A lot of people will watch this, get excited, and then go back to broke. Don't just watch these videos, TAKE ACTION!!

@brunomillalaf8553

4 жыл бұрын

The Cash Compass take notes too

@KrystalToddCPA

4 жыл бұрын

Bruno Millalaf agreed! Can’t trust the mind to remember all this lol

@texanboiii562

4 жыл бұрын

The Cash Compass have you taken action?

@Ignore14

4 жыл бұрын

these videos are helping to rewire my brain

@cantonio270

4 жыл бұрын

I make a budget and i always set aside 30 buck for the strip club.

No matter how much money you make, if your expenses are greater than your income you will be living paycheck to paycheck. People need to learn to lower expenses!

@vacationboyvideos

4 жыл бұрын

And there's a big difference between once and needs when you factor in the word expenses.

@Henry-rp8fw

4 жыл бұрын

Exactly, so many people don't understand that to save money you just need to spend less than you make, it's as simple as that!

@vacationboyvideos

4 жыл бұрын

@@Henry-rp8fw 👍👍👍😎👏👊

@monikakonrad2951

4 жыл бұрын

@Mr. R Are you able to write in a clear language?

@user-by4gp2wj8l

4 жыл бұрын

Oh, absolutely agree with you, actually a lot of people don't think about future, don't investe money and only waste,in my country it is super typical situation 😔

Introverts are naturally better with money. Because they don't NEED as much external stimulation.

@NateOBrien

4 жыл бұрын

I am an introvert

@momgetofftheroof

4 жыл бұрын

This is highly debatable

@sgist7824

4 жыл бұрын

I agree, I'm happy to read, go for walks, listen to music, cook, play board games, no need for loads of meetIng for dinners, coffees or spend loads out

@christopherkim8391

4 жыл бұрын

I can see where you are coming from with this statement. But I think the people best with money are those who have good impulse control and discipline, regardless if they are an introvert or not.

@KellyStamps

4 жыл бұрын

I agree. I have picnics alone, go for night walks, read etc. I do treat myself to a new outfit or pair of shoes occasionally.

My biggest takeaway is what you said in the beginning. Most people are afraid to even analyze their current position because they’re AFRAID of what they might find!! I give a lot of financial advice myself and I must say: Nate, your channel is extremely impressive. You motivate me to put out more content. Cheers!

@theeternallearner5603

4 жыл бұрын

Reggie Bryant but can you really blame them? that’s the scariest thing to do

I literally have no idea how people dislike these videos. We’re getting free content that can better our lives from him, yet people still aren’t satisfied🤣

@DarwinzTheoryz

4 жыл бұрын

Some people are never satisfied

@traviswilliams1296

4 жыл бұрын

Tell me about it. Although I only have one hater. Nates always bringing the quality

@ShaunSurgener

4 жыл бұрын

always haters.... people who feel bad about themselves when they hear this content because they know they should be doing different. Just means you're on the right path :)

@GalacticBlader

4 жыл бұрын

people are skeptical

@ThisIsFaroq

4 жыл бұрын

I literally have one hater on all my videos, they dislike all my videos lol... instead of unsubscribing or commenting on what to improve they just dislike. There's always going to be those people

I'm going to send my parents the link to this video. Thank you 😜

@NateOBrien

4 жыл бұрын

I’ll send my parents a link to your video

@quinnrsligo

4 жыл бұрын

@@NateOBrien Guys like you two are making personal finance almost 'cool', which I'm glad to see

Hey Nate, I really like how you talked about running yourself like a business- this type of thinking really forces you to stop making excuses on unnecessary purchases.

@dr.vonslifeinvesting6485

4 жыл бұрын

Bread Chasers very good point

Live now how others won't, so in the future you can live how other can't. Educate yourself, learning never stops. Learn new skills, or, specialise in your current profession, specialities in any profession are in very much demand. Don't spend on any unnecessary things. and maximise free benefits, i.e. credit card rewards (but use with caution, it's not for everyone) Awesome video Nate, financial awareness and independence!

