Tommy, before I found your channel I had no real goals and aspirations, just was an extremely hard worker that knew if I didn’t actually develop a plan, develop my financial literacy, and invest and live frugally that I was just gonna work till death but I have been loving my journey since I’ve been studying for 2 years and I wanna say thanks for introducing me into a whole different mindset that has benefited me in so many ways because you opened up a whole new world to just a kid who didn’t come from much, both immigrant parents just a first generation college student trying to make it just like how you were 🙏🏼, keep doing your thing sir you are helping those that actually want it 💯
You gonna make it bro we all are just keep learning everyday and watch who you hang with cause hanging out with friends who don’t have the same mindset could be your biggest downfall
My advice whenever you get paid put from checking to saving immedaitely.Cook in your home no eating out ,select your friends and reduce party.If you can have a skill or side job .
Another money-saver is learn how to do some basic car maintenance. Changing the starter, alternator, radiator, cabin blower motor, belts, hoses and brakes can all be done in your garage if you have come basic tools and knowledge.
you don't have to spend allot on food and still eat well. I buy 1 onion,1 pepper,1 carrot,2 potatoes etc also most store have a section where they have packaged vegetables which may not have many more days left if they don't get used. I buy meats and break it into what we will eat in one meal and freeze the rest in meal size pacaged.So I can make multiple meals.
There are so many little things that are easily big things like groceries and gas and car maintenance and such. Most people do not know how easily save on groceries, cars, gas, insurance by doing a little research....and doing it all while not having to clip coupons. I appreciate videos like this making this information known!
Yes about the salons and nail care. I used to go to the salon every 6 to 8 weeks to get my roots done. Now I switched to getting balayage or ombré done once or sometimes twice a year. Looks better anyway and more natural. And now I only do pedicures 2 to 3 times a year. Once in the spring summer and fall. I used to spend close to $1500 to 1700 a year on my hair and nails but now it’s around $150 to $300. I also don’t do waxing. I bought an epilator and use that instead. Took about 3 sessions to get used to it though however it’s massive savings in the long run. Like in the thousands depending on how often you did it before.
Tommy, a couple of days ago one of your videos came up recommended. I’ve watched a few and have enjoyed the info. Thanks for sharing! I look forward to more good info!
I buy nothing but used blouses, dresses, and shoes. I don’t have a problem doing this and I don’t get why people are so against it. Probably because it doesn’t feed the retail machine.
Wow! Just came across your channel. Great advice. Your mom must be proud of you. FYI "Crockpot" is a brand name. The pot is called a slow cooker. Yes, I am a senior.🙂
I'm 22 and qualify for ssi because of bipolar but choose not to take it because I would like to be self reliant and not locked into the lower class, like my grandfather was. he worked as an assistant to a financial advisor, but never invested his own money until i talked him into it in 2020. he outsmarted me doubled his money in GM on a day trade. but he has been locked into a savings balance isnt allowed to work and cant grow his savings past a certain threshold. so this is why I invest.
Thanks for all your tips. I truly appreciate everything! I always tell young ppl to go to community college first to save a boatload of money. My goal is to save 50% of money I earn so I can enjoy a healthier life. I used to work 16 hour days for an 8 hour wage as a salaried healthcare employee. I could've had two jobs. My health suffered!
Im a disabled vet from long time ago. I drove semi truck for many years. As I got older my disabilities came back to haunt me. I tried, but eventually got fired (I cant physically unload a trailer or walk long distance). I filled for unemployment 6 months ago and still haven’t gotten anything. yes, nevada is very back logged. I did build a savings while working. Im just learning stock market. not investing, just learning. Im 58 and im worried I will end up on the street’s. How I pray I can make investing work. pretty sure my life depends on it.
I came to America 3years 7month ago, my first day at the barbershop they charged 30$ for haircut, so I told my wife to buy a clipper for me at Walmart for 40$, ever since I have been barbing my hair myself, and I have saved over 3000$ so far.
Definitely taking your Mint Mobile suggestion. You’re videos give me hope in one of the hardest years of my life. I’m one year away from being a nurse, so if I can survive this, I can survive anything
Let me still add one weird but good way you can save money, TOILET TISSUE, I stopped using toilet tissue after poop, what I use now is water and soap to wash my buttocks and trust me I have safe a lot of money and I feel more clean than tissue paper.
Thank you for all the tips. I have been watching your videos for a while on they have help me so much to see how I can get my time back on save money. I really appreciate you. Q. Have you ever did any vidoes on creating a vision board 🤔
Bro I like your demeanor, you carry yourself well and your perry good at handing out advice on finances, I know you an accountant, but I think 🤔 a financial advisor could fit you good in the future!
