Why Millennials are NOT SAVING enough?

Are you living a good life on SOCIAL MEDIA? How about in REALITY? It's hard to tell this from what we see on Instagram these days. How can you tell if the millennials nowadays are struggling to save? If you live for social media likes and buying items you can't afford, you might need to rethink your strategy. 💡
#personalfinance #moneytips #howtosavemoney
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[@MrMoneyTV]

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[@muthusamydon8616]

this kind of vid is nice and all the points are on point!

[@ThatMidasTouch]

If your friends judge you for not living a luxurious lifestyle, they aren't your friends.

[@chinchang5117]

The problem is that my friends are actually not judging me. I am judging myself.

[@ThatMidasTouch]

@@chinchang5117 😢 I hope that you could change soon

[@wendyshoowaiching4161]

In the modern times. Having no money, the government will bully you in many forms. They will assert financial force on you in many forms. So having friends or no friends is another many issues we have to deal with is so stressful why many in big cities commit suicide because they cannot cope with stress and depression. So all people have to find their basic figure to survive their priority

[@RayMak]

This is super true. I've got 'friends' who are owing me money but eating omakase and traveling.

[@markaj_]

I'm still waiting for the lambo you owed me ray mak

[@danielsoon0302]

Me too.. When want go drink and eat omakase? 😂

[@gwerky]

Can I be your friend as well?

[@AlphaMaleMy]

omakase and traveling are small fishes, if follow peer pressure and buy property and expensive car at young age, then sure jialat

[@seanriverdale9870]

Kenapa kamu tak minTAK dekat dia setiap bulan..bagi dia letih

[@dpym1292]

Got money to buy GUCCI wallet but no money to send MYVI for normal routine service at workshop

[@hqs8959]

I still remember my mum once told me this : "No need to look like rich, the rich person are the one who have 'heavy pocket' " "That makes you feel more secured" I start to understand these things when i am turning in 24, looking at my friends around me making RM1k+ a month changing Iphone each year with installment That's sad

[@srisarvinnair5552]

Exactlyyyyyyy

[@rinreborn7364]

Im still using my lousy 3 years old OPPO phone, im planning to use it until it literally breaks 😂 Just for alarm, calling and messaging, no need so fancy lah

[@shahalpha1739]

My mom told me a pretty good advice too, "if you have a bunch of money, keep telling yourself you don't have any to spare for something that doesn't matters".

[@de0509]

@@rinreborn7364 yup. Im very thrifty with phones too. But the plus is, the money we dont waste meant that the last time my phone starts getting hard to use, I can immediately buy another phone, cash, without worrying. Oh and I bought a new phone but previous years model. No difference in quality, yet cheaper. Its only not-latest-model, thats all. And due to how tech advances so fast, this phone im using is like miles ahead in capabilities compared to my old phone and half the price. Old phone samsung galaxy iirc was at RM800 at that time, and new phone was A3S at RM 400. Makes me wonder though. Its as if that if you compare moores law of computational power vs inflation, computing power goes up and up like a rocket. Technology nowadays simply amazes me

[@haziqkamaruddin1631]

I have an iphone 11 pro max which i’ve been using for 4 years since December 2019. My friends asked me why didn’t i change my phone. I decided to ignore their advice and I will be using this phone until it breaks . I won’t be changing to a new phone to impress people

[@JWu-jt7fz]

Leaving social media was the best thing I've done. I also deleted all my instagram posts. Let's go S&P

[@yajri8201]

This channel help me a lot in saving money. This year I have save around 3k. His video pop up on my screen whe I got my first job. Maybe after this I want to learn about investment. Tq for all the tips Mr. Money.

[@MrMoneyTV]

Thanks for the comment! I’m glad the videos helped!! :) looking forward to hear more good news from u!

[@AshrafFarrel]

I made around 300k last year and I didn't save any and i was in 20k debt, i was shocked by it and decided to cut down everything including only eating at mamak. Now I made 200k only but I managed to save more than 50k and debt free. All because I deleted social media.

