How Eating Out Keeps You Poor!

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Restaurants are getting more and more expensive, yet Americans are eating out more often. How much damage is this doing to your long-term financial goals?
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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Andrew Matthews
Executive Producer: Amanda Fox
Produced by: Katie Graham
Edited & Animated by: Andrew Matthews
Images by: Shutterstock
Music by: APM
SOURCES:
www.moneyunder30.com/the-true....
www.thebalance.com/slash-your....
www.usatoday.com/.../eating-o...
www.cnbc.com/.../how-much-ame....
www.bls.gov/.../consumer.../2...
www.cnbc.com/.../heres-how-mu....
www.huffpost.com/.../food-spe....
www.earnest.com/.../food-budg...
www.everydollar.com/blog/save...
www.youneedabudget.com/do-you...
www.thesimpledollar.com/dont-...
www.businessinsider.com/avera....
www.cnbc.com/.../how-much-mil....
www.marketwatch.com/.../ameri....
www.fb.org/.../check-please-m....
www.zagat.com/.../2018-dining....

[@EmiliaGeelan]

I learnt to manage my money through investments and it really works for me. They say money can't buy happiness but poverty can't buy anything.

[@Williamesq12327]

There are so many ways to manage money and prepare for a relaxing future, we just always have to keep doing our best because whatever we plant now, we will harvest later, good or bad.

[@tahirisaid2693]

Investing wisely can significantly impact financial stability, offering peace of mind and more opportunities. While money can't buy happiness, managing finances well now will determine future outcomes. Let's continue making smart financial decisions.

[@GeralynWinnifeld]

As a novice, how do i get into investing properly and be profitable??

[@tahirisaid2693]

Angela Lynn Schilling is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment._

[@GeralynWinnifeld]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@yaboijuan4052]

I went all cheap for 4 whole years. I never went out and didn't buy anything I didn't need. I saved up a lot. Enough for a house down payment. But I figured out that you only live once and enjoy your money while you can. You may not wake up tomorrow and all that money you saved up means nothing. Be smart with your money, everything in moderation is the key. Enjoy yourself but have a budget. That's my two cents 😁

[@wk3820]

Except for one problem: you still gotta retire someday!

[@davefx7949]

You may not wake up tomorrow......Imagine saying that every day and living to 80.

[@monkiram]

@Vanessa Louis We share all our finances. He does make more money than I do, plus I brought a lot of student debt and he brought none, so that adds to me feeling guilty about spending on myself or on things he doesn't care about... I just don't understand the idea of having so much money saved up and restricting ourselves from having fun. We're in our late 20s and have a mortgage, investments, he has a pension plan, plus more in the savings accounts so, to me, that's very comfortable. It could be because he grew up in a family with a lot more money so I guess he needs to have a lot in the bank to feel safe, while I grew up with my mom just covering all the bills, so to me, it feels like we're already rich lol

[@JonT1137]

You have to have a balance

[@Fluffypotato1990]

@@monkiram just because you have debt does not mean you should feel guilty he accepted that in marriage but all in all you gotta live life because yes nothing wrong with saving thats great what is wrong is spending your life just saving and not doing anything otherwise what is the point in life.

[@CNDCarManiac]

Honestly working in a kitchen in the restaurant industry has overall saved me a lot of money not just the free food but probably more importantly it ruined the experience just enough that I really don't eat at restaurants anymore 😂😅🙃

[@HamelinSong]

Please, I don't want to know.

[@NazriB]

Lies again? AMWF CAR Grab CDG

[@mariocoronel8445]

😂😂😂😂

[@vodkaboy]

Underrated statement

[@stout890]

no please tell me so i wont go out either

[@kingbonezai4925]

I think there is a big difference between eating out every lunch and a dinner or two and eating out once as a fast casual or middle of line sit down restaurant as a date night if you are married. One is paying a ton for wanting something quick, another is investing in a relationship.

[@TheGreatWasian_]

Facts, I don’t even want to know how much money I’ve had to spend on my long term relationship girlfriend who is pretty much my wife

[@sierrasmith8722]

@@TheGreatWasian_ "had to spend" or wanted to spend?

[@TheGreatWasian_]

@@sierrasmith8722 it is pretty much a need to take out your girl on dates and pay for things occasionally. Get in a relationship and try to flake on the bill every time and see how far it gets you 🤣if it was up to me, I wouldn’t spend as much but tbh it’s just apart of being in a relationship sometimes and I would say it’s generally worth it

[@papiagua]

​@@sierrasmith8722you def do things you don't want to do from time to time to make someone happy or to do something you think the other person would want to do. Compromise, no need to debate semantics

[@agnusdeiquitollispecatamundi]

If you have money to squander, then go for it. But you have children, I'm lucky I ain't married yet.

[@tyler6003]

Best financial advice my Mom gave me "There's food at home" lol

[@tyler6003]

@Howard Burns no one saying that now lol

[@samon_kurowassan]

@Howard Burns Nope, I'm with this guy, you should focus on earning adequate money rather than saving obsessively that you don't go out with friends because you don't want to eat out. If you want to live off coupons rather than improving yourself to earn more then go ahead.

[@tyler6003]

@Howard Burns I just know I could afford to eat out but I would rather save and spend that money elsewhere like investing or big vacations.

[@joeydodson287]

Great advice for someone living with their mom.

[@tyler6003]

@@joeydodson287 ???? Definitely not living with my Mom, not even in the same state. Theres always food at home and you can pick up a spatula and cook for yourself!

[@jeffleonard343]

Order water when you eat out! Drinks and alcohol will wreck your bill.

[@Kamleshbishtcom]

Thats drink out then 😂

[@madthumbs1564]

Yes; bars have great food specials for 'eat in' because they make their money on drinks.

[@alexismisselyn3916]

I don't know where they got their 300% figure on the food, but usually restaurants get the majority of profits from drinks. 4$ cokes, 7$ still water and 25$ wine.

[@ambyjkl]

When friends invite me to eat out, I eat at home for cheap and sip water at the table.

[@MDC21122MWC]

Jeff Leonard no appetizers either!

[@lucylara3566]

My daughter and her boyfriend love cooking meals together while they attended college. She often sent me pics and their meals looked like top dollar plates but not with the high dollar price to eat at restaurants. Her father and I taught her that cooking at home is always tastier, healthier and financially smarter!

[@MrCamel-mb3nd]

Your daughter is smartest in the planet! I bet she already saved millions of dollars and employed hundreds of people. Please never stop sharing what your daughter do in her personal life.

[@mumuzeze]

@@MrCamel-mb3nd who ate your lunch?settle down and eat a sandwich-it’s a comment section you don’t want to read then turn off the app and enjoy your day life is too short to be grumpy

[@oooh19]

Grocery prices are expensive too same with farmers markets small grocers big box stores etc

[@Geniere10]

That’s great but I must say that only in the west is this something to even harp about. In the east, it’s a given it is that natural to most.

[@Wahinies]

It also spoils you because with fresh ingredients, less salt, and less oil the food tastes better. These days the rare occasion I do eat out, I think how I can make it better. The only advantage is not having to procure, store, cook, then clean which I do need sometimes.

[@JeffP00001]

I'd love to see an updated version of this video taking into consideration how much inflation has affected grocery prices.

[@NathanDowdyMedia]

Was just thinking the same thing

[@vengefulspirit99]

How would this change anything? Eating out will always cost more than eating at home. Numbers might change slightly but the ratios will be generally the same.

[@EX-te3zj]

those inflated grocery prices inflate eating out prices too so this doesnt change anything

[@mahttteo]

restaurants do the groceries too, if you pay more for bread they are paying more for bread too

[@jamescrock2213]

80$ at aldis/lidl a week is enough to eat very fancy for a single person a week. hell if i just eat half foot subs for 9 bucks every meal.

