9 Things To Stop Spending On By 30
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- Опубликовано: 9 июл 2024
- In this video, Chelsea talks through several things everyone should learn to stop wasting money on after 30, from cheap alcohol to sad desk lunches to cringey fast fashion.
Alcohol statistics: www.nih.gov/news-events/news-...
www.theatlantic.com/magazine/...
Beauty subscriptions: secondmeasure.com/datapoints/...
Beauty waste: www.beatthemicrobead.org/plas...
Wedding guest costs: www.theknot.com/content/weddi...
Lunch spending: usa.visa.com/visa-everywhere/...
Cost per use video: • The Best Piece of Mone...
Fast fashion microseasons: / the-effects-of-the-52-...
Instagram video: • 6 Ways Instagram Is Ma...
Instagram effect on travel: forevervacation.com/the-vacat...
Chelsea ticket story: • Everything I Learned W...
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I'm blown away by the "5 week average shelf life" of fast fashion items in people's closets. I've rarely been able to afford anything other than fast fashion, but that sh*t lasts me years?? In fact I'm currently wearing a f21 coat I've had for 8 years, an h&m top I've had for 5 years, and a pair of Shein pants I've had for 2 years. Sure, I have to wash on cold/gentle and line dry all my clothes, but the idea that someone would just chuck a piece of clothing after a few weeks because its "cheap" is crazy to me. Makes me wonder if this is largely tied to influencers chasing trends or have people always been this quick to throw away "cheap" clothing?
I know! I don’t buy fast fashion anymore because I WFH but I still have a F21 blouse from 6 years ago lol
I have a leather biker jacket that's almost as old as I am (30+) and it looks as good as ever - doesn't fit me that well any longer but I just don't zip it :D
I'm amazed by that stat too. I buy fairly cheap clothes and wear them for years. If I buy something and then only wear it once or twice, I take that as a lesson to NOT buy things I'm not fully convinced by in the future.
I think people have been getting worst about it. The amount of fast fashion was always trending up but due to all the micro trends and cheap prices, easy shipping, people just started accelerating their consumption. That’s the double edged sword of affordability, anything that’s accessible to lower income people will be exploited by those with higher incomes. Their increased ability to afford it means they buy more and more.
I don’t line-dry anything (although I do use cold water to wash clothes), and my fast fashion items last years too!
1:31 Cheap Alcohol
4:23 Trendy Makeup
6:39 Weddings
8:47 Office Coffees/Lunches
10:33 Fast Fashion
14:33 Instagram Travel Destinations
16:22 Parking/Speeding Tickets
18:53 Drunk Food
22:19 Impulsive Target Purchases
Thank you. 🤍 My wish for you is to never experience a migraine for the rest of your life.😊
I was reading down the list going "ok cool, yes, good, agreed" then got to the last one and went "DAMMIT" cause I just got back from Target lol
queen
Thank you for this!!
May all your wishes come true ✨
One thing I love about being in my 30s is that my wardrobe is made up of clothes that look good on me rather than what’s fashionable.
I’m heading into my 40s and my wardrobe looks good on me but most importantly it’s comfortable
Yeah I get a ton of compliments now that I spend $100-$150 on JUST a shirt
Honestly, as problematic as "What Not to Wear" as a concept is, it taught me that staple pieces that will look good on you now and next year and 10 years from now (and will still be around 10 years from now because they're quality made and you care for them properly) is one of the best lessons I learned in my TEENS! Boot leg denim looks good on me... I never joined my peers on the skinny jean trend. When I decided I liked leggings with cute sweaters or under dresses in place of tights because they're easier to put on, I invested in $40 leggings and I take care of them... 6 years later, they all still look gently worn despite heavy wearing. I spent a couple hundred on 8 pairs of leggings that have served me 6 years so far whereas so many friends would purchase 8-10 pairs a year at $10 each because they'd literally fall apart in the wash.
I'm actually beginning to completely convert my wardrobe to entirely handmade where possible as existing items wear out or I fall out of love with them (passing them on to someone else.) Handknit sweaters, hand sewn skirts, made for me dresses, and I am SO EXCITED! Before I'm 40 I hope to have a wardrobe I'm completely enamored with, that fits me perfectly, and will ultimately be less expensive than buying pre made items when the hours of entertainment for all that knitting and sewing is factored in as well.
I love that now that I’m in my 30’s, and more financially stable, I can invest in sustainable, ethically produced clothing brands.
That, and sh!t that's just reeeeeal comfy cuz I don't gaf as much! Lol!
just as a note, fast fashion is not always necessarily “cheap” f21 and h&m clothes. buying a more expensive item does not mean that it was made any more ethically. the important thing to remember is to be more discerning and mindful with your purchases. if someone can afford a $500 reformation dress good for them, but a $20 dollar dress is fine too if you wear it and dont treat it as disposable.
And a lot of expensive stuff is just as bad for the planet! People need to do more research before buying from companies.
Have to agree. I have dresses from Loft, F21 that have held up for years and expensive $500+ dresses where the sticking completely came undone and it’s never even been through the wash only dry cleaned
Yes! Consuming less overall is still more sustainable than a haul from some company with a vague sustainability statement. There are many brand that are still fast fashion even though the price tag suggest otherwise. Once you learn how to identify well-made clothes, you're appalled at the prices some brands try to charge for stuff that will unravel after two washes!
