you know what. you're a 10/10 father figure

@Smyte_

11 ай бұрын

11/10

@ShadedPlays

11 ай бұрын

Bro your literally 100% right

When making ANY purchase, I question: "would I rather take this product or be given [product price] in cash right now" If I don't want the cash, take the product. If I want the cash, you don't want the product and its more impulse than rational as a purchase. This has saved me a lot of money, especially when it comes to late night snacks / gas station stops. You'd be surprised how often you'd rather be given 5 dollars than the drink.

I’m 15 and society has taught me that money is the “end goal”. To have as much money as possible, that’s why I work a job currently and undergo intensive education to secure a more lucrative job later. However, if somebody offered me $100 or 2 hours with my friends, I would choose the latter every time. Money can only get you so far, and is in fact a small part of life.

@Spliiinter444

11 ай бұрын

I wish I was that smart when I was 15😮‍💨 nothing but respect my guy👌🏽😌

@kenulf3746

11 ай бұрын

lmao sure

@kidplayzyt123

11 ай бұрын

​@@Spliiinter444you can still be smart tho. You already found your mistake

@djmouton251

11 ай бұрын

bro unless my friends pay me 50€ per hour I'll take the money, and they would too they'd understand and do the same

@dusty8789

11 ай бұрын

money is only everything when you dont have enough of it to live.

Dude, I gotta tell you, your videos have been a lifesaver for me. My days are constantly on hyperdrive, juggling the pressures of growing up, studying, and trying to make some dough. But man, your channel has really opened my eyes to the idea that I can actually slow down and find some calm amidst the chaos. You know how it is, right? Life feels like it's always in fast-forward mode, and it's easy to get caught up in the hustle and forget to take a breather. But your videos have given me a whole new perspective. They've made me realize that it's crucial to pump the brakes every now and then, to find moments of peace and tranquility. In today's crazy world, finding a sense of calmness is like finding buried treasure. And thanks to your content, I've been able to dig deep and uncover that treasure within myself. I've learned that life isn't just about grinding nonstop and chasing after success. It's about finding joy in the little things, nurturing relationships, and taking care of my own well-being. I just wanted to say, your videos have made a real difference in my life, man. They've reminded me to slow down, breathe, and appreciate the present moment. So, thank you for sharing your wisdom and helping me find my own pace in this whirlwind of a journey. Here's to embracing those moments of calmness and creating a life that's truly fulfilling.

@elo4z

11 ай бұрын

you are totally right!

The personal belief I use : "I may not have everything I want, but I do have everything I need.", has benefitted me a great deal financially, and not just there but in most areas of my life. It has given me a great deal of freedom and maintain a certain balance. Mostly, this stems from Maslow's theory, if you aren't already familiar, it was pretty profound for me, so I definitely recommend. Inspiring as always!

@andyyromano

11 ай бұрын

Hey thanks for that quote! It makes a lot fo sense. I´ll save it. :)

@vivvi6099

11 ай бұрын

@@andyyromano You made my day! I truly hope it helps!

i love the simplicity of your videos. in a platform full of people trying to chase the numbers and editing in ways solely to hold attention, your videos are there to calm the viewers down, and you are just - you. corny enough, but highly appreciate the videos that you make. bless.

@Luthen1um

11 ай бұрын

this!!!! thanks for saying this it had to be done!

@kidplayzyt123

11 ай бұрын

W comment and W reply

@Luthen1um

11 ай бұрын

@@kidplayzyt123

I’ve been watching three of your videos, and I’ve got to say, they are so calming, most videos lose my interest because they’re too loud and chaotic, but this is literally perfect. It’s so calming, it hasn’t lost my interest at all

I have to do an online financial course for college right now, and it's crazy how you just summarized almost all 10 hours worth of financing crap in about 10 minutes while providing so much more insightful information and also teaching in a comfortable atmosphere. Your videos have really helped me

Have you ever dealt with a heartbreak? You should do a video on this if you could.

@TheBlindedForest

11 ай бұрын

I totally agree. This is a great video topic

Just do whatever video you feel like doing. It really teaches us things varily. I am inspired by you and I might also try to tell some of my life stories😀. You are a great KZreadr and I foresee you doing very well in the future. Hopefully I will be as good as you one day lol😂

an 8 minute KZread video taught me what 12 years of school couldn’t

WOW Thank you for giving space for this kind of subject in this beatiful way.

just made a high yield savings account. thanks for your advice.

@flowstatevideo

11 ай бұрын

Let's go!

