How To Budget Your Paycheck (Do This When You Get Paid)

Рет қаралды 146,932

Күн бұрын

To start comparing quotes and simplify insurance-buying, check out Policygenius: policygenius.com/whiteboardfi.... Thanks to Policygenius for sponsoring this video!
In today's video, we'll talk about how to budget your paycheck so you know exactly what to do when you get paid.
One of the biggest takeaways from watching my channel is that you need to pay yourself first so your money works for you and not someone else.
One of the biggest mistakes that people make is not paying themselves first and before they know it, their entire paycheck has already gone to things other than themselves and building their wealth.
Watch until the end of the video for my thoughts!
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⏰ Timestamps ⏰:
0:00 - Intro
0:37 - Step 1
1:52 - Step 2
3:16 - Step 3
4:27 - Policygenius Spot
5:51 - Step 4
7:14 - Step 5 IMPORTANT
10:22 - My Thoughts
11:23 - WBF University
11:57 - LOL
ABOUT ME 👇
My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos reflect my real-world experience as a real estate investor, stock market investor, student of finance, and entrepreneur.
This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort to every video that I make. I also believe in complete transparency and open communication with my audience.
Subscribe if you are interested in:
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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.

Пікірлер: 287

@WhiteBoardFinance Жыл бұрын

To start comparing quotes and simplify insurance-buying, check out Policygenius:policygenius.com/whiteboardfinance. Thanks to Policygenius for sponsoring this video!

@Prasad_California Жыл бұрын

Awesome thanks. I would like to suggest a video about a strategy for low end investors during recessions/inflation. Lot of guys talk about things which are suited for high worth investors, someone could explain the exact steps common people can take including 401k reassignment suitable to tackle this downturn. Most middle class has maximum assets saved in 401k or some rainy day cash deposits, which are getting depreciated much faster. How to hedge against that?

@walter.dlawson2580 Жыл бұрын

I am saving and investing around 70 percent of my income in the financial market(high yield etfs, stocks etc) pretty much how I made my first million although with an FA. I have a high paying engineering job, and I live upstate NYC. my expenses are low. I have zero debt, low rent and car truck paid off. So i can just save. feel lucky at this point I'm actually grateful for my advisor handling my portfolio.

@donaldlocher2537 Жыл бұрын

Truly Stocks, ETFs and Mutual funds are the best investment decision you can make both short term and long term for steady money flow. Kudos

@harleycartley3138 Жыл бұрын

recently started in stocks and I don't mind investing a substantial sum, i'd like to know your advisor ?

@walter.dlawson2580 Жыл бұрын

@@harleycartley3138 certainly, she goes by Susan Kay Mack...she's quite known, search her up for her info

@stephmeldrich6765 Жыл бұрын

I was able to find her webpage and leave a mail after going through her credentials, i'm willing to make consultations to improve my portfolio

@Theeverythingman23 Жыл бұрын

I looked her up too. She sucks!

@gagnepaingilly 11 ай бұрын

Insightful video. I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I'm 27, and earn nothing less $150k per year, but nothing to show for it yet

@blaquopaque 11 ай бұрын

When people have money, they spend it. And some people spend more money when they have more of it. If you want to improve your financiial managment, you should consult with a financiial advisor.

@shirleneunglesbee1423 11 ай бұрын

Right, you can avoid the pitfalls of lifestyle inflation by consulting a knowledgeable advisor to help you plan your short- and long-term objectives; it all comes down to proper guidance. Over the last two years and six months, I've seen my income generate wealth, and I now have a fully paid-off house and at least $2.2 million in savings. All of this is the result of subsequent investments and the application of expert advice.

@kansasmile 11 ай бұрын

@@shirleneunglesbee1423 Nice, who is the FA aiding you if this is not much i'm asking? my retirement plans are going down the drain with my 401k particularly losing everything it gained ever since 2019

@shirleneunglesbee1423 11 ай бұрын

Her name is "JILL MARIE CARROLL", cant divulge much. Most likely, the interrnet should have her basic info, you can search her online as she is SEC and FINRA regulated.

@kansasmile 11 ай бұрын

@@shirleneunglesbee1423 Found her, I wrote her an email and scheduled a call, hopefully she responds, I plan to start the 2nd half of 2023 on a woodnote financially. Thanks

@dominick358 Жыл бұрын

Just what I needed! Especially when you get paid weekly. My income recently increased dramatically so your channel is a godsend!

@WhiteBoardFinance Жыл бұрын

Thanks Dominick that means a lot!

@joseeduardo4327 Жыл бұрын

Whoa flexin

@KevinHPhotography Жыл бұрын

Subtle flex indeed

@TaxinGigs Жыл бұрын

I get paid Monthly 🤪

@anthonywilliams9415 3 ай бұрын

Nothing like weekly pay

@patrickstallings9613 Жыл бұрын

Great back to basics/school approach. I have did a similar thing for travel and its really helped(got the idea from you in a much earlier budget vid). I can't say this enough. The best part to me at least about this method is it TOTALLY removes ANY guilt you may have on a purchase. You set aside an amount for one big ticket item and when you hit that amount, you go buy that big item. GUILT FREE. The best part is the price may have came down by the time you have the amount you targeted. Even better. This puts your money to work for you and removes the strange emotions of spending we get ourselves into. Live your life to the full but don't be a fool.

@DrProgNerd Жыл бұрын

My 18-year-old is building his credit and socking away money for a house. He's killin' it so far. I shared this with him. Great content as usual. Thanks

@blaakcoffee Жыл бұрын

👏🏿👏🏿👏🏿👏🏿👏🏿. Kudos to you for ensuring your 18 year old gets a great head start. You now have earned the Parent of the Year Award!!!

@TILLMANSCOTT07 Жыл бұрын

Thank you! Always love seeing the new vids

@royalistkellyjones5560 Жыл бұрын

I love how you keep it direct and simple

@jakeshiever Жыл бұрын

I like to do the 50/30/20 rule with my left over net income. It's worked out great, and I know exactly how much I have for wants rather than guessing.

@JelloTricks Жыл бұрын

unfortunately i just started getting paid monthly ( VA Disability, GI Bill Housing Benefits ) but GREAT timing on this video, i just started last month with these monthly checks, and i needed a refresher! thanks, you’ve done a lot for my future! keep it up

@JustAName-it5qp Жыл бұрын

Same here, 100% VA, and getting Ch 31 housing allowance going to school full time. I also found a easy federal job for extra income.

@hectorbonilla6564 Жыл бұрын

this video definitely opened up my mind / eyes , each step is very important ! thank you for this knowledge

@joshuabernardino4310 Жыл бұрын

If anyone watches this video and follows this advice, they will never have to think about money again. This is that notecard level, personal finance, essential tier quality.

@thenewwayhome Жыл бұрын

This is very timely and informative! You broke down the topic very well. This is very helpful to every working individual especially now that inflation is up. Keep up the good work!

@WhiteBoardFinance Жыл бұрын

Glad it was helpful!

@johnattanlafontant9412 Жыл бұрын

Thank you Marko! Can't wait for school to start

@genxretiree Жыл бұрын

This is good stuff. We have a couple years of cash to spend down while we invest 100 percent of our income. No liabilities and we’ve netted 6x our annual expenses so far in 2022 while maxing out all Roth and HSA options. For us it’s been about cash flow (Gen X) so eliminating fixed asset costs was a priority in 2021 (paid off primary residence and bought two new vehicles with cash). Filling up the buckets is a focus now.

@rayeemon Жыл бұрын

The time of this video is so good!! I just got a job in pharmacy and get paid weekly. THANK YOUUU😁😁

@timd.2505 Жыл бұрын

It’s just my wife and I and we have 5 months in our emergency fund. Don’t forget to include Cobra payments in your expenses calculation so you are prepared for a job loss

@cassnate6259 Жыл бұрын

If everyone just watched this 12ish minutes and took it to heart, it would completely change their life. Of course, it's all more easily said than done, but it truly is not a complicated concept... Just needs to be understood and followed. Fantastic content as always, Marko. Love the bucket strategy. 👏

@reneapalmer6977 Жыл бұрын

Thanks for sharing your information 😊

@baseball741 Жыл бұрын

I always stick around for the very end to see if there's an "after credits" scene lol

@jonathandeuire6962 Жыл бұрын

Love your videos, Marko!

@girlbornonwednesday Жыл бұрын

I was just explaining this to my mom this morning thank you for making this video!!

@summerblairh Жыл бұрын

Awesome. Thank you!

@hectoralejandro9883 Жыл бұрын

Sweet, a shout out to the Money Guy Show! I follow both of these channels

@dougz2855 Жыл бұрын

Great video! Sharing it!

@Yolomamba24 Жыл бұрын

i like the visualization of the buckets when teaching people about personal finance! As you were explaining it, I immediately thought, well hey, I may not have enough in my travel bucket, but I can technically borrow from the car bucket. In doing this tho, I can see that I have to sacrifice getting a car sooner, If I want to take a vacation.

@edithwaithira9967 5 ай бұрын

Very informative and helpful

@josephboamah3755 Жыл бұрын

You don’t miss bro 🙏🏾

@jessebrazil4822 Жыл бұрын

Incredible thanks

@jackcarraway4707 Жыл бұрын

I'm a military barracks rat. I put 20% of my paycheck into the "future needs fund". 60-70% is being invested in some capacity (most of it being VTI in my Roth). The remaining 10-20% is what I live off of. I also do food delivery when I'm off duty and 80% of that is also being invested into I Bonds and SCHD to build up another income stream.

@ShmeegleSon Жыл бұрын

You dah man Marko!

@jaggaadaku Жыл бұрын

I come for the markers at the end of the video Marko !

@sergeyyuminov8577 Жыл бұрын

Good job, Marko👍

@markwithers7730 Жыл бұрын

Started watching this over pandemic in 2020, made a big difference to my life Thanks Marko!

@blaakcoffee Жыл бұрын

Home run!!!!👏🏿👏🏿👏🏿👏🏿. Love this video!!!

@WhiteBoardFinance Жыл бұрын

Glad you liked it!!

@danielj3010 Жыл бұрын

ALMOST 1M!!

@BudgetsWithELMA Жыл бұрын

Very informative & I found it very helpful 👍

@luisbarojas6613 Жыл бұрын

Good video for finance

@sherryie2 Жыл бұрын

It really made no sense to me when he said ''It doesn't matter whether I'm right or wrong, whether the market goes up and down. I'm good regardless''. People are really losing a sh*t ton of money out here. I personally have been buying stocks since the beginning of the year and yet nothing's changed, but I've been reading articles of people still in the same market pulling off over 350k in just a couple months. Its tough out here!

@Harperrr.99 Жыл бұрын

Sometimes, the strategies to stay on constant green in a downturn markets are quite rigorous for the regular-Joe. Matter of fact, they are most successfully carried out by experts who have had a great deal of skillset/knowledge of the market. Maybe you should hire one.

@corrySledd Жыл бұрын

@@Harperrr.99 Agreed! I first contacted a Financial Analyst because these days, it's easy to buy into trending stocks, but the task is knowing when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. I’m currently 60% up in profits just in 5months with my initial capital of $160k

@McElvinn Жыл бұрын

@@corrySledd Please can you leave the info on how to reach your investment advisor here? I’m in dire need for one.

@corrySledd Жыл бұрын

@@McElvinn Sure. NICOLE DESIREE SIMON, a well-known person in her field, is my advisor. I got to know her through my wife. It's my wife that has her number, but you could further investigate her credentials and contact her yourself.

@McElvinn Жыл бұрын

@@corrySledd Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

@2011vortex Жыл бұрын

Great video.

@teach.her.glam9986 5 ай бұрын

Thank you for this VERY informative video (new subbie❤)! As a public educator for the past 13 years, I would have LOVE to have financial literacy and knowledge such as this when I first began. P.S. Expos rock😂🤘🏾

@chuck8842 Жыл бұрын

Great video, and I'll second the endorsement of the Money Guy "Order of Operations" which is definitely the best blueprint for wealth-building and financial independence

@djukan2010 Жыл бұрын

Great video and advice! 👍🏼

@WhiteBoardFinance Жыл бұрын

Thanks so much!

@s3s_ Жыл бұрын

Good stuff my dude

@WhiteBoardFinance Жыл бұрын

ty sabr

@veronicagrave159 Жыл бұрын

Thanks for putting this video out! I wish I could have someone like you review my finances. I'm 30 years old with my husband and our newborn daughter. We're saving up for our first home.

@asangakumaranayake1685 Жыл бұрын

Same here... We are planning for a baby next year.

@jvan6582 Жыл бұрын

Great video. I use the 50-15-35 rule live expenses-fun $-savings

@santiagovallejo7495 Жыл бұрын

The fact that you are taking a long time to make your school, shows how good is going to be.

@yvettebryant5530 5 ай бұрын

Wow, for a person who may already have expenses and is young just trying to improve their budget, it seems waiting until #5 to pay bills/expenses seems unrealistic to start. As for me, i do contribute to the employer match 401k. This is one of tye best thing i ever done. Thanks for sharing!

@FinancialSelfReliance Жыл бұрын

Good list, I have a little different order but I think you nailed the important stuff... I think the life insurance should be a step, or all types of insurance really, but the fact you had it as the ad in the middle works for me, lol.

@co7314 Жыл бұрын

Completely unnecessary for single people with no kids though.

@FinancialSelfReliance Жыл бұрын

@@co7314 Not necessarily. I ask single people if they were to die today who would bury them? Do those people have 15k available to bury you? If not, then they should have some life insurance. Even if they do have the money, it would probably still be nice if they didn't have to pay for you and you had the insurance.

@submittotheplan Жыл бұрын

New subbie here! Great info!

@georgecain8279 Жыл бұрын

Here in the uk the auto enrol you on pension contributions, many don’t even realise they’re paying it, but they’ll be glad they did

@hornedlobster Жыл бұрын

I love the bucket method! Im gonna make a "new tech" budget :)

@WhiteBoardFinance Жыл бұрын

Glad it was helpful!

@mitya6568 Жыл бұрын

Thank you

@tylerpuetz8181 Жыл бұрын

Back to the basics, I missed the good ole whiteboard!

@dapras Жыл бұрын

Its too late for me, but i will definitely be showing this to my Nieces , Nephews, future children

@viralseth05 Жыл бұрын

Great video as always!! Can't wait for your University to go live!! I've so much to learn!! PS. Your after credits are way better than Marvel phase 4's 😂

@FacingReality500 Жыл бұрын

I have been waiting for another vid like this! Stay safe Marko!

@WhiteBoardFinance Жыл бұрын

Thanks for watching!

@1.jerm_ Жыл бұрын

I love this video

@kcz81582 Жыл бұрын

A Toyota Yaris 🤣 That’s why I love Marko

@beefbroth6539 Жыл бұрын

10:06 I feel called out here. I only have 10k in my "new car" budget, but I've been browsing car listings for 911 Turbo S, M4, GTR etc LOL

@kevinlam4773 Жыл бұрын

Marko Buckets & FOO > Ramsey Baby Steps

@ShouldIInvestorNot Жыл бұрын

It's all about optimization 👌💰📈

@i.am.noah. Жыл бұрын

Great video. Question: what camera and mic are you using? I do remote work at times and certainly would help me do a proper set-up. Thanks

@robertobaez6264 Жыл бұрын

That's right... who needs groceries and utilities. LOL

@marym5631 7 ай бұрын

Hi Marco. Always learn from ur videos. Thank you!!!! A suggested correction... i heard you say that investing is for the young. I am 59 and always looking to invest and improve my finances.. i suggest investing is for all ages. Thanks again for all you do! Mary

@babychewbacca9211 Жыл бұрын

Gosh you already have your marker bucket ready lol

@PassivePortfolios Жыл бұрын

I paid myself first and invested in low cost index funds. Spent the rest. Save and invest at least 20% of your pay if you want a decent retirement. I know about this when I was in my early 20s and practiced it with discipline. Most of today's young people are clueless and will only realize what they should have done when it's too late.