[@ryanxwonbin7984]

I'm a waiter at a upscale steakhouse that charges you $42.95 for a ribeye steak with baked potato and some steamed vegetables. After finishing my work I went down the supermarket 2 blocks down and bought the same ribeye for $8.99 on sale, potatoes were 89 cents a lb, and other vegetables also at insane cheap prices. The Merlot we sell for $40 is also $7 here. Yeah, you guys should stay home and cook. Throwing a baked potato in the oven and cooking a steak is brainless and is barely any work. But then I'd be out of a job so continue to spend away your money!

[@warmandfuzzyinside]

tell them.

[@M0rdFustang]

That's why I never eat steaks when I go out, it's cheaper at the market and I can cook it exactly how I like it 😁

[@luisoar1277]

Lol!

[@paolahernandez6733]

You have inspired me to cook a steak dinner.

[@madthumbs1564]

~10 years ago I could get a NY strip steak dinner for $7.50 (+tip) that was cooked perfect! Now I can get one for ~$12. It would not be worth my time, money or energy bill to do it myself. I've similarly found all you can eat crab is cheaper at buffets, or all you can eat clams at some bars (if you work hard and eat like I do). -I'm a professional cook and I say that even professionals most of the time don't do your steak as good as it could be for lack of knowledge. Doing a good Flank, Eye Round, or Tri-Tip takes technique which can include some knife skills. I don't simply throw a potato in the oven; I pressure cook it then air fry (or convection oven) it. The average person sucks at cooking, and I think there's more money to be saved by fixing your own car and home. The more people make; the more they tend to waste.

[@michaellittlewood3032]

Example: " So glad our $10,000 kitchen remodel is finished. Well let's celebrate and go out to dinner."

[@chadkirk2977]

That’s amazing I never thought of that

[@luidgi4429]

Never thought of that

[@renerodriguez6300]

And ur house value don't increase and better yet decreases

[@gregvalunas6342]

OMG! That is SO us! LOL :)

[@UmaisBinSajjad]

Ur average consumer

[@theresemalmberg955]

Heard a guy complain today at the senior center how eating out all the time was just killing him financially. I tasked him why he didn't cook his own meals and he said he never learned how, his mother never taught him. I said my mother really didn't teach me a whole lot and she definitely did not teach me how to make a lot of the things I like to make because we didn't eat that kind of food growing up. What I did was teach myself, first starting out with simple quick things and then getting more complex as my skill level increased. I rarely go out to eat now and when I do, I often find myself thinking, I can do a much better job of making this at home!

[@goon8058]

This is a problem facing a lot of seniors, in particular men. Some of these guys have gone forty to seventy years without grocery shopping or turning on an element on the stove. Due to circumstances such as becoming widowed they are faced with the challenge of learning how to shop, prepare and cook meals for the first time. It's daunting, they are likely cooking for one as well so it becomes an easier choice just to dine out. Just getting them to buy deli meat and bread to make sandwiches or a bowl of cereal in the morning to help offset the cost of eating out should help them.

[@dirtyprancing5930]

It is wild to me how people will blame their parents for things until the moment of their death. Like, you have an excuse I guess, but it doesn't make your day to day life any better than someone who doesn't. At a certain point, you have to grow up

[@nailahdawkins]

@@dirtyprancing5930 THIS! It's like if a person is def middle aged stop relying on what you learned/didn't learn in childhood to get you through. He wasted a ton of decades when he could have been learning how to be self sufficient. There are cookbooks, podcasts, KZbin, and food blogs and him and so many others don't utilize it and the results are pitiful.

[@nailahdawkins]

Why didn't you follow-up with *what* he's doing now about it? That'd dig into how he can be accountable for himself instead of blaming what his mom decades ago never showed him. It's a poor excuse when he's old enough to learn how to figure cooking out, man or not.

[@theresemalmberg955]

@@nailahdawkins Because he's not doing anything about it. He doesn't want to be accountable for himself. Frankly I don't care if he cooks or doesn't cook, it's not my monkey and not my circus. And definitely not my pocketbook!

[@WillieMcX]

This is spot on. Until COVID, I didn't realize how much I was spending eating out. No second thoughts about stopping for a burger or wings, a couple beers after work. Picking up breakfast. Out for lunch for work, etc. COVID changed my habits that stuck after lockdown and getting closer to normal. Had saved thousands a year or so later. Suddenly found myself in the market to buy a house. Could not have pulled together the meager down payment on FHA mortgage had I not head that huge head start.

[@martiniracing930]

This is what happened to me. I even stopped work for a few months at the height of covid and still had more money than pre-covid

[@wolfpackflt670]

I call that COVID silver lining

[@asecmimosas4536]

Good for you. The vast majority of people suffered the opposite during covid. They began ordering delivery, which is the expense of eating out plus delivery fees and tips.

[@DivinityAwakened]

I always thought it was common knowledge that eating out isn't for brokies who own nothing. Good things in life aren't for pooros; get back to work lol

[@tjykhr]

"A bottle of Our Daughter's College Tuition" Dead.🤣

[@TwoCentsPBS]

Lolzzzz. Glad you liked that one. : )

[@manujohn99]

Don't laugh too much.....that would be u soon

[@justSTUMBLEDupon]

LMAO 😂😂😂

[@tjykhr]

@@TwoCentsPBS I'd be surprised if no one else did. My parents are chugging that wine by the gallon this year so the joke really hit home for me. Kudos to you both (plus everyone behind the scenes, of course) and keep going!

[@robertoc.j.5563]

LOL

[@sal_strazzullo]

*Sits down to wait for the meal just ordered* *Receives notification "How eating out keeps you poor!"*

[@TwoCentsPBS]

LOLLLZZZZ

[@chelseashurmantine8153]

Sasino _ bahahahaaha

[@M0rdFustang]

😭😭😭

[@teemomain8268]

ROASTED

[@cutlery9831]

*tugs collar*

[@thelonelyghosts9004]

I’m 36 and single and spent a majority of my early 30s justifying eating out because “it’s too hard to cook for just one person.” But once lockdown came upon us, I started cooking for myself and now I only eat out for special occasions. I’ve saved about $10,000 in 3 years.

[@greg5892]

Yeah but think about the time you were home to do that. Commutes and the rest of our productive lives in this system don’t really allow for that. It’s indeed difficult to cook and/or meal prep as a single working person.

[@weeyum99]

clicked off this video after "an account that pays 7% compound interest" LMAO

[@Innerprize_]

Im 24 now i came out of prison a year ago and like the first week i was out i started watching your videos and you guys taught me a lot. When i got out i didn’t have nothing.. not even my own clothes had to wear some of my brothers clothes. As soon as i got a job i took notes on all your videos and here im a year later doing better than a lot of people i know! Thank you guys I wouldn’t know where I’ll be without you guys ♥️

[@quantamuon]

Keep going! You got this!

[@lucyn2000]

Fantastic!

[@redachraibi5993]

Keep it up brother. That being said, if you don’t know where you’d be without a KZbin channel, I’m worried about you. Everybody knows eating out is a big budget, but it’s something most people enjoy. Keep going out but be smart about your spendings. We only live once

[@CommanderRick]

maybe you can start a channel devoted to helping freshly released inmates on how to survive in the real world, since you've been through it.

[@ShaferHart]

Don't return to crime again bitch #ToughLove

[@mradult6914]

Heres to you guys calling me on my bad habits again like a true friend should 🍻

[@TwoCentsPBS]

Lolz. We got your back!

[@escobyte]

✊🏿

[@Baker.Matthew]

If everyone was financial responsible wouldn’t the country fall into a recession causing many businesses to shut down and create higher unemployment? I guess we are lucky as an economy to have people who are bad with money.

[@LetsProblemSolve]

So true!

[@Baker.Matthew]

brjema1 no?

