Why EVERYTHING Changes After Your First $10k

[@AccordingtoNicole]

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[@jayocean4724]

10k is that first milestone when you realize your not struggling anymore 🎉

[@Pelemorra]

I finally hit 12 months emergency savings and am now aiming for 18 months. I was saving 32% of my income but I just got a promotion and am now saving 58%!!! That is HUGE and is the biggest sigh of relief. I've decreased my spending, canceled subscriptions, do fun no spend adventures like trying to survive with only the food that's currently in the home for x amount of time. It's fun to challenge myself like that, and other ways, because it reminds me how strong I am and that *I* am in control, nobody else 🥰

[@chaoticallysay2625]

Congratulations @Erin1220

[@Teresa-o3i]

The food thing, I did that recently because I kept putting off stopping at the grocery store, amazing the GOOD food I used up. I need to do it again.

[@KoWe_Travels]

Congratulations! :) Since you seem to be in a stable job situation, I'd consider not going beyond 12 months of emergency savings and instead starting to put extra money into a long-term low-risk investment such as an index fund (if possible in a tax-free retirement investment, if your country of residence is offering that option).

[@Pelemorra]

@KoWe_Travels Thanks for the recommendation! I already invest through a Simple IRA, Roth IRA, and brokerage account. I'm adding to my HYSA for a home and student loan payoff so it's needed more immediate

[@kamsavesmoney]

I do this 2 weeks before going on holiday, will then switch my fridge freezer off as usually completely empty

[@Bunsense_Gaming]

You're right about getting back to 10k. I had 10k, then had a medical emergency, and now, a few months later, I am back over 10k. It's the learned discipline that's so important

[@boomergames8094]

I found that $10k was a HUGE change, but every time I got to $10k, I had to spend $2-10k for something. $20k was the real improvement and the point where these things were all problems that can be fixed with money. At $50k and more, a whole new world of issues suddenly become problems that can be solved with money.

[@IzzyOnTheMove]

I paid $260 to see Leonard Cohen in 2012, I was in the 4th row. Best money spent in my life❤

[@thetetons744]

Knocked up or knocked out is such a great tagline

[@stirredwhiskey]

I've reached 10k in liquid USD last year. Since then, my net worth reached 40k. Unless an emergency happens, I expect to reach 50k by the end of this year. ☺️

[@looneyyang1326]

I finally saved up $50,700. Wish I started saving seriously when I was a younger.

[@mnraiders8546]

Same here, I just started doing automatic deposit to HYS and it's working for me but wished I did it years ago

[@modikiramaisa4619]

Wow that's incredible especially because I'm in south africa congratulations

[@M1999-v4v]

Did you really save that much? Because a lot of content creators can say anything especially people who drop comments in the comments. All these content creators are lying so just keep that in mind. I know that black woman Rose Miller who has that KZbin channel called king of queens is a dark skin black woman who is married to a fat white man and she has 5 boys and no girls. She was making it look like that white man was taking care of her when she accidentally got drunk and said she was taking care of him. Content creators can say anything.

[@seltzermint5]

I say better late than never. At 25, I knew people who had already saved up a lot of money and had retirement accounts. I thought I was already too far behind. In my 30s I slowly and steadily got on track and now 47 and doing great...it's never too late. Even my mom, she was pretty much completely broke at 59 but has enough saved at 74 to feel financially freer than most of her average peers who were not "rich" before their retirement.

[@BREEZYM6015]

​@@mnraiders8546Which HYS are you using?

[@seltzermint5]

This is so true. I am now in my 40s with significant savings but around the time I hit age 30 I also hit that $10k and it was so motivating, I agree. I'd spent my 20s so far in debt and once I dug myself out of that it became so much easier to save real money. Even just having a $2-3k emergency savings though by 27-28 felt amazing compared to my friends who were waiting for payday to pay their $70 phone bill. Smug? Maybe, but true! I try not to play the comparison game, and lots of people are miles ahead of me. But it's good to give ourselves credit where it's due.

[@IzzyOnTheMove]

I'm 47 with literally my first $100 GIC in my life and 75k credit card debt. Started putting a little aside each month as savings and even that small amount makes a difference and I feel better, on the way to healthier finances. I'm getting 200k this year for a real estate deal (selling part of my yard to neighbour, literally free money almost!! Lucky!!) and will pay all cards and invest the rest!

