How To Manage Your Money So You Never Go Broke

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Title	:	How To Manage Your Money So You Never Go Broke
Lasting	:	12.58
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What are your creative ideas to make money outside a normal paycheck?
Comment from : Austin Williams

Austin! Your energy is so calming towards such an anxious topic! I love it Thank you for giving us hope with finances
Comment from : Omni Roberts

Very bright analysis Credit GOES TO Your PARENTS WHO TAUGHT YOU TO HELP OTHERS
Comment from : Mohammad Chaudhry

This is literally Dave Ramsey’s advice but he’s missing a major component: PAY OFF DEBT before investing and before saving a 6mo emergency fund The minimum emergency fund should be $1k
Comment from : Christel Bitoon

I currently have an emergency fund, six months fully funded I also have an auto repair and maintenance fund When I popped a tire for the first time ever in my life last week, my biggest concern was not how I was going to pay for it, because I already knew how I was gonna pay for it I was only concerned about getting my Uber riders to their destinations, since obviously, I wasn’t meant to be the one to take them I found a shop that had my size tire, and was back on the road making money in short order And I was even frugal, by opting for used tires instead of new ones
Comment from : Lisa Reynoso

I totally agree with you That is exactly what I am doing now I am almost done building up my emergency fund After that, I will start participating in my company’s 401k I am debt-free too and it feels totally different now At work I feel more condident and at-ease I don’t have to work extra hard to impress my boss, kiss ass, nor work super hard for promotions because I know I have a strong financial footing and stability Like if I chose to stay at work, its because I respect the boss that I work for, i like the job, and i like the coworkers I am now the one choosing which company or the boss I want to work for Unlike if you are living pay check to pay check, its the other way around were you beg for a boss or company to choose you
Comment from : Anonymous

Do you want to be rich or make people rich? That's the question
Comment from : Simon

Taking early notes from Warren as to the importance of sound asset diversification and risk management It can’t be overstated I’ve been trying to grow my portfolio of $300K for sometime now, I would greatly appreciate any other suggestions
Comment from : Adonis Orion

My p0rtfolio is plummeting significantly, I’ve lost about $320k within a few months and I'm not confident about picking st0cks anymore Are there really no other options for me to gain from the stock market?
Comment from : Bradley Keith

Ok I’m listening I want to learn amigo
Comment from : Maricel Franklin

I am from East World 🌎brbrMe and my lovely 🌹 we are professional employeesbrbrWe have great job+ we have Passive income ( we own Net cash 3 bedroom house+ we own Agricultural land+ we believe in saving method called Hot Asset Gold Builions)brbrWe are loving it 😂
Comment from : Arafat Bukhari

Wow, you are so inspirational Thank you for sharing this useful information Que Dios siempre te bendiga!
Comment from : Miriam Perez

Give me a like if you get paid and go broke on the same day it's depressing I feel so stupid everytime I do it every time I get paid I wanna buy this I wanna stop this vicious cycle
Comment from : kurtis cunningham

You made this in a way that is understandable and doable for me With other people just going the route of invest! invest!, but you are just struggling by Thank you so much and hoping the next time I comment here, I would have at least be halfway through saving my emergency fund Having the equivalent of $900/mo paycheck, it's gonna be a long way
Comment from : Soli Cynx

Hello 👋brbrAustin,brbrExcellent 👍 video, I am from East World 🌎 brbrI have Active income, I also have Passive income ( Agricultural land+ My house 🏠 downstairs portion on Rent)
Comment from : Arafat Bukhari

Note: you do need to keep adding to your emergency fund as it needs to keep up with inflation It must “always” equal 6 months of expenses as those expenses increase 😢
Comment from : Jane Knight

Thanks for sharing this video This is so valuable for me I hope this go viral This is really gold
Comment from : Oyvind Ludvigsen

Hi Austin, I just came across your vlogs and I have already watched 4 in a row and I have to tell you thank you for the way you present money and how to handle it I have already started writing down my bills and tracking my personal budget My eyes have widen already because I am right up there with the retail therapy Keep making these types of videos because in the short time you have explained better than buying a book on personal finance which I had to stop myself from buying,
Comment from : Randy Roach Jr