[@vanessab2392]

When I used to live with my mom, she had her partner living with us. I was really uncomfortable around him. So I mostly kept to myself, locked up in my room, and to eat, I was like I don't care, I prefer to eat out, than be trying to eat, and have him come near me, in the kitchen. Sometimes your mental health will supersede the desire to save money.

[@youyoua988]

That’s literally what adds some joy to my life- going out with friends family and socializing while eating 🍽️

[@Han-D4ror2]

socialize while eating home cooking unless you have enough money to live like that. if you dont, dont complain about expenses though

[@youyoua988]

@@Han-D4ror2 I fortunately make enough to afford it but still think it’s okay for everyone to splurge on that at least every once in a while, in the name of fun

[@jamlpe]

i thought that fork and knife emoji was a skull for a second lol

[@derpmansderpyskin]

I mean, just like any other luxury, if it's worth it to you then you should keep doing it. The purpose of this video is just to make you aware of the cost.

[@ferminespinoza429]

Take turns hosting and cooking for each other. Will still be going out (to their homes when it's their turn) and socializing while eating together all while still saving money. Win Win!

[@TheBskids]

I have so many friends who eat out all the time. These are the same friends who always complain about being broke.

[@Ms.MD7]

Same here and one even had the audacity to tell us we don't have a life because we don't go out often and eat out

[@granitemoss1451]

YUP! Same ones who don't understand why I don't want to go out to eat with them all the time, but I have money for things that come up, both necessities and fun stuff...

[@UmmYeahOk]

Why do you associate yourself with such people?

[@ranevc]

Find friends who are into picnics.

[@madthumbs1564]

It can depend on how you do it. I eat at home because most of my food is coming from food banks or work now. Some places take a loss to get people in to consume other things like drinks. You can save gabs of money by fixing your own car, plumbing, electric.

[@aarondavid9763]

When I was a teen, my older brother in his mid-20s gave me this financial advice: live with mom and dad as long as you can.

[@5ufo]

worst advice ever

[@FreeSpiritMom]

@@5ufo I agree lol

[@bshaw91734]

Lol

[@nakukohee1858]

@@5ufo Why is that? It's shelter and food unless you need to contribute

[@GooseFlerken]

Probably some asian live with their parents until their parents bought second home

[@sayancse]

This video completely changed my life. Ever since it was uploaded I stopped eating. Now I am a millionaire ghost

[@bigfrogzgame]

Most people working a minimum wage job already know not to eat out 3-5 times a week. I wish there was more focus on WHY so many people cant afford to do things that are an "important social and professional aspect of your life" (as they say). I wish there was more content that talked about how we could solve issues like that as a community instead of putting responsibility on broke individuals

[@XXLragequit]

This is a PBS video about how to be better with personal finance. Not everything needs to pay mention or should to other issues or topics. Doing that would be like watching a video on dinosaurs and they spend 20% of the time talking about global warming today. seems unnecessary and might make people click off the video which is the point of the video. Also this video isn't made for broke people the person the used made 75K a year.

[@MoistOwlettes]

The why is easy. Because most of them spend their money on dumb shit they don’t need.

[@derpmansderpyskin]

Eating out _sometimes_ is an important social and professional aspect of life. Eating out 3-5 times a week is not. Nobody is going on 5 dinner dates, or meeting 5 people for lunch, every single week. Most people, even those on minimum wage (especially in states which have raised their minimum wage), can afford to eat out occasionally for dates or for meeting colleagues for lunch. A single $35 expense is not that significant, even for those making minimum wage. It only becomes significant when you do it every day, or almost every day, which is the exact thing they're saying you should avoid.

[@tatskamaster]

It's not an "important social and professional aspect of your life", and the WHY in this instance is them not having the qualifications for a better paying job. They could still achieve a better quality of life by saving though. The responsibility IS all on individuals.. They're not putting it there, because that's where it always was..

[@brb3222]

This comment RULES and needs to be boosted. I stopped eating out as much during the pandemic and saved a lot. Then when artificial inflation hit the markets. I started shopping smarter and focused on decreasing food waste. I got it to where I was saving half to bear to over $100 a month just by watching what I eat and how I eat. I also had more energy and felt happier with myself for making health and economy conscious decisions. That, however, does not solve all of my or anyone else’s financial problems caused by a malicious malignant system. I still have debt that is keeping me from owning a house, people still live paycheck to paycheck, and food and water are still commodities controlled by greedy parasites sucking the life out of the earth like they’re things that must be earned with meaningless currency and not an essential resource that all living beings have a right to. Not to mention there are plenty of stupid, STUPID people that the world being as cold and unfair as it is, is in fact a good thing because “duuuuh well that’s how it’s always been” Change starts at the TOP not the bottom. Change the system that creates the need for people to be frugal enough to eat a little every day in the first place, and you change the world for the better.

[@acasta403]

How to have more money: 1. Spend less money

[@GameFuMaster]

2. make more money There's always a limit on how much you can save.

[@aaronlandry3934]

GameFuMaster Yeah, but most people don’t think/bother to save money when they easily can.

[@GameFuMaster]

@@aaronlandry3934 sure, but people spend way too much time on thinking how they can save that extra $1 when it's easier to just find a casual/part time job so you don't need to be a penny pincher. I'm sure the hours people spend on looking for coupons could easily be spent on furthering their career or creating a side hustle.

[@aaronlandry3934]

GameFuMaster I’m not talking about coupons, I’m talking about needless spending. The Latte Effect adds up really quickly with even minor expenses. Want to save more money, don’t spend it on things that you don’t need

[@Coby1255]

@@GameFuMaster listen to Dave Ramsay some people make 120k+ still broke

[@YouCallThataKnife253]

People who buy their coffee every morning are crazy. Not only is that an absurdly expensive luxury, but you can purchase much higher quality coffee beans for a fraction of what you spend at the coffee shop

[@Dollface98]

You Call That a Knife? I work at a Dunkin’ Donuts and you’d be surprised how many people buy their coffee everyday. A lot of people not only buy their coffee but their breakfast everyday too, sometimes spending up to 15 everyday

[@YouCallThataKnife253]

@@Dollface98 Oh, for sure. I live in the Pacific Northwest, we drink a grip of coffee out here, and I know entirely too many people who buy their coffee, daily (and usually buy some sort of pastry, too!)

[@Will-jg2zs]

@@athail3658 you missed the point of the video lol

[@francoisrd]

You Call That a Knife? Not to mention the garbage disposable cups produce

[@lovetobe6118]

Happy to not drink coffee. Water is enough for me! Definitely save a lot.

[@bullocksbailey732]

Buying groceries now feels like you're eating out with the way store prices and inflation is going.

[@varuntyagi6116]

Damn, I thought that was Ryan Gosling with a fake moustache 😂😂😂

[@martinstoilov7923]

Nothing saves money like being antisocial person.

[@kitty4395]

Honestly a reason why I stop going out with friends too often 😬

[@goyonman9655]

✋✋✋

[@melissajbol5447]

@Thomas Headley I agree but I am constantly wondering if my time and money is really worth it in the end.

[@michaelabercrombie7698]

Not necessarily you just get the food to go.

[@Papeeshka]

Yeah it’s my favorite new thing

[@dungbucket7922]

Why is Ryan Gosling doing budget/finance videos?

[@dineshjain678831]

Economy is slowing down. Another year and you will see depression creeping in. People need to save and become wise.

[@VivKittie32]

Dung Bucket 😂 Right? I did a double take, myself.

[@frieza1484]

he does what he wants, he's Ryan Gosling.

[@filipeverissimo444]

Asked myself the same question

[@alidaraie]

Obviously Ryan Gosling's been eating out too much

[@-SkeldiGirlAnime]

me watching this while I eat the whole refrigerator:

[@bobunitone]

When I decided to loose weight is when I found out I was also saving. I did meal prep for 5 days of the week. Yes it's boring but I felt amazing and those cheat meals were glorious.

