This is something very close to me. When I hit rock bottom and stuck on minimum wage it taught me to make the most of nothing, when when I turned to self development and hit 100k I didn't change anything other than better food for 8 years and living below my means has set me free. Stay Uncommon!
@rodneycromie4964
Ай бұрын
Well done
@Uncommony
Ай бұрын
@rodneycromie4964 Thank you Sir.
@danjumasani7953
Ай бұрын
I'm benefitting immensely from your channel, thank you very much
@Uncommony
Ай бұрын
@danjumasani7953 Thank you very much! You'll love the video that I'll release on Monday. Wishing you well wishing you Stay Uncommon.
@UTP504
Ай бұрын
It took you 8 years?? Either way, your discipline is incredible, job well done 👍🏾. I just subscribed to your channel.
@loveofyahweh9660
26 күн бұрын
Just paid off my 35,000$ car today! Praise God! Now for the house.
@CA1567-v8p
17 күн бұрын
Congratulations, just take care of it
@tangobayus
Ай бұрын
Having more cash is better than having more stuff.
@rqn1998
Ай бұрын
Each time you look at your paycheck just remember how much precious time you wasted to get it!
@JohnH-zq7vm
Ай бұрын
Good point
@solarwinds-
29 күн бұрын
And the government will get even more of it. There is a bill in congress that will tax not only your paycheck but your checking account, your savings account, your retirement fund, your house, your car, EVERYTHING. It's called a wealth tax and it's not for the rich, it's for EVERYONE. We can't afford this country anymore.
@BrianK-zz4fk
26 күн бұрын
and how much was stolen by the criminals in washington
@markwhittaker6866
5 күн бұрын
@@BrianK-zz4fk 😂😂😂😂😂. Brilliant comment.
@susanarodriguez1675
Ай бұрын
That should be our way of life. Do not spend more than you make.!!!
@tealkerberus748
28 күн бұрын
I don't need movies, or streaming services, or restaurant meals. I'm warm and have tasty home-cooked food to eat. People need to appreciate the simple pleasures - a nice pot of tea, a chat with a friend, walking through wet grass and having warm dry feet. It doesn't take a lot to feel good about your life.
@BrianK-zz4fk
26 күн бұрын
there are free streaming services like Tubi but agree staying humble with simple things is key 👍
@Anne_Myriam_
23 күн бұрын
@@BrianK-zz4fkyes indeed , just realize that my Netflix is literally a bill smh . I’m going to cancel it now because I just don’t need it .
@azdbecko3499
Ай бұрын
Once, someone said "You can buy anything, but not everything." Thank you for another video 👍
@joshuamckillen3712
Ай бұрын
I could be a multimillionaire and noone would know it. Allways stay humble and frugal💪💪💪.
@BrianK-zz4fk
26 күн бұрын
I could be too 😉.
@candy2325
Ай бұрын
I recently got a raise, so I’m reviewing my budget and I do a zero based budget. Every single dollar gets allocated to all expenses, savings and debt. I’m focused on paying down my student loan and putting more towards that. I’m building up my savings and spending for fun within reason. It’s a healthy balance and I don’t feel too restricted
@Revert2017
Ай бұрын
I used to make a ton of money and blew it all. Now, I am having fun living below my means. Life is simpler and, when I DO spend money, I enjoy it more. BTW, I have a SoFi account and they send out a digital email. Yesterday’s said that Starbucks is reporting lower profits this quarter. They are attributing it to the economy and that more people are making coffee at home.
@isabelbecerra9258
16 күн бұрын
Starbucks dropped the price of a grande by $2
@blackgrandpa7652
Ай бұрын
I went from negative equity after divorce and child support for 18 years and living below my means and investing to becoming a millionaire and nobody knows and continue to live below my means and invest and eat great tasting food and i sleep without stress
@abrahamcisneros1425
Ай бұрын
Good job!
@Observer100-cn7gv
Ай бұрын
Why aren't you still married? Did you break your vows and cheat? If so, you deserve to suffer. Hope that was not the story because once you are married, you are married forever. Stop rushing into marriage if you aren't ready or are not ready or plan to commit. You have to be faithful.
@memeshouse5007
23 күн бұрын
Why speak to someone like that. This comment of out of pocket.
@rencechannel2240
Ай бұрын
The answer for YOLO (You Only Lived Once) with YAGO (You Also Grow Old) = BOLO (Balanced Of Luxuries and Obligations)
@myaccount9498
Ай бұрын
That's awesome!!!