@guilenzirs Жыл бұрын

looks like someone's got a tan! haha thanks for your videos Marko

@WhiteBoardFinance Жыл бұрын

Lol had 5 soccer games over the weekend

@bobespnza-la7030 Жыл бұрын

Awesome video! Missed your videos Mark! Simple question, I only match up to my employer match…2 options: 401k or ROTH 401k. Which one do you like MORE?

@bobespnza-la7030 Жыл бұрын

I have a taxable brokerage account that I have for 10+ long term.

@jonnie0rtiz Жыл бұрын

Hi Marko, great video as always. Does your brokerage or bank with the bucket system easily allow you to automate how you distribute the left over funds?

@WW-34 Жыл бұрын

I put different %/dollar amount of my paycheck deposits into several different banks. Maybe this will help you.

@reinaldimarquez3037 Жыл бұрын

Ally Bank has a fantastic bucket system on their app. I have Marcus but my gf has Ally savings account and it helps her tremendously!

@ibarix Жыл бұрын

In my country we don't have a match but a country subsidy of 15% on a very tiny ammount (up to ~666$ max in a year) if you even chose to save. For me, that's bullshit help.

@youthought6999 Жыл бұрын

Forgot setting aside money for options gambling 😈

@sorenlundgren7139 Жыл бұрын

Hi! Thanks for great videos! A question about this one... How/where do you save "each bucket" funds? For example, if you put $300 away each month in the "Travel bucket", where do you put this money? - I assume Not in mattresses, not in a saving accounts, not in a checking accounts... I assume you should put them in some better type of saving place with better ROI. Can you give suggestions for each bucket?

@tyleraguilar2474 Жыл бұрын

Marko with the car taste 911 Turbo S😮‍💨😮‍💨

@NFTyGIFty Жыл бұрын

Shout out to the money guy show FOO!

@TougeTime Жыл бұрын

GR Yaris

@adrianhummel83 Жыл бұрын

Would you use something like m1 finance for some of the bigger buckets?

@DemocracyManifest Жыл бұрын

Commenting for the algo 🚀

@nicolaslugo6064 Жыл бұрын

Hey Marko I had a question for you about the 401k match. My employer does offer a match but the match is 25% of any contribution. That being the case how much would you recommend putting into my 401k. Thank you.

@daveclark6324 Жыл бұрын

Office write-offs! 👍😆

@stevenkurz8202 Жыл бұрын

There's better tax deductions than dry erase markers, Marko lol

@CaptainBenjamins Жыл бұрын

Question for you Marko (or anybody) -- I understand the "Fill up the buckets" idea, but physically how do people go about doing this? Like most people, I bank with one of the big 4 US banks (Chase, BofA, WellsFargo, or Citi), in your example, are you saying I should open 5 "savings accounts" and just label them as EmergencyFund, InvestingFund, TravelFund, HouseFund, CarFund, ? Do people actually do that? Or do you just have your EmergencyFund Savings account and just keep adding cash to it for all those things and then just have an excel sheet to keep track of how much money of the savings account is allocated to those things in life that matter to you? Thanks in advanced!

@aarons.8129 Жыл бұрын

Great question! I’m curious about this too

@Caesar__99 Жыл бұрын

Literally open different accounts and have money deposit to those accounts. The separation helps creates agency for the money. I have multiple accounts for different uses.

@VQHRZ Жыл бұрын

To each their own, I just track the allocation in an excel spreadsheet

@Caesar__99 Жыл бұрын

@@VQHRZ this works too

@roadmapmoney Жыл бұрын

Ally Bank or Capital One allows you to open multiple savings accounts and name them. Then you can setup an automatic transfer to each on payday

@elimijares4423 Жыл бұрын

Hey marko what’s your opinion on using acorn

@tone0757 Жыл бұрын

I got this idea after reading Money Master The Game by Tony Robbins. Every dollar I make is split into a particular purpose. If I want a new car create a new envelope. If i want a house envelope. Instead of the envelope method I did this with savings accounts. It was a game changer. For instance if you have $250 that you put aside consistently for 5 years that’s $15,000, 10 years that’s $30,000. Ten years sounds like a long time but it’s been over 10 years since I was in undergrad. That $30k can be used to purchase a property or other investments which you can grow. I feel most people can at least put $250 away.