[@seltzermint5]

@@IzzyOnTheMove I don't know what GIC is. But good for you making strides forward. Because of where I live, my entire home is 200k USD, lol (VERY normal in my area, I originally paid 120k in 2014).

[@jamesengland2487]

Took me 6 months of overtime and working weekends but I hit a little over $10k and payed off my Chevy and still have money left over. Definitely starting my savings again now that I'm out of debt.

[@SamClemens-id3cl]

Just the act of being able to save that first $10k...... Most likely you had to figure out how to make more $, or spend less $, or deciding what things are truly important to you..... Just knowing you were able to figure it out, it is very empowering. It makes you feel like you are active participant in life as opposed to a hapless passenger.

[@kallistoindrani5689]

Next month, if all goes like normal, I will have my 10.000 euros saved. It has gotten better to save because I am working more hours now. Now I can save money but also spend some on my own wants. 👍👍

[@martinlutherkingjr.5582]

The government will seize it via inflation slowly

[@thatcarguy1UZ]

I never spend money on myself for anything. I'm married with five kids, and I always feel guilty about doing anything for myself. I'm not well off, but we have a little bit of money in savings. When Battleship New Jersey went back to the Philadelphia Navy Yard for dry docking maintenance in the same Dry Dock in which it was originally built, I really wanted to go but I balked at the price which was $225. My wife treated me by buying me a ticket to visit the battleship New Jersey in Dry Dock as a birthday present. I was actually able to go stand underneath the ship and do a full tour of the dry dock and all of the equipment under the ship. I know that that might not sound as exciting to you as a green day concert, but for me it was extremely fascinating because I'm a mechanical kind of person and I love ships and cars and trains and airplanes and all that kind of stuff. Also, it was special for me because both of my grandfathers worked at the Philadelphia Navy yard on New Jersey and her sister ship Wisconsin when they were being built (one was an ironworker, the other an engineer). To be able to stand underneath the ship that my grandfather welded and riveted together and actually get a picture of my hand touching the keel that he very well may have been a part of fabricating, was a once-in-a-lifetime experience and it was worth the $225 that it cost having savings meant that I could enjoy it mostly guilt-free. I still felt a little guilty.😂

[@jeremiahreilly9739]

Listen up, people. Very. Important. Topic. To save $10,000 takes hard work. To grow $10,000 to $11,000 takes hard work. To grow $100,000,000 to $110,000,000 is *inevitable.* In 1981, I began my post-collegiate working life with a negative net worth of about -$20,000 (about $63,000 in current dollars). School loans. It took me two years to save $5,000 (about $17,300 in current dollars). My school loans carried a 3% interest rate. But I paid off the loans in 7 years. It took me ten years to save $100,000. *The first $10k changes everything.*

[@bree8150]

You are so right about the tension and jaw clenching that comes with the stress of not having an emergency savings. So smart to prioritize that first 10K!

[@jestercinti]

It took a significant financial crisis in my late 30s lasting YEARS to force me to say No to a lot of things and save like I’ve never saved before. This event had such a profound impact on my life, that I will never go back to my old ways…EVER.

[@MadisonBriggsArtchick]

I wish I had been more savvy and less “live for today” when I was younger. I blew through money that I could have saved. Now I am unexpectedly helping take care of my father’s financial needs as well as my own, and not making enough currently to keep from going into debt. I wasn’t raised with a saving mindset. I have owned and sold three houses in my life. As I mentioned I just blew through the money after I sold them... I valued experiences more than I did saving. I have spent $500 on a ticket to a Broadway show I was dying to see so I understand your Green Day decision. Anyway, I am not complaining, it was my own decisions to make the choices I did. I truly admire you for your prioritizing your own security!

[@KACn5582]

I feel you on the vet ER. I recently took one of mine in because he "might" have eaten a screw when he found and shredded a baggie of door hardware. Luckily metal shows up really well on x-rays and he hadn't eaten one. We weren't sure and it's worth the $$ to have peace of mind. And it wasn't his first ER visit. Dang it Tucker! Bad dog!

[@clarenceishmael9615]

A famous athlete once said he nearly gave up on many occasions because he didn't recognise the micro improvements as progress. We need to become more tuned in to our financial "micro improvements".

