ilmscore | Nischa

Nischa

@nischa

94.7%

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1.9M

Subscribers on YouTube

209

Videos on the website

432

Predictions on the website

All Predictions

Prediction

Quote

Status

This year

The S&P 500 index has historically delivered an average annual return exceeding 10% from 1957 onwards, despite market downturns.

the S&P 500 has returned an average of over 10% per year since 1957, even after every crash, every recession, and market panic along the way.

1 week ago Correct

The S&P 500 index has historically delivered an average annual return exceeding 10% from 1957 onwards, despite market downturns.

the S&P 500 has returned an average of over 10% per year since 1957, even after every crash, every recession, and market panic along the way.

Investing in private equity early in a company's lifecycle can lead to significant wealth if the company grows or goes public.

the upside with this it can be huge if the company grows or eventually lists on the stock market. If you're in there early you can make a fortune

1 week ago Pending

Investing in private equity early in a company's lifecycle can lead to significant wealth if the company grows or goes public.

the upside with this it can be huge if the company grows or eventually lists on the stock market. If you're in there early you can make a fortune

Cryptocurrency returns can be extremely volatile, potentially ranging from a 90% loss to over a 500% gain.

The returns, they can range anywhere. And I'm putting a number on this, but it could be even more drastic than this. Minus 90% to over 500%.

1 week ago Pending

Cryptocurrency returns can be extremely volatile, potentially ranging from a 90% loss to over a 500% gain.

The returns, they can range anywhere. And I'm putting a number on this, but it could be even more drastic than this. Minus 90% to over 500%.

A more realistic expectation for gold's long-term average annual return is between 3% and 7%.

I would say it's around 3 to 7% is more accurate representation of what you can reasonably expect.

1 week ago Pending

A more realistic expectation for gold's long-term average annual return is between 3% and 7%.

I would say it's around 3 to 7% is more accurate representation of what you can reasonably expect.

Gold has provided an average annual return of approximately 8% since 1971, according to the World Gold Council.

it has delivered, according to the World Gold Council, an annual average return of around 8% since 1971.

1 week ago Pending

Gold has provided an average annual return of approximately 8% since 1971, according to the World Gold Council.

it has delivered, according to the World Gold Council, an annual average return of around 8% since 1971.

US-listed REITs (tracked by the NA REIT index) have historically outperformed the S&P 500 over multi-decade periods (20, 25, 30, 40, and 52 years).

the Footsie all equity REIT index, this one here, NA REIT, which tracks USlisted REITs, has outperformed the S&P 500 over the past 20, 25, 30, 40, and 52year period.

1 week ago Pending

US-listed REITs (tracked by the NA REIT index) have historically outperformed the S&P 500 over multi-decade periods (20, 25, 30, 40, and 52 years).

the Footsie all equity REIT index, this one here, NA REIT, which tracks USlisted REITs, has outperformed the S&P 500 over the past 20, 25, 30, 40, and 52year period.

1 year ago

An investment of $2,666 in global shares between April 30, 2020, and 2025, grew to $4,926, significantly outperforming $1,580 invested in cash, which only grew to $1,714 over the same period.

Between 30th April 2020 to 2025, 2,666 invested in global shares grew to 4,926, while 1,58 in cash grew to just 1,714 over the same period.

3 weeks ago Correct

An investment of $2,666 in global shares between April 30, 2020, and 2025, grew to $4,926, significantly outperforming $1,580 invested in cash, which only grew to $1,714 over the same period.

Between 30th April 2020 to 2025, 2,666 invested in global shares grew to 4,926, while 1,58 in cash grew to just 1,714 over the same period.

Making difficult financial decisions in the present can lead to financial ease and freedom for the remainder of one's life.

Making a few hard decisions today can actually mean you play for the rest of your life.

2 weeks ago Correct

Making difficult financial decisions in the present can lead to financial ease and freedom for the remainder of one's life.

Making a few hard decisions today can actually mean you play for the rest of your life.

Investing $500 in a course that teaches a skill leading to an extra $1,000 in annual earnings represents a 200% return in the first year, with potential for further compounding.

If you spend one off $500 on a course that teaches you a skill that helps you earn an extra $1,000 a year, that isn't an expense. That's a 200% return in year one, and then it keeps compounding after that.

2 weeks ago Correct

Investing $500 in a course that teaches a skill leading to an extra $1,000 in annual earnings represents a 200% return in the first year, with potential for further compounding.

If you spend one off $500 on a course that teaches you a skill that helps you earn an extra $1,000 a year, that isn't an expense. That's a 200% return in year one, and then it keeps compounding after that.

Discussing money with others accelerates financial progress by learning from their experiences, strategies, and mistakes.

The more you talk about money, the less scary and alone it feels. And the more you learn from other people's experiences, other people's strategies, other people's mistakes, the faster you can progress in your own financial journey.

2 weeks ago Correct

Discussing money with others accelerates financial progress by learning from their experiences, strategies, and mistakes.

The more you talk about money, the less scary and alone it feels. And the more you learn from other people's experiences, other people's strategies, other people's mistakes, the faster you can progress in your own financial journey.

Investing in low-cost index funds that track broad markets is recommended as a nearly foolproof investment strategy.

Start with lowcost index funds that track entire markets. It is almost impossible to go wrong this way.

2 weeks ago Correct

Investing in low-cost index funds that track broad markets is recommended as a nearly foolproof investment strategy.

Start with lowcost index funds that track entire markets. It is almost impossible to go wrong this way.

To achieve financial goals, focus on one simple, achievable task per month, such as saving an extra $200, increasing investments by 1%, or reducing takeaway spending by 20%.

One simple, achievable focus that you can do for the next 30 days. It could be save an extra 200 this month. It could be increase my investing by 1%. It could be reduce my spend on takeaway by 20%. Just one thing.

2 weeks ago Correct

To achieve financial goals, focus on one simple, achievable task per month, such as saving an extra $200, increasing investments by 1%, or reducing takeaway spending by 20%.

One simple, achievable focus that you can do for the next 30 days. It could be save an extra 200 this month. It could be increase my investing by 1%. It could be reduce my spend on takeaway by 20%. Just one thing.

Predicted that a savings account will not make someone rich in the long term.

Nisha, how is a saving account going to make me rich? It's not. I'm not going to lie to you. It won't make you rich.

3 months ago Correct

Predicted that a savings account will not make someone rich in the long term.

Nisha, how is a saving account going to make me rich? It's not. I'm not going to lie to you. It won't make you rich.

Predicted that a simple folder structure will prevent future disorganization and make file saving/finding obvious.

the key is to make it so ridiculously simple that future you cannot mess it up when you save a file it should be so obvious where it goes when you're looking for something it should be so obvious where it's saved

3 months ago Correct

Predicted that a simple folder structure will prevent future disorganization and make file saving/finding obvious.

the key is to make it so ridiculously simple that future you cannot mess it up when you save a file it should be so obvious where it goes when you're looking for something it should be so obvious where it's saved

Predicted that work will take less time and feel easier upon aligning tasks with energy levels.

It takes less time and it feels easier.

3 months ago Correct

Predicted that work will take less time and feel easier upon aligning tasks with energy levels.

It takes less time and it feels easier.

Predicted that imposter syndrome will not disappear even as one progresses to later stages in their business journey.

I always thought, okay, when I get to the next stage in my business, I will feel more comfortable. I'll feel confident. Imposter syndrome will disappear. It does not disappear.

8 months ago Correct

Predicted that imposter syndrome will not disappear even as one progresses to later stages in their business journey.

I always thought, okay, when I get to the next stage in my business, I will feel more comfortable. I'll feel confident. Imposter syndrome will disappear. It does not disappear.

The stock market recovery from the 2021 downturn took 18 months, while the COVID crash recovery was significantly faster, taking only four months.

It took 18 months for the market to recover from the 2021 downturn. The CO crash took just four months.

3 weeks ago Pending

The stock market recovery from the 2021 downturn took 18 months, while the COVID crash recovery was significantly faster, taking only four months.

It took 18 months for the market to recover from the 2021 downturn. The CO crash took just four months.

Historically, the stock market has crashed 19 times in 150 years, and each instance has eventually led to recovery and new all-time highs.

The stock market has crashed 19 times over the past 150 years. And every single time it's recovered and gone on to reach new highs.

3 weeks ago Pending

Historically, the stock market has crashed 19 times in 150 years, and each instance has eventually led to recovery and new all-time highs.

The stock market has crashed 19 times over the past 150 years. And every single time it's recovered and gone on to reach new highs.

Investing $100 per month with an average annual return of 8-10% (based on S&P 500 historical data) could result in over $140,000 after 30 years, with only $36,000 being the investor's contribution.

If you invest just 100 a month and earn an average annual rate of return of 8 to 10% a year, I say average because that is what the historical rate of return has been looking at the S&P 500 for a 10 to 20 year timeline. You will have more than 140,000 after 30 years and you will have only contributed 36,000 yourself. The rest of the money will be basically profit.

3 weeks ago Pending

Investing $100 per month with an average annual return of 8-10% (based on S&P 500 historical data) could result in over $140,000 after 30 years, with only $36,000 being the investor's contribution.

If you invest just 100 a month and earn an average annual rate of return of 8 to 10% a year, I say average because that is what the historical rate of return has been looking at the S&P 500 for a 10 to 20 year timeline. You will have more than 140,000 after 30 years and you will have only contributed 36,000 yourself. The rest of the money will be basically profit.

The most valuable investment one can make is in oneself, specifically in developing skills, knowledge, and capabilities.

The best investment you can ever make actually isn't in stocks. It isn't in property. It is in yourself. It's in your skills. It's in your knowledge. It's in your capabilities.

2 weeks ago Pending

The most valuable investment one can make is in oneself, specifically in developing skills, knowledge, and capabilities.

The best investment you can ever make actually isn't in stocks. It isn't in property. It is in yourself. It's in your skills. It's in your knowledge. It's in your capabilities.

Achieving financial success and building wealth requires a long-term perspective, focusing on present decisions that will benefit one's future self in 5, 10, or 20 years.

Building wealth, on the other hand, is the exact opposite. Financial success is about playing the long game. It's about making choices today that your future self in maybe 5, 10, 20 years will thank you for.

2 weeks ago Pending

Achieving financial success and building wealth requires a long-term perspective, focusing on present decisions that will benefit one's future self in 5, 10, or 20 years.

Building wealth, on the other hand, is the exact opposite. Financial success is about playing the long game. It's about making choices today that your future self in maybe 5, 10, 20 years will thank you for.

Starting to invest early, even with small amounts, is a primary factor in building long-term wealth.

Starting early with what you can is one of the biggest drivers of long-term wealth there is.

2 weeks ago Pending

Starting to invest early, even with small amounts, is a primary factor in building long-term wealth.

Starting early with what you can is one of the biggest drivers of long-term wealth there is.

The speaker aims to provide actionable habits to significantly improve viewers' financial literacy by the year 2026.

So, in this video, I wanted to share with you easy habits that will make you outrageously financially literate in 2026.

2 weeks ago Pending

The speaker aims to provide actionable habits to significantly improve viewers' financial literacy by the year 2026.

So, in this video, I wanted to share with you easy habits that will make you outrageously financially literate in 2026.

Predicted (by the World Economic Forum) that two-fifths of skills workers currently rely on will be disrupted by November 23, 2028.

In fact, the World Economic Forum predicts that two-fifths of the skills workers currently rely on today will be disrupted in the next 3 years.

1 month ago Pending

Predicted (by the World Economic Forum) that two-fifths of skills workers currently rely on will be disrupted by November 23, 2028.

In fact, the World Economic Forum predicts that two-fifths of the skills workers currently rely on today will be disrupted in the next 3 years.

Predicted that 2026 could mark the end of jobs as we know them.

I'm going to explain why 2026 could mark the end of jobs as we know them.

1 month ago Pending

Predicted that 2026 could mark the end of jobs as we know them.

I'm going to explain why 2026 could mark the end of jobs as we know them.

Predicted that unless retirement saving becomes automatic in the US, many Americans will reach retirement age relying on Social Security, which may not be sufficient.

So unless the US removes the friction and makes retirement saving automatic, many Americans are likely to reach retirement age, relying on social security, which might not be enough to get by.

2 months ago Pending

Predicted that unless retirement saving becomes automatic in the US, many Americans will reach retirement age relying on Social Security, which may not be sufficient.

So unless the US removes the friction and makes retirement saving automatic, many Americans are likely to reach retirement age, relying on social security, which might not be enough to get by.

Predicted that the listener will be more productive next week if they try the recommended method.

Just try it out the next week and see how much more productive you are.

3 months ago Unrated

Predicted that the listener will be more productive next week if they try the recommended method.

Just try it out the next week and see how much more productive you are.

Predicted that work will become more fun upon aligning tasks with energy levels.

You're generally making work more fun because you have more energy to give to it.

3 months ago Unrated

Predicted that work will become more fun upon aligning tasks with energy levels.

You're generally making work more fun because you have more energy to give to it.

Predicted that work quality will multiply upon aligning tasks with energy levels.

And when you start aligning your tasks with your energy levels, you'll end up finding that you multiply the quality of work that you produce.

3 months ago Pending

Predicted that work quality will multiply upon aligning tasks with energy levels.

And when you start aligning your tasks with your energy levels, you'll end up finding that you multiply the quality of work that you produce.

Predicted that an individual earning $50,000 could reach an $80,000 salary after five years of solid performance and promotions.

After five years of [00:04:27] solid performance, a few promotions, [00:04:30] maybe you could be at 80,000

1 month ago Pending

Predicted that an individual earning $50,000 could reach an $80,000 salary after five years of solid performance and promotions.

After five years of [00:04:27] solid performance, a few promotions, [00:04:30] maybe you could be at 80,000

Predicted that it would take 164 years to reach one million dollars by saving 20% of an average salary.

At that [00:03:10] rate, it would take you about 164 years [00:03:13] to reach a million.

1 month ago Pending

Predicted that it would take 164 years to reach one million dollars by saving 20% of an average salary.

At that [00:03:10] rate, it would take you about 164 years [00:03:13] to reach a million.

Predicted that one cannot save their way to millionaire status.

you can't [00:02:16] save your way to a millionaire status.

1 month ago Pending

Predicted that one cannot save their way to millionaire status.

you can't [00:02:16] save your way to a millionaire status.

Predicted that becoming a millionaire by investing $1,000 a month would take 26 years.

You could [00:01:19] reduce the timeline to 26 years, but it [00:01:22] would mean you'd need to up the amount [00:01:23] you'd invest to 1,000 a month.

1 month ago Pending

Predicted that becoming a millionaire by investing $1,000 a month would take 26 years.

You could [00:01:19] reduce the timeline to 26 years, but it [00:01:22] would mean you'd need to up the amount [00:01:23] you'd invest to 1,000 a month.

Predicted that becoming a millionaire, assuming historical 8% returns, would take 35 years.

In fact, assuming historical [00:01:16] returns, it would be 35 years.

1 month ago Pending

Predicted that becoming a millionaire, assuming historical 8% returns, would take 35 years.

In fact, assuming historical [00:01:16] returns, it would be 35 years.

2 years ago

Predicted that the side hustles presented in the video (digital, service-based, creative) will be the best for 2025.

in this video I'm going to share 10 of what I believe are the best side hustles for the year ahead

1 year ago Correct

Predicted that the side hustles presented in the video (digital, service-based, creative) will be the best for 2025.

in this video I'm going to share 10 of what I believe are the best side hustles for the year ahead

Predicted that participants in the 5-day 'save 1K' challenge, starting November 4, 2024, would save $1,000 in November 2024.

I'm running a completely free 5day save 1K this month challenge it's starting this Monday

1 year ago Incorrect

Predicted that participants in the 5-day 'save 1K' challenge, starting November 4, 2024, would save $1,000 in November 2024.

I'm running a completely free 5day save 1K this month challenge it's starting this Monday

Predicted that a person's first attempt at a side business is likely to be unsuccessful.

it's almost guaranteed that the first side business that you try may not be successful

1 year ago Correct

Predicted that a person's first attempt at a side business is likely to be unsuccessful.

it's almost guaranteed that the first side business that you try may not be successful

Predicted that community manager roles will continue to be increasingly in demand.

this is a recent one that is becoming more and more in demand

1 year ago Correct

Predicted that community manager roles will continue to be increasingly in demand.

this is a recent one that is becoming more and more in demand

Predicted that video content marketing will not decline in the near future.

video content marketing isn't going anytime soon

1 year ago Correct

Predicted that video content marketing will not decline in the near future.

video content marketing isn't going anytime soon

Predicted that the creator economy will continue to grow.

the Creator economy is stronger than ever and it is just getting bigger and bigger

1 year ago Correct

Predicted that the creator economy will continue to grow.

the Creator economy is stronger than ever and it is just getting bigger and bigger

Predicted an increase in demand for writers for online businesses as more businesses move online.

if you're just starting out as more people run their own business online there is and will be more demand for people who can write words for those businesses

1 year ago Correct

Predicted an increase in demand for writers for online businesses as more businesses move online.

if you're just starting out as more people run their own business online there is and will be more demand for people who can write words for those businesses

Predicted that a new car will depreciate by 15-35% within its first 12 months of ownership.

after the first 12 months, a new car can depreciate by around 15 to 35%

1 year ago Correct

Predicted that a new car will depreciate by 15-35% within its first 12 months of ownership.

after the first 12 months, a new car can depreciate by around 15 to 35%

The speaker's home deposit investment has yielded less than if the same amount had been invested in the stock market over the same period.

it has the amount that I put in towards the deposit for my home is worth less than had I put that same amount into the stock market

1 year ago Pending

The speaker's home deposit investment has yielded less than if the same amount had been invested in the stock market over the same period.

it has the amount that I put in towards the deposit for my home is worth less than had I put that same amount into the stock market

To build a cash buffer of approximately $35,000 (covering 12 months of fundamental costs of $2,900/month) within 2 years for entrepreneurial pursuits, $1,458 per month needs to be saved.

given her living expenses or fundamental costs which she already has calculated are 2,900 a month she would need to save up just under 35,000 which is the 2,900 time 12 over the next 2 years so if you break that down you need to save 1,458 a month to build up that cash buffer

1 year ago Pending

To build a cash buffer of approximately $35,000 (covering 12 months of fundamental costs of $2,900/month) within 2 years for entrepreneurial pursuits, $1,458 per month needs to be saved.

given her living expenses or fundamental costs which she already has calculated are 2,900 a month she would need to save up just under 35,000 which is the 2,900 time 12 over the next 2 years so if you break that down you need to save 1,458 a month to build up that cash buffer

To save $120,000 for a home down payment within 5 years, $2,000 per month must be saved.

if she needs 120,000 saved up within the next 5 years... to save 120,000 in 5 years she needs to save 120,000 divided by 60 months 2,000 per month

1 year ago Pending

To save $120,000 for a home down payment within 5 years, $2,000 per month must be saved.

if she needs 120,000 saved up within the next 5 years... to save 120,000 in 5 years she needs to save 120,000 divided by 60 months 2,000 per month

To retire in 15 years (from the current age of 30, meaning by age 45), an additional $1,000 per month in investments is required beyond the current margin.

if she wants to retire even sooner so in 15 years then she'll need to find a way to put an extra 1,000 a month in which is more than what her margin is at the moment

1 year ago Pending

To retire in 15 years (from the current age of 30, meaning by age 45), an additional $1,000 per month in investments is required beyond the current margin.

if she wants to retire even sooner so in 15 years then she'll need to find a way to put an extra 1,000 a month in which is more than what her margin is at the moment

A 30-year-old aiming to retire by 50 can achieve a $1.25 million portfolio by investing $2,300 per month, assuming an 8% average rate of return.

if she's 30 right now and wants to retire by the time she's 50 then assuming an average rate of return of 8% she can start by putting in 2,300 a month into her Investments That Way by the time she's 50 she would have put in 552 th000 but her portfolio would be worth 1.25 5 million

1 year ago Pending

A 30-year-old aiming to retire by 50 can achieve a $1.25 million portfolio by investing $2,300 per month, assuming an 8% average rate of return.

if she's 30 right now and wants to retire by the time she's 50 then assuming an average rate of return of 8% she can start by putting in 2,300 a month into her Investments That Way by the time she's 50 she would have put in 552 th000 but her portfolio would be worth 1.25 5 million

To retire early with an annual need of $50,000, an investment pot of $1.25 million is required, based on the 4% withdrawal rule.

she calculated how much she needs during retirement and it's 50,000 annually... the way to work out how much you would need in Investments is you take your annual number 50,000 in this case and times it by 25... that is 1.25 million

1 year ago Pending

To retire early with an annual need of $50,000, an investment pot of $1.25 million is required, based on the 4% withdrawal rule.

she calculated how much she needs during retirement and it's 50,000 annually... the way to work out how much you would need in Investments is you take your annual number 50,000 in this case and times it by 25... that is 1.25 million

Predicted that an individual, starting in their 30s with a $50,000 salary, investing $50,000 and contributing $500 monthly with an 8% average return, would have approximately $1.77 million saved by age 65.

someone in the 30s who is making 50,000 per year were to invest that 50,000 and then contribute an additional 500 per month from that point on assuming an 8% average rate of return they would have approximately 1.77 million saved up by the time that they reach 65

1 year ago Pending

Predicted that an individual, starting in their 30s with a $50,000 salary, investing $50,000 and contributing $500 monthly with an 8% average return, would have approximately $1.77 million saved by age 65.

someone in the 30s who is making 50,000 per year were to invest that 50,000 and then contribute an additional 500 per month from that point on assuming an 8% average rate of return they would have approximately 1.77 million saved up by the time that they reach 65

Predicted that investing money today will very likely lead to financial freedom in the long term.

but making the decision to invest the money today instead invest that difference that is going to very likely be the thing that gets you there

1 year ago Pending

Predicted that investing money today will very likely lead to financial freedom in the long term.

but making the decision to invest the money today instead invest that difference that is going to very likely be the thing that gets you there

Predicted that a brand new car will likely not lead to happiness or financial freedom within 10 years (from video publication date).

10 years from now that brand new car probably isn't going to make you happy or financially free

1 year ago Pending

Predicted that a brand new car will likely not lead to happiness or financial freedom within 10 years (from video publication date).

10 years from now that brand new car probably isn't going to make you happy or financially free

Predicted that taxes will be the single biggest expense throughout one's life.

taxes this is going to be the single biggest expense of your life

1 year ago Pending

Predicted that taxes will be the single biggest expense throughout one's life.

taxes this is going to be the single biggest expense of your life

Predicted to buy a forever home within 5 years from the video's publication date (by February 11, 2029).

In the next 5 years, I like to buy my forever home.

1 year ago Pending

Predicted to buy a forever home within 5 years from the video's publication date (by February 11, 2029).

In the next 5 years, I like to buy my forever home.

Predicted to increase the percentage of take-home pay allocated to savings and investment in 2024.

So, I'm going to increase that even more this year.

1 year ago Pending

Predicted to increase the percentage of take-home pay allocated to savings and investment in 2024.

So, I'm going to increase that even more this year.

Predicted that a new car will depreciate by 50% or more over 3 years of ownership.

that depreciation keeps going up to 50% or more over 3 years.

1 year ago Pending

Predicted that a new car will depreciate by 50% or more over 3 years of ownership.

that depreciation keeps going up to 50% or more over 3 years.

The speaker predicted that he will never give up the freedom and control he has gained from entrepreneurship.

for me is the one thing that I will never be able to give up now that I've had a taste of it I have the freedom and the full control of how I work what I work on where I work from how efficient I am how hard I work for how long I work for

1 year ago Pending

The speaker predicted that he will never give up the freedom and control he has gained from entrepreneurship.

for me is the one thing that I will never be able to give up now that I've had a taste of it I have the freedom and the full control of how I work what I work on where I work from how efficient I am how hard I work for how long I work for

3 years ago

By focusing on the impact and connection of one's work rather than solely on monetization, other forms of success (like financial) will naturally follow as a byproduct.

at least when I'm focusing on that everything else just comes as a byproduct

2 years ago Pending

By focusing on the impact and connection of one's work rather than solely on monetization, other forms of success (like financial) will naturally follow as a byproduct.

at least when I'm focusing on that everything else just comes as a byproduct

The enjoyment derived from a passion is likely to diminish once it becomes a monetized business, especially when the focus shifts to financial aspects.

one thing I do want to say if and when you turn your passion into a business is that a lot of the fun diminishes when you think about out the bunny side of it

2 years ago Pending

The enjoyment derived from a passion is likely to diminish once it becomes a monetized business, especially when the focus shifts to financial aspects.

one thing I do want to say if and when you turn your passion into a business is that a lot of the fun diminishes when you think about out the bunny side of it

A passion or hobby that is not monetized will likely not receive the necessary time and resources to grow into a significant business or reach a wider audience.

if you don't make money from your passion or your hobby it stops at that it's not a business and you're very likely not going to be able to put in all the time and the resources to make it into something big and to make it into something that more people have access to

2 years ago Pending

A passion or hobby that is not monetized will likely not receive the necessary time and resources to grow into a significant business or reach a wider audience.

if you don't make money from your passion or your hobby it stops at that it's not a business and you're very likely not going to be able to put in all the time and the resources to make it into something big and to make it into something that more people have access to

Consistently providing free, valuable information will increase the likelihood of potential customers purchasing paid products or services.

if you keep giving them helpful information that they like and they're benefiting from they're more likely to buy something that you're selling

2 years ago Pending

Consistently providing free, valuable information will increase the likelihood of potential customers purchasing paid products or services.

if you keep giving them helpful information that they like and they're benefiting from they're more likely to buy something that you're selling

Implementing the four habits discussed in the video will have a significant positive impact on the viewer's productivity and progress towards their goals by May 2024.

those are four small things and for small habits you can change and Implement to make sure you're making the most out of your day make sure you're being productive and focusing on the things that will matter and will have the biggest impact on where you are now and where you'll be this time next year

2 years ago Pending

Implementing the four habits discussed in the video will have a significant positive impact on the viewer's productivity and progress towards their goals by May 2024.

those are four small things and for small habits you can change and Implement to make sure you're making the most out of your day make sure you're being productive and focusing on the things that will matter and will have the biggest impact on where you are now and where you'll be this time next year

The author predicts that reading their document of positive feedback will provide a burst of motivation to create content when they feel unmotivated.

and then whenever I feel like I don't want to create content I don't want to get up and create a video but read that document and it'll give me a burst on motivation

2 years ago Pending

The author predicts that reading their document of positive feedback will provide a burst of motivation to create content when they feel unmotivated.

and then whenever I feel like I don't want to create content I don't want to get up and create a video but read that document and it'll give me a burst on motivation

If a passion or hobby is not monetized, it is very likely it will not grow into a significant business that can reach a wide audience, due to insufficient time and resource investment.

but the reality is that if you don't make money from your passion or your hobby it stops at that it's not a business and you're very likely not going to be able to put in all the time and the resources to make it into something big and to make it into something that more people have access to

2 years ago Pending

If a passion or hobby is not monetized, it is very likely it will not grow into a significant business that can reach a wide audience, due to insufficient time and resource investment.

but the reality is that if you don't make money from your passion or your hobby it stops at that it's not a business and you're very likely not going to be able to put in all the time and the resources to make it into something big and to make it into something that more people have access to

The author intends to prioritize spending money on experiences and creating memories over tangible items in her 30s.

I want to make sure I do the same thing going into my 30s.

2 years ago Pending

The author intends to prioritize spending money on experiences and creating memories over tangible items in her 30s.

I want to make sure I do the same thing going into my 30s.

The author predicts that investing in updated technology for her work will lead to an increase in her income.

I do believe in updating your Tech if you're using it to make a living because it's one of those things where money out will equal more money in.

2 years ago Pending

The author predicts that investing in updated technology for her work will lead to an increase in her income.

I do believe in updating your Tech if you're using it to make a living because it's one of those things where money out will equal more money in.

The author states they are in a completely different life position one year later and attributes this change to the habits discussed in the video.

I'm in a completely different position today than I was one year ago and I attribute a lot of that to the habits that I mentioned in this video

2 years ago Pending

The author states they are in a completely different life position one year later and attributes this change to the habits discussed in the video.

I'm in a completely different position today than I was one year ago and I attribute a lot of that to the habits that I mentioned in this video

The author practices 'Think Days' at least once a month, dedicating a full day to reading, journaling, thinking, and learning, away from work and devices.