@@Julia-pg1gw same, I feel like people will usually just have a really hard time not buying just for the sake of buying, also I can’t with people that don’t know how to look for good material (for example hm has a fifty fifty thing when half of the products are made by an affiliate firm and the other by them-usually their own manufacturer has better material and it’s not like it’s hidden way, it’s on the tag - This is in Europe, idk about The USA)
Completely agree. I’ve had a cute red top from H&M for years now and I love it just as much now as I did then That’s because I don’t buy things unless I see myself actually using it cuz I hate clutter and wasting money
I remember in my early 20s I ended up upsetting some close friends because I refused to fly to Chicago on a days notice for an impromptu “bachelorette party” (not including hotel + food costs). I just didn’t have enough money for it. Friends response? “Oh, just drive 8 hours instead!” It was a bit of a wake up call for me.
Wow! Those are not true friends.
This is funny to me because I’m from the Midwest, and driving 8 hours to Chicago is way more reasonable to a lot of people here than flying 😂
Are you still friends w those ppl?
Its just so bad when people force you to do stuff that costs you out of your pocket. Let alone spending your time unwillingly on something. A lot of times our bodies can't take so much and saying no should always be an option. In India, when people invite someone from out of town its common practice for hosts to offer for staying and food expenses. A bit of understanding is needed from both sides too. Most guests will gladly accept whatever the host can afford to provide.
@@ceciliarevuelta1495 No, definitely not! I started to realize after that I was putting a lot of time and energy into people who didn’t reciprocate, and it was basically making me into a doormat. It was eye opening to when I stopped reaching out to people and just…never heard from them again. To make a long story short, I started going to therapy, got better with boundaries, and almost a decade later have a lot of healthier friendships because of it. 😊
Turns out not being very social saves me a lot of money. 31 and never invited to a wedding outside of my family 😅
Although my book collection and home decor can really do some financial damage
Makes two of us lol
Here's to three, I'm 32 and the only wedding I've been to in the last ten years was my cousin's.
Same. I think I've been to 4 weddings total in my entire life as a guest. One was on Zoom.
And I'm 39. Never been in a wedding either.
I think books are a good thing to spend money on, lol. I don't buy fast fashion or the latest gadget, but I love my books. In my mind, books are a thing, but they're also an experience.
Yeah, really bugged me when she said most of us get invited to a few weddings per year. Maybe that's the case for extraordinarily social people, not for the average person
People often forget that all bad choices like junk food, impulsive purchases, etc. are caused by some emotional burnout and that's not so easy to stop doing this. The only way out I've found is to find a good therapist and work on mental health.
RUclips is my only social media source, never realized how much not being connected has saved me financially.
A life changing moment for me happened to me at Target. I had a hand basket of stuff I wanted to buy but started to get stressed out because it was so crowded in the check out area. I looked in the basket and thought "Do I NEED any of this?" and the answer was no. I put it all back and left. I threw my arms up and exclaimed, "I didn't buy anything!" as I left the store.
Lol whoever comes up with marketing for Target deserves a raise Truly I have no idea how they manage to get us like they do They have all the trendy stuff and their own brands 🙈
Me too.
Good on you for putting the stuff back.
One comment about the lunch thing - if you went into a high stress but high pay line of work, 3k a year could easily be worth the additional time and stress of meal preparation. Not saying that the occasional leftovers or sandwich from home are a bad thing, but spending on reducing stress and outsourcing additional labour can be well worth the money. 3k a year if you make 40k is a lot, but if you make 100k, it's the difference between getting a nicer car or house or buying lunch. Which actually makes you happier on a day to day basis?
Yeah ikr. I thought the same. Unless you're on a specifically tight budget and need to save that spare 3k, I think it's alright to spend that much on lunches in a year
I don't disagree with what you are saying here. From childhood until today I have spent money on lunches (as a child allowance for household chores was my lunch money. Mom was always of the opinion "make your lunch and take it to school, otherwise pay for it out of your allowance". And before anyone thinks "well, that's your parents' money" it was wages for work--I'm an only child which meant that all the household maintenance was mine to do from age 8. I'm not trying to cast myself as Cinderella, I believe children should do household chores. I'm just saying I had a lot to do.). Anyway, I digress. I just preferred the taste and relative freshness of a purchased lunch than whatever soggy cold sandwich or reheated leftovers I could bring from home. Money well spent, IMHO.
@@allisonwade4840 exactly. Food goes in your body and is an important part of physical and emotional health. Not the place to cut corners. I don't drink, but when I'm very stressed at work and need a break from my desk i walk and grab a coffee. It's definitely worth the money.
I think another important part of her point was that maybe the convenient meal you're eating out isn't that healthy, like her latte and muffin example. The 5 minutes it takes to prep a sandwhich or salad is actually more valuable to me than the 5 minute walk/drive to fast food or the 30 minute wait for a healthier lunch. And not feeling like your body is falling apart definitely does impact how happy you feel day to day.
@@katiebeth8825 that's not really an accurate summary since making a sandwich also involves the time spent meal prepping, the grocery shopping etc. Plus, health is more than just physical health, it's mental and emotional as well. Getting away from work to eat and take a break can be much healthier than eating at your desk.
The “working girl sedentary desk for 10 hours a day” statement is too real. 😭
I do the gift card for Starbucks. I call it my Coffee Allowance and I put a certain amount every two weeks (payday). It helps me budget and keeps me from overspending on food items that I think I am hungry for but actually it looks in the display case.
That's really smart. I think I might start doing that.
Yeah I have been doing this since college- loading my Starbucks card and when it’s gone it’s gone.
Next video idea: “things you did in your 20s to save money, that you stopped doing in your 30s, that you should start doing again.”