[@huzainijai1184]

Ayo, keje apa sampai 300k 😭

[@AshrafFarrel]

@@huzainijai1184 meniaga bang 😬

[@huzainijai1184]

@@AshrafFarrel perlukan orang roger bang :3

[@miorf82]

Wow

[@shun2240]

If I made 300k, I can save at least 150k, how you spend 200k+ per year??

[@zer0pulse156]

it's really sad that people dont want to buy hospital insurance. Hospital expenses are very expensive and can easily drain your money.

[@Alozhatos]

Expecting going to Public/Government Hospital.

[@highcal9936]

My dad earns around 50k a month, and he still use his old Huawei phone that he bought in 2015 not more than rm2k

[@Leanna007]

I heard real rich people don't use expensive wallets, they use rubber band to tie up the cash into bricks only 😂

[@theallseeingeye9388]

That probably has to do with his age. Older generation are not very tech savvy and most are not into electronic hardware. The smart phones cultural appeal is fully geared towards youth and the young with apps like tinder, grab, food panda, games etc etc. The fact that older generation are a demography totally ignored by mobile phone marketing and advertisment campaigns should tell us something. Whether the older generation earn 500k year or are retired, we will rarely see one of them stand in line the whole night before the iphones latest launch.

[@suwan1986]

To sum it up.. combination of not spending wisely, not earning enough and not invest smartly.

[@canopyfields]

Many young girls nowadays drag their bf to buy Lv and Gucci. Just go to the Gardens Mall, look at the long queue outside LV. all youngsters in their 20s and 30s.

[@heidiycc3626]

very timely reminder indeed. I was just thinking how is everyone so wealthy in social media. In fact the best things in life are free haha. Great video to stay grounded! keep it up!

[@muazazemi8459]

Banyak AHA point yang membuka minda dalam video ni.. Kipidap.. terbaik!

[@tiffanying8644]

The goal is to be rich not look rich

[@AfaTeesShop]

the main problem in malaysia is less exposure in life...make us spoiled & dont want to learn from mistake

[@aryshaiddin]

Just nak bgtau ini adalah vdio finance yg terbaik pernah sy tengok...6 bulan lpas sy pun start belajar dan cuba buat content psal benda yg sy suka..thanks a lot for making this video..much love !

[@MrMoneyTV]

Terima kasih Tuan!!

[@upbeatmantis86]

Those millennials are living for the moment.. If you have a problem with their lifestyle, than you gotta think of you priorities then. Stop judging and seeing things only through your perspective lenses. Some people are happy spending their money away. Expensive cars, but renting still. If they’re happy, let them be. It’s their money anyways. There’s a saying. “Don’t die rich” , heard of that?.. in the end, everyone is different.

[@vineshrajoo2805]

Another great video about a topic that is timely and relevant in today's world. People tend to think that the only way to achieve financial freedom is by making money and they tend to forget that "a penny saved is a penny earned".

[@neku2741]

It's not the they're don't want to save, it's because they don't have disposable income to save. Malaysian salary barely increase in more than 10 years. Some didn't even get 5% increment yearly, for comparison the price of bread increase from 90cent to RM1 this december that is a 10% increase, therefore whoever didn't get 10% increment this year is basically getting a pay cut whenever they buy bread.

[@canopyfields]

No disposable income to save but can eat out everyday and spend rm200 daily on meals

[@neku2741]

@@canopyfields ​If your salary is RM2k how tf are you affording RM200 meals everyday? Seriously, the people you're talking about is in the minority. The majority simply can't afford to save.

[@reezevlog]

best way to be a millionaire is be low profile….stealth wealth..my dad gave me that advice…😎😉..while a good friend of mine told me “ur health is ur wealth”…….🙏🏻✌🏻😎

[@BobbyAngmalaysia]

Yo! Hope to learn more about money and investments from you one day!

[@srisarvinnair5552]

Seriously mr. Bobby? You are already rich mahhh

[@kenlimfornication]

"If everyone is rich, you are not rich". Just let them be.