I haven't been able to commit to a whole week but I have started doing think days at least once a month I just step away from all my work everything my phone my laptop and I'd secure myself mentally I'll spend an entire day reading journaling thinking learning something new

2 years ago Pending

The author practices 'Think Days' at least once a month, dedicating a full day to reading, journaling, thinking, and learning, away from work and devices.

I haven't been able to commit to a whole week but I have started doing think days at least once a month I just step away from all my work everything my phone my laptop and I'd secure myself mentally I'll spend an entire day reading journaling thinking learning something new

Bill Gates established an annual 'Think Week' tradition in the 1980s where he would isolate himself to read, learn, and think.

in the 80s Bill Gates who founded Microsoft began this think week annual tradition he would seclude himself in a remote location and shut off all of his communication he'll spend an entire week dedicated to reading learning and thinking

2 years ago Pending

Bill Gates established an annual 'Think Week' tradition in the 1980s where he would isolate himself to read, learn, and think.

in the 80s Bill Gates who founded Microsoft began this think week annual tradition he would seclude himself in a remote location and shut off all of his communication he'll spend an entire week dedicated to reading learning and thinking

An individual is more likely to be happy if their friend is happy.

you are more likely to be happy if your friend is Happy

2 years ago Pending

An individual is more likely to be happy if their friend is happy.

you are more likely to be happy if your friend is Happy

An individual is approximately 20% more likely to gain weight if a friend of a friend becomes obese.

if a friend of your friend becomes obese your likelihood of gaining weight increases by about 20

2 years ago Pending

An individual is approximately 20% more likely to gain weight if a friend of a friend becomes obese.

if a friend of your friend becomes obese your likelihood of gaining weight increases by about 20

The author claims to have tripled their income by applying the discussed habits.

applying these habits to my own life I've tripled my income

2 years ago Pending

The author claims to have tripled their income by applying the discussed habits.

applying these habits to my own life I've tripled my income

An individual is 45% more likely to gain weight over two to four years if a friend becomes obese.

if a friend of yours becomes obese you are 45 more likely to gain weight over the next two to four years

2 years ago Pending

An individual is 45% more likely to gain weight over two to four years if a friend becomes obese.

if a friend of yours becomes obese you are 45 more likely to gain weight over the next two to four years

46% of 25-34 year olds in the UK have taken out an additional credit card.

46 of 25 to 34 year olds have taken out an additional credit card

2 years ago Pending

46% of 25-34 year olds in the UK have taken out an additional credit card.

46 of 25 to 34 year olds have taken out an additional credit card

The average American has $32,878 in debt, excluding their mortgage.

the average American has 32 878 dollars in depth not including their mortgage

2 years ago Pending

The average American has $32,878 in debt, excluding their mortgage.

the average American has 32 878 dollars in depth not including their mortgage

Only 39% of Americans can cover a $1,000 unexpected expense.

only 39 of Americans could cover a one thousand dollar unexpected expense

2 years ago Pending

Only 39% of Americans can cover a $1,000 unexpected expense.

only 39 of Americans could cover a one thousand dollar unexpected expense

40% of people in the UK lack one month of living expenses in savings for income loss.

40 of the people in the UK don't even have one month of living expenses to support them if they lost their income

2 years ago Pending

40% of people in the UK lack one month of living expenses in savings for income loss.

40 of the people in the UK don't even have one month of living expenses to support them if they lost their income

The average annual salary in the US is $59,428.

the average salary Nationwide in the US according to Forbes is 59 428

2 years ago Pending

The average annual salary in the US is $59,428.

the average salary Nationwide in the US according to Forbes is 59 428

The average annual salary in the UK is £27,756.

according to the ons the average annual salary in the UK is 27 756 pounds

2 years ago Pending

The average annual salary in the UK is £27,756.

according to the ons the average annual salary in the UK is 27 756 pounds

Properties with a south-facing garden or balcony are desirable for personal habitation due to receiving the most sunlight throughout the day.

to make sure that the place that I'm buying has a south facing Garden or a south facing balcony as the sun rises in the East and sets in the west the south side of many houses will see most hours of sunlight during the day so that's really important if you're looking for someone to live for yourself the more sun the better in my opinion

2 years ago Pending

Properties with a south-facing garden or balcony are desirable for personal habitation due to receiving the most sunlight throughout the day.

to make sure that the place that I'm buying has a south facing Garden or a south facing balcony as the sun rises in the East and sets in the west the south side of many houses will see most hours of sunlight during the day so that's really important if you're looking for someone to live for yourself the more sun the better in my opinion

Leasehold flats with less than 70 years remaining on the lease will face difficulties in securing a mortgage, negatively impacting their resale value and the amount of money obtainable.

if that lease term or the number of years left on the lease goes below 70 years it's hard to then get a mortgage on it so if you're looking to sell it that will impact who can buy your place and consequently it will impact the property's value and the amount of money you can get for it

2 years ago Pending

Leasehold flats with less than 70 years remaining on the lease will face difficulties in securing a mortgage, negatively impacting their resale value and the amount of money obtainable.

if that lease term or the number of years left on the lease goes below 70 years it's hard to then get a mortgage on it so if you're looking to sell it that will impact who can buy your place and consequently it will impact the property's value and the amount of money you can get for it

Certain front-office areas within banking, such as Mergers & Acquisitions and Trading, offer significantly higher compensation than the figures presented in the transcript.

there are other areas in the front office that get paid a lot more than the numbers you've seen here so mergers and acquisitions trading

2 years ago Pending

Certain front-office areas within banking, such as Mergers & Acquisitions and Trading, offer significantly higher compensation than the figures presented in the transcript.

there are other areas in the front office that get paid a lot more than the numbers you've seen here so mergers and acquisitions trading

Salaries in the banking industry have decreased in value compared to the period before the 2008 financial crisis.

banking doesn't pay what it used to pre the 2008 financial crisis

2 years ago Pending

Salaries in the banking industry have decreased in value compared to the period before the 2008 financial crisis.

banking doesn't pay what it used to pre the 2008 financial crisis

Employer pension contributions in investment banking can match up to 10% of an employee's contribution, in addition to basic salary, and this benefit was fully utilized in most years.

the last one I worked for offered up to 10 of what I put in so that was in addition to my basic salary and in most years I completely maxed out

2 years ago Pending

Employer pension contributions in investment banking can match up to 10% of an employee's contribution, in addition to basic salary, and this benefit was fully utilized in most years.

the last one I worked for offered up to 10 of what I put in so that was in addition to my basic salary and in most years I completely maxed out

Bonuses for middle-office roles in investment banking were at most 15% of base salary, while front-office roles offered a higher bonus percentage.

when I started in Middle office my bonus was at best 15 of my base salary and then when I moved to the front office that percentage was a lot higher

2 years ago Pending

Bonuses for middle-office roles in investment banking were at most 15% of base salary, while front-office roles offered a higher bonus percentage.

when I started in Middle office my bonus was at best 15 of my base salary and then when I moved to the front office that percentage was a lot higher

Stopped spending money on professional nail, hair, and eyelash treatments.

I pretty much never spend money on getting my nails or my hair or my eyelashes done anymore.

2 years ago Pending

Stopped spending money on professional nail, hair, and eyelash treatments.

I pretty much never spend money on getting my nails or my hair or my eyelashes done anymore.

Front-office roles and higher seniority in investment banking are associated with a larger percentage of base salary as a bonus.

typically those in the front office will see a bigger percentage of their base salary as a bonus and the same goes as you climb up the corporate ladder the more senior you are you can broadly expect a higher percentage of your base salary as a bonus

2 years ago Pending

Front-office roles and higher seniority in investment banking are associated with a larger percentage of base salary as a bonus.

typically those in the front office will see a bigger percentage of their base salary as a bonus and the same goes as you climb up the corporate ladder the more senior you are you can broadly expect a higher percentage of your base salary as a bonus

Adopting a strategy of buying timeless, versatile clothing and only purchasing items for future events if they are immediately needed.

Now I buy a lot of Timeless pieces that I know will go with most things and won't go out of fashion and secondly I won't buy hypothetical event clothing anymore if I need something that our buyer and wear it immediately if it's for a future event I'll buy it if I need it.

2 years ago Pending

Adopting a strategy of buying timeless, versatile clothing and only purchasing items for future events if they are immediately needed.

Now I buy a lot of Timeless pieces that I know will go with most things and won't go out of fashion and secondly I won't buy hypothetical event clothing anymore if I need something that our buyer and wear it immediately if it's for a future event I'll buy it if I need it.

Bonuses in investment banking are discretionary, dependent on performance and economic conditions, and can range from 0% to over 100% of the base salary.

I haven't included my bonus in these numbers this is discretionary and it is heavily reliant on your performance and the economy and it can range from zero to over a hundred percent of your base salary

2 years ago Pending

Bonuses in investment banking are discretionary, dependent on performance and economic conditions, and can range from 0% to over 100% of the base salary.

I haven't included my bonus in these numbers this is discretionary and it is heavily reliant on your performance and the economy and it can range from zero to over a hundred percent of your base salary

Salary is determined by negotiation ability rather than inherent worth; therefore, individuals should not hesitate to negotiate.

don't be afraid to negotiate because you don't get paid your worth you get paid your ability to negotiate

2 years ago Pending

Salary is determined by negotiation ability rather than inherent worth; therefore, individuals should not hesitate to negotiate.

don't be afraid to negotiate because you don't get paid your worth you get paid your ability to negotiate

Previously purchased clothing specifically for anticipated events, which often went unworn or were only worn once, with tags still attached for extended periods.

I used to constantly buy outfits for hypothetical events those oh this will be perfect for my friend's dinner party or I'll wear this for the next holiday I go on kind of clothes and these clothes they just ended up sitting in my wardrobe maybe I'd wear them once but for most of them the tags were attached still months or years later.

2 years ago Pending

Previously purchased clothing specifically for anticipated events, which often went unworn or were only worn once, with tags still attached for extended periods.

I used to constantly buy outfits for hypothetical events those oh this will be perfect for my friend's dinner party or I'll wear this for the next holiday I go on kind of clothes and these clothes they just ended up sitting in my wardrobe maybe I'd wear them once but for most of them the tags were attached still months or years later.

It is beneficial to prioritize content creation and output (producing) over passive reception of information (consuming).

where possible spend more time producing rather than consuming

2 years ago Pending

It is beneficial to prioritize content creation and output (producing) over passive reception of information (consuming).

where possible spend more time producing rather than consuming

The most significant salary increases in investment banking were achieved by changing employers.

the biggest jumps in salary came from when I switched jobs

2 years ago Pending

The most significant salary increases in investment banking were achieved by changing employers.

the biggest jumps in salary came from when I switched jobs

If an individual is not being paid their worth and sees no career progression, they should seek employment elsewhere to be compensated appropriately.

as I've said a number of times on this channel if you don't think you're getting paid what you're worth and you also don't see any career progression or opportunities worth staying for then move and find somewhere that will pay you what you're worth

2 years ago Pending

If an individual is not being paid their worth and sees no career progression, they should seek employment elsewhere to be compensated appropriately.

as I've said a number of times on this channel if you don't think you're getting paid what you're worth and you also don't see any career progression or opportunities worth staying for then move and find somewhere that will pay you what you're worth

Individuals should disregard external opinions and noise if their actions are ethical and harmless, to avoid letting others dictate their life choices.

as long as you're doing what you want and you're not hurt or harming anyone else and doing it don't for a second focus on what the external noise and people around you are saying don't let the opinions of others stop you from living your life

2 years ago Pending

Individuals should disregard external opinions and noise if their actions are ethical and harmless, to avoid letting others dictate their life choices.

as long as you're doing what you want and you're not hurt or harming anyone else and doing it don't for a second focus on what the external noise and people around you are saying don't let the opinions of others stop you from living your life

The speaker predicts that they will continue to derive more value from Shortform summaries than from any other platform they have encountered.

I get so much value from reading a short form summary that I would any other platform that I have found

2 years ago Pending

The speaker predicts that they will continue to derive more value from Shortform summaries than from any other platform they have encountered.

I get so much value from reading a short form summary that I would any other platform that I have found

Prefers to read book summaries first and only purchase the full book if the summary is liked, thus avoiding wasted money on disliked books.

I'll first consume most books through a summary app and then if I like the book and I like the summary I'll go ahead and buy the full thing and read it but if I don't like it then I'm not wasting money on buying it.

2 years ago Pending

Prefers to read book summaries first and only purchase the full book if the summary is liked, thus avoiding wasted money on disliked books.

I'll first consume most books through a summary app and then if I like the book and I like the summary I'll go ahead and buy the full thing and read it but if I don't like it then I'm not wasting money on buying it.

The speaker predicts that Shortform's book summaries will consistently include cross-referenced insights and contrasting viewpoints from other books and blogs, providing a more comprehensive understanding than standalone summaries.

what I really like about it is that where they give you a summary of a book they don't just provide a summary of a book they also include Snippets where they bring in learnings and insights from other books for example after a certain section they might say although this author talks about this it is controversial because this evidence shows otherwise and they then give you a link to a book summary or a Blog that they provide additional points to consider

2 years ago Pending

The speaker predicts that Shortform's book summaries will consistently include cross-referenced insights and contrasting viewpoints from other books and blogs, providing a more comprehensive understanding than standalone summaries.

what I really like about it is that where they give you a summary of a book they don't just provide a summary of a book they also include Snippets where they bring in learnings and insights from other books for example after a certain section they might say although this author talks about this it is controversial because this evidence shows otherwise and they then give you a link to a book summary or a Blog that they provide additional points to consider

To achieve a life distinct from the norm and engage in uncommon actions, individuals should dedicate time daily to being alone without their phones.

if you want to live a life that is different from everyone else's and you want to do things that other people aren't willing to do spend some time every day by yourself without your phone

2 years ago Pending

To achieve a life distinct from the norm and engage in uncommon actions, individuals should dedicate time daily to being alone without their phones.

if you want to live a life that is different from everyone else's and you want to do things that other people aren't willing to do spend some time every day by yourself without your phone

Staying in the same investment banking organization and team for four to five more years would have resulted in a maximum salary increase of 15-20%.

had I stayed in the same organization and having spoken to people who are still in that same organization still in the same division still in the same team my salary wouldn't be looking a huge amount different today four or five years later maybe it would have increased 15 to 20 percent maximum

2 years ago Pending

Staying in the same investment banking organization and team for four to five more years would have resulted in a maximum salary increase of 15-20%.

had I stayed in the same organization and having spoken to people who are still in that same organization still in the same division still in the same team my salary wouldn't be looking a huge amount different today four or five years later maybe it would have increased 15 to 20 percent maximum

The author plans to reinvest the difference between income and expenses to build passive income, aiming to reach a point where work is optional rather than a necessity.

I will keep reinvesting the difference in a way that builds out my passive income stream and hopefully gets me to a point where I only work because I want to not because I need it to make money or because I have to

2 years ago Pending

The author plans to reinvest the difference between income and expenses to build passive income, aiming to reach a point where work is optional rather than a necessity.

I will keep reinvesting the difference in a way that builds out my passive income stream and hopefully gets me to a point where I only work because I want to not because I need it to make money or because I have to

If the desire to purchase persists after 48 hours, the item is bought; otherwise, it's considered an impulsive purchase avoided.

After that 48 hour period passes if I'm still thinking about it I'll go ahead and buy it but if I'm not it was just an impulsive buy and I've dodged unnecessary spending.

2 years ago Pending

If the desire to purchase persists after 48 hours, the item is bought; otherwise, it's considered an impulsive purchase avoided.

After that 48 hour period passes if I'm still thinking about it I'll go ahead and buy it but if I'm not it was just an impulsive buy and I've dodged unnecessary spending.

A 7% pay rise for a second-year vice president in investment banking increased the base salary to £96,000 annually, with a net monthly income of £5,359 after taxes and National Insurance.

as a second year vice president I still got another pay rise a smaller pay rise but greater than the rate of inflation at the time and it was seven percent so my base salary was now 96 000 pounds on an annualized basis which on a monthly basis after tax and ni was five thousand three 359 pounds

2 years ago Pending

A 7% pay rise for a second-year vice president in investment banking increased the base salary to £96,000 annually, with a net monthly income of £5,359 after taxes and National Insurance.

as a second year vice president I still got another pay rise a smaller pay rise but greater than the rate of inflation at the time and it was seven percent so my base salary was now 96 000 pounds on an annualized basis which on a monthly basis after tax and ni was five thousand three 359 pounds

The speaker predicts that Shortform is the best book summary app available, offering more in-depth content than competitors like Blinkist, including both one-page and detailed chapter summaries.

short form is a web app for reading book summaries you could use it on your laptop you could use it on your phone and it is hands down the best book summary app that I have found I've tried several including blinkist but I found that there but summaries were a bit superficial whereas some reason short form are very in-depth so you get a one-pager summary but you also get detailed chapter summaries

2 years ago Pending

The speaker predicts that Shortform is the best book summary app available, offering more in-depth content than competitors like Blinkist, including both one-page and detailed chapter summaries.

short form is a web app for reading book summaries you could use it on your laptop you could use it on your phone and it is hands down the best book summary app that I have found I've tried several including blinkist but I found that there but summaries were a bit superficial whereas some reason short form are very in-depth so you get a one-pager summary but you also get detailed chapter summaries

Prioritizing the acquisition of practical skills and engaging in practical businesses is recommended for career advancement.

focus on learning skills that are practical focus on skills or businesses that are practical

2 years ago Pending

Prioritizing the acquisition of practical skills and engaging in practical businesses is recommended for career advancement.

focus on learning skills that are practical focus on skills or businesses that are practical

Implementing a 48-hour waiting period before making any purchase.

Now if I see something that I like before I go to put it into my shopping cart and check out pause and wait 48 hours before buying that thing.

2 years ago Pending

Implementing a 48-hour waiting period before making any purchase.

Now if I see something that I like before I go to put it into my shopping cart and check out pause and wait 48 hours before buying that thing.

The author's income has increased while their expenses and lifestyle have remained unchanged, with no plans for immediate changes.

my income has increased since I made that video but my expenses have stayed exactly the same I've made no change in my lifestyle I don't plan on making changes

2 years ago Pending

The author's income has increased while their expenses and lifestyle have remained unchanged, with no plans for immediate changes.

my income has increased since I made that video but my expenses have stayed exactly the same I've made no change in my lifestyle I don't plan on making changes

Believing that money is scarce or the system is rigged leads to feelings of disempowerment and complacency regarding personal finances.

telling yourself that you can't that money is too scarce or that the game is rigged only causes you to feel disempowered and to become complacent about your finances

2 years ago Pending

Believing that money is scarce or the system is rigged leads to feelings of disempowerment and complacency regarding personal finances.

telling yourself that you can't that money is too scarce or that the game is rigged only causes you to feel disempowered and to become complacent about your finances

Basic understanding of Python programming is a key skill for improving one's resume and securing a job in the tech industry.

to have a basic understanding and one of the most in-demand programming languages if you're looking to improve your skills and land a job in the tech industry then this is one of the key skills you can learn

2 years ago Pending

Basic understanding of Python programming is a key skill for improving one's resume and securing a job in the tech industry.

to have a basic understanding and one of the most in-demand programming languages if you're looking to improve your skills and land a job in the tech industry then this is one of the key skills you can learn

Books offer a highly condensed form of knowledge, allowing readers to absorb years of someone's expertise and experience within a short period.

books are the most radically condensed form of knowledge in the world you can get someone's 10 years worth of knowledge and experience condensed into a book that you can read over a weekend

2 years ago Pending

Books offer a highly condensed form of knowledge, allowing readers to absorb years of someone's expertise and experience within a short period.

books are the most radically condensed form of knowledge in the world you can get someone's 10 years worth of knowledge and experience condensed into a book that you can read over a weekend

The speaker's family replaced the phrase 'I can't afford it' with 'How am I going to afford it?' to encourage a problem-solving mindset around desired purchases.

Growing up my siblings and I weren't allowed to use the phrase I can't afford it in my family household and it's only now years later where I've actually read about phrases like this and the psychological benefits behind it if we wanted something and we actually thought that it was worth the value or exchange of money we had to pay we were told to replace I can't afford it with how am I going to afford it

2 years ago Pending

The speaker's family replaced the phrase 'I can't afford it' with 'How am I going to afford it?' to encourage a problem-solving mindset around desired purchases.

Growing up my siblings and I weren't allowed to use the phrase I can't afford it in my family household and it's only now years later where I've actually read about phrases like this and the psychological benefits behind it if we wanted something and we actually thought that it was worth the value or exchange of money we had to pay we were told to replace I can't afford it with how am I going to afford it

Previously spent a significant portion of income on designer clothing primarily for the brand name, which did not increase in value or justify its price.

A good chunk of every paycheck for me used to go on costly designer stuff that a didn't increase in value and B wasn't even worth the price tag to start with I bought them mainly for the brand name.

2 years ago Pending

Previously spent a significant portion of income on designer clothing primarily for the brand name, which did not increase in value or justify its price.

A good chunk of every paycheck for me used to go on costly designer stuff that a didn't increase in value and B wasn't even worth the price tag to start with I bought them mainly for the brand name.

Promotion to first-year vice president in investment banking came with a 20% pay rise, bringing the annual salary to £90,000, with a net monthly income of £5,061 after taxes and National Insurance.

I got promoted to a first year vice president and I got another pay rise and this time it was 20 so my salary went up to 90 000 pounds for the year which after tax after ni was 5061 pounds per month

2 years ago Pending

Promotion to first-year vice president in investment banking came with a 20% pay rise, bringing the annual salary to £90,000, with a net monthly income of £5,061 after taxes and National Insurance.

I got promoted to a first year vice president and I got another pay rise and this time it was 20 so my salary went up to 90 000 pounds for the year which after tax after ni was 5061 pounds per month

The author identifies their background as a qualified accountant with nine years of investment banking experience as an unfair advantage on social media.

I think for me on social media one of my unfair advantages was the fact that I'm a qualified accountant and I've been working in investment banking for nine years

2 years ago Pending

The author identifies their background as a qualified accountant with nine years of investment banking experience as an unfair advantage on social media.

I think for me on social media one of my unfair advantages was the fact that I'm a qualified accountant and I've been working in investment banking for nine years

The speaker predicts that over the next two years, they will continue to read significantly more books than in their entire previous life, facilitated by the use of short-form book summaries.

through this journey of Discovery I have read more books in the past two years than I have probably in the rest of my life combined and it has been such an important part of my process which is why I wanted to talk about short form because it's one of the ways I was able to consume everything that I did

2 years ago Pending

The speaker predicts that over the next two years, they will continue to read significantly more books than in their entire previous life, facilitated by the use of short-form book summaries.

through this journey of Discovery I have read more books in the past two years than I have probably in the rest of my life combined and it has been such an important part of my process which is why I wanted to talk about short form because it's one of the ways I was able to consume everything that I did

Maintaining good health enables improved performance, allowing for fewer working hours with increased productivity.

if you have your health in check you're able to perform better you can work Less hours and more productively

2 years ago Pending

Maintaining good health enables improved performance, allowing for fewer working hours with increased productivity.

if you have your health in check you're able to perform better you can work Less hours and more productively

Switching to a second-tier investment bank resulted in a 45% pay rise, increasing the annual salary to £75,000, with a net monthly income of £4,297 after taxes and contributions.

I got an offer at a second tier Investment Bank so not one of the largest anymore not as well known it was about a quarter of the size a similar skill set required different division but still in the front office and I got a 45 pay rise so my annual salary was now 75 000 pounds and after tax and other contributions it was 4 297 pounds per month

2 years ago Pending

Switching to a second-tier investment bank resulted in a 45% pay rise, increasing the annual salary to £75,000, with a net monthly income of £4,297 after taxes and contributions.

I got an offer at a second tier Investment Bank so not one of the largest anymore not as well known it was about a quarter of the size a similar skill set required different division but still in the front office and I got a 45 pay rise so my annual salary was now 75 000 pounds and after tax and other contributions it was 4 297 pounds per month

The total savings from purchasing a new electric car, considering write-offs for the car price, charging, and insurance, can be substantial depending on driving habits.

and when you factor in all of the costs you can write off the price of the car the charging cost the insurance cost the saving depending on how much you drive can be huge

2 years ago Pending

The total savings from purchasing a new electric car, considering write-offs for the car price, charging, and insurance, can be substantial depending on driving habits.

and when you factor in all of the costs you can write off the price of the car the charging cost the insurance cost the saving depending on how much you drive can be huge

The speaker predicts that periods of intense work and self-isolation will occur during personal growth, leading to a lack of understanding from others and potential loneliness. However, genuine supporters will remain steadfast.

I still have moments where for a period of time no one will hear from me I'll just disappear and then I'll come back and be ready to socialize again and then I'll disappear again and work really hard on whatever I'm doing and not everyone will get that not everyone will understand what you're trying to do and it can be lonely but the people who do get it will stand by you

2 years ago Pending

The speaker predicts that periods of intense work and self-isolation will occur during personal growth, leading to a lack of understanding from others and potential loneliness. However, genuine supporters will remain steadfast.

I still have moments where for a period of time no one will hear from me I'll just disappear and then I'll come back and be ready to socialize again and then I'll disappear again and work really hard on whatever I'm doing and not everyone will get that not everyone will understand what you're trying to do and it can be lonely but the people who do get it will stand by you

Learning data analysis can improve business strategy and revenue generation through better understanding and utilization of data.

the lessons help you grasp a solid understanding of how to read data how to understand data how to analyze data and then there are interactive exercises that you can show you how you can use that knowledge to improve your business to think strategically and increase your revenue

2 years ago Pending

Learning data analysis can improve business strategy and revenue generation through better understanding and utilization of data.

the lessons help you grasp a solid understanding of how to read data how to understand data how to analyze data and then there are interactive exercises that you can show you how you can use that knowledge to improve your business to think strategically and increase your revenue

The speaker highlights that investing in oneself (e.g., improving money management skills or increasing earning potential through a business or side hustle) is more crucial in the short term than traditional stock market investing, which is typically a slow process.

Very few touch on the importance of putting money towards yourself before investing in the stock market and I guess those are two very different topics but the truth is investing in most cases is a very long and very slow game whereas investing in yourself whether that's your ability to manage money your ability to make more money through a business through a side hustle that is more important when it comes to the short term

2 years ago Pending

The speaker highlights that investing in oneself (e.g., improving money management skills or increasing earning potential through a business or side hustle) is more crucial in the short term than traditional stock market investing, which is typically a slow process.

Very few touch on the importance of putting money towards yourself before investing in the stock market and I guess those are two very different topics but the truth is investing in most cases is a very long and very slow game whereas investing in yourself whether that's your ability to manage money your ability to make more money through a business through a side hustle that is more important when it comes to the short term

The speaker now buys only a few statement decor pieces and essential furniture, rather than accumulating many items.

I buy a few statement pieces you've already seen my home office tour the same also goes for my living room and for my bedroom other than the main items that I really need or want like a coffee table so far dining table and chairs I don't really keep anything else.

2 years ago Pending

The speaker now buys only a few statement decor pieces and essential furniture, rather than accumulating many items.

I buy a few statement pieces you've already seen my home office tour the same also goes for my living room and for my bedroom other than the main items that I really need or want like a coffee table so far dining table and chairs I don't really keep anything else.

By saving the difference between a new car payment and the cost of a cheaper second-hand car, one could afford a $23,000 car outright in cash after four years.

by the end of year four you would have saved up enough to potentially afford to buy a 23 000 car outright in cash after four years again eliminating the need for any financing

2 years ago Pending

By saving the difference between a new car payment and the cost of a cheaper second-hand car, one could afford a $23,000 car outright in cash after four years.

by the end of year four you would have saved up enough to potentially afford to buy a 23 000 car outright in cash after four years again eliminating the need for any financing

Judging others for their success can prevent oneself from attracting similar positive outcomes.

if you judge someone else for anything great that they have in their life you will block that thing from entering into your own life

2 years ago Pending

Judging others for their success can prevent oneself from attracting similar positive outcomes.

if you judge someone else for anything great that they have in their life you will block that thing from entering into your own life

The author believes that a money-making stream is a blend of hard work, luck, and unique advantages that others cannot easily replicate.

I do believe everyone has one I've heard a few other creators speaking about this that your money making stream is a combination of working hard a bit of luck and your unfair advantages

2 years ago Pending

The author believes that a money-making stream is a blend of hard work, luck, and unique advantages that others cannot easily replicate.