Lol I had Verizon switched to mint a few years ago and love it. A pair of clippers for like 20 bucks and you can cut your hair whenever you want and not have to use gas to get hair cuts. Lol I do alot of this already
Credit cards are cool as long as u use less than 10% of ur limit and u pay it off by the due date.... Think of it as u borrowing from ur future self. But as long as u have those funds no matter what.
Hey bro Great content! If I may add when you speak about specific numbers regarding money you owed etc, you say the numbers so fast it's really hard to understand what you're saying. Slow down just a touch 😄
Peace to you and your family Bro! I love the content EXCEPT FOR THE FIRST PART! I'm going to make sure my clients get almost all of this information when they come get a haircut 🤣🤣🤣🤣! And I want to save my first 10K
I really don’t have a “why” and I really don’t want to save…I only do it because I have to for like emergencies. But I’d really like to know how to maintain the money I have and make it grow
First pay off debt, then save for 3-6 months emergencies, then invest 10-20 into retirement and with the rest of the cash put it towards saving for a house or paying down the mortgage
I go to the dollar tree to buy the fake nails. They work just fine and I don't have to waste so much going to a nail salon. Same goes for the hair salon. As long as the hair dye in the stores covers the gray, I will not be wasting my money on a hair salon.
I will forever be indebted to you you've changed my whole life continue to preach about your name for the world to hear you've saved me from a huge financial debt with just little investment, thanks so much Mrs. Fiona Cosmann
I invest with Mrs Fiona too, she charges a 20% commission on profit made after every trading session which is fair compared to the effort she put in to make huge profits
With the consistent weekly profits I'm getting investing with Mrs Fiona Cosmann, there's no doubt she is the most reliable in the market. such a genius
Thank you so much for your knowledge I got myself into some debt i have a credit card and loan I want so desperately to get rid of it I was debt free about 2 years ago I want to save and invest i honestly don’t know where to start when investing!
You have to decide what is important to you. If that is important then add up how much you spend on nails every year. Is it worth it or could you do your own nails and save/Invest the " nail" money. Same with hair. Your choice
Tommy, before I found your channel I had no real goals and aspirations, just was an extremely hard worker that knew if I didn’t actually develop a plan, develop my financial literacy, and invest and live frugally that I was just gonna work till death but I have been loving my journey since I’ve been studying for 2 years and I wanna say thanks for introducing me into a whole different mindset that has benefited me in so many ways because you opened up a whole new world to just a kid who didn’t come from much, both immigrant parents just a first generation college student trying to make it just like how you were 🙏🏼, keep doing your thing sir you are helping those that actually want it 💯
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance.
You gonna make it bro we all are just keep learning everyday and watch who you hang with cause hanging out with friends who don’t have the same mindset could be your biggest downfall
My advice whenever you get paid put from checking to saving immedaitely.Cook in your home no eating out ,select your friends and reduce party.If you can have a skill or side job .
I agree about buying quality products. The saying "Buy nice or buy Twice", is so true .
Another money-saver is learn how to do some basic car maintenance. Changing the starter, alternator, radiator, cabin blower motor, belts, hoses and brakes can all be done in your garage if you have come basic tools and knowledge.
you don't have to spend allot on food and still eat well. I buy 1 onion,1 pepper,1 carrot,2 potatoes etc also most store have a section where they have packaged vegetables which may not have many more days left if they don't get used. I buy meats and break it into what we will eat in one meal and freeze the rest in meal size pacaged.So I can make multiple meals.
My ex’s mom used to do this with her ground beef💪🏾💯
There are so many little things that are easily big things like groceries and gas and car maintenance and such. Most people do not know how easily save on groceries, cars, gas, insurance by doing a little research....and doing it all while not having to clip coupons. I appreciate videos like this making this information known!
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📩📬💯.
Yes about the salons and nail care. I used to go to the salon every 6 to 8 weeks to get my roots done. Now I switched to getting balayage or ombré done once or sometimes twice a year. Looks better anyway and more natural. And now I only do pedicures 2 to 3 times a year. Once in the spring summer and fall. I used to spend close to $1500 to 1700 a year on my hair and nails but now it’s around $150 to $300. I also don’t do waxing. I bought an epilator and use that instead. Took about 3 sessions to get used to it though however it’s massive savings in the long run. Like in the thousands depending on how often you did it before.
Vacations: Travel off season, Timeshare demo = Free resort, Cruises are cheap ALL-INCLUSIVE vacations.