@JonDavis

4 жыл бұрын

Absolutely love that quote! 👌

@CodySteckRealEstateVideos

4 жыл бұрын

So true!

@ChromeHeartSrt

4 жыл бұрын

The saying is *”work now like others won’t so you can live tomorrow like others can’t” what you said made no sense lol

@ShaunSurgener

4 жыл бұрын

100%... moved to LA and made 19k my first year managed to save 9k. Next year made around 40kish and was living off $900 a month TOTAL bills.. literally saving like 75 of income. After 2.5 years I had 40k to invest in real estate. All my friends doing the same jobs were super broke and were like "how are you buying real estate we work the same jobs" hahah

Always payed myself first 10%, that was never touched, also 5%Emergency fund, and kept out of debt. Retired at 54 .

I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off.

@stanleyjavin4911

2 жыл бұрын

@Stacy White I found her on a CNBC market interview, so I looked her up and we begun our awesome partnership

@stanleyjavin4911

2 жыл бұрын

@Stacy White You can connect with her on what'saap

@stanleyjavin4911

2 жыл бұрын

+150

@stanleyjavin4911

2 жыл бұрын

2273

@stanleyjavin4911

2 жыл бұрын

5657

55 year old lady here. Nate, I love your financial and life advice! You have helped me to understand the concept of money so much better. Please keep making videos! Your parents must be super proud of you! I hope to get my 20-something kids to watch your videos as well!

@nateobrienwhtsapp1890

2 жыл бұрын

......

Some great tips in here, I would encourage anyone whilst your younger to build and create like mad. These paycheck to paycheck fears get worse when your older and have more responsibilities. Make it happen now!

@ShaunSurgener

4 жыл бұрын

absolutely! live like a broke college student as long as you can! i moved to LA with 400 and no job... literally worked side gigs and made 19k my first year and saved 9k. Next year i made like 40k and had a total monthly expense of 900. Was saving like 50-75% of my income.. my first week income covered all my monthly bills. Paved the way to invest in 20 properties. It's harder the older you get and the more responsibilities you have.. but in the end it's all about numbers and you MUST make sure you are saving

Being practical will allow you to achieve your goals, but doing what other won't will get you success. Awesome video Nate

@ShaunSurgener

4 жыл бұрын

100% gotta do something different to have something different. I remember my couple years in LA i made such little money.. first year was 19k saved 9k, second year was around 40k income but managed to save 40k in about 2.5 years. Did my first real estate deal then... all my friends that worked with me were still broke.. they were like "how are you buying real estate when i can't afford rent".. well i was sleeping on couches, 3 guys in a one bedroom apartment.. $5 a day on food.. etc. When i told them that it was like "oh i couldn't do that".. and i was like "yea you don't have to.. but that's why i have 40k right now"

hey,i watched many of your videos and found them useful. thanks for that

Solid and concise message. Thanks for sharing Nate!

Glad I came across your KZread. Very informative

I love your signature fringe, ps hello from nz, appreciate your content

Super impressed that you made this whole video in one take! Kudos!

Nate, I like the educate part the most. If I knew how finance works earlier that would make such a difference. I am passing this on too my daughter, I would like to let her know how this works as soon as possible! 👍

@ShaunSurgener

4 жыл бұрын

yes the earlier the better!! never too early but never too late. Life can change drastically in a decade.. like the saying "most of us overestimate what we can do in a year but underestimate what we can do in a decade"

Thank you very much ! I took notes on what you said. I've already running myself as a business and have a sheet for all my cost and incomes and everything that I spend and get, it's massively profitable to get better to control my financial situation. I just need to play offense now and set consistent goals and I realized that if it was so hard for me it's because I skipped my financial education ! I will just read about how taxes work in my country, how can I get the maximum benefits when I will start my business. Thanks to your help it became clear and easy to take actions on. Thank you so much !

“If you do something stupid, well...that’s on you” 🤣😂

I needed this, thank you so much Nate!