[@shutengloke5907]

If everyone is rich, there will be no poor people in this world. Everyone will be able to afford the most basic necessity in life.

[@kenlimfornication]

@@shutengloke5907 This will not happen in this economy. We will always be separated. The rich will always get richer. Imagine, if there is no middle class or poor, everyone gets on a plane and sits 1st class? No, the price of 1st class will increase until will only the rich can afford. So, just let them be. For those who are investing, good on you.

[@shutengloke5907]

@@kenlimfornication, I agree the rich will get richer and poor will get poorer. Someone once said if we distribute all the wealth equally to everyone, in 5 years time those who were rich before the wealth distribution will br even richer. And those who were poor will be even poorer. Moral of the story, most rich people are rich because of their habit/mentality and the same for poor too.

[@zenith1764]

yes please make videos about how we can save more using loyalty programs 🥺 especially credit card schemes

[@luqzernsyam]

For me sometime with need rewards sbb kita punya hustle, maybe kita over spend from our salary or our salary is to low. Situation orng lain2 so it depends dari kita but with good luck… mcm saya bebas hutang saya x ada encourage for work hard but freedom bebas hutang is paling manis 😉 (stay with siblings) so moral of story, setiap orng is lain2 stuation of financial so kita perlu educate atau give them solutions untuk bebas hutang, Ada channel mcm ini ia sgt menarik✨

[@Mrloop69551]

bro can you imagine a fresh graduate who just got a job after pandemic start pay dept and got house flood this time.. how sad this guy is right now

[@AlphaMaleMy]

what's worse is Millennials invest in properties and buying expensive continental car when they could barely afford it

[@muhammadsyuhaidi1403]

Tidak mengapa kalau tiada barang yang berjenama mahal selagi barang itu berkualiti tinggi, boleh tahan lama dan lagi penting berfungsi lebih daripada looking fancy. Tidak mengapa beli mahal sedikit demi kualiti, tahan lama dan ada lebih fungsi tapi jangan beli yang atas nak menunjuk dalam sosial media kerana sosial status. No wonderlah ramai anak muda broke sebab salah invest dalam beli barang yang berpanjangan. Tidak mengapa membeli alat hiburan seperti PS5 atau games sebagai rewards dan relievekan stress (sebab kitakan manusia biasa). Mana tahu kalau games juga sekarang ni boleh buat duit melalui streaming.

[@Alozhatos]

I do admit I still didn’t have medical insurance because I do need some time to have it. Still studying which insurance companies do offering the best offer. I’m currently saving to paying deposit for flying school fees. I do feel satisfied still driving old car because no more debt. Only thing is I kept servicing on time.

[@MrMoneyTV]

Good if can buy at least the cheapest medical card. Got health only can study

[@megatashraf5258]

Oh yes, i need real life loyalty programme saving hacks video. 🙋🏻‍♂️

[@ezekielchin7476]

Awesome 👍 People used to compare themselves with their neighbours and co-workers but now we are lured by social media to compare ourselves with the world. Looking rich doesn't feed the family However, it is still expected of us to dress a certain way regardless of gender to meet clients or customers even though common sense will tell you that we are all living from paycheck to paycheck.

[@MrMoneyTV]

Peer pressure is real, since people start living in communities. The dressing part is especially true if ur in a corporate job.

[@Eskimo-kd6dl]

My friend drive Peugeot but borrow money from a suzuki kapcai rider. Already warn her to save and reduce commitment but don't want to listen. Now covid strike she tapau liao

[@funnyah7801]

As a peugeot owner, i understand why she kana tapau

[@Eskimo-kd6dl]

@@funnyah7801 the car always buat hal?

[@ZarasthuraGyattt]

​@@Eskimo-kd6dlplease don't buy Peugeot, my boomer dad buy late in his retirement. Now his money kong meh

[@Eskimo-kd6dl]

@@ZarasthuraGyattt yes. The car nice to drive but not reliable for long term like Japanese car.