@Observer100-cn7gv
Ай бұрын
Not everyone grows old. Some will die very soon and just don't know it or wait until they are old and sick and can't enjoy it fully.
@williammartinez3883
Ай бұрын
Your videos over 5 yrs has saved me 20k thanks thanks thanks.. I now have a big stack I feel very chipper and very empowered!!!!!
@ElAgustin
26 күн бұрын
Wow! And I've only been doing this for 3 years, haha!
@Luncheon23
Ай бұрын
I really appreciate the chapter divisions of your videos Agustin. Everything is more systematic and organized.
@ElAgustin
Ай бұрын
Thanks! I have a certain writing style and it's much easier to write things out in sections and let you all know the sections! I've gotten to write so much since doing this!!
@Luncheon23
Ай бұрын
@@ElAgustin I think that's what makes your videos well presented and the information neatly laid out. While I appreciate other channels with a more impromptu style, yours makes it easier to go back and find a useful point!
@kingchris6998
Ай бұрын
@ElAgustin we'll need you to write a book for us one day Austin. I would definitely support it/you.
@grantgayle9212
Ай бұрын
I love the advice in this video! However, the one part I disagree with is shopping as discount stores for groceries, especially for produce. I will spend the extra money to shop at Sprouts, Whole Foods, Central Market etc for much higher quality foods, because I don't want to pay for it later in life by getting preventable diseases such as heart disease, diabetes, cancer, etc. Dollar store boxed mac and cheese is not food. Invest in your health, because health is wealth!
@andreabellini6796
Ай бұрын
Yes! Qualify food is important
@michaelwhary7697
Ай бұрын
It's not the food, it's the plastic it comes in.
@ellyne3863
Ай бұрын
exactly. i feel the same way!!!!! money doesn't necessarily automatically mean happiness/power...health is wealth too.
@frenchfruga4851
Ай бұрын
Like the way you talk during your videos , clearly , simple , everybody can understand all those things about economic and frugal life 😊
@ElAgustin
Ай бұрын
Thank you so much 😀
@KellyWeyd
25 күн бұрын
The cost of food is so crazy right now. It's hard to get that under control. However I have gotten it down by shopping sales and shopping at Aldi.
@williammartinez3883
Ай бұрын
I have zero depth just basic bills to live. Life is real good. Money very well managed is great freedom!!!!!
@brndnt925
Ай бұрын
A full freezer and fridge use up much less energy than an empty one. More reason to stock up and eat at home!
@JoshFerguson-yd8gn
Ай бұрын
I only buy what I need and if something needs replaced. I live a simple, frugal, minimalist, and modest lifestyle. So, after I pay for my bills, groceries, and gas. I keep around $500 in my checking. The rest of my monthly income is put into a savings account or invested. I find no cost or low-cost activities in my city. I use my library.
@danicegewiss862
Ай бұрын
Living above your means being poor but looking rich. Living below your means being rich but looking poor.
@surfside75
Ай бұрын
-not doing that looking poor part😂, though I did budget my clothing purchases to be sure I did not go too far.
@brndnt925
Ай бұрын
The bus and the occasional Uber is very affordable and reliable. No insurance or maintenance. Rental cars are real cheap on weekends if you have to get out of town
@kiewkam4226
Ай бұрын
Please share as much as you can. Widespread awareness is the best defense against these criminals.
@leeallsopp5152
Ай бұрын
I love this Austin 👌 I just had a £3000 car emergency and it near wiped out my Emergency fund but I’m glad to rebuild it rather than smash it on my credit card
@JosephLubeck
Ай бұрын
Love you, Austin, keep speaking the truth.
