These Millionaire’s Money Tips Will Blow Your Mind!

[@saraconklinfrozenpennies]

Grab The FREE Budget Planner here! frozenpennies.lpages.co/budget-planner-freebie/

[@Bob-yh7ir]

You pretty much described our life. Retiring soon in our 50s. Stealth Wealth is fun.

[@joannereynolds69]

Yep!! This story could be of my life too xx

[@Money-Fast-Plan-a]

This video sets an exceptional benchmark! - "Value the journey, for it molds your path to greatness..."

[@dawnwalus6587]

A100K a year isn’t low income mine is at 36k a year.

[@cathyeller5722]

I think it's so cute when people making that kind of money are complaining. They have no idea how bad things could and will get. Eating fresh veggies is nice, if you can afford them. My grocery budget for us two is 20.00 a week, we eat out of my stockpile of groceries. There are months that I don't go grocery shopping waiting for a good deal to come along and spend all my 20's I have piled up. This week hamburger is on sale, I'm going to sneak into my pile of savings to buy extra. It is difficult to find a good budgeting channel that isn't for the upper middle class, someone to help you to learn to save the juices off of a pork roast to use for pork noodles. How to scrape the grease that comes to the top off of your boiled chicken to save in the freezer for the grease you need to make biscuits. To boil your ham bone first by itself to get the juice for potato soup, then put it in your beans. Basic things that we don't know how to do until someone stands up and tells you. Of course, we don't have streaming services, we have utube, why waste gas going to the library, no special trips anywhere. Reading books? Hope you have insurance to pay for glasses most of us don't.

[@saraconklinfrozenpennies]

Yes but remember, they are two people with two incomes.

[@Shopgirl1]

Mine and hubbys is less than $30k..I’d feel rich if I made $100k

[@Shopgirl1]

@@saraconklinfrozenpenniesthat to me is still a good income for two people…considering we make less than $30k as a couple..but with home/cars paid off we live really well compared to most with our income!

[@kathybeal4408]

@@Shopgirl1Mine is only 38,000 per year. Over half of my income is just for rent.

[@mariannem8419]

Smartest budgeting thing I did was to put my credit card on autopay. It forces me to be conscious of my spending. While it's great to occasionally (rarely) treat myself to something beautiful at Bloomingdales, perfectly good jeans at Goodwill cost less than $7, and some are from upscale brands. I don't begrudge food service workers their income, everyone has to earn a living, but I find it very difficult to spend $100 on dinner out. On my budget, a little more than $100 can buy a week's groceries. The biggest surprise for me is that I don't feel like I'm depriving myself.

[@saraconklinfrozenpennies]

Love this!! And I really love autopay too. The less I have to think about the better!

[@L.J.H.-sg6eb]

Amazing. I havebeen on the fence to start putting more in my 401k, but I feel now is the time! And I love to budget! I use notebooks too. So many notebooks! Lol Awesome advice! Thank you so much! ❤❤❤

[@margarethawk3073]

The problem we find is that health problems change everything. My husband had to go on disability before retirement and before full social security. I had been a stay at home homeschooling mom, caregiver for a grandmother and now for my husband. Our income isn’t what we had hoped for or planned. Life happens… One must just focus on doing the best you can and trusting in God. Learn all you can.

[@Paleface324]

This was so much more interesting than a list of frugal tips!

[@saraconklinfrozenpennies]

Thanks so much! I’m trying 🥰

[@annajohnson6272]

Whatever you post, I find it very interesting! I just turned 70 & I try to learn something new everyday. Watching your videos will give me a new tip or two. Thanks!

[@fourdayhomestead2839]

Like to camp? Buy an annual park pass. Make sure it covers camping & be frugal when you stock supplies (I take my own water. I make meal kits & necessary food). Yes, water, since water quality varies based on where your at.

[@kallasusort2986]

Sounds like Dave Ramseys approach and like we went back to the 50's with June Cleaver. Mainly it is setting priorities in life. What soothes your Soul? And not buying into consumerism

[@kathyholland5477]

Live below your means.

[@saraconklinfrozenpennies]

Yes!!

[@BSGSV]

This is prime advice.

[@KarenKay-d3l]

This year we splurged on a new tent for our camping holiday. Our previous was bought used at a garage sale over 10 years ago. This was our first year without either of our kids though, so didn't need such a big one.

[@Intentional-frugality]

I wish I made 100K. I do almost everything I can to save and make it on 39K. No hate good for them. Having higher income and side hustle makes a huge difference

[@tubecontributor3206]

I always enjoy your videos and they are useful. Some input on do it yourself though. Even if you know how, it is important to use an electrician for electrical work at your home-if you do not and something happens, the insurance company can deny coverage. I'm not an electrician but read about someone who had that experience. The insurance companies will be thorough in trying to determine the source of a fire.