I do believe everyone has one I've heard a few other creators speaking about this that your money making stream is a combination of working hard a bit of luck and your unfair advantages

The speaker emphasizes the importance of considering future regret as a motivator for taking action.

what would happen if you didn't take any action at all? what would happen if you didn't change anything? what would your life look like in five years in 10 years in 20 years time if you didn't do anything

2 years ago Pending

The speaker emphasizes the importance of considering future regret as a motivator for taking action.

what would happen if you didn't take any action at all? what would happen if you didn't change anything? what would your life look like in five years in 10 years in 20 years time if you didn't do anything

Money held in bank accounts loses value annually due to inflation.

you want to avoid leaving that money in a bank account because inflation is a thing and it means that you're essentially losing money every year

3 years ago Pending

Money held in bank accounts loses value annually due to inflation.

you want to avoid leaving that money in a bank account because inflation is a thing and it means that you're essentially losing money every year

Therapy can provide significant insights into personal challenges and emotional states, aiding in self-understanding.

I've spent money on therapy before and it really helped me understand what was impacting me and why I was feeling a certain way with my life at a certain period of my time

2 years ago Pending

Therapy can provide significant insights into personal challenges and emotional states, aiding in self-understanding.

I've spent money on therapy before and it really helped me understand what was impacting me and why I was feeling a certain way with my life at a certain period of my time

While a lack of financial literacy in one's early 20s may have limited consequences due to lower income, continuing this ignorance into one's 30s and 40s will make it significantly harder to rectify.

it might just be excusable not to invest in our financial literacy in our early 20s we're busy living life dating seeing new places having expensive items and because we don't have much money to begin with the consequences of our lack of financial literacy are actually limited however if we carry that mindset through with us to our 30s and to our 40s and don't bother developing our knowledge base of financial literacy it'll become harder and harder to undo.

2 years ago Pending

While a lack of financial literacy in one's early 20s may have limited consequences due to lower income, continuing this ignorance into one's 30s and 40s will make it significantly harder to rectify.

it might just be excusable not to invest in our financial literacy in our early 20s we're busy living life dating seeing new places having expensive items and because we don't have much money to begin with the consequences of our lack of financial literacy are actually limited however if we carry that mindset through with us to our 30s and to our 40s and don't bother developing our knowledge base of financial literacy it'll become harder and harder to undo.

Charging and insurance costs for electric cars are predicted to be 100% tax-deductible.

and the same goes with insurance insurance is a bit more expensive than it is for non-electric cars but it's also 100 tax deductible

2 years ago Pending

Charging and insurance costs for electric cars are predicted to be 100% tax-deductible.

and the same goes with insurance insurance is a bit more expensive than it is for non-electric cars but it's also 100 tax deductible

Achieving greatness and differentiating oneself requires prioritizing action over talking about actions.

by saying less than necessary I don't mean gatekeeping information or being secretive about the knowledge you have I do believe that to do anything great and to really set yourself apart you need to spend more time doing the thing than talking about doing it

2 years ago Pending

Achieving greatness and differentiating oneself requires prioritizing action over talking about actions.

by saying less than necessary I don't mean gatekeeping information or being secretive about the knowledge you have I do believe that to do anything great and to really set yourself apart you need to spend more time doing the thing than talking about doing it

Authenticity and building upon one's core skills and strengths can lead to creating a unique market space where direct competition is impossible.

I truly believe to escape competition is to be authentic to yourself understand what your core skills and strengths are what you stand for and then build and Market something that's just an extension of who you are then no one can compete with you you've just invented a whole new game

2 years ago Pending

Authenticity and building upon one's core skills and strengths can lead to creating a unique market space where direct competition is impossible.

I truly believe to escape competition is to be authentic to yourself understand what your core skills and strengths are what you stand for and then build and Market something that's just an extension of who you are then no one can compete with you you've just invented a whole new game

Frequent travel can enhance cognitive flexibility and creativity, leading to better idea generation and problem-solving skills among professionals.

a study found that frequent travel can improve cognitive flexibility and creativity and the study surveyed 100 professionals and they found that those that traveled more and more frequently had higher levels of cognitive flexibility and they were able to generate new ideas and so of problems better

2 years ago Pending

Frequent travel can enhance cognitive flexibility and creativity, leading to better idea generation and problem-solving skills among professionals.

a study found that frequent travel can improve cognitive flexibility and creativity and the study surveyed 100 professionals and they found that those that traveled more and more frequently had higher levels of cognitive flexibility and they were able to generate new ideas and so of problems better

The speaker predicts that valuable advice for personal growth can only be obtained from individuals who have already achieved the desired outcome or have a similar track record. Opinions from others without this qualification are deemed irrelevant for dictating one's path.

The only people who you want to get advice from are people who are already where you want to be or have done something similar

2 years ago Pending

The speaker predicts that valuable advice for personal growth can only be obtained from individuals who have already achieved the desired outcome or have a similar track record. Opinions from others without this qualification are deemed irrelevant for dictating one's path.

The only people who you want to get advice from are people who are already where you want to be or have done something similar

For a second-year associate in investment banking, the salary remained flat at £52,000 annually, with a slight net monthly increase to £3,161 due to changes in the personal allowance tax bracket.

my salary stayed flat it didn't increase at all not even in line with inflation so I made again 52 000 pounds that year and after tax per month it was slightly higher it was 3161 pounds and that's because the personal allowance tax bracket changed that year

2 years ago Pending

For a second-year associate in investment banking, the salary remained flat at £52,000 annually, with a slight net monthly increase to £3,161 due to changes in the personal allowance tax bracket.

my salary stayed flat it didn't increase at all not even in line with inflation so I made again 52 000 pounds that year and after tax per month it was slightly higher it was 3161 pounds and that's because the personal allowance tax bracket changed that year

The speaker uses 'what if I put myself on social media and started a YouTube channel' as an example of a fear to be addressed with the fear-setting exercise.

what if I put myself on social media media and started a YouTube channel

2 years ago Pending

The speaker uses 'what if I put myself on social media and started a YouTube channel' as an example of a fear to be addressed with the fear-setting exercise.

what if I put myself on social media media and started a YouTube channel

The author adopted daily habits including meditation, journaling, and dedicating three hours to a side hustle.

I implemented these small habits every single day I meditated it first thing in the morning I wrote in my journal every day I spent three hours no matter what every day on a side hustle

2 years ago Pending

The author adopted daily habits including meditation, journaling, and dedicating three hours to a side hustle.

I implemented these small habits every single day I meditated it first thing in the morning I wrote in my journal every day I spent three hours no matter what every day on a side hustle

Using public transport and occasional Uber rides is significantly cheaper than owning a car.

I get the public transport everywhere and when I do need a car I'll just get an Uber and the price of that the amount of times I get an Uber within a month is way less than the cost of car ownership.

2 years ago Pending

Using public transport and occasional Uber rides is significantly cheaper than owning a car.

I get the public transport everywhere and when I do need a car I'll just get an Uber and the price of that the amount of times I get an Uber within a month is way less than the cost of car ownership.

A strategy is to buy a second-hand car outright using the amount that would have been a down payment for a new car.

buy a second-hand car outright using what you would have spent on a down payment for a new car... yes the car you get for five thousand dollars might not be anything special or the latest model in anything but remember this is about understanding the trade-offs and the benefits of delayed gratification

2 years ago Pending

A strategy is to buy a second-hand car outright using the amount that would have been a down payment for a new car.

buy a second-hand car outright using what you would have spent on a down payment for a new car... yes the car you get for five thousand dollars might not be anything special or the latest model in anything but remember this is about understanding the trade-offs and the benefits of delayed gratification

The average personal debt in the UK exceeds £33,000.

The average personal debt in the UK is over 33 000 pounds.

2 years ago Pending

The average personal debt in the UK exceeds £33,000.

The average personal debt in the UK is over 33 000 pounds.

The author agrees with the principle that the best investment opportunities are often found in familiar products and services encountered in daily life, suggesting this gives average investors an advantage over Wall Street professionals.

the best investments are often right under your nose in the sense that they align with what we already know and engage with in our daily lives and based on this we actually have a huge advantage over Wall Street Pros

2 years ago Pending

The author agrees with the principle that the best investment opportunities are often found in familiar products and services encountered in daily life, suggesting this gives average investors an advantage over Wall Street professionals.

the best investments are often right under your nose in the sense that they align with what we already know and engage with in our daily lives and based on this we actually have a huge advantage over Wall Street Pros

The speaker emphasizes that the ability to simply and effectively explain and present a valuable idea is crucial for its value to be recognized and for it to be successful.

I knew it was a great idea but I just didn't know the best way to present it and he sat with me for hours and refined it and listened to me practice multiple times and the real thing went down really well but the point is you might have something really valuable but if you can't unlock it for others it's value diminishes and your ability to Market to sell to communicate that will set your ideas apart

2 years ago Pending

The speaker emphasizes that the ability to simply and effectively explain and present a valuable idea is crucial for its value to be recognized and for it to be successful.

I knew it was a great idea but I just didn't know the best way to present it and he sat with me for hours and refined it and listened to me practice multiple times and the real thing went down really well but the point is you might have something really valuable but if you can't unlock it for others it's value diminishes and your ability to Market to sell to communicate that will set your ideas apart

Investing in mental and physical health is foundational for success and enjoyment in all other aspects of life.

if you don't invest in these two things you can forget pretty much everything else on the list because it really is the baseline or the foundation for everything else in your life

2 years ago Pending

Investing in mental and physical health is foundational for success and enjoyment in all other aspects of life.

if you don't invest in these two things you can forget pretty much everything else on the list because it really is the baseline or the foundation for everything else in your life

Delaying investment will necessitate greater effort to achieve the same financial goals.

the longer you put off investing the harder you will have to work to get that same

3 years ago Pending

Delaying investment will necessitate greater effort to achieve the same financial goals.

the longer you put off investing the harder you will have to work to get that same

A low credit score can lead to higher interest rates on significant purchases like mortgages and cars, potentially costing tens of thousands of dollars over 5-15 years.

if your credit score is lower because you didn't focus on it you may qualify for a higher interest rate and over the course of 5 10 15 years time this can cost you tens of thousands

2 years ago Pending

A low credit score can lead to higher interest rates on significant purchases like mortgages and cars, potentially costing tens of thousands of dollars over 5-15 years.

if your credit score is lower because you didn't focus on it you may qualify for a higher interest rate and over the course of 5 10 15 years time this can cost you tens of thousands

Peter Thiel, co-founder of PayPal, experienced being trapped in conventional competition, like climbing corporate ranks in a law firm, before questioning and changing his direction.

Peter Theo here is the co-founder of PayPal and he speaks about this a lot he himself was trapped competing with his peers to climb the corporate ranks in one of the top law firms as this is what Society had indicated was the right thing to do and eventually he got to a point where he took a step back and questioned why he was even competing on this thing

2 years ago Pending

Peter Thiel, co-founder of PayPal, experienced being trapped in conventional competition, like climbing corporate ranks in a law firm, before questioning and changing his direction.

Peter Theo here is the co-founder of PayPal and he speaks about this a lot he himself was trapped competing with his peers to climb the corporate ranks in one of the top law firms as this is what Society had indicated was the right thing to do and eventually he got to a point where he took a step back and questioned why he was even competing on this thing

Hiring a virtual assistant and outsourcing tasks can help overcome obstacles and advance to the next stage of personal or business development.

the solution was getting more people on board and Outsourcing more things and also getting an amazing virtual assistant who has helped me tackle things that were stopping me from getting to the next stage

2 years ago Pending

Hiring a virtual assistant and outsourcing tasks can help overcome obstacles and advance to the next stage of personal or business development.

the solution was getting more people on board and Outsourcing more things and also getting an amazing virtual assistant who has helped me tackle things that were stopping me from getting to the next stage

Negative emotions like jealousy should be channeled into inspiration and motivation for personal advancement.

instead of using jealousy to send negative thoughts into the world or to other people put it into inspiration use that negative energy and put it into motivation

2 years ago Pending

Negative emotions like jealousy should be channeled into inspiration and motivation for personal advancement.

instead of using jealousy to send negative thoughts into the world or to other people put it into inspiration use that negative energy and put it into motivation

Electric cars are predicted to have significantly lower maintenance and service costs due to the absence of an engine.

firstly the general maintenance cost of electric cars are lower the car doesn't have an engine so there are barely any maintenance or service costs at all

2 years ago Pending

Electric cars are predicted to have significantly lower maintenance and service costs due to the absence of an engine.

firstly the general maintenance cost of electric cars are lower the car doesn't have an engine so there are barely any maintenance or service costs at all

Individuals with an accountability partner accomplish significantly more than those without one, even if they have written goals and plans.

results revealed that the final group who had the support of someone to hold them accountable accomplished significantly more than all of the other groups

3 years ago Pending

Individuals with an accountability partner accomplish significantly more than those without one, even if they have written goals and plans.

results revealed that the final group who had the support of someone to hold them accountable accomplished significantly more than all of the other groups

Negotiating a salary resulted in a 30% pay rise for a first-year associate, bringing the annual salary to £52,000, with a net monthly income of £3,135 after taxes and contributions.

my pay was adjusted and I got a 30 pay rise so my salary went up to 52 000 pounds a year again after taxes and other contributions that was 3 135 pounds in my bank account each month

2 years ago Pending

Negotiating a salary resulted in a 30% pay rise for a first-year associate, bringing the annual salary to £52,000, with a net monthly income of £3,135 after taxes and contributions.

my pay was adjusted and I got a 30 pay rise so my salary went up to 52 000 pounds a year again after taxes and other contributions that was 3 135 pounds in my bank account each month

For the speaker, using taxis/Ubers is more cost-efficient than owning, leasing, or financing a car due to costs like fuel, insurance, and maintenance.

I ran the numbers and found that getting a taxi or an Uber whenever I needed a car turned out to be more cost efficient than the cost associated with leasing with financing with buying a car right and the costs of fuel Insurance maintenance Etc

2 years ago Pending

For the speaker, using taxis/Ubers is more cost-efficient than owning, leasing, or financing a car due to costs like fuel, insurance, and maintenance.

I ran the numbers and found that getting a taxi or an Uber whenever I needed a car turned out to be more cost efficient than the cost associated with leasing with financing with buying a car right and the costs of fuel Insurance maintenance Etc

The speaker predicts a general principle of delayed gratification: actions that provide immediate pleasure (feel good now) will lead to negative consequences later, while actions that are difficult in the present (feel hard now) will lead to positive outcomes in the future.

Most things that feel good now will feel bad later and most things that feel hard now will feel good later

2 years ago Pending

The speaker predicts a general principle of delayed gratification: actions that provide immediate pleasure (feel good now) will lead to negative consequences later, while actions that are difficult in the present (feel hard now) will lead to positive outcomes in the future.

Most things that feel good now will feel bad later and most things that feel hard now will feel good later

The speaker uses 'what if I quit my job' as an example of a fear to be addressed with the fear-setting exercise.

what if I quit my job

2 years ago Pending

The speaker uses 'what if I quit my job' as an example of a fear to be addressed with the fear-setting exercise.

what if I quit my job

YouTube has become a significant income stream for the author, exceeding their initial expectations.

you YouTube is now one of my income streams more so than I ever expected it to be

2 years ago Pending

YouTube has become a significant income stream for the author, exceeding their initial expectations.

you YouTube is now one of my income streams more so than I ever expected it to be

Selling a car results in significant savings on lease/finance, fuel, maintenance, insurance, and other associated costs.

Since I sold my car I have so much more left over because I'm saving not only on the lease or the finance or the ongoing payments it's also the money that I'm saving on fuel and maintenance insurance and all the other hidden costs that go into car ownership.

2 years ago Pending

Selling a car results in significant savings on lease/finance, fuel, maintenance, insurance, and other associated costs.

Since I sold my car I have so much more left over because I'm saving not only on the lease or the finance or the ongoing payments it's also the money that I'm saving on fuel and maintenance insurance and all the other hidden costs that go into car ownership.

John Bogle, CEO of Vanguard, advocates for investing in index funds indefinitely as the optimal strategy for beginner investors, asserting their outperformance against primary alternatives and suggesting age-dependent asset allocation between stocks and bonds.

he invented index fans so naturally he argues how the winning strategy for beginner investors is simple invest in index funds and do it indefinitely he talks about why index funds outperform primary Alternatives and talks about the ideal asset allocation of stocks to bonds depending on your age

2 years ago Pending

John Bogle, CEO of Vanguard, advocates for investing in index funds indefinitely as the optimal strategy for beginner investors, asserting their outperformance against primary alternatives and suggesting age-dependent asset allocation between stocks and bonds.

he invented index fans so naturally he argues how the winning strategy for beginner investors is simple invest in index funds and do it indefinitely he talks about why index funds outperform primary Alternatives and talks about the ideal asset allocation of stocks to bonds depending on your age

Leverage tax rules and investment vehicles like ISAs or Roth IRAs, or operate under a business structure, to legally minimize tax liabilities.

understanding tax rules in a way that's stack up in your favor for example investing through an Isa or a Roth IRA which is an investment account that shelters your dividend and profit from taxes or operating under a business instead

3 years ago Pending

Leverage tax rules and investment vehicles like ISAs or Roth IRAs, or operate under a business structure, to legally minimize tax liabilities.

understanding tax rules in a way that's stack up in your favor for example investing through an Isa or a Roth IRA which is an investment account that shelters your dividend and profit from taxes or operating under a business instead

It's financially beneficial to outsource tasks that can be done by professionals for less than the value of your own hourly earnings, to maximize potential income.

if you earn 50 per hour in your job or your business and you spend five hours doing a task that a professional could do for a hundred dollars you're effectively losing out on 150 250 of your potential earnings minus the hundred dollars cost by doing this task to yourself

2 years ago Pending

It's financially beneficial to outsource tasks that can be done by professionals for less than the value of your own hourly earnings, to maximize potential income.

if you earn 50 per hour in your job or your business and you spend five hours doing a task that a professional could do for a hundred dollars you're effectively losing out on 150 250 of your potential earnings minus the hundred dollars cost by doing this task to yourself

The average debt held by Americans is $96,000.

The average American holds a debt balance of ninety six thousand dollars.

2 years ago Pending

The average debt held by Americans is $96,000.

The average American holds a debt balance of ninety six thousand dollars.

The initial offer in negotiations is typically a starting point and not the best possible offer the other party can provide.

often the first offer that is put on the table is not the best offer that the other party can do and it's usually just a starting point

2 years ago Pending

The initial offer in negotiations is typically a starting point and not the best possible offer the other party can provide.

often the first offer that is put on the table is not the best offer that the other party can do and it's usually just a starting point

The speaker highlights marketing and sales as highly valuable skills that are fundamentally about persuasion and communication, applicable to everyday situations beyond the business world.

marketing and skills stand out as two of the most valuable and when you first think about it these skills seem limited to just the business world but so much of our Lives revolves around the simple Act of persuading and communicating if you think about it every day we find ourselves in a situation where we need to promote or we need to sell something it could be simple like trying to persuade your friend to try a new restaurant or negotiating with your child about bedtime or as complex as presenting a business proposal the key is how effectively can you convince someone of your point of view

2 years ago Pending

The speaker highlights marketing and sales as highly valuable skills that are fundamentally about persuasion and communication, applicable to everyday situations beyond the business world.

marketing and skills stand out as two of the most valuable and when you first think about it these skills seem limited to just the business world but so much of our Lives revolves around the simple Act of persuading and communicating if you think about it every day we find ourselves in a situation where we need to promote or we need to sell something it could be simple like trying to persuade your friend to try a new restaurant or negotiating with your child about bedtime or as complex as presenting a business proposal the key is how effectively can you convince someone of your point of view

The speaker uses the word 'yet' to reframe limiting beliefs like 'I don't have enough knowledge' or 'I'm not skilled enough,' indicating a need to either proceed or acquire the necessary skills.

I consciously add the word yet to the end. I don't have enough knowledge yet, I'm not skilled enough yet and then that yet is just an indicator to me that either I need to go over it and just wing it or I need to do some more work and upskill myself so that I am ready

2 years ago Pending

The speaker uses the word 'yet' to reframe limiting beliefs like 'I don't have enough knowledge' or 'I'm not skilled enough,' indicating a need to either proceed or acquire the necessary skills.

I consciously add the word yet to the end. I don't have enough knowledge yet, I'm not skilled enough yet and then that yet is just an indicator to me that either I need to go over it and just wing it or I need to do some more work and upskill myself so that I am ready

Solo travel fosters personal development and provides a new perspective on life by pushing individuals outside their comfort zones.

traveling alone really pushes you out of your comfort zone it develops you as a person and gives you a whole new perspective on life

2 years ago Pending

Solo travel fosters personal development and provides a new perspective on life by pushing individuals outside their comfort zones.

traveling alone really pushes you out of your comfort zone it develops you as a person and gives you a whole new perspective on life

The author claims that their robot vacuum cleaner has eliminated the need for manual vacuuming for the past six months.

we haven't hoovered or what in the last six months

2 years ago Pending

The author claims that their robot vacuum cleaner has eliminated the need for manual vacuuming for the past six months.

we haven't hoovered or what in the last six months

Writing down goals increases the likelihood of achieving them by 33%.

studies show that you are 33 more likely to achieve your goal if you write it down

3 years ago Pending

Writing down goals increases the likelihood of achieving them by 33%.

studies show that you are 33 more likely to achieve your goal if you write it down

The happiness derived from purchasing new material possessions is temporary and will eventually revert to baseline happiness levels.

the happiness boost we get from buying something new is temporary and we eventually will always return to our Baseline happiness level

2 years ago Pending

The happiness derived from purchasing new material possessions is temporary and will eventually revert to baseline happiness levels.

the happiness boost we get from buying something new is temporary and we eventually will always return to our Baseline happiness level

The benefit-in-kind tax rate for electric cars like the Tesla is predicted to be 2% of the car's value.

and so for something like the Tesla it's ridiculously low it's currently two percent of the value of the car

2 years ago Pending

The benefit-in-kind tax rate for electric cars like the Tesla is predicted to be 2% of the car's value.

and so for something like the Tesla it's ridiculously low it's currently two percent of the value of the car

The speaker predicts that dedicating all free time, including weekends, to building a desired life, even at the expense of social plans and current wants, is essential for growth and self-investment. This implies a future state where current sacrifices lead to future fulfillment.

use the weekend to build the life that you want instead of trying to escape the life that you have you want to dedicate every free moment you have to this thing that's going to mean saying no to social plans saying no to things that you want to do saying no to spending your money on some things because you need that money to invest in yourself and to grow

2 years ago Pending

The speaker predicts that dedicating all free time, including weekends, to building a desired life, even at the expense of social plans and current wants, is essential for growth and self-investment. This implies a future state where current sacrifices lead to future fulfillment.

use the weekend to build the life that you want instead of trying to escape the life that you have you want to dedicate every free moment you have to this thing that's going to mean saying no to social plans saying no to things that you want to do saying no to spending your money on some things because you need that money to invest in yourself and to grow

Moving to a front-office role in transaction banking led to a 6% salary increase to £40,000 annually, with a net monthly income of £3,523 after taxes.

my salary went up six percent to 40 000 pounds per year on a monthly basis after taxes that was three thousand five hundred and twenty three pounds per month

2 years ago Pending

Moving to a front-office role in transaction banking led to a 6% salary increase to £40,000 annually, with a net monthly income of £3,523 after taxes.

my salary went up six percent to 40 000 pounds per year on a monthly basis after taxes that was three thousand five hundred and twenty three pounds per month

The 24/10 approach suggests a 20% down payment, a loan term of no more than 4 years, and car expenses (including payment, maintenance, and insurance) not exceeding 10% of monthly income.

20 stands for the down payment you should be making on your car... the four represents the term of the car loan so simply put you should aim to pay off your car loan in no more than four years I.E 48 months and then finally the 10 is the portion of your total monthly income that should be allocated to car expenses so this includes not only your monthly car payment but also things like your maintenance and your insurance

2 years ago Pending

The 24/10 approach suggests a 20% down payment, a loan term of no more than 4 years, and car expenses (including payment, maintenance, and insurance) not exceeding 10% of monthly income.

20 stands for the down payment you should be making on your car... the four represents the term of the car loan so simply put you should aim to pay off your car loan in no more than four years I.E 48 months and then finally the 10 is the portion of your total monthly income that should be allocated to car expenses so this includes not only your monthly car payment but also things like your maintenance and your insurance

According to the speaker, 'The Intelligent Investor' by Benjamin Graham suggests that successful long-term investing requires a rational decision-making framework and emotional control, rather than specialized knowledge or high intelligence. This is a principle endorsed by Warren Buffett.

The Intelligent Investor is a book Warren Buffett read when he was 19 and he still calls this the best book on investing that has ever been written The principles of this book are Timeless and it illustrates how investing over the long term does not require any specialist knowledge it doesn't require being super intelligent or having really deep Insight on anything it just requires two things and that is one a rational framework to make a decision and secondly not letting your emotions override your rational framework

2 years ago Pending

According to the speaker, 'The Intelligent Investor' by Benjamin Graham suggests that successful long-term investing requires a rational decision-making framework and emotional control, rather than specialized knowledge or high intelligence. This is a principle endorsed by Warren Buffett.

The Intelligent Investor is a book Warren Buffett read when he was 19 and he still calls this the best book on investing that has ever been written The principles of this book are Timeless and it illustrates how investing over the long term does not require any specialist knowledge it doesn't require being super intelligent or having really deep Insight on anything it just requires two things and that is one a rational framework to make a decision and secondly not letting your emotions override your rational framework

Shift from buying items like face masks and food in bulk packages to a 'buy as I need' strategy.

I used to buy stuff as packages all the time extra face masks extra food items but now I have a strict buy as I need strategy.

2 years ago Pending

Shift from buying items like face masks and food in bulk packages to a 'buy as I need' strategy.

I used to buy stuff as packages all the time extra face masks extra food items but now I have a strict buy as I need strategy.

The speaker uses 'what if I started that side hustle' as an example of a fear to be addressed with the fear-setting exercise.

what if I started that side hustle that I've been putting off for a while

2 years ago Pending

The speaker uses 'what if I started that side hustle' as an example of a fear to be addressed with the fear-setting exercise.

what if I started that side hustle that I've been putting off for a while

Early investment allows individuals to benefit from the power of compounding returns.

starting early means you can benefit from compounding

2 years ago Pending

Early investment allows individuals to benefit from the power of compounding returns.

starting early means you can benefit from compounding

The author expanded their income streams beyond a day job and rental property, focusing on both online and offline ventures over the past 12 months.

this time last year I had two income streams and that was firstly through my day job as a banker and secondly through rental property and in the last 12 months I was committed to building those out both online and offline

2 years ago Pending

The author expanded their income streams beyond a day job and rental property, focusing on both online and offline ventures over the past 12 months.

this time last year I had two income streams and that was firstly through my day job as a banker and secondly through rental property and in the last 12 months I was committed to building those out both online and offline

The speaker would pay a premium for a MacBook due to its ease of use, editing software, and performance, while opting for a less expensive but equally functional jumper.

For example, I'd rather spend $50 on a good quality jumper than $500 on the same quality jumper just because it has a specific brand on it because it still does what it's meant to do. But I would still splurge out on a MacBook because for me, I'm paying for the ease in the use, the editing software, the performance.

2 years ago Pending

The speaker would pay a premium for a MacBook due to its ease of use, editing software, and performance, while opting for a less expensive but equally functional jumper.

For example, I'd rather spend $50 on a good quality jumper than $500 on the same quality jumper just because it has a specific brand on it because it still does what it's meant to do. But I would still splurge out on a MacBook because for me, I'm paying for the ease in the use, the editing software, the performance.

The UK government intends to ban cold calls selling financial products.

the government is also looking to put a ban on all cold calls selling Financial products

2 years ago Pending

The UK government intends to ban cold calls selling financial products.

the government is also looking to put a ban on all cold calls selling Financial products

The income-generating side of personal finance has unlimited potential upside through various means like stock market investing, seeking raises, or starting side hustles.

the making money side does not it's infinite there is unlimited potential upside whether it's investing in the stock market asking for a pay rise starting a side hustle

3 years ago Pending

The income-generating side of personal finance has unlimited potential upside through various means like stock market investing, seeking raises, or starting side hustles.

the making money side does not it's infinite there is unlimited potential upside whether it's investing in the stock market asking for a pay rise starting a side hustle

Financial freedom is best achieved by owning equity in a business rather than solely relying on earning income from one's time.