[@ahmadishak2426]

Baby boomer ....study hard ...apply for job...work hard ...contribute for EPF EPF is life saver Millineal ...study hard ...do business ...be an innovator / disruptor / creator ....their creativity & talent determine their saving value

[@mekingn]

Always appreciate your channel and content. A must watch for millennials for sure!

[@sherlynsherlyn6396]

That's why now I seldom use social media, it just shift your life goal when you use it in a wrong way.

[@haziqkamaruddin1631]

Too many people spend money they haven’t earned to buy things they don’t want to impress people they don’t like - Will Smith

[@haziqanuar01]

Sometines I see people younger than me use Iphone 13 pro max, suddenly I thought “how the hell this kids can afford that expensive iphone ???? “

[@jasonphung17]

Their family rich..that’s one of the reason

[@neku2741]

Most telco provide packages where you can pay it monthly included in their sim card purchases. It's super easy to get it.

[@tiffanying8644]

Installment haha

[@amirradzi9678]

Same here bro. I see younger people around me drinking bubble tea, starbuck, costa etc while I can only afford teh tarik mamak with roti telur banjir.

[@chriswlh99]

Yes to savings hacks video. Thanks.

[@huishengong1143]

Millennial and gen z should watch Caleb Hammer financial audit. Then, they realize not everything is glamorous as it seems..

[@bowlampar]

Millennial not saving enough?? I can hardly keep up with inflation and monthly cost of living with my pitiful earned RM, how is that even possible to save? 🤣😅🤣

[@Alozhatos]

Wealth gap is getting bigger. I do heard people don’t respect you if driving Proton and Perodua if you have salary more than RM 5000. Maybe due to historical poverty.

[@dwichiesa]

15% investment is kinda low. Aim for 40% and above

[@kornhead8]

U are wat u are. No need to b somebody else or b influenced by them. U live according to yr finance. Make every chance to grow yr $ like investing. Open yr mind & read more abt wat is happening in the world of investment. B yourself & not somebody else 👍gd luck

[@gohyonghongluke3443]

Buy EV car instead of patrol car and don't have to buy iPhone (invest apple stock) buy a better housing instead of luxury mansion and the final is invest on the hospitalised insurance plans (incase suddenly hospitalised don't have to worry about the hospitalised bills).

[@madrain3941]

I could never wear that cap, but on you my friend, it looks mighty fine 👌

[@carrotsak]

Rich people I know are mostly workaholics. Just work and no time to spend money kind.

[@sitimadihah7493]

Interested in knowing the life hacks 😄

[@glutzoid]

Quite sure you can “boost” ur wealth when you hit 10million views for each video. Keep it up! And you will be on top of everyone then :)

[@saberkok8209]

Simple la. You know this thing call money gauge? Lent him 10 dollars can. If he ask again, say you haven return 10 dollars. If he angry, then cut ties totally. Take it as a farewell gift. If he knows what he is doing, he will return the 10 dollar eventually. If not then good luck to him. Lol

[@zecklegend]

Good video 👍... I'm stop posting unnecessary things at social media. And start enjoying see my money growth in investments, learn more in your channel. My goal is financial freedom in 40s

[@MrMoneyTV]

Love it man!!

[@madderunker3982]

2 words stay single.

[@Yutiply]

Thats the downside of social medias.. Many people want to live their lives on other people's easier life pacing instead of their own... its very unhealthy

[@huishengong1143]

That's why we must choose our influences carefully. Choose someone tht has like minded mentality..

[@youtube1sm]

Hello, I feel offended a bit cus I wear my watch like this 1:43 since primary school..... But my watch is just a regular Casio 😁😁😁

[@danielsoon0302]

Shoutout to people who knows Bobby!

[@luminis4451]

Haiyaa, I rather be poor in social media but rich in saving accounts. No need to show2 lah.

[@speedycatz]

Delayed gratification is important.

