Your Ultimate Financial Plan in 10 minutes

[@tonysilke]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?

[@Nernst96]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@PhilipDunk]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.

[@PatrickLloyd-]

Do you mind sharing info on the adviser who assisted you? I'm 51 now and would love to grow my stock portfolio and plan my retirement

[@PhilipDunk]

My CFA Sharon Ann Meny , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@PatrickLloyd-]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Raniyanhunter]

I was advised to diversify my portfolio among several assets such as stocks and bonds since they can protect my portfolio for retirement of about $170k. I need advice: Do I keep contributing to my portfolio in this unstable market or do I look into alternative sectors?

[@garnold-l5p]

The strategies are quite rigorous for the regular-joe. As a matter of fact, they are mostly successfully carried out by experts who have had a great deal of skillsets and knowledge to pull such trades off.

[@Mlanderos-t9e]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited $360k early this year under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@Anessa-gibson]

Could you kindly elaborate on the advisor's background and qualifications?

[@Mlanderos-t9e]

My CFA, Judith Lynn Staufer, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.

[@Anessa-gibson]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@Joegolberg1]

If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life.

[@Benjaminarmstrong684]

The first step to successful investing is figuring out your goals and risk tolerance either on your own or with the help of a financial professional but is very advisable you make use of a professional like I did. If you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money.

[@Justinfred11]

The stock market rally run is gone, but I'm not sure if equities will swiftly recover, keep falling, or fluctuate in a narrow range for a few weeks, or if things will quickly get worse. I'm under pressure to increase my $150k reserve.

[@Benjaminarmstrong684]

Making touch with financial advisors like Zachery M Demers who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times.

[@Benjaminarmstrong684]

HE'S MOSTLY ON TELEGRAMS, USING THE USERNAME...

[@Benjaminarmstrong684]

Zachfinance

[@michaelschiemer3]

I wasn't financial free until my 40’s and bought my second house already, earn on a monthly basis via my investment and got 5 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this.

[@Rachadrian]

I hope to own a home one day. not quite long I started investing. I'm very curious already and need help on how to enhance and increase my returns. Any good investment tips will be appreciated.

[@Dantursi1]

I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000

[@CindyValenti]

I envy you, I’m still trying to recover from losses I incurred in 2021/2022, who is this investment adviser you work with, I’m intrigued and I could use some quality guidance

[@Dantursi1]

Her name is “Annette Christine Conte” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@CindyValenti]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@yogajaxx8299]

£5,700 net pm is a salary of £103,000! Fewer than 5% of us in the UK earn that so I would have liked a more realistic example. But like others have said, we can take the principles and I will be sitting down today to do that. This is fantastically helpful. Thank you Nischa. I only recently found your channel. I am 61 and learning a lot from your advice. I wish there had been something like this when I was in my 30s or even 40s, so I hope younger people here put your tips into action. Especially pay into a pension people! The earlier you start the more it compounds and builds up. Retirement may seem far away but believe me you don't want to get to my age and not have a decent pension fund accrued, as has happened to me. Your future self will massively thank you.

[@greigjduncan]

Side gig = tax free?!

[@AdeAde0224]

Definitely need something is more practical

[@robertgarvansnyder4665]

5700 x 12 - 68,400, not 103,000

[@kdanisman]

Net 5700 pcm is 103k pa gross

[@yogajaxx8299]

@@robertgarvansnyder4665 net not gross

[@3xAudio]

We need realistic videos of people earning between 20-35k. that is more common than people taking home 5700 a month

[@williambyers]

true, im on 25k a year. Excluding citys I think the average would be around 20-30k compared to the 35k everyone says.

[@SEANPOL203]

💯

[@KingBamBam712]

Same thing but smaller.

[@ethicalbunny]

Agreed, her examples and advice are always aimed at the top 1% of earners! I would rather see how to do this earning 2500 a month or less!

[@usainbolt5153]

is about 70% of the people in the uk

[@ianh.6825]

So 'Alex' is 30 and she's pulling in £5700 a month. Well bully for her. The median income for a 30 year old woman in the UK is roughly £32,000 gross pa. That equates to £26,170 net pa / £2180 net monthly. Lets use the 60% figure for monthly fundamentals. £1308. That leaves £872 for the 'fun' stuff and life goals. House purchase, holidays, savings, early retirement, etc. Bear in mind these are median figures. 50% will be worse off. I'm just trying to add a bit of reality here.