I really appreciate you making this video, thank you ✨

Nates videos seem to be some of the only ones that aren't trying to sell you a course or a book....refreshing!

This really resonated with me. Constantly stressing 😟 out about money and car payments... Working as a bus boy and then at Bank of America, I felt like I earned just enough, but it kept me living paycheck to paycheck. Without a college degree 🤓, I felt like those jobs were probably the best that I could do and that I would just be forever broke. One day I made the leap of faith and went after my Real Estate license. All I can say is that even if all you have is high school education you can still make $100k a year.

@nateobrienwhtsapp1890

2 жыл бұрын

......

awesome content!!! You are the best in KZread Nate 👍🏽👍🏽👍🏽

I like that the first step is to "acknowledge the problem" LOL. Great breakdown, but it's so true. You have to know where you are first in order to take steps to create passive income and financial freedom.

Thanks for the info, Mr O’Brien - have been a big fan for a while now

@JazminBautista

4 жыл бұрын

Benjamin Biesek me too! He’s always bringing value

a lot of idea i can get from you. thank guy

Great stuff bro!

Look forward to your videos every week Nate great work

JUST discovered this channel...here I go binge watching all the videos

Good stuff when people apply it in their lives. Keep it up Nate. 👍

Thank you for this video. It lets me know I'm on the right track 🏃🏽‍♂️

Nate back with a banger💨

Love your analytical thought! Great advice.

Everytime I see you drop a new video, I get excited. Can’t wait to watch this one!

@JazminBautista

4 жыл бұрын

Martin Su i agree i like the way he describes his ideas

Goodness you are so ' effortlessly ' smart 🙂. Thank you for this. Especially appreciate your perspective on credit.

I’m definitely on my way to financial freedom! I’m not living pay check to pay check but I’m also not living financial comfortably. Still got some progress to make but I’m going down the right track 🙌

@ShaunSurgener

4 жыл бұрын

lifelong journey... especially if you are doing it right and constantly reinvesting.. you won't live comfortable for a while.. BUT when you do get to that point..that money won't stop rolling in. Keep pushing man... lets crush this.

"If you do something stupid, that's on you." Good life advice there, Nate. :)

Here learning from you 🙌🏻

Love watching your videos and I'm happy you're making people aware of what's going on, nice breakdown! I had a 9-5 and was struggling because of my lifestyle, now I don't have a job but I don't live paycheck to paycheck anymore because I make much smarter decisions, it's way less stressful.

@NateOBrien

4 жыл бұрын

Happy to hear it!

@luxurybuzz3681

4 жыл бұрын

How did you get out of the 9-5 rat race?

Appreciated what you're doing and what you can do at this stage of age. Keep improving.

@nateobrienwhtsapp1890

2 жыл бұрын

......

Nate, I listen to yours videos two and three times, just to learned. Your great. Thank you.

@nateobrienwhtsapp1890

2 жыл бұрын

......

Most people would be much better off cutting down on restaurants, clothing, and car payments. REALLY adds up. Great tips Nate!

Thank you for this!! I learn so much from you, Nate! Keep it up! I wish I had friends like you. It would be helpful to surround myself with like minded individuals !

@nateobrienwhtsapp1890

2 жыл бұрын

......

A tool that I use for budgeting is the Every Dollar app by Dave Ramsey.

Thanks for the information

@JazminBautista

4 жыл бұрын

james goodenough he’s always bringing value to the table

Excellent content. This is certainly ammunition in the war against financial drudgery. Thank you for keeping it simple.

Great video Brother

This was a great video, Nate! Very well structured and packed with useful information.

yay! i succeeded to put to the bank almost half of my income this month. I just need to be perseverent. thanks Nate!