@gustavogarcia5948 Жыл бұрын

Hello. I am new in investing. And my question is. if I buy shares in wibull do I own those shares or I am buying to trade Only?

@magnusruben9646 11 ай бұрын

I make about 50k a year, and recently pushed my savings rate all the way up to 30%. I was able to do this through living abroad for 330 days a year and working for a foreign company. This wipes out my federal income taxes through something called the foreign earned income exemption, which covers up to 120k of income. Something to think about if you're keen to live overseas :)

@TheMightyNate Жыл бұрын

Marko im watching its been to long since your last video

@WhiteBoardFinance Жыл бұрын

About 2 weeks. Had a lot of obligations over the past two weeks. We won a big Labor Day soccer tournament on Sunday :)

@TheMightyNate Жыл бұрын

@@WhiteBoardFinance thats great congratulations 🎊 but question how far back does your oldest youtube video still brings in funds to you ?

@ianraymond9924 Жыл бұрын

For the 15% recommend net income into retirement on step 4 does that include the money you are already contributing pre-tax on step 1? or another 15% after that?

@kyleaebischer4607 Жыл бұрын

Hi Marko! For step 4, you say to contribute 15% net income to retirement - does this include employer contributions? E.g. if my employer contributes 8% of my salary, should I only contribute 7% to get to 15% or 15% in addition to the employers 85?

@leahmcdermott4189 Жыл бұрын

Generally, no it doesn’t. That 15% of net income towards retirement is just that. 15% of YOUR income, that doesn’t include what your employer contributes. That’s just a bonus. Dave Ramsey says the same thing for his Baby Step 4 & explains that 15% should be all your income, and the employer contributions is “gravy on top” lol 💕

@FinancialShinanigan Жыл бұрын

Pay yourself first before partying!

@retardedchannel759 Жыл бұрын

Marko, please explain in more details 401k and roth ira balance. You said 15% of your net should go into retirement. Okay, so my employer matches 4% and I contribute 5% so that 9%. That's pretax money, shall I subtract the amount from paycheck and and do the math for roth ira amount that way? Thank you

@brendankacev8349 Жыл бұрын

My biggest outtake that has etched itself in my memory is that time (a few years ago) when you butchered the pronunciation of “gyros”. Can you use it in the next video?

@SensSword Жыл бұрын

God bless you. Instead of giving advice on how to tie nooses and game life insurance, you're fighting for good. I say this as an agnostic who hasn't seen the entire video yet. My advice may be sus. Just doing my part for Al Gore's Rhythm.

@angeluceta5688 Жыл бұрын

Question,I work with my LLC,I max out my Roth ira every year but it's not 15% of my salary.if I'm getting pay under the books,mostly cash,should I be contributing to an sep ira or just put money into a brokage account? since I'm really not benefiting much if nothing at all from a tax deferred ira.

@kyleanderson8834 Жыл бұрын

Marko. Haha this video got hilarious with all your buckets. There’s a HUGE percentage of folks that can’t even pay they’re rent, utilities and food. Haha can’t put a penny in any bucket lol. Thank god that’s not me. We make 160/200k so I find it very helpful haha .

@paulcandle10 Жыл бұрын

Great video! No random arrogant, sarcastic remarks like these newer videos. Just great information and a great presentation like your old videos used to be. More of this! 👍

@nicdulmes9752 Жыл бұрын

Currently my paychecks go into a local bank. Can anyone recommend a national or online bank with automatic saving buckets or money market accounts? Thanks

@TheotisJames Жыл бұрын

One of your buckets is just invested in markers lol

@abnerlouischarles 9 ай бұрын

Where should I put money that I want to invest in myself? A savings account takes too long to transfer to an external account when I'm ready to use it and a normal checking account gets mixed up with all my other expenses.

@emtelikahan Жыл бұрын

Can you go more in detail about what the 'buckets' look like? Are they investment funds, savings accounts, index funds, etc.. ? What has been working best for you?

@WhiteBoardFinance Жыл бұрын

I mentioned in the video that they’re money market accounts

@emtelikahan Жыл бұрын

@@WhiteBoardFinance thanks. Missed that