#8 last but not the least 😂

Thank you! ❤❤❤🎉

Well played, thank you for the summary!

I love you!

Same! :D

And don't forget about tool lending libraries too!

Also - rich people are more likely to work at jobs that ALLOW negotiation. Every job I’ve ever worked at, they just told you your starting wage at the interview and breezed right through without even letting you get a word in.

I’m currently wearing a top I bought in 3 colors at Walmart four seasons ago. They’re what I primarily live in during the chilly months. Ultimately I plan to get better, higher quality clothes in the future. But these are doing just fine for now. Never considered clothes ‘disposable’.

I wear it out until it has holes or stains on it and then it becomes at home only clothes or my new hobo pajamas.

I don't think I ever perceived any clothes as intended for single use until this year when I saw "ugly christmas sweaters" with craft supplies attached that were thoroughly UNwashable. Like just having a light handwash would ruin the little geegaws, much less a machine wash. So weird. I'm sure Halloween costumes get this treatment by some people too, but dang. Couldn't be me.

@@xxxxMonkeyGirlxxxx why are hobo pajamas so comfy though it makes it hard to get rid of them even when they're way past their lifespan

I feel like it comes down to quality too, I lot of tops I get turn into what I call “tomato shirts” they fit perfect when I buy them and end up short and wide after a few washes. I’ve been slowly writing off old navy for this reason and going to Nordstrom rak for the occasional deal on a higher quality product, although not always size inclusive 🙄

Such a cute comment! I'm glad you've found something that you really enjoy doing too, it is a luxury in this day and age :) have a great day! xx

As a former cleaner, I will be hiring a cleaner when I’m in the place financially. It makes such a big difference for their daily lives, plus most cleaning companies a small businesses and often women owned businesses, which we love to support.

@c b exactly. I sometimes get annoyed by people coming into the field thinking its easy. But if I still see them around 2/3 years later I take my hat off to them. We all learn at our own pace. It's supporting small businesses like you said. And I don't hire, but I do help others to get set up. Xx

Agreed!

i don't know why people feel cut off from art based on income. that's a total misconception. it's one of the most accessible parts of culture where i live. buying visual art can be expensive, but viewing it is usually free. galleries are *always* free. museums almost always have 1 day a week which is free. thanks for this comment.

​@@ruled_by_pluto That's awesome if that's the situation *where you live*, but please don't generalize it like viewing art is one of the most accessible pleasures for everyone, financially speaking. For me and a lot of people it's different. I have to travel to another city/-ies - and gas is crazy expensive rn - and then pay quite a bit for tickets. They rarely have "free" situations-for example, all the free days most art museums here have are days I work and couldn't possibly go. Then there's the parking, costing almost as much as the tickets.

@@samevans1289 do you have a goodwill or similar thrift store where you live? do you have access to art supplies, or live anywhere near a hardware store, even a target/walmart? how remote is the place you live? can you get around at all without a car? that is why is specified where i live, but i have also lived in small towns. gotta say the only place i didn't have access to art was in a place so remote there was no internet service in the whole city, on top of a mountain in a yurt. i'm american btw, i don't wanna get too specific. even there, i made art. have you ever thought about creating access where it doesn't exist?

@@ruled_by_pluto The topic was consuming art, not creating art. I'm talking about live viewing of paintings, sculptures, shows like ballet or symphonic orchestra, etc.

Congratulation beautiful lady. You're really doing well for yourself, I'm at 55 and my financial life is in a mess. Any great tips would really go a long way in shaping my life. i want to buy my own house, that's really a big flex….

@@jkpellegrino378 I used the FIRE movement to put my finances in order. Then invested in stocks, cryptocurencies and real estates through the assistance of an investment Pro who helped me make it this big...

Thanks for your kind response, i would love to connect with your financial consultant.....

As the economic crisis keep rising, one needs to have different streams of income, a well detailed diversified investment portfolio in the financial markets is needed to survive, as well as secure a profitable investment future, Thanks so much to Mrs Brianna megan for improving my portiolio.

I invest with mrs Brianna Megan too, she charge a 15%commission on profit made after every trading session which is fair compare to the effort she put in to make huge profit...

You can also call your city’s residential safety code enforcement department. A few cities, like mine, have a passive system: inspectors will only come out and look at a building if someone complains about it; other cities have active enforcement.

and some even have park passes for state/local parks!

@@untappedinkwell that's so cool! I didn't know that!

Even though I work several jobs I could never afford that. It's cheaper and faster to clean to live minimalistic than paying someone to clean my flat.

And some of these jobs are low hanging fruit for life satisfaction…the smell of a freshly laundered towel, a sparkling countertop….small joys. when so much of life is out of my control, I love these tiny bits of predictable enjoyment.. and when the job is out of hand, that’s a signal that I need to declutter, address impulse shopping, figure out why I’ve been putting the task off etc.