Tommy, a couple of days ago one of your videos came up recommended. I’ve watched a few and have enjoyed the info. Thanks for sharing! I look forward to more good info!
Can I say I just love you.. wish I knew these things in my 20’s
I buy nothing but used blouses, dresses, and shoes. I don’t have a problem doing this and I don’t get why people are so against it. Probably because it doesn’t feed the retail machine.
Wow! Just came across your channel. Great advice. Your mom must be proud of you. FYI "Crockpot" is a brand name. The pot is called a slow cooker. Yes, I am a senior.🙂
I'm 22 and qualify for ssi because of bipolar but choose not to take it because I would like to be self reliant and not locked into the lower class, like my grandfather was. he worked as an assistant to a financial advisor, but never invested his own money until i talked him into it in 2020. he outsmarted me doubled his money in GM on a day trade. but he has been locked into a savings balance isnt allowed to work and cant grow his savings past a certain threshold. so this is why I invest.
SSI is not dependent on your investment income
I have also watched extreme cheapskates recently, haha. It's crazy what they'll do to save a few cents
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
Video starts at 3:18
Thanks for all your tips. I truly appreciate everything! I always tell young ppl to go to community college first to save a boatload of money.
My goal is to save 50% of money I earn so I can enjoy a healthier life. I used to work 16 hour days for an 8 hour wage as a salaried healthcare employee. I could've had two jobs. My health suffered!
Im a disabled vet from long time ago. I drove semi truck for many years. As I got older my disabilities came back to haunt me. I tried, but eventually got fired (I cant physically unload a trailer or walk long distance). I filled for unemployment 6 months ago and still haven’t gotten anything. yes, nevada is very back logged. I did build a savings while working. Im just learning stock market. not investing, just learning. Im 58 and im worried I will end up on the street’s. How I pray I can make investing work. pretty sure my life depends on it.
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
What’s app is not Tommy but he have a call in line. Look under his notes and under channels to find his free call in
There are lots of online jobs that are great for disabled folks. You need multiple streams of income. Good luck.
I came to America 3years 7month ago, my first day at the barbershop they charged 30$ for haircut, so I told my wife to buy a clipper for me at Walmart for 40$, ever since I have been barbing my hair myself, and I have saved over 3000$ so far.
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📬💯.
Definitely taking your Mint Mobile suggestion. You’re videos give me hope in one of the hardest years of my life. I’m one year away from being a nurse, so if I can survive this, I can survive anything
Let me still add one weird but good way you can save money, TOILET TISSUE, I stopped using toilet tissue after poop, what I use now is water and soap to wash my buttocks and trust me I have safe a lot of money and I feel more clean than tissue paper.
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟼𝟶𝟸𝟶𝟽𝟻𝟽𝟽𝟽📬💯
🤣 ew
😆 thanks though
u nasty
Thank you for all the tips. I have been watching your videos for a while on they have help me so much to see how I can get my time back on save money. I really appreciate you. Q. Have you ever did any vidoes on creating a vision board 🤔
Bro I like your demeanor, you carry yourself well and your perry good at handing out advice on finances, I know you an accountant, but I think 🤔 a financial advisor could fit you good in the future!
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📬💯.
Hairstylist here… don’t tell them that 😂 they come back to me with extremely damaged hair
Lol I had Verizon switched to mint a few years ago and love it. A pair of clippers for like 20 bucks and you can cut your hair whenever you want and not have to use gas to get hair cuts. Lol I do alot of this already
Credit cards are cool as long as u use less than 10% of ur limit and u pay it off by the due date.... Think of it as u borrowing from ur future self. But as long as u have those funds no matter what.
I like your channel a lot of good information. What do you recommend to invest the Roth IRA? Ty
I have been going back and forth over mint mobile. How is their service?
Do you budget an emergency fund?
Hey bro Great content! If I may add when you speak about specific numbers regarding money you owed etc, you say the numbers so fast it's really hard to understand what you're saying. Slow down just a touch 😄
Peace to you and your family Bro! I love the content EXCEPT FOR THE FIRST PART! I'm going to make sure my clients get almost all of this information when they come get a haircut 🤣🤣🤣🤣! And I want to save my first 10K
Brother you are on point!! Love this tips and it’s so doable
I really don’t have a “why” and I really don’t want to save…I only do it because I have to for like emergencies. But I’d really like to know how to maintain the money I have and make it grow
First pay off debt, then save for 3-6 months emergencies, then invest 10-20 into retirement and with the rest of the cash put it towards saving for a house or paying down the mortgage
Sending this to my kids in their 20’s
Love it man, thank you for sharing
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
I appreciate the content man ! keep them coming!