[@CrazedTacoEater852]

Ive eaten out less and less over the years, but i still require dates with my husband. Nothing beats someone else making the food when your tired and just want to focus on each other.

[@annagiersz3314]

Of course :) I think they speak about eating out all rhe time? Which only people who afford it do it, let's be honest.

[@EMAN-tx7lp]

This is how I feel when I go to Waffle House

[@boyar1978]

What is even better is cookies all your meals for the week on one day and freeze them in plates that you can simply pop in the oven. Just imagine a medieval Lamb stew made like it was for serfs during the 1300s in Scotland flavored with beer and on a bed of oats. All you need to do is take the metal plate and pop it in your toaster for 10 minutes. I also do that with cookies. I make the dough and roll it up into a log and simply slice the cookies I want as if they were salami and then bake them in my table oven. If i want to make special ones for my girlfriend i shape them into hearts, smear caramel, and then dip them in chocolate

[@drewfeld836]

Also eating out is unhealthy compared to eating at home. You control the ingredients that go into your meals

[@pan2aja]

Covid has teach us the value of eating out 😊

[@josehosev9142]

PRO TIP: Don’t eat, use the sun. Photosynthesis is a good way to save a lot of money.

[@aarondavid9763]

I like this comment. Rational but not.

[@Muchjoy..]

Or become a breatharian lol

[@vkngwmn6636]

intermittent fasting dude w OMAD (one meal a day)

[@tomlxyz]

Go green Literally

[@mightbyson]

I don't have chlorophyll. Can you lend me some?

[@a.9913]

I really thought what was keeping people poor was the cost of health care, low wages, ridiculous cost for education, the price of rent, and the lack of government aid. Really good to know that it was the avocado toasts the entire time.

[@fourquarks]

I can't believe it was the avocado toast this whole time, I can't wait to be not poor with this new knowledge

[@sarrasedkaoui1828]

Omg thank you so much ! I've been searching for this comment !!! I swear it's becoming more and more ridiculous

[@pineappleskin]

By all means, keep overspending on a category that is easy to cut back on and help your budget. The point of this video is that eating out less is one of the things you actually have control over to save money, and as they pointed out it can be a not insignificant amount.

[@robgronotte1]

Every poor person I have ever known wasted every extra penny they got.

[@a.9913]

@robgronotte1 poor people can't afford to invest

[@cheesecake2048]

When it comes to cooking at home vs. eating out, a tip that I learned from a KZbinr named Aliyah Simone is that you should make a budget (weekly, bi-weekly whatever) for home cooked meals *and* eating out combined. You won't always want to cook, and sometimes it's good to treat yourself. Plus, using this method, say your budget is 1000 dollars, you'll either end up spending 1000 dollars on home cooked meals, 1000 dollars on takeout, 500 dollars on each etc., as long as you're staying inside the budget that works for you then you should be good. She mentioned this in one of her more recent grocery shopping vlogs, I recommend you check it out :)

[@Idontknow819918]

Enjoy responsibly. Save while also living once a while.

[@ninawestlake5005]

I agree.

[@TheSunnySideofCoffee]

Yes! 👆

[@ktolwal]

since corona started i have been forced eating at home. i was a habitual outside food eater before this and just loved eating outside food for the variety I had packed on quite some pounds. i knew it was not healthy and i was wasting money. But still i used to eat out/ order But since corona i am eating at home. not only did i lost 10 pounds my skin is also looking fresh for some reason. and of course i saved a lot of money. And i guess even if this corona things ends in next year or so I dont think i will dine out or order in much. In a certain dark way, thanks to the chinese for corona. It has unintentionally helped people , plus everyone is now more focussed on hygiene which is a definite plus. On a last note the chick is really really cute. And i love a women ,who for once talks about saving money😜

[@Donnie-sg2cj]

ktolwal Not really, many people have put on weight from being at home. And her looks are irrelevant.

[@ktolwal]

@@Donnie-sg2cj the statistic supporting your theory maybe miniscule and subjective. one out of thousand "may" have gained weight.

[@theCodyReeder]

Wait. 5 times per week?! Thats more than I thought people did. Shoot I was feeling guilty for eating out 5 times a year!

[@roberttucker1527]

You got no restaurants within 100 miles of your ranch Cody.

[@OmarDelawar]

That a boy! A soldier don’t need no fancy dinners.

[@rebekahmontesdeoca565]

Me too lol

[@Ricardo-bf6zj]

Cody, what are you doing here?

[@alexs1429]

Oh yeah Gf and I eat out 5x per week cause we suck at cooking and are lazy. Def makes a dent but we never eat at pricy places

[@Wuestenwiesel]

My two cents on it: I use delivery services a lot. Portions are that big, that I can eat two times of it. I need to do grocery shopping only for my breakfast. Oats and coffee. No need to prepare food, especially vegetables is a hazzle. No need to do grocery shopping. No need to clean after it. Since I’m not cooking I have less dishes to wash, I don’t need to clean my kitchen that often. Think further if you don’t need a kitchen at all? You could use the room for something else. Could save you thousands of dollars in renting. Also don’t forget in the calculation, when calculating dishes, that the average household produces a lot of food waste. Estimation goes around the same amount they consume. Also when doing grocery shopping you night and up buying unnecessary things like sweets, alcoholic beverages, stuff in general you don’t need. In summary: the time I save because of delivery services is priceless for me as a self employed person due to real opportunity costs. Also you might consider, that because of the fact, that portions are larger and the food waste and unnecessary things you buy in the supermarket, the possible savings are not that much you might think.

[@3lizabethrose]

I love that you emphasize not cutting out restaurants entirely and acknowledge that it’s not the only thing that can squeeze us financially! What a great way to make financial knowledge more accessible! Well done!

[@andmo2020]

Two years ago I started cooking, I lost almost 40 lbs, doing the math I realise that I've have saved over $5000 Per year.

[@sambeezy007]

Have the amount to pay cash on a very good newish car

[@hiteshadhikari]

@@sambeezy007 this is the issue, saving money to just spend money without knowing the need

[@sambeezy007]

@@hiteshadhikari I agree. People (also myself) can at times waste money just because we have extra in the pocket. I learned how to save by first thinking of the worth of the item and how often I'll use it.

[@f.s.8443]

Life hack : DON'T go grocery shopping when you're really hungry.

[@TehhLeviathan]

This is dumb considering you’ll buy less food and have to go sooner the next time

[@f.s.8443]

@@TehhLeviathan actually, you're dumb. You buy more calorie rich foods when you're hungry and are prone to do impulse shopping rather than getting the things you need.

[@vannevers]

Leviathan If you go with a list, youre likely to get all you need- hungry or no. (Hack #2)

[@TehhLeviathan]

F. Prieto Mindless sheep. I couldn’t imagine letting subconscious eating desires take control of me in a supermarket, rather than simply making a list.

[@TehhLeviathan]

Yet you continue projecting to others in the comment section of youtube videos.

[@Katasztrosz]

Dont't forget how much fun it can be to invite some friends for a meal. Cook for them and enjoy it together is an amazing activity. + Cooking together is also a great way to eat, have fun and learn to cook better. :) In your home or as a picnic.... all goes great! Dear Two Cents! First video i saw from you. Loved it! Carry on! This content is very much needed for a lot of people. Hugs! Another Cheapie

[@Boomdizzle99]

Thank you for this info. No wonder I stopped going out to eat. Only time I ever do it is when im on vacation, or when im away from home for a really late errand which isnt very often. Ive always preferred home cooked meals anyways

[@user-qm9wd3pg1t]

One of the benefits of COVID19 is discovering that we don't need restaurants for survival, i'll probably stay away from them even after the pandemic.