[@beth3535]

Reducing household expenditures and using a sinking fund for the annual ones (taxes, insurances) were game changers for me. I had always lived carefully, but I got really serious and slashed the teeny ones even. I missed nothing that I’d said good bye to; still don’t 6 - 22 years later. I’m finally upgrading things in the house (items others would take for granted) and altho’ I sometimes grit my teeth, every improvement has been so satisfying. And the bumps….medical expenditures, repairs, appliance replacements… are so manageable because I replace sinking funds steadily and emergencies are dealt with readily. Helping a friend do the same. I’m realizing that it is very important to regularly take stock of progress; otherwise energy and commitment to further gains are compromised….

[@christineee444]

I hit my $10k savings goal a couple of months ago, and let me say it’s the most liberating thing I’ve done so far (after paying off thousands of consumer debt as well). I also gameify it and recently when I’ve been falling off my game and thinking about buying unnecessary things again, I told myself “why not continue adding more to the emergency funds, WHILE investing as well?”

[@archangel_josh]

My wife and I started a joint account (for savings, never to touch) as soon as we moved in together over 20 years ago. We've dipped in a few times for certain essentials but generally speaking having that large amount of money for a 'rainy day' gives us both such an enormous sense of security. It's getting to be so large that we're going to start looking to buy a house and get a small mortgage which basically means no more renting/landlord hassles and most of the house will be paid off.

[@spurgear4]

I grew up in Canada and started getting savings bonds , When they still existed, I was getting a pay roll bond for ten thousand dollars every year for a few years. I got in the habit and always stashed about 20 percent of my pay into savings ,as long as the bills were paid. Im retired now and own my house, an old airplane and a small collection of old motorcycles and still save a little every time the pension comes in. For clarification I was blue collar with minimal secondary schooling, I did have a trade as a mechanic and ended up joining the Military as an aircraft mechanic for the job security, the wage and the pension at the end. Not for everyone but when you live on a dirt road and options are few you do what you got to do.

[@M_SC]

Idk why you’d be ashamed of that. In fact “airplane mechanic” doesn’t even exist as a title, people who do that job are called engineers because of the level at which they have to work. Without the engineering degree. Feel proud!

[@spurgear4]

@@M_SC I figured the general population would understand mechanic, AME dosen't mean anything to most people. In the military we were broken down into different trades , Power plant, airframe, Electrical and avionics.

[@OboeCanAm]

Well done! Congratulations for making the right decisions.

[@Michael-il5wd]

after I hit 100k my net worth exploded, it's real guys, Keep going it's worth it.

[@wvjon75]

I’m just now hitting 100k. I hope NVDA gives me a little boost.

[@seltzermint5]

Agree! So worth it.

[@crossmodulation9730]

How did it explode?

[@uglaegilsdottir]

How much do you make per year that you are able to save that much?

[@jadedrepublic]

@@crossmodulation9730 5% interest rates lmao, that guy is full of it

[@MichelleMortell]

Thank you Nicole and Levi. Greetings from Ireland 🇮🇪. Nicole, I have watched all your youtube videos. I have definitely saved a lot more money as a result 👛.

[@acidityliquidity211]

the peace of mind from having a giant emergency fund does make me desensitized to expenses. budgeting seems to be the only thing that keeps me from overspending at this point. my emotions are no longer affected. others felt sorry I had to buy four new tires. but it was well within my means. its still annoying knowing that if i have a $700 emergency, then i miss out on contributing $700 to investments

[@elmano1202]

They way I started to spend less was by creating a huge list of all my monthly spendings, and reduce it down to only what is absolutely necessary (food, insurance and rent). Even went so far that I started doing property guardianship and now only pay 150,- euros per month on rent. Life's been great, and am saving 1k per month now, with only a part-time job and a lot of free time.

[@winsome6705]

Excellent ❤

[@amazinglats6020]

That’s the life

[@TizianaPinessi]

I've been doing instinctively most of the things you say, now I'm in my early forties with two kids and enough money to buy them both a house (apartment) when they'll grow up. I got to this point just with a regular 9-5 job and by being mindful about how I spend my money (same goes for my husband). Thanks Nicole for sharing your wisdom 💜

[@AccordingtoNicole]

Holy super mom. Way to go.

[@Realistic.finance]

So true! Saving your first $10k is life changing. I will be there in a few months!