Thank you for making this kind of videos

Oh, a fellow Caleb Hammer enjoyer 🫡

loving the videos flow! Please keep going

love your consistency bro that show true hard work💯

I love watching this channel grow man you deserve it. You’ve built a following here and you have the support of any army, in my eyes at least.

Thanks for the heads up!

love the consistent uploads! ❤

Man i love these videos there nice to watch and clear you head .

These videos have been resonating with me so much lately. It's nice to see a channel going against the flow (pun intended) where everything is usually so focused on fast pacing and keeping your attention, it's nice to slow down to just talk about life. As far as this video goes, I'll vouch for the Apple Card as a good starter credit card and the Apple Savings account is an easy high-yield savings account.

Some years ago back when I was still in highschool, some people came into the classroom one day to show off a specific credit card company. The interesting thing about it is that it doesn’t allow you to spend more money than you have saved in your account

Thanks man. ❤

ty for uploading so frequently

i love your vidoes so much, keep it up

That horse jump was LIT

Your videos are none like others, the minecraft gameplay reminds us about our childhood, but then your voice and how you teach us stuff also makes us feel like we talking to a friend or your dad, over all giving an immence warmth feeling. You will always be my favorite youtuber.

really nice video mate!

Nice vid. Well done

i love this guy man

I love this guy, it always brings a smile to my face to see someone looking out for others for seemingly no reason, especially in the modern day when everyone is so caught up in their own lives

Thank you!

love your videos

Oh wow! another video :D Make sure you don't overwork yourself or get a burnout!

This video is like a knowledgable friend giving you their advice😊

i love this guy

Thanks dad😂 you just learned me more about money than i have even learned. Pls make more of these kind of vids and keep helping people that dont know these things. ❤❤❤

Great video 👍

Whenever i buy something i have the mindset of "Do i need it or do i want it"

man this guy is good

you should add the create mod if you don't already have it. It's really aesthetic while still being functional, plus there's a fabric version of it as well

Thank you.

I can't entirely agree with the credit card bit. It introduces more risk to one's financial situation and can make things more confusing. I agree with the high-yield savings account, college bit makes sense, take a field of study that's in a right area like Accounting, or Computer Science. For my studies, I'm doing full-time work terms and using that money to pay for my tuition fees in the next semesters.Feel very blessed by that.

I saw this video in my recommended(like several others from your channel), and to say it was simply reassuring would be an understatement. As someone in the middle of college, I'm wary of starting to use credit for the fear of racking up potentially life-altering debt. Though this may change since I've heard such a calming perspective, at least once I gain a reliable stream(and amount) of income. I look forward to watching more of your content ^~^

Something that helps me get the most out of my money is making sure that when I spend my money on something, that it does exactly what im paying for it to do. Nothing more, nothing less. When I'm getting a car, I don’t need luxuries, the goal is to get from point a to point b in a timely manner. A radio, ac, reclining seats, a sunroof, etc... are not going to get me where I need to be faster, so until I work my way to those luxuries, I'm not allowed to complain if sacrificing them saves me money. This doesn't mean you're not allowed to spend on things that are purely for enjoyment, though. If it's related to a hobby that makes your time worth something, it's not a waste of money, but you can still apply the same principle when buying these things. My PC does not run the most demanding games out there, it runs the most demanding games that Im interested in playing. My drumset is comprised of the 7 most common componets, because I'm not yet at a skill level that requires more. My skateboard is made of parts from a local shop that sell by quality instead of the name brand. This principle can be applied to everything that you want to buy, as long as you're budget allows you to spend exactly what you need. Of course, after you look at the money saving attributes in an expensive product, *then* you can start looking for a product of those specifications on sale so that you can get even more out of your money.

You talked about how expensive is a semester in North America and well. I live in Brazil and in my college I pay about 228$ per semester.

I’m gonna watch this later

Nice

you need a podcast

@hoppel9177

10 ай бұрын

fr would be a W

best channel

Guhh. The things that school SHOULD teach you, but doesnt.

Best father ever

Banks specifically show people the minimum amount payable per month because they know psychologically people are less likely to fully pay off the debt. There are also numerous issues banks have with auto paying of credit card debt monthly. If youre young and havent researched money much you SHOULD be afraid of credit cards

@chanceh1920

11 ай бұрын

The whole idea of "let the money work for you" simply doesnt work for credit cards, or banks wouldn't make money off of them

Do you have a spotify or a playlist where I can check out your music?

@flowstatevideo

23 күн бұрын

I do not unfortunately

You don't earn from interest, your money just degrades less in value due to inflation.

SOMEONE TELL ME WHAT MOD/MODPACK THIS IS IT LOOKS INCREDIBLE REALLY!