@traviswilliams1296

4 жыл бұрын

Congrats! That’s an awesome start. Exploring ways to grow your money through investments is another way to reach financial freedom. Best of luck on your journey

@globalmuffin2

4 жыл бұрын

@@traviswilliams1296 thank you, but i am at the end of the road. i am 50 and i don't have much money saved. i must fight teeth and nails to be able to survive for 5 years with the money saved. right now i have money to survive for 2.5 years and i have 6 years left to save. it is my last chance. young people should know that life is very short and that the physical weakness comes over night. today i saw a dress that i want so badly, but until now i didn't press the buy button. my freedom is so much more important and i have wasted money on clothes for my whole life. now i am crawling on the floor.

I love it how you can just talk without cutting videos so much.

*Great tips Nate!* 👍

This is great. Nate you do an awesome job explaining this. I've just started subscribing. I've also started making some videos like this myself on my channel since I've learned that a lot of people need help with things like this.

@thenorthpolecompany1113

4 жыл бұрын

Will check it out

@juniorsantiago8187

4 жыл бұрын

He does do a great job explaining things

@kyleklaus

4 жыл бұрын

@@thenorthpolecompany1113 Thank you!! Please do - I talk about passive income, finances, and being able to do it while being able to follow your passions as well. Thanks!

@kyleklaus

4 жыл бұрын

@@juniorsantiago8187 Yes, he does. I'll take some pointers. Right to the point.

I am 22 years old and have very good control of my finances. But when you mentioned not only playing defense that really hit me. Been running a great defense for about a year now, saving 60-70% of my pay every month. Time to take things to the next level and hop on offense. Thank you so much Nate!

@nateobrienwhtsapp1890

2 жыл бұрын

......

Great video Nate! I've been following your channel for a few years now and I definitely consider you to be an inspiration of mine in my journey to achieving financial independence. Thank you!

@nateobrienwhtsapp1890

2 жыл бұрын

......

Love the value Nate. It's not how much we make, it's all about how much we keep!

@traviswilliams1296

4 жыл бұрын

Exactly! Cut where you can so you can grow the extra. Passive income can help speed up the process as well

Always looking for this kind of advice! I am a healthy woman a little over the age of most of your followers. I was laid off after 10 years at my job and outsourced to India. I'm now working two lower paying jobs just to still be in the negative each month and have cut back everywhere I can, but sometimes there are just no answers.

An excellent process to follow and then to Follow up at the end of the year and revamp every 3 to 5 years

@globalmuffin2

4 жыл бұрын

yes, i was planning for 5 years, but i didn't think of following up at the end of the year.

Thanks i will follow these steps to help me control my finance and income and life..

@nateobrienwhtsapp1890

2 жыл бұрын

......

Amazing video!!!

Great advice Nate on cutting costs first on Housing, Transportation, and Food. Informative video.

@NateOBrien

4 жыл бұрын

THanks!

@JazminBautista

4 жыл бұрын

562Omar we gotta leverage what we make 100%

@VioletIsBulletproof

4 жыл бұрын

lol...im cutting transportation to almost zero lmaooo. well...have been for a few years. Carpool to work. pay for gas every other week. plus still live super close to work (altho pricier area so....prob need to relocate soon).

hey, can you please... let us know what microphone you are using ??? loved the audio?

Eventhought I am not in US, yours is very useful.

Love your insight. So intelligent especially for your age ;)

You’re amazing Nate! I really love your videos and content. You’re so mature for your age. You should make an app of your own. Thanks!

I am an introvert too. I dont have saving. Dont have any. Thanks to your video

Great video thanks for sharing

What do you think of the m1 borrow feature to leverage credit and inflate potential earnings?

I love how you fix your hair here and there:-) nice videos btw

You know Nate you shoukd take pride that the bars you spit (Knowledge) helps people worldwide. Let that sink in. I used to always feel your videos were just based on one part of the world but you can take it and see if similar opportunities arise in other countries where others live as well. Thanks for everything.

What credit card did you use to get those travel points? Thank you for the vid 🤍👍🏻

Hello Nate 🐥Thank you for making this free education video!! 1)Check my paycheck 2)hide my credit card .(Until I can pay off them) use cash 💰 or PASMO (cash charge card in Japan) . so far I’m in no.2 level. 😹but hoping to reach no.6 next year!