[@JFvHussen]

Why? Saved 9x 10K but still havent seen the life changing part yet 😒

[@McRuffin]

@@JFvHussenyou must not know what to do WITH the money…

[@JFvHussen]

@@McRuffin Investing… nothing else, till it covers my whole monthly salary so I can quite working ofcourse :)

[@McRuffin]

@@JFvHussen oh it is invested. I thought you were saying you had 9x 10k sitting in the bank 😂. Your comment makes more sense now, I apologize

[@JFvHussen]

@@McRuffin No, I would lose money then (inflation rate) , banks in the netherlands are just above 1%. I got it invested against 13,56%. My bank balance is only 4500 euro. Everything above 3K goes back into investments.

[@chfg325]

I was almost at 20,000 and then had to use a big chunk of that money to leave an abusive marriage. Now I’m at 7,000 and in about 3 months I should be at 10,000. So glad I had that FU money saved!

[@puregold1725]

Stay strong, you can do it!!!

[@chfg325]

@@puregold1725thank you- I’m trying my best!

[@SamClemens-id3cl]

You'll get there again. I know it sucks, tho. At least the $$ was there when you needed it.

[@sinajasminhess5004]

That was probably the best investment you could have made with that money ❤

[@jasondoust4935]

I tip my hat to you and have no doubt that you'll get back there soon. Good on you for being brave, but more so for being prepared.

[@IndependentPrettyGirlis]

OMG the middle finger to the failed money tree 😂😂😂

[@zarinahzarif910]

I saved 10k without even trying two years ago. I bought whatever I wanted mostly close and eating out. Now I have 30k. Never thought about saving or investing till I noticed I had money for the first time. Now I'm determined to have 1 mil when I retire

[@Mike-yg8ig]

Excellent vid. No grandiose ideas or unrealistic goals, just common sense. Many people could benefit from watching these videos.

[@foodmens]

knocked up or knocked out ahaaaa 🤣i love this woman

[@thaddeanboy]

YOU ARE ADDICTING TO WATCH, NICOLE 🎉🎉🎉

[@glennr9913]

Once again, great advice about getting ahead. 👍

[@keitharvd]

Love you! your hilarious! But right! “Knocked up or knocked out” 😂

[@LivingRachel]

Just achieved 15, aiming for 50 by 2026/03 - very slow going (massive medical bill last year) but I get to tick off a step at a time every fortnight

[@johntousseau9380]

I'm really close to $10k saved. $800 to go!

[@XYZ-ib4go]

I almost can't handle the cuteness of Levi (hope it's spelled correctly??) chewing on his stick ❤😭❤

[@ThePhoenixlad]

Finally! What a refreshing change for me to come across your channel. I don't know what it is for sure but, there is something about you and your videos I really like, apart from the fact that you speak a lot of common sense and have such a wise and level headed view upon life. It's a huge pleasure to know that there is at least one more person out there who actually does value the cost of life over cash and the importance of personal finance and financial independence/maturity. I'm hooked and now binge watching your videos. For years I've been thinking that that mythical, elusive quality became extinct years ago but, very happy to come across it in your videos today. Thank you for sharing your vids. 👍

[@Cymricus]

I’m at like 150k net worth now with 25k liquid and I still don’t relax my shoulders or unclench my teeth lol

[@mvloz113]

I think it depends on personal circumstances like age,expenses, income ect. I stopped stressing about money too much after I had about 40-50k invested, it's been pretty smooth sailing from there

[@davidlopez-rl4sh]

Saving for a full size food truck but I don't want a used one. Problem is it takes a long time to save. I don't want to start ov😢 saving all over again if I pay outright for a truck when I can keep using a cart. Maybe I should buy a second cart but I want a enclosed kitchen this time. It's been 14 years cooking outside. I am getting closer to the goal but I also just bought a $5000 car that I paid for in cash cause I don't want interest fees. Other than that I have not been buying anything

[@letsdomath1750]

2:17 The issue is getting blindsided by the total collapse of your old sources of income for 6 months after the start of a pandemic. Between monthly expenses and new mini-emergencies, it takes a lot of pivots and finding new sources of income to be saving consistently again. 😅

[@irenamohorovic5044]

Your dog is adorable🥰

[@derekfnord]

Regarding the Green Day concert (and the like), I think that's a *_great_* example of something worth spending some available cash on, because it's a one-of-a-kind experience that you might never have another chance to do. My favorite band of all time is Queen, and one of the biggest regrets of my life is that I never saw them in person while Freddie Mercury was still with us, even though I'm old enough that I *_could_* have. It's important to be fiscally responsible, and 100% worth cultivating financial self-discipline. We don't need to run out and buy every new thing that catches our eye. But some opportunities are irreplaceable, and once gone, are gone forever. *_Those_* are the best ways to use "extra money," IMO. 🙂

[@christinanovikova938]

Thank you Nicole! Sounds very inspiring!