@flowstatevideo

23 күн бұрын

Better Adventures+

Just a quick point of clarification on putting your money into savings: yes the interest rates of some savings accounts are much, much higher, but you’re not ‘earning more money’ so to speak. With money sat in a savings account with a 3-3.5% interest rate, for instance, you are still losing value. The inflation rate in the US has been around the 4% mark recently, meaning the interest you earn on your savings still doesn’t keep up with inflation. I’m not suggesting people shouldn’t save their money, or make use of higher-interest savings accounts, but representing it as any kind of ‘free money’ misses part of the picture. It’s more like losing less money.

500$ a semester?! I swear America went from being the land of the free to the land of the slaves to college debt.

@YagizaSan

11 ай бұрын

Here a lot of Unis are free, you only pay a tax for campus life (mine was 96 euros, once a year) and on top of that there's social equity state funded scholarship. So not only are you getting an education for free, but on top of that the state give you money so you can pay your rent and food (Mine was 5500 euros anually which is around 6 grand). Of course we also have big private schools but even then, compared to what americans pay it's ridiculous (one of the school I wanted to go to was around 7000 euros anually) and usually those school don't give you a better education they are just, well known and it's usually for people who can afford it. But it's not perfect obviously, even with free education the odds of getting through college and getting your licence/master are still pretty unfair

@lenoxpI

11 ай бұрын

@@YagizaSan Yeah I mean all good things have their flaws and all bad things have their upsides.

Im glad in the uk, college is free till your 18

i'm currently 17 years old, but i do go to ''college'' (i'm from the netherlands) and i don't have to pay anything for my school until i'm 18. student loan depth is something only americans have

I've had a credit card since the day I turned 18. 2 and a half year later I now have 2 credit cards and a 750 credit score . Its easy if you just pay it off, use it like a debit card. But be mindful of utilization, that affects your credit score.

Student loan lets goooo! It be fun, but we be living and I'm happy to have debt as the degree is going to be helpful for me in game design. And yeah its like 30K debt USD at the end of next year and that's the end. My aim is to try pay off a big chunk of it off over the first 5 years so the interest is very minimal for when I go overseas. Here in New Zealand there is no interest while you stay in the country so I plan to try get rid of a chunk of it then when there isn't any before I go overseas to work. But yeah if you study a field that doesn't have well paying jobs for a while you do need to be aware that it will follow you for awhile.

would you ever be able to post a client side only mod pack, i love your videos and your mods but i usually play only on servers and my friends dont wanna stray from the original vanilla experience so a collection of client side mods or even a client side modpack would be much appreciated from me and other people

@flowstatevideo

22 күн бұрын

I know this comment is old but I recently made a client side version of my modpack for the FlowSMP. It's called BA+ [Paper] and you can find it in #links in my Discord.

what mods do you use on your minecraft world

@flowstatevideo

22 күн бұрын

Better Adventures+

I’m saving for a PC and my parents have made a subsection in their account. I’ve saved 600 AUD just from my birthday and I’m aiming for a new PC. I’ve got a 12yo Mac rn so I’m excited for next year’s EOFY. I’m planning to save for a rtx 3060 build.

I’m so gratefull that I will never have the american college debt experience lol

I study in germany and I payed 180,37€ (~200$) for the coming semester. Even 500€ seems high to me.

@flowstatevideo

Ай бұрын

That's crazy. Tuition is easily $8-10k a semester in the US.

I like trains

Ya boi is graduating with a quarter mil in student debt 😎😎😎😎

@flowstatevideo

23 күн бұрын

Bruh

He has no downsides imo

Whats the modpack?

@flowstatevideo

24 күн бұрын

Better Adventures+

Credit Scores is a crap system, it gives the Banks way more power and if you don't use the system a lot to get a good score, you are essentually blocked from owning most of the important stuff like a home or car. The fact that a Bank gets to decide whether or not you are trust worthy enough to buy a house is stupid. Alot of other countries don't use the system, or they only use Credit if you are Borrowing money like Japan, because they arnt stupid enough to give the Bank more power then any other institution.

Thumbail - AI generated?

@flowstatevideo

22 күн бұрын

It's a screenshot in game and then I did some stuff in Photoshop

Most people are not credit card people. If you don’t understand credit cards STAY AWAY.

@flowstatevideo

2 ай бұрын

Agreed

People are legit copying your channel and vids now, I don’t think they got the point that they need to follow their own path

this is not a minecraft channel

Who needs a dad, this guy's out here doing the deed himself 🫡