Love this!! Like going back to your poor college days
oh, yes!! I think about this often. I used to spend close to nothing and have the greatest time. I should start reviving those life hacks!
Honestly yes!
Yes! I feel like all financial advice is just 'go back to how you spent before you made anything significant'
Yes!! I was so cheap in my early twenties, but now that I’m a wife and mom I splurge way too much on take-out 😭
Here is a voice from your futures, my now. I am almost (not quite!) 10 years older than Chelsea. My husband and I went from being pretty poor and in massive student debt in my 20s to being debt free, child free and really happy and comfortable at 40. I promise that 80% of that transition came from choosing to stop wasting money and not doing what everyone else is doing - So: great video! I can confirm, this stuff works. (PS the other 20% came from always always saying yes when one of us got offered a better job and being willing and brave enough to move around to take better jobs)
I just entered my 30s and this is the exact trajectory / overarching goals my partner and I are aiming for. Hoping to have your present be my future at 40.
Ever since the pandemic I’ve started doing Target drive-up orders and I like to think it’s saved me money! If nothing else, it has stopped me from buying $25 worth of their bargain items every time!
This is smart I’m going to start doing this. I typically don’t make a list I just go inside to see “what I need” and definitely leave with a $200-300 shopping spree with only like 5 things
The Target in the United States must be much better than the ones we had briefly in Canada, which did not do well at all. We saw it as an overpriced Walt Mart.
This is suuuuuch a good idea
I'm in the second half of my twenties and have definitely stopped buying fast fashion. The items I still have are items I have owned since my teens. They still fit and are wearable, so I still own them. The newer clothes are all second hand, made by mom, or from higher end stores. With my next move more old clothes are going, and a corner where I can make my own stuff will exist.
I just turned 35 this past summer and have decided to start transitioning to a wardrobe that's almost exclusively handmade items custom fitted to me and I am SO EXCITED! The joy and entertainment of the making coupled with years of enjoyment from the wearing... so easily justifies the cost of quality yarn and fabric for yummy sweaters, socks, skirts, dresses, and so much more. Undergarments, athletic socks, leggings, and bathing suits are likely the only items that will still be premade.
I have always just bought clothes I can afford. I also don't like shopping and do it only when necessary, my mom often had to try to convince me go buy something for weeks until I agreed. When I was a child and a teen, even most "fast fashion" brands seemed like something too expensive and luxurious to buy
Same. I just had to throw out one if the last pairs of jeans I bought in 10th grade.
@Sonic Hedgehog it's clothing from places like Boohoo and Shein
@@Animefreak242 but also forever 21, Zara, H&M, hilfiger, etc. It’s not only the obvious ones that ship directly from China, but all the other ones that throw out collection after collection in a year. If something isn’t “fast fashion” you’ll most likely notice because of certain fair fashion labels and certificates and the price. So if some big chain doesn’t have that, it’s probably neither fair nor environmentally friendly produced or slow fashion.
Pro tip: If you make your fashion story taking the ugliest and unfashionable blazers and combining them with gaudy patterned shirts in a seizure-inducing outfit-you don't have to worry about being in style because it was never in style. Worked for me.
I need to see this!!
You know what, there is nothing I love more than seeing interesting people. I may not get it, it may offend my notions of fashionability, but I am nevertheless enthralled.
I genuinely love wearing things that aren't particularly fashionable or an old style. It's fun and unique and not exactly out of fashion.
My hero.
Photo please!
My no shame drunk food: 3 am instant ramen, add some frozen veggies in the soup and eat it. You'll be set for a good night's (whatever is left of it) sleep, and minimum hangover. Drink all the soup. If it's spicy, even better.
Also add an egg in there 👌👌👌
A note on young drivers: I've always had issues with the generalizations of young drivers because it directly affects insurance rates. When I was 18-24 , I had to pay $400 a month for the cheapest strict liability insurance on a cheap sedan I payed $500 for. I'm now 37 years old and I pay about that much for 6 months of extended full coverage for a car and 2 motorcycles. The overwhelming majority of dumb young drivers are on their parents insurance. Those of us who don't have that privilege are who actually pay for it. I asked my insurance company what the statistics are on accidents on young drivers that actually pay their own insurance, and they said they don't actually collect that information. I call BS. They just like having a reason to price gouge less privileged youth.
Yeah there is a reason my parents insure the car and not me, the numbers are just insane!
Same in the UK too, the statistics show that older people have more accidents!
No kidding
I'm 51 and I absolutely disagree with you on the alcohol topic. Here in Germany 0.7l of 37.5% no name vodka are 5€ and the 2 nd cheapest hard liquor in the supermarkets. Thats the only alcohol I am buying for myself.
When I feel the need for a sip, I 'll take it. But I 'll never get drunk "because the drink tasted so good". There is no chance to impress others with sharing my bottle, so less social pressure to drink. I feel financially secure because even I could(!) afford to drown sadness or such.
I wouldn't know what spending more could change, besides keeping me poorer.
Statistically, young people are only SLIGHTLY more likely to get in an accident. But they are significantly more likely to get in a SEVERE accident. Especially young men. Mostly due to alcohol. Too bad they didn’t have one of those safe driving trackers when you were younger.
i hate going to group work lunches. often my colleagues would go to a place that costs like 20-30 per plate. while im used to maybe only under 10 per plate. and if you don't go you look like "not a team player". and some people would do this as students. i was like hell no.