[@passplus1]

Wonderful, sensible advice as always. Couple of questions for your next Q&A: As you are able to save more, are you considering buying another property to rent out as an investment?

[@Julie-v7x]

You have the best videos, and the BEST sense of humor. So happy KZbin found your channel for me!

[@veilgray9586]

After you hit a milestone, saving starts to feel like a game. It's addictive. I still am baffled how much it really helps to know it is there and(!) that I've achieved it. Gives perspective. Allows you to look further than the immediate bills and spending and worries of how to cover all that. Spot on video as always

[@RB-je3yj]

I'm very lucky! I have accumulated $2.9 million over 30 years. It's hard but consistent and discipline wins every time!

[@lisaorth3255]

I don't know, with rents as high as they are and if you lose your job, and health insurance, I'd say you need more like $20,000.

[@thehousingvlog7034]

Thats my emergency number and sometimes i feel like its not even enough 😂

[@bheavy62]

One easy tick to save money if your having a hard time getting started ,that I learned a long time ago, is to take extra income tax off your pay cheque every week. I started with $ 50.00 every week. So when I when I did my tax, I wasn't hit so hard , or even better I got money back, that went into the bank( for emergency back up) and after a couple of years ,I could put that money into GIC's or whatever.

[@InflatedPufferfish]

I spent 500$ in one night because my cat ate a whole plant and I had to UberPet to the Hospital. Anyway I only have Lego plants now. The cat is fine, it just went through her like regular food.

[@AhhhSukeSuke]

😅 I had 350k saved, swapped for a 775k condo+200k mortgage... I feel poorer than ever.... I do have 30k in a tfsa and 20k bonds... and 8k savings.. ON THE OTHER HAND: FEELING LIKE POOP, think furniture is too expensive, yet perkup at the thought of flying across the world for another Coldplay concert lol ($2000 for flight and shared airbnb for 10 days). SO HELP ME GOD. I do have some money left after the condo carnage. .. but I shouldn't abuse my savings this way..

[@paul_domici]

Great video Nicole! I hope you're enjoying this beautiful weather we're having : )

[@discofinger7084]

I make less than $30k a year and can confirm that having a cushy emergency fund has made the unpredictability of life a lot less terrifying. Since 2021 I have been hit with over $7000 in various emergency expenses that could have totally derailed my life if I hadn't had the savings. It truly feels like a luxury to just be able to sigh and say "great, this again".

[@seltzermint5]

I also make under $100k and feel similarly. Some of the people I know earn the same or more than my husband and I, but have no savings. I just don't understand, especially at 40+ (and these people do not have crazy uncontrollable expenses like medical crises or I would understand it better)

[@CrimeApexOfficial]

I'm planning on building a house and small farm in a wooded area as a kind of insurance in case I lose my job and go broke

[@BREEZYM6015]

​@@seltzermint5How much under $100k? I make $60k.

[@abelfaber4457]

i have decent saving amount, and now save for a pension in a tax free account, and started investing, while also saving to pay down the mortgage, and after the mortgage is payed, i can invest more, no i will not become rich, but i will have enough to live on nicely

[@TheComicVault]

Great vid as always 🧠💰

[@wildflowers8966]

❤ I grew up only getting toys at my birthday, christmas, and once a year after our dr appointnent where we got all our vaccines for that year lol😂 we were always excited for shots because it mean we got to pick a small toy out at the store after!!! No one ever cried at the drs! Any other toy wish we had to save up our allowance / earn money ourselves for. It worked great and we never begged for toys at the store (but would point out cool things we "maybe want for our birthday!")

[@blakewatson28]

Good for you seeing Green Day. I saw them for 5 punk rock dollars in 91. But now I’m spending hundreds building a little sailboat so I get it.

[@nataliemintz6507]

It's so refreshing to have a (young) female voice with practical financial tips in my suggested videos!! ALL of these things should be part of basic education, instead of age 4-18 only preparing kids for college. Then what? THANK YOU!