[@Latiosx123]

I'm 28 this year. Gross is RM 6k. After taxed and blah blah blah. I left around 5.2k. Invest 3k per month and I did a calculation, i need 6% consistent return pa for 15 years. Only I can be an millionaire. But these ppl willingly pay 80k+ interest with new vios or city. If my math aren't wrong, 80k is 25months of my savings. In simple English, if u buy a car without loan, I need to work 25months for it. Imagine spending 2 months of salary on iPhone here, 1 month of iPad there, another 5minth of salary on new 72 inch TV. People will spend 5 to 7 years of their salary buying things that depreciate ON INTEREST. If u put into perspective on everything u buy into working hours, u will realize how dumb certain purchases are. 5.2k translate to about rm30 hourly wage for me. Now suddenly u will feel even being a median income earner feels poor. So I don't know how can people be happy keep on working just to get stuck with depreciating gadgets.

[@hafizatulsufiahyaacob5186]

At least your salary already 6K..

[@Latiosx123]

@@hafizatulsufiahyaacob5186 6k salary mean nothing if that give u a sense that u can spend more

[@hafizatulsufiahyaacob5186]

@@Latiosx123 i agree on budgeting with consideration.. if you live in kl, 6k is just enough to life an ok life la. But buying branded cars,branded phones, that just a waste.. I'm only a year younger but a fresh graduate, so need to plan things right to not only pay my student loans, but also taking some takaful for retirement fund and learning about investment. Cause doing side gig pun doesn't necessarily help.

[@Latiosx123]

@@hafizatulsufiahyaacob5186 I would say the hardest part is even allocating money to save. Fresh earn about 2 to 3k. That's almost basic necessity needed to survive. Is very very hard to cut down spending below 2k realistically. As salary rises in your 20s, the additional salary must be stay put to long term investment, young money is more valuable than money when u old. U will have to be living like a broke fresh grade despite salary increase and doing it until u are in mid 30s. Thats means, marriage, car, houses, vacation, gadgets have to be spend at minimal or none at all. I would even have to resort to not going put often for restaurants and Cafe. I'm basically a loner, so I find no going our cinemas, Cafe and restaurants really easy. I drive a beat up car and stay with parents. All the qualities of a 'loser' But if can endure such prejudice by peers, in less than 10 years you will be way better off then them.

[@hafizatulsufiahyaacob5186]

@@Latiosx123 i already live my life as hikikomori (basically a recluse) for two years before furthering my study and learn the hard way to not give a shit about people opinion. I currently stay in my parent home cause she's already old. I'm about to start my first job, with an ok salary in my hometown ( but currently have covid, so may need to postpone my first day working). I go to work by motorcycle cause I hate driving and probably would buy car after I finish my student loans payment, and only buy secondhand car cause i don't need new one, just functional.. movies tu ok la, i can go. But for vacay and stuff, well, i planned to save for Hajj so travel might need to hold.

[@keribangrebus7823]

great videos...thumbs up

[@syahrizafathurrahman5705]

In Indonesia, we have paylater epidemic

[@aimansafri9746]

but how to exactly draw the line between enjoying lives and saving by living like a cheapskate?

[@J-TAR]

Well Said 😬👍

[@AnnoyingApple86]

🤣very true

[@lozhenhong6656]

Simply just because we are not doing well.

[@srisarvinnair5552]

Dont use social media at all... Easy!

[@normajeann]

Buy a normal car instead of expensive ones, be frugal and do budget travelling...because that's how you get wealthy. Ever wonder some rich people are stingy? yeah that's how they get rich

[@wongpentelglobal]

Bruh 100k-500k year is 8.3k to 41k. That not realistic salary for average people.

[@rubycheah630]

Good video, exactly my thoughts. The best explanation when you see all these glamour thing posted in IG is probably these youngster got rich family background. Otherwise just by the fresh graduate salary which doesn't change much in Malaysia since N years ago....quite hard to justify plus inflation is hitting hard...

[@breathewithranjit6479]

Such a great content brother👌👌👌

[@ahherng9822]

more personal finance tips!