[@alexpetrie2327]

Ha! I was just thinking this. On that income, I could save £2,000 a month, quickly clear my credit card & overdraft, double my mortgage payments, and not even reduce my monthly spending. I wouldn't need any advice. And £50k p/a in retirement?? WTF is this hypothetical person spending their money on?

[@John9876A]

My focus is always on the long run. But that does not mean I give up on life’s pleasures. While home, I save. While on vacation, I eat out (healthy meals only…remember, I think long term…both my health and my finances are based on long term thinking). This video is great on many levels because it shows what is possible with discipline and delayed gratification. Of course, we all make different amounts of money, but the thought process can be similar. Thanks, Nischa for sharing your knowledge!

[@fabioandresmartin9756]

For all the people complaining about her not using the 2k a month example: SHE IS USING AN EXAMPLE! The idea is that you adapt her knowledge into your life to make it better. Nobody in KZbin will make a video that will suit your life perfectly. Instead of criticizing her, learn form her. Nischa you are the best. Thanks for changing the world and shape it into a more financially intelligent and bette one.

[@micheleminer9499]

Exactly

[@maxinec1616]

Well said!

[@tiffanyonwudinanti]

This!!

[@JourneysAndGems]

I agree!

[@KennedyVerbruggen]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.

[@type-r3x]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@firefighter-i6q]

The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.

[@Tanner-c2m]

You seem to know the market better than we do, so that makes great sense. Who is the guide?

[@firefighter-i6q]

"Rebecca Nassar Dunne" is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@crystalcassandra5597]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@rajitspdstr]

Important to understand everyone's life and paths are unique and there might not be a template for anything. I failed twice in 12th at age 18-20, broke up with my 1st gf and and thought there was no hope. At 24, I passed out of college with a degree but no skills at all. Took a job for a salary too less for my ends to meet. Met my would be wife at 26 Got married at 30 Got our own 3BHK apartment at 32 Became father of beautiful girl at 33 Got our 1st car at 35 Now I am 37, have an Emergency fund for at least 3 years and building towards Financial freedom. It has been 13 years and the same company is now paying me 35X of what I was earning on Year 1. Dont lose hope! If you havent been able to do what Nischa is saying here, it doesnt mean you wont, it just takes time, patience and persistence.

[@stevendaniel5450]

I'm not even exaggerating when I say that this video answered all of the questions I presently had, like all! I kept going back and forth between saving for a home, or investing first, or building my fund to quit, or saving for a car, no clue which way to go. And what is even crazier is that the examples she used are almost identical to my numbers, I am 'Alex' :). Thank you Nischa for all the great content you put out, it has helped me tremendously.

[@AvelineOztas]

Biggest lesson i learnt in `2024 in the stock market is that nobody knows what is going to happen next so practice some humility and low a strategy with a long term edge..

[@MesutMilleliri]

Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.

[@BrigetGstar]

Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.

[@NoahNollens]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@BrigetGstar]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Julianne Iwersen-Niemann” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@NoahNollens]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website… thank you for sharing.

[@jonathanunderwood8101]

Hi Nischa, I'm really glad you backed yourself and created this channel. Your videos are excellently made and very informative. I just want to say thank you. I wish you nothing but the very best for the future, you deserve everything.

[@Joshky.27]

Maybe I missed it, but I didn’t notice anything directed toward the topic of generosity here, which is an important part of our finances. You mentioned spending/saving/investing regarding which buckets you can drop your money into, but I’d argue giving should be a fourth bucket. It’s important to think about people around us that need help with a tank of fuel or groceries. Give a little until you can give a lot.

[@PauleAraiza]

I have two pensions. I would much rather have had a Roth 401k throughout my working lifetime. $500/month invested from 25 - 65 at 9% is $2.3mil. I have $100k that i like to invest in a non-retirement account, Where would you invest this as of now?

[@CATRINAHK12]

You're right, I and a few Neighbors in Bel-Air Area work with an adviser who prefers we DCA across other prospective sectors. Instead of a lump sum purchase, Following this, my portfolio grew 35% in the last quarter

[@YNZUNZA-s3p]

@@CATRINAHK12 I've been considering getting one, but haven't been proactive about it. Can you recommend your advisr? I could really use some assistance.