[@orvvro]

Solid plan. COVID also brings its benefits

[@ManishMishra-mv5fp]

Absolutely. Over 78% of the middle-class homemaking or working women in Indian urban centers have not recalled their maids back after the initial opening up. We all (including guys) realised how much we can save by cutting on giving away easy money by DIYs on regular chores. Legend has it that probably that's what the working class throughout the world felt n realised with the lockdown

[@costin_ilie]

Yeah, same stuff with barbers for me, i discover that cutting my own hair can be a fun ecperience and also helps me save money and time.

[@bukchoiii]

Cooking at home costs me $3 cad per meal. I used to work as a cook so I already make restaurant foods lol.

[@costcofuel3996]

La Fam can relate lol

[@kunjpatel9800]

My takeawy from this video is to start a restaurant

[@VolcanoEarth]

Oooooh no. I hear the best way to make a small fortune in the restaurant biz is to begin with a LARGE fortune. :D

[@lestranged]

Even with meal prices of 3x the ingredients price, restaurants still have a very slim profit margin.

[@John3.36]

Or Quit drinking alcohol....

[@drinklish2963]

@@lestranged Interesting. Any idea why that is?

[@lestranged]

@@drinklish2963 Overhead, labor, many factors.

[@gyrsriddle]

I stopped eating out years ago when I got a job in social services. My clients, that had jobs, all worked in food service. I’ve been to their homes and don’t want them anywhere near my food.

[@EthanDurant]

My parents must have taught me well because I always thought this was a no brainer. Once I started noticing this, it's crazy how much money my co workers spend on takeout throughout the week. And I only see them for one meal a day!

[@Alexveliz0898]

“65k enough for a downpayment on a house” *** laughs in NYC ***

[@cannedpeachez1]

Alex Veliz I’m in San Francisco scratching my MF head...

[@matthewhoover6154]

in most of middle US away from big cities you can find a house for 65k. It won't be anything special but it'll be a house.

[@fbyi2940]

@@matthewhoover6154 and neighbor matters

[@swm78]

I’m in Gainesville Florida, $65,000 will be a very good down payment on a very nice house that would cost $200,000 to $250,000! But it would not be good in New York City as my brother bought an 2400 SF apartment for 5 million. Location, location, location!

[@hankhafliger482]

The NYC and San Fransisco are not America.

[@aariksubram1934]

You hit the nail right on the head. Could you possibly do a video about the Compound interest accounts you mentioned?

[@RiomaWF]

i am also interested

[@ShivaharikumarB]

401K in USA PF in India

[@estevantalavera5744]

That's what I want to know about too!

[@TwoCentsPBS]

For sure! -- Whenever we “run the numbers” we are forced to make some assumptions. We base those assumptions on industry-standard practices. In this case, our 7% choice was based on the long-term historical returns of bond and stock markets. For example, VBMFX ( Vanguard total bond market fund) and VTSMX (Vanguard total stock market index fund). Since the bond fund’s inception in 1986 it’s averaged a 5.82% annual return. Since the stock fund’s inception in 1992, it’s averaged 9.44%. -- Two Cents viewers are primarily age 20-30. And we think it’s appropriate to assume that if millennials invest for the long-term, they can expect a long-term return somewhere in the middle! Hence the 7% number. -- We also think it’s important to point out that our "Dining Out" video isn’t about investing. Even if you NEVER invested a penny of the money you saved from dining out less, you’re STILL ahead! The point wasn’t that you have to invest that money. It’s about the power that can come with relatively small changes in behavior that compound over time. The societal pull to eat out all the time is really powerful, but we’ve found it can be easier to fight when you’re focused on a specific outcome that you’re trying to get as a result of pursuing behavior change.

[@aariksubram1934]

@@TwoCentsPBS Thank you for the reply. I understand that this video wasn't about investing, it was about saving money from non-essential expenditure that is just part of our culture. And it is great that you put that on the spotlight. I had been following your videos on investing and I was just curious as to what this compound interest account was. I understand that you were talking about Mutual funds. Thank you, that was very helpful. Cheers you both. Please keep doing what you are doing, you are making a difference. :)

[@rhodie9338]

"Grocery prices are holding stead or even falling" Bastard CEOs: Hold my beer!

[@andrethegiant2877]

I think of almost all expenses like this. Never buy coffee, buy k-cups in bulk, now coffee costs $0.30 a cup, i drink 1 or 2. NEVER buy water, my fridge has a filter, water now free. Breakfast is the easiest one, bacon & Eggs at Perkins would cost me $20, making bacon & eggs for the whole fam costs maybe $4. Pack a lunch, a few bucks at most or eat leftovers. Dinner, buy meat AND vegetables in bulk at Costco, steak $10 lb, chicken $3 lb, separate it and freeze it, day before you want to make it throw it in the fridge. Alcohol, Costco, $13 bottle of vodka (handle), $15 box wine (4 bottles worth), 36 pack of Coors Light $28. At the end of the year i'm saving in the 5 figure range.

[@DojKim]

They say "you could die tomorrow and you wont take the money with you" but the problem is you didnt die and you are broke. Live in moderation, enjoy life ❤️

[@de3182]

That's always been our policy. We are comfortable and have a lot of savings and college funds for our 3 kids.

[@elgatomoscato230]

THANK YOU!!!!! I really thought I was the only one saying this

[@hsp6798]

lol. It amazes me how they have this yolo mindset. Even if you died with a bunch of money, you are better dying with more money than dying broke.

[@Canadian_Networth]

Yup. The people that say that I just think are total idiots now. Before they had a point but as we age it’s a cop out answer to not put in the work and get serious on financial independence

[@nothing.lasts.forever]

That's the thing

[@TitusAdrx]

Lol annual income of 76K...(cries in low 40K annually).

[@Roll587]

Cries in graduate student stipend.

[@sal_strazzullo]

14K Edit: actually about 15.5K, EUR. In USD it's about 17K

[@blindey]

Cries in disability. (11900)

[@lamatfoschini1891]

Cries in High school week end €400/mont job + €250/month of Pocket Money and having to invest €500 a month (i still live with parents)

[@blindey]

@@lamatfoschini1891 At least you're saving on housing costs and maybe food? Take advantage and start saving and investing if you can.

[@dashdash_peacecampaign]

The problem for me is that I eat a lot. So sometimes if I’m leaving directly from home to a restaurant is to “pre game”. It means eating some food at home, so I feel the desire to order a larger sized meal when I’m at the restaurant. I have also started eating my favorite NY steak from Costco at home

[@gustavobaptista7235]

Great video! I would also recommend to those who are too busy to cook, to invest in equipment that can do the cooking for you without much effort in your part. Rice makers and slow cookers are some examples but there are others to look for as well.

[@lmoore1834]

I like to challenge myself to eat everything in my fridge and freezer before I shop again. Its kind of fun! If I don't eat it then I don't buy it again!

[@garcalej]

Ah yes. The Shackleton Diet. Good way to end up with a fridge full of condiments.

[@TheEverythingAcademy]

I do this. I spend about $27 a week but meal time is not as exciting 😂

[@d.leighannbatemon3192]

@@garcalej my dad always brags about his meal of sauerkraut with ketchup because that was all he had in house apartment at the time and was too frugal to go to the store. Needless to say, it wasn't good, but he said he didn't feel like eating any more afterwards, so he saved even more money.

[@garcalej]

@@d.leighannbatemon3192 Did he turn into a giant bratwurst?

[@twofarts8815]

I do the same thing! Helps so much

[@dorobokino]

"You shouldn't accept any large, regular expense without asking yourself 3 fundamental questions: 1. How much am I spending on this? 2. What do I get out of it? 3. Can I get the same benefit for less money?" Hands down, best financial advice ever.