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
Exactly what I needed to hear. Thank you:)
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
I go to the dollar tree to buy the fake nails. They work just fine and I don't have to waste so much going to a nail salon. Same goes for the hair salon. As long as the hair dye in the stores covers the gray, I will not be wasting my money on a hair salon.
Great video. I thought you was going to mention some of the things seen in extreme cheapskates lol.
saving for my first 20k god willing
I'm with you Tommy, I would rather use less water then take a bath in my previously used bath water.
I will forever be indebted to you you've changed my whole life continue to preach about your name for the world to hear you've saved me from a huge financial debt with just little investment, thanks so much Mrs. Fiona Cosmann
Wow, amazing to see others who trade with Mrs Fiona Cosmann, I'm currently on my 5th trade with her and my portfolio has grown tremendously.
I invest with Mrs Fiona too, she charges a 20% commission on profit made after every trading session which is fair compared to the effort she put in to make huge profits
With the consistent weekly profits I'm getting investing with Mrs Fiona Cosmann, there's no doubt she is the most reliable in the market. such a genius
@Mary Jane You can communicate with her on telegam with the user name below
investwithcosmann💯
Thank you so much for your knowledge I got myself into some debt i have a credit card and loan I want so desperately to get rid of it I was debt free about 2 years ago I want to save and invest i honestly don’t know where to start when investing!
Crock pot is a brand name product of a slow cooker. So you can say slow cooker.
Thank you for sharing Tommy. Keep it up!
Agradezco sus comentarios, comuníquese conmigo directamente al número anterior para obtener más oportunidades de inversión y orientación.
Awesome advice, Tommy!
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance....
If you a girl or dude and want hair grow locs and learn how to retwist yourself the bottle is $5. And you can use that for up to 3 months
Good info!! Thanks!!
Got you
Awesome 🥇🥇🥇me too i love thrifting i have man branded clothes
Thank you for sharing you're a very smart young man.God bless you ,take care.
Wow good tips and u r very smart
Give thanks bro 🙏
Anyone ever told you that you look like Chance tha Rapprr lol ....Needless to say I fn wit ya channel alot of good information bro
Thanks for the info
Tommy do you ever splurge on anything? If so what how much any videos on that to financial be able to do
A small splurge budget to buy something nice idk 🤷♂️ 🤔 splurge maybe after having $20,000 emergency 🚨 fund incase u want something nice 👍
I want to get paid and 70-80 % goes to me to do what I want like invest save to pay cash for things I want etc. not get paid and pay bills
Some very good advice .
Such a wise young guy!!🧠🧠🦉📚💡💰💲
Great tips!
Awesome 😮😊
Great video
Good video poppa my goal is to save 5 racks to get me a backup vehicle
No more 711 trips at work , or Starbucks ima limit it to only Saturday morning I spend like 15 a day smh 🤦🏽♂️ no more !
" Dime con quien andas y te dire quien eres "
TNX GOOD
So I should not get my nails done?
You have to decide what is important to you. If that is important then add up how much you spend on nails every year. Is it worth it or could you do your own nails and save/Invest the " nail" money. Same with hair. Your choice
Nah bro hair cut gotta be on point.
Please make introduction small
Video starts @4:06
Hey Tommy I really would like to talk to u
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟼𝟶𝟸𝟶𝟽𝟻𝟽𝟽𝟽📬💯
Love you
My why is so I can be financially independent and not get stuck in an unhappy marriage for 10+ years like my parents
Let’s goooo💸
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance.
By the end of 2024, I want to save up to $20,000.
Thankyou sir
I appreciate your feedback, please contact me directly at the number above for further investment opportunities and guidance.
A haircut every week??
I go every couple months 😂🤣
Tommy been watching the extreme cheapskate videos 😂
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📩📬💯.
My first 10k
$2000 car is no good… it will give you problems
I coupon
your so kool !!!!!!!
❤️🔥❤️🔥❤️🔥❤️🔥❤️🔥❤️🔥❤️🔥❤️
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📩📬💯.
I like your voice but you take so long to get to the point
🤣🤣🤣🤣 LMBOOOOOOOOO
Saving money for my dream wedding and a new LV purse
Thanks for watching👍
Don't forget to hit the subscription button drop a msg right away
WhatsApp✙𝟷𝟹𝟸𝟹𝟹𝟸𝟿𝟻𝟶𝟽𝟿📩📬💯.
a worth watching channel, very edducational and thanks for sharing wonderful videos. Subbed and liked ! a fellow creator ^^^^
Great tips!