You're not going to get rich renting out your time you must own Equity a piece of a business to gain your Financial Freedom.

2 years ago Pending

Financial freedom is best achieved by owning equity in a business rather than solely relying on earning income from one's time.

You're not going to get rich renting out your time you must own Equity a piece of a business to gain your Financial Freedom.

The speaker observes two distinct reactions to AI development: fear and resistance leading to job loss concerns, versus proactive adoption for business streamlining and opportunity creation.

on one side there's a group of people that think it is the worst thing ever they resist it they think it should be contained or stopped and they fear that it will lead to mass job losses huge negative consequences and then there's another group of people who are already using it they've started forming their business around it they're using it to streamline processes and help them open up new opportunities

2 years ago Pending

The speaker observes two distinct reactions to AI development: fear and resistance leading to job loss concerns, versus proactive adoption for business streamlining and opportunity creation.

on one side there's a group of people that think it is the worst thing ever they resist it they think it should be contained or stopped and they fear that it will lead to mass job losses huge negative consequences and then there's another group of people who are already using it they've started forming their business around it they're using it to streamline processes and help them open up new opportunities

Utilizing a dedicated desk for work and physically separating from the workspace signals to the brain when it's time to de-stress and disengage from work, contributing to better work-life balance.

working from a desk helps you get the work done be productive but also optimize for work-life balance when you're able to shut your computer and physically move away from your workspace you're sending a clear signal to your brain that is time to de-stress and switch off

2 years ago Pending

Utilizing a dedicated desk for work and physically separating from the workspace signals to the brain when it's time to de-stress and disengage from work, contributing to better work-life balance.

working from a desk helps you get the work done be productive but also optimize for work-life balance when you're able to shut your computer and physically move away from your workspace you're sending a clear signal to your brain that is time to de-stress and switch off

Investing in quality mattresses and office chairs is advised due to the significant amount of time spent using them, impacting long-term health and well-being.

if you live until you're 99 years old then you would have spent 33 years of that sleeping so you may as well spend your money on something that is going to a help your posture in the long run and B help you get a great night's sleep

2 years ago Pending

Investing in quality mattresses and office chairs is advised due to the significant amount of time spent using them, impacting long-term health and well-being.

if you live until you're 99 years old then you would have spent 33 years of that sleeping so you may as well spend your money on something that is going to a help your posture in the long run and B help you get a great night's sleep

The speaker advises to sometimes disregard negative data, numbers, or signs and to prioritize starting and learning, rather than waiting for perfect conditions.

sometimes you've got to ignore everything else you've got to ignore the numbers ignore the data ignore the little signs that are telling you not to do something and override all of it start and then learn

2 years ago Pending

The speaker advises to sometimes disregard negative data, numbers, or signs and to prioritize starting and learning, rather than waiting for perfect conditions.

sometimes you've got to ignore everything else you've got to ignore the numbers ignore the data ignore the little signs that are telling you not to do something and override all of it start and then learn

The presenter has not manually vacuumed or mopped their floors in the last six months due to the effectiveness of the 360 S8 Robot Vacuum Cleaner with Mop.

this thing godsend we haven't hoovered or what in the last six months

2 years ago Pending

The presenter has not manually vacuumed or mopped their floors in the last six months due to the effectiveness of the 360 S8 Robot Vacuum Cleaner with Mop.

this thing godsend we haven't hoovered or what in the last six months

New electric cars purchased through a company structure are fully tax-deductible against business profits for the year of purchase.

there are a lot of different benefits of operating under a company one of being the massive amount of tax savings I'm not going to go into the details in this video because I have a whole section of it covered in another video and I'll link that over here for you as well so now buying your car under a company is specifically beneficial for new electric cars because firstly they are 100 tax deductible which means you can write off the full price of a new car against your profits from that year

2 years ago Pending

New electric cars purchased through a company structure are fully tax-deductible against business profits for the year of purchase.

there are a lot of different benefits of operating under a company one of being the massive amount of tax savings I'm not going to go into the details in this video because I have a whole section of it covered in another video and I'll link that over here for you as well so now buying your car under a company is specifically beneficial for new electric cars because firstly they are 100 tax deductible which means you can write off the full price of a new car against your profits from that year

The optimal timeframe for breaking down goals is three months, as longer periods lead to loss of focus and shorter periods make goals too small.

the authors suggest that if you give yourself any longer than three months and you lose focus and any shorter then your goals aren't big enough

3 years ago Pending

The optimal timeframe for breaking down goals is three months, as longer periods lead to loss of focus and shorter periods make goals too small.

the authors suggest that if you give yourself any longer than three months and you lose focus and any shorter then your goals aren't big enough

Roger Bannister's achievement of running a mile in under four minutes in the 1950s, once considered impossible, became a common feat for athletes afterward.

Once upon a time it was considered impossible for any human being to run a mile in less than four minutes until Roger Bannister did it in Oxford in the 1950s and then when that strange thing happened more and more athletes started running a mile in under four minutes and now his impossible achievement is a common place

2 years ago Pending

Roger Bannister's achievement of running a mile in under four minutes in the 1950s, once considered impossible, became a common feat for athletes afterward.

Once upon a time it was considered impossible for any human being to run a mile in less than four minutes until Roger Bannister did it in Oxford in the 1950s and then when that strange thing happened more and more athletes started running a mile in under four minutes and now his impossible achievement is a common place

It's recommended to have separate savings accounts for each major financial goal (e.g., house, car) to track progress more effectively.

I would also recommend having a separate account for each of your bigger saving goals so if you're saving for a house have a house fund if you're saving for a car have a car fund

2 years ago Pending

It's recommended to have separate savings accounts for each major financial goal (e.g., house, car) to track progress more effectively.

I would also recommend having a separate account for each of your bigger saving goals so if you're saving for a house have a house fund if you're saving for a car have a car fund

Angel investing or other high-risk investments are suitable for individuals with a high-risk tolerance, disposable income, and acceptance of potential loss.

maybe you don't mind taking big risks you don't mind taking big breaths in exchange for a big reward and you have a lot of disposable income but you don't mind losing then maybe Angel Investing or more risk your Investments are for you

2 years ago Pending

Angel investing or other high-risk investments are suitable for individuals with a high-risk tolerance, disposable income, and acceptance of potential loss.

maybe you don't mind taking big risks you don't mind taking big breaths in exchange for a big reward and you have a lot of disposable income but you don't mind losing then maybe Angel Investing or more risk your Investments are for you

The author has been a consistent user of Huel for over two years, indicating sustained use.

I've been a pain customer full for over two years now and I have it pretty regularly

2 years ago Pending

The author has been a consistent user of Huel for over two years, indicating sustained use.

I've been a pain customer full for over two years now and I have it pretty regularly

A 7% pay rise for a second-year analyst in investment banking resulted in an annual salary of £37,500, with a net monthly income of £2,371 after taxes and contributions.

as a second year unless I got a seven percent pay rise so my salary went up to 37 500 for the year and after tax and other contributions it was 2 371 pounds per month

2 years ago Pending

A 7% pay rise for a second-year analyst in investment banking resulted in an annual salary of £37,500, with a net monthly income of £2,371 after taxes and contributions.

as a second year unless I got a seven percent pay rise so my salary went up to 37 500 for the year and after tax and other contributions it was 2 371 pounds per month

Index funds are recommended over picking individual stocks for the majority of people due to diversification and reduced risk.

for most people this is far better than picking individual stocks because you diversify your money by splitting it through these 500 companies or so overall index funds are a good choice for anyone who wants to invest in the stock market without taking on too much risk

2 years ago Pending

Index funds are recommended over picking individual stocks for the majority of people due to diversification and reduced risk.

for most people this is far better than picking individual stocks because you diversify your money by splitting it through these 500 companies or so overall index funds are a good choice for anyone who wants to invest in the stock market without taking on too much risk

The speaker predicts that by becoming obsessed with a goal for a predetermined period, one will develop an 'unwavering disproportionate belief' in achieving it. This belief is fostered by constant thought, from morning to night, and even dreams.

I've made an active effort to remove all of that from my life and I'll go into this point a bit more in the third section the second part of this step is to have this unwavering disproportionate belief that you're going to achieve that thing and give yourself a predetermined period of time where you will become obsessed with it you'll think about it first thing in the morning you'll dream about it you think about it lasting at night

2 years ago Pending

The speaker predicts that by becoming obsessed with a goal for a predetermined period, one will develop an 'unwavering disproportionate belief' in achieving it. This belief is fostered by constant thought, from morning to night, and even dreams.

I've made an active effort to remove all of that from my life and I'll go into this point a bit more in the third section the second part of this step is to have this unwavering disproportionate belief that you're going to achieve that thing and give yourself a predetermined period of time where you will become obsessed with it you'll think about it first thing in the morning you'll dream about it you think about it lasting at night

Car purchases should not exceed 25-35% of gross annual income, depending on priority and willingness to cut other expenses.

25 to 35 approach: the lower end the 25 of your free tax annual salary so your gross income that should be your target for a car purchase on the other hand if buying a car sits high up in your priorities and you're willing to trim down on other expenses to accommodate this then you may be able to push that budget up to 35 of your annual income

2 years ago Pending

Car purchases should not exceed 25-35% of gross annual income, depending on priority and willingness to cut other expenses.

25 to 35 approach: the lower end the 25 of your free tax annual salary so your gross income that should be your target for a car purchase on the other hand if buying a car sits high up in your priorities and you're willing to trim down on other expenses to accommodate this then you may be able to push that budget up to 35 of your annual income

The author presents a concept from 'The Four Hour Work Week' suggesting that a retired millionaire lifestyle can be achieved by building and automating a business to collect passive income, allowing one to live their ideal life sooner rather than waiting until retirement.

The four hour work week by Tim Ferriss so when I read this or even when I saw the title I was initially quite skeptical I mean a four hour work week sounded too good to be true but as I got deeper into the book I realized it wasn't at all about working less it was purely about working smarter he talks about how anyone can live a retired millionaire Lifestyle by building their own business automating it and then collecting their income as they go and live their best life or the life that they would usually wait for years and years and years to live when they retire

2 years ago Pending

The author presents a concept from 'The Four Hour Work Week' suggesting that a retired millionaire lifestyle can be achieved by building and automating a business to collect passive income, allowing one to live their ideal life sooner rather than waiting until retirement.

The four hour work week by Tim Ferriss so when I read this or even when I saw the title I was initially quite skeptical I mean a four hour work week sounded too good to be true but as I got deeper into the book I realized it wasn't at all about working less it was purely about working smarter he talks about how anyone can live a retired millionaire Lifestyle by building their own business automating it and then collecting their income as they go and live their best life or the life that they would usually wait for years and years and years to live when they retire

The speaker anticipates feeling disappointed in the future if they don't pursue their own path due to fear.

I would be super disappointed with myself if I wasted the rest of my days trying to live someone else's path purely because I was scared or fearful of something.

2 years ago Pending

The speaker anticipates feeling disappointed in the future if they don't pursue their own path due to fear.

I would be super disappointed with myself if I wasted the rest of my days trying to live someone else's path purely because I was scared or fearful of something.

The author's goal was to be financially free by the age of 32.

what I really meant was how I plan to be financially free by 32

2 years ago Pending

The author's goal was to be financially free by the age of 32.

what I really meant was how I plan to be financially free by 32

To escape financial limitations, individuals should develop multiple income sources, such as a second job, online business, or investments in stocks and real estate.

To break free from the rat race you need to diversify your income streams get a second job whether it's babysitting being an Uber driver starting an online business or investing in other cash generating assets like the stock market or real estate.

2 years ago Pending

To escape financial limitations, individuals should develop multiple income sources, such as a second job, online business, or investments in stocks and real estate.

To break free from the rat race you need to diversify your income streams get a second job whether it's babysitting being an Uber driver starting an online business or investing in other cash generating assets like the stock market or real estate.

A dermatologist consultation led to the use of only two recommended products, costing a total of $40, which have been effective for two years.

I paid for one one of consultation with a dermatologist to see what my skin needed and then today two years on I'm still using the only two products that were recommended which in total cost me the equivalent of forty dollars and that's it.

2 years ago Pending

A dermatologist consultation led to the use of only two recommended products, costing a total of $40, which have been effective for two years.

I paid for one one of consultation with a dermatologist to see what my skin needed and then today two years on I'm still using the only two products that were recommended which in total cost me the equivalent of forty dollars and that's it.

The UK government plans to ban SIM card farms, which are used by scammers to send mass text messages.

the government is looking to implement an outright ban on SIM card farms which allows scammers to send thousands of text messages all at once

2 years ago Pending

The UK government plans to ban SIM card farms, which are used by scammers to send mass text messages.

the government is looking to implement an outright ban on SIM card farms which allows scammers to send thousands of text messages all at once

Investing time and resources to discover and develop one's 'ikigai' (purpose in life) is considered one of the best investments possible.

I truly truly believe that putting in the time and investment to find your iy guy and nurturing and developing these four elements is one of the best investments you can make

2 years ago Pending

Investing time and resources to discover and develop one's 'ikigai' (purpose in life) is considered one of the best investments possible.

I truly truly believe that putting in the time and investment to find your iy guy and nurturing and developing these four elements is one of the best investments you can make

Naval believes that it's possible to regain wealth within 5-10 years even after losing everything, by leveraging developed skill sets.

Naval says I'd like to think if I lost all my money and you dropped me on a random street in any English-speaking country within five or ten years I'd be wealthy again because it's just a skill set I've developed that anyone can develop

2 years ago Pending

Naval believes that it's possible to regain wealth within 5-10 years even after losing everything, by leveraging developed skill sets.

Naval says I'd like to think if I lost all my money and you dropped me on a random street in any English-speaking country within five or ten years I'd be wealthy again because it's just a skill set I've developed that anyone can develop

Wealth building requires a dual approach of increasing savings percentage and generating more income.

you have to think of both sides of the equation both how you will save a larger percentage of your income but also how you will make more money

3 years ago Pending

Wealth building requires a dual approach of increasing savings percentage and generating more income.

you have to think of both sides of the equation both how you will save a larger percentage of your income but also how you will make more money

Money provides freedom and control up to a certain point, after which intrinsic sources like self-knowledge and understanding personal values become the primary drivers of fulfillment.

Money up to a certain point will buy you freedom and control and then after that that value needs to come intrinsically know who you are and what matters the most to you

2 years ago Pending

Money provides freedom and control up to a certain point, after which intrinsic sources like self-knowledge and understanding personal values become the primary drivers of fulfillment.

Money up to a certain point will buy you freedom and control and then after that that value needs to come intrinsically know who you are and what matters the most to you

A $1,000 debt at 22% interest costs $220 annually, while saving the same amount at 3% yields $30, resulting in a net loss of $190 compared to paying off the debt.

For example, if you have $1,000 of credit card debt at 22% interest, that is costing you $220 in interest over a year. Now, say instead of paying that off, you decide to save. You save that $1,000 in a high interest account, paying 3%. Then you're earning $30 in interest over the year. So, you're essentially $190 worse off.

2 years ago Pending

A $1,000 debt at 22% interest costs $220 annually, while saving the same amount at 3% yields $30, resulting in a net loss of $190 compared to paying off the debt.

For example, if you have $1,000 of credit card debt at 22% interest, that is costing you $220 in interest over a year. Now, say instead of paying that off, you decide to save. You save that $1,000 in a high interest account, paying 3%. Then you're earning $30 in interest over the year. So, you're essentially $190 worse off.

Financially successful couples engage in regular and proactive conversations about money, rather than waiting for issues to arise.

one of the things that financially successful couples do is they talk about money regularly and proactively they don't wait for a problem to rise before they decide to talk about it

2 years ago Pending

Financially successful couples engage in regular and proactive conversations about money, rather than waiting for issues to arise.

one of the things that financially successful couples do is they talk about money regularly and proactively they don't wait for a problem to rise before they decide to talk about it

The speaker observes that individuals with fewer skills and less experience can achieve success and financial gain simply by taking action on their ideas.

there are people who are less capable than you less skills less experience but they are doing something that you want to do and I'm making a lot of money from it just because they went for it

2 years ago Pending

The speaker observes that individuals with fewer skills and less experience can achieve success and financial gain simply by taking action on their ideas.

there are people who are less capable than you less skills less experience but they are doing something that you want to do and I'm making a lot of money from it just because they went for it

The presenter highly recommends using a whiteboard to write down daily and weekly non-negotiable tasks for motivation and completion.

there is something incredibly motivated eating when you see your non-negotiable task for the day and for the week written here every week and when you know you have to tick them off you get them done so I highly recommend this

2 years ago Pending

The presenter highly recommends using a whiteboard to write down daily and weekly non-negotiable tasks for motivation and completion.

there is something incredibly motivated eating when you see your non-negotiable task for the day and for the week written here every week and when you know you have to tick them off you get them done so I highly recommend this

Paying off $5,000 in credit card debt is a better use of $1,000 than investing in crypto if that debt exists.

if your friend is investing one thousand dollars in crypto but you have five thousand dollars of credit card debt you're in two very different positions and the value of that one thousand dollars is also very different so whilst it may be a good idea for them you are probably way better off using that one thousand dollars to pay off your credit card debt

2 years ago Pending

Paying off $5,000 in credit card debt is a better use of $1,000 than investing in crypto if that debt exists.

if your friend is investing one thousand dollars in crypto but you have five thousand dollars of credit card debt you're in two very different positions and the value of that one thousand dollars is also very different so whilst it may be a good idea for them you are probably way better off using that one thousand dollars to pay off your credit card debt

To build wealth that provides freedom and independence, one must find ways to earn money where output is not directly tied to input hours.

to truly build wealth in a way that gives you freedom and Independence it's important to also find ways to make money where your output is not so heavily linked to your input

2 years ago Pending

To build wealth that provides freedom and independence, one must find ways to earn money where output is not directly tied to input hours.

to truly build wealth in a way that gives you freedom and Independence it's important to also find ways to make money where your output is not so heavily linked to your input

The author predicts that their Grovemade laptop stand will still be a relevant part of their productivity setup in 30 years.

when I make an updated productivity workspace video in 30 years time don't be surprised if this makes an appearance

2 years ago Pending

The author predicts that their Grovemade laptop stand will still be a relevant part of their productivity setup in 30 years.

when I make an updated productivity workspace video in 30 years time don't be surprised if this makes an appearance

The speaker predicts it's possible to acquire a new electric car for approximately 50% of its retail price by employing specific purchasing strategies.

in this video I'm going to show you how it works and how you can get a new electric car for almost half price

2 years ago Pending

The speaker predicts it's possible to acquire a new electric car for approximately 50% of its retail price by employing specific purchasing strategies.

in this video I'm going to show you how it works and how you can get a new electric car for almost half price

The speaker suggests that individuals may need to adjust the 50/30/20 rule's percentages based on their personal financial situation.

So you may want to modify these percentages and tweak them based on your unique circumstances

2 years ago Pending

The speaker suggests that individuals may need to adjust the 50/30/20 rule's percentages based on their personal financial situation.

So you may want to modify these percentages and tweak them based on your unique circumstances

The maximum number of goals one should set per year is three.

research shows that the maximum number of goals you should set for yourself in any year is three

3 years ago Pending

The maximum number of goals one should set per year is three.

research shows that the maximum number of goals you should set for yourself in any year is three

Starting salary as a first-year analyst in investment banking in 2013 was £35,000, with a net monthly income of £2,218 after taxes and contributions.

as a first year analyst my starting salary in 2013 was 35 000 pounds which after tax and state contributions National Insurance was 2218 pounds per month

2 years ago Pending

Starting salary as a first-year analyst in investment banking in 2013 was £35,000, with a net monthly income of £2,218 after taxes and contributions.

as a first year analyst my starting salary in 2013 was 35 000 pounds which after tax and state contributions National Insurance was 2218 pounds per month

Within 5-10 years, having a social media presence will be a mandatory requirement for self-employed individuals and businesses.

Fast forward five years ten years down the line and it'll be a given that if you're self-employed or you have a business you will need some sort of social media presence

2 years ago Pending

Within 5-10 years, having a social media presence will be a mandatory requirement for self-employed individuals and businesses.

Fast forward five years ten years down the line and it'll be a given that if you're self-employed or you have a business you will need some sort of social media presence

The author planned to become a millionaire by the age of 32.

I made a video on how I will become a millionaire by 32.

2 years ago Pending

The author planned to become a millionaire by the age of 32.

I made a video on how I will become a millionaire by 32.

Paying for services on a per-use basis may be cheaper than recurring subscriptions for non-essential items.

you will find that you're probably spending more money on them than if you instead paid for that service every time you used it.

2 years ago Pending

Paying for services on a per-use basis may be cheaper than recurring subscriptions for non-essential items.

you will find that you're probably spending more money on them than if you instead paid for that service every time you used it.

Investing more upfront in a known effective product or service will be more cost-effective in the long run than trying multiple cheaper options.

I pay a bit more upfront on something if I know it means it's going to work and that's a lot more cost effective in the long run.

2 years ago Pending

Investing more upfront in a known effective product or service will be more cost-effective in the long run than trying multiple cheaper options.

I pay a bit more upfront on something if I know it means it's going to work and that's a lot more cost effective in the long run.

Purchasing products from entrepreneurial friends at full price and recommending them to others is the best way to support their businesses.

if you want to help your friends who are entrepreneurs then buy their products at full price and tell others about it

2 years ago Pending

Purchasing products from entrepreneurial friends at full price and recommending them to others is the best way to support their businesses.

if you want to help your friends who are entrepreneurs then buy their products at full price and tell others about it

Mortgage payments should not exceed 28% of gross annual income.

The general guideline is that you don't want to be spending more than 28 of your income on your mortgage payments that's 28 of your gross income income before tax.

2 years ago Pending

Mortgage payments should not exceed 28% of gross annual income.

The general guideline is that you don't want to be spending more than 28 of your income on your mortgage payments that's 28 of your gross income income before tax.

The author has significantly increased their book reading in the last two years compared to the rest of their life.

I have read more books in the past two years than I have probably in the rest of my life combined

2 years ago Pending

The author has significantly increased their book reading in the last two years compared to the rest of their life.

I have read more books in the past two years than I have probably in the rest of my life combined

To verify a caller claiming to be from your bank and asking for money transfers, hang up and call 159.

if you receive a call from somebody claiming to be a trusted organization like your bank asking you to transfer money you can hang up and call 159 to check if they are legit

2 years ago Pending

To verify a caller claiming to be from your bank and asking for money transfers, hang up and call 159.

if you receive a call from somebody claiming to be a trusted organization like your bank asking you to transfer money you can hang up and call 159 to check if they are legit

Clean My Mac extended the life of a MacBook for an additional year, suggesting it can significantly improve performance and longevity.

I came across clean my Mac 3 years ago when my last MacBook was dying on me and I was Panic Google searching for a solution that didn't cost a arm and a leg and it extended the life of that Mac for another year

2 years ago Pending

Clean My Mac extended the life of a MacBook for an additional year, suggesting it can significantly improve performance and longevity.

I came across clean my Mac 3 years ago when my last MacBook was dying on me and I was Panic Google searching for a solution that didn't cost a arm and a leg and it extended the life of that Mac for another year

Achieving financial well-being involves balancing wealth accumulation with the preservation of important aspects of life such as relationships, health, and overall well-being.

it's about finding the balance between accumulating wealth and preserving what truly matters things like our relationship health and your overall well-beings

2 years ago Pending

Achieving financial well-being involves balancing wealth accumulation with the preservation of important aspects of life such as relationships, health, and overall well-being.

it's about finding the balance between accumulating wealth and preserving what truly matters things like our relationship health and your overall well-beings

The speaker acknowledges the uncertainty of their long-term financial strategy but is documenting their journey regardless of the outcome.

maybe it'll pay off in the long run maybe it won't but that's what this channel is for to take you on my journey whatever happens

2 years ago Pending

The speaker acknowledges the uncertainty of their long-term financial strategy but is documenting their journey regardless of the outcome.

maybe it'll pay off in the long run maybe it won't but that's what this channel is for to take you on my journey whatever happens

Accurately track income and expenses to establish a financial baseline.

not knowing your income or expenses properly until you know what your starting point is

3 years ago Pending

Accurately track income and expenses to establish a financial baseline.

not knowing your income or expenses properly until you know what your starting point is

Investing $1,000 in a high-demand skill course could lead to a 20% income increase, from $50,000 to $60,000 annually.

let's say only making 50 000 a year you decide to invest one thousand in courses that teaches you a new skill that's in high demand in your industry after completing the course you get to negotiate a raise or a better paying job that increases your income to sixty thousand a year

2 years ago Pending

Investing $1,000 in a high-demand skill course could lead to a 20% income increase, from $50,000 to $60,000 annually.

let's say only making 50 000 a year you decide to invest one thousand in courses that teaches you a new skill that's in high demand in your industry after completing the course you get to negotiate a raise or a better paying job that increases your income to sixty thousand a year

The speaker suggests that purchasing a two to three-year-old pre-owned car, which has already experienced significant depreciation, could be the best option for most individuals, unless they have expertise in flipping cars for profit.

unless you really know when it comes to cars and you can flip it on for a profit then instead buying a pre-owned car that's two to three years old and has already depreciated substantially at someone else's expense might well be the best option

2 years ago Pending

The speaker suggests that purchasing a two to three-year-old pre-owned car, which has already experienced significant depreciation, could be the best option for most individuals, unless they have expertise in flipping cars for profit.

unless you really know when it comes to cars and you can flip it on for a profit then instead buying a pre-owned car that's two to three years old and has already depreciated substantially at someone else's expense might well be the best option

The speaker intends to prioritize difficult and risky endeavors in the present to achieve a state of ease and relaxation in the future.

I know that I don't want to be hustling like I am right now for the rest of my life I want to do the hard and the risky things now and then plan to be chilling someday

2 years ago Pending

The speaker intends to prioritize difficult and risky endeavors in the present to achieve a state of ease and relaxation in the future.

I know that I don't want to be hustling like I am right now for the rest of my life I want to do the hard and the risky things now and then plan to be chilling someday

The speaker suggests that many ideas fail because people are held back by fear, laziness, doubt, and uncertainty, and that taking action is more important than having the perfect idea or qualifications.

when you understand the power of this you can identify values or qualities you want to be known for and then create a personal brand based on those values people who share the same values as you will connect with you it's about the skills the experiences you have your integrity how you communicate with others I was thinking about what my personal brand is and how I would describe it in three words and I would say firstly it's a no BS approach with things I like to be straight to the point I love facts and there's no beating around the bush just what you need to know with no filler words secondly transparency I'm very open especially with my opinions and I'm not afraid to share them thirdly a cheerleader I like to take a go- getet it approach with everything I do and I like to try and push that attitude onto as many people as I can and I like to think I bring these values to my YouTube channel as well and even if it wasn't YouTube whatever I do for a living those are the values that I'd like to uphold in everything that I do so think about what values you want to live by and is probably the most important one on the list and I would go as far as saying it is more important than all the skills and the qualifications and the knowledge that you have whatever you're thinking of launching whether it's a YouTube channel a business a project a podcast or anything else it all starts somewhere with an idea and you probably have an idea right now but without action the idea is nothing multiple people will have the same idea probably at the same time but most people when they have an idea they won't action it that idea will be overshadowed by fear by laziness by doubt by uncertainty and they simply won't do it

2 years ago Pending

The speaker suggests that many ideas fail because people are held back by fear, laziness, doubt, and uncertainty, and that taking action is more important than having the perfect idea or qualifications.

when you understand the power of this you can identify values or qualities you want to be known for and then create a personal brand based on those values people who share the same values as you will connect with you it's about the skills the experiences you have your integrity how you communicate with others I was thinking about what my personal brand is and how I would describe it in three words and I would say firstly it's a no BS approach with things I like to be straight to the point I love facts and there's no beating around the bush just what you need to know with no filler words secondly transparency I'm very open especially with my opinions and I'm not afraid to share them thirdly a cheerleader I like to take a go- getet it approach with everything I do and I like to try and push that attitude onto as many people as I can and I like to think I bring these values to my YouTube channel as well and even if it wasn't YouTube whatever I do for a living those are the values that I'd like to uphold in everything that I do so think about what values you want to live by and is probably the most important one on the list and I would go as far as saying it is more important than all the skills and the qualifications and the knowledge that you have whatever you're thinking of launching whether it's a YouTube channel a business a project a podcast or anything else it all starts somewhere with an idea and you probably have an idea right now but without action the idea is nothing multiple people will have the same idea probably at the same time but most people when they have an idea they won't action it that idea will be overshadowed by fear by laziness by doubt by uncertainty and they simply won't do it

The speaker made more money from YouTube in four weeks than they did from a corporate job in four months, despite putting in fewer hours on YouTube.

fast forward a year and even though I'm putting in less hours than I would have in a corporate job I made more in the last four weeks than I have in four months working for an organization

2 years ago Pending

The speaker made more money from YouTube in four weeks than they did from a corporate job in four months, despite putting in fewer hours on YouTube.

fast forward a year and even though I'm putting in less hours than I would have in a corporate job I made more in the last four weeks than I have in four months working for an organization

The presenter considers Huel Black Edition to be their tastiest Huel product after recently trying it.

the two that I've been having them most recently are they're ready to drink and their heel black edition which I've just tried recently and it is in my opinion the tastiest product they have

2 years ago Pending

The presenter considers Huel Black Edition to be their tastiest Huel product after recently trying it.

the two that I've been having them most recently are they're ready to drink and their heel black edition which I've just tried recently and it is in my opinion the tastiest product they have

The 50/30/20 rule suggests allocating 50% of net income to fundamental needs, 30% to 'fun' expenses, and 20% to future savings/investments.

the 50320 rule it suggests that 50% of your net income should go towards the fundamental needs 30% should go towards the fund bucket and 20% should go towards the future U

2 years ago Pending

The 50/30/20 rule suggests allocating 50% of net income to fundamental needs, 30% to 'fun' expenses, and 20% to future savings/investments.

the 50320 rule it suggests that 50% of your net income should go towards the fundamental needs 30% should go towards the fund bucket and 20% should go towards the future U

A free 3-day money-making workshop will be launched in November, covering psychology-based saving tips, strategies, accounts, and wealth mindset cultivation.