[@ms6760]

Agreed. 👍

[@user-og9nl5mt1b]

With these questions, dating a women seems like a bad decision

[@hopeyouhaveagreatday8535]

@@user-og9nl5mt1b there're lots of cute dates' spots in nature!! walks, picnics or activities like painting or singing/dancing together are awesome too and still free

[@xenonsan3110]

@@user-og9nl5mt1b I mean it's going great for me, Idk who you've been dating but my girlfriend understands when I say I can only afford to go out once a week

[@pachirsiis]

@@hopeyouhaveagreatday8535 I'm going to make sure to do these things once I get someone to do it with me, because I used to go to parks and wall all alone and got so depressed.

[@mrsnulch]

It's funny, I have the opposite problem. I rarely dine out but I LOVE cooking it's one of my favorite hobbies, so I'll end up going to snazzy grocery stores and buying all these herbs and spices and fine meats and cheeses and stuff, and end up somehow spending an "eating out" level of money just on my grocery bill. I also drink wine, which slams my funds. Lately I've been learning to cook beautiful meals using cheaper ingredients such as tofu, pasta, noodles and lentils. But when I go out, it's rare and I'll spend whatever I want.

[@jakeythecrow9969]

I was told today about a guy I worked with woke up blind because of a burst blood vessel. You never know what’s round the corner and you should enjoy and be grateful for today ☀️ do the things you love most.

[@Nick-mc2hy]

This was a HUGE expensive for my wife and I. Then we started saving for a down payment and to start a fam. Things we did: -Take out from favorite restaurants (no tip, no alcohol cost, no tempting apps or desserts) -Cooked together to try and replicate where we wanted to go. (I’ll never forget how fun trying to make pho for the first time was) -We did a “Drunk Spaghetti Night” every Friday. I’d pick up a different cheap bottle of wine >$7 on the way home from work and she’d get the $1 box of pasta cooking and put on Dean Martin or Sinatra. 🍝🍷 -my wife loves desserts. Baked items from the grocery store are very delicious and cheap. All together that probably saved us thousands in just over a year. Look at your bank statement and calculate your dining out costs, you might be as surprised as we were. Great video and tips two cents! [Edit: In my state hosting is not a tipped or service position. If your host is working for tips please tip ‘em]

[@sal_strazzullo]

Amazing

[@joshbarker1669]

Not tipping is kind of a dick move. That's the serving staff's livelihood.

[@Nick-mc2hy]

Josh Jacobs Take out/Pick up whatever you may call it. I always tip when I eat somewhere.

[@XDflamesoffury]

@@joshbarker1669 If you take out theres basically no service to tip

[@bandit816]

XDflamesoffury tip like 5% the take out guy still makes less than minimum wage since it’s technically a tipped position, it’s less work than waiting a table but it still take effort to gather your order, make sure it’s correct(harder than you think) and get it to you Source: did take out, currently a waiter

[@sminthian]

The average person eats out 5 times a week?? I eat out like 5 times a year...

[@1921babiflo]

same lol

[@MajoriaTV]

Just curious, what do you typically eat in a day

[@chaturamuthukumarana1809]

That's a bit sad.

[@3vvvvv3]

So you’re not an average person.

[@MickeyCastro]

You must have a lot of money saved!

[@sauce8277]

I took this seriously. On my first year of a job making 32k a year coming from nothing, I saved and bought and paid off a $11,000 car in 7 months. A year later just bought a second (reliable)luxury car now that the market is down on the model and I’m not looking to buy a home. It’s ‘life changing for many and you won’t regret it. Don’t start cooking complex stuff. Buy a instant pot. Stay with low ingredients, throw it in and cook many meals for the whole week in just a hour.

[@naimedwards1422]

Probably the most useful and practical video I’ve watched this year!

[@mjcortez2460]

I am 34 years old. Having been frugal eversince, I was able to pay for two houses, and have some stock investments. I have no debt and able to pay for my Master degree. I lived in a small rusty apartment, like ghetto apartment. I didn't travel only for few ocassion where I need to travel abroad for my sister's wedding. Since I didn't own a car, I never learned how to drive. Now, I had enough, but not enough for retirement, I felt I missed opportunities. Before, I thought saving is good because after spending, everything will just be in the past, nothing but memories, nothing tangible. So why spend? But then I realized that those years is life, how did I spend those years? What kind of experiences did I have? It's a different perspective.

[@ampa4989]

MJ Cortez It depends on the kind of person you are. I have a bit of money. But I don't get much pleasure out of traveling (done lots of it and it's just tiring), eating out (used to in my twenties but now it's just a giant bother, though it's convenient), going to bars and other sensory experiences. I live in a nice apartment. And that's my only high expense other than traveling back to the US once a year during summer. There are a couple places I remember with fondness from my travels. But I don't really cherish most of them. My pleasures are from spending time with my children (they hate traveling, too), reading, exercising and taking care of myself and seeing just a couple of very good friends who visit me once or twice a year. I cook for them when they visit or we occasionally eat out. Sometimes people say you can't take it with you. But, to me, money isn't a source for entertainment or sensation-seeking. It's just there so I have security. You never know what rude awakening might wait around the corner in life. And to have a little fun now and then for socializing without worrying. It wouldn't be a waste for me to never have spent it during my life.

[@mjcortez2460]

@Luís Filipe Andrade this is exactly what my sister said, the worth of money is only realized when we use it.

[@mjcortez2460]

@@ampa4989 My mistake was the mindset of frugality early on. Looking back, I considered being not bold enough to pursue money to raise my living standards... I settled for frugality, and frugality only took me so far. My professor once observed, why are women with expensive bags at my class the more successful financially? Maybe because they set those standards for themselves and have to devise ways to achieve those standards. I've convinced myself to about not really needing to travel and eating out, but those expensive activities also have value. The spending and the frugal mind will have different perspective.

[@ampa4989]

@MJ Cortez I understand your disappointment. But believe me, most people can't make money just by being bold. And, certainly, nearly none of the women with expensive bags are financially set. I really think your professor knows nothing about what he was speaking. Most millionaires lead very, very frugal lives. I've known many and you would never believe some of them to be as wealthy as they are, many times millionaires over. They are nearly all savers. They still pinch nickels, if not always pennies. Spenders are almost never millionaires. These millionaires earned a great deal. But I've also known small time millionaires who just saved, saved and saved some more. They have plenty for travel and experiences if that's what they wish. I hope you'll get there, too, someday.

[@littlefoot-od9xj]

Come on youre 34 you talking like you are 80. Go out now. Anything you could have done in your 20s you can still do now

[@Nite_coder]

Things are even worse now, I can turn an already expensive $10 fast food meal into $20 by ordering it on my phone and having it delivered via doordash Uber eats etc, save your money people!

[@blackbutterfly233ify]

Ubereats is MY DEVIL. Over two hundred last month

[@Interloper322]

@@blackbutterfly233ify Lol mines close, $184 last month 🥲

[@stanbalo]

Deliver fee is that high???

[@OG_ALviK]

Meanwhile in italy; you spend almost the same money in restaurants than cooking it yourself. Or at the very least, in some restaurants.

[@keenannelson-barer307]

I ordered 500 meals last month at 35 bucks each thats $17500

[@alejandrombc]

The fake Ryan Gosling doesn’t exist. The fake Ryan Gosling:

[@giorgibakradze8734]

This is a great channel! Your videos are of high quality content with very useful observations and also fun to watch. Thank you!

[@kiwi-mf2do]

Planning a cafe date with girlfriend. Notification: how eating out keeps you poor. ...

[@beanzbeanz]

There are greater benefits than nutrition being derived here no doubt...

[@MastaSmack]

Oh, I thought some sort of financial curse gets brought down on you by God if you eat your girlfriend out...

[@beanzbeanz]

@@MastaSmack That might be my problem.

[@franciscopartida4167]

I hope your comment was a dirty pun. Because I'm so here for those!