[@YNZUNZA-s3p]

i've been considering getting one, but haven't been proactive about it. Can you recommend your advisr? I could really use some assistance.

[@CATRINAHK12]

I work with the popular *Victoria Louisa Saylor* , Who happens to be a is a hot topic among financial elitist in The US. Especially for her works during Covid. All the information you need to set up an appointment is on her web page.

[@YNZUNZA-s3p]

Thank you for this pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a calI session with her.

[@juanspte14]

You are my favorite Financial KZbinr. I love the way that you use to explain each topic in detail, with real examples and the properly actions for reach our financial goals. Continue doing this good job. Greetings for Medellín, Col.

[@LoganGabriel6m]

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@SophiaChloé6f]

I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@AbigailOliviaq4l]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@GraysonNathan-v8y]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.

[@AbigailOliviaq4l]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@GraysonNathan-v8y]

Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.

[@DaleyRetro]

Whilst my bills are currently 57% of my income, I know that once my £600 a month Childcare Nursery Fee goes away in 2026 (when my son starts Primary School) it'll come down to 48% meaning I can save even more for my family's future. Having all this planned out in a Monthly Spreadsheet really helped me to understand my future saving potential.

[@Kate-pw2ju]

This video is incredibly inspiring thank you. It has made me realise that my goals are probably very different to those around me. Firstly my goal is getting out of debt, something which i have been doing for 5 years and in a few months will be a reality. Second will be purchasing my own property, thirdly being able to earn cash doing something i love and then after this will be saving for financial freedom and retirement. I am a little later to gaining this financial knowledge as i am 40 now, however with people such as yourself i have turned my life around. Thank you so much this is wisdom i will know carry forward with me

[@MynameizAmi]

Hi Nischa, have you previously done a video on whether it's better to overpay on monthly mortgage repayments or make additional contributions to our pensions? I'd love a video on this subject 😊

[@alexandercrump2298]

@Nischa I took a break from your content for a while as I was busy and, coming back to it now, it blows my mind how high quality it is. Thank you for making the call to pursue this professionally. I'm a trained accountant and tbh don't know much about applied personal finance

[@hnnhml]

could not agree more (also as a non-accountant)

[@Rollaven]

Hi, I was wondering what your thoughts are on paying off your house asap instead of investing or a high interest savings account. Love your videos, keep up the good work 🙏🏽

[@kimimate]

Further videos on retirement planning, future investments and the 4% rule would be excellent. It seems like a lot of retirement advice or planning is gatekept by financial consultants or advisors, but like investing it's vital for this information to become more accessible to the general public. (plus to spread awareness of how vital early retirement planning is) Amazing as always Nischa!

[@Jonet01]

Yeah I’d like to see more on the 4% rule too.

[@pavankulkarni1109]

I am in early 30s and never had the understanding of the importance of saving and investing. Now I am learning and feel overwhelmed that so much of time has slipped through my fingers and not understanding what my focus should be - a house, future, or financial freedom.

[@SariahSavvyTips]

Better to discover at 30 than 50.

[@yogajaxx8299]

If you're only in your 30s there's still plenty of time! Pay into a pension as soon as you can, bc over 30+ years that will compound. You need a lot more in your pension pot (or other investments that you've earmarked for retirement) than you may think. In my 30s/40/s50s I didn't know about all this either, and now I'm almost at retirement with very little pension. Plus by the time you retire the pension age will probably have gone up to 70+, and even then the state pension does not cover living. So, start now, not too late!

[@tagbon]

Nice video once again. There's always tradeoffs to think about. My current focus is - pay down a debt, then try saving for a house deposit.

[@Bearded_Bro]

Thanks Nischa, youre literally the only channel on YT that i watch regularly and often download your generous free tips and guide. Many thanks for everything and God bless you.

[@NikitaMcLauren]

Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.

[@EnriqueCarrasco-z3j]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.

[@SoledadHughes-q2i]

Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@GrandtHudson1]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@SoledadHughes-q2i]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@SlavoPetrovic]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@deemitchell8450]

Nischa great advice as always its taken me 90min to get through a 12mon video because ive had the pen and pad out mapping my future. This video was key for me because i was getting caught up too much trying to save for everything at once but now i know just be more focused on one Goal first then go for next

[@hnnhml]

ditto:D

[@BaileyJames-zv2ddd]

Our economy is afflicted by uncertainty, housing troubles, foreclosures, global shifts, and the aftermath of the epidemic, all of which contribute to instability. To restore stability and drive growth, all sectors must urgently address rising inflation, slowing GDP, and trade disruptions.

