11 Money Habits Keeping YOU Poor
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Timestamps:
0:00 - Start Here
0:20 - Paying for Status
1:44 - Friends
3:28 - BNPL
4:33 - Not Saving for Future
5:47 - Impulse Purchases
7:06 - Minimum Payments
8:26 - Cheapness
10:09 - Forgotten Subscriptions
10:59 - Not Tracking
12:34 - Not Investing Sooner
13:53 - Tax Strategies
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I love your content and I love the pure honesty in the advice that you give I really enjoy your content and I do find it very educational, but as it stands, I simply never had the clarity of mind to apply your advice Hopefully, this year, I will rewatch your content and soak in more info to perhaps better understand what goes into your field and if I could see myself in your shoes in like 5 years Much love man and please keep making these
You produce clear, quality, and concise content. Thank you.
Hi I’m a 13 year old scared that I will be living in the streets I wanted to say if you could make a video on how can I start making money under a legal guardian and how when I’m older how I csn put that money in a bank account so that it can give a boost just like a interest
I drive what will survive the winters where I live, I cant afford to buy a smaller car that won't escape the snow I refuse to use any buy now pay later systems, I know for a fact that they are scams dude ... I live paycheck to 2 days before the next paycheck I am paying for nothing extra right now and cant afford ANYTHING I don't even have a credit card bc I cant afford it
"People going broke trying to look rich"
True statement.
Going rich by looking poor.
Agree that’s the root of the problem for most people
@@joimumuthat is definitely not the root problem for most people, you'd like to believe that though
@@baruk9706if your middle class its at least a chunk of it. Listening to marketing and manufactured need would be another chunk.
Never forget- it’s not how much money you make, it’s how much money you keep!
True, you could be in youre 40s making 60-70 k and it’s what you do with what u got left that shows if ur good with your money.
“We buy things we don’t need, with money we don’t have, to impress people we don’t like”
Very deep and true quote. ~ fight club
Let's start with that daily cup of coffee
“Being cheap” isn’t always a bad thing. Knowing where/when to be cheap is a better tip. Like your t-shirt example, you can find great quality items second hand at thrift shops or from friends looking to get rid of them. On the other hand, buying a cheap lawn mower will most certainly not benefit you. Know where to shop to get the quality things that will last. 👍🏻
High school student here trying to save money having a part time job. Watched this video and learned a good amount.
I am starting my first job in about a month, and I happened to find your channel about a week ago. It has got me to think about how I will save my money properly especially after hearing the stats about the average American's savings and emergency reserves. Explaining things in the context of the current 2023 market also helps a lot. I am on my way to financial literacy thanks to you!
Awesome!!
My advice, get yourself into a 5 yr old car like a Toyota Corolla, Hyundai Elantra, Nissan Sentra, Ford Focus....etc. Any of those cars should last you at least 10 years. Try to pay cash for it and if not, no more than a 3 yr loan.
@@striperkid Appreciate the advice! I am extremely lucky that my parents got me a car while I was in school. My friend has his dad's 1999 Honda Accord that's still going, so I am hoping my 2015 Civic will do the same!
Yes please beware of lifestyle creep! You *will* be tempted as you earn more money. Also your significant other has to be on the same wavelength or your sacrifice will be all for nothing. A person with a bad spending habit is mentally ill and you can’t fix their trauma where spending money makes them feel whole again. It is okay for that to be a deal breaker.
@@beanberg A Honda Civic is an excellent first car. If you make sure to stay on top of scheduled maintenance, there's no reason it won't last for well over a decade. Keep it up, you're on the right path!
I think “poverty culture” is a thing. Not only people struggling financially wanting to look rich, but how they handle money when it comes there way. For example, my best friend grew up with a single mother who had drug issues. He probably spent a combined 5 years of his childhood homeless. Fast forward to present times (we are 25) he’s making an above average income. But this guy HAS to spend money when it comes in. Got a 20k bonus from his job, bought a BMW, fridge breaks so he buys a $3000 smart fridge, etc. I think all the years he spent poor has resulted in him feeling the need to enjoy nice things.
I just sold a property in Portland and I'm thinking of putting the cash in stocks, I know everyone is saying it's ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
@MariuszJankowski84 It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.
@MariuszJankowski84 Hi, please who is the expert assisting you and how do I reach out to them?
Not good time for stock market now, put your money into deposits to get your 6% per annum in dollar and wait until the market crushes
The part about being TOO cheap often applies to me. It's almost the same as spending money for status. Except I avoid spending money and enjoy negative attention. 😅
lol are you me?