I'm super excited to say that I'm launching a free 3-day money-making Workshop in November and on day two out of those three days I'll go into more detail of the stuff we've covered in this video psychology based tips saving strategies the kind of accounts you need to boost your savings how to cultivate a wealth-oriented mindset

2 years ago Pending

A free 3-day money-making workshop will be launched in November, covering psychology-based saving tips, strategies, accounts, and wealth mindset cultivation.

I'm super excited to say that I'm launching a free 3-day money-making Workshop in November and on day two out of those three days I'll go into more detail of the stuff we've covered in this video psychology based tips saving strategies the kind of accounts you need to boost your savings how to cultivate a wealth-oriented mindset

The speaker predicted a 45% salary increase to £75,000 per year after switching to a new investment bank.

I got a 45 pay rise so my annual salary was now 75 000 pounds

2 years ago Pending

The speaker predicted a 45% salary increase to £75,000 per year after switching to a new investment bank.

I got a 45 pay rise so my annual salary was now 75 000 pounds

AI will automate many tasks, increasing the value of human personality, emotional intelligence, and unique perspectives in the workforce.

we're moving into a future where AI is likely going to take over a lot of things from content creation to data analysis so bringing in your personality becomes more valuable than it's ever been AI can gather information they can present information but it cannot fully replicate emotional intelligence or specific unique perspectives

2 years ago Pending

AI will automate many tasks, increasing the value of human personality, emotional intelligence, and unique perspectives in the workforce.

we're moving into a future where AI is likely going to take over a lot of things from content creation to data analysis so bringing in your personality becomes more valuable than it's ever been AI can gather information they can present information but it cannot fully replicate emotional intelligence or specific unique perspectives

Reducing thermostat by 1 degree Celsius can result in a 10-15% saving on heating bills.

By turning your thermostat down by 1°ree, you can save between 10 to 15% of your heating bill.

2 years ago Pending

Reducing thermostat by 1 degree Celsius can result in a 10-15% saving on heating bills.

By turning your thermostat down by 1°ree, you can save between 10 to 15% of your heating bill.

It is recommended to allocate no more than 15% of your annual income towards car expenses, including payment, insurance, and maintenance.

The rule of thumb is to spend no more than 15 of your annual income towards your car.

2 years ago Pending

It is recommended to allocate no more than 15% of your annual income towards car expenses, including payment, insurance, and maintenance.

The rule of thumb is to spend no more than 15 of your annual income towards your car.

A strong motivator for taking action is the realization that inaction will lead to stagnation over a decade.

there is no better motivation than realizing if you don't take action your life will look the same 10 years from now

2 years ago Pending

A strong motivator for taking action is the realization that inaction will lead to stagnation over a decade.

there is no better motivation than realizing if you don't take action your life will look the same 10 years from now

Forwarding suspicious texts to 7726 (SPAM) allows phone providers to investigate and ban senders.

if you forward a suspicious text to 7726 which spells staff on your phone keyboard your phone provider can investigate where that text came from and look to ban the sender from sending you or anyone else more text messages

2 years ago Pending

Forwarding suspicious texts to 7726 (SPAM) allows phone providers to investigate and ban senders.

if you forward a suspicious text to 7726 which spells staff on your phone keyboard your phone provider can investigate where that text came from and look to ban the sender from sending you or anyone else more text messages

The speaker claims to be happier five years after adopting a less materialistic lifestyle, despite spending less money.

I used to live paycheck to paycheck and spend all my money on things that I didn't need and fast forward five years even though I'm spending way less, I'm way happier than I was five years ago.

2 years ago Pending

The speaker claims to be happier five years after adopting a less materialistic lifestyle, despite spending less money.

I used to live paycheck to paycheck and spend all my money on things that I didn't need and fast forward five years even though I'm spending way less, I'm way happier than I was five years ago.

Build an emergency fund equivalent to six months of living expenses.

saving enough so that you have a six months of buffer

3 years ago Pending

Build an emergency fund equivalent to six months of living expenses.

saving enough so that you have a six months of buffer

Income has diminishing returns on personal life satisfaction, meaning that beyond a certain income level, additional money does not significantly increase happiness.

studies that show how your income has diminishing returns on your personal life satisfaction and Beyond a certain point more money stops buying you further increases of Happiness

2 years ago Pending

Income has diminishing returns on personal life satisfaction, meaning that beyond a certain income level, additional money does not significantly increase happiness.

studies that show how your income has diminishing returns on your personal life satisfaction and Beyond a certain point more money stops buying you further increases of Happiness

Outsourcing video editing saved 5 to 7 hours per week.

having an editor has now saved me another 5 to 7 hours a week

2 years ago Pending

Outsourcing video editing saved 5 to 7 hours per week.

having an editor has now saved me another 5 to 7 hours a week

Drew Houston's approach to launching Dropbox, involving a minimal viable product and a demonstration video to gauge customer interest, led to a 75,000-person waiting list overnight, suggesting this 'test and iterate' strategy is highly effective for new products/businesses.

Drew Houston who is the CEO of Dropbox when he had the idea of Dropbox he spent only a few months developing a very basic but functional version of Dropbox it was a minimal viable product he just wanted to see firsthand what the reaction of others would be so he created a 4-minute video a demonstration showing how it works and then he sent it to potential customers asking them to put in their details and sign up to the waiting list if they were interested in it that's very different to someone just saying yes I'm interested saying yes is easy to do but signing up and putting your details in you asking people to put their money where their mouth is and his waiting list exploded to 75,000 people overnight

2 years ago Pending

Drew Houston's approach to launching Dropbox, involving a minimal viable product and a demonstration video to gauge customer interest, led to a 75,000-person waiting list overnight, suggesting this 'test and iterate' strategy is highly effective for new products/businesses.

Drew Houston who is the CEO of Dropbox when he had the idea of Dropbox he spent only a few months developing a very basic but functional version of Dropbox it was a minimal viable product he just wanted to see firsthand what the reaction of others would be so he created a 4-minute video a demonstration showing how it works and then he sent it to potential customers asking them to put in their details and sign up to the waiting list if they were interested in it that's very different to someone just saying yes I'm interested saying yes is easy to do but signing up and putting your details in you asking people to put their money where their mouth is and his waiting list exploded to 75,000 people overnight

The speaker believes that a personal brand will influence future job opportunities, promotions, business growth, and customer acquisition.

the reason why a personal brand and creating one is so important is because that thing without you even knowing will have an impact on what your next job is when your next promotion will be growing your business the customers you get

2 years ago Pending

The speaker believes that a personal brand will influence future job opportunities, promotions, business growth, and customer acquisition.

the reason why a personal brand and creating one is so important is because that thing without you even knowing will have an impact on what your next job is when your next promotion will be growing your business the customers you get

The speaker suggests that if one has the funds to buy a car outright, they should consider investing the remaining money after a deposit into assets like the S&P 500 to potentially yield a better return than the cost of financing.

if you have thirty thousand and you paid the four thousand five hundred deposit and then you have the left over to invest in something like the S P 500 or another cash generating asset The question here is can you make a better return on that versus the additional cost of a financing option

2 years ago Pending

The speaker suggests that if one has the funds to buy a car outright, they should consider investing the remaining money after a deposit into assets like the S&P 500 to potentially yield a better return than the cost of financing.

if you have thirty thousand and you paid the four thousand five hundred deposit and then you have the left over to invest in something like the S P 500 or another cash generating asset The question here is can you make a better return on that versus the additional cost of a financing option

The presenter has been a regular consumer of Huel for over two years.

I've been a pain customer full for over two years now and I have it pretty regularly

2 years ago Pending

The presenter has been a regular consumer of Huel for over two years.

I've been a pain customer full for over two years now and I have it pretty regularly

The speaker previously created a video detailing how they achieved six figures by the age of 24.

you may also enjoy another one that I have made on how I hit six figures by the age of 24

2 years ago Pending

The speaker previously created a video detailing how they achieved six figures by the age of 24.

you may also enjoy another one that I have made on how I hit six figures by the age of 24

The speaker predicts that an individual remaining in the same banking organization, division, and team for an additional 4-5 years would have seen a maximum salary increase of 15-20%.

had I stayed in the same organization and having spoken to people who are still in that same organization still in the same division still in the same team my salary wouldn't be looking a huge amount different today Four or five years later maybe it would have increased 15 to 20 percent maximum

2 years ago Pending

The speaker predicts that an individual remaining in the same banking organization, division, and team for an additional 4-5 years would have seen a maximum salary increase of 15-20%.

had I stayed in the same organization and having spoken to people who are still in that same organization still in the same division still in the same team my salary wouldn't be looking a huge amount different today Four or five years later maybe it would have increased 15 to 20 percent maximum

A 15-week study in India showed that households saving with a photo of their children on the envelope saved just under 12% more than those without.

The study analyzes the saving rate between two groups of Indian households and the first is asked to save as much as they can on a weekly basis and then the second group is asked to save as much as they can on a weekly basis but they're asked to put those Savings in an envelope with a photo of their children on the envelope is going towards them after 15 weeks those that had saved in the envelope with a photo on it had saved just under 12% more than the group without the meaning attached to the saving

2 years ago Pending

A 15-week study in India showed that households saving with a photo of their children on the envelope saved just under 12% more than those without.

The study analyzes the saving rate between two groups of Indian households and the first is asked to save as much as they can on a weekly basis and then the second group is asked to save as much as they can on a weekly basis but they're asked to put those Savings in an envelope with a photo of their children on the envelope is going towards them after 15 weeks those that had saved in the envelope with a photo on it had saved just under 12% more than the group without the meaning attached to the saving

Switching jobs can result in a 10-20% salary increase, significantly higher than the 3-4% typically offered by remaining with the same employer.

A more typical pay increase when you move between organizations is 10 to 20 far higher than the three to four percent you would have got if you stayed in the company.

2 years ago Pending

Switching jobs can result in a 10-20% salary increase, significantly higher than the 3-4% typically offered by remaining with the same employer.

A more typical pay increase when you move between organizations is 10 to 20 far higher than the three to four percent you would have got if you stayed in the company.

Prioritizing difficult actions now leads to better outcomes later, while immediate gratification leads to negative consequences.

most things that feel good now will feel bad later and most things that feel hard now will feel good later

2 years ago Pending

Prioritizing difficult actions now leads to better outcomes later, while immediate gratification leads to negative consequences.

most things that feel good now will feel bad later and most things that feel hard now will feel good later

Avoid using debt for purchases unless the full amount can be paid in cash.

unless I can afford to pay for that thing outright and cash I shouldn't be buying it with any form of debt

3 years ago Pending

Avoid using debt for purchases unless the full amount can be paid in cash.

unless I can afford to pay for that thing outright and cash I shouldn't be buying it with any form of debt

To maximize the probability of financial success, it is more effective to follow strategies employed by many successful individuals (Y) rather than imitating a single exceptionally successful person (X).

if one person did X to get wealthy but many people did why to get wealthy doing why will have a bigger probability of you gaining financial success

2 years ago Pending

To maximize the probability of financial success, it is more effective to follow strategies employed by many successful individuals (Y) rather than imitating a single exceptionally successful person (X).

if one person did X to get wealthy but many people did why to get wealthy doing why will have a bigger probability of you gaining financial success

Credit cards offer valuable protection, including purchase protection for stolen, lost, destroyed, or misrepresented items, and extended warranties that can double the original warranty period.

if you buy something with a credit card and that thing is later stolen it's lost or it's destroyed or it wasn't as advertised you'll get that money back from your credit card provider and it's not just purchase protection that your credit cards help with you also get extended warranties in most cases if you buy something with a credit card they'll often extend that warranty or even double it

2 years ago Pending

Credit cards offer valuable protection, including purchase protection for stolen, lost, destroyed, or misrepresented items, and extended warranties that can double the original warranty period.

if you buy something with a credit card and that thing is later stolen it's lost or it's destroyed or it wasn't as advertised you'll get that money back from your credit card provider and it's not just purchase protection that your credit cards help with you also get extended warranties in most cases if you buy something with a credit card they'll often extend that warranty or even double it

Hiring someone to handle tasks that are not the primary strength of the individual significantly improved efficiency and output.

I made my first hire and that was the biggest leverage decision I could have made at the time it completely changed the game for me Now I can focus on what I can do what I'm good at which is the script the filming the recording and then everything else that someone else can do probably and in half the time I Outsource it

2 years ago Pending

Hiring someone to handle tasks that are not the primary strength of the individual significantly improved efficiency and output.

I made my first hire and that was the biggest leverage decision I could have made at the time it completely changed the game for me Now I can focus on what I can do what I'm good at which is the script the filming the recording and then everything else that someone else can do probably and in half the time I Outsource it

The speaker uses Notion AI to proofread their weekly newsletters, suggesting the AI's spelling and grammar checking capabilities are a valuable feature.

I also have the upgraded AI feature which I pay for and that's a really good addition my favorite feature on that is the ability for the system to check your spelling and grammar so when it comes to my weekly newsletters that go out I write them up in notion and then just as I'm finished I I ask notion AI to do a proof read to check all my spelling and grammar and then once that's done it's ready to go out

2 years ago Pending

The speaker uses Notion AI to proofread their weekly newsletters, suggesting the AI's spelling and grammar checking capabilities are a valuable feature.

I also have the upgraded AI feature which I pay for and that's a really good addition my favorite feature on that is the ability for the system to check your spelling and grammar so when it comes to my weekly newsletters that go out I write them up in notion and then just as I'm finished I I ask notion AI to do a proof read to check all my spelling and grammar and then once that's done it's ready to go out

Car dealerships promote PCP deals because they are the most profitable for them, as it encourages repeat business and trade-ins.

the car dealership tries to sell you the PCP because it is the most lucrative for them they make the most money from it because it encourages you to stay with them and when the contract ends to upgrade your car and part exchange it so they keep making money from you

2 years ago Pending

Car dealerships promote PCP deals because they are the most profitable for them, as it encourages repeat business and trade-ins.

the car dealership tries to sell you the PCP because it is the most lucrative for them they make the most money from it because it encourages you to stay with them and when the contract ends to upgrade your car and part exchange it so they keep making money from you

The presenter is likely to upgrade to the Logitech Master 3 Mouse soon due to positive reviews.

if you have the extra money to spend have a look at the Logitech Master Three Mouse instead everyone Raves about it and I'm most likely going to upgrade to that soon

2 years ago Pending

The presenter is likely to upgrade to the Logitech Master 3 Mouse soon due to positive reviews.

if you have the extra money to spend have a look at the Logitech Master Three Mouse instead everyone Raves about it and I'm most likely going to upgrade to that soon

The speaker predicted a 7% salary increase to £37,500 per year as a second-year analyst.

as a second year unless I got a seven percent pay rise so my salary went up to 37 500 for the year

2 years ago Pending

The speaker predicted a 7% salary increase to £37,500 per year as a second-year analyst.

as a second year unless I got a seven percent pay rise so my salary went up to 37 500 for the year

Allocate a minimum of 10% of income to savings immediately upon receiving payment.

Take 10 minimum and put that into your savings account the minute you get paid

3 years ago Pending

Allocate a minimum of 10% of income to savings immediately upon receiving payment.

Take 10 minimum and put that into your savings account the minute you get paid

An S&P 500 Index Fund purchased in the 1980s experienced approximately 13 years of combined drawdowns of 20% or more and 8 months of 50% drawdowns before achieving an 11,000% gain.

let's say you bought an S P 500 Index Fund in the 1980s yes one can argue that it went up 11 000 since then but you would still have needed to face about 13 years combined where your Investment Portfolio was down 20 from its high and eight months when it was down 50 it's only after paying that emotional price and sticking it out through those downfalls that you would have then benefited from the compounded results

2 years ago Pending

An S&P 500 Index Fund purchased in the 1980s experienced approximately 13 years of combined drawdowns of 20% or more and 8 months of 50% drawdowns before achieving an 11,000% gain.

let's say you bought an S P 500 Index Fund in the 1980s yes one can argue that it went up 11 000 since then but you would still have needed to face about 13 years combined where your Investment Portfolio was down 20 from its high and eight months when it was down 50 it's only after paying that emotional price and sticking it out through those downfalls that you would have then benefited from the compounded results

The cost of a coffee maker was recouped within 2 months by saving money on buying coffee out.

it didn't take me very long to make my money back on this I broke even in about 2 months when compared to the cost of buying coffee out

2 years ago Pending

The cost of a coffee maker was recouped within 2 months by saving money on buying coffee out.

it didn't take me very long to make my money back on this I broke even in about 2 months when compared to the cost of buying coffee out

Investments promising guaranteed returns or significantly higher than the average stock market return (8-10% over 20 years) are likely not legitimate.

one of the major well Flags you can look for in personal finances when someone is selling something to you as a guarantee or with 100 certainty that is going to happen so for example you are guaranteed to get 20 return on this investment or buy this stock now and you will double your money nothing in personal finances 100 guaranteed and there is always going to be an element of risk involved as a benchmark the average stock market return over the past 20 years has been eight to ten percent and if someone's offering you something significantly higher than that it's probably not legitimate

2 years ago Pending

Investments promising guaranteed returns or significantly higher than the average stock market return (8-10% over 20 years) are likely not legitimate.

one of the major well Flags you can look for in personal finances when someone is selling something to you as a guarantee or with 100 certainty that is going to happen so for example you are guaranteed to get 20 return on this investment or buy this stock now and you will double your money nothing in personal finances 100 guaranteed and there is always going to be an element of risk involved as a benchmark the average stock market return over the past 20 years has been eight to ten percent and if someone's offering you something significantly higher than that it's probably not legitimate

The presenter prefers the Logitech MX Keys keyboard over Apple's keyboard due to its typing sound profile.

I tried the Apple keyboard it's not for me I want my keyboard to make a bit of a sound when I'm typing away but I don't want it to be too loud so this is perfect

2 years ago Pending

The presenter prefers the Logitech MX Keys keyboard over Apple's keyboard due to its typing sound profile.

I tried the Apple keyboard it's not for me I want my keyboard to make a bit of a sound when I'm typing away but I don't want it to be too loud so this is perfect

The speaker predicts that the current surge in secondhand car prices will not continue for the next three years, and this 'bubble' is expected to burst before then.

I don't think this is an accurate representation of what we can get for the car in three years time because secondhand car prices are going through the roof at the moment and I don't believe this will continue for the next three years I think this bubble will burst before then

2 years ago Pending

The speaker predicts that the current surge in secondhand car prices will not continue for the next three years, and this 'bubble' is expected to burst before then.

I don't think this is an accurate representation of what we can get for the car in three years time because secondhand car prices are going through the roof at the moment and I don't believe this will continue for the next three years I think this bubble will burst before then

The speaker predicted a 20% salary increase to £90,000 per year upon promotion to first-year vice president.

this time it was 20 so my salary went up to 90 000 pounds for the year

2 years ago Pending

The speaker predicted a 20% salary increase to £90,000 per year upon promotion to first-year vice president.

this time it was 20 so my salary went up to 90 000 pounds for the year

The Grovemade laptop stand is expected to still be part of the presenter's productivity setup in 30 years.

so when I make an updated productivity workspace video in 30 years time don't be surprised if this makes an appearance

2 years ago Pending

The Grovemade laptop stand is expected to still be part of the presenter's productivity setup in 30 years.

so when I make an updated productivity workspace video in 30 years time don't be surprised if this makes an appearance

The speaker predicted a 7% salary increase to £96,000 per year as a second-year vice president.

it was seven percent so my base salary was now 96 000 pounds on an annualized basis

2 years ago Pending

The speaker predicted a 7% salary increase to £96,000 per year as a second-year vice president.

it was seven percent so my base salary was now 96 000 pounds on an annualized basis

The speaker predicted a 30% salary increase to £52,000 per year after successfully negotiating as a first-year associate.

my pay was adjusted and I got a 30 pay rise so my salary went up to 52 000 pounds a year

2 years ago Pending

The speaker predicted a 30% salary increase to £52,000 per year after successfully negotiating as a first-year associate.

my pay was adjusted and I got a 30 pay rise so my salary went up to 52 000 pounds a year

The speaker predicted a 6% salary increase to £40,000 per year upon moving to transaction banking.

my salary went up six percent to 40 000 pounds per year

2 years ago Pending

The speaker predicted a 6% salary increase to £40,000 per year upon moving to transaction banking.

my salary went up six percent to 40 000 pounds per year

The speaker predicts a general hierarchy of pay within banking, with front office roles earning the most, followed by back office (especially technology), and then middle office roles earning the least.

those working in the front office earn the most as they are Revenue generating meaning they make the bank money Then the back office particularly technology is probably the next best paid and then it's middle office

2 years ago Pending

The speaker predicts a general hierarchy of pay within banking, with front office roles earning the most, followed by back office (especially technology), and then middle office roles earning the least.

those working in the front office earn the most as they are Revenue generating meaning they make the bank money Then the back office particularly technology is probably the next best paid and then it's middle office

The speaker predicts that an individual's salary is determined by their negotiation skills, not necessarily by their actual worth or contributions.

you don't get paid your worth you get paid your ability to negotiate

2 years ago Pending

The speaker predicts that an individual's salary is determined by their negotiation skills, not necessarily by their actual worth or contributions.

you don't get paid your worth you get paid your ability to negotiate

The speaker states that the largest salary increases were achieved by changing employers, rather than through internal promotions or raises within the same company.

The biggest jumps in salary came from when I switched jobs

2 years ago Pending

The speaker states that the largest salary increases were achieved by changing employers, rather than through internal promotions or raises within the same company.

The biggest jumps in salary came from when I switched jobs

The speaker predicts that staying in the same banking organization and division for another four to five years would have resulted in a maximum salary increase of 15-20%.

four or five years later maybe it would have increased 15 to 20 percent maximum

2 years ago Pending

The speaker predicts that staying in the same banking organization and division for another four to five years would have resulted in a maximum salary increase of 15-20%.

four or five years later maybe it would have increased 15 to 20 percent maximum

The speaker predicted a starting salary of £35,000 per year for a first-year analyst in the middle office.

my starting salary in 2013 was 35 000 pounds

2 years ago Pending

The speaker predicted a starting salary of £35,000 per year for a first-year analyst in the middle office.

my starting salary in 2013 was 35 000 pounds

The speaker felt comfortable taking the risk to leave their job when their side hustles covered their fixed costs with an additional £200-£300 profit per month.

And it was only when my side hustles had matched my fixed costs plus an additional 200 or 300 pounds more a month was I comfortable in taking that risk.

2 years ago Pending

The speaker felt comfortable taking the risk to leave their job when their side hustles covered their fixed costs with an additional £200-£300 profit per month.

And it was only when my side hustles had matched my fixed costs plus an additional 200 or 300 pounds more a month was I comfortable in taking that risk.

The speaker took an 84% pay cut upon resigning from investment banking, but had a 9-month emergency fund to mitigate the risk.

It was an 84% pay cut, but I was also in a very fortunate position that I had enough of an emergency fund to last me 9 months in case something didn't work out.

2 years ago Pending

The speaker took an 84% pay cut upon resigning from investment banking, but had a 9-month emergency fund to mitigate the risk.

It was an 84% pay cut, but I was also in a very fortunate position that I had enough of an emergency fund to last me 9 months in case something didn't work out.

The speaker's current income is significantly higher than their previous income from investment banking.

And I will be in a position where I am now, which is what I make is astronomically higher than what I used to make in banking.

2 years ago Pending

The speaker's current income is significantly higher than their previous income from investment banking.

And I will be in a position where I am now, which is what I make is astronomically higher than what I used to make in banking.

The speaker used their investment banking salary to build an emergency fund, invest in stocks and property, and fund side hustle experiments.

I stayed in banking for longer than I wanted to because my salary was paying for me to build up an emergency fund. It was paying for all of my investments, my stocks and shares, property. It was paying for all the experiments I was doing behind the scenes on my side hustles.

2 years ago Pending

The speaker used their investment banking salary to build an emergency fund, invest in stocks and property, and fund side hustle experiments.

I stayed in banking for longer than I wanted to because my salary was paying for me to build up an emergency fund. It was paying for all of my investments, my stocks and shares, property. It was paying for all the experiments I was doing behind the scenes on my side hustles.