[@AlexClarkcompany]

The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.

[@OscarOwenn]

With my stressful career, I don't have time for investment analysis. For seven years, a fiduciary has managed my portfolio, responding to market situations, ensuring for effective navigation and informed decisions. Consider taking a similar plan of action

[@BaileyJames-zv2ddd]

How can one find a verifiable financial planner?

[@OscarOwenn]

My CFA, 'Leah Foster Alderman', is a well known figure in her field. I recommend looking into her qualifications further. She has extensive knowledge and is a treasure trove for anyone seeking to manage the financial markets.

[@BaileyJames-zv2ddd]

She seems to be literate and well educated. Thank you for sharing, I found her webpage when I searched for her online.

[@ethicalbunny]

Would love to see videos aimed at normal people on how to manage money! As for most 50-60% on essentials is not realistic so it would be good to understand what to do if you only have a few £ to play with or how to reduce essential costs

[@owenanderson2633]

Just readjust the figures to your salary bracket. Google a percentage calculator and put in the figures Nisha is putting in. Once you get the percentage amount, adjust it to your equivalent salary.

[@Munene-1]

True story ✌️

[@otiliaruscanu4181]

Principles are the same

[@applefarm6126]

It’s the concept she’s teaching. Same thing.

[@applefarm6126]

@@owenanderson2633I thought this would be implied, people are complaining.

[@lynneward9945]

I just found your channel this week and you are exactly what I need! So thank you, content is spot on.. I’m turning 60 this year and recently obsessed with creating passive income. I haven’t figured a side hustle yet but I will.

[@tomgreenleaf7906]

First, I really appreciate not just the clear way the principles are explained, but the sense of optimism and good cheer that permeates all these videos. The encouragement to start taking charge of your money is indispensable. Second, people are getting bogged down on specific numbers, and missing the bigger picture. If you are not making enough to feel as though her advice is for you, then you need to earn more (see side hustle or invest in developing better paying skills) or reduce your costs (apartment instead of a house, public transit instead of a depreciating asset). Third, what is the theme of these videos? It is to follow your dream, and NOT to be restrained by financial decisions you might have made. It is always possible to improve your life, and that starts by wanting to, and thinking you can. Thank you Nischa for sharing all your thoughts on these matters, they have really helped my clarify my own thinking on financial matters.

[@AnaLeiman]

great insight Tom! fully agree

[@james_andrews98]

It’s all about mindset and sacrificing. Even if you can save/invest £50 a month. That’s still fantastic. Continue to build on that as your income grows. The £5700 is just an example. Obviously the more you can save the better but everyone starts small. You just gotta start people.

[@AnaLeiman]

it is all in the power of small steps indeed

[@GoluYadav-bq2ki]

I want to say thank you to the guy in the comments who recommended Unimantic to me. You've been very helpful. Thank you!

[@ZakiyaAbdullahi]

You really can't have it all at once, but marketing and society has bamboozled us into thinking we can with access to easy credit traps. Prioritization is extremely beneficial with cost cutting, to determine fundamental costs, and the left over margin which is the cashflow. Something is wrong in the budget, or our priorities if there is no margin left over from cash-flow to allocate for saving/ discretionary spending/or investing.

[@robertsimpson-hl3zd]

Simple and very consice statement made by you. If we slide or fall off our financial rails, we should all re-read your words of wisdom. I was happy to have read your thoughts.

[@saranrajbalag4932]

To be honest, you are one of those rare content creators who has some useful tips to share!

[@Honey-vm8xg]

Nischa, your videos are amazing. I'd like to ask some super specific questions that relate to my community: the ultra orthodox jewish community. We have big families (big expenses), lots of family celebrations (bar mitzvahs and weddings), requirements to give charity, premium cost for kosher food. It is generally a financial challenge. What are your top 3 financial management tips for a) big families, b) community focused people. I would love your view on this. How do you balance meeting all of the requirements of daily life with big life events (which thankfully happen quite frequently, yet are very expensive)

[@HarishChouhan]

I came across your videos more than a year ago and I realized before that point, I was over confident about my future so never thought about retirements, etc. After tracking all expenses and finding a good balance in the quality of and my wife's life, we have been able to keep our total expenses to just 30% of my income and just realized how much we can save. But now feels like If I had started investing 5 years ago, it would have been so great, But it feels like I am satisfied with how my life is so feels easier to save a lot more. Thanks again.