[@KathyJacksonSanDiegoRealEstate]

Thanks for this great video

[@AuntBee185]

That’s what gets me,he doesn’t do team. It makes it difficult to be frugal.

[@saraconklinfrozenpennies]

I imagine that’s SO HARD! I feel you.

[@lisajohnson4190]

True for me also m.

[@AuntBee185]

@@saraconklinfrozenpennies Need tips on how to stay strong and focused in retirement after making all the mistakes and getting discouraged with myself.I do enjoy your energy and hope ,hearing it helps! Thank You! And not getting off track without team player.lol,haven’t figured it out yet.

[@cathyeller5722]

Not really if he doesn't do team work, fine do it yourself. Split the bills in half you keep your money separate. If he doesn't work as a team then it isn't a good marriage. Keep money separate be ready for him to walk out on you. I'd start putting money away, he doesn't need to know what you are doing. You can cut back on the grocery bill he won't even notice. Protect yourself and you children first.

[@einat1622]

Live below your means and focus on your needs (& wants)- for yourself, not for keeping up with others.

[@saraconklinfrozenpennies]

Love it! Absolutely!

[@edithcunanan8908]

Good morning SARA, awesome video,great tips.

[@saraconklinfrozenpennies]

Thanks so much and thanks for watching.

[@cathyeller5722]

I love how she said they only make 100 thousand dollars which isn't much by today's standards. Try doing what they are doing living off of 30 thousand a year then I would be impressed.

[@saraconklinfrozenpennies]

Thanks for the feedback.

[@Paleface324]

She said they were self made millionaires. You probably couldn't do it on anything less. However, you could live better on a smaller income using these ideas.

[@GoingGreenMom]

Lol, that's what I was thinking. And I am fine with the idea of paying cash for a trailer, but around here (in trailer making area), renting them out for that much is ridiculous. You would have to own a trailer park, and even trailer parks renting new trailers in high dollar areas only get 1100 dollars a month including lot rent (and lit rent in mine is 601 a month). I bought mine from an estate on December 29th for 5700 dollars because they didn't want it to go to another tax year. It was worth over 16k dollars at about 8 years old.

[@bonniegaither3994]

Right!?!

[@bonniegaither3994]

@@GoingGreenMom are you talking about trailers or mobile homes?

[@jennesont4791]

You are describing my life! It's nice to know we aren't alone.

[@pamw1490]

Hi Sara, I love your videos! I learn so much from you! I have a question! Could you help me in finding a you tube video about paperwork and how long you keep the documents. I’m talking about how long do you keep credit card statements, insurance statements(car), Comcast statements, utility statements and taxes? Nobody ever answers this question for me. I would truly appreciate your expertise on this matter! I would appreciate any help you can give me. Thank you in advance!🙏🙏

[@saraconklinfrozenpennies]

Hmm. Let me think on this one!

[@dizzysdoings]

Most things can be accessed online, like bank statements. Things like tax returns, etc should be kept for 7 years.

[@dora9368]

I keep my utility and Comcast statements once the company shows that my payment was received for that specific month, and once you receive the next months bill verifying that the payment was posted to your account and there is no balance for that month. I hope this makes sense.

[@anniesshenanigans3815]

the only documents I keep a hard copy of are ones that would be impossible to obtain online or in person. Which at the moment I cannot think of anything that cannot be, if you file your taxes online, scan your documents to the cloud. I live in Florida, and have seen many people lose everything to hurricanes or fires.. so I learned to scan documents that I thought would be difficult to replace and upload them to the google cloud, which is free. I have some in my tiny safe, that would be easily accessible for my son to have some sort of reference point when I die. Technology has made it so much easier to be a minimalist!!!

[@fourdayhomestead2839]

Important papers & taxes. Printed & put in safe fire & water proof place.​@@dizzysdoings

[@judithhansen-nt9zm]

Really good video! Thanks.

[@saraconklinfrozenpennies]

Thanks and thanks for watching!

[@JastaAdventures]

We often eat 2 meals on the weekends. It just sort of fell into and decided we liked it.

[@anniesshenanigans3815]

so what about someone that never contributed/does not have a pension? or two incomes? Or a rental property? None of these tips really help someone that is facing 'retirement' within 5 to 10 years without those things already in place... What is the average age of the people watching your videos? Wouldn't it be better to focus on something doable for that demographic? I do not eat out, I plan meals, I finally have a paid off house and do not carryover credit card debts. As a single person, my adult life has been about staying ahead of poverty. I no longer read because I have had a vision issue, so it's a struggle finding things 'to do' since I used to spend my spare time devouring books. I have a budget that I closely monitor. Had I started with tips like you mention here 20 plus years ago, yes I would be in good shape for retirement, but being single it was never an option, or at the least I did not have the financial sense back then. My journey began about 5 years ago and since I am now 61 I know that I will probably be working for the rest of my life.

