7 Life Decisions You’re Making Way Too Hard On Yourself

[@thefinancialdiet]

Chelsea shares the life decisions she's glad she didn't make here: kzbin.info/www/bejne/oXvbmaKrd6armrc.

[@danielsimmich1858]

Shoutout to younger me who deadass wore the exact same outfit for over a year because I was extremely uncomfortable with myself. I was really living that cartoon wardrobe lifestyle

[@GreyRock100]

I think that's badass.

[@pushingdaisies_]

🧐 1. Investing vs paying down debt 💶 2. Starting exercise 💪🏼 3. Deciding what subscriptions are worth it 📺 4. Creating an adult wardrobe 👔 5. Choosing a credit card 💳 6. Planning our your weekly diet 🍳 7. Staying in or leaving your job 🚶🏼‍♀️

[@shashankkumar1736]

Thank you

[@ricebeansrockroll882]

Thank you. I love these videos, but i just cant focus long enough to get it all in. These lists helps alot!

[@ricebeansrockroll882]

Cant for the life of me understand why people are so rude and mean though. There is something like constructive critisism, and then theres just being... petty.

[@omgitsyelhsa13]

Bump

[@lv834]

People like you make life easier. Thank you

[@thereserm4378]

There were good points here, though like others, I was distracted by the sponsor. I trust Chelsea and the TFD team, but it led me to wonder-- how can you actually make a wise financial decision with phone, internet, and/or TV providers? Most of them have complicated contracts, or if we call for help, we're presented with information that was never brought up with the salesman or installer. It would be incredibly helpful of the TFD did an episode explaining terms, options, statistics, and what questions to ask when choosing a provider for these services.

[@lv9265]

Underrated comment; and I wish they saw it, instead of repeating themselves in almost every video.

[@TheEagleEnigma]

more career videos please! i like the old ones about starting out in your job, learning professional mores, finding and getting a job etc

[@kiterafrey]

nana I’d love to see some about running your own company as a career too.

[@vmpapillon8984]

Totally agree with you on the walking! After an accident I was impaired for quite a while. I started slowly with walking (way below 10.000 steps). But you get used to it, increase it slowly and now I'm trying hikes and started yoga☺.

[@hambydandy334]

When I first started using a credit card a year ago, I looked for ones that had a long period of zero interest (American Express, Capital One, and Wells Fargo all have this) so that I could pay off my medical debt without having to set up a terrible payment plan with the billing department and continue paying interest. Two birds, one stone. Getting rid of debt while avoiding interest payments and building my credit.

[@prapanthebachelorette6803]

This one is gold, thanks ☺️

[@itsamodernmess]

So impressed by Chelsea in the last episode but seriously pairing with the sponsor like Verizon FiOS?! Come on TFD. You’re taking advantage of your newer subscribers by recommending internet phone tv bundles where in previous episodes you warned against TV bundles.

[@vgilpin707]

$$$

[@leilanidru7506]

What’s Fios and why is bundling bad. Too lazy to google😬

[@LetiMS]

It's the sponsor of the video

[@priusa8113]

Alexandra Marks totally thought about that!! What a waste of money to pay for those ridiculous bundles!! I get internet only with a cheaper provider!! Cable and home phone are a waste of money. Quite disappointing to See a financial channel motivate its subscribers to waste money on crap:(

[@nouveaucourteduree9836]

I guess she needed the money, and it's a good thing for her if she can get sponsers even when she talks shit about them 😊

[@MsRavenousWolf]

Also doing more household chores and activities burns calories. However, jogging in place for 15 minutes a day is a great jump start in burning a good chunk of calories on top of walking 10,000 steps. If you're not comfortable with jogging for 15 minutes then start small and work your way up.

[@mk-sw9ow]

Yes, I feel like exercise for the sake of exercise is wasted time. I could be working out and getting stuff done

[@littlegeo1]

I like the point that Chelsea made regarding wardrobe. I Marie Kondo'd the shit out of my wardrobe last year and even though it felt great at the time, I find myself slowly needing to introduce new items to make me happy. It sounds shitty and like a total first world problem, but I also lost weight from intermittent fasting and regular Pilates and it just kind of feels good to replace some things in my wardrobe now that I can wear a little bit smaller of a size. I always enjoy these videos, mostly because I feel like I'm already doing a lot of the things that are suggested, but it also makes me feel like I have at least some of my shit together. 😂

[@tammystockley-loughlin7680]

Find yourself some cute stuff. Way to go!! Positive vibes from New Hampshire and remember to be kind to each other and yourself during this pandemic and social crisis

[@jalondradavis1565]

Yes I also over-Kondo’d my clothes a few times and needed to replace some of the things I threw out. It is a wonderful system that is really helpful but you also have to be practical about your life. Sometimes there are basic pieces you kind of need to keep that don’t necessarily bring you much joy.