[@nischa]

Congrats, super happy for you!

[@barmy_irooni]

@@nischastop telling fibs!!!

[@nicb09]

Finally a straight forward explanation. Thank you Nischa.

[@Moodiano]

It sounds like Dave Ramsey baby steps except the credit score part because there's no a NEED for it. Thanks a lot Nischa I've been following you since you had less than 1k subscribers I feel like I've been growing in all aspects and all goes to you really, wish you all the best ♥

[@thesawnofgod]

This video is a game changer. This is the sort of information people pay a lot of money for - thank you Nischa! Hopefully I can add value to you when I am beyond financial freedom!

[@mikekujawagvsu]

I wish I could find more women like you in real life. Smart, Beautiful, Financially savvy. Hopefully this video is helping many ladies become more financially savvy. I enjoy them, very easy to follow and to apply. Have a blessed day!

[@palebiss1646]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are ridiculously high and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways

[@AdamWright8fool]

The stock market will plummet further, so I advise you do critical analysis on companies you are going to buy. Even better, you could have an investment adviser guide you restructure your overall portfolio and offset the bad apples you’re holding, that strategy’s been working for me so far, saves me a whole lot of stress and continuous anxiety and also it’s very time efficient.

[@palebiss1646]

Very well said, who is this adviser that guides you and how did you find them? I don’t seem to find any locally and I’ve been having a terrible year.

[@AdamWright8fool]

*Leah* *Foster* *Alderman*

[@AdamWright8fool]

You'll probably get more information if you do an internet search for her

[@bossqueen_lala3098]

It matters not how much money you save, but how you handle it. Whether you work for a living or invest, it still boils down to revenue vs. expenses, so sure, you may look into financial consultants for a strategy that suits you

[@portiadane6020]

Excellent video Nischa, I like how you explain how to prioritise your financial goals and how, depending on what you choose will effect achievement of your other goals.

[@SamHeughan-uc9xd]

Hello, I want to start investing, but I'm unsure where to start. Do you have any advice or contacts for assistance?

[@dreambig0003]

this is so helpful for a graduating college student like me, since I'm looking for a guide on where and what should I save for first cause I'm confused how can I save for all of my plans and goals, now i understand it better

[@clairejohnson8301]

Their margin is so much larger than my take home pay. It would be great to see an example where the take home pay is around £1500 - £1800, which is much more common!

[@toyatv9130]

Awesome video 💎 I’m focused on building my Emergency Fund right now. I’m 24 & have been an RN for 1.5 years. I loved having the freedom to resign from my old job & now work at a hospital with more prestige & room for growth. The cash freedom really allows for better quality of life 💵

[@Sean-jx2wj]

This is my favourite video of yours so far, thank you.

[@als7132]

I am retired and in my early 70’s. I focus on having sufficient funds to live comfortably in my retirement years. I work to maintain a debt-free lifestyle and live within my means. My focus is small intrements of 3 years to 5 years. Thank you for your sage information.

[@larsalbrecht6964]

You lost me at 5700£ per month for a single income. Was really looking forward again for your advice for an average salary.

[@ratsliveonnoevilstar1]

@ruththompson7891there’s loads of people trying to prop this up from the PR team eh. It’s out of touch just like our government

[@RB-xr6mi]

Absolutely ridiculous considering the average UK wage is £25,000

[@le16pard]

@@RB-xr6mishe isn’t targeting you it’s a random number. You didn’t let those maths exams offend you because they didn’t use your name and know how many apples you had!?😅 Obviously the important info isn’t going in.

[@ivytiti1392]

Why not target on average. That will make more sense and be realistic. The higher or lower earners can then adapt.

[@le16pard]

5700 is average to me 😂

[@Controlledfinance]

You inspired me you start my own finance channel, you are amazing ✨

[@hnnhml]

you go girl 🙌

[@LouisDillard02]

Thinking about it now, I see that managing your money is really all about building a secure future with each smart decision you make.