That flex of "group work lunches" is really always about cliques and mean girls and who's included and who is not. If it's a real "work lunch" then the company should pay for it. If not, I'm not going
@@allisonwade4840 its not a true business lunch. its spending lunch with coworkers. i recall going to one at a buffet. and people still wanted to get back within the hour which meant the buffet couldn't be enjoyed and no one talked to anyone as everyone was busy getting the food.
as en ex-h&m worker, the thing about h&m they have every quality available, from the most easy to rip, to can last for years. hence the variety of prices. you just need to clever in order to assess every garment you see before you spend it on counter (feeling the material, reading the label, understanding the trend whether its seasonal or can wear it forever without feeling out of style, know how to mix match with your own style, etc).
I had a h&m skirt that I wore almost every day between September and March for 10 years then resold once I couldn't fit into it any more
Yep yep, the underwear and classic-work-woman section usually has pretty good quality stuff
Agreed I have a h&m jumper that I absolutely love and wear every winter x
It'd be great if there was a similar video geared more towards very low income people, maybe via interviewing someone with experience supporting a family through poverty. This advice is really only applicable to people who are in a relatively safe place financially, who have the option of vacations and the free time for partying and drinking. It'd be great to see more content for those who don't have excess expendatures like this to cut out and are down to essentials and looking to get creative on how to make money stretch in survival mode. Nowadays because smartphones are cheaper than they used to be and youtube can be accessed while multitasking, people in dire financial situations do access this stuff. I work 60+hrs a week and am supporting a chronically ill person who's medical expenses are high and can't currently do most household tasks, and I consume media pretty much exclusively in the mornings while getting ready for work or while cleaning the house. I don't usually comment on youtube videos but this instilled a really strong feeling of class frustration in me, and I wanted to turn that emotion into something more constructive by saying like, it would be awesome if your channel could include some content for those of us who are in much tighter situations and have to be careful and clever to survive, or even include in that priviledge check some direction towards other videos or other channels that are more applicable to those in less privileged situations.
Yes, speak about those who shop only Rainbow fashion not high end like Nordstrom
If you haven’t checked out budget bytes please do! I checked it out assuming it to be behind a paywall but its free and is genuinely going to be very life changing for my siblings and I (we are in need of cheap meal options other than pasta and chicken breast all day everyday), sending love from Mexico!
The gift card hack is everything.
I’m 28 and I feel like some of these things have just dramatically increased my well-being, I don’t drink cheap alcohol so I don’t have horrible hangovers, I don’t buy fast fashion so I have a bit more of a budget for actually good clothes that last. I’ve never used Instagram for travel but I feel like the Instagramable places are always super packed and pricey for no good reason…
Most of my H&M purchases are more classic or basic in style and I've had them for years. Maybe around 6 years now? So, if we do this and only buy things at these "cheap" stores that actually feel like they'll fit us over time, and aren't in a style of a temporary fashion trend, these stores aren't as bad as they are often spoken about.
I agree, I mostly own fast fashion, most items are between 5 and 10 years old, and I've never had something "fall apart" as I often hear
I think this is a great point! But also really worth considering the workers who make the clothes and their rights. Will they be paid fairly if the top we buy is £5? Will they have basic decent working conditions?
Their environmental impact is bad, though. Because of H&M's "micro seasons" (even if you do keep the clothes for years--which I agree that most fast fashion actually lasts several years), much of what they have in stores gets thrown away if it doesn't sell. Not to mention *where* and *how* the products are made. H&M isn't the only clothing giant guilty of this, of course, but I think it's important to be aware of. Their model is very much make-take-waste.
I have several fast fashion items that were purchased second hand. Some of them don't survive 3 washes, but some hold up surprisingly well
me too
On drunk food: buy slow cooker (literally
My partner and I constantly have frozen chicken nuggets and onion rings in the freezer that we basically only touch when we get home from nights out. We drink a pint or two of water each while they cook, watch an episode of the office while we sober up a bit then eat before bed. Really helps us feel better in the morning.
Don’t hate too much on glossier 🥺 It’s good at what it commits to being: slight, natural-appearing adjustments. Heavier coverage or punchier color does not necessarily equate to quality and it may not be a good fit for the needs of the wearer.
European kebab at 3am is the best drunk food. I still remember my first 3am kebab in Poland over 10 years ago. God bless the late night kebab stands
Duuude!! I was in Vienna and I couldn't ever get tired of Falafel either.
I would only ever consume a kebab drunk and past midnight ♥ and then it is bliss. But I also only had like one since graduating from uni like 3 years ago. Helps keep it special imo
(also - is it really only a European thing? We used to call Paris the international capital of the kebab ahhahaha)
Kebab for breakfast at 6 a.m. after the nights out in Berlin, such good memories...
Agree with everything. Me and my husband took a flight to his "best high school buddy" wedding to this summer, and stayed there for an couple days. After doing a math of the trip we ended up with whooping almost $3000! Neither of us realized how much money we spent - flights, hotel, rental car, ubers, dinners. Honestly, I almost cried when I realized the amount of money I personally wasted over there. And although wedding was gorgeous , it was a huge waste of money . We literally threw away a whole vacation budget just to hang out with people we barely knew. Guess who didn’t go to vacation this year....So yeah, from now on, I pass on all weddings and do a strict budgeting.
Yes. I have spent so much on travel. It's so much. I have to now pay it off and be better in the future.
We should all learn to save our travel money for our own vacations, going to places we want to go and doing things we want to do, not on other people's priorities.
Me and bf tried to make a vacation out of a wedding trip but we didn't do any research. I ended up getting sick and we just stayed in the Airbnb with no plans. I wish we had thought it through.
