A Minimalist Approach to Personal Finance

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  • ℹ️ Description

There’s a basic formula to win at personal finance. And it’s this… Make more money than you spend. In practice it’s not that easy. In the real world our money slips through our fingers. No matter how much we make our bank account seems to have its own agenda.

In this video I breakdown common myths, pressures & misconceptions about money and how to manage it.

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💬 Comments on the video

Hey everybody! I'm making a course on habit change (it's my first one and it's going to be awesome). There will be lots of videos, silly jokes, & most of all actionable steps to make any habit stick.

Author — Matt D'Avella


This isn’t minimalism is it? Isn’t it just sensible?

Author — Dale Berry


1. Drop the stuck up competitive " friends"
2. Set real goals and do one step at a time
3. Just go do it and don't tell anyone until it's done

Author — Svetla Nikolova


Why is American education so expensive??? Everytime I hear about an American and their student debt I get anxiety.

Author — Asief Dhansay


Very fortunate situation you were presented with.
Not many people have the luxury of moving back in after college to pay off their student loans. Many people are on their own at 22, with 100k in student loan debt. If you are this latter group, its alright. Keep your head up, and fight through it one day at a time.

Author — Amos Adapts


“We buy things we don’t need, to impress people we don’t like with money we don’t have”

Author — jwcfree Tv


Another awesome book I'd recommend: "The Millionaire Next Door"

Author — AuthenTech - Ben Schmanke


"You deserve to be debt free". That should pop up every time I log into Amazon!

Author — Jennifer Heyden


A really good video, I think ladies show watch these kinds of videos more. Material possessions cant guarantee you financial stability instead it takes from what you have, investing or learning a skill can ensure you a life of financial independence.

Author — Racheal Jones


Make as much money as possible. Spend as little as possible. Invest a lot of what is left. Repeat as often as possible, for as long as possible.

Author — Lughnerson


My personal rule #1 is don't confuse what you want with what you truly need. It's amazing how much stuff never makes the cut when you do this.

Author — Weeper Man


growing up dirt poor teaches you these lessons

Author — mattbandz47


Eat 2 meals(or even 1)per day while intermittent fasting. No fast food or processed crap.
Take cold showers.
Open a window for light instead of turning lights on.
Don't drink sugar drinks or smoke cigarettes.
Consider a bicycle for local travel.

Author — Butter Johnson


Best short book to read is 'The richest man in Babylon'.

Author — David D


My rule is that “if you can’t afford to pay for it with cash you can’t afford it”. I do own a credit card, but it has a zero balance. I use it to pay bills only and pay it off at the end of the month. A great credit score is a good thing to have.

Author — Scott D


My father was born in 1926 and grew up during the Great Depression. He told me as a child, whenever he earned enough money from his paper route he would go to the bank and trade his change in for a dollar bill. When he got home from the bank he would borrow his mother’s clothing iron and carefully iron the dollar and then put it in a safe place to keep.

We were lower middle class growing up and I never had name brand anything; I didn’t even know what name brands were. My parents were savers, with 5 kids to feed and we wasted nothing. I remember my sisters making their own prom dresses with our mother. I remember riding with my father to the dairy farm to pick up milk with seven 1-gallon jugs. I remember planting our gardens in the spring.

My parents understood the value of a dollar and bequeathed that knowledge to me, for which I’m eternally grateful.

I’m 53 years old now and have lived below my means for my entire life. I’m proud to say I now have a net worth of nearly 1million dollars and expect to live comfortably in retirement. Not bad for a lower middle class kid starting with nothing.

Author — pstratt


I use two checking accounts and one savings. One checking account is for bills while the other is reserved for misc. spending (gas, groceries, eating out, and other non-recurring expenses).

Every week I put $150 in the misc. account and if I have a surplus at the end of the week I just add another $150 to that. If car maintenance or other unforeseen expenses come up I typically have money to pay for them without touching my savings and I know I’m spending exactly $600/month.

Hope this helps someone!

Author — Trey Harrell


I live in Egypt where most of available jobs even for collage grads pays less than 2usd per hour, saving money is not the issue, making it is.



As an Asian, I was taught these growing up. I usually save more than 60% of my income. I once lived on 25% of my income. Mind you I didn't earn much. Roughly $1500 a month then.

Author — frenchfrete


"The Millionaire Nextdoor" talks about one millionaire who's reward for a goal was renting a video, making popcorn and enjoying the evening with his wife.

Author — Neil LaDow