[@SamClemens-id3cl]

BTW, when your pet acts all sick & you rush them to the vet & you discover it wasn't anything important afterall..... My vet used to say, "he (pet) was just checking to make certain he was still important."😂

[@Yarz01]

Love you common sense approach!

[@egyphon]

Savings brings peace of mind, totally agree. Thanks for the great video.

[@cianog]

Money is freedom

[@frithar]

Always inspirational. Thanks for getting my weeks off to a great start!

[@spot1401]

It might be worthwhile for a future video to make a distinction between saving 10k and just having it. It is more interesting than it sounds. Many people have some kind of 'virtual' money in the back from parents, an inherited house or just the stuff they will inherit eventually. This gives them all the benefits but not the gratification of having saved it themselves. There is also this feeling of "i know I could do it if I had to" - like downgrading a car or your apartment, which mainly people how have saved up have.

[@williambreeze2659]

Saving the first 10k is a beautiful feeling!

[@yanekrolling7202]

'Saving money is a habit" very powerful statement there.

[@veroniquesoucy8807]

I am always amazed that in general when we have extras, it do not go on buying art that provide an income to the artiste and I am not talking about the rich artiste’s… I am a glass artist and we have to be creative to sell and not just to create an objects. And it last few years in a door, a windows even in a wall or decorative vase or plates etc…

[@davidshettlesworth1442]

Thanks for another excellent video. I wish I could make every person, not just the young people, in my family and extended family. Carry On Madame.

[@creatureselfie]

7:50 really hits home lol, F-U money is real power

[@Lenneeful]

Very good video, as always. I would like you to calculate for us how much it costs to carry a debt on a credit card when one only pays the minimum balance. The goal would be to help people realize how much it costs them to have debt. You could use the same number as in this video, a balance of 10,000$. It could be a video about credit cards. Thanks!

[@dadadit]

Nicole, YOU ROCK!

[@nicholasgutierrez9940]

lol At the concert ticket. Last night, I was at work and one of my people there wanted to go to a concert that night. Just at random. She was going to spend $300 on it, even though she doesn't have a lot of money. Told her it was a lot and she told me tickets for that could go up to $1k and that $300 was a steal.

[@seltzermint5]

I only paid $32 per ticket to see one of my favorite bands recently BUT we traveled 4 hrs and stayed in a nicer hotel and dined out so the 2 day trip was around $500. No regrets!

[@b33gft67]

Really enjoying your videos! Each one is so on point. Nice job!

[@mr.dan7144]

Having this backup savings is truly life changing. I know, I was finally able to do it. However, my sister came in like a wrecking ball and I had to relinquish all my savings and start over again. Such is life.

[@ofanning06]

It’s crazy that I’ve saved more money than I ever thought I would have at one point in time and it still never feels like enough. What is wrong with me? Is my brain broken? Now that I have this money I am investing it into buying my first business, which is an existing auto repair Shop of 30+ years. Hope it’s a good investment!

[@ronm6585]

Thanks Nicole.

[@wildrachanne]

😂 your story about your vet emergency killed me. Dogs are like that! My dog ate the handle off my scissors and was totally fine! But he later choked on a little cookie and I had to hold him upside down and shake him a bit (I panicked) to save him. 😅 I’m glad your puppy was okay! I’m glad you had some cash available for him too 😊

[@KayKayBayForever]

This is my current set of financial goals: 1. Save $1,000 emergency fund 2. Save $5,000 specifically for a car emergency fund 3. Pay off my $5,200 line of credit 4. Help my partner deal with his tax debt 5. Unknown. A little too far in the future. Increase my emergency fund maybe? Save for some investments? We aren’t very wealthy, these first four steps are going to take several years at least. But it’s a start!

[@CrimeApexOfficial]

Also just a suggestion to have a cabin and small farm in the woods or farmland, so that you can still survive in case you suddenly go broke.

[@stevenmichaelmarlowe]

Absolutely live your style of speaking and content…and THIS video was right on time for me

[@gracesimplified3860]

Wise advice from Nicole, as usual! Hopefully, some will follow. I really think what you said about people just get used to being broke, is sadly true. They’ll always choose immediate gratification of a cheap fleeting thrill.