I always start these videos like, "come on, time to take your medicine" and then I just enjoy them! They're always packed with novel ideas and it's never the same regurgitated stuff they seem to do on other finance channels! Thank you for making me more responsible!!
glossier shade. love it. literally you can achieve that "glossier look" using a barely pigmented drugstore product lol
Same! Elf clear brow gel = Glossier's boy brow IMHO
Plus it's way cheaper!
im sorry but that isnt true as someone who wated a shit more money trying to find stuff that worked as well. i soent more money than i would had i just bought the glossier again
An expensive car is the worst thing to waste money on in your 20s
The chip shortage is driving up the price of used cars and I hate it lol
@@maxwellcharles640 can you help me understand the relationship between those
@@iamalwayscheckedinchess2206 cars have been having exponentially increasing amount of electronics since the last decade for example the entertainment system, engine control system, driver assistance system ,etc. So when there is a huge silicon shortage, that indirectly drives up prices of items which have electronics in them like TV's , cars, and even refrigerators and washing machines
I can attest to this
I just discovered your videos last week. I'm older than most of your audience (at 57) but really appreciate the topics you cover and the way you present information. I will now be sharing your videos with my younger friends and family - they need to be hearing YOU, not only 'social media influencers' who make money by trying to get them to part with their money! Money can't buy happiness...but being in control of your money (and your life) can get you closer to it.
Well said! I always tell my sister money cannot buy happiness, but it can buy you a better quality of life, so spend whatever you have wisely. Quality of life can be measurable like owning a home, having a backyard for your dogs to run around, post-secondary education, and insurance, but happiness is not measured the same. I am a broke college student always looking for work, while suffering an injury as of 2020. Yeah, life is not easy, but I KNOW I am happy right now and I try every day not to take that feeling for granted. No money cannot buy me happiness, but if I had x amount more I could afford a doctors visit sooner, or vacuum cleaner-measurable things that allow me to have a better life/experience.
Yes, so true!!
I gotta say hard disagree on cheap alcohol. I recently discovered they sell wine at Aldi in my state, and it is like $3. It’s great. I’m 29 btw. If you don’t notice a superiority in expensive alcohol, keep buying cheap stuff. (Given you are not at risk of binge drinking or alcoholism.)
Yeah, buying less alcohol doesn't mean you need to upgrade to something more expensive.
I actually like some of the $8 - $10 wine better than the $30 - $50 wine. So I just have to monitor my consumption. I try to keep it about 3 - 4 glasses of wine per week (5 - 6 oz pour).
I actually sort of do agree with Chelsea on that, but didn't she also list expensive wines when she was talking about lifestyle inflation one time? As in if you enjoy the cheap wine, don't bother trying to "upgrade", especially if it's an acquired taste, when you're happy enough with the more affordable version. Idk I could be misremembering 🤔
I think her point would come across better if she emphasized the quantity over quality mindset.
Thank goodness Chelsea didn't say anything about ordering heavy metal band shirts and vinyl records from Russia, I'm safe.
Ps. listen to Эпидемия & Ангел-Хранитель
No that’s how you stay young, treat yourself lmao
This is coming from a vinyl snob so take with a grain of salt 🥴
.... Or Germany, Sweden and Finland 😂
The financial advice aside, I *really* appreciate Chelsea highlighting the terrible environmental issues associated with certain types of habits (fast fashion, cheap cosmetics, etc.). Thank you Chelsea!!
When Chelsea mentions the IGs and YTers who post about going to places like Hawaii, South America, Bali or other dreamy tourist destinations they fail to mention that they are already rich, getting sponsored, that mommy and daddy, or their trust fund, is paying for all of it. They never mention the cost of living, you never see them working. There was a pretty good video about it along the lines of You're Not Enlightened, You're Just Privileged.
If anyone has the link I would appreciate it!
@@kipofan7484 Off the mark on the title a bit "You didn't manifest being rich, you're just privileged' ruclips.net/video/ePIZBz0fFgU/видео.html Dang how the text on the thumbnail gets on my nerves: Poor = Bad Money Mindset 😡. So easy to say that when you have never had to face hard financial struggles. To them 'hard times' are not going to a five star restaurant for dinner one Saturday.
Yeah, I hate that pressure, mostly because of the pretense of “enlightenment” people claim to get from these trips. Not really true in my estimation.
First of all, they are all going to popular locations, and mostly sticking to places where enough other tourists have gone that their lack of language isn’t a problem and where most of the experience is subtly curated to seem authentic while appealing to Western ideas of taste, comfort, and style. The locals aren’t necessarily doing those things. They probably laugh at the Instagram Americans for thinking they’re experiencing the real deal by going to the same “authentic” places everyone’s been going to. I can’t imagine what Japanese people think about Americans who think posh Americanized shopping, restaurants and entertainment centers are what most normal Japanese people do. Or any other culture.
Second, there are much more eye-opening experiences to be had in America. Driving through the rural south would be extremely eye-popping to most urban Americans. Even failing that, a road trip is by nature mind expanding simply for getting outside of your rich urban enclave and seeing the United States. Go see national parks and historic sites here. Go camping in a tent. Hike. Do things you don’t do much and you’ll see just how much you don’t know about America.
The thought of throwing out 82 pounds of clothes in a year sounds unbelievable to me. I can't believe some people are that wasteful.
Yeah! I doubt I even own 82 lbs of clothing! 👀
throwing out? or donating?