@326159487d
Ай бұрын
I love this video. And yes, you always wear black right??! Just kidding! 😄 'Living below your means' was my favorite thing to do when I hit rock bottom financially wise, years ago. And I still do it. The first three years I didn't spend anything more than rent, food and bike reparations. So no clubbing, new clothing, eating out, etc. At year four, I spend a part of savings from year 1. At year five, I spend a part of savings from year 2. At year six, I spend a part of savings from year 3. And so on. This way, I'll have a builded up buffer of three years maximum savings, of what I'll spend like the half of it for fun and extra things in life. (So in year four I spend half of savings from 'year one', etc). The other half of savings I set apart, and won't touch it/spend it. I'm still not hitting the 10K, but that's OK. I'll get there. (Living in Europe, Netherlands. My rent is probably more than half of my income, my *total basic* needs are probably around 85% of my income) For me it's a marathon, not a sprint 🙌 But the mindset of living below your means, helped a lot at the beginning, especially the first hard years to get in into my mindset, financial system and DNA. Now I have enough money to haul bigger portions of groceries, so I'll last longer/and it's cheaper. So I'll bulk the things I'll need and definitely use in one year (soap, hair products, razors, parfumes, new socks and underwear, spices, tea, etc) for a better price. Everything I'm not (extra) spending is going into the savings account. In that way, I'll live without any mishaps and regrets. I'll have everything I need to eat, be clothed, be hygienic & feel fresh and so clean 💫👌 Even my money doesn't stink 🫢🤣
@nickheld797
Ай бұрын
Im a super happy guy bc my rent is aprox 550 bucks, I live in a criminal area, wich means low rents. I go to work by bike (income ca 2k a month) and my food is from a dumpster. I need to restock once or twice a week. Freezer full. Fridge full. Delicious and good food, sometimes even luxury. Haven't been buying foood for 40 days now. This is my life hack.
@karenbynum846
Ай бұрын
Wow!
@Observer100-cn7gv
Ай бұрын
This must be a joke.
@dvdgantt1
27 күн бұрын
Austin! Your info is very down to earth, very rooted, and grounded to have clarity without worry of tomorrow. 😎👌💯💪🔥
@vzimmer1951
29 күн бұрын
Housing includes more than rent or house payment.
@solarwinds-
Ай бұрын
Great video, we need this type of content these days!
@umerahshuaib9935
29 күн бұрын
What a brilliant clear video, Thankyou for sharing.
@paulawarwick1854
24 күн бұрын
I love your videos so helpful ❤
@susanarodriguez1675
Ай бұрын
Nunca gastes mas de lo que ganas. Esto debe ser nuestro estilo de vida.!!!
@ElAgustin
Ай бұрын
Exacto!
@isabelbecerra9258
16 күн бұрын
Keep teaching money principles to America Austin!
@ClementMG-bs7dg
Ай бұрын
I often watch these kinds of videos online. Unfortunately, they tend to repeat themselves a bit but do offer some good advice. I agree with most of it, but let's take France as an example. The salaries of most people (75% of workers) are so low that it's very difficult, even by depriving oneself a lot, to build a viable emergency savings. It's hard to say everything, but the advice given in this video is very general. It should be added that it's not necessary to buy technological gadgets that advertising and society push us to acquire because they are time-consuming and expensive. Besides, beyond the banalities I just mentioned, Austin presents things in a rather pleasant way.
@brndnt925
Ай бұрын
Meal prep the week. Frozen foods are great for this. Definitely treat yourself once or twice a week dining out to break up the monotony. We could all use a few less calories anyway
@deloresredman4792
Ай бұрын
Yes you need something to look forward to or you will get budget burnout
I agree, my husband and I have ten boys (yeah you read it correctly) and find it easy living on the basics. Our children want for nothing, no debt, and a good lifestyle. So many folks need "things" to be happy.
@Observer100-cn7gv
Ай бұрын
Why have so many children? I never understand that, even if you can afford it. Why would anyone subject themselves to so much stress, put their body through so much and push out so many children? Can one person love pain, losing their personal time, and always preoccupied with caring for children that much? What if the husband leaves? Why put your body through all that for a man? Sorry but you're never going to get a girl so don't try again. Just adopt if you want one that bad. Don't know if that's why you kept on trying but that's your business. Sorry that's your reality. Take care.
@KevinNordstrom
Ай бұрын
@Observer100-cn7gv maybe because they love being a mother and father? If they arent a burden on the taxpayer, stay in your own lane.
@joannbrown2842
24 күн бұрын
My father has 10 siblings and it's an awesome family. 10 boys must be crazy and wonderful. I had all girls, it's been very special to watch my grandsons grow up. They have a special place in my heart. Go you !
@GramGramGenX-ln5sc
27 күн бұрын
Sell everything you own except a laptop and a couple of outfits. When you work, put 75% of what you earn in the bank. You might have to do a bunch of stuff you don't want to do in order to do this, but anything is possible if you were determined. After doing this for a few years and investing properly, you will be building a real retirement for your elderly self. Or you can just blow all your money on stupid sh*t and live in a cardboard box when you are 80.
@eduardor0605
Ай бұрын
I really enjoy your videos, thank you so much! Nos vemos chico
@AndreaJames-dv1rr
29 күн бұрын
Another GREAT Video! I now shop at ALDI because of you and what you stated in a previous video! It has saved me in a very big way! Blessings to you for always being a blessing to others!