[@TomGrob]

I'm on € 100k. I wish to have it when I was younger (straight out of school) so I could actually go to uni to become a M.D. In my country there are no tuition feeds, but the cost of living is quiet high in the major university cities like Munich, Cologne, Berlin.

[@aikibaby]

Excellent economics. However, learning to relax your shoulders doesn’t cost anything and it can make all the other stuff easier. And the more you learn to do it, the better everything else, including saving $10,000, will go.

[@pamelamoscato7247]

Hello Nicole great advice! I'm trying to get my son to understand the basics of saving money because school doesn't teach you to save and be money Savvy. I hear you when you say that having enough money saved to say no to being exploited is a tough lesson to learn. Many times in my younger years, I wish I had that F You savings because it would have saved me a lot of misery.Now I want my son in that F You position as soon as possible !! 💞

[@YungContentshow]

You are a legend Nicole

[@john00123]

Great video again Nicole! I'm celebrating a $600K Dividend portfolio today. I went all in with about $150,000. Have invested much time and money into this. I am also with the right Investment Advisor, who handles my portfolio and executes my trades. Now I have steady dividend income and time for my family as well❤✅

[@jessicaknoll4700]

Amazing! I have Liquid $150K to put into stocks, but I want to ensure good profits & safety. With tons of Advisors now, how did you find the right Investment Advisory?

[@john00123]

Essmildaa Morgan is the name, she is well known, just look her up.

[@jessicaknoll4700]

@john00123 Thank you so much, Looked her up, I can see her profile here on the web, will send her a well articulated mail. I hope she finds space in her schedule to help me.

[@anthonypayne8106]

WOOW !! Essmildaa Morgan is finally getting the popularity she deserves and this docent come as a surprise. my favorite stocks She invest in are Amazon,Walmart, TELSA and currently, Crowdstrike.

[@lynnoorman2144]

Oh yes - here we go folks! The dodgy traders are putting up adverts, pretending they are genuine posters. Don't even contact them folks!!!!

[@thorsrensen3162]

Nicole, could you perhaps make a video about how to invest. I only hear about putting money in index funds, is that the best way to go. I pensonally like to know the companies I invest in, but may be too risky or not giving the proper return. Further what about silver coins or gold is that worth considering.

[@jasondoust4935]

Scott Pape (aka The Barefoot Investor) is an Australian advisor who describes the FU money strategy as "mojo". All the scenarios that you describe are really straightforward when you have mojo. It's a life-changing strategy.

[@immattbailey]

I’m So close to saving my first 10K and it’s gonna feel so good , yeh I’ve seen 10K in my bank before , but it was never saved. Also seeing Green Day’s dookie is priceless!

[@civilizednotions]

I would totally spend $300 on a Greenday ticket.

[@uglaegilsdottir]

I have saved my first 10$ in the last 15 years working 2 minimum payment jobs! Yes, I did only save 10 dollars in the last 15 years. However, I am pretty happy about this seeing the 3x inflation that is currently going on. I make $24,000 plus $2,000 on my other job (per year).

[@69Phuket]

Has no fingers left. Good advice. Money stuff is a wha wha smother pillow. Got 4K in NVDA . wasn't easy, but its a start 4 me. Feel better already! ;)

[@workinprogresssince1974]

Having those savings squirreled away in case of emergencies really does take a lot of anxiety out of the 'what ifs'. I don't worry about most financial eventualities thanks to that.

[@sfcar]

For me the "oh my god this is it my dog is dying" emergency vet visit was....gas..my dog just needed to fart real bad

[@AccordingtoNicole]

Had that with my last dog too.

[@babatundeswana9361]

I'm a bit of both but I'm more on the left I don't earn enough for what I want . That's why I want to be a barber skilled job

[@JohnHoranzy]

I quit going to the local barber after listening to him complain about his new $55000 pickup truck. You can make good money as a barber. Keep your shop neet clean and professional. Be a good listener. When South Florida went into a recesion in the 90s the only shops remaining open in many shopping centers were the shoe stores and hair salons.

[@rocksolid6494]

Oddly enough, saving money has not been a problem for me. It is investing where I have my problem. I have lost money so many times when I have tried to invest. The old adage, Penny wise and Pound foolish applies to me.

[@lynnoorman2144]

Don't go to bug banks or on line schemes. In the UK financial advisers have to be registered- you can look them up and find out if they really are ot not.