[@dondini7184]

love your video

[@arphmd]

People who owns a G-Class to show off:👎 Person who owns a 6x6 G-Class for banjir:👍

[@joshuadoliveiro]

this is a very 'millennial' question but "why be a millionaire if you can't acquire high-status material posessions?" 😂😂

[@bsolutions525]

I'm 26 and saved $300k+ SGD. Even had to serve 2 yrs ns, so if I can do it so can you. Unless you stay in bolehland, then you no hope lol

[@Fiendtype]

where to get the physical book "the millionaire next door"? thanks

[@1991zoul]

How do we define this is suitable for me? Example on vehicle, can settle with a-segment and make room for more financial investment, but c-segment is nice too and not burning my pocket much, but will settle less for the investment part. Can make a guide on controlling emotional intelligent on financial spending?

[@abububu5161]

can try second hand car

[@XRockVstarI499]

This feels like I'm being attacked. I used to do honest work. I mean, work wholeheartedly to the best of my ability everytime i get a job or anything. Between work and juggling my mental health (I've been depressed for more than 9 years), people treat me like shit. I've always tried my best to be kind and be open and learn. Guess what? I've been ridiculed, stomped on, and thrown out like garbage. That's not the best part, I've always been the black sheep. The guy that never fights back (i literally can't. My brain wouldn't let me I'm depressed ffs). And I've recently found out that for all those times, I've been paid way less than other people. I sure "love" people. "Friends" regularly stab me in the back. I have no choice, this is what life handed to me, i have to accept it. Its quite funny because i know the worst it yet to happen. This country and its people have been brainwashed to adopt a twisted mindset. I see no hope but i sure am glad people like you exist. Reminds me of myself as a kid. Filled with hope and enthusiasm.

[@MrMoneyTV]

Damn my friend. It’s a tough situation ur in… if u have been able to survive through for 9 years, you have more strength than you realise. we wish you will find strength to bounce back n seek a better opportunity for yr days ahead!

[@fitrifakharuddin144]

Yes to saving hack !!!!

[@raninrai2849]

the rolex are from noob factory or VSF (China best fake factory rolex). This high end factory fake rolex cost around RM1400-Rm2500. Still expensive. HA HA HA

[@UchihaDestiny09]

1 Yes

[@tenelhairi7316]

Tq

[@theunbrokenpiece]

Savings hack yes pls. Talk about cashbackssss

[@canopyfields]

I try to go on dates by leaving my merc at home and take the LRT. that weeds out the gold diggers

[@andrewchanorange]

Fake it until you made it

[@lozhenhong6656]

Just that we not able to afford

[@shun2240]

Looks wealthy but no money, I live like a bum but I am 99% I have more assets than other millennials

[@nazrojean7128]

wow...apart from an excellent topic n delivery(as usual),u nailed the end part with tat sponsor catch phrase!nice one....

[@MrMoneyTV]

Thank you!!

[@jarodlee6205]

nice advice. good topic

[@azibibasri3471]

How old ar u? Just curious

[@WingsHype]

I guess u invested in NSK hoo

[@zoickn]

Superficial lifestyle.

[@rex-ov4bi]

Advertise cake defi scammer company? How much they pay u dude?

[@qm589]

if u want to splurge on expensive items..just buy…nothing is expensive..difference only whether u have the money or not..thats all..some people earn millions of dollar..use cheap items..that is their behavior…why follow? No identity is it? Need to follow all the time..thats why malaysians with penjajah mentality still wearing suits in the middle of hot sun.…if u think you are poor, u can blame your father/grandfather, but after that go find proper financial knowledge..and teach generation after you on simple financial mgmt and how not to drown into power of social media..

[@thomaschong7662]

He has his own way of living, its okay that they want to enjoy, that's the reason why money is made of right?

[@CaptainVKanth]

Omg, so that makes kelisa owner billionaires.

[@furrycheetah]

Never trust anyone in WWW

[@mohdhairy9691]

Lifestyle too high...in reality they all broke and no saving..

[@davidchin7721]

Savings hack video lai lai

[@justsheeeps134]

The views says it all

[@ahmadfarisbinmohamad2601]

Agree

[@dannyharridz]

✅

[@lbagwell9283]

You are wrong.. i already bought iphone 15