@@rpisuba there are people with ADHD for example for which task of keeping their living space or organizing things around them can be huge because of the unique mental difficulties that come with that disorder, and hiring someone might be a great help. But of course everyone is different.

What if you get divorced and he goes on to have children at an older age but you can’t now because you are older? It’s never equal, sadly, unless he is sterilized when you go through menopause.

…what does that have to do with anything in this video?

@@ourgardenkitchen Hm, if it was me... *_I'd be happy because I don't want kids._* 😘 I call that a win.

I wouldn't call that house poor....I would call it being financially smart. The house is the value, not the decor crap inside of it. Buying nice stuff to keep up with others will keep you broke

I once experienced a yard sale just like this. The old lady wanted damn near 80% of the original retail price for a hardcover Harry Potter book. Like... Ma'am... You will NEVER sell that book for that price. (Especially now.)

I have gone to garage sales, estate sales, church rummage, and Craiglist sales in both CA and AZ and I can tell you for sure that the place to shop is the wealthy places bc that's where I have found my bargains. They get tired of their furniture, or whatever they may be, and have their garage sales just bc they want to get rid of their items fast so the new sets could be set up immediately. Even the thrift shop items are better bc the items being sold are from wealthy people's homes. The key is knowing what you really want that fits your style. I feel that I am the only one who goes shopping as I do in my neighborhood and wonder who among them used to own what I just bought. 🤔😬😂I mostly don't invest in new furniture anymore bc doing so makes it easy for me to get rid of them without losing money. And hey, I can laugh all the way to the bank!

@@Ckawauchi35 this is especially true of estate sales. Often the family members just want to get through the giant pile of stuff, and they’re not too precious on picking out the good stuff from the cheap stuff. If you know what you’re looking for, you can furnish your house for a very good price. My cousin once acquired a full set of barely used formal china for 8 for $85 (seriously it included the gravy boat).

How often do u have them come though?

@@SeaFlower38 twice a year

You can invest in a mutual fund without having a retirement account (Ira, 401k). While you won't get the same tax benefits, you will still get the compound growth and passive income. 😊

I have been on the DL for over two decades. You are probably young, and not in a situation to have saved the kind of money to own property, but I was around 40 when I was put on the DL, and had scrabbled together (working sick for a decade) enough in my previous career to get in the property market at 35. Real estate is always a big risk, but at different times, I cleared a good profit selling in a high market and moving to a much cheaper place, and later rented that small property out and further downsized. It was not illegal for ME to reap passive income from property, according to the rules of my private employer's insurance and SSDI. In fact, I could have inherited a million dollars and not broken a rule, but I could not make $5 teaching a yoga class because that is a wage. Depending on the type of disability you're on, private, SSDI, or I'm guessing, the kind you get if you're disabled as a child, where you can ONLY accumulate assets in an ABLE account. If a wage. If you've been on the DL since you were a child, you are probably in a situation where the SS authorities are policing your assets. The laws for the disabled are nonsensical, keeping many poor or in financial jeopardy, even if they are lucky enough, like me, to have hung on in the middle class. If I hadn't been working in finance, I wouldn't have known what to do. Lawyers, I am afraid, are little or no help and cost a bundle. Much reform is needed in this area, and with millions of Americans partly or substantially disabled by Long Covid, America needs a big rethink. More on this, Chelsea, please! You had a great guest recently. 👍

@@christinagombar2622 well for me, I do work, but have state assistance for caregivers etc. I can't have over a certain amount of liquid assets before that assistance goes away, and suddenly I have to pay +$4k/mo for that stuff. Even with my very high paying job, it'd make me destitute again. So kind of like I said, "set and forget" methods become "set and watch like a hawk to move money into the ABLE account before you have too much." Can't own a house (other than my own residence, but I rent - I'm too poor for that lol) or a car outside of your primary vehicle. So this isn't disability insurance, SSI, or SSDI (but those have massive OTHER problems to contend with, like the feds as you say, ugh!). Yes, would LOVE if we could talk more about how to safely, equitably, and smartly build up wealth and finances from a disability perspective, Chelsey! The country and world are simply not prepared for what the future of the mass disabling event that COVID was, is.

@@karynnotkaren693 this is just the type of thing I'm talking about! 😀 I think that a lot of financial planners/gurus/channels/whatever think all that stuff is too beginner to cover *in depth* but it'd be so helpful, especially with how overwhelming learning financial lingo/brokerage lingo can be.