Producing value at a large scale directly correlates with earning money at a large scale, indicating multiple avenues for income generation.

if you can produce value at a large scale it means earning money at a large scale so you want to avoid thinking that there's only one route to increase your income

2 years ago Pending

Producing value at a large scale directly correlates with earning money at a large scale, indicating multiple avenues for income generation.

if you can produce value at a large scale it means earning money at a large scale so you want to avoid thinking that there's only one route to increase your income

The wealthy commonly leverage knowledge of tax laws and legal loopholes to their advantage.

in the world of the rich knowing the intricacies of tax laws and capitalizing on legal loopholes is common practice

2 years ago Pending

The wealthy commonly leverage knowledge of tax laws and legal loopholes to their advantage.

in the world of the rich knowing the intricacies of tax laws and capitalizing on legal loopholes is common practice

Many legal strategies to reduce tax liabilities are unknown or unpursued by the general public.

there are so many ways to legally reduce your tax bill that people just don't know about or want to educate themselves on

2 years ago Pending

Many legal strategies to reduce tax liabilities are unknown or unpursued by the general public.

there are so many ways to legally reduce your tax bill that people just don't know about or want to educate themselves on

Purchasing luxury items is not inherently problematic; the issue arises when such purchases are motivated by a desire for social validation rather than genuine financial well-being.

buying expensive things or luxury items isn't bad the problem is when these purchases are driven by the desire to appear wealthy rather than reflecting actual Financial Health

2 years ago Pending

Purchasing luxury items is not inherently problematic; the issue arises when such purchases are motivated by a desire for social validation rather than genuine financial well-being.

buying expensive things or luxury items isn't bad the problem is when these purchases are driven by the desire to appear wealthy rather than reflecting actual Financial Health

Energy-efficient cars may be obtainable for approximately half price due to tax savings.

how to get energy efficient cars for nearly half the price for the tax savings

2 years ago Pending

Energy-efficient cars may be obtainable for approximately half price due to tax savings.

how to get energy efficient cars for nearly half the price for the tax savings

Multi-millionaires leverage mortgages, a low-cost debt, to acquire homes, freeing up their capital for higher-return assets, thus converting debt into an asset.

a mortgage is amongst some of the cheapest debt you can get and so these multi-millionaires use borrowed money to buy their homes which means they can use their money on other things and on other assets that have higher returns essentially turning debt into an asset

2 years ago Pending

Multi-millionaires leverage mortgages, a low-cost debt, to acquire homes, freeing up their capital for higher-return assets, thus converting debt into an asset.

a mortgage is amongst some of the cheapest debt you can get and so these multi-millionaires use borrowed money to buy their homes which means they can use their money on other things and on other assets that have higher returns essentially turning debt into an asset

The critical factor in debt is whether it's used to generate more money or to deplete existing funds.

the key difference is how the money is used is it being used to create more money or is that debt being used to drain your money

2 years ago Pending

The critical factor in debt is whether it's used to generate more money or to deplete existing funds.

the key difference is how the money is used is it being used to create more money or is that debt being used to drain your money

Offshore accounts will be discussed in future videos as a possibility for everyday citizens, not just large corporations.

in future videos I can go over how to set up offshore accounts which again is available to Everyday citizens like you and I not just the Facebook and linkedins of the world

2 years ago Pending

Offshore accounts will be discussed in future videos as a possibility for everyday citizens, not just large corporations.

in future videos I can go over how to set up offshore accounts which again is available to Everyday citizens like you and I not just the Facebook and linkedins of the world

Potential changes to tax-free savings rules were being considered by Jeremy Hunt in the UK.

in the UK you may have seen the recent headlines that Jeremy Hunt is looking to introduce some new rules around this tax free saving

2 years ago Pending

Potential changes to tax-free savings rules were being considered by Jeremy Hunt in the UK.

in the UK you may have seen the recent headlines that Jeremy Hunt is looking to introduce some new rules around this tax free saving

The wealthy distinguish between 'debt' (a burden) and 'leverage' (using borrowed money to generate more wealth), representing fundamentally different financial mindsets.

for many of us that is seen as a burden but for the rich the same concept of debt is referred to as leverage and this distinction is not just semantic it represents two entirely different ways of thinking about and using borrowed money

2 years ago Pending

The wealthy distinguish between 'debt' (a burden) and 'leverage' (using borrowed money to generate more wealth), representing fundamentally different financial mindsets.

for many of us that is seen as a burden but for the rich the same concept of debt is referred to as leverage and this distinction is not just semantic it represents two entirely different ways of thinking about and using borrowed money

Operating a side hustle or business through a company can lead to lower overall tax rates compared to individual income tax, especially after deducting business expenses and utilizing lower corporate tax rates.

as an employee working for a corporation you earn you pay taxes and then you spend whatever's left... say I earn the same amount through YouTube as a side hustle I earn 60 000 I'll then deduct my expenses... and then you pay tax on the remaining amount and on top of that the company or the corporation tax rate isn't the same as the income tax brackets

2 years ago Pending

Operating a side hustle or business through a company can lead to lower overall tax rates compared to individual income tax, especially after deducting business expenses and utilizing lower corporate tax rates.

as an employee working for a corporation you earn you pay taxes and then you spend whatever's left... say I earn the same amount through YouTube as a side hustle I earn 60 000 I'll then deduct my expenses... and then you pay tax on the remaining amount and on top of that the company or the corporation tax rate isn't the same as the income tax brackets

Consistent investing can lead to financial security within five years, contrasting with continuous financial struggle.

be consistent doing so can be the difference between achieving Financial Security in the next five years or continuously playing catch-up

2 years ago Pending

Consistent investing can lead to financial security within five years, contrasting with continuous financial struggle.

be consistent doing so can be the difference between achieving Financial Security in the next five years or continuously playing catch-up

The wealthy invest in assets like stocks and real estate during economic downturns, betting on future market recovery.

whilst there are so many people worrying and holding tightly onto their savings during this time the rich are quickly deploying their money into Investments they're buying stocks they're picking up real estate they're essentially betting on a brighter future

2 years ago Pending

The wealthy invest in assets like stocks and real estate during economic downturns, betting on future market recovery.

whilst there are so many people worrying and holding tightly onto their savings during this time the rich are quickly deploying their money into Investments they're buying stocks they're picking up real estate they're essentially betting on a brighter future

Contributing to a pension reduces taxable income by deferring taxes on the contributed amount.

you're able to put a portion of your paycheck away into your pension port and then you'll get taxed on whatever is left so the end result will be you pay income tax on a smaller amount

2 years ago Pending

Contributing to a pension reduces taxable income by deferring taxes on the contributed amount.

you're able to put a portion of your paycheck away into your pension port and then you'll get taxed on whatever is left so the end result will be you pay income tax on a smaller amount

To increase income without working harder, focus on strategic work on the business rather than getting bogged down in day-to-day tasks, and delegate tasks to individuals with relevant expertise.

spend your time working on the business and then get the support of others who are more skilled than you are in different areas to work in the business

2 years ago Pending

To increase income without working harder, focus on strategic work on the business rather than getting bogged down in day-to-day tasks, and delegate tasks to individuals with relevant expertise.

spend your time working on the business and then get the support of others who are more skilled than you are in different areas to work in the business

The speaker would not prioritize paying off a mortgage early, instead choosing to invest the money due to typically low mortgage interest rates and to maximize time in the investment market for compounding and long-term growth.

personally in my situation I would not pay off my mortgage right away instead I would choose to use that money to invest because mortgage rates are typically some of the cheapest debt you can get and they have long-term commitments that have already been priced in to be paid over the full term so instead if you wait to pay off your mortgage before you decide to start investing you're really limiting your time in the investment Market that can take away from some of the benefits of compounding and long-term growth

2 years ago Pending

The speaker would not prioritize paying off a mortgage early, instead choosing to invest the money due to typically low mortgage interest rates and to maximize time in the investment market for compounding and long-term growth.

personally in my situation I would not pay off my mortgage right away instead I would choose to use that money to invest because mortgage rates are typically some of the cheapest debt you can get and they have long-term commitments that have already been priced in to be paid over the full term so instead if you wait to pay off your mortgage before you decide to start investing you're really limiting your time in the investment Market that can take away from some of the benefits of compounding and long-term growth

Roth IRAs in the US shield investment profits and gains from taxes.

in the US it's a Roth IRA and this is essentially an investment account that Shields your profits and gains from the tax man

2 years ago Pending

Roth IRAs in the US shield investment profits and gains from taxes.

in the US it's a Roth IRA and this is essentially an investment account that Shields your profits and gains from the tax man

Economic downturns, while appearing risky, are significant opportunities for wealth building, as the wealthy invest during these times.

during your lifetime you're likely going to see three to five major economic downturns and these periods may seem scary and you probably think of it as a time to cut back and really save but these periods also often present the most significant opportunities to build wealth

2 years ago Pending

Economic downturns, while appearing risky, are significant opportunities for wealth building, as the wealthy invest during these times.

during your lifetime you're likely going to see three to five major economic downturns and these periods may seem scary and you probably think of it as a time to cut back and really save but these periods also often present the most significant opportunities to build wealth

An emergency fund should cover 3-6 months of living expenses for employed individuals and 9-12 months for self-employed individuals.

this is when you want to have enough money available so that if anything happens you can bail yourself out and not rely on credit card debt to get you out of your situation so you want to work out what is the absolute minimum you need to survive on so your fixed expenses your variable expenses your total expenses for the month and then multi apply that number by three to six months if you're employed or nine to twelve months if you're self-employed this number is your emergency fund

2 years ago Pending

An emergency fund should cover 3-6 months of living expenses for employed individuals and 9-12 months for self-employed individuals.

this is when you want to have enough money available so that if anything happens you can bail yourself out and not rely on credit card debt to get you out of your situation so you want to work out what is the absolute minimum you need to survive on so your fixed expenses your variable expenses your total expenses for the month and then multi apply that number by three to six months if you're employed or nine to twelve months if you're self-employed this number is your emergency fund

The choice of work and collaborators is deemed more critical for success than the sheer amount of effort expended.

what you choose to work on and who you choose to work with are far more important than how hard you work

2 years ago Pending

The choice of work and collaborators is deemed more critical for success than the sheer amount of effort expended.

what you choose to work on and who you choose to work with are far more important than how hard you work

Employers offer a 100% return on investment for retirement fund contributions up to the point of receiving the full employer match. This free money cannot be claimed retrospectively.

this is called different things in different countries in the UK it's the pension contribution and the US you would have heard it as the 401K and what this means is for every pound or dollar that you contribute your employer will also match that contribution put that towards your pension so say you're earning a hundred thousand and you contribute 4 000 of that towards your workplace attention your employer matches everything you put in so you're basically making 100 return on your investment straight away remember this is different from the full amount that you can contribute all you care about here is contributing whatever you need to get the full match because otherwise you're just leaving free money on the table

2 years ago Pending

Employers offer a 100% return on investment for retirement fund contributions up to the point of receiving the full employer match. This free money cannot be claimed retrospectively.

this is called different things in different countries in the UK it's the pension contribution and the US you would have heard it as the 401K and what this means is for every pound or dollar that you contribute your employer will also match that contribution put that towards your pension so say you're earning a hundred thousand and you contribute 4 000 of that towards your workplace attention your employer matches everything you put in so you're basically making 100 return on your investment straight away remember this is different from the full amount that you can contribute all you care about here is contributing whatever you need to get the full match because otherwise you're just leaving free money on the table

Wealth is built through leveraging assets, wise investing, and creating passive income systems, rather than solely exchanging time for money.

wealth creation is less about exchanging time for money and more about leveraging assets investing wisely and creating systems that generate income for them even when they're not working

2 years ago Pending

Wealth is built through leveraging assets, wise investing, and creating passive income systems, rather than solely exchanging time for money.

wealth creation is less about exchanging time for money and more about leveraging assets investing wisely and creating systems that generate income for them even when they're not working

A personal trainer transitioned from one-to-one sessions to a scalable app-based model, removing the time constraint and enabling unlimited income potential through client sign-ups and referrals.

she started off making free content whilst at the same time building an app that tells people what to eat what workouts to do and then when the app launched the majority of our clients signed up to the app friends were recommending other friends who were recommending other friends and there was no cap to how many people could sign up and therefore how much money she can make through it

2 years ago Pending

A personal trainer transitioned from one-to-one sessions to a scalable app-based model, removing the time constraint and enabling unlimited income potential through client sign-ups and referrals.

she started off making free content whilst at the same time building an app that tells people what to eat what workouts to do and then when the app launched the majority of our clients signed up to the app friends were recommending other friends who were recommending other friends and there was no cap to how many people could sign up and therefore how much money she can make through it

High-interest debt is defined as any debt with an interest rate above 8%, as this is the approximate historical inflation-adjusted return of the stock market.

now I would Define High interest debt as anything above eight percent interest some people say six percent others say 10 the reason I chose eight percent is because historically when investing in the stock market you can expect to earn about 10 annually and when you adjust this for inflation it's around eight percent so to me anything above what you could earn in the stock market is going to be high interest debt

2 years ago Pending

High-interest debt is defined as any debt with an interest rate above 8%, as this is the approximate historical inflation-adjusted return of the stock market.

now I would Define High interest debt as anything above eight percent interest some people say six percent others say 10 the reason I chose eight percent is because historically when investing in the stock market you can expect to earn about 10 annually and when you adjust this for inflation it's around eight percent so to me anything above what you could earn in the stock market is going to be high interest debt

Formal education lacks crucial financial literacy, leaving most individuals unprepared for the financial world, leading to a paycheck-to-paycheck lifestyle.

formal education does not include any depth of financial literacy training no trace of budgeting of taxes of Investments of the mechanics of starting and running a business and none of that so the majority of us don't know how to go into the financial world as anything other than paycheck to paycheck workers

2 years ago Pending

Formal education lacks crucial financial literacy, leaving most individuals unprepared for the financial world, leading to a paycheck-to-paycheck lifestyle.

formal education does not include any depth of financial literacy training no trace of budgeting of taxes of Investments of the mechanics of starting and running a business and none of that so the majority of us don't know how to go into the financial world as anything other than paycheck to paycheck workers

The speaker extensively researched real estate deals, analyzing returns and offers, but hesitated to make an offer, indicating a potential missed opportunity due to over-analysis.

what would the returns be what are the properties selling for finding out who has put in an offer what price what returns are they making and I just didn't for whatever reason put the offer in

2 years ago Pending

The speaker extensively researched real estate deals, analyzing returns and offers, but hesitated to make an offer, indicating a potential missed opportunity due to over-analysis.

what would the returns be what are the properties selling for finding out who has put in an offer what price what returns are they making and I just didn't for whatever reason put the offer in

A warning against mistaking busywork for actual accomplishment, emphasizing that tasks need to be well-organized and executed to yield results, rather than just being active.

don't mistake activity for achievement to produce results tasks must be well organized and properly executed otherwise it's no different from children playing around in the playground lots of activity no achievement

2 years ago Pending

A warning against mistaking busywork for actual accomplishment, emphasizing that tasks need to be well-organized and executed to yield results, rather than just being active.

don't mistake activity for achievement to produce results tasks must be well organized and properly executed otherwise it's no different from children playing around in the playground lots of activity no achievement

Steve Jobs identified that 80% of Apple's profits came from a minority of products and cut the rest, focusing the brand on the iPad, iPhone, and Mac.

80% of the profits were coming from and he cut the remaining products out and for a long time Apple's brand was based on the iPad the iPhone and the Mac

2 years ago Pending

Steve Jobs identified that 80% of Apple's profits came from a minority of products and cut the rest, focusing the brand on the iPad, iPhone, and Mac.

80% of the profits were coming from and he cut the remaining products out and for a long time Apple's brand was based on the iPad the iPhone and the Mac

Moving to a different organization with the same skills and experience resulted in a 30% pay increase, suggesting that changing environments can significantly boost income potential.

I got paid 30 percent more this is what I've learned in life if you're not getting what you want from the room that you're in then leave and knock on another door

2 years ago Pending

Moving to a different organization with the same skills and experience resulted in a 30% pay increase, suggesting that changing environments can significantly boost income potential.

I got paid 30 percent more this is what I've learned in life if you're not getting what you want from the room that you're in then leave and knock on another door

A personal trainer generates monthly income by offering 4,000 subscribers 30 workouts per month for $18 each.

she offers subscribers 30 workouts per month for 18 per month and she has about 4 000 people that are subscribed and she's making monthly income from that

2 years ago Pending

A personal trainer generates monthly income by offering 4,000 subscribers 30 workouts per month for $18 each.

she offers subscribers 30 workouts per month for 18 per month and she has about 4 000 people that are subscribed and she's making monthly income from that

The author earned $19,000 in the last week from a combination of affiliate marketing and YouTube AdSense.

for me through that and YouTube AdSense combined in the last week I made nineteen thousand dollars

2 years ago Pending

The author earned $19,000 in the last week from a combination of affiliate marketing and YouTube AdSense.

for me through that and YouTube AdSense combined in the last week I made nineteen thousand dollars

The national average annual income for an affiliate marketer is $55,000.

according to an article online the national average amount an affiliate makes is 55 000 per year

2 years ago Pending

The national average annual income for an affiliate marketer is $55,000.

according to an article online the national average amount an affiliate makes is 55 000 per year

An individual made $2.3 million from selling an ebook containing design tips.

according to an article online he made a 2.3 million dollars from it

2 years ago Pending

An individual made $2.3 million from selling an ebook containing design tips.

according to an article online he made a 2.3 million dollars from it

The true passive income from dividend investing comes from capital appreciation and gains.

the real passive income will be through the appreciation and the capital gain side of it

2 years ago Pending

The true passive income from dividend investing comes from capital appreciation and gains.

the real passive income will be through the appreciation and the capital gain side of it

An individual generated $1 million in sales in their first year creating online courses and now makes over six figures daily from them.

in her first year from doing this full time she made one million dollars in sales from air and now on a good day she makes over six figures a day from her courses

2 years ago Pending

An individual generated $1 million in sales in their first year creating online courses and now makes over six figures daily from them.

in her first year from doing this full time she made one million dollars in sales from air and now on a good day she makes over six figures a day from her courses

Ali made $405 million from YouTube last year, spending only a few hours per week on it.

he last year made 405 million from YouTube and he spends a couple of hours a week on it

2 years ago Pending

Ali made $405 million from YouTube last year, spending only a few hours per week on it.

he last year made 405 million from YouTube and he spends a couple of hours a week on it

The author makes hundreds of dollars per day passively from older YouTube videos through AdSense.

I make hundreds of the day from YouTube AdSense and most of that is passive because it's coming through my older videos

2 years ago Pending

The author makes hundreds of dollars per day passively from older YouTube videos through AdSense.

I make hundreds of the day from YouTube AdSense and most of that is passive because it's coming through my older videos

Segro REIT offers a 3.4% return on investment.

Segro which is a reach that invests in property around Europe is offering a 3.4 return

2 years ago Pending

Segro REIT offers a 3.4% return on investment.

Segro which is a reach that invests in property around Europe is offering a 3.4 return

The speaker advises avoiding credit card and consumer debt unless it's used as leverage with a guaranteed return that exceeds the cost of the debt. Otherwise, paying it off is recommended.

people have different views on debt and my personal view is to stay away from it unless you're using that debt as leverage and you know that the returns will outweigh the cost of it if you're not doing that then paying off credit cards and Consumer Debt especially is a wise idea

2 years ago Pending

The speaker advises avoiding credit card and consumer debt unless it's used as leverage with a guaranteed return that exceeds the cost of the debt. Otherwise, paying it off is recommended.

people have different views on debt and my personal view is to stay away from it unless you're using that debt as leverage and you know that the returns will outweigh the cost of it if you're not doing that then paying off credit cards and Consumer Debt especially is a wise idea

To ensure financial sustainability in retirement or during time off, it is crucial to invest savings rather than just accumulating them in a bank account, allowing the money to continue working for the individual.

if you keep earning and saving at all and leaving in a bank account then by the time you retire your savings will start getting exhausted pretty quickly however if you choose to start investing that money then that money will keep working for you it will keep working for you even when you're not even if you do decide to take some time out or retire you can sustain your lifestyle without worrying about running out of cash

2 years ago Pending

To ensure financial sustainability in retirement or during time off, it is crucial to invest savings rather than just accumulating them in a bank account, allowing the money to continue working for the individual.

if you keep earning and saving at all and leaving in a bank account then by the time you retire your savings will start getting exhausted pretty quickly however if you choose to start investing that money then that money will keep working for you it will keep working for you even when you're not even if you do decide to take some time out or retire you can sustain your lifestyle without worrying about running out of cash

The speaker emphasizes the importance of having multiple income streams (currently 5-6) to mitigate risk, as a single income source can be precarious, even a corporate job, due to external decisions.

because if you only have one stream you're in a risky position right now I have five or six ways that I'm making money both online and offline and there have been times where one of them has taken a hit but I've been okay because I have another one coming through for example one of my income streams is through properties but that stream has taken a hit because of what's going on in The Wider market and the interest rates but it hasn't impacted me because I have other streams coming through and making more money so what I'm trying to say is don't stop at one no matter how secure you think that stream is even working for a corporation we are taught that a job is secure and the non-risky path but all it takes is one person in the company somewhere along the ladder to make a decision and that's it your whole income and your whole livelihood changes

2 years ago Pending

The speaker emphasizes the importance of having multiple income streams (currently 5-6) to mitigate risk, as a single income source can be precarious, even a corporate job, due to external decisions.

because if you only have one stream you're in a risky position right now I have five or six ways that I'm making money both online and offline and there have been times where one of them has taken a hit but I've been okay because I have another one coming through for example one of my income streams is through properties but that stream has taken a hit because of what's going on in The Wider market and the interest rates but it hasn't impacted me because I have other streams coming through and making more money so what I'm trying to say is don't stop at one no matter how secure you think that stream is even working for a corporation we are taught that a job is secure and the non-risky path but all it takes is one person in the company somewhere along the ladder to make a decision and that's it your whole income and your whole livelihood changes

The speaker maintains an emergency fund equivalent to six months of living expenses in a high-interest savings account for financial peace of mind. The general recommendation is 3-6 months, or 6-12 months for self-employed individuals.

I personally keep six months of my living expenses in my emergency fund at any one time and I never ever touch her I leave in a separate account a high interest savings account so I'm at least earning interest whilst it's sitting there and I keep an account which I don't even see because I don't want to remind myself that that money is readily available it's just there to give me some mental peace that if anything happens I always have that to fall back on if I really needed it so I have six months of a buffer the recommended amount is three to six months and if you're self-employed it's six to twelve months

2 years ago Pending

The speaker maintains an emergency fund equivalent to six months of living expenses in a high-interest savings account for financial peace of mind. The general recommendation is 3-6 months, or 6-12 months for self-employed individuals.

I personally keep six months of my living expenses in my emergency fund at any one time and I never ever touch her I leave in a separate account a high interest savings account so I'm at least earning interest whilst it's sitting there and I keep an account which I don't even see because I don't want to remind myself that that money is readily available it's just there to give me some mental peace that if anything happens I always have that to fall back on if I really needed it so I have six months of a buffer the recommended amount is three to six months and if you're self-employed it's six to twelve months

The speaker believes that focusing on increasing active income early on is more crucial than solely pursuing passive income, as it provides the capital necessary to grow other income streams more effectively.

I actually believe that active income is more important when you're just starting out and the reason for that is because active income at the start is your primary wealth building tool and the money you make from it is essentially going to dictate how quickly you can grow your other income streams for example if I'm able to invest fifty dollars and my portfolio returns 20 then I would have made ten dollars but if I'm investing two hundred dollars my portfolio only needs to go 10 and I still would have made more I would have made twenty dollars so putting more emphasis on earnings potential and increasing your active income your primary source will have a multiplier effect because you can also use that money towards other streams in a way that makes the other streams more passive as well

2 years ago Pending

The speaker believes that focusing on increasing active income early on is more crucial than solely pursuing passive income, as it provides the capital necessary to grow other income streams more effectively.

I actually believe that active income is more important when you're just starting out and the reason for that is because active income at the start is your primary wealth building tool and the money you make from it is essentially going to dictate how quickly you can grow your other income streams for example if I'm able to invest fifty dollars and my portfolio returns 20 then I would have made ten dollars but if I'm investing two hundred dollars my portfolio only needs to go 10 and I still would have made more I would have made twenty dollars so putting more emphasis on earnings potential and increasing your active income your primary source will have a multiplier effect because you can also use that money towards other streams in a way that makes the other streams more passive as well

4 years ago

Everyone possesses a unique talent or skill that appears effortless and playful to them, though it may seem difficult to others.

for everyone there is something that they can do that other people say it looks like so much work and it looks like it's so hard but actually it's effortless and it's playful

3 years ago Pending

Everyone possesses a unique talent or skill that appears effortless and playful to them, though it may seem difficult to others.

for everyone there is something that they can do that other people say it looks like so much work and it looks like it's so hard but actually it's effortless and it's playful

Even in saturated markets, one can succeed by adding their own authenticity and a unique twist to existing ideas.

don't take yourself out just because you think a market is saturated find a way to do it by adding your own authenticity and unique pairing and unique twist to it

3 years ago Pending

Even in saturated markets, one can succeed by adding their own authenticity and a unique twist to existing ideas.

don't take yourself out just because you think a market is saturated find a way to do it by adding your own authenticity and unique pairing and unique twist to it

Applying the 80/20 rule, identify the 20% of actions, values, and thoughts that yield 80% of life's outcomes and focus energy there.

figure out what 20 of your actions 20 of your values 20 of your thoughts produce 80 of the outcomes in your life and then Focus your energy on those

3 years ago Pending

Applying the 80/20 rule, identify the 20% of actions, values, and thoughts that yield 80% of life's outcomes and focus energy there.

figure out what 20 of your actions 20 of your values 20 of your thoughts produce 80 of the outcomes in your life and then Focus your energy on those

It's important to choose constructive values and standards to decide what to care about and reject what is not important.

we need to choose constructive values and standards and use them to decide what things we care about and then reject the Wrath

3 years ago Pending

It's important to choose constructive values and standards to decide what to care about and reject what is not important.

we need to choose constructive values and standards and use them to decide what things we care about and then reject the Wrath

The creator has declined two significant sponsorship offers, each paying over four figures (in pounds, based on context).

two of the biggest ones that I've turned down were paying over four figures

3 years ago Pending

The creator has declined two significant sponsorship offers, each paying over four figures (in pounds, based on context).

two of the biggest ones that I've turned down were paying over four figures

Self-respect often sets the benchmark for how others will respect an individual.

the amount of respect you have for yourself is typically not always but it is typically The Benchmark of how someone else will respect you

3 years ago Pending

Self-respect often sets the benchmark for how others will respect an individual.

the amount of respect you have for yourself is typically not always but it is typically The Benchmark of how someone else will respect you

Sponsorship requests for the creator began when their channel reached approximately 20,000 subscribers.

it was around the 20 000 Subs where I started receiving sponsorship requests

3 years ago Pending

Sponsorship requests for the creator began when their channel reached approximately 20,000 subscribers.

it was around the 20 000 Subs where I started receiving sponsorship requests

There is a direct correlation between self-respect and the respect received from others.

the amount of respect that you have for yourself and the amount of respect you get from other people

3 years ago Pending

There is a direct correlation between self-respect and the respect received from others.

the amount of respect that you have for yourself and the amount of respect you get from other people

The creator earned £90 from Amazon affiliate links and £35 from other affiliate links.

and through that I've made 90 pounds on Amazon and 35 pounds on or through other links

3 years ago Pending

The creator earned £90 from Amazon affiliate links and £35 from other affiliate links.

and through that I've made 90 pounds on Amazon and 35 pounds on or through other links

True progress comes from combining consistency with continuous improvement, not just consistent effort alone.

consistency alone isn't everything and it's not all that you need it's consistency combined with improvements that makes a difference

3 years ago Pending

True progress comes from combining consistency with continuous improvement, not just consistent effort alone.

consistency alone isn't everything and it's not all that you need it's consistency combined with improvements that makes a difference

Following peak earnings, the creator's daily AdSense revenue is fluctuating between $130 and $150.

so since then it's been floating around the 130 150 a day and it really fluctuates depending on how many views I get any single day

3 years ago Pending

Following peak earnings, the creator's daily AdSense revenue is fluctuating between $130 and $150.

so since then it's been floating around the 130 150 a day and it really fluctuates depending on how many views I get any single day

Consistency and going 'all in' are believed to be key drivers for the channel's unexpected growth.

this channel has grown more than I had ever expected and I do believe it's because I was so consistent and I went all in

3 years ago Pending

Consistency and going 'all in' are believed to be key drivers for the channel's unexpected growth.

this channel has grown more than I had ever expected and I do believe it's because I was so consistent and I went all in

A video on buying vs. renting, despite fewer views (67,000), earned a similar amount to a higher-viewed video, indicating RPM variation.

but this video where I talk about the pros and cons of buying versus renting that video got far fewer views it got 67 000 views in the same period but it made me more or less the same amount

3 years ago Pending

A video on buying vs. renting, despite fewer views (67,000), earned a similar amount to a higher-viewed video, indicating RPM variation.

but this video where I talk about the pros and cons of buying versus renting that video got far fewer views it got 67 000 views in the same period but it made me more or less the same amount

The negative consequences of inaction on goals will eventually outweigh the risks of taking action, even without a complete plan. Starting the process allows for feedback, learning, and adjustments along the way.

at some point you become acutely aware that the result of not taking action will be far more painful than whatever may happen if you take action even if you don't have it all planned out by virtue of just getting started you're naturally going to be taking on feedback along the way just get going you can always change the path if you need to based on the feedback you're getting you'll learn and improve just by doing

3 years ago Pending

The negative consequences of inaction on goals will eventually outweigh the risks of taking action, even without a complete plan. Starting the process allows for feedback, learning, and adjustments along the way.

at some point you become acutely aware that the result of not taking action will be far more painful than whatever may happen if you take action even if you don't have it all planned out by virtue of just getting started you're naturally going to be taking on feedback along the way just get going you can always change the path if you need to based on the feedback you're getting you'll learn and improve just by doing

For ambitious goals, set a ridiculously short timeframe and create a sense of urgency to improve focus.

move fast no matter how ambitious it is I'll give myself a ridiculously short time frame a fraction of the time that I think it's possible to get that thing done and then create a sense of urgency

3 years ago Pending

For ambitious goals, set a ridiculously short timeframe and create a sense of urgency to improve focus.

move fast no matter how ambitious it is I'll give myself a ridiculously short time frame a fraction of the time that I think it's possible to get that thing done and then create a sense of urgency

A video titled 'Day in the Life as a Banker' with 100,000 views in 28 days earned $487.

or my day in the life as a banker got 100 000 views in the last 28 days and those of you made a total of 487 dollars for me

3 years ago Pending

A video titled 'Day in the Life as a Banker' with 100,000 views in 28 days earned $487.

or my day in the life as a banker got 100 000 views in the last 28 days and those of you made a total of 487 dollars for me

The speaker is prioritizing investing in assets for future cash flow to afford luxury items, rather than buying a car that is not currently a necessity.

for me -given having a car isn’t a necessity for me right now, I’m using that money now to invest in assets instead to build a lifestyle that i want, and then eventually have these assets and the cash flow coming in from those assets pay for all the nice luxury things later on.