[@monkiram]

Hey don't be one of those people that never does anything fun to avoid spending money! They're talking about people who eat out regularly. A cafe date every once in a while is called enjoying life :)

[@bigcpimpdaddy7217]

All this keeps you poor: 1. Depreciating car 2. Eating out 3. Buying trendy cloths that goes out of style quick 4.going to the movies often and buying all the bs. (Big family) 5. Vacations that are commercialize. Be a traveler not a tourist

[@sarcasticnerd2726]

Like when you don’t do any of this and you are still broke 💀

[@anonymousamerican8831]

You forgot lottery tickets

[@dragonchr15]

What do millenials and zoomers do when they come into some money? Lease or finance a high end luxury car and blow the rest on eating out.

[@anonymousamerican8831]

@@dragonchr15 ding, ding, ding you nailed it

[@anonymousamerican8831]

@@dragonchr15 everyone would rather have the illusion of being wealthy than to actually be it. True wealth is not owing anybody anything.

[@rossawilson01]

Couldn't believe how often a lot of people ate out in the US when we lived there, to be fair back in the UK I still can't believe how much people get takeaway. We tried one of those home meal kit subscriptions and are still on it six years later. It's better for the environment and cutting food waste but you realise how easy it is to eat well and tasty meals at home. One unexpected benefit was realising eating out and takeaway wasn't as good as the metal kits most of the time.

[@anbay3213]

Stopping in to say that meal prepping has literally saved my life with how much money it has saved me; and it is much healthier than eating out(without trying!) and it is so delicious that I have not even once regretted my decision. Starbucks-goers, and other coffee shops, hear me out. Coffee is amazing and new studies show it is very good for the typical person..but so is tea. If you ever wander over to the tea isle in the grocery store you will see all kinds of benefits like better blood pressure, help with digestion, clear focus, etc. I suggest you take a look and pick out a box you think will help you out a bit. Going to Starbucks used to be a mental/emotional foothold for me that I needed to keep hold of when the rest of my life was terrible, so I started buying boxes of tea at the grocer and getting free cups of hot water for brewing at the coffee shops. I still looked like I was getting daily Starbucks while spending only about $1/week on my new low blood pressure tea beverages.

[@nanitaylor8073]

I eat before i go to restaurants, and order dessert while I’m there. Dessert is usually under 10 bucks so I get the social interaction and I don’t blow my budget!

[@deathnote8233]

Oh wow never thought of that

[@aprilo4447]

Yes! When I've been on a budget I usually have a cup of coffee and a desert or simply a cup of soup. Still get to go out with friends but I usually spend under five dollars on food and just make sure I tip well.

[@aprilo4447]

@@becomingdauntless8821 I don't do it for like special occasions or things, just the daily, "Hey we're getting a burger before we go to the event, want to come" kind of stuff. No one has ever cared or even blinked.

[@valentinalicci4655]

@@becomingdauntless8821 if they are friends they should react as friends meaning accepting you are in a budget. I sometimes have the same issue. Eating out is not fun for me and I always prefer to eat at home. But I still want to see my friends! If me only having a small portion upset them, they can pay for me. Or simply shut up exactly as I don't go trought what they are ordering.

[@burvjuzizlis22]

@@aprilo4447 as noone should. :) that's very smart of you. Thank you for "life hack" 😅

[@abhibhattacharya1582]

I didn’t know that Ryan Gosling could pull off brunette, with a mustache on the side, along with financial advice!

[@KeithR2002]

I was wondering why no one was mentioning the ryan Gosling look alike

[@missingbmore]

I actually had to read the comments to see that this was not Ryan gosling

[@olgagorshkalova5694]

😂😂 omg i see it

[@sunnykel7573]

Haha

[@rosexavier7883]

You can also think this way; if none of us when out to eat or drinking we would screw up the economy. All bars and restaurants would close down. In addition, it's part of having fun and socialize with friends. life is not just about saving. We want to live!!!!

[@DrasticMessurez817]

We all have different days that we go out. No one is on the exact same schedule.

[@TVHouseHistorian]

I just discovered I can find amazing gourmet recipes right here on KZbin. The food that comes out of my kitchen now is not only cheaper, but far more nutritious, flavorful and enjoyable - so much so that eating out is nowhere near as appealing as it used to be. And that’s not even mentioning the fact that I find cooking immensely enjoyable. I do eat out every now and again, but it’s only to meet friends for breakfast or something like that.

[@UnorthodoxlyEsthetic]

the guy looks like a cheaper version of Ryan Gosling with a weird mustache

[@zaidshaikh9619]

Was searching u

[@DJVARAO]

A poor version, you mean.

[@JNeil1975]

His mustache is cute!!

[@Obie1sand2s]

She saved money on the husband by getting a cheaper version of Ryan gosling...but with the same psychological benefit

[@DJVARAO]

@@Obie1sand2s hahaha since when women spend money on guys?

[@1gr8chef123]

Much like everything else in life MODERATION is the key!!!!!!!

[@emanym]

And overthrowing the billionaires who are hoarding all the money.

[@walkingtofi]

I love the effort put in the cinematic experience. Well done. Thank you

[@sheikhmahmud7647]

Not gonna lie, the guy looks like Ryan Gosling lol. Tell me I ain’t hallucinating

[@varant7670]

i dont eat out and im still poor :)

[@kinga6347]

Incoming "I feel personally attacked" comments

[@kendomyers]

Ur doin it rong m8

[@sal_strazzullo]

Try reading "The richest man in Babylon" I am still not wealthy, but I'm improving

[@manujohn99]

You are poor because you still eat in your house

[@varant7670]

king A you were right ... these idiots don't understand sarcasm

[@andrewweiss2121]

Who spends 35 dollars per person out to eat? That's like 200 chicken nuggets from BK

[@chris-andrebrissett5208]

Omfg😂😂😂

[@ratgrandma6540]

andrew wise exactly you can spend just as much eating at home compared to fast food

[@dave1805]

@@ratgrandma6540 If you only get enough food to fill you up it will cost less than fast food, provided you pick the foods wisely

[@Valentin-oc5nh]

Andrew Weiss if you do meal-prep you can eat healthy and for probably like 3$ a meal ...

[@Valentin-oc5nh]

Andrew Weiss or even less tbh

[@mlong9475]

That depends on where you go. My mom would go to Burger King routinely about once a week when she retired and use their coupons to get a $4 Whopper Jr Meal which included a Whopper Jr, Fries and a Drink. She would say that was a good deal cuz if you were to buy them at a super market it would cost a lot more than $4. She would always say you would need to buy ground beef which is always more than $1 lbs and not to mention, bun for the burgar, the veggies in the burger, ie tomato, lettuce, onions and then potato for the fries and a soda. Though if I did buy the ingredients for a this meal I wonder how much would it be and how many more exact meals could I make? Personally when I go out and eat it's usually at Wendy's where you can get their cheap combo which is around $4 - $6. Burgar, Fries, Nuggets and a Drink.

[@brownladKR]

It's not about expenses. It's having a nice time with buddies & a good much needed escape from work life. Change my mind!

[@tvanantwerp]

My local grocery store is a Whole Foods, so my food will bankrupt me regardless.

[@utamu777]

Still cheaper than eating out

[@svetlanikolova7673]

Tom,do you have a house? learn to grow your own food . Or at least some of it.

[@ellebresych5282]

Is there other grocery shops

[@aaronlandry3934]

Find a different grocery store. Whole Foods is overpriced hippie food.

[@Carolll9]

Since Amazon took over prices have decreased at Whole Foods. My regular grocery store Publix is more expensive in many ways. We eat most of our meals at home and only go out for pizza, pastries or dessert every once in a while. Everything else I feel we make better at home.

[@idontknowthiscommentoww4303]

Eating out 5 times a week, laughs and cries in broke college student.

[@KillerDeadXero]

The government propaganda on school

[@its.albert.510]

So...don't?