I love the "you are all angels," comment. Cuz there's always gotta be the "not ME," person
I'm very lucky - really healthy lunches are provided for free everyday at work. I enjoyed meal prepping before but the salads are delicious and deliciously free 😅
23 year old here. 99.999% sure I don’t want kids. Appreciate your honesty about that subject especially because people like to patronize women who say it out loud. Would love a vid talking about that choice if you are comfortable with it!
PSA: If you're in the States and have healthcare through the marketplace, surgical sterilization is covered as birth control
Agreed 👍 and it doesn't mean that you are selfish either. Live your truth
There are a few videos where she talks at length about it, but yeah I am not sure if there is a video dedicated to it. I could be mistaken, even as a weekly viewer I am not sure myself.
Everyone tells me “you will change your mind,” and I just stare back at them. What makes YOU think I WILL change my mind? And even if I do, so what? Minds change, but at the same time listen to my the decision I am making now! I am a single college student, so why am I already getting pressure about kids yaknow?
@@borkbork4124 Isn't it funny how everyone takes ownership and personal interest of the reproductive choices of other women? I've never heard a male report this kind of pressure, except maybe from his mother who wants grandchildren. Usually that pressure evaporates once anyone in the family produces a grandchild.
"Be your own fairy godmother"
I can't tell you how many times I cursed my past self before (sometimes) actually taking care of future me.
Honestly, one of the biggest things that kept me buying fast fashion for so long was living in crappy apartments without a washer and dryer. Now I’m an old lady with my own machines and I need far fewer items of clothing because I can wash them whenever I want instead of planning trips to the laundromat around work/appointments/errands/peak hours/etc.
The instagram travel thing is wild to me because I have had a list I started when I was young of places I wanted to go and I am knocking them off one by one. It's very fulfilling to know I am somewhere that I wanted to go desperately when I was 12.
During high school I was told by many people that I act like grumpy elderly woman - don't curse, don't sleep around, buy everything in sale, alcohol occasionally and hate spending money on unnecessary items. Now in my 20s and I'm super glad that I started with those habits so early, even when it was back then from different reasons (not having money, poor family). Now I CAN buy barely everything I want, but it's not necessary so I'm happy without it :)
I'm 40 but am watching this to see if there's anything I've missed 😆
The biggest difference between me drinking in my 20s and now in my 30s (aside from drinking a lot less frequently) is that now I can afford it and know what I like. So I keep my good booze hidden away in my cabinets for myself and roll with the yellowtail or other mid-tier liquors when I decide to go to a house party or have people over. 😄
You serve gas station level wine to your friends and hide the good stuff from them? I'm the opposite- I get slightly nicer stuff if I'm going to be sharing!
I can’t imagine booking a vacation somewhere because it looks good on Instagram. Do people really do that??
Yup people do, I’m going back to my home state of Hawaii and I hear people go oh I saw this place or that place (some popular spot) on Instagram are you going there and I’m over here thinking TF I just said I’m going back home not because I saw it on Instagram 🤦♀️
I know right? So weird
Yes and they complain when the trip there doesn't match the curated pics they saw
some fast fashion items that I used for years, look ok because:
- I take care how I wash the pieces, usually in a wash bag;
- take care about not producing unnecesary wrinkles/ dry things on a line drier
- have a lint cleaner
Your late teens and twenties are the best time to recognize your spending strengths/weaknesses and experiment with better habits to build on. I love these points that you bring up; especially the idea of being your own future fairy godmother hehe!
I turned 25 this year and have committed to no more fast fashion and no more trendy makeup. Coming out of pandemic life made me want to splurge, but I decided to keep my wardrobe minimal and wait until after the holidays to re-evaluate my wardrobe. In terms of makeup and skincare, I've found the products that my sensitive skin likes and plan to stick with them until my skin or look changes. I'm so glad to have a small, easily transported makeup bag! These products are all more expensive, but they are excellent. I also make my own lattes now ;) Working from home last year pushed me toward a of these changes, so I'm grateful that something positive came out of it.
It is sad, but enjoying those silver linings from the pandemic is what keeps me going. I was unemployed for a year, so for 5 semesters most of which Inwas unemployed, or part-time like now (3 regular semesters and two accelerated summer semesters), I took the max credit hours at my college and now I am almost 2 years ahead of my previous schedule for graduating with my bachelors degree.
Lucky you. I meanwhile went into a spiral of food delivery because i was and still using food to tame my anxiety.
@@borkbork4124 That's amazing, well done!!
Also not speeding means you are less likely to kill someone (yourself included). Roadway deaths are up 18% in the first half of 2021.
This makes me feel validated in the choices I made even in my teens. While everyone else was chasing the latest trends, I was almost in what is now called a capsule wardrobe. While some of my clothes were gifted and I thrifted because money was tight in my twenties, as I enter my thirties, I now consciously curate a capsule wardrobe and replace old/worn or items I don’t love with pieces that fit my capsule wardrobe #goals.
I'm shocked that you didn't mention predatory video games with their subscription services and microtransactions...
Definitely fell for the Glossier marketing and pop up shop in my city in 2019, hook line and sinker
Me too, but their perfume is amazing 😂
@@amor2874 I LOVE their eyeliner and brow gel Boy Brow. My skin also started glowing after I started using their AHA/BHA toner once a week.
I will die on the Glossier hill.
@@akirebara I really love their cloud paint as well!
That lunch figure is insane!!! I’m terrible for forgetting to make lunch but I won’t spend more than £5 a day and that will only be 3ish days a week. £15 a day every day sounds insane!
I think being French has given me a different relationship with purchasing alcohol since my French side views it as a cultural experience rather than a Friday night (not to say that that never happens) but I noticed I have different drinking habits than my US counterparts.
idk alcohol problems are especially hard to raise awareness on in France because it's ~cultural~ so you can't criticize it. It's so normalized I was basically forced to drink alcohol on birthdays and christmas by family members way before turning 10, thankfully I hate the taste so i managed not to get hooked but I've met many addicts in university and high school
Not saying everyone is like this obviously but from what I gathered it doesnt seem that different from the american party binge drink ?
@@ambre3085 I mean like any cultural practice around the world it depends on the family, personally I've never heard of being forced to drink under the age of 10, sorry to hear that happened :/ In France (in my experience anyways) it's more like having a drink with your lunch or dinner, maybe a few more for an occasion, but it's basically drinking more frequently but smaller doses. And it's not about getting drunk, it's about pairing your drink's flavor with your food (going into FR's food culture). Though I do agree that it can easily become an addiction and I am definitely not saying french people never drink for the sake of drunkenness.
Very interesting thread. Thanks for sharing your experiences
CHELSEA that sweater and broach combo looks SO good!!
There are so many good gifable moments in this video, like the "my body is a temple and so is my wallet tbh" dance
I feel so much for millenials and zoomers--rent and buying a house at this point in time is crazy expensive. I seriously don't think I could swing it if I was your age, even with my current, 10 year, well padded position. Inflation is real right now. I'm so happy that you are putting out videos and want you to know that us Gen X are also watching and learning ;) ty ALSO the gift card hack is a great idea!
Glossier's products are overpriced and overhyped but their perfume really is one of the best perfume's I've ever worn.
Glossier's skin perfecting toner is my cheaper dupe to my biologique recherche p50.
@@theywalkinguptoyouand4060 Oh hey fellow user! After more than a year of not seeing my mom because of the pandemic, she commented that my skin is glowing. I really think its because of that toner because I started using it once a week in 2020.
Yesss. I love that perfume
Love their blushes and boy brow
I bought the future dew serum and wasn’t impressed
I'm turning 25 in February and I love hearing all this tips from wiser Chelsea, I feel like these will really help me
Wow, what I'm learning watching this in my early 20s is that my lifestyle as a nerdy shut-in who doesn't get invited to parties and shops exclusively at goodwill is that im pretty set to be 30
I'm so thankful for your videos cause you break down stuff in funny and easy to grasp ways, I don't feel like being preached on, rather I feel like listening to someone with actually relatable experiences to share. I guess I'm pretty early to this video, because I'm 20 and just got my first paycheck, but your tips have helped me not go crazy. This channel is amazing!!!
Will straight up say, target pickup has changed my life. I order only the things I need, let my husband know what we’re getting, and then go to target, and go to the pickup, walk out. Honestly amazing.
I eloped on the beach, just my husband and me. It was liberating. For this reason I refuse to worry about people getting upset w me because I won't dish out money on a destination wedding. I'll be taking THAT cash and doing something that I want to do w it. No apologies
This was honestly the best one I’ve watched from you yet I really got value out of it and I love how much research you do. Thank you so much for having this channel and working so hard! We notice your effort!!!
I love 💕 your video my favorite part is seeing how you get ahead with school expenses. It can be so overwhelming and to see how you break it down is so appreciated! Thank you 🙏🏿
I am 31 and have never really spent a lot on the items and occasions mentioned. I think it has a lot to do with my upbringing and my group of friends/family. They like me for who I am and not for what I buy.
in Italy, we call drunk food just "food"
Drunk food is specific to the heaviness and grease associated with post drinking in the food.
Vegan food is "just food" but it leaves out specific things so it's another category
I have evolved from these habits sooo much. I was super into fast fashion and make up. I definitely buy expensive clothes now. You make me feel better about that. I wear them a lot and accessorize
Im so happy for you Chelsea. Following your advice has helped me make myself more retirement-friendly-or-possible! Congrats on buying a home!! Scared the fuck out of me but has been totally worth it
While your brought up Coffee AND Lunch, you forgot to mention that you can make your own coffee, too. Maybe not Latte's and whatnot- but you can do a pour over, French Press, or Aeropress coffee for a fraction of the $1.50 charged for the basic cup of coffee. And all of those can be done in the normal cafeteria location, since there's always hot water available. I've been making my own coffee for most of my career, going on well over 25 years of DIY work coffee. And even though you don't buy anything- the time you spend in the cafe place means you get to meet other people (cafe workers, other co-workers, etc).
I think she avoided mentioning this because it's the go to advice on how to cut spending from your budget, basically, we all know this already
I don’t drink coffee but I make my own tea and tea steamers at home. Saves money and a more relaxing experience
@@Martina_E that's good but it sufficies to say that if someone drinks only tea and can't make (basically dried plants and hot water) at home, they have a problem. Unlike coffee which is freshly (roasted and) ground.
@@caoimhenimhuireadhaigh1303 Seems that if you know that, then cutting Starbucks out of your budget would not be on the radar
@@Martina_E Remember that you can use it as a good work break, too.... :)
I used my twenties learning sewing, so my wardrobe in my thirties ist pretty unique. I just have to manage to keep my weight :)
I really like the mindset you spoke about at the end. Taking care of 'future you'. I find that when I am taking care of future me, I tend to treat present me better too. So it's a great overall approach to have :)
Out of the couple of video's I've watched from this channel this one made me subscribe. Chelsea I love that you seemed super authentic as if I were talking to a girlfriend who was giving me advice. Love it!
I love your honesty in this video. You keep it real and its quite inspiring that you can get it together at any point!