Bro your videos are really awesome I think you are gifted and blessed
Comment from : Akida Taylor

Thank you! ❤
Comment from : Jackie Lou

I coach others on finances and have been watching you for a while and this is by far the best video I have ever seen to explain how to get ahead in about 12 minutes I sent it to everyone I know and it is so well done and simply laid out that anyone can understand it Well done sir
Comment from : niki claypool

Investing my emergency fund from the moment I start saving is something I am considering In my area, there are online banks that offer daily interest payments on deposited funds This means that I could potentially earn enough interest each month to cover a utility bill, while the initial capital remains intact I am thinking of placing my emergency fund with one of these banks What do you think of this approach? Is it a good idea?
Comment from : MrMoss

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Katherine Flores
Comment from : Debby

Well great video and great advice as usual muchas gracias Austin 🙏🏻❤️
Comment from : monish thomasp Puthenpurackal

Work, spend all, rinse & repeat That is no bueno But this video is muy bueno 🇺🇸👍
Comment from : Abraham S Lincoln

What money ?
Comment from : RedEyeification

Yes frugal living is a game changer, I can say this really works The main thing that helped me with my finances is moving out of my apartment, extra $1000 I keep now instead I'm not rich, but I'm investing in the stock market and I feel much better now
Comment from : DCsegaDH

I love how the angel music comes in everytime you say emergency fund 😂 Love your videos Austin! You're always a great help to us Thank you!
Comment from : R M

Great video Looking forward to the index fund video! Thanks for your insight
Comment from : Dena Rupp

Being frugal allows to make small principal payments to my mortgage It's not much but will shave several years off It also allows me to save five dollars here and there I definitely need a side hustle though if I can figure out how to fit it inbr But you are right about lowering expenses My coworkers are constantly buying snacks/drinks and getting food delivered and I just think about how long it took them to work at this crappy job to pay for it But nobody even thinks about it No thanks I bring sandwich and water from home
Comment from : Cindy LouHoo

slow is sustainable slow and easy is not painful
Comment from : Isabel Becerra

What about capital gains tax?
Comment from : Abraham Steinberg

How would you live in a house with 200$/month rent for immigrants for example
Comment from : Abraham Steinberg

A great read: The Millionaire Next Door
Comment from : Sierra Sky

Hi Austin, Great tips! Paying myself first has been the biggest game changer in being able to save money I'm curious if you have any insight on how to plan your finances and monthly budget when you have fixed expenses, but variable income, such as only having YouTube income, which is wildly inconsistent? Perhaps a future video idea Thank you!
Comment from : 3menandalady

Thanks Austin! This speaks well to where I'm at right now I appreciate you and your wisdom and especially the sense of humor you have The angelic choir around the emergency fund haha So good
Comment from : Obroni Bible Teacher

ever since I subscribed to your channel my financial life got a lot bettertruly i cant thank you enough❤
Comment from : Reem a

Great video Austin The simplicity and chart is fantastic
Comment from : Courtney Robinson

Love your sense of humor I enjoy your content a lot Thank you for sharing your knowledge
Comment from : Isabel

The first time i my life i have a decent money on a aving accout ater cc is payed off i will start investigating
Comment from : Tami Hill

Thank you austin I almost payoff my cc debt my your advice i have 52000 left to go i rent a room from a friend
Comment from : Tami Hill

Cue angel music😇
Comment from : Angel Girl

Your money isn't gonna stop you from dying my friend
Comment from : rocky ruane

Get a job 🤷‍♂️
Comment from : Alan Gordon

Lol this won't ensure that you never go broke again This is basic budgeting It won't make you rich
Comment from : Matthew Kastor

Great Thank you
Comment from : Antonio Cenzi

Plata o plomo 👍🇺🇦✝️🙌🏾💪🏾❤️👊🏽⛏️ Augustine is the bomb 💣 too much debt will result in plomo for your life 🙏holding you down 💔
Comment from : Ty Jameson

Thank you Austin for consistently putting out these videos!
Comment from : Iris Brown

I read something ages ago, I think it was in "The richest man In Babylon" which said brAlways pay yourself firstbrbrDo you see Index fund investing as a form of gambling in a way?brbrbrPs liked Very no nonsense, which suits me well
Comment from : Bald DeGea

Thanks
Comment from : Saule Mustapha

I add NEVER get married never have kids you will never be broke!
Comment from : Ana Giselle 🤍

I’m little older than you, but I feel that I have so many things to learn from your videos I’m so grateful that I discovered your channel! Hello from Brazil
Comment from : Anderson Éleri Lopes de Lima

I'm doing it right now and I don't make that much money
Comment from : Jim Martinez

Thanks!
Comment from : Joseph Peel

The most real YouTuber never change Agustin you make great simple straight to the point videos that changed my views on money for the better! Much love ❤
Comment from : Blake Vinccent

Hi Austin, in your presentation you mention that money you make in the stock market goes back into the stock market I can see how stock value grows but are you referring to dividend re-investment?
Comment from : Nocom

OMG! This is the BEST video!! Thanks for sharing 😊
Comment from : Julie Markham

Great financial tips, Austin! My suggestion: Both plants should be on the lower shelf (allowing them to grow if they are real), and the books and the odd light should be on the higher shelf with the picture above them The books should be placed in an upright position If the plants grow taller, you will reach an equilibrium I would go with a softer color for the wall, maybe an off white color which would enhance your good looks The dark gray looks too mechanical Just my opinion I was lucky enough to inherit aesthetics and high intellect from my mother and a tall physique and strong work ethic from my father I got good looks from both of them Others see something old I see something to transform Of course, I have a doctorate too I'm a lucky guy to have had my parents 😎
Comment from : Emzy Willrich

Investment, getting money for doing no work while employees are very often exploited, usually given no share of the profits their labor generates, is disturbing Giving much of it to investors, who do not work for it, is not good I like your videos, but I cannot endorse investment to gain unearned income, especially when it hurts others Unfortunately, too few people are keenly aware of this investment ugliness Many good people do it unawares Let us stop that and seek other ways to move forward
Comment from : Kaninma

Two pennies for you!!!!! ( I watched it twice) I'm like Oprah You're welcome 😂 In all seriousness though, great video as usual
Comment from : Sarah Palm

@12:55 Subtle ask for the Like 👍🏽 😉
Comment from : Jose Orozco

These are excellent strategies, Austin I wonder if in the future, many of us might be forced to rely more on our communities (and this might mean building them from scratch) rather than solely ourselves Already there are millions of people who aren't earning enough to cover the basics; maybe they can save a little and maybe they can't What becomes of them? I DO think side hustles are great way to earn extra money but I find myself wondering how practical this is for the majority of people who are truly poor As always, a lot to think about -- well done!
Comment from : Peter Lappin

Good video to share I know people of all ages that could benefit from these fundamentals
Comment from : Jeremy Burton

I have been doing this my entire life I’ll never understand why it isn’t just common sense for people
Comment from : Joyce W

Some people have a spending addiction that they can’t control Before putting any of these practices to work, they’ll have to get help for that
Comment from : Timothy Swauger

Ice cream 3x a week…Holy Moley I would think 2x a month would be acceptable and save even more
Comment from : michele Barnett

Millions of Americans do not have a single dollar to invest The money guess for essentials and hope you don't have a medical emergency
Comment from : Karla britfeld

Austin I live in Colorado I make 820$ a week have a 535$ month car payment and 1,400$ month rent any advice I feel like I’m slowly sinking
Comment from : Brandon Hagaman

My Nan #oldschool advice “when you work pay yourself first” and I’ve been doing that from my low paid salary for 37 years to this present day And that emergency fund is now being dipped into to pay for the cost living crisis 😂😂and if the greedy businesses continues I will be back to square one!
Comment from : Veronica Boyce

Dear Austin brThank you so much for your great bits of advice I just find your videos so helpful and they are so motivating Just let the videos keep coming Yours sincerely Lars Wraae
Comment from : MaLa Wa

you’re delusional There’s no money being wasted at “small things” Rent and food are incredibly and increasingly expensive There’s no possibility to build an emergency fund anymore
Comment from : Niemand

Very good video! Keep up the good work! I am already following the instructions in the video
Comment from : Florin Tudor

This is your best video in my opinion I watched it until the end without blinking my eyes brI feel rich now 😊 Gracias amigo!
Comment from : Turgut Özmen

So spend less? That’s not so profound
Comment from : D Forrest

I’m so proud of you Austin I dare not skip one of your ads LOL I want you to succeed You’re a gem Thank you for your common sense, practical videos I happened upon them and have made some life changing decisions I went from, I’m so broke to being able to save an entire paycheck I was just wasting my hard earned money on nonsense The weight of the world has been lifted off my shoulders I feel free
Comment from : Melody’s Melody

But, what about my status at my job? My boss says if I work more hours I’ll get a promotion and get a more exciting and better looking title I love to work all the time I don’t want to be called lazy With all those hours I work I don’t have time for this stuff For some reason it seems the more I work and make more money I spend more
Comment from : Culture reject

At 60, I wish someone had talked to me about money years ago! I will make sure my granddaughter knows these things!
Comment from : Moonshynegirl

Even crypto is doing well now
Comment from : Donald Swanson

Besides handsome you are intelligent and wise
Comment from : Carlos BCN

I would add a 6th step: invest into Bitcoin, the strongest money on Earth Everyone who holds Bitcoin for at least 4 or 5 years will benefitbrbrOh, and one note for investing: don't put all your eggs into just one basket Spread your income so you're on the safe side when one source doesn't work anymore
Comment from : Kyouma

Investing in index funds will absolutely make you rich - if you consistently invest over a long period of time brbrThis will especially work if you have a steady income - either through a 9 to 5 job or a business brbrThe advice on being frugal and paying yourself first is timeless!
Comment from : Leena

Austin, you are a hidden rare gem amongst YouTube! I just found your channel a couple of days ago and Ive watched a few of your videos I really love your content! I’m already a pretty frugal person but i still enjoy listening and learning from you You are a very wise young man! Thank you so much for this video! ❤
Comment from : Sarah Solomon

this is such a great video Austin I am a new subscriber and your channel is providing the highest value to me right now! (and many others) your simple and fun presentation is so perfect keep up the good work !
Comment from : Jane Moss

I have one tiny problem with interest yes, it's great to be on the receiving end and have our money earning us compound interest, but that interest money has to come from somewhere, and from who do the financial institutions that pay us that interest get that extra money? Just some food for thought
Comment from : Igor

Me encanto la información gracias y muy divertida para aprender 😊
Comment from : Olivia Montes

Simple, direct Great information 👍🏻
Comment from : R J

I don't know if I always want to work 100 passive when it comes to income sounds OK to me
Comment from : Andygb78

This is by far one of your best videos out there Great explanation Thank you!
Comment from : Najihah Yussof

Austin gr8 video I Agree 💯 If I might Add Also get rid of debt in the process
Comment from : Andrew A Wood

Younger single people can save huge chunks of money by working for the military or humanitarian aid, like Peace Corps, Habitat for Humanity, etc I know several people who did this Basic living expenses are covered, so any money they made went directly into savings Some organizations also contributed to an education fund I know many who saved enough to go to college full-time (no loans!), or travel, orbreven pay cash for a small home brWe tried to instill this concept with our kids, but unfortunately they chose the work/spend/debt treadmill😂
Comment from : mjrdedhed

👌
Comment from : W AMIR

I'm in step 4, but due to inflation, I do add to my emo fund by 100 bucks a month I do need to refine my frugality, though I save 46 pct gross from every paycheck The goal is to rely on this seasonal job
Comment from : Kevin Festner