[@sassytart28]

You have to factor in risk when you do the whole paying off debt versus investing. Being in debt but investing is way more risky than getting out of debt and then investing. Not to mention saving up for an emergency fund is very important

[@garrettk7166]

Particularly since many credit cards are 15-20%, and it'll be nearly impossible to get that type of return via investing. Paying those off gives an immediate 15-20% return. Plus having no debt gives peace of mind.

[@Ammut6]

Verizon FiOS: not the best financial decision

[@laurenconrad1799]

Jesse part of me is like, it’s a good financial decision for them because they need money to keep making videos. But another part of me saw the advertisement for tv, internet, and phone as a “savings” package and I kind of want to facepalm, not gonna lie.

[@Ammut6]

@@laurenconrad1799 savings and Verizon do not need to be in the same sentence😆

[@pennyb9445]

Not a fan of FIOS. Large, overpriced arrogant company that has monopolies in certain areas and forces you into a contract that even when you move well out of their area where their service is not offered, charges an early disconnect fee. Moved again to an area of only FIOS and waited 13 hours, 6 phone calls and the guy never showed to my house, even though each representative said he was coming. I know you need sponsors but FIOS doesn't really need another platform to shove its false "deal" down our throats. Just saying

[@squashua16]

Cut the cord

[@AlyetAJ]

How much will that package cost after the introductory rate expires?

[@staceyj3667]

Do find a gym that’s more accepting. I look like I just discovered legs and directions in my Zumba class but everyone is supportive. Sometimes you just gotta get in there and congratulate yourself for showing up and ignore everyone else. 💙

[@pennyb9445]

No FIOS please. Maybe find a less greedy, less arrogant company to sponsor you. They don't seem to pair well with your message.

[@cherrytung]

*This Tuesday feels like a Monday with Memorial Day weekend... but Chelsea made it all better* 💕💕

[@Meloncov]

I think the paying down debt vs. investing is glossing over a huge factor; risk. Paying off debt early is risk-free (barring a massive societal upset where all debt gets forgiven/abandoned). Sure, historically, investing in the stock market yields better returns than paying off your mortgage early, but I can be certain paying off my mortgage will save money while I can't be certain the stock market will grow indefinitely. This isn't to say paying off debt is always better (it isn't), but paying off debt early is a better deal than a simplistic calculator based on average historical returns would suggest.

[@Lady.Luck.]

exactly what i was going to say!

[@alongforthememories]

I think it’s definitely a matter of playing it safe vs reaping potential higher yields. This advice from financial gurus I’ve always internally debated because while paying debt off first seems to be logical, it does make sense that investing that money in the long run could provide more cash in the bank

[@tokiobabe99]

To my fellow Canadians: Here, if you want to get a prepaid credit card, as mentioned in 13:40, you can, however the bank does not count it as credit to you and it does not count towards your credit score. You can still get rehab credit cards, here they are called secured credit cards, but the prepaid cards are treated more like a visa debit. It works to buy stuff online, but only on some sites, and it won't help you fix your score.

[@CloudTribe]

I'm coming up to 2 years on my job and unless I get promoted to a different position in the next 3 months I'm already looking for the doors. Everyones nice but boring af and don't really make an effort to get to know you unless you're higher up on the ladder.

[@laurennoel91]

Love the tip about working out! I feel like I’m always trying to find new ways to like it. Simplifying it is what I’m working on now, and I feel more accomplished because of being consistent. Love these types of videos!!

[@lavayuki]

It took me ages to pick credit cards. I have just 4, but for each one I did lots of research, asked people on money forums etc. before deciding

[@kiterafrey]

OMG Chelsea I feel you. I meal plan and I get those questions all the time! I totally support the mea prep community. I discovered it with Mind over Munch and it changed my life.

[@olly2027]

Katherine Petersorf I love watching her.

[@kasparbhauser9707]

I hate to say it because I really love TFD and their videos have truly helped me a ton, buuuuut their videos lately feel like they've been on repeat. I don't feel like I'm learning anything new.

[@LinhHueTran]

People always overcomplicate the gym. Honestly. I cannot keep myself accountable without a coach & that’s awesome. I work my butt off at my boxing gym & have a great time doing so, to the point of being the example within the class.