[@beninahu9951]

My main focus right now is to save up to start my own photography business! Right now I’m in a comfortable office job that doesn’t give me fulfillment and I’m dreaming of becoming a full time artist/photographer. Right now I already have a side hustle as a wedding photographer but my dream is to buy a small caravan and convert it into a traveling photo studio/dark room and give art workshops. At least it motivates me to get through the work day 💪🏼

[@victoriabeyearealtor]

Our main goal of the last several years was to pay of our home. We accomplished it last month and now we are deciding what our next goal will be.

[@alanvlog3442]

Find the book titled Secret Pathway to Triumph. You'll learn all the money attraction techniques there. Trust me on this.

[@KeuberJoel]

The tutorial is easy to understand from all angles of the world , thanks dear

[@funny_re12]

it's kinda crazy how nobody's talking about the forbidden ebook called Secret Pathway to Triumph

[@jamesdongvideos]

Everyone complaining about the £5700 take home pay figure, but still many people earn this amount and struggle to break free from the middle class into upper class. I earn less than £5700 but can still learn something from this video.

[@demetrasmith1922]

I was able to take money out of my investments to help with food and other needs and I’m not making 5k a month.

[@katcons1991]

Thank you for this video. I could relate to every section you have focused on. The clarity and breakdown really helps.

[@hamzahakbar8633]

This was great Nischa, thank you!! Really highlighted the mindset required for reaching certain goals. Also put into perspective how i can’t achieve every single goal at once, there are trade-offs 😊

[@a.j.626]

thank you for all the advice. do you think you could make a video with a focus on students and how they can be conscious about savings and investments while studying? that would be really helpful thank you 🙏🏾

[@Munene-1]

I tend to believe it could be great if you include common person earnings in your future videos 🙏🤝

[@welcomelove3738]

Great video Nischa! You always have amazing breakdowns ! My focus right now is on raising capital for a company I’m starting and then saving as much as I can to obtain financial freedom (The option to work , not the necessity ) as soon as possible.

[@hnnhml]

all the best to you 🤗

[@Jonet01]

Great info video as always Nischa. Enjoyed the reminder that we all have an opportunity cost to pay with every big ticket spend!

[@FakeShark333]

My goal is financial independence, but in a balanced way where I enjoy life while I'm young and not just in retirement. I can't see the value in buying a property right now, especially when I can rent the type of property I want at a lower cost than buying. Nice to see you comment on how this has affected your opportunity cost for financial independence.

[@lilly_ann]

Thank you for this video. Very much needed. They don't teach you how to financially plan for your future in school and this information is very important and useful

[@LearnGermanwithMarzipanfrau]

Thank you for your explanation. In Switzerland this salary is considered around average, but the fundamental costs are increasing rapidly and a lot of people are struggling. So it's always good to know your saving hacks.

[@__ThisisJ__]

Alex is Nischa, those scriptwriters are so good in this Tv show.

[@JarrelEmmanuel]

Honestly at times I think Nischa doesn't know what a normal starting point is for many. She teaches some decent fundamentals but please in macros as though we all start out in life with 100k after uni.

[@0501Talina0501]

very grateful 💙💛 it's now, one of my favs from financial KZbinrs

[@vulanichabalala702]

Thanks Nischa for this video, it's very motivating to even see the time frame.

[@FouadBallan]

amazing video Nischa , a hybrid of both Ramit Sethi and budgetnista

[@patrikvida3134]

so good to hear something like your content. I would like to start saving much earlier but sometimes it isn't easy

[@flowigens6985]

Great advice and easy to understand, Thankyou @nischa. Something I’ve started to think about is what to do about a uk student loan as salary increases overtime. Would be great to see a video about the positives and negatives of various routes to either pay it off or not 😊

[@papajahmani]

Sharing the living costs (flatmates or communal living) haa been a gamechanger for me. I’m in my late 30s and still share a flat with my spouse and a flatmate, which helps to keep the costs down

[@feyissatadesse1165]

You are gifted naturally, and you made your self smart, sharp, and are sharing big value in the life of world. We loved your contribution ! Keep it up !

[@micheleminer9499]

Hi Nischa, should we be afraid to spend on little extras during retirement because of the increasing cost of living? How do we manage this situation?

[@cyrillhaller]

Great video! I'm focussing on growing my investments at the moment. The biggest challenge I am facing with this, is not forgetting to live and to have fun in the moment as well. Because if you don't do that, once you reach your goals, your life might have passed by you more quickly than you realized.

[@averagemillennialinvestor]

Alex makes 68k a year and wants a 500k house. Stop right there, come on... She gives an example to save for a house but then when a mortgage for 400k comes through, that wipes the whole monthly paycheck.

[@richgoodman5734]

Alex has takehome of £68400, which is £100k . In this example yes easily available. Newest for example will lend upto 450k, covering the 500k property. monthly costs of £2267 on a 25year mortgage.

[@averagemillennialinvestor]

@@richgoodman5734 40-50% of your take home pay is way too much house. There's no way a person that net's 68k should be buying a 500k house.

[@forthepeople-r4p]

Great video Nischa. Opportunity cost is something that I always need to remind myself of. I wish I could invest money in all places at the same time, but that it is very difficult. Right now I am paying off my credit card debt and at the same time saving $10,000 as an emergency fund. Those two categories are taking up most of my available net cashflow. After I pay off my credit cards, I want to put $2000-$5000 into a Roth IRA and maximize my contributions hoping to get a 10 % return on my investments. All my investments will go into index / ETF funds. However, I also want to save up for a downpayment on a house and with how expensive houses are today with the interest rates at 6-7%, I really don't know how I can save up for a 20% downpayment in less than 10 years. It is extremely difficult. And I also want to travel as I am 35 years old and have not traveled much. So many categories that I want to contribute my money to, but the economy is not making it easy.

[@xhenryx14]

I started working at 25 as a Software Engineer, I saved to travel and to take a sabbatical year to study in a Bible Institute in Europe, by 30 I had visited 25 countries and finished a masters with focus in games and animation to change career. Now I'm 33 and I saved an emergency fund and I resigned from my job in games to go back to tech. My current goal is saving for an apartment for the next 3 to 5 years, and early retirement in the next 10 years.

[@lauraalmeida6090]

I'm currently a finance college student very interested in wealth management. Do you have any tips on resources of where I can learn more about it? I loved the video!

[@mattimuspearson]

Im enjoying your content. Very relatable and easy to understand.

[@Broker-in-Maine]

Very thorough info and detailed explanation. I watch a lot of financial content and your videos are excellent.

[@harinda]

Thank you for your coherent and concise presentation of these financial tips. It really helps

[@thabomosia8985]

Thanks for this video, and I will evaluate my plan again, but this video is going to help a lot regarding which option to select...

[@JustinHyneswashplant26]

I would say the finical goal of figuring out the balance of wanting to retire early and wanting to take advantage of the tax advantage accounts (which would longer term). Also figuring out the “living now” part and not just minimizing every purchase for maximum investment growth.

[@FloydC-kn6no]

Thank you for putting up another great video! It is well edited and the values can be scaled up or down based on personal circumstances.

[@AnaLeiman]

@Nischa -Nischa - I absolutely love the quality of your videos. Your style of presentation. I know how much work goes into producing the content of this high standard as I have just launched my youtube channel too. And kudos to you for explaining all the finance concepts in layman terms - as a chartered accountant and senior finance professional -fully agree with your explanations and approach. Though for Australia and Sydney some things are slightly different . Keep up great work!

[@Techcoder208]

I’m usually watching till the very end but by the time I want to click on one of the end screen links, the video ends abruptly. Maybe adding an extra 3 seconds will help in deciding and choosing one of the end screen links. Or there could be an outro at the end.

[@rebeccaa.3121]

The salary mentioned in this video is not relatable to most people who watch youtube for advice. Rich people don't go to youtube for advice, they hire an accountant, tax adviser etc. To operate with such high numbers is very discouraging for many people with low salaries. And motivation is key to improve your finances.

[@s.m.4198]

I still don’t understand why financial gurus say renting is better than buying. I’m still giving this amount to my housing cost each month but at least at the end of the loan, I own the home. Then I can save that money each month. So maybe the goal should be to buy an affordable home within 15 years.

[@seantormey3531]

Currently focused on trying to reduce debit and implementing some of your ideas from previous videos. Thank you for your videos and ideas.

[@sb10101]

I have no clue how much you spent on marketing, but your videos are all over my feed...

[@ferose1008]

Brilliant videos, love all of them. Easy to understand and relevant 💯👏🏻💗

[@hnnhml]

agreeed🙌

[@micheleminer9499]

I think your videos are excellent. Congratulations on your success.

[@jeffandsherriefranzwa8970]

Good content, and I love your British accent.

[@Alexibawendi]

You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life