@ellyne3863
Ай бұрын
food is the only thing I will splurge on. quality matters. doesn't matter how large your bank account is if you're not feeling well living off cheap food. you don't necessarily have to shop at high price select stores; costco has a lot of quality products, so does trader joes.
@katec9893
26 күн бұрын
This is really helpful and clear, thank you. We never got taught this at school and although it seems obvious it can get confusing working this out yourself, ie whilst job hunting I have to work out the net salary to see whether I could afford to live on it. One issue I'm facing is salaries here being v low whilst rent has increased a lot, it's been making me feel extremely stressed. I'm going to figure out a way forward with this, thank you.
@schoolneverteach
29 күн бұрын
Useful reminder!🎉❤
@henriontour
22 күн бұрын
Thank you super interesting!!
@charlesschulz8416
26 күн бұрын
Cant afford to buy a house so i rent i get $565 aud from the government per fortnight i own a 30yr old car i dont have the latest phone nor do i have the want for one so what fiat money i have spare after expenses i bought 3 ounces of gold and 21 ounces of silver
@plappin
Ай бұрын
So I just learned what YOLO means. Excellent video as always, Austin!
@ElAgustin
Ай бұрын
Really? Haha, that's funny. I feel like it was popular a while ago, but has phased out because it was getting toxic!
@jeffsnow7749
8 күн бұрын
Bang On!! 😀😃😄😁😊
@matchstick8
Ай бұрын
I look forward to Austin's videos
@ElAgustin
Ай бұрын
I'm glad! I've been slowing down a bit with output so I can get a break (2 videos for 2 years was a lot), but might increase output in the coming weeks slightly!!
@TheRealEysi
Ай бұрын
Early gang! 🤝
@christinecoblentz2036
Ай бұрын
This video was so helpful and I plan on doing all the suggestions. Thank you.
@RobCLynch
Ай бұрын
Ten Percent is yours to keep - The Richest Man in Babylon.
@Observer100-cn7gv
Ай бұрын
Who asked you?
@RobCLynch
Ай бұрын
@@Observer100-cn7gv Creo que te habrás tomado la molestia de copiar y pegar esto en un traductor y ahora podrás acostumbrarte al hecho de que acabo de reclamar un minuto entero de tu vida.
@LearnGermanwithMarzipanfrau
Ай бұрын
Yes, it's important to adjust your spending if you spend too much.
@user-xo6dv7cw1b
Ай бұрын
¡El dinero habla y suele decir adiós!
@charletfoster8917
29 күн бұрын
👍🏿 explanation, this video should be available for new hires at jobs!!!!!
@rensgreuter8152
26 күн бұрын
buy/rent a house in cheaper, remote area means more gasoline too move around, so the car will be more expensive. that leads too spent more time and energie and cost you more food and drinks.
@shigaxn
Ай бұрын
Certainly beats living below a bridge
@philliproberts7294
Ай бұрын
Many people in Australia living under bridges I kid you not
@myaccount9498
Ай бұрын
@@philliproberts7294yes
@RockerKapula
26 күн бұрын
Thanks so much
@AnshulDabholkar
Ай бұрын
Got to start implementing :)
@mbank3832
Ай бұрын
it's such a simple concept, yet, so many people don't get it and fall into debt. Well, you can't be an American without something financially stupid I guess
@musafir123
29 күн бұрын
Be more productive than consumer
@aprilm2664
Ай бұрын
LOVE YOUR VIDEOS
@stevehancock7925
Ай бұрын
Nice video. Agree with all your points. Its simple but not easy.
@ElAgustin
Ай бұрын
Exactly!
@repboy1
26 күн бұрын
My Car is paid for but rent is way to high 😔 it wasn’t when I moved in
@MM-jq1nx
Ай бұрын
Here in Europe we get according to the law always net income on our bank account
@rachelwalsh4378
29 күн бұрын
Great video 🏴
@surfside75
Ай бұрын
I have the right car, the rent is good. Still no money? -hobbies.😅
@juliemarkham4332
Ай бұрын
Great tips.
@TheCharlieH
Ай бұрын
I like Disney Plus better than Netflix! Mostly for the NG content.
@wathah323
Ай бұрын
Hanging out with cheap friends is stressful.
@kathleenepugh9495
Ай бұрын
Yep, confusing your gross income and net income will devastate your life!
@anacuevas9273
Ай бұрын
In NJ you can’t find where to leave with 30 0/0 of your monthly net income.