3 years ago Pending

The speaker is prioritizing investing in assets for future cash flow to afford luxury items, rather than buying a car that is not currently a necessity.

for me -given having a car isn’t a necessity for me right now, I’m using that money now to invest in assets instead to build a lifestyle that i want, and then eventually have these assets and the cash flow coming in from those assets pay for all the nice luxury things later on.

A prerequisite for investing is to establish an emergency fund covering at least 3 to 6 months of living expenses.

rule number one before you start investing is to always have an emergency fund in place this should be at least three to six months of your basic living expenses just kept to the side before you start investing that money

3 years ago Pending

A prerequisite for investing is to establish an emergency fund covering at least 3 to 6 months of living expenses.

rule number one before you start investing is to always have an emergency fund in place this should be at least three to six months of your basic living expenses just kept to the side before you start investing that money

Setting outrageously tight deadlines can lead to increased productivity and reduced procrastination.

if you give yourself an outrageously tight timeline or an outrageously tight deadline you'll end up doing a lot more than you expected and you won't procrastinate

3 years ago Pending

Setting outrageously tight deadlines can lead to increased productivity and reduced procrastination.

if you give yourself an outrageously tight timeline or an outrageously tight deadline you'll end up doing a lot more than you expected and you won't procrastinate

Having a clear vision of where one wants to be in five and ten years is crucial for long-term financial planning and decision-making.

I'm very clear with the direction I'm going and where I want to be in my life in five years time and in 10 years time

3 years ago Pending

Having a clear vision of where one wants to be in five and ten years is crucial for long-term financial planning and decision-making.

I'm very clear with the direction I'm going and where I want to be in my life in five years time and in 10 years time

The creator's highest-earning video generated $838 in AdSense revenue.

my highest paying video is this video where I talk about how I'll become a millionaire by 32 very ironic I know but that video made me 838 dollars

3 years ago Pending

The creator's highest-earning video generated $838 in AdSense revenue.

my highest paying video is this video where I talk about how I'll become a millionaire by 32 very ironic I know but that video made me 838 dollars

The doubling of one penny daily for 30 days results in over $5.3 million, illustrating the power of compounding growth over time.

choose to receive one penny at the beginning of next month but that penny doubles every single day for the next 30 days... the second kid who chose to go with the penny that doubled every single day ended up with over $5.3mn.

3 years ago Pending

The doubling of one penny daily for 30 days results in over $5.3 million, illustrating the power of compounding growth over time.

choose to receive one penny at the beginning of next month but that penny doubles every single day for the next 30 days... the second kid who chose to go with the penny that doubled every single day ended up with over $5.3mn.

For long-term stock market investing, the most effective strategy is to maintain a consistent approach rather than attempting to time the market or react to daily news and market cycles.

instead of trying to time the market the best route for long-term investing in the stock market is to just stay the course I've always being wrapped up in the day-to-day news and the cycles and just let your initial investment strategies play out

3 years ago Pending

For long-term stock market investing, the most effective strategy is to maintain a consistent approach rather than attempting to time the market or react to daily news and market cycles.

instead of trying to time the market the best route for long-term investing in the stock market is to just stay the course I've always being wrapped up in the day-to-day news and the cycles and just let your initial investment strategies play out

Individuals should determine an hourly rate for themselves and outsource tasks that can be completed for less than that rate to free up time for business ventures and self-education.

set an hourly rate for yourself be it 20 dollars an hour 50 an hour and anything you can Outsource at less than that hourly rate then do it you'll find that doing this will free up so much time for you that you could spend working on your Ventures or your own business ideas or educating yourself

3 years ago Pending

Individuals should determine an hourly rate for themselves and outsource tasks that can be completed for less than that rate to free up time for business ventures and self-education.

set an hourly rate for yourself be it 20 dollars an hour 50 an hour and anything you can Outsource at less than that hourly rate then do it you'll find that doing this will free up so much time for you that you could spend working on your Ventures or your own business ideas or educating yourself

The creator earned a total of $4,048 from YouTube AdSense in the month of November (based on context).

and in total for the month I made four thousand and forty eight dollars

3 years ago Pending

The creator earned a total of $4,048 from YouTube AdSense in the month of November (based on context).

and in total for the month I made four thousand and forty eight dollars

By consulting a tax advisor for $200, the speaker avoided paying $40,000 in taxes related to moving a property under a company structure, implying that expert advice can lead to significant cost savings.

I purchased a property under a company structure and I needed to move it to another company and I realised to do that I would need to pay $30k in different forms of taxes... I then spoke to my friend told me why don’t you just speak to a tax advisor... I forked out what killed me at the time, $200 for a 1 hour chat with a tax adviser who is a specialist in this field and gave me a completely legal tax efficient strategy which saved me from paying that $40,000

3 years ago Pending

By consulting a tax advisor for $200, the speaker avoided paying $40,000 in taxes related to moving a property under a company structure, implying that expert advice can lead to significant cost savings.

I purchased a property under a company structure and I needed to move it to another company and I realised to do that I would need to pay $30k in different forms of taxes... I then spoke to my friend told me why don’t you just speak to a tax advisor... I forked out what killed me at the time, $200 for a 1 hour chat with a tax adviser who is a specialist in this field and gave me a completely legal tax efficient strategy which saved me from paying that $40,000

A well-managed company with strong financials and credit should see its stock price continue to rise, negating the need to wait for a price drop to invest.

if you find a great firm a solid credit strong financials run by accident managers there is no reason why the stock will not continue to rise so there is no point kind of waiting for it to fall before going in it may just be that will continue going up up

3 years ago Pending

A well-managed company with strong financials and credit should see its stock price continue to rise, negating the need to wait for a price drop to invest.

if you find a great firm a solid credit strong financials run by accident managers there is no reason why the stock will not continue to rise so there is no point kind of waiting for it to fall before going in it may just be that will continue going up up

Living below one's means to save for an investment property is a viable strategy for achieving financial goals.

that's when I started Living below my means and saved up enough to buy my first investment property which then led to me hitting that goal

3 years ago Pending

Living below one's means to save for an investment property is a viable strategy for achieving financial goals.

that's when I started Living below my means and saved up enough to buy my first investment property which then led to me hitting that goal

The creator's best single day of earnings from YouTube AdSense was $296 on December 8th.

on December the 8th that was my best day last month and I made 296 dollars in one day

3 years ago Pending

The creator's best single day of earnings from YouTube AdSense was $296 on December 8th.

on December the 8th that was my best day last month and I made 296 dollars in one day

The speaker plans to utilize others' strengths as a strategy to reach a million dollars, highlighting a past instance where this approach saved them £30,000 in one hour.

I will be doing to get to that million dollar mark is utilising other people strengths - and this is the one that saved me £30,000 within an hour.

3 years ago Pending

The speaker plans to utilize others' strengths as a strategy to reach a million dollars, highlighting a past instance where this approach saved them £30,000 in one hour.

I will be doing to get to that million dollar mark is utilising other people strengths - and this is the one that saved me £30,000 within an hour.

Historical market crashes (1929, 1973, dot-com, 2008, 2020) have all shown a rebound with a long-term upward trend, suggesting a future recovery from downturns.

every single time the market has bounced back and there has been a long-term upward Trend so it's worth looking back at what happened and taking that into account the next time you lose money in quotation marks because you don't actually lose money until you pull that money out

3 years ago Pending

Historical market crashes (1929, 1973, dot-com, 2008, 2020) have all shown a rebound with a long-term upward trend, suggesting a future recovery from downturns.

every single time the market has bounced back and there has been a long-term upward Trend so it's worth looking back at what happened and taking that into account the next time you lose money in quotation marks because you don't actually lose money until you pull that money out

The current education system does not adequately prepare individuals for building wealth, as it focuses on employment and saving with low interest rates, rather than comprehensive financial literacy. Individuals must proactively educate themselves on topics like mortgages, taxes, and corporate structures to achieve financial success.

education at school is tailored towards getting a good job getting promoted earning a high salary and then we're told to save part of our pay the pay that the tax man doesn't rate for us they tell us to put that money into savings accounts with interest rates that don't even keep up with inflation and they tell us to invest it in Isis and 401ks which are managed by someone else who is making money doing it that's where the problem is building true wealth under this Paradigm is mathematically impossible in fact the schooling system is designed to keep most people poor or at least working hard their entire lives just to keep their head above water and we've been so indoctrinated in this ideology that most people just think this is the way it is and that there is no alternative there is nothing else to do they don't teach us financial literacy in school they don't teach us about mortgages about taxes about corporate structures managing your finances none of that so it's up to us to close the financial literacy Gap and educate ourselves on these topics

3 years ago Pending

The current education system does not adequately prepare individuals for building wealth, as it focuses on employment and saving with low interest rates, rather than comprehensive financial literacy. Individuals must proactively educate themselves on topics like mortgages, taxes, and corporate structures to achieve financial success.

education at school is tailored towards getting a good job getting promoted earning a high salary and then we're told to save part of our pay the pay that the tax man doesn't rate for us they tell us to put that money into savings accounts with interest rates that don't even keep up with inflation and they tell us to invest it in Isis and 401ks which are managed by someone else who is making money doing it that's where the problem is building true wealth under this Paradigm is mathematically impossible in fact the schooling system is designed to keep most people poor or at least working hard their entire lives just to keep their head above water and we've been so indoctrinated in this ideology that most people just think this is the way it is and that there is no alternative there is nothing else to do they don't teach us financial literacy in school they don't teach us about mortgages about taxes about corporate structures managing your finances none of that so it's up to us to close the financial literacy Gap and educate ourselves on these topics

Achieving balance involves focusing on the most important 'plates' (aspects of life) at specific times, accepting that other areas may temporarily slow down.

it's about focusing on the right one at the right time and understanding that it may be that one other plate has to slow down whilst you keep the other one spinning

3 years ago Pending

Achieving balance involves focusing on the most important 'plates' (aspects of life) at specific times, accepting that other areas may temporarily slow down.

it's about focusing on the right one at the right time and understanding that it may be that one other plate has to slow down whilst you keep the other one spinning

The speaker advises students to enjoy their university years and not rush into making money, as they have their entire lives to pursue financial goals.

I want to say to you and anyone else who is at University or at college to enjoy those days they don't come back you have the rest of your life to make money

3 years ago Pending

The speaker advises students to enjoy their university years and not rush into making money, as they have their entire lives to pursue financial goals.

I want to say to you and anyone else who is at University or at college to enjoy those days they don't come back you have the rest of your life to make money

The speaker emphasizes that having people know your work and investments is more crucial than just knowing influential people, as this builds reputation in both professional and personal spheres.

it's not who you know is who knows you who knows what you're working on who knows what you're investing in the projects you're involved in a lot of this helps create your reputation both in corporate world and outside

3 years ago Pending

The speaker emphasizes that having people know your work and investments is more crucial than just knowing influential people, as this builds reputation in both professional and personal spheres.

it's not who you know is who knows you who knows what you're working on who knows what you're investing in the projects you're involved in a lot of this helps create your reputation both in corporate world and outside

Many people miss opportunities by prioritizing immediate payment over gaining valuable experience, which can lead to greater long-term earnings.

The mistake I see a lot of people make is that they want to get experience in something but they also want to get paid for it straight away if it's an amazing opportunity then that experience alone can multiply the earnings in the long run

3 years ago Pending

Many people miss opportunities by prioritizing immediate payment over gaining valuable experience, which can lead to greater long-term earnings.

The mistake I see a lot of people make is that they want to get experience in something but they also want to get paid for it straight away if it's an amazing opportunity then that experience alone can multiply the earnings in the long run

The speaker considers investing in themselves, through purchasing online courses, a significant part of their investment strategy.

I personally also invest a lot in myself I know that sounds a bit cliche but I've bought a fair amount of online courses

3 years ago Pending

The speaker considers investing in themselves, through purchasing online courses, a significant part of their investment strategy.

I personally also invest a lot in myself I know that sounds a bit cliche but I've bought a fair amount of online courses

The majority of the speaker's investments are in property, which provides lump-sum returns and is viewed as less of a long-term strategy compared to stocks.

out of the three asset class I invest largely or a bulk of that in property I've been doing that for years and I find that the returns are lump sum and it's not as much of a long-term view as the stock market

3 years ago Pending

The majority of the speaker's investments are in property, which provides lump-sum returns and is viewed as less of a long-term strategy compared to stocks.

out of the three asset class I invest largely or a bulk of that in property I've been doing that for years and I find that the returns are lump sum and it's not as much of a long-term view as the stock market

The speaker's investment portfolio is diversified across property, index funds, stocks, and gold.

My Investment Portfolio is made up of property of index funds a few stocks and some gold

3 years ago Pending

The speaker's investment portfolio is diversified across property, index funds, stocks, and gold.

My Investment Portfolio is made up of property of index funds a few stocks and some gold

The speaker advocates for intense focus on a single task for a defined period (3-6 months) before re-evaluating its continuation.

Focus really focus on something and dedicate everything to it for a specific period of time so I'll give myself three months or six months or a predetermined time to do something and then once that time's up I'll step back and I'll reassess

3 years ago Pending

The speaker advocates for intense focus on a single task for a defined period (3-6 months) before re-evaluating its continuation.

Focus really focus on something and dedicate everything to it for a specific period of time so I'll give myself three months or six months or a predetermined time to do something and then once that time's up I'll step back and I'll reassess

The speaker's primary challenge in starting a YouTube channel has been overcoming their inherent anxiety and private nature.

what the biggest hurdle has been for me is to kind of get over my anxiety I've always been a very private person which is ridiculous when you think about it like why would you then go and start a YouTube channel

3 years ago Pending

The speaker's primary challenge in starting a YouTube channel has been overcoming their inherent anxiety and private nature.

what the biggest hurdle has been for me is to kind of get over my anxiety I've always been a very private person which is ridiculous when you think about it like why would you then go and start a YouTube channel

The speaker advises creators not to underestimate their unique value and stories, as these are what resonate with audiences, even without being an expert.

my takeaway from this is don't underestimate the value you can bring to the table you don't need to know everything and no one who starts a channel does know everything but everyone does have a story that someone else can resonate with

3 years ago Pending

The speaker advises creators not to underestimate their unique value and stories, as these are what resonate with audiences, even without being an expert.

my takeaway from this is don't underestimate the value you can bring to the table you don't need to know everything and no one who starts a channel does know everything but everyone does have a story that someone else can resonate with

The viral video was a 'day in the life' video where the speaker shared their actual job, a departure from the previous focus on property content.

the video that got picked up is the last one I expected to get picked up it was my day in the life video which is where I really leaned into what I do before that I never really said on this channel what my job is and I just spoke about property stuff

3 years ago Pending

The viral video was a 'day in the life' video where the speaker shared their actual job, a departure from the previous focus on property content.

the video that got picked up is the last one I expected to get picked up it was my day in the life video which is where I really leaned into what I do before that I never really said on this channel what my job is and I just spoke about property stuff

The channel experienced rapid growth, reaching 40,000 subscribers in a month, primarily due to a video being picked up by the YouTube algorithm.

for context I got 40 000 subscribers in a month I'll make a video on this more specifically for whoever's interested in growing your channel but as a quick answer of that it was one of my videos that were picked up by the YouTube algorithm

3 years ago Pending

The channel experienced rapid growth, reaching 40,000 subscribers in a month, primarily due to a video being picked up by the YouTube algorithm.

for context I got 40 000 subscribers in a month I'll make a video on this more specifically for whoever's interested in growing your channel but as a quick answer of that it was one of my videos that were picked up by the YouTube algorithm

The speaker decided to publicly share their knowledge and experiences in business and finance, aiming to inspire others and build a community.

I just made this channel I know a fair bit about business about Finance I've done Finance for years and years and years and I'm still learning so much so I thought wanna and I just public everything I'm doing publicly and at the same time hopefully other people can get some inspiration and resonate with bits and join me on my journey

3 years ago Pending

The speaker decided to publicly share their knowledge and experiences in business and finance, aiming to inspire others and build a community.

I just made this channel I know a fair bit about business about Finance I've done Finance for years and years and years and I'm still learning so much so I thought wanna and I just public everything I'm doing publicly and at the same time hopefully other people can get some inspiration and resonate with bits and join me on my journey

The speaker's father was always self-employed, and family discussions often revolved around money, business ideas, and entrepreneurship, shaping the speaker's own drive.

my father has never worked for an organization or for a corporation they are the OG Hustlers and I was very fortunate in that sense growing up we had conversations around the dinner table or talking about money talking about business ideas talking about entrepreneurship

3 years ago Pending

The speaker's father was always self-employed, and family discussions often revolved around money, business ideas, and entrepreneurship, shaping the speaker's own drive.

my father has never worked for an organization or for a corporation they are the OG Hustlers and I was very fortunate in that sense growing up we had conversations around the dinner table or talking about money talking about business ideas talking about entrepreneurship

A casual conversation with a pizza shop owner led to a commercial property tenant through the speaker's openness about their side hustle in property.

I went to grab a takeaway pizza the other day and ended up speaking to the owner for ages and told them what I do and the properties that I'm working on funny enough he was looking for a new commercial property to rent out and I had a tenant that was applicating and just through that conversation and opening up and telling what I do he's now one of the tenants for a commercial property

3 years ago Pending

A casual conversation with a pizza shop owner led to a commercial property tenant through the speaker's openness about their side hustle in property.

I went to grab a takeaway pizza the other day and ended up speaking to the owner for ages and told them what I do and the properties that I'm working on funny enough he was looking for a new commercial property to rent out and I had a tenant that was applicating and just through that conversation and opening up and telling what I do he's now one of the tenants for a commercial property

The speaker believes that being open about side hustles can lead to unforeseen opportunities.

I am pretty open about most of my side hustles because you don't really know where or what opportunities it can bring when you openly speak about some of the stuff that you're doing.

3 years ago Pending

The speaker believes that being open about side hustles can lead to unforeseen opportunities.

I am pretty open about most of my side hustles because you don't really know where or what opportunities it can bring when you openly speak about some of the stuff that you're doing.

The speaker moved from a middle office to a front office role within banking, specializing in the debt side, and has since worked for multiple organizations.

I moved to the front office within the bank and have moved to a few different organizations since then but I've always been on the debt side.

3 years ago Pending

The speaker moved from a middle office to a front office role within banking, specializing in the debt side, and has since worked for multiple organizations.

I moved to the front office within the bank and have moved to a few different organizations since then but I've always been on the debt side.

The speaker consistently invests in index funds monthly as a strategy for long-term wealth generation.

I also do lock away a specific amount every month into index funds and that's kind of my long-term wealth generator

3 years ago Pending

The speaker consistently invests in index funds monthly as a strategy for long-term wealth generation.

I also do lock away a specific amount every month into index funds and that's kind of my long-term wealth generator

The UK is predicted to experience its longest recession to date.

we're going through a cost of living crisis and expecting to see the longest recession in the UK to date

3 years ago Pending

The UK is predicted to experience its longest recession to date.

we're going through a cost of living crisis and expecting to see the longest recession in the UK to date

A new car is predicted to depreciate by 60% within its first three years.

average brand new car will lose a further 60 by its third year

3 years ago Pending

A new car is predicted to depreciate by 60% within its first three years.

average brand new car will lose a further 60 by its third year

The book 'Lean In' offers advice for climbing the corporate ladder, encouraging ambition, risk-taking, and seeking leadership roles, applicable to both women and men supporting partners.

This book provides a lot of advice on how to climb up that corporate ladder and encourages women to take more risks be more ambitious in the professional goals gain confidence demand more and generally gun for those leadership positions.

3 years ago Pending

The book 'Lean In' offers advice for climbing the corporate ladder, encouraging ambition, risk-taking, and seeking leadership roles, applicable to both women and men supporting partners.

This book provides a lot of advice on how to climb up that corporate ladder and encourages women to take more risks be more ambitious in the professional goals gain confidence demand more and generally gun for those leadership positions.

A key distinction in wealth building is that the wealthy acquire assets that generate income, while the poor and middle class acquire liabilities.

the wealthy the buy assets whereas the poor and the middle class by liabilities liabilities cost money to buy and they cost money to maintain whereas on the other hand every dollar you invest into an asset becomes an employee that is working for you when you're not working.

3 years ago Pending

A key distinction in wealth building is that the wealthy acquire assets that generate income, while the poor and middle class acquire liabilities.

the wealthy the buy assets whereas the poor and the middle class by liabilities liabilities cost money to buy and they cost money to maintain whereas on the other hand every dollar you invest into an asset becomes an employee that is working for you when you're not working.

The 'new rich' lifestyle is characterized by automated passive income streams, enabling flexibility in work location and hours. The book provides practical steps to create these streams.

he explains how the new Rich generally have Auto automated streams of passive income that allow them to work as much as they want or as little as they want from anywhere they want to work from and in this book he includes a lot of practical steps for creating passive income streams that allow you to live the new Rich lifestyle.

3 years ago Pending

The 'new rich' lifestyle is characterized by automated passive income streams, enabling flexibility in work location and hours. The book provides practical steps to create these streams.

he explains how the new Rich generally have Auto automated streams of passive income that allow them to work as much as they want or as little as they want from anywhere they want to work from and in this book he includes a lot of practical steps for creating passive income streams that allow you to live the new Rich lifestyle.

The traditional retirement age of 65-70 is questioned, advocating for spreading retirement years throughout life via 'mini-retirements'.

Why should we be working until we're 65 70 when we can't even enjoy that money will have the ability to enjoy that money as much but instead take those 20 30 years after retirement and spread them throughout our life instead he calls us mini retirements.

3 years ago Pending

The traditional retirement age of 65-70 is questioned, advocating for spreading retirement years throughout life via 'mini-retirements'.

Why should we be working until we're 65 70 when we can't even enjoy that money will have the ability to enjoy that money as much but instead take those 20 30 years after retirement and spread them throughout our life instead he calls us mini retirements.

The core principle of 'I Will Teach You To Be' is that managing the money one keeps and how it's utilized is more impactful than the amount earned.

I will teach you to be the whole premise of this book is that it's not about the money you make it's about the money you keep and what you do with that money that will really make a difference.

3 years ago Pending

The core principle of 'I Will Teach You To Be' is that managing the money one keeps and how it's utilized is more impactful than the amount earned.

I will teach you to be the whole premise of this book is that it's not about the money you make it's about the money you keep and what you do with that money that will really make a difference.

There's a tendency to over-optimize for work and saving, even after achieving financial security. The focus should shift to quality of life and experiences once financial stability is reached.

most of us stay in this ant mode for way too long optimizing our life is for work and for saving money even once we are financially secure either because it feels safe or it just feels like it's the right thing to do but actually maybe the moment we are financially secure or in a place where we feel like we're able to give ourselves some flexibility and are on the right path to create a life that we want we should start focusing on our quality of life because money isn't an end in itself

3 years ago Pending

There's a tendency to over-optimize for work and saving, even after achieving financial security. The focus should shift to quality of life and experiences once financial stability is reached.

most of us stay in this ant mode for way too long optimizing our life is for work and for saving money even once we are financially secure either because it feels safe or it just feels like it's the right thing to do but actually maybe the moment we are financially secure or in a place where we feel like we're able to give ourselves some flexibility and are on the right path to create a life that we want we should start focusing on our quality of life because money isn't an end in itself

For those on low incomes, investing in personal education and financial literacy to increase earning potential is a more effective strategy than investing in the stock market.

if you are on a low income salary and you're kind of struggling to make ends meet then just know that investing in the stock market will only get you so far and it is a long-term game if you only have a certain amount of money that you're able to save you want to be investing in yourself and educating yourself around financial literacy and to increase your earnings growth potential first at the very first point this is a better investment than investing in the stock market in my opinion

3 years ago Pending

For those on low incomes, investing in personal education and financial literacy to increase earning potential is a more effective strategy than investing in the stock market.

if you are on a low income salary and you're kind of struggling to make ends meet then just know that investing in the stock market will only get you so far and it is a long-term game if you only have a certain amount of money that you're able to save you want to be investing in yourself and educating yourself around financial literacy and to increase your earnings growth potential first at the very first point this is a better investment than investing in the stock market in my opinion

For individuals new to investing, it's beneficial to open an investment account and invest small amounts ($10-$20) to gain basic knowledge and be ready to invest more substantial sums when income increases.

if you want to get into investing and you don't know where to start then I've got another video on that as well but my advice to anyone who hasn't yet started investing it's still worth putting kind of ten dollars or Twenty Dollars into an investment account because then at least you have the account you've verified it you understand the basic knowledge of investing so that when you do eventually start making money you don't waste any more time and you start investing straight away

3 years ago Pending

For individuals new to investing, it's beneficial to open an investment account and invest small amounts ($10-$20) to gain basic knowledge and be ready to invest more substantial sums when income increases.

if you want to get into investing and you don't know where to start then I've got another video on that as well but my advice to anyone who hasn't yet started investing it's still worth putting kind of ten dollars or Twenty Dollars into an investment account because then at least you have the account you've verified it you understand the basic knowledge of investing so that when you do eventually start making money you don't waste any more time and you start investing straight away

Starting to invest earlier, even with small amounts, is crucial due to the exponential growth potential of compounding.

I started making money when I was 19. uh with my first job in retail but it wasn't until I was 24 that I actually started investing and I wish I started earlier obviously because of the power of compounding which I've spoken about on this channel is the fact that the earlier you start investing your money the quicker it's going to just grow exponentially for you

3 years ago Pending

Starting to invest earlier, even with small amounts, is crucial due to the exponential growth potential of compounding.

I started making money when I was 19. uh with my first job in retail but it wasn't until I was 24 that I actually started investing and I wish I started earlier obviously because of the power of compounding which I've spoken about on this channel is the fact that the earlier you start investing your money the quicker it's going to just grow exponentially for you

Saving money solely to retire early without investing it is unsustainable due to inflation; the focus should be on investing saved money to generate steady income for long-term lifestyle sustainment.

the issue with spending less purely for the reason to say that not do anything else and retire early is that that money you save is going to run out pretty quickly especially because of inflation whereas what you really want to do is spend less and below your means now so that you can invest that money because this will keep your cash and income at a steady place and sustain your lifestyle going forward when you do eventually choose to retire

3 years ago Pending

Saving money solely to retire early without investing it is unsustainable due to inflation; the focus should be on investing saved money to generate steady income for long-term lifestyle sustainment.

the issue with spending less purely for the reason to say that not do anything else and retire early is that that money you save is going to run out pretty quickly especially because of inflation whereas what you really want to do is spend less and below your means now so that you can invest that money because this will keep your cash and income at a steady place and sustain your lifestyle going forward when you do eventually choose to retire

Certain luxury items like specific Rolexes or artwork can appreciate in value, indicating they can act as assets rather than purely liabilities, emphasizing the need for individual asset research.

I recently saw a YouTuber talk about how you shouldn't buy Rolexes full stop as it's a liability but if you dig into that a bit further you find that there are specific Rolexes that I have held the value or gone up in value over time and the same goes with specific artwork so it really is about educating yourself and there's no kind of generalizing all items into one category

3 years ago Pending

Certain luxury items like specific Rolexes or artwork can appreciate in value, indicating they can act as assets rather than purely liabilities, emphasizing the need for individual asset research.

I recently saw a YouTuber talk about how you shouldn't buy Rolexes full stop as it's a liability but if you dig into that a bit further you find that there are specific Rolexes that I have held the value or gone up in value over time and the same goes with specific artwork so it really is about educating yourself and there's no kind of generalizing all items into one category

Prioritizing financial freedom and flexibility over immediate splurges is a key strategy for long-term wealth building.

I'm very happy to delay that spending on a few nice things on random splurges right now until I've got other things and more important things for me like Financial Freedom and flexibility for myself and those around me in check first

3 years ago Pending

Prioritizing financial freedom and flexibility over immediate splurges is a key strategy for long-term wealth building.

I'm very happy to delay that spending on a few nice things on random splurges right now until I've got other things and more important things for me like Financial Freedom and flexibility for myself and those around me in check first

Bali is highly recommended as a place for digital nomads and content creators due to its combination of beaches, trekking, good food, and reasonable prices.