Another useful video

I highly recommend PocketGuard if you prefer to use an app.

Defense and offense can also be applied in the portfolio construction. Dividend stocks in Utilize sector -> defense Dividend stocks with growth potential -> middle ground Growth tech stocks with profitability & strong balance sheet -> offense Growth tech stocks that are not profitable in growing industries -> speculative

“This is not going to be an exciting video. I’m not going to crack a lot of jokes but if you want to get from where you are to financial freedom, this is the video for you.” And I thought I was here to hear some jokes

@nateobrienwhtsapp1890

2 жыл бұрын

......

I would love to see you review the barefoot investor. I think that would be really interesting on this subject. (if you do read it, Super or superannuation is what we have instead of like 401ks etc, except it has a lot of rules around when you can access it, just in case you didnt know, took me so long to work out what a 401k is haha)

I mean, living paycheck to paycheck is real life 21st century prison. I have never accepted the notion that we were here to work to live and live to work without no ending

Investing in Financial literacy and awareness is soo important to break this cycle 📚📈

@JazminBautista

4 жыл бұрын

Aaron P exactly! We gotta do what others wont

Although you said this are just some advices to get financial freedom and not a specific programme or plan to do it; I think you bring great ideas. Many people live as slaves of their expenses, so they can't really enjoy their money. We should focus on the way we spend (or waste) that money and making it produce more and more. Healthy credit score is another goal in this video 👏🏽

@nateobrienwhtsapp1890

2 жыл бұрын

......

I wish I had this knowledge when I was coming out of High School...

I like the watch Nate, what is it?

@NateOBrien

4 жыл бұрын

It's an old Hamilton masterpiece

@WillReil

4 жыл бұрын

@@NateOBrien Beautiful watch face, was it passed down to you?

Did Graham Stephan just copied your video and made his own version of it just in 2 days?

Nate O'Brien do not know how else to get ahold of you but just saw a recent post on Facebook of someone sharing one of your older videos. I thought cool cause I watch you all the time. Click the link and she had it so you had to put in your info to watch your youtube video! Was very unpleased with seeing someone try to make money off your hard work. I reported the post and got it deleted but please be aware of this! I really enjoy your content and would hate to see others steal it from you for their own personal gains. Thanks for all you do and keep up the great work!

@NateOBrien

4 жыл бұрын

Such a shame. Thanks for the heads up

Great video. I'm going to do a similar video on my channel with a twist! Keep them coming. Great work.

Dude made A Football Anology!!! Dope 💯

Nate, such a guy

I have a feeling the algorithm is going to like this one :)

Stop buying things that you don't need, to impress people that you don't even LIKE! Great video, Nate!

I’ve really enjoyed your videos and I’m learning to have better and smarter financial freedom for that but I wanted to ask the question. If you were in a situation where you feel your not happy with the job or career and to be happier with a new career you would have to take a pay cut in order to leave. How would you approach that situation if you don’t mind me asking?

I have to drive 40 miles to and from school but i saved a little bit of money by carpooling with others in my class who live in the same area so that is an option

Great job Nate... you are much smarter than I was when I was 21 years old... Just like losing weight, where you have to burn more callories than you take in, you need to go on a financial diet too... spend less than you make. I have been saving 33 percent of my income since I was 18, I'm 48 now

I like #4 Education. Continue to learn every single day! The more you learn the more your net worth grows 📈🚀😎

Great video Nate I agree on playing offense that’s why I made i channel to help people find that side hustle so they can start making extra money and maybe make it there full time income. And thx to you Nate I started this channel cuz you said you started your channel about finances to help people 👍

What do you reckons best to track spending/budget? Apps or good old spreadsheet?

@nateobrienwhtsapp1890

2 жыл бұрын

......

Financial independence is obtainable by anyone! Just need to take the right steps!

@JazminBautista

4 жыл бұрын

Rick Novotny exactly! Especially the first step

What do you think about Fundrise?

*On the road to financial freedom. Got spending under control. Got savings and investing on track. Time to increase income!*