Fun to watch, good overall advice, and love your channel but as a poor single woman, this couple's lifestyle still seems partly, just partly, wasteful not because of what they spend money on but because of what they don't spend money on. They should be using their resources to consider expat life and learn other languages if they only speak English. Travel in order to find escape real estate around the world and money diversified outside the US. And stop eating all that sugar, a recipe for in insulin resistance, inflammatory conditions, diabetes and Alzheimer's (especially), look at, well you know, aged politicians, they're millionaires but.... What do you do when the power goes out if you're sick, that credit card isn't going to work if you lost a phone connection/internet, and if it's a natural disaster, you're hired help is going to go back to their own family. I was surprised when my therapist said her family stashes up on bullion. Basically if you haven't planned for end of life and you're over 55, you need a strong chain of human support system including outside the US. I know because that's how my family survived WWII.
@johnyracercatКүн бұрын
I know a senior who lives on SS. He gets his SS check and blows it in one week on hotels and drugs. Then he spends 3 weeks living as a homeless man at the shelter until next payday. Sad.
@carakerr4081Күн бұрын
We currently are able to put 1k per month into 401k and investments that’s is 1k total. We plan to retire in 15 years. At that time we plan to purchase a 50k mobile home and pay the lot fee ($700/month). It’s cheaper than home ownership and rent over time. We will have one car and approximately 3k a month in Social Security and 250k saved. ❤I will still be frugal - one car fully paid etc.
@carakerr4081Күн бұрын
We use mint Mobile it’s 15 dollars a month per phone 📞 ❤❤
@carakerr4081Күн бұрын
Thank you for these beautiful videos! God bless! ❤
@iamjane9628Күн бұрын
That couple sounds so much like my husband and me.
@desilivingcanada3668Күн бұрын
I am not 50 yet but like everyone else trying to find side hustle. I found so many ideas but i need to narrow down what can I do?
@miriamgonzalezsiegel6478Күн бұрын
I cut my own hair
@miriamgonzalezsiegel6478Күн бұрын
My friends call me Nettie Green 👍
@barborakopalova4583Күн бұрын
Spoons mystery happens in every household😂❤, last time i found three of them behind the dishwasher Machine.
@Money-Fast-Plan-aКүн бұрын
This video sets an exceptional benchmark! - "Value the journey, for it molds your path to greatness..."
@anniesshenanigans3815Күн бұрын
so what about someone that never contributed/does not have a pension? or two incomes? Or a rental property? None of these tips really help someone that is facing 'retirement' within 5 to 10 years without those things already in place... What is the average age of the people watching your videos? Wouldn't it be better to focus on something doable for that demographic? I do not eat out, I plan meals, I finally have a paid off house and do not carryover credit card debts. As a single person, my adult life has been about staying ahead of poverty. I no longer read because I have had a vision issue, so it's a struggle finding things 'to do' since I used to spend my spare time devouring books. I have a budget that I closely monitor. Had I started with tips like you mention here 20 plus years ago, yes I would be in good shape for retirement, but being single it was never an option, or at the least I did not have the financial sense back then. My journey began about 5 years ago and since I am now 61 I know that I will probably be working for the rest of my life.
@kernlee7Күн бұрын
Your house is wonderful! 💗👏
@EdA-bz3buКүн бұрын
😂😂😂😂😂😂 Are you going to say they never argue or go to bed mad. 😂 Good for them! I am NOT wired that way. AT 51 we have absolutely zero debt and through out our lives we only bought 4 new cars and I get her handy me down used cars and I always work on our cars. We paid off our first house we first bought. At 57 when our kids finish their 4 year degrees (I am an emigrant and a high school drop out) we will have their tuitions paid and we will retire. Current net is $1.6M. counting we “live” till 90 our net at 57 if you count the guaranteed pension, SS, and investmentss our net would be north of $5M. It will keep growing because we always live on half of what we made. Our goal is to figure out how not to leave a tax problem to our kids and hopefully grand kidsssssssss.
@saraconklinfrozenpenniesКүн бұрын
LOL! That's pretty funny. I would bet they've had their share of "discussions"! Congratulations to you! Sounds like you are ROCKSTAR material!
@Paleface3242 күн бұрын
This was so much more interesting than a list of frugal tips!