I could totally see why people work from Bali and why there are so many digital content creators that are based in Bali You get the best of everything you have beaches you have trailing you have good food and all for such a reasonable price

3 years ago Pending

Bali is highly recommended as a place for digital nomads and content creators due to its combination of beaches, trekking, good food, and reasonable prices.

I could totally see why people work from Bali and why there are so many digital content creators that are based in Bali You get the best of everything you have beaches you have trailing you have good food and all for such a reasonable price

Coffee prices in Bali are significantly lower than in London, to the point where spending a few extra dollars on coffee in Bali does not feel impactful compared to London prices.

nothing would top the extortionate prices that I paid for a coffee in London so yes it really didn't hurt my soul to spend a few dollars more for a coffee or lunch

3 years ago Pending

Coffee prices in Bali are significantly lower than in London, to the point where spending a few extra dollars on coffee in Bali does not feel impactful compared to London prices.

nothing would top the extortionate prices that I paid for a coffee in London so yes it really didn't hurt my soul to spend a few dollars more for a coffee or lunch

A single massage in the UK is equivalent to the cost of four massages in Bali, highlighting the significant cost savings for massages in Bali.

knowing that back in the UK I will be paying for one massage or it would cost me for four massages in Bali

3 years ago Pending

A single massage in the UK is equivalent to the cost of four massages in Bali, highlighting the significant cost savings for massages in Bali.

knowing that back in the UK I will be paying for one massage or it would cost me for four massages in Bali

It is possible to find very reasonable accommodation in Bali for $20-$30 per night, making the reported accommodation costs higher than necessary.

I could have easily spent only twenty to thirty dollars a night on very reasonable accommodation

3 years ago Pending

It is possible to find very reasonable accommodation in Bali for $20-$30 per night, making the reported accommodation costs higher than necessary.

I could have easily spent only twenty to thirty dollars a night on very reasonable accommodation

The speaker invests their savings in real estate, the stock market, and their side hustles.

With the savings that I have I use it to invest be it in real estate in the stock market in my side hustles

3 years ago Pending

The speaker invests their savings in real estate, the stock market, and their side hustles.

With the savings that I have I use it to invest be it in real estate in the stock market in my side hustles

The speaker believes wealth is built through increasing earnings and investment growth, not through small savings like discount codes.

There is a limit to how much you can save and you won't be building Wealth through finding discount codes or cutting out vouchers but you can through focusing on the earnings and growth potential

3 years ago Pending

The speaker believes wealth is built through increasing earnings and investment growth, not through small savings like discount codes.

There is a limit to how much you can save and you won't be building Wealth through finding discount codes or cutting out vouchers but you can through focusing on the earnings and growth potential

The speaker prioritizes saving on large expenses like mortgage rates over small daily expenses for greater financial impact.

I try not to focus on the smaller things that have a disproportionate impact on how much it costs versus the happiness it adds to my day like a nice cup of coffee but rather focusing on the big ticket items like cutting down my mortgage and making sure I'm locked into a good rate

3 years ago Pending

The speaker prioritizes saving on large expenses like mortgage rates over small daily expenses for greater financial impact.

I try not to focus on the smaller things that have a disproportionate impact on how much it costs versus the happiness it adds to my day like a nice cup of coffee but rather focusing on the big ticket items like cutting down my mortgage and making sure I'm locked into a good rate

The speaker locked in a 1.6% mortgage rate during the pandemic, which is considered a good rate.

I'm paying 1.6 and the repayment scheme is half capital and half interest which brings down my monthly payments even more

3 years ago Pending

The speaker locked in a 1.6% mortgage rate during the pandemic, which is considered a good rate.

I'm paying 1.6 and the repayment scheme is half capital and half interest which brings down my monthly payments even more

Top teachers on Skillshare are earning over $100,000 per year.

they say that the top teachers are earning more than a hundred grand per year on the platform

3 years ago Pending

Top teachers on Skillshare are earning over $100,000 per year.

they say that the top teachers are earning more than a hundred grand per year on the platform

Two SaaS businesses (Nomad List and Remote OK) generate $2.7 million annually with zero employees.

these two SAS businesses alone make him 2.7 million dollars a year and he has zero employees

3 years ago Pending

Two SaaS businesses (Nomad List and Remote OK) generate $2.7 million annually with zero employees.

these two SAS businesses alone make him 2.7 million dollars a year and he has zero employees

Experienced video editors on platforms like Fiverr and Upwork charge over $100 to edit a 10-minute video.

when you approach experienced editors on freelance service websites like Fiverr or like upwork they're charging more than 100 to edit a 10 minute video

3 years ago Pending

Experienced video editors on platforms like Fiverr and Upwork charge over $100 to edit a 10-minute video.

when you approach experienced editors on freelance service websites like Fiverr or like upwork they're charging more than 100 to edit a 10 minute video

An individual made over $200,000 in the first nine months of the year selling Notion templates.

he shares tips and tricks and creates his own templates and in the first nine months of this year alone he made over two hundred thousand dollars just through selling templates

3 years ago Pending

An individual made over $200,000 in the first nine months of the year selling Notion templates.

he shares tips and tricks and creates his own templates and in the first nine months of this year alone he made over two hundred thousand dollars just through selling templates

Morning Brew, a newsletter, generated over $50 million in revenue in 2021 with over 4 million subscribers.

morning brew has over 4 million subscribers and last year in 2021 the newsletter company generated over 50 million dollars in Revenue

3 years ago Pending

Morning Brew, a newsletter, generated over $50 million in revenue in 2021 with over 4 million subscribers.

morning brew has over 4 million subscribers and last year in 2021 the newsletter company generated over 50 million dollars in Revenue

Top teachers on Skillshare earn over $100,000 per year.

the top teachers are earning more than a hundred grand per year on the platform

3 years ago Pending

Top teachers on Skillshare earn over $100,000 per year.

the top teachers are earning more than a hundred grand per year on the platform

Two SaaS businesses, Nomad List and Remote OK, generate $2.7 million in annual revenue for their owner.

these two SAS businesses alone make him 2.7 million dollars a year

3 years ago Pending

Two SaaS businesses, Nomad List and Remote OK, generate $2.7 million in annual revenue for their owner.

these two SAS businesses alone make him 2.7 million dollars a year

Experienced video editors on platforms like Fiverr and Upwork are charging over $100 to edit a 10-minute video.

experienced editors on freelance service websites like Fiverr or like upwork they're charging more than 100 to edit a 10 minute video

3 years ago Pending

Experienced video editors on platforms like Fiverr and Upwork are charging over $100 to edit a 10-minute video.

experienced editors on freelance service websites like Fiverr or like upwork they're charging more than 100 to edit a 10 minute video

An individual made over $200,000 in the first nine months of the year selling Notion templates.

he made over two hundred thousand dollars just through selling templates

3 years ago Pending

An individual made over $200,000 in the first nine months of the year selling Notion templates.

he made over two hundred thousand dollars just through selling templates

Morning Brew generated over $50 million in revenue in 2021 from over 4 million subscribers.

morning brew has over 4 million subscribers and last year in 2021 the newsletter company generated over 50 million dollars in Revenue

3 years ago Pending

Morning Brew generated over $50 million in revenue in 2021 from over 4 million subscribers.

morning brew has over 4 million subscribers and last year in 2021 the newsletter company generated over 50 million dollars in Revenue

The speaker uses their savings for investments in real estate, the stock market, and side hustles.

With the savings that I have I use it to invest be it in real estate in the stock market in my side hustles

3 years ago Pending

The speaker uses their savings for investments in real estate, the stock market, and side hustles.

With the savings that I have I use it to invest be it in real estate in the stock market in my side hustles

The speaker believes that wealth is built through increasing earnings and focusing on growth potential, rather than solely through saving money by finding discounts.

There is a limit to how much you can save and you won't be Building Wealth through finding discount codes or cutting out vouchers but you can through focusing on the earnings and growth potential

3 years ago Pending

The speaker believes that wealth is built through increasing earnings and focusing on growth potential, rather than solely through saving money by finding discounts.

There is a limit to how much you can save and you won't be Building Wealth through finding discount codes or cutting out vouchers but you can through focusing on the earnings and growth potential

The speaker has not purchased any new clothing items in the past six months, indicating a reduced interest in buying material goods.

I haven't spent any money on a new item of clothing for the last six months. I don't really enjoy buying clothes

3 years ago Pending

The speaker has not purchased any new clothing items in the past six months, indicating a reduced interest in buying material goods.

I haven't spent any money on a new item of clothing for the last six months. I don't really enjoy buying clothes

The speaker locked in a 1.6% mortgage rate during the pandemic, which is considered low and helps reduce monthly payments.

I'm paying 1.6 and the repayment scheme is half capital and half interest which brings down my monthly payments even more

3 years ago Pending

The speaker locked in a 1.6% mortgage rate during the pandemic, which is considered low and helps reduce monthly payments.

I'm paying 1.6 and the repayment scheme is half capital and half interest which brings down my monthly payments even more

Taking on challenging tasks without full preparation can provide a 3-5 year career advantage compared to those who over-analyze and delay action.

that experience in itself will offer you a three to five year Head Start versus someone who's sitting on the sidelines and spends more time analyzing and perfecting everything and only dipping their toes in the water and getting in only when they're ready

3 years ago Pending

Taking on challenging tasks without full preparation can provide a 3-5 year career advantage compared to those who over-analyze and delay action.

that experience in itself will offer you a three to five year Head Start versus someone who's sitting on the sidelines and spends more time analyzing and perfecting everything and only dipping their toes in the water and getting in only when they're ready

5 years ago

Nationwide Flexclaro and Virgin are mentioned as higher-paying savings account providers in the UK.

there are higher paying ones in the uk uh nationwide flex claro and virgin are some of the few

4 years ago Pending

Nationwide Flexclaro and Virgin are mentioned as higher-paying savings account providers in the UK.

there are higher paying ones in the uk uh nationwide flex claro and virgin are some of the few

Ensure that any bank or provider offering savings accounts is regulated by the FCA for protection.

make sure that that bank or provider is fca regulated

4 years ago Pending

Ensure that any bank or provider offering savings accounts is regulated by the FCA for protection.

make sure that that bank or provider is fca regulated

Some savings accounts offer a cap on the amount of savings that will earn the stated interest rate, for example, 1.5% or 2% on up to £2,000.

usually there's a cap amount so you could earn for example 1.5 or 2 interest on your savings up to 2 000 pounds

4 years ago Pending

Some savings accounts offer a cap on the amount of savings that will earn the stated interest rate, for example, 1.5% or 2% on up to £2,000.

usually there's a cap amount so you could earn for example 1.5 or 2 interest on your savings up to 2 000 pounds

Be aware of introductory high interest rates that may decrease after a promotional period.

also banks and providers that provide you with a high interest rate to start off with as an incentive and then reduces below the average after a certain amount of time

4 years ago Pending

Be aware of introductory high interest rates that may decrease after a promotional period.

also banks and providers that provide you with a high interest rate to start off with as an incentive and then reduces below the average after a certain amount of time

When choosing a high-interest savings account, prioritize accounts with no maintenance fees.

so you're ideally looking for one that has zero maintenance fees

4 years ago Pending

When choosing a high-interest savings account, prioritize accounts with no maintenance fees.

so you're ideally looking for one that has zero maintenance fees

Cash ISAs are currently offering around 1.5% interest.

and they're currently paying around the 1.5

4 years ago Pending

Cash ISAs are currently offering around 1.5% interest.

and they're currently paying around the 1.5

Fixed-rate savings accounts are currently paying around 2% interest.

fixed rate options are currently paying around the two percent mark

4 years ago Pending

Fixed-rate savings accounts are currently paying around 2% interest.

fixed rate options are currently paying around the two percent mark

Notice savings accounts are currently offering around 1.1% interest.

notice savers accounts are paying around the 1.1 mark

4 years ago Pending

Notice savings accounts are currently offering around 1.1% interest.

notice savers accounts are paying around the 1.1 mark

Easy access savings accounts are currently offering around 0.6% interest.

easy access savings account and these are currently paying around the 0.6 mark

4 years ago Pending

Easy access savings accounts are currently offering around 0.6% interest.

easy access savings account and these are currently paying around the 0.6 mark

Inflation is approximately 2-2.5%, meaning prices increase by that percentage annually.

inflation is currently around the two 2.5 mark which essentially means that stuff costs two percent more than it did the year before

4 years ago Pending

Inflation is approximately 2-2.5%, meaning prices increase by that percentage annually.

inflation is currently around the two 2.5 mark which essentially means that stuff costs two percent more than it did the year before

Cash ISAs allow for tax-free interest on up to £20,000 deposited annually, regardless of personal income.

and you're able to put in 20 000 pounds in there every year and any interest you earn on that 20 000 pounds is completely tax free regardless of your personal income

4 years ago Pending

Cash ISAs allow for tax-free interest on up to £20,000 deposited annually, regardless of personal income.

and you're able to put in 20 000 pounds in there every year and any interest you earn on that 20 000 pounds is completely tax free regardless of your personal income

Higher rate taxpayers earning between £50,000 and £150,000 can earn up to £500 in interest tax-free.

if you're a higher rate taxpayer only between 50 000 and 150 000 pounds then the interest you earn up to 500 pounds is completely tax free

4 years ago Pending

Higher rate taxpayers earning between £50,000 and £150,000 can earn up to £500 in interest tax-free.

if you're a higher rate taxpayer only between 50 000 and 150 000 pounds then the interest you earn up to 500 pounds is completely tax free

Basic rate taxpayers earning up to £50,000 can earn up to £1,000 in interest tax-free.

if you're a basic rate taxpayer earning anything up to 50 000 pounds then the interest you earn up to 1 000 pounds is completely tax free

4 years ago Pending

Basic rate taxpayers earning up to £50,000 can earn up to £1,000 in interest tax-free.

if you're a basic rate taxpayer earning anything up to 50 000 pounds then the interest you earn up to 1 000 pounds is completely tax free

Funds deposited in FCA-regulated banks or accounts are protected up to £85,000.

if you put your money into a bank or an account that's regulated by the financial conducts authority that means your money up to 85 000 pounds is protected

4 years ago Pending

Funds deposited in FCA-regulated banks or accounts are protected up to £85,000.

if you put your money into a bank or an account that's regulated by the financial conducts authority that means your money up to 85 000 pounds is protected

Saving £10,000 in a high-interest savings account at 2% interest yields £200 in a year, compared to £10 from a traditional account at 0.1% interest.

say you have ten thousand pounds saved in a traditional savings account at 0.1 interest then after one year you would have earned 10 pounds now say you decide to open up and save that 10 000 pounds in a high interest rate savings account at 2 interest then after 1 year you would have made 200 pounds

4 years ago Pending

Saving £10,000 in a high-interest savings account at 2% interest yields £200 in a year, compared to £10 from a traditional account at 0.1% interest.

say you have ten thousand pounds saved in a traditional savings account at 0.1 interest then after one year you would have earned 10 pounds now say you decide to open up and save that 10 000 pounds in a high interest rate savings account at 2 interest then after 1 year you would have made 200 pounds

The speaker earned £200 in passive income from a high-interest savings account in less than five minutes of setup time.

last month i made 200 pounds from my high interest rate savings accounts which literally took me less than five minutes to set up

4 years ago Pending

The speaker earned £200 in passive income from a high-interest savings account in less than five minutes of setup time.

last month i made 200 pounds from my high interest rate savings accounts which literally took me less than five minutes to set up

Investing money into stock market-linked accounts is recommended for funds not needed for the next five years.

i've also invested my money into accounts linked to the stock market this is especially useful if you're not looking to touch that money for the next five years

4 years ago Pending

Investing money into stock market-linked accounts is recommended for funds not needed for the next five years.

i've also invested my money into accounts linked to the stock market this is especially useful if you're not looking to touch that money for the next five years

Nationwide Flexclusive and Virgin are mentioned as higher-paying options for savings accounts in the UK.

nationwide flex claro and virgin are some of the few

4 years ago Pending

Nationwide Flexclusive and Virgin are mentioned as higher-paying options for savings accounts in the UK.

nationwide flex claro and virgin are some of the few

Be aware of cap amounts on interest earnings (e.g., 1.5% or 2% on savings up to £2,000). For savings above the cap, open additional accounts to maximize interest earned.

the second thing you need to look out for is the amount that you could earn the money on usually there's a cap amount so you could earn for example 1.5 or 2 interest on your savings up to 2 000 pounds if you have savings above that 2 000 pounds it makes sense for you to open up another bank account for your savings above that 2 000 pounds so you can maximize the interest you are able to earn

4 years ago Pending

Be aware of cap amounts on interest earnings (e.g., 1.5% or 2% on savings up to £2,000). For savings above the cap, open additional accounts to maximize interest earned.

the second thing you need to look out for is the amount that you could earn the money on usually there's a cap amount so you could earn for example 1.5 or 2 interest on your savings up to 2 000 pounds if you have savings above that 2 000 pounds it makes sense for you to open up another bank account for your savings above that 2 000 pounds so you can maximize the interest you are able to earn

Look for high-interest savings accounts that offer a long period of high rates, rather than introductory incentives that decrease over time.

there are also banks and providers that provide you with a high interest rate to start off with as an incentive and then reduces below the average after a certain amount of time so ideally you're looking for one with a long high interest rate period

4 years ago Pending

Look for high-interest savings accounts that offer a long period of high rates, rather than introductory incentives that decrease over time.

there are also banks and providers that provide you with a high interest rate to start off with as an incentive and then reduces below the average after a certain amount of time so ideally you're looking for one with a long high interest rate period

When choosing a high-interest savings account, prioritize accounts with zero maintenance fees over simply the highest advertised interest rate.

first it's the interest rate don't necessarily go for the highest paying interest rate there may be some other fees that are associated with it so you're ideally looking for one that has zero maintenance fees

4 years ago Pending

When choosing a high-interest savings account, prioritize accounts with zero maintenance fees over simply the highest advertised interest rate.

first it's the interest rate don't necessarily go for the highest paying interest rate there may be some other fees that are associated with it so you're ideally looking for one that has zero maintenance fees

Fixed rate savings accounts allow users to lock in higher interest rates.

then i put some of my cash into a fixed rate option where i can lock in those higher rates today

4 years ago Pending

Fixed rate savings accounts allow users to lock in higher interest rates.

then i put some of my cash into a fixed rate option where i can lock in those higher rates today

Easy access savings accounts allow for funds to be accessed at any time.

easy access savings account which i can tap into at any time

4 years ago Pending

Easy access savings accounts allow for funds to be accessed at any time.

easy access savings account which i can tap into at any time

Cash ISAs, which can be fixed rate or easy access, are currently paying around 1.5% interest and are useful for long-term savings.

and then you have cash license which i mentioned earlier these are also useful if you're looking to save for the long run they can be fixed rate or easy access savings account and they're currently paying around the 1.5

4 years ago Pending

Cash ISAs, which can be fixed rate or easy access, are currently paying around 1.5% interest and are useful for long-term savings.

and then you have cash license which i mentioned earlier these are also useful if you're looking to save for the long run they can be fixed rate or easy access savings account and they're currently paying around the 1.5

Fixed rate savings accounts are currently offering around 2% interest.

fixed rate options are currently paying around the two percent mark

4 years ago Pending

Fixed rate savings accounts are currently offering around 2% interest.

fixed rate options are currently paying around the two percent mark

Notice savings accounts are currently offering around 1.1% interest.

notice savers accounts are currently paying around the 1.1 mark

4 years ago Pending

Notice savings accounts are currently offering around 1.1% interest.

notice savers accounts are currently paying around the 1.1 mark

Setting up a high-interest savings account takes five minutes and helps protect money from inflation.

so by taking out five minutes to set up a high interest rate savings account you're protecting your money and offsetting them out that your money is losing out to inflation

4 years ago Pending

Setting up a high-interest savings account takes five minutes and helps protect money from inflation.

so by taking out five minutes to set up a high interest rate savings account you're protecting your money and offsetting them out that your money is losing out to inflation

Saving £10,000 in a high-interest savings account at 2% interest will yield £200 in one year, compared to £10 in a traditional savings account at 0.1%.

say you have ten thousand pounds saved in a traditional savings account at 0.1 interest then after one year you would have earned 10 pounds now say you decide to open up and save that 10 000 pounds in a high interest rate savings account at 2 interest then after 1 year you would have made 200 pounds

4 years ago Pending

Saving £10,000 in a high-interest savings account at 2% interest will yield £200 in one year, compared to £10 in a traditional savings account at 0.1%.

say you have ten thousand pounds saved in a traditional savings account at 0.1 interest then after one year you would have earned 10 pounds now say you decide to open up and save that 10 000 pounds in a high interest rate savings account at 2 interest then after 1 year you would have made 200 pounds

Prediction Statistics by Year

Year

Total

Correct

Wrong

Pending

Unrated

Accuracy

2026

Total

5

Correct

1

Wrong

0

Pending

4

Unrated

0

Accuracy

100.0%

2026

5

1

0

4

0

100.0%

2025

Total

21

Correct

10

Wrong

0

Pending

9

Unrated

2

Accuracy

100.0%

2025

21

10

0

9

2

100.0%

2024

Total

22

Correct

7

Wrong

1

Pending

14

Unrated

0

Accuracy

87.5%

2024

22

7

1

14

0

87.5%

2023

Total

269

Correct

0

Wrong

0

Pending

269

Unrated

0

Accuracy

N/A

2023

269

0

0

269

0

N/A

2022

Total

87

Correct

0

Wrong

0

Pending

87

Unrated

0

Accuracy

N/A

2022

87

0

0

87

0

N/A

2021

Total

28

Correct

0

Wrong

0

Pending

28

Unrated

0

Accuracy

N/A

2021

28

0

0

28

0

N/A

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Starting to invest at 25 or 35? Which is better? #investing #shorts

The secret to financial success #shorts #moneytips

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The secret to financial success #shorts #moneytips

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ACCOUNTANT EXPLAINS: How I manage my money on payday: Income, Expenses & Savings

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How to know that you’re ready to invest #shorts

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Best way to manage your debts #shorts #moneytips #debt

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One of the biggest time-wasters in most businesses #dropboxpartner

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What Actually Matters in Your 20s

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Looking rich VS Being rich #moneymindset #moneytips

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Habits that build lasting wealth #nikkeiasia

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A Monthly Checklist to Reach Your First $100,000

Habit of quietly wealthy people #wealth #shorts

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Habit of quietly wealthy people #wealth #shorts

If I Wanted to Become a Millionaire In 2025, I'd Do This

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If I Wanted to Become a Millionaire In 2025, I'd Do This

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7 Habits of Quietly Wealthy People

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Stop Wasting Money: How to Budget For Your Summer Holiday

Master Financial Literacy in 54 Minutes: Everything They Never Taught You About Money!

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Master Financial Literacy in 54 Minutes: Everything They Never Taught You About Money!

How To Think Like The 1%

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How To Think Like The 1%

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The most powerful way to think about money

Don’t miss the ISA deadline! #isa #uk #short

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Don’t miss the ISA deadline! #isa #uk #short

10 Tiny Habits That Keep You Broke

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10 Tiny Habits That Keep You Broke

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ACCOUNTANT EXPLAINS: How to 3x Your Savings in 30 days

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How To Finally Start Your Side Hustle. What I Learned Launching My First Business

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Do THIS Before April 5th! Protect your money from Tax. Full ISA guide

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Stop losing money on forex fees #shorts #RevolutBusiness

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ACCOUNTANT EXPLAINS: How to Change Your Finances in 6 Months

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Laziest Ways To Make Money Online For Beginners

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Do this on payday! #moneytips #financetips #shorts

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Do this on payday! #moneytips #financetips #shorts

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17 Tiny Habits That Made Me Rich

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3 biggest mistakes people make with their money #moneytips #shorts

Inheritance tax secret #inheritance #moneytips #uk

Inheritance tax secret #inheritance #moneytips #uk

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Inheritance tax secret #inheritance #moneytips #uk

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You can change your life in 6 months, here is how to do it

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1 year ago • 0 • P

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Make 2025 your best year #moneytips #financetips #2025goals

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1 year ago • 0 • P

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Design your 2025 with me! #moneytips #2025goals

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You Become Powerful When You Stop Caring

2025 Annual Leave guide #shorts #uk

2025 Annual Leave guide #shorts #uk

1 year ago • 0 • P

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2025 Annual Leave guide #shorts #uk

Never do this with your money! #moneytips #financetips #shorts

Never do this with your money! #moneytips #financetips #shorts

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Never do this with your money! #moneytips #financetips #shorts

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9 Life Lessons I’m taking into 2025

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5 Things I Did To Stop Wasting My Evenings After Work

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My 9 Sources of Income at Age 32

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3 'Smart' Habits That Are Sabotaging Your Success

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You're Not Behind: My System to 10x Your Self-Discipline

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How To Manage Your Money Like The 1%

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How to set your kids up for life #shorts #moneytips #moneymanagement

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I'm 32. If you're in your 20s, WATCH THIS

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9 Timeless Money Lessons from The Richest Man in Babylon

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Why You're Stuck at Your Day Job. How to Build Career Success

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7 ways you’re losing money without realising it

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Turn 23 days of annual leave into 50 days off in the next 12 months! #shorts #workplace

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5 FREE Habits Millionaires Use to Stay Ahead

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6 things to do on pay day #shorts #moneytips

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The 4 Books That Will Transform Your Life

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3 Life-Changing Finance Books #shorts #books

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How to Escape the "Rat Race" Without Quitting Your 9-5

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Signs you’re doing well financially #shorts #moneytips

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Why Looking Poor Is Important

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You’re not behind: Why everyone SEEMS to have more money than you

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My Secret Tool for Financial Success: Journaling

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These words will keep you POOR

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5 Things To Do Before You Quit

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7 Biggest Mistakes High Income Earners Make

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Why Net Worth Skyrockets After $100K

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Money Truths School Didn't Teach You

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30 Truths I Know at 30 But Wish I Knew at 20

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How to Protect Your Money from Tax. Watch before April 5th!

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Limited Company vs Sole Trader. Which is better?

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My 6-step Payday Routine. Full guide 👆 #shorts #payday #personalfinance

5 Things to STOP Doing to Get RICH in 2024

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5 Things to STOP Doing to Get RICH in 2024

4 Easy Habits That Make me More Money

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4 Easy Habits That Make me More Money

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Why So Many High Earners Are Broke

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Do This Every Time You Get Paid. Accountant Payday Routine

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Do This Every Time You Get Paid. Accountant Payday Routine

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How to Save $10K Effortlessly: 4 Saving Tips

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How to Save $10K Effortlessly: 4 Saving Tips

My Top Tip for Setting Financial Goals #goalsetting #goals #shorts

My Top Tip for Setting Financial Goals #goalsetting #goals #shorts

2 years ago • 0 • P

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My Top Tip for Setting Financial Goals #goalsetting #goals #shorts

Get More Done in 12 Weeks Than Others Do in 12 Months - The 12 Week Year

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Get More Done in 12 Weeks Than Others Do in 12 Months - The 12 Week Year

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5 Unusual Lessons I'll Be Taking Into 2024 (& How to Implement Them)

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ACCOUNTANT EXPLAINS: How to Get Rich in 2024

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Are you getting paid your worth? #shorts

2 years ago • 0 • P

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Are you getting paid your worth? #shorts

The power of asking #shorts

The power of asking #shorts

2 years ago • 0 • P

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The power of asking #shorts

The Pyramid Mindset Shift #shorts

The Pyramid Mindset Shift #shorts

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The Pyramid Mindset Shift #shorts

2023 Recap: 7 Money Lessons That Changed My Life

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2023 Recap: 7 Money Lessons That Changed My Life

Which Game Are You Playing? #shorts

Which Game Are You Playing? #shorts

2 years ago • 0 • P

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Which Game Are You Playing? #shorts

Why it's easier to feel bad about money

Why it's easier to feel bad about money

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Why it's easier to feel bad about money

What if you invest $10,000 and never touch it again?

What if you invest $10,000 and never touch it again?

1 month ago • 0 • No captions

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What if you invest $10,000 and never touch it again?

Here are 9 bad money habits that keep people broke and how to break out of them:

Here are 9 bad money habits that keep people broke and how to break out of them:

1 year ago • 0 • No captions

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Here are 9 bad money habits that keep people broke and how to break out of them: