The Only Piece of Financial Advice You'll Ever Need.

[@imbarmstrong]

To quote Dickens: “Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.”

[@ThatFinanceShow]

Yep 100%!

[@DafyddMorse]

More people should focus more on their behaviour rather than what indices to buy! Great video, Tom!

[@ThatFinanceShow]

Totally agree, thank Dafydd

[@anthonyuzum]

Best video you’ve done so far 🤣…. I’ve shared it with my family.

[@ThatFinanceShow]

Wow thank you, made my day! 🙏🏻

[@TobyNewbatt]

Enjoyed this one a lot nice work mate!

[@ThatFinanceShow]

Thanks Toby, and thanks as always for your council during the packaging process 😂

[@TheCompoundingInvestor]

Great video. Gripped from start to finish. Already forgotten about your T-shirt 😀

[@ThatFinanceShow]

Thanks mate, we’ll at least that’s one that’s forgot!

[@S106]

About 50 years ago, I read David Copperfield and was struck by Wilkins Micawber saying "Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery". This became my number 1 behaviour and have never looked backed. Resulted in saving for first few years before commencing investing (unit trusts) when I reached 20 and haven't stopped since. The downside - Frugality a behaviour I cannot kick.

[@ThatFinanceShow]

Hi Kelvin, thanks for this, enjoyed reading it. The last part especially made me take notice, frugality being tough to kick. That's a video I'd like to make.

[@PrettyPennyClub]

Atomic Habits is excellent. This feels like a behind-the-scenes on actual improvement... the book is excellent on stripping everything back. Love the style of this video too. Feels like a documentary. Very enjoyable. Nice tshirt.

[@Dr.JubairsFinance]

This is sooo well made, a testament to your Nuclear Habits

[@ThatFinanceShow]

Thank you Jubair, tried to push myself on this one so that’s appreciated

[@gibboman]

Another great video Tom, thankyou. Some really good points, and very encouraging actually. I'll need to re-watch this over the next few years 🙂

[@henrywiddas314]

more funny T-shirts please!

[@DavidUKesb]

I've pretty much done very similar to this my an early age and retired at the age of 53 without ever having anything more than an averagely paid job.

[@T-Cup314]

Just found your channel after checking out Trading 212 videos. You remind me a little bit of James May. Very relaxing and resourceful content. I don't like to subscribe to loads of people for obvious reasons but you sir have earned a sub.

[@ThatFinanceShow]

Wow, thanks!

[@albanmassive]

Really enjoyed this, thank you! You’ve got a new subscriber :)

[@ThatFinanceShow]

Awesome, thank you!

[@chriscampbell1309]

Why would you not attack the debt with highest interest rate first. That is bad advice in my opinion. Rest of video all good advice

[@ThatFinanceShow]

Mathematically speaking you are right. But there is a physiological element to this, something behavioural. Attacking the smallest one gives a quick win and for some people can be the difference between them carrying on and seeing it through or not.

[@ItsMe-co4bj]

American hot pizza…..my kind of guy ! 😊

[@ThatFinanceShow]

Delicious isn't it!

[@kelle_li]

Great points from Atomic Habits, translated into the finance world Tom. 11:42 Don't worry Tom, it won't be 50%... it'll be 100%

[@ThatFinanceShow]

Oh god please say not 💯

[@JudeTheCoolGuy]

Burned into my eyes, great point well made

[@ThatFinanceShow]

Hahaha, might auction the T-shirt off for charity 😂

[@beatbonjon1384]

Start selling the merch il buy that shirt 👕👍keep the vidz rolling 😊

[@ThatFinanceShow]

Funnily enough, I have an announcement on this soon 🤫

[@DafyddMorse]

Whoo hoo! Second view!

[@ThatFinanceShow]

Get you lightning mcqueen

[@The_Unintelligent_Speculator]

Talking my language. Subbed.

[@ThatFinanceShow]

Thank you and welcome

[@VegasMilgauss]

Hair.

[@ThatFinanceShow]

Here he is.

[@SteveDuts]

Great video Tom, eventually got the book to slide into shot 😂 and we call Damien (Talks Money) - Carol so do we all start calling you Barry now?

[@musyclover]

Saw you on the T212 app and so far you have the most engaging presentation style. Subscribed

[@jonathantaylor4776]

Tom, if you decide to give up that t-shirt, i would be happy to take it. Copacabana is a banger!

[@jf6882]

Dave Ramsey what have you done with my Thomas?

[@ThatFinanceShow]

Stuck a wig on him.

[@robertkilminster3402]

You can donate the shirt to my mum mate! A big fan!

[@ThatFinanceShow]

Big fan of me or manilow? 😂

[@robertkilminster3402]

@@ThatFinanceShow haha! Manilow I’m afraid. Personally, I prefer you. You win some, you lose some.

[@PaulBriscoe]

Toms got James May vibes going on in this one!

[@ThatFinanceShow]

Oh god, not sure I like this.

[@manishrana6]

Very good advice.

[@ThatFinanceShow]

Thanks my friend

[@Summerrose400]

Brilliant videos thanks. I’ve just subscribed and am sharing your channel with friends.

[@ThatFinanceShow]

Awesome, thank you!

[@lydiasnape5253]

Yessssssss

[@ThatFinanceShow]

😘

[@tonyjohansson2967]

This video was actually the very best i have seen on this subject 😊👍 i am very impressed and inspired. Subscribed.

[@ThatFinanceShow]

Awesome, thank you!

[@andrewwing5086]

I've generally followed your advice and on the whole have a fulling live . I've seen a family member who earned a six figure salary for many years and is so obsessed about hitting his middle class markers his still working close to 70 looking around, totaly burn out, having spent nearly all his money with little savings. Asking where did it all go wrong. facing a further now realising its not light at end of the tunnel but a train coming towards him. Some people apper so intelligent yet unable to ever scaratch that financial itch.

[@ThatFinanceShow]

So true, it's not about what we earn it's about what we keep.

[@kerryknight1125]

Great advice Tom. Should have been a Gary Barlow T-shirt

[@ThatFinanceShow]

Can I borrow one?

[@arjunkapoor6305]

Another top video from ‘That Barry Manilow Show’

[@ThatFinanceShow]

haha! Hope that doesn't catch on.

[@ramirocarril4025]

Thanks a lot, Tom!

[@neilinvests]

Nicely done big man.

[@ThatFinanceShow]

Thanks as always Neil. You in the green yet 😉

[@neilinvests]

@@ThatFinanceShow got so close, then crashed an burned again. 😂 good job I’m long term hey.