlimited quantity. We saw the same thing happen with video. KZbin (and now D.tube) is giving people free content to watch. Add in Netflix which charges about the cost of a CD, and someone can watch 168 hours worth of programming a week. We can binge watch our lives away. Finally, the communications world was also turned upside down. There was a time where calling outside the local area cost money. Now, with the online applications, that cost went away. Thus, we learn a couple things about the Internet: A) It creates abundance in whatever area it enters B) It demonetizes that same area. Now for the fun part: the Internet has come to money. Hence, we are witnessing the demonetization of money. The paradigm is shifting from the scarce to abundant.... I don't know where this is going, but I am very alert. The concept of digital money may take sometime for the average human to understand, but so was the case with the concept of the internet. And here we are decades later, we can't do without it. The existing institutions are going to put up a fight just like the long distance phone companies, record labels, and newspapers. They all fought the good fight only to succumb to the two tenets of the Internet. Naturally, for those of us who looked at it, we realized that the fiat world(normal currency) has no value either. Essentially, money is only as good as the trust people have in it. When people believe something has value and is worth utilizing, then it is. If said trust is broken, as in Venezuela, fiat becomes worthless. OKAY, I Will Stop There cause I could go on and on... Happy New Year N&J XO :)

[@NaomiandJack]

I meant we got scammed by a third party 😂 will spill the details in another video 👍🏼

[@cryptonomad4884]

@@NaomiandJack Looking forward :)

[@nanoushkan6137]

Do tell about your bitcoin experience!!!

[@groovyvirgochick]

You won't get money from me sorry guys I hate adds so I am on KZbin Premium but I always wondered how people actually get paid for being on KZbin and now I know. I came across you both when I saw the video of you purchasing your new home in Sweden.

[@KEMET1971]

"At the moment we live in a world where money is that driving force." I don't believe that statement has ever not been the case.

[@annglover1219]

We,

[@brownbabygirl]

In a hurry sorry where is it discussed how much they made 🤣

[@NaomiandJack]

🤣🤣 it’s about the last 5 mins

[@vidinman]

He does look a bit like a ginger Ronan Keating but together they are like a nice and happy version of Meghan and Harry

[@paulaburgess9157]

Great topic, you invaluable insight shows a viable path to financial independence. Though your eye make-up is very distracting, quite a waste for someone with much natural beauty.

[@brownbabygirl]

Yep

[@NaomiandJack]

Glad you liked the video, trying something new for New Years! 😂