[@NatashaEstrada]

Yeah but eventually you get out of college and get a job. Then you start making yourself broke again by eating out because being broke is all you know. Trust me on this one.

[@jacobg8640]

I've eaten out probably twice in college and I'm a Senior now. The food might suck, but if I have to pay over $2,000 for a mandatory unlimited meal plan, you bet your ass I'm gonna use it.

[@OG_HakunaMatata]

I spent $110 and only got 10 items, 3 laundry essentials and the rest was barely enough food for the week lol.

[@maxwellhouse750]

We stopped eating out and actually tried Hello Fresh. A little more expensive than a grocery store but definitely cheaper than even most fast food. I got bored of buying all the same things week after week at the grocery store and I did a lot of junk food impulse buys. I’m sure I will tire of Hello Fresh at some point, but it has opened up my eyes to alternatives.

[@DemureSpectabilis]

When I treat myself to a meal out, I try to order entrees that will give me some sort of useful leftovers (even if the leftovers are just fries). I look at meals eaten outside my home through the lens of “cost per use”. If the $12 pasta meal can be eaten from twice, that’s $6/serving, which is much closer to the “at home” meal price. I’m also not one to leave a half-eaten meal for the trash. If I’ve already paid for it, why would I waste it?

[@garlicgirl3149]

Agreed!!!

[@brittanynichol1111]

My thoughts exactly. Leftover food you don't take home will just go in the garbage. Ergo, you just threw money away.

[@katieweiher]

Same.

[@dallasgombash5381]

Pasta is a lot cheaper than $6/serving...

[@gr86er]

I do this even at Chipotle. I can eat the whole bowl and be way too full or eat half and have lunch for the next day. That makes it even cheaper than crappier fast food.

[@MichaelOldAccount19]

"Poor" "75k a year"

[@wellesradio]

Michael Holey Sadly yes. Cost of living is expensive and packing up and moving somewhere cheaper without savings or solid job prospects is difficult.

[@Savannah_Simpson]

Mr. W I don’t care where your living 75K a year isn’t poor.

[@wellesradio]

Savannah Simpson Value is a thing that exists. Remember inflation? If I live in a country where the unit of currency is valueless, making tons of it keeps me in the poor house. If a couple makes $75k a year with two kids , but it barely pays the rent and expenses with little to nothing left over for savings, then yes, that is too little. $4,000 a month for a 2-bedroom apartment. Is that destitute? Hardly. But it isn’t going to lead to a down payment on a house in the next couple of decades. It’s not going to cover medical expenses in case of a major emergency. It’s not going to save up for a college fund. It’s not going to provide for retirement.

[@hopeharris7389]

Ya I don't make anywhere near $75K 🥺🥺

[@TheArnoldification]

@@Savannah_Simpson Living in the bay area making 75k/yr would probably classify you as homeless lol

[@CafeSora]

meanwhile i run out of food stamps half way through the month and still spend nearly half my income on groceries every month because while people love to say “it’s only $2 a serving, it’s only $6 a serving” in reality i still need to pay the initial $30-60 to get the ingredients to make the dishes, i don’t get to pay $4 at the store and magically get the dish at home, i have to invest a lot of money up front and hope i can really make the most of it and stretch those meals for me and my family :( eating out is expensive, yeah, but tbh the grocery bill has always been one of the highest cost in my life next to gas and rent

[@Uneclipsed]

“Eating out keeps you poor” 😂 I literally do not have enough money to eat out more than once a month anyway so I don’t. I’m still poor, so what now?

Wait , $75k after taxes? That’s way over the average salary, isn’t it?

[@nichitagodonoaga196]

It is, so it eating out for you is a even bigger dent in the wallet than for the imaginary example in the video.

[@alex_roivas333]

@@nichitagodonoaga196 yeah, no one eats out that often, moron.

[@Gee-xb7rt]

@@alex_roivas333 rich people do, the 10% eat out all the time and they aren't poor, its more shaming of the poor by the 10%.

[@agoniaXdunya]

Espurr Fitzroy I do.

[@chelseaalthouse3908]

Yes.

[@youbloodybloodworktimejasper]

When I eat out, I calculate how many more hours I need to stay at work to cover the cost of eating out.

[@cocobrowny]

That’s great! I do similar. I had to take 2 Ubers this week to save me from being late for work. I put myself forward for overtime to make up for that unexpected expense. I also work our what I have to cut back on in order to have nice things. If I want (read NEED) a new pair of jeans trainers then I have to reduce my grocery budget for the month, or take buses to work instead of the train, or freeze/cancel my gym membership etc etc

[@Snowshowslow]

That wouldn't work for me - I don't really mind my job and I love eating out. But I save lots of money by just putting most of the money in my savings account at the start of the month.

[@cocobrowny]

@@Snowshowslow well, that sounds like you have the disposable income to be able to do the things you want to do (or your savings won’t be negatively affected by occasional withdrawals for ‘nice’ things). This is great and I’m genuinely happy for you. I was in the same position when I was in a higher-paying job. But those who have to cut corners and budget carefully and do overtime etc to fund our ‘nice’ things are usually on a lower income, OR our essential outgoings (rent, bills, travel...) eat up the majority of our wage, thus having to go to the lengths that OP and myself go to, to have a nice meal or something else that many would take for granted

[@cocobrowny]

@@Snowshowslow Hahah, neither was I and sorry if I came across snappy, as that wasn’t my intention. The pandemic has thwarted my attempts to get a better job, but I am still applying whenever I can. But yes, we both understand where one another is coming from that’s the main thing. Hopefully the day will come when you, me and OP can afford to eat out as many times a week as we like without even having to look at our bank balance! ❤️

[@Snowshowslow]

@@cocobrowny I'll drink to that, cheers! (Tea in this case, as it's morning here, but still ;-))

[@jovancampbell7]

I'm an OCD money saver and this is something I always tell me friends. Stop eating out! If you just track your spending for a month, you'll see how out of hand it can get.

[@JSRMedia]

6:27 I gave up on ice cream shops altogether. At least in Los Angeles, you can't find a scoop that costs less than half the price of an organic pint of local ice cream.

[@_Anna_Nass_]

My problem is my average meal cooked at home with ingredients from the store is usually like $20 a person because I always wanna make the most extravagant shit on earth after watching Masterchef all day.

[@hirrorstories]

I'm no expert, but try treating your masterchef inspired food like eating out and do it only biweekly for one meal or so. The rest of the time eat plain, food and in small portions. 1 stone 2 birds if you have weight to lose

[@d.leighannbatemon3192]

At least it sounds like you know how to cook. My mom used to always say if I know how to read, I can read a recipe, but there is more to cooking than following a recipe, and it's beyond stressful. I've burned many a dish and ruined many a meal, and then we end up with pizza or takeout

[@Richard_Garza_]

Yup, your problem. But at least you can cook man, kudos to you.

[@shersockholmes6261]

@@d.leighannbatemon3192 my mom was reluctant to teach me cooking and saying I should just focus 12 hrs on studying since 8th grade. Which is just dumb , not everyone has that kind of motivation and people do need breaks. I wiggled my way in kitchen sometimes and wrote down exact recipes and asked a lot of questions. Far from knowing everything but safe to say I can cook when I ll go to college in a few months.

[@bailinhuang]

It'd cost 60 if you were to get it outside

[@willt.9654]

Oh THAT kind of eating out. Whew, then I’m good.

[@akashchoudhary8162]

😂😂😂

[@katelala23]

hahhaahahhaha

[@Justin-TimeForDaShitz]

😂😂😂😂

[@iirekm]

For some people it's true, but for most people what makes them poor is housing costs, either rent or mortgage cost. After paying that, many people don't have much left.

[@shaneross7428]

I just found your channel.... brilliant. I love you both. Your my new information channel. Thank you