@@claireworld_ 😂👌
The Buy Now Pay Later is definitely a much bigger risk than is implied. The other big issue for me is not realizing how quickly $15-$20 purchases adds up when making online purchases especially when charging it to a 0% APR credit card. You need to have a budget for everything and if you spend too much, lower spending instead of sometimes increasing spending due to guilt or dopamine hits.
I mean it depends massively because if you manage them effectively and only do say 1-2 at a time then you are never in a serious risk. So for example Klarna - You can split the payment into 3 payments which as long as you stick to those payments and stick below certain values, means you aren't dealing with interest charges, etc. Its not something people should be using all the time, but in small doses, its fine.
I've been tracking every penny of my expenses since 1996 and went from taking out cash advances on my credit cards to pay the minimum on other credit cards to now having my savings and investments earning me more annually than my actual salary. It was the single most important thing because it helps with the other 10 things on your list too.
I love your videos. Unfortunately, it's been a while since I visited I am experiencing one of the most challenging phases of my life. Lost a fortune investing in emerging companies. Hopeful, the markets will go back up so I can be happy again.
@Nim Hermann I don't fully support the idea of working with experts most of them are crap and self centered. let him count his losses and move on.
@Nim Hermann Any idea how I can reach him? I love the testimonies I have seen about him by Chris, Brian, and some other people on cnbc make it. He seems not to own a video channel here.
These people are scam artists, if they mention a name or phone number you should report them as unwanted commercial content.
@@nimhermann3lmao at the fake spam
Hey Humphrey, I found your channel this week and I love learning from your perspective. I created my own Excel Spreadsheet in college that tracks every penny I earn and spend, and I believe it’s made a major difference in my financial well being. It’s even allowed me to know the exact amount of what my normal paycheck, monthly water bill, or even my usual McDonald’s order will be even before I log the transaction because of this habit.
My wife has a mobility problem and thus destroys shoes. She used to get cheap footwear because she was not gonna spend money on items that would get trashed. I finally convinced her that that was wrong way of thinking and "made her" get 30 EUR pair of Reeboks instead of the cheap 10 EUR offbrand sneakers. She usually has to buy new sneakers every year, the Reeboks already have 4years and are still usable.
The one thing my dad told me to not cheap out on was shoes. Our feet carry our bodies every single day. I completely agree with you
I hate subscriptions but when you said the thing about loved ones I immediately knew that was my problem.
From experience, learning to cook is one of the greatest investments you can make. Saves a ton of money. Growing up in a Mexican household, I have no problem eating beans and rice several says in a row.
@HumpreyYang - could not find the " master sheet" you said was linked below ? Where can I find it? Love to take a look and see how you format yours. Thanks.
I follow the buy more expensive pieces of clothing advice. I used to buy many shirts/pants/etc every month from cheap fast fashion spots like H&M. This is because the quality is so low they shrink, fade, or rip easily. Also mentally I think “these are cheap so I can buy them frequently”. Now that I buy expensive quality pieces not only are they better quality therefore lasting longer…but I also take care of them more and every time I want another piece I say “hmm it’s expensive, I don’t need it at this moment”. Over the few years I’ve been doing this I have saved a lot of time and money on clothing. I do the same my electronics, example skipping on $20 headphones that’ll wear down quick (internals, ear padding, wires, etc), and opt for the $120 headphones that’ll last longer and provide better performance.
I am absolutely horrible about spending money on friends and family! I don’t like feeling stingy cause naturally I think I’m a little greedy so being generous makes me fell better about it. But it definitely keeps me broke!
I stopped that when they weren’t giving me things too. Realized later that they were either not people I wanted in my life, or they simply had a different love language. My bf appreciates food dates and quality time more than little trinkets I find him
The advice in this video is marvelous. It is simple enough that anyone could follow it and directly actionable; well done.
Thank you for explaining the buy now/pay later options. I've never used that type of service, but I often see it as an option when I checkout. I wondered why they would offer it, interest-free. I assumed the funds were automatically deducted from your banking account, so no late fees would not be a problem. I see now they are taking the chance you just won't have the funds to pay it off at all and they charge exorbitant fees.
I could not find the blog post about common tax deductions... Love your channel!
The younger you learn all this, the better. I made the same mistake, financing cars, buying expensive clothes just to feel rich. Now I drive a Nissan Qashqai, don’t drink or smoke, have more money in the bank then ever before and watching sound videos just like this one! Thanks for the vid 🦾
These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $100k now to put in the market.
Understanding personal finance and invsting will likely lead to greater finanncial independence. By being knowledgeable about money and invsting, people can make informed decisions about how to save, spend, and invst their money. I know of someone who made over $350k in this recession influenced market, but to my knowledge it was through a finanncial advisr.