I’ve stopped buying fast fashion regularly for a few years now and I find that as someone who still likes to be unique and trendy with what I wear, sewing my own clothes has been a super fun hobby to get into where I can make something high quality that fits me that I actually like. I also try to buy more quality pieces when I do buy new clothes, partly to make me think more about the purchase but also so that I will actually use and wear them and get my money’s worth from them. I still have some fast fashion items that I’ve gotten that were unavoidable due to necessity, but I get way more compliments on the things I buy secondhand from my previous favorite brands (think lululemon) and the things I make myself than I ever did on the fast fashion items I was buying more often for cheaper. Not getting fast fashion doesn’t mean you can’t still be trendy and unique! It just takes a more curated and creative eye.
I love these lists! Please make more!
I am so glad you brought up the waste associated with skin and makeup products! I wish more companies would use sustainable packaging.
I actually really love glossier makeup and have gotten daily wear from multiple glossier pieces. One cloud paint tube has lasted me almost one year. They are pricey but when you account for how long they last, I don’t think it’s too bad. Better than drug store stuff that is often not as good of quality. I do still wear drug store mascara though.
Love Chelsea's presence, great video!
Chelsea you are such an inspiration. Thanks for all of this amazing, free advice.
Congratulations on buying a home! And I completely support your ambitions in window shopping for Home Goods before the move from my experience s. For example, I bought a few pieces of furniture when I moved into my apartment for college thinking how wonderful they would look. But two things happened. 1. My apartment was on frat row. Used furniture was everywhere, and some better than the ones I had. 2. The realization that the thing I bought didn't change my life like I thought it would. I found it easier to take a pyramid approach in my next move- starting with the bare essentials (ie what I need today, like a desk) then moving up. Even bookshelves became somewhat unecessary because I found it easier to organize using boxes.
As someone who is a big-time spender, I'm loving these videos that tell me what things I don't need to buy. I'm constantly seeing those tiktok or instagram videos of people listing all of these "fun" Amazon or Target purchases and it drives me nuts because it only stokes my bad habit
The burn on trendy makeup is so true 😂
Chelsea I LOVE that you recommended buying gift cards and accounting for it in your budget so you don’t overspend at, for example, Target. I do this all the time. My discover credit card gives me 5% cash back on rotating categories, a lot of times I buy gift cards, pocket the 5% cash back, pay the credit card off in full, and then I can go shopping guilt free.
I love the brooch! I'm so glad they're making a comeback!
Oh my gosh when you brought out your phone I thought you were gonna show us a pic of the kabob and I was totally into it.
I adore your content and life style tips! But arresting story made me laugh, and I honestly thank you for sharing with us.
Who does not have a bottom point, that made your mind to change your habits compeletely. Thank you Chelsea 💛
The point about meal prepping your breakfast and lunch for work is obviously right, but I just went in to the office for the first time last week and I noticed our communal kitchen had some restrictions still because of covid. I had one bland office coffee and a few cups of water using the disposable cups, and I luckily had a salad so I didn't have to worry about the microwave (or lack there of right now).
Mine too! Limited kitchen, so I've been experimenting with soba noodles, grains and rice to make lunch salads. An unreasonable amount of nuts and cheese are sneaking in, but there's a vague aura of healthy adult eating.
I started making these exact changed after turning 25, I’m 30 now and I’m in such a great place financially now and this all had so much to do with it
I like meeting a friend for coffee sometimes, and I do like occasionally dining out, or getting take out, but it's just as enjoyable to hang out with a friend at one of our places, or go for a walk. I don't buy fast fashion. Most of what I spend my money on (other than necessities), are books and manga. For beauty products, sunscreen, a gentle cleanser, moisturizer, and hylaraunic acid are all I need.
I have a good circle of friends, but most of them aren't getting married, or are already married, so while I've been to a few weddings (and some for family members), it's not like I'm going to a wedding every year, or even every two years. Not everyone is getting married all the time.
Very excited to hear about your home! It's an exciting process!
As an old guy, so much of this video resonates. A few tips:
1. You can pick up some takeout before you go out drinking. Future you will thank you for that Pad Thai or pizza that's ready to eat when you get back from your night out.
2. Slow it down and focus on driving. You're stressed enough. Imagine how it would feel knowing you'll NEVER get a speeding ticket because _you_ don't speed.
3. When you see something you would love to buy, take a photo of the item and the price. You'll scroll back through your photos later, and if you really want it, you'll make plans to buy it. In any case, you've bought yourself some time to think about it.
I’m a 50 something just making smart choices and I totally love the idea of a gift card for particular stores. I’m going to us it for sure. I just started watching your channel and love it. I wish I would have known someone like you/ this channel in my 20’s.
I needed this, thanks a lot 😘
Love the budget bytes shoutout, they are amazing. Highly recommend the Bean and Marinara dish.
When I go shopping and I see something I like, I take a picture of it along with the price tag. If it's clothing, I'll often take a pic of myself having tried it on. Then, when I get home or back to the hotel or whatever in the evening (and AFTER I've eaten something if I'm hungry), I look through the pics and start deleting things that I've decided I don't want. Usually, I delete about 1/2 to 2/3 at that point. Then I wait a day or two... or longer if I'm not travelling... and go through those pics again. Whatever is left after that second deleting session is what I end up buying. Sometimes I delete everything!
If a destination becomes Instagram-famous, I avoid it - mostly because I know it’ll be crawling with influencers who’ll insist you get out of the way of their selfie (not even kidding).
If I spend my hard-earned money to go somewhere and some influencer tries to shoo me away, I will plant myself like a damn tree 😄