@WanderInWunderland
Ай бұрын
Duuuuuude….. the rent! I wish it was that affordable
@Parcother
Ай бұрын
if your defense part in financial is not enough. then focus on offense part of financial. you need to find a way to make more money.
@InfiniteWealthWisdom-k1c
Ай бұрын
It was impressive
@solarwinds-
29 күн бұрын
I'm taking back everything I said below. It's not going to do any good to live below your means anymore. I just learned, there is a bill in congress that will tax not only your paycheck but your checking account, your savings account, your retirement fund, your house, your car, EVERYTHING you own will be taxed. It's called a wealth tax and it's not for the rich only, it's for EVERYONE. This will virtually make private property a thing of the past because we will not be able to afford it. We can't afford this country anymore.
@kimberlyhughes6807
25 күн бұрын
Vote for Trump! He will not allow that to happen.
@ArafatBukhari
Ай бұрын
Hello 👋 Excellent 👌👌👌 video 👏
@ElAgustin
Ай бұрын
Thank you 👍
@SouLoveReal
Ай бұрын
I like that world map on your wall. Is that a particular "era" map? (Fan from San Francisco, California.) *!!~
@ElAgustin
Ай бұрын
The link to it is in the description. It's a bit expensive, but it's really cool and fun to put up. The one I have is Large!
@debbiewalker273
Ай бұрын
@@ElAgustinMy Dad is a retired History/Geograpy teacher, and he’d love that map. My Mom probably wouldn’t let him hang though. 😆🤣
@lindafuller446
Ай бұрын
Do you think it’s a good idea to transfer money from a tax sheltered annuity to an index fund considering the taxes one might pay compared to the dividends?
@violetagira5128
27 күн бұрын
Austin, how do you like living in Atlanta so far? Do you miss Colorado at all?
@alanhill2508
Ай бұрын
I think a class in Personal Finance should be required before high school graduation.
@innitandting
Ай бұрын
Then people would spend less and mass consumerism would reduce, knowledge is power and they don't want you to have it.
@robertmcgregor8144
Ай бұрын
Hey Austin, where is the link to your budgeting video?
@user-sd5ul1jy6e
29 күн бұрын
Get ready to live further below your means as Federal Taxes increase and 401k deferred tax rules change to slow to path to Quadrillion Federal debt.
@BigGuyBandy
28 күн бұрын
Austin, do you have a video editor? If not I'd be happy to put together a video for you.
@maureenvallieres3555
Ай бұрын
Amen 🙏 ❤
@stephenkent339
Ай бұрын
Good solid advice. I’m trying hard to follow your recommendations. My Wife is not having it and thinks I’m a ATM.
@monishthomasp
Ай бұрын
Great advise as usual El Agustin.. you had a budgeting spreadsheet right ? Can you share the link ?
@ElAgustin
Ай бұрын
I added it to the description!!
@monishthomasp
Ай бұрын
@@ElAgustin Thank you 🙏 ❤️
@SamMoreno970
19 күн бұрын
Guys any tips for being frugal but still having fun dates with my woman?
@LaJiahao
Ай бұрын
Hello Austin Wilhem
@ElAgustin
Ай бұрын
Hello!!
@Editing.Ediction
20 күн бұрын
Pay Attention !! Time to Upgrade The difference between professional KZitemr and basic KZitemr have a line of Thumbnail only !!! I'll do thumbnails but that's not really important but the important is it increases the CTR of your videos, I work with many youtubers and i know what a youtube channel needs.. So i offer you 50 thumbnail at the price $199. That you use multiple times on your KZitem video .Probably this is one of the best investment i here from my clients !!
@breezybre2670
Ай бұрын
Buy cars with cash only.
@avenj4659
Ай бұрын
❤❤❤
@ghostnotes5667
18 күн бұрын
Stop eating out, stop supporting companies that price gouge, stay away from convenience stores. As consumers we can force change if we refuse to pay exorbitant prices.
@wathah323
Ай бұрын
Ladies and gentlemen 😂 😂
@ElAgustin
Ай бұрын
Damas y caballeros!
@wathah323
Ай бұрын
@@ElAgustin 🥰
@commonsenseisntcommon1776
Ай бұрын
Just living period in Briben's economy is hard enough!
@VitalBigras
Ай бұрын
First 🙋🏻♂️
@ElAgustin
Ай бұрын
Second!
@VitalBigras
Ай бұрын
@@ElAgustin 😅👍🏼 Thanks Man, all videos are very helpful
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