@@glenbert1396 Yes, finanncial advis0rs can make a world of difference, especially in a market like this. Stocks are pretty shaky right now, but if you do the right calculations, you should be fine. Bloomberg and other financial outlets have been recording cases of people making over 250k in a matter of weeks or a couple of months, so I think there's a lot of wealth transfer going on in this downtime if you know where to look. I have been using an FA since 2019 and I return an ROI of at least $650k, and this does not include the capital gain.
@@blaquopaque Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
@@baileymclean8186 I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance wealth managers you could check out. I have been working with "JILL MARIE CARROLL" for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.
@@blaquopaque This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
this is gold! you might not become wealthy, but these suggestions could keep you from being poor even if you are not making that much money.
It’s easy to not keeping up with friends if you don’t have any
lol !
surely you have friends, Simon!? If not we, in the comments section, can be your friend
11:09 Most definitely. I used to track my expenses. It helped me become ultra-familiar with my spending habits.* Biggest mistake I made was moving all recurring bills to AUTO-PAY. I’ll just check the summary each week or month, I told myself. Pipe dream. Best intentions and all that. Before long I lost touch with my spending habits. Fail. I’m currently easing back into the expense tracking exercise and it feels GREAT! *This was back in the day, before the interwebz and mobile banking, back when writing checks from a checking account was still a safe practice (the rise of modern “check washing” has put an end to that).
A lot of these are so obvious on one hand, yet for the majority isn't on the other. Thx for sharing 👍 great reminder
It’s crazy how you’re offering all this free knowledge! Another great video
I appreciate that!
I wish I had someone like this advising me in my 20's! Gen Xer here and still catching up!
Glad I found you on KZhead, thank you for your content!
Ronald Banks put a good perspective on cheapness that’s stuck with me. For example I’m heavily into photography and care about my equipment and I bought a Peak Design 30L backpack 7 years ago to this day for $360. Granted it was one of their earlier models and yeah it’s quite frayed now in some areas, the bag still holds up well and if I divide $360 from 7 years that’s $51/year to own that backpack and usually if I make a big purchase what Ronald said was “always think about if I buy this, how much would I end up paying every month/year for that item/service and the longer it lasts the more value you're getting from it."
Addicted to your channel at this point
thank you !
Channels like these are what made me start trying harder to save money. Good tips even if they seem contradictory. *Credit cards*: if you spend it right. You could end up saving money from it instead of loosing seeing as how some give 1.5-2% unlimited cashback. Use it along with ur debit card. After putting money in ur savings, see how much money you have so if you use ur credit card, you know you'll have either enough or not enough money to pay it off with ur debit card. Thats a bit of what ive learned from most of these yt channels uvu
I started tracking my expense to the cents. I’ve started saving a 1,000 plus dollars each month.
I love this video, great work. good habits equate to financial literacy
Glad you enjoyed it!
That's true, you just have to look at the habits of the wealthy. I mean those who earned their money themselves through hard work, risk and creativity.
How did you calculate the investment value? Do you suggest any calculator or sheet?
The good news: I keep my discretionary spending to $25 per week. The bad news: it's all taco bell.
Knowledge is power!
A person is not poor because they lack money; they are poor because their mindset is poor.
My aunt always said there is nothing more expensive than cheap. And I understand the Chinese say if you buy the best you cry once.
These videos are so informative and useful 👏🏾👍🏾
Glad you think so!
For the cheapness, it's true. But for your situation with the car wiring, you have to understand that if something happens to the wires or connector ends, you have to replace the whole harness and that could cost you upwards of $1500 to $2500 on the harness alone without labor. Because of this, patching it up is not a bad thing to do as these wiring harnesses cost A LOT. It all depends where the patching took place and how well it's been done is what matters. Most mechanics are not electricians so patches can be iffy if not done by someone experienced in wiring.
The being cheap one is actually spot on, a few years back I decided to “save” money on an oil change by doing it myself, easy enough the problem is when I changed my oil filter I left a part out, long story short a $100 oil change ended up costing me around $600-700 In diagnostics and actually fixing the problem
That happened to me when i damaged the oil pan, but that didnt stop me and i do my own oil changes, brake pads and some other simple things. One mistake should not stop you for doing it again. Just learn your lesson and try to make it better next time (but do your thing, you know what's best for you)
It's literally the filter if it's a one price design or a filter and a cover. What did you forget? The oil? The filter?
@ryanmg02 that made me chuckle, but I seriously wonder what part he left out lol
@@ryanmg02probably an O ring, some filters need them. Or it was a cartridge and they screwed something up royally lol
I do my own oil and this does not happen
I hate society and how it is: 1) Selfish 2) Selfish with their money 3) Judgemental at every turn - at least it feels like that! 4) I think society is DESIGNED to keep a lot of people struggling and only a small few rich! Which is crazy and cruel imo! .And lastly, 5) society's OBSESSION with money over a lot of other should be more important things! And 6) doing it usually only to keep up with the those rich Jone's that they don't even like! At least that much..
You don't have to do what other people do, you can follow your own path and set a good example. It's not about being selfish, it about being self-sufficient by working and saving. Money gives you more choices in life. Like if you want to go back to school or change careers or help someone. You can do that if you've saved money.
One of my professors in my college year said, "people buy things that they don't need with the money that they don't have to impress other people."
In Spanish we say, “lo barato sale caro” that means cheap is expensive
My one time habit was taking out student loans to go to college because all the grown ups said i should go to college. Even though i don't spend much, have a decent paying job, and try to save money, I'm still just living paycheck to paycheck. Only saving grace is my job has a pension.
Love your videos. You keep me focus on my 100k goal before the end of 2024. Thank you!
Love the advice well needed
From my first paycheck I started, and now over the course of a few years have streamlined a few notepad templates on my PC breaking down my monthly in/out budget and at the end of each month it compiles over to my annual template which tracks my in/outs as well as my savings and net worth (The net worth being updated every 4-6 months). So from day one I've tracked my income/expenses to the cent and it has really helped me to protect myself from the 'money burning a hole in my pocket' that I used to have as an unemployed kid/teen...
which ones do you like the best?
There are things you can be cheap on and things you can't. Don't cheap out on home improvement appliances or contractors.
Thanks for the tips !
Thanks for the great content, and I believe another great asset is our personal health. Having bad eating habits and not exercising will eat away your wealth sooner than you expect.
Thanks. Sharing with neices and nephews...
Food has been costing me $1000s a month. I've been doing my best to cutback on eating out
Hey Humphrey - where do you get your polos? Thanks!
vuori mostly!
Starting early is simple. The best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year’s experience, I was able to build a suitable life because I invested early ahead this time.,..,.,.
I’m celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
Wow, really. I was able to make my $25k on investment
@@tracyholian2944I’m looking for something I can venture into on a short term basis, I have $15k sitting in my savings
Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate
You’re right but a lot of people remain poor due to ignorance
Already blown away at how much people pay for cars 😮
Thank u! love ur videos! Less is more!
Wow straight to the point, great reminder
@HumphreyYang: Nice video. I actually like you including the “cheapness” in there, which I personally hate. You should definitely spend where you should. Cutting corners to save money there can backfire real bad.
Money habits keeping you poor: caring what other people think about you.
What’s the link to the blog post of common tax deductions.
I love the thank you note idea. I'm a dog groomer I do call all new clients to make sure they are happy. But never a note 🤔
I used to suck at saving, even when I would transfer money to another account it was too tempting. So I started buying gold and silver. There was something about actually having a physical thing that satisfied me. It's not for everyone, but it worked for me
Yeah it's the same for me I have some Silver coins and this Silver one hundred dollar plate other people don't know why I buy them and I'm the same with money that is why I go towards the coin method. So keep saving and shop at aldi's when you shop just take a quarter with you lol 😆 oh and bags 🎒
Yes I have a few pieces of expensive jewelry I enjoy wearing it and will pass it down to granddaughters
I've been driving for 40 years and owned an automobile (or 2, or 3) the entire time. Out of those 40 years, I only had 10 years worth of car payments. The majority of the driving time was spent with beaters that I kept running with simple maintenance. I currently own (3) autos now that have been paid years ago. There's no way I'd accept a $600 a month car payment.
Between my wife and I we have four vehicles in our fleet. The median age? 1999 😅
I’m 46 and only had 7 years worth of car payments. That vehicle lasted for us quite a while, thanks to my amazing husband who kept our it well maintained. Never bought a brand new car ever since.
This is the way. My rule is to buy used and keep the vehicle msrp under 15k.
I love how the solution is get richer or earn more money
Can you consider doing a review on bond index funds (i.e., VBTLX), the pros/cons of buying during this current economy, and where you see the bond funds going within your estimate of the future market?
Always helpful 😊
Good advice bro, great channel
That comparison between investing at 25 vs 35 hits hard. I'm late, and that hurts to see.
Love the videos man, been helping me a lot in my journey to get rid of my debt then build for the future for sure
Ouch hump...going to eat at michilin restaurants and then later still hungry just to end up at chipotle. Happens 😅
Which is that link for common tax deductions?
Great tips, thanks Humphrey.
Great video Humphrey!
My company via direct deposit have the ability to split your pay check and send it to different accounts. That way you don’t even see it come into your checking account
I used to be able to do that when I worked at Walmart.
Great video. I like you channel. Informative and very easy to enjoy.
Humphrey my man.... I have put myself through university, paid off all of my debts, 100% own a truck, 100% own a sports car, and still live like a hobo. I burn $400 every 7 weeks on food, my phone is $40/mo, insurance is ~$120/mo, internet is ~$100/mo, and one streaming service is ~16/mo. My best friend is a personal trainer and has a full commercial gym in his garage. Vehicle maintenance is top priority and I do not skimp on quality. Mobility is life. I can not possibly be any cheaper. Rent is skyrocketing (Vancouver area). I save....5%..5%...5%....5%....20% of my income invested plus another 20% minimum in cash. How on earth can I retire in Canada? At the rate things are going, I'll have to work until I am dead to be able to take more than my 3 weeks of vacation per year.
8:25 My friend’s dad used to say, “I’m too poor to be cheap.”
For me, the scariest thing is how easy we got access & spent money we don't have to buy something we don't need.
this is actually really good
Delay gratification early and often.
Interesting insights on cheapness. Some items i would go as cheap as possible especially if it is only a single use or once a year thing. Definitely not a car maintenance when I need the car everyday to go to work to earn money
Looks like common sense, but great suggestions. Impulse buying, guying to impress others. Minimal credit card payments.
Good tips Humphrey!
*You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires..*
@@clintlucky8113This is my 5th wins trading with miss Wilson, she's really the best, I've made £24420 in 18 days working with her
Anyone ??
@@stepheniemattews1818She is an exceptional financial analyst, her services are reliable and transparent and apart from myself, I have never seen any of her customers complaining about loosing their money.
@@johnmcconnell216how do I connect with her?
@@amberlouise5874FACEBOOK
Mint helps me with expense tracking. Zero effort. It’s been mentioned here before.
I've been late with PayPal pay in 4. Multiple times. Never been hit with extra fees
Hi Just ran across your content while on you tube, agree with everything you say, what in your opinion signifies that some one is wealthy? How much money in liquid cash does someone need to have at 66?
I really wish that education about 529 included the very important fact that it's not just for kids, you can make anyone the beneficiary, including yourself. I wish I'd known that 10 years ago. I think a lot of people disregard or under-utilize the 529 simply because they do not know that.
The best decision I made was to setup a separate savings account that a portion of my paycheck would go into. It’s Marcus by Goldman sacchs and it earns some pretty good interest. Is saving 15% of my paycheck too much? Having parents who were not good at budgeting and make poor financial mistakes has absolutely scarred me for life
Is some of that 15% invested? Are you using a high yield savings account? What's that money for? I'm sure Humphrey has a video on what to do, but a quick glance didn't give me a video title. I know Tae at the Financial Tortoise has a bunch of videos that will give you a step by step guide on how to manage your money successfully. I like Tae for practical tips, and Humphrey keeps me in the right mindset.
this is an excellent idea! and you are defo on the right track! You may find Barefoot Investor or Rich Dad Poor Dad tips helpful as well. There are many who advise living off of 50% of your income (ie: essentials like rent, utilities & transport) and "investing" the other 50% which means: 10% for charity to give back to your community and help those less fortunate than you (unless you have debt, then pay your debt off first) /10% for emergency funds (ie: separate savings account not available on your bank card that you automatically contribute to when you get our pay cheque & is used for unexpected expenses like medical care or home/car repairs/10% for you & what makes you happy (ie: do something for yourself once a week that brings you joy)/10% for self-development that will increase your income earning capacity (ie: training or experience)/ 10% for investments like bonds or time deposit (your savings earn more which will not be quickly accessible if needed)
This was great, thank you !!!
1) Don't get married - you will lose half or more of everything you worked so hard for to a woman(in the US) 2) Stop trying to compete and impress friends or family or fall into guilt trips 3) Stop Using Credit Cards or trying to take bank loans (Cash is KING, Having Solid Cash is your Credit!) 4)Live within your means( stay looking broke or normal as you are is better than trying to be flashy with your wealth everywhere you go, people will rob you broke from the feds to the hood rats) 5)Be debt free, pay it off right away... Having No strings attached mean you're unstoppable and have your freedom.
1:57 meanwhile Christen was saving those receipt while Humphrey was not.
Love thus video❤ Great job
Does anyone see the tax deduction blog post link?
I had the same issue with the bmw dealership here and had an independent mechanic fix it properly. Took him a month though.