[@Amy-fd9xp]

I disagree with the clothes one. I love the experience of looking for unique and interesting pieces. Also, having multiples of the same item stresses me out because it feels like clutter to me. Maybe for some people it's easier and less tiring to just have multiples, but for me having multiples just doesn't make sense.

[@katefriend4085]

Re jeans making women hate themselves: after the birth of my second son, the "muffin top" in the mirror when I wore my old jeans depressed me, so I just "cancelled" jeans. I don't wear or even own pants anymore. I love dresses, because you put them on and... you're done! Plus, people mistake you for dressed up all the time. I realize this wouldn't work for everyone, but my post-partum, already pear-shaped body was not meant for jeans, and I'm much happier now. Just a thought!

[@levelupyourlifek]

Your hair looks fleek in this episode 👌

[@c.9231]

Kayfit30 - Yes, I was thinking the same.

[@TheHerothief]

it's so weird to me (im portuguese) that all american finance videos start with debt (usually student) and mention credit a few times EVERYTIME. im 26 and i dont know anyone my age that has debt. one of my friends took out a home loan, but that's a little different, and it's normal. I know a total of one person my age who has a credit card...

[@sydneylittle9822]

Walking 10,000 steps a day is only that easy if you live somewhere very walkable like new york. I regularly hit 5k by they end of the day because I drive and sit at work. It is not super easy and convenient to then go out at night to just meander about my neighborhood by myself until I double my step count. Working out for 15 mins from my living room is much preferred.

[@maureentakach3065]

Chelsea, I appreciate your transparency on your financial journey. I am not a millennial, I am on the cusp of Gen X and Baby Boomer, I love your KZbin and Instagram material and recently listened to a podcast. I appreciate you saying how you repaired your credit. Can I ask if someone helped you with this or did you wake up one day and decide to do it? I wish I had your channel a long time ago as it would have been so beneficial to me on saving, organizing and all of the other things you cover here. Thanks for all you do.

[@CarlyneDTQTonPod]

When Chelsea uses her own language/terminology and says “ super Noodley” @5:05 EYE 😂😂😂 I’m so proud of being a loyal subscriber for The Financial Diet 💵💰💼👩🏽‍💼💖

[@simplymaci]

Definitely needed this, thanks for this video 😂🙌🏼

[@sunrise2day462]

I love watching your channel, I just have no time. What happened to you 5 to 10 minute videos?

[@garrettk7166]

Gotta get those 23+ minute videos with sponsors!!

[@nicoleosmond4442]

"fu*cking duh!" Nearly killed me LMFAO!!! it's something I say all of the time!

[@johhnycash1515]

Cooking in batches is good because its easy but its also horrible for nutritional value of the food and for the taste and quality of it... you should only meal prep for 2 to 3 days max and thats it

[@professorthread]

It's a good thing that in my industry, people move from company to company a lot. Most people stay in one place for 1-5 years at most, at least until they find a company that they really love and want to stick with. I just found a place where I made a major move up for me, but I don't see myself staying here for more than 3 years (mostly as a resume builder). Overall, I would say I like this place, but there are certain things I can't stand for long term here. It's really great advice for advancing more quickly to actually leave a company.

[@louellet8757]

Ps fit people dont judge you for going to the gym, the embarrasment you feel is YOUR internal feeling!! When you got to the gym you should be focussing on yourself! If you're staring at fit people and they look at you weird its because your being rude and staring. The fitness journy is full of challenge, failure, success, disappointment and gain!!!!

[@Havanah2006]

“Un mess upable” 🤣😂😅 I love Chelsea

[@YunnieLuff]

How can you be competitive in the workforce if you work in non-profits where salary increases are rare if not impossible (save for the expensive CEO who's salary is triple or quadruple the next employee down) and benefits poor? Or maybe the answer to leave the non-profit field...

[@angelacedillo6705]

That debt to invest calculator tho! 👏🏼👏🏼👏🏼

[@msdanascully11]

Don't agree too much about buying more of the same thing.... if you get tired of one, you get tired of them all.... I'll never do that again.

[@NovaDoll]

I think the reason for doing that is that if it wears out then you have another to replace it.

[@VampireKnightsLover]

Please show us your meal plans

[@karanagarwaal1716]

#thefinanacialdiet Thank You Lauren for wonderful videos from India . Helps Me a lot to manage finance as a student. BDW I have completed 6 months emergency fund target by cutting my unnecessary expenses. Nice Dance Move 19:53-19:55 . Reminds me of cardio session.

[@tammierenee8835]

Thanks what you said about exercise. I needed that!

[@babiimak3r]

This girl is legit! Love her!!

[@adientoledo2098]

Debt = risk. Would you take out a personal loan, car loan, or mortgage to invest that money? It is not simply a matter of comparing returns on investments to the interest rate on debt. Return on investments fluctuates up and down. Interest rate on debt is fixed. Debt can get anyone into serious trouble. Respect debt or it will own you!

[@lisabrowndesign]

Love the ideas of having more than one of pieces I love! Great ideas throughout this video.

[@mahdisadib3778]

I wish you were recording the talks in apps like podcast.....

[@anyawillowfan]

Have never had TV and never plan to. Netflix is super cheap and is enough for me. I tried Now TV with a free trial and decided it wasn't for me. There's nothing wrong with free trials if you know you are going to stop it before you have to pay, and do help make subscription decisions.

[@casondrastinson8525]

Yaaas to the freezing food!!! I do the same, I come from a big family & we joke that I cook for them (we live across the country).🤣

[@erinsterland9981]

I downloaded a pedometer while watching this. For my gym membership, I opted for a 10 pass class card. If you go 2 or more times a week, every week, a full membership is better but as I can only get there once a week (and sometimes not at all), I buy the 10 pass which gives me 1 free session out of 10, and a year to use it. Makes me go because I've prepaid it.

[@jefftimmerberg193]

Somewhere in the list of top ten phrases you don't expect to hear on a financial KZbin channel: "fucking duh..."

[@jules5215]

I support Tfd regardless of sponsor, we are all adults here, we can all choose to ignore the ad like we do everywhere else. They need support to make it work in social media. Let them earn and take the companies money while choosing not to give that company money

[@darklight6921]

that 80$ fios plan is so misleading. wait til they charge like $30 taxes and fees.

[@soozdent]

dark light it’s also a 2 year contract that goes up like 50% in the second year. It’s really misleading.

[@nicB7777]

I understand needing to make revenue, but the interjection fios is just blah imho

[@sharkitty]

Does any else see Chelsea like the responsible big sister with the best life advice that you always wanted? At 31, I need this advice more than ever 😅

[@Gigi-VG]

Thanks this was very enlightening!👏🇧🇷🇨🇭

[@NoraTKD]

Love the tips, thank you Chelsea! It is good to buy more than one of some things that you really love and fit you. I bought sneakers like that (3 pairs) and they are comfortable and reliable.

[@ChristineSpringerElaine]

18:09 was excellent. I shared with a friend who really should move on in her job but is on the fence.

[@annea.1765]

Great content. Would love to have the last point in it's own video lol

[@untouchable360x]

7. Loyalty has an expiration date

[@gabriellewilliams6133]

The lighting looks great

[@ajl1441]

Fantastic video. Thanks so much!

[@Ronniethegoblin]

Isn’t cable something you’ve suggested cutting the cord on before? Confused about the sponsor.

[@architecturaldream1]

"Fucking duh!" was the best line. Really enjoying this channel.

[@yotalksalot]

I really needed this video! SO useful!

[@Fausto_moh]

Nice. I have 4 of the same favorite blue shirt and 2 of my favorite mustard shirt. Now I know I'm not crazy, just financially savy.

[@pesodana]

Totally prefer scrubs over regular cloths. No thinking needed!

[@SirenUndine]

Chelsea, what are your thoughts and opinions on consolidating debt informally? Especially where it'd affect your credit less? Getting a cc or 2 with a 0% and transferring balances? Getting a loan? I'm not sure what the best strategic move to pay these off at this point would be. I haven't yet had to do this, but hoping to not make this a habit either.

[@surelysuperior]

Quiche, made one last night for the sole purpose of eating it through out the week. :)

[@mlssjthmpsn]

"fcking duh.!" 🤣🤣🤣🤣🤣 perfect.

[@helenmccormick2506]

All of Chelsea's hairststyles somehow look great!

[@gils100games]

What classes do you take?

[@curlyvirgo58]

I regret I purchased Skillshare

[@savanahsdollhouse]

Same

[@Macrina1818]

Curly Virgo wait why??? I’ve been meaning to get It!

[@Ammut6]

Would be helpful if you supplied tge reasoning behind your regret

[@UntitledFriend]

I agree. I tried it and didn't find the kind of classes I wanted (I'm in graphic designer and marketing--the target demo) plus I thought the quality of classes weren't great compared to like LinkedIn learning/Lynda (which I really love)

[@savanahsdollhouse]

@@Macrina1818 they have classes you can easily find on KZbin or very little to pick from

[@deadbeatboy]

always amazing, thanks for the knowlwdge

[@lucydeboxer2565]

Jeans. The great fashion industry hoax on women. I can't begin to tell you how much money I've WASTED on jeans that aren't even comfortable. So many other choices that look far better than jeans.

[@artofthebudget]

lol, cartoon character wardrobe! i love watching capsule wardrobe channels but much prefer the uniform for myself!

[@diverstalent]

Thank you! Very helpful

[@TheImperfectReader]

Very helpful thank you.

[@squashua16]

Cut the cord. Verizon is trash but dont blame the messenger.

[@rosesandfoxes]

these ad plugs are frustrating...

[@TheRealE.B.]

*I always slightly favor paying down debt over investments instead of a one-to-one comparison of the rates of return. First of all, relative risk needs to be weighed. Your debt interest rate is a more predictable number than your investment returns, and if your debt is greater than your liquid assets, the risk of being unable to pay in the event of loss of income also needs to be factored in. Taxes further complicate things. Earnings are generally taxable. Savings due to avoidance of interest are generally not. Some exceptions in the U.S. are Roth retirement account earnings, and student loan/mortgage interest.* *But yes, either way, don't stress about it. Either paying off debt or investing is better than wasting your money on dumb shit. Like unnecessary TV and Landline services bundled with your Internet! :D*

[@MzShonuff123]

Hahahaha! I put in my notice today but that's because I have an abusive, narcissistic boss and have finally gotten tired of it.

[@annina1090]

Quicksand...you got it right, 👀

[@jeannieneuser5316]

Every person ever: should I invest or pay off debt? Also every person ever: I can't make up my mind, so guess I'll just go spend more money I don't have, on stuff I don't need. 🤷 Every person I've ever talked to who was balls deep in this conundrum, really just wanted to deal with their cognitive dissonance without the difficulty of change. Had they simply picked one and committed to doing anything positive for themselves, they would have improved their situation, as opposed to ending up even worse off 5 years later. 🤦

[@jrmcdonald7510]

I love TFD and have been watching for while! It contains so much useful information and advice that you just don't hear on other YT channels. But speaking as an instructor who wants to share these videos in her freshman college level courses, the level of cussing has become an issue. I know, I know - everyone's heard these words, and they're just words that only have a bad meaning if you make a big deal about them, and they're adults, etc., etc. I get it. However, the parents of some of my students don't see it that way. I wish it wasn't like that, but it has been my experience. So, take my comment as a single observation rather than a full-on indictment. Know that I love the content and have learned a great deal myself. Keep in mind, though, that the language used might prevent some teachers from being able to use your videos in class or share them with their students.

[@jitterysquid]

This channel has a very tense relationship with clothes...and frankly gives bad/boring advice (that might be projected insecurity?). The world won't end if you have a little fun with your wardrobe! Even if you dress "like a little girl" -- own it and demand respect! Professional folks respond positively to colorful fashion as long as you're doing your job right. And there's no escape from an evolving wardrobe -- best to consign your old clothes when you get bored to make money back for "new to you" clothes. Buy used/good quality clothes you love, take care of them, then consign when you get bored. Keeps everything fresh and sustainable.

[@Scully331]

Love your videos, very informative. I watched this video a few moments ago on my TV using ROKU and of course, KZbin. But I do not know how to "like" a video with my ROKU remote (or my cell phone app remote). In order to LIKE - I have to go to my laptop . Does anyone know how to Like a video w/o using my laptop - when I am watching from my TV? Thanks!

[@sakunaruful]

You need to click on the tab with the 3 dots, the thumbs up and thumbs down buttons should be there.

[@buttonfactories4448]

poor choice of sponsor

[@MyMamasChild2]

Is this also a podcast?

[@georgehowelliii5666]

I like your hair in this video.

[@kin6david]

The "fuckin duh" caught me by surprise, but somehow made me enjoy this video a bit more

[@mickylord21]

Great video

[@authenticallytrish]

Chelsea is goals

[@clairekug5709]

I think it’s totally ridiculous that clothing can be considered immature

[@kissesofdoomkm]

I love when you cuss 😂😂😂

[@JuneHarriseco]

Any way to keep the videos down to ten minutes. Contrary to KZbin's stats, people DON'T want to watch longer videos

[@juliewells4282]

I totally agree with your 1 in 60 jeans comment!

[@evenessa]

Play at 1.25x at least :)

[@priusa8113]

Suggestion: please keep your videos to a 15 minute maximum duration. Thanks:):)

[@yvettemonique4330]

Then don't watch them, she's very informative

[@k700i]

Now I wanna quit my job