@saraconklinfrozenpennies2 күн бұрын
Thanks so much! I’m trying 🥰
@anneford59062 күн бұрын
PENSIONS AND 401KS WILL BECOME JUNK
@saraconklinfrozenpennies2 күн бұрын
What?!? Why would you believe this?
@anneford59062 күн бұрын
@@saraconklinfrozenpennies look at prices...they will not be going down...too much money printing...and that won't stop with war
@anneford59062 күн бұрын
Pray and prep
@anneford59062 күн бұрын
Ahhh...couldn't handle the truth...reply deleted
@deannamaureticКүн бұрын
The great taking(book) on how they will do this
@edithcunanan89082 күн бұрын
Good morning SARA, awesome video,great tips.
@saraconklinfrozenpennies2 күн бұрын
Thanks so much and thanks for watching.
@differentperspective41242 күн бұрын
I quit buying things for people who don’t live in my home. Snack food, junk food for the grandkids. Feminine hygiene items, I passed that stage of life years ago! Time to face reality, I don’t need to stockpile, I need to unencumber my life at 73
@rosannabozzofielding81782 күн бұрын
Always so informative! From Ontario Canada 🇨🇦
@bonniedurie30502 күн бұрын
Wonderful!
@saraconklinfrozenpennies2 күн бұрын
Many thanks!
@shehnazahmad52132 күн бұрын
I came across your channel about a month ago. I sub. I am watching from JOHANNESBURG, SOUTH AFRICA 🇿🇦
@saraconklinfrozenpennies2 күн бұрын
Thanks so much for watching!
@sandraboose36862 күн бұрын
What is concidered a small house?
@saraconklinfrozenpennies2 күн бұрын
Gosh, that really does depennd on where you live. For us, here in our town...its under 1200 square feet
@judithhansen-nt9zm2 күн бұрын
Really good video! Thanks.
@saraconklinfrozenpennies2 күн бұрын
Thanks and thanks for watching!
@dtovar22 күн бұрын
I'm enjoying your videos. Frugal living is the path to financial independence. But in my opinion, it's all about balance. May I ask what products you use? (hair, etc.)? Thanks again.
@laundrygoddess42 күн бұрын
If I had a big lunch like that, I wouldn't need dinner
@saraconklinfrozenpennies2 күн бұрын
Me, too!!
@pirateslife4me2 күн бұрын
The older I get the more I'm appreciating good health for all kinds of reasons, including the awesome economy of it!
@saraconklinfrozenpennies2 күн бұрын
YES! Me, too!
@einat16222 күн бұрын
Live below your means and focus on your needs (& wants)- for yourself, not for keeping up with others.
@saraconklinfrozenpennies2 күн бұрын
Love it! Absolutely!
@donnalindsey6112 күн бұрын
🤔😒
@lynnoorman21442 күн бұрын
Irritatingly, here in the UK car parks have started to be 'Card Only'. I always budget with cash! Similarily many supermarkets have 'Card only' checkouts. Sometimes, these are the only ones open as well! Of course i like to pay cash again!
@saraconklinfrozenpennies2 күн бұрын
That is very annoying. I agree!
@rsmaier78062 күн бұрын
Hello from Germany, this does not sound like the 'typical american behaviour' when it comes to consumption, it sounds more like a european/german way of dealing with financials.
@saraconklinfrozenpennies2 күн бұрын
This is interesting. I would love to know more about this!
@laundrygoddess42 күн бұрын
There is nothing typical about an American not in debt and not spending frivolously 😂
@jbalconi99032 күн бұрын
It is typical behavior for Americans who were raised in rural areas where shopping means a daytrip to a city. Purchases are planned and there's a DIY culture that leans toward repair rather than replacement.
@saraconklinfrozenpennies2 күн бұрын
@@jbalconi9903 agree. Im in a small town where any good grocery store or department store is AT LEAST a 20 minute drive. But the cost of living here is so much less!
@rsmaier7806Күн бұрын
@@saraconklinfrozenpennies My impression is that in the US it is much more common to live on credit cards and have debts than in 'old fashion european countries'. People here mainly have debts when they buy houses or aparements not so much for purchases like cars, electronic devises or regular daily needs. I would say that the majority of the people here are debt free or have a value item to cover the debt. Also we think more in the generations. We try to preserve values for the generations to come. The house I am living in and the property has been in my family for many many generations. I guess we value these places more because we do not tend to sell them and because of the history which is connected to them. The village I live in celebrates this year its 1100 years of being registered in the historical books and we all take care of this place and the community.
@cathyeller57222 күн бұрын
I love how she said they only make 100 thousand dollars which isn't much by today's standards. Try doing what they are doing living off of 30 thousand a year then I would be impressed.
@saraconklinfrozenpennies2 күн бұрын
Thanks for the feedback.
@Paleface3242 күн бұрын
She said they were self made millionaires. You probably couldn't do it on anything less. However, you could live better on a smaller income using these ideas.
@GoingGreenMomКүн бұрын
Lol, that's what I was thinking. And I am fine with the idea of paying cash for a trailer, but around here (in trailer making area), renting them out for that much is ridiculous. You would have to own a trailer park, and even trailer parks renting new trailers in high dollar areas only get 1100 dollars a month including lot rent (and lit rent in mine is 601 a month). I bought mine from an estate on December 29th for 5700 dollars because they didn't want it to go to another tax year. It was worth over 16k dollars at about 8 years old.
@dawnwalus65872 күн бұрын
A100K a year isn’t low income mine is at 36k a year.
@cathyeller57222 күн бұрын
I think it's so cute when people making that kind of money are complaining. They have no idea how bad things could and will get. Eating fresh veggies is nice, if you can afford them. My grocery budget for us two is 20.00 a week, we eat out of my stockpile of groceries. There are months that I don't go grocery shopping waiting for a good deal to come along and spend all my 20's I have piled up. This week hamburger is on sale, I'm going to sneak into my pile of savings to buy extra. It is difficult to find a good budgeting channel that isn't for the upper middle class, someone to help you to learn to save the juices off of a pork roast to use for pork noodles. How to scrape the grease that comes to the top off of your boiled chicken to save in the freezer for the grease you need to make biscuits. To boil your ham bone first by itself to get the juice for potato soup, then put it in your beans. Basic things that we don't know how to do until someone stands up and tells you. Of course, we don't have streaming services, we have utube, why waste gas going to the library, no special trips anywhere. Reading books? Hope you have insurance to pay for glasses most of us don't.
@saraconklinfrozenpennies2 күн бұрын
Yes but remember, they are two people with two incomes.
@Shopgirl12 күн бұрын
Mine and hubbys is less than $30k..I’d feel rich if I made $100k
@Shopgirl12 күн бұрын
@@saraconklinfrozenpenniesthat to me is still a good income for two people…considering we make less than $30k as a couple..but with home/cars paid off we live really well compared to most with our income!
@dizzysdoings2 күн бұрын
I like to camp as well. But, I don't need a camper. Depending on where I camp, I'll either camp in my tent (not sure how old it is, but probably at least 20 years), or the cap I just got for my pickup. I don't need fancy.
@saraconklinfrozenpennies2 күн бұрын
I think this is great. I went camping once by myself in my minivan. It was super fun!
@pirateslife4me2 күн бұрын
Yes! Converting my old crv into a Camp-Ready Vehicle this summer!
@pirateslife4me2 күн бұрын
@@dizzysdoings Yes! I have an app called Dyrt that I use to scope out campsites looking for free/cheap 🤗
@dizzysdoings2 күн бұрын
Camping has changed a lot from when I was a kid. It used to be a cheap, family vacation. We have a few campgrounds and a state park around here. Some of them won't allow a tent, not sure what they'd say about me sleeping in the back of my truck. Plus, most of them cost MORE per night than I spent on a motel room on a recent road trip. Got held up in traffic, so I spent the night at a Red Roof Inn. It was pet friendly and the room was really nice.
@saraconklinfrozenpennies2 күн бұрын
@@dizzysdoings Crazy! Here in NY, there are state parks EVERYWHERE! $22 a night :) Tents welcome!
@paisleyhunter2 күн бұрын
My husband and i are in sync with our finances. This is the reason i could retire at 56. I would love a video on what you think of "no spend" challenges? I see the trend is leaning toward no spend years. Do you think it's sustainable?
@saraconklinfrozenpennies2 күн бұрын
Congratulations!! Great accomplishment. I do have a few older videos on no spend challenges. I think it’s motivating and fun to “gamify” not spending money for a clear purpose.
@paisleyhunter2 күн бұрын
@@saraconklinfrozenpennies ill go back and look! Thank you!
@wandahall44352 күн бұрын
❤❤❤😮😮😮😮😅😅😅 Great job Sarah
@saraconklinfrozenpennies2 күн бұрын
Thanks Wanda and thanks for watching. 😊
@mariannem84192 күн бұрын
Smartest budgeting thing I did was to put my credit card on autopay. It forces me to be conscious of my spending. While it's great to occasionally (rarely) treat myself to something beautiful at Bloomingdales, perfectly good jeans at Goodwill cost less than $7, and some are from upscale brands. I don't begrudge food service workers their income, everyone has to earn a living, but I find it very difficult to spend $100 on dinner out. On my budget, a little more than $100 can buy a week's groceries. The biggest surprise for me is that I don't feel like I'm depriving myself.
@saraconklinfrozenpennies2 күн бұрын
Love this!! And I really love autopay too. The less I have to think about the better!
@user-po3lj2ug4w2 күн бұрын
Please remember to get things marked below prices
@saraconklinfrozenpennies2 күн бұрын
100% agree!
@silentnot48122 күн бұрын
Invest as much as possible out of your paycheck. Don’t start low and think you will gradually increase the amount. Do the opposite. Start high and then you can cut back if you truly decide you need to eat. I always invested as much as I could and found other ways to live off the rest. Try investing 15% or higher and not just 2%. Track your net worth. That is better than creating a budget. You will find that you really can live on less once you start to see your assets grow. I watch so many of these “frugal” influencers who rationalize spending money on useless things like the latest kitchen gadgets.
@saraconklinfrozenpennies2 күн бұрын
Such smart advice!
@olderandwiser782 күн бұрын
We read that book when it first came out and it is absolutely a must read. We actually bought several copies to give to family. One point it made was that wealth that is inherited is usually blown by the third generation except for Scottish families. My husband was Scotch Irish and he took thrifty to the extreme. We only had one income and no pension. We got cable in the 1990s after our kids who were still at home paid for it. Our children paid for their own college education and their own weddings. My husband and I got two degrees on our own and our kids proved that they could do it too. All 3 have master's degrees and are very well off by their own ambition. They own large homes (4-6 bedrooms), travel, and can buy anything they really want. Both sons are capable of building and fixing anything. They can do carpentry, plumbing, electrical work, landscaping, gardening and are completely rehabbing their homes. The oldest son's home is on 28 acres and he also owns 3 condos that he rents ( the one he purchased in 2000 right after college and the other 2 were purchased at bank foreclosure) He purchased a home at $100,000 less that original cost and sold at a profit. He also purchased a cabin on 12 acres that he sold at double what he paid. The youngest son has 2 homes, the first of which he rents. The home he lives in is 6 bedrooms and 3-1/2 baths. With 5 kids he has this on the salary of a school teacher. All 3 have substantial savings and retirement investments. My husband and I attained that milestone before the great recession hit. He died just after that which meant that I have been living on social security and IRA money for the past 14 years. The fact that we squirreled away the money when we were young means that I can live comfortably now.
@elizabethsydnor52472 күн бұрын
KZfaq have LOADS of free movies.
@saraconklinfrozenpennies2 күн бұрын
Great tip!
@Shopgirl12 күн бұрын
If u have a smart TV there are tons of free apps for movies and a smart TV has their own channels you can watch..if it weren’t for my hubby wanting all the sports channels and Fox News I would do away with the Dish and just watch the free stuff!
@kathyholland54772 күн бұрын
Live below your means.
@saraconklinfrozenpennies2 күн бұрын
Yes!!
@BSGSVКүн бұрын
This is prime advice.
@lisajohnson41902 күн бұрын
Appreciate this video!
@saraconklinfrozenpennies2 күн бұрын
Thanks so much!
@pamw14902 күн бұрын
Hi Sara, I love your videos! I learn so much from you! I have a question! Could you help me in finding a you tube video about paperwork and how long you keep the documents. I’m talking about how long do you keep credit card statements, insurance statements(car), Comcast statements, utility statements and taxes? Nobody ever answers this question for me. I would truly appreciate your expertise on this matter! I would appreciate any help you can give me. Thank you in advance!🙏🙏
@saraconklinfrozenpennies2 күн бұрын
Hmm. Let me think on this one!
@dizzysdoings2 күн бұрын
Most things can be accessed online, like bank statements. Things like tax returns, etc should be kept for 7 years.
@dora93682 күн бұрын
I keep my utility and Comcast statements once the company shows that my payment was received for that specific month, and once you receive the next months bill verifying that the payment was posted to your account and there is no balance for that month. I hope this makes sense.
@anniesshenanigans3815Күн бұрын
the only documents I keep a hard copy of are ones that would be impossible to obtain online or in person. Which at the moment I cannot think of anything that cannot be, if you file your taxes online, scan your documents to the cloud. I live in Florida, and have seen many people lose everything to hurricanes or fires.. so I learned to scan documents that I thought would be difficult to replace and upload them to the google cloud, which is free. I have some in my tiny safe, that would be easily accessible for my son to have some sort of reference point when I die. Technology has made it so much easier to be a minimalist!!!
@AuntBee1852 күн бұрын
That’s what gets me,he doesn’t do team. It makes it difficult to be frugal.
@saraconklinfrozenpennies2 күн бұрын
I imagine that’s SO HARD! I feel you.
@lisajohnson41902 күн бұрын
True for me also m.
@AuntBee1852 күн бұрын
@@saraconklinfrozenpennies Need tips on how to stay strong and focused in retirement after making all the mistakes and getting discouraged with myself.I do enjoy your energy and hope ,hearing it helps! Thank You! And not getting off track without team player.lol,haven’t figured it out yet.
@cathyeller57222 күн бұрын
Not really if he doesn't do team work, fine do it yourself. Split the bills in half you keep your money separate. If he doesn't work as a team then it isn't a good marriage. Keep money separate be ready for him to walk out on you. I'd start putting money away, he doesn't need to know what you are doing. You can cut back on the grocery bill he won't even notice. Protect yourself and you children first.
@gaelenoconnell-bidabadi2 күн бұрын
Hi Sara! Huge fan of your channel here. I love these types of videos because they are so TRUE, from my experience. The average millionaire, no matter how they got there, is not crazy or super lavish or very flashy nor do they typically drive the type of car you might think they do. They're ALL over the place here in Silicon Valley, where I live, and many of these everyday millionaires are actually quite unassuming and typically, give or take some exceptions and or splurges, live pretty normal lifestyles, you'd honestly never call them out in a crowd based on their looks etc. They're practical, they use their money to invest to make them more money over time, they don't burn that money and protect themselves for retirement, protect their kids, to save for a rainy day as they age and may face an emergency or even invest in experiences, rather than spending it on material things that don't matter on superficial levels. They don't always retire early or right away, they know cars are depreciating assets so they don't get car loans or buy the latest and greatest models, often they don't buy the biggest and newest house on the block...esp. if the millionaire status you are referencing includes real estate investments in pricey areas. But a house might be some or fully paid off and they save for fixes in advance, if or when they can. Thank you for covering this important concept that people who have true honest wealth don't need to always flaunt it or try to buy things to look better than they are or compete with strangers or prove anything to anyone. They're actually probably just likely often confident in themselves and their basic and stable finances, so they have no need whatsoever to prove anything to anyone.
@saraconklinfrozenpennies2 күн бұрын
I couldn’t have said it better. Even here in my small town, I know these people. Thanks for watching!
@gaelenoconnell-bidabadi2 күн бұрын
@@saraconklinfrozenpennies Oh thank you Sara, and please keep up the good work. I always look forward to your videos, they give me joy and peace and great tips I like to try. I hope you and your family are well and having an great Summer. And, as I have mentioned before, your current hair style and glasses look like a great style for you!
@saraconklinfrozenpennies2 күн бұрын
Grab The FREE Budget Planner here! frozenpennies.lpages.co/budget-planner-freebie/
@livingmybestlife96972 күн бұрын
Great tips❤
@saraconklinfrozenpennies2 күн бұрын
Thank you!!
@JeanneNaser-xt1hs2 күн бұрын
Hi Sara. I really enjoyed this video. It was very uplifting and encouraging, great job!! Jeannie
@saraconklinfrozenpenniesКүн бұрын
Thank you so much!
@melindareyes71283 күн бұрын
I'm only in my 40s and most of what you mentioned am already there. I can care less what anyone thinks either.