[@saraconklinfrozenpennies]

Thanks for the feedback!

[@anamariaguadayol2335]

Try audio books. They are pretty good.

[@joannereynolds69]

The reality is - that you left it too late to make a big impact on your future. You might have to accept that you can never be like this couple.

[@martyp7233]

If you buy a Kindle, there are options for large fonts, and Amazon offers free books to download load on a regular basis. And I agree with the audio books option. Also free podcasts are very interesting to listen to! I use KZbin a lot and watch all sorts of videos as free entertainment, from prepping to health to money saving, cooking and home decor. Most museums have a senior day or senior price and a lot have a free day once a week. Our city has a community movie in the park once a month and free concerts and festivals multiple times a year. We go and enjoy being there and milling around. The older I get, the more I enjoy a good cup of coffee and music I sing too. I’m married but honestly, I love going on drives in the countryside or exploring small towns near us…by myself! It is like zen time for me. You don’t have to have a lot of money to be wealthy. If you have paid off your home and have no major debt then you are way ahead of the game. Good for you. So very many people are covered up in debt! I was chatting with a friend the other day about how expensive vitamins and supplements are….the decision was to start taking them every other day to stretch her dollars and hopefully still keep her levels at a normal range. We basically eat two meals a day and a snack in the afternoon like an apple. We have cut out most processed foods, and are trying to use our grocery money on as much organic as possible. The more we cook from scratch, the less processed foods we buy. We also have been concentrating on freezing leftovers or vac sealing dry goods in jars so they don’t expire. Oatmeal and rice and pasta and quinoa will basically last forever vac sealed in a mason jar with no air or humidity to ruin it. I do believe that having a positive attitude is very important and there is nothing wrong looking for other side hustle jobs. I have a friend who sits with elderly people. I also have another friend who runs errands for housebound people. At one point she was making an extra $500 a month. It comes and goes so she doesn’t rely on it, but it gives her extra income. God Bless!!!

[@dizzysdoings]

I like to camp as well. But, I don't need a camper. Depending on where I camp, I'll either camp in my tent (not sure how old it is, but probably at least 20 years), or the cap I just got for my pickup. I don't need fancy.

[@saraconklinfrozenpennies]

I think this is great. I went camping once by myself in my minivan. It was super fun!

[@pirateslife4me]

Yes! Converting my old crv into a Camp-Ready Vehicle this summer!

[@pirateslife4me]

@@dizzysdoings Yes! I have an app called Dyrt that I use to scope out campsites looking for free/cheap 🤗

[@dizzysdoings]

Camping has changed a lot from when I was a kid. It used to be a cheap, family vacation. We have a few campgrounds and a state park around here. Some of them won't allow a tent, not sure what they'd say about me sleeping in the back of my truck. Plus, most of them cost MORE per night than I spent on a motel room on a recent road trip. Got held up in traffic, so I spent the night at a Red Roof Inn. It was pet friendly and the room was really nice.

[@saraconklinfrozenpennies]

@@dizzysdoings Crazy! Here in NY, there are state parks EVERYWHERE! $22 a night :) Tents welcome!

[@bonniedurie3050]

Wonderful!

[@saraconklinfrozenpennies]

Many thanks!

[@lisajohnson4190]

Appreciate this video!

[@saraconklinfrozenpennies]

Thanks so much!

[@elizabethsydnor5247]

KZbin have LOADS of free movies.

[@saraconklinfrozenpennies]

Great tip!

[@Shopgirl1]

If u have a smart TV there are tons of free apps for movies and a smart TV has their own channels you can watch..if it weren’t for my hubby wanting all the sports channels and Fox News I would do away with the Dish and just watch the free stuff!

[@anamariaguadayol2335]

​@@Shopgirl1FOX? 🤮

[@curtishar.8908]

Great tips!

[@saraconklinfrozenpennies]

Glad it was helpful!

[@livingmybestlife9697]

Great tips❤

[@saraconklinfrozenpennies]

Thank you!!

[@savvyshopper1286]

Can you do a video if theres a chance to be a millionaire when over 55 years to 60 and if this is possible? Thanks so much.

[@SimplyKatieWalks]

My husband and i are in sync with our finances. This is the reason i could retire at 56. I would love a video on what you think of "no spend" challenges? I see the trend is leaning toward no spend years. Do you think it's sustainable?

[@saraconklinfrozenpennies]

Congratulations!! Great accomplishment. I do have a few older videos on no spend challenges. I think it’s motivating and fun to “gamify” not spending money for a clear purpose.

[@SimplyKatieWalks]

@@saraconklinfrozenpennies ill go back and look! Thank you!

[@laundrygoddess4]

If I had a big lunch like that, I wouldn't need dinner

[@saraconklinfrozenpennies]

Me, too!!