@TheIrishAlchemist I have also been frustrated with the one size fits all financial advice. It's like they assume everyone starts out with a clean slate, no disability, no older relatives to support. Only in the past few years have personal finance journalists acknowledged that most college grads start life in major debt. There are many life situations, including immigrant status, that complicate things. Great for you that you can work and save in ABLE. Home ownership is sadly getting to be a distant dream for so many, and like college, may not be the best thing for everyone. Really live this site and the comments!

It's true. We own a house but we used to rent and I am not going to lie...renting was way easier on our finances. Sure, if you pay 3000 on rent (let's say) it could go to a mortgage but what people won't tell you is that you also have to get house insurance and pay property taxes and also have to pay for upkeep for your house. It all adds up $$$$ and if you live pay check to pay check...well it's very stressful. So not saying owning a house is all bad of course...but renting an apartment with a month to month lease isn't bad at all and you have a patio!🙂 Hope this helped!

yes!

My parents have an added table they set up in the living room for Christmas that’s made of plywood and has legs made of plumping pipes that screw into fixtures on the underside of the table. They store it on a pulley system from the garage rafters the rest of the year. It’s been a great solution that has lasted 20 years. Definitely feels more substantial than a card table.

May i ask what your job title is?

She was talking about negotiating up for a better salary, not negotiating a small businesses owner down. She even said to pay people that you outsource work to a fair wage.

@@IAmTheAnswerer I get that. I still think that we have been raised into this "bargain" mentality which leads to a monopoly for big companies who can offer things cheaper, plus we are surrounded by things for which we do not pay the actual price they should cost if we paid for labour, sustainable material etc. I wasn't trying to criticise her, just trying to point out, how this mindset of trying to get things for cheap is problematic.

She is not talking about old or "worn in" clothes. She is talking about vintage or thrifted clothes that are in good or excellent condition. People donate beautiful clothing to thrift stores that are in great or new condition all the time. No one is advocating for wearing ratty clothes. She is advocating for wearing higher quality vintage clothes because they do not make clothes like they used to. Plus thrift stores are cheaper when you are on a budget.

I totally get this as I have this same situation. What works for me is not joining in all dinner parties, but joining some of it if it is associated with an event (promotion, birthday, etc) where you really want to go. This keeps your friends close and makes them respect your time. I feel this works for me, I still have my friends and I have my own time. What may also help is asking your friends to hang out in a place you like for a change.

You have to become a member of the channel. You’ll find the join button near the subscribe button, usually.

LOL. The truth is that if the soldiers are properly equipped and given the necessary information, the mission will be successful, and the same is true for your investment. If you use the right strategy, you can outperform the market and make a lot of money. That is the textbook definition of a fiduciary investment-advisor.

@Stanley Edwin Please who’s your invstment-advisor?. I'm retiring next mnth. I'm a bit nervous about how to keep up with the skyrocketing inflation and cost of living.. I have $100k for a start

@Stanley Edwin Thanks i just looked up this person and surprisingly she seems really proficient. I left a message and hopefully she will reply soon.. what a treasure to behold!!

​@Bailey mclean who is your fiduciary please🙏

@stanley Edwin

Tʜᴀɴᴋs ғᴏʀ ᴛʜᴇ ғᴇᴇᴅʙᴀᴄᴋ Fᴏʀ ᴄᴏɴsᴜʟᴛᴀᴛɪᴏɴ ᴀɴᴅ Gᴜɪᴅᴇʟɪɴᴇs ᴍᴇssᴀɢᴇ ᴏɴ WʜᴀᴛsAᴘᴘ💬

Right - and in the US, throwing your back out over it could end up costing you even more

You have to become a member of the channel. The join button is usually near the subscribe button.

Reading one's situation and avoiding condescension and snobbery are free, too.

Say it louder for the people in the back 🗣🗣 Like, there are literally very highly paid male chefs and cleaners. Simply cooking and cleaning is simply not a gender-based job/skill.

I get your idea, however what you are saying is still wrong. I like cleaning as well as do other stuff lol, so why should I limit myself on working in that domaine, when I have plenty of opportunity at home to do so and earn my money with something else? Your initial idea is good, but as long as partners are equally valued and split the whole package of workload (income, household,etc) in a fair way everything is fine. Also your comment gives a bit the vibe that you think „passion“ & „job“ are directly linked, which is not true…. Not to get me wrong, I am pro outsourcing whatever helps your family and that both genders should be expected to contribute equally, however this equally can look different for every couple…

Think this has to do with how we drive everywhere in the US even if our destinations are not far away.

Look up the KZfaq channel not just bikes

Mrs Norton changed my life because of the high profits I got from investing with her.

You invest with Mrs Norton too? Wow that woman has been a blessing to me and my family.

I'm new at this, please how can i reach your broker

I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.

@@kennguyen4540 You can communicate with her on telegam with the user name below