[@shehnazahmad5213]

I came across your channel about a month ago. I sub. I am watching from JOHANNESBURG, SOUTH AFRICA 🇿🇦

[@saraconklinfrozenpennies]

Thanks so much for watching!

[@lynnoorman2144]

Irritatingly, here in the UK car parks have started to be 'Card Only'. I always budget with cash! Similarily many supermarkets have 'Card only' checkouts. Sometimes, these are the only ones open as well! Of course i like to pay cash again!

[@saraconklinfrozenpennies]

That is very annoying. I agree!

[@fredswartley9778]

Sounds like a simple, frugal lifestyle. I bet they also avoid debt and invest in low cost index funds.

[@miriamgonzalezsiegel6478]

My friends call me Nettie Green 👍

[@silmuffin86]

it's great, but they are older and have a house and a rental property they bought YEARS ago, when income/cost of housing ratio was very different.... we have just moved back to the US after 6 years overseas, and now a small 3 bedroom house would cost us way over 3k a month in mortgage between crazy cost and crazy interest rate :/ We save, we invest, we don't splurge, but it's not how it was in the 80s and 90s. Also, not every job can be done out of a small cheap town. My husband career limits us to where we can live. last but not least, doing your own car repairs will invalidate its warranty

[@lauriekerze3461]

Not necessarily, school nurses are being phased out for health aides via agencies.

[@wandahall4435]

❤❤❤😮😮😮😮😅😅😅 Great job Sarah

[@saraconklinfrozenpennies]

Thanks Wanda and thanks for watching. 😊

[@pirateslife4me]

The older I get the more I'm appreciating good health for all kinds of reasons, including the awesome economy of it!

[@saraconklinfrozenpennies]

YES! Me, too!

[@iamjane9628]

That couple sounds so much like my husband and me.

[@saraconklinfrozenpennies]

Me, too

[@Savage11-b7e]

Please remember to get things marked below prices

[@saraconklinfrozenpennies]

100% agree!

[@Fdt172]

If the school system she is in does not pay into a Social Security account then if her husband dies, she will not get any or very little Social Security. You should look into the WEP windfall provision at social security.

[@skylark391]

Cute, do you describe your own family?

[@NANETTEMILLER-s8w]

They did investing point blank

[@RanDom-II]

Fun to watch, good overall advice, and love your channel but as a poor single woman, this couple's lifestyle still seems partly, just partly, wasteful not because of what they spend money on but because of what they don't spend money on. They should be using their resources to consider expat life and learn other languages if they only speak English. Travel in order to find escape real estate around the world and money diversified outside the US. And stop eating all that sugar, a recipe for in insulin resistance, inflammatory conditions, diabetes and Alzheimer's (especially), look at, well you know, aged politicians, they're millionaires but.... What do you do when the power goes out if you're sick, that credit card isn't going to work if you lost a phone connection/internet, and if it's a natural disaster, you're hired help is going to go back to their own family. I was surprised when my therapist said her family stashes up on bullion. Basically if you haven't planned for end of life and you're over 55, you need a strong chain of human support system including outside the US. I know because that's how my family survived WWII.

[@saraconklinfrozenpennies]

Thanks for the feedback!

[@Jean-ni6of]

Made a short story long. Too long.

[@saraconklinfrozenpennies]

Thanks for the feedback

[@sandraboose3686]

What is concidered a small house?

[@saraconklinfrozenpennies]

Gosh, that really does depennd on where you live. For us, here in our town...its under 1200 square feet

[@vickiyoung3422]

Uo

[@anneford5906]

PENSIONS AND 401KS WILL BECOME JUNK

[@saraconklinfrozenpennies]

What?!? Why would you believe this?

[@anneford5906]

@@saraconklinfrozenpennies look at prices...they will not be going down...too much money printing...and that won't stop with war

[@anneford5906]

Pray and prep

[@anneford5906]

Ahhh...couldn't handle the truth...reply deleted

[@deannamauretic]

The great taking(book) on how they will do this

[@EdA-bz3bu]

😂😂😂😂😂😂 Are you going to say they never argue or go to bed mad. 😂 Good for them! I am NOT wired that way. AT 51 we have absolutely zero debt and through out our lives we only bought 4 new cars and I get her handy me down used cars and I always work on our cars. We paid off our first house we first bought. At 57 when our kids finish their 4 year degrees (I am an emigrant and a high school drop out) we will have their tuitions paid and we will retire. Current net is $1.6M. counting we “live” till 90 our net at 57 if you count the guaranteed pension, SS, and investmentss our net would be north of $5M. It will keep growing because we always live on half of what we made. Our goal is to figure out how not to leave a tax problem to our kids and hopefully grand kidsssssssss.

[@saraconklinfrozenpennies]

LOL! That's pretty funny. I would bet they've had their share of "discussions"! Congratulations to you! Sounds like you are ROCKSTAR material!