8 Changes To Your Routine That Can Ultimately Save You Thousands
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- Опубликовано: 2 июн 2024
- In this episode, Chelsea talks about different lifestyle swaps that can save you tons of money in the long run.
This video is sponsored by Blue Apron. Check out their new wellness recipes and lock in your next order - sign up by 2/28 and get $100 off over your first 5 boxes: www.jdoqocy.com/click-1002645...
Money saved from eating vegetarian: money.com/vegetarians-save-mo...
Desirae Odjick blog post: halfbanked.com/save-money-go-...
Cheap proteins: www.healthline.com/nutrition/...
How to save $ on meat: www.realsimple.com/food-recip...
Spending challenges video: • 8 Things To Stop Buyin...
HSA: www.investopedia.com/terms/h/...
"Endowment effect": www.investopedia.com/terms/e/...
Savings apps: www.qapital.com/blog/achieve-...
digit.co/
Food waste stats: onlinelibrary.wiley.com/doi/f...
Watch more of The Financial Diet hosted by Chelsea Fagan here: • THE FINANCIAL DIET
The Financial Diet site: www.thefinancialdiet.com
Facebook: / thefinancialdiet
Twitter: / tfdiet
Instagram: thefinancia... 
Хобби
Sign up for Blue Apron by 2/28 and get $100 off over your first 5 boxes: www.jdoqocy.com/click-100264531-14464344
We get that you need sponsors but I feel like I just watched a ten minute long testimonial for Blue Apron with actual financial advice sprinkled in around it so I wouldn't loose my mind. No more than 3 min tops for sponsors, or you're just a sell-out. I used to love this channel but now I just cringe as I see a video title that intrigues me but, I'm sure, is basically a long commercial. No thanks.
All of the other companies like this allow you to preview all of the meals and ingredients prior to subscribing. This is not cool.
1. Go meatless a few days a week
2. Opt for a balanced meal kit delivery service
3. Do a 30 day spending challenge
4. Take advantage of your health benefits
5. Cancel any unused streaming or subscription services
6. Prioritising a zero cost personal goal
7. Use a savings account with a round up feature
8. Have a recipe arsenal for food that's going bad
God bless you
Appreciate this man!
Thank you!
Thank you!
You’re the real MVP Elaine.
I started buying my produce frozen. I can get most staples like, broccoli, cauliflower, onions, bell peppers, ect. frozen. Doing this has given me a bigger grace period for cooking. I end up wasting much fewer produce and I always get around to using them when I have a day to do a bulk meal prep. Frozen veggies are not as good as the fresh stuff, but they're better than throwing food because you didn't use them fast enough.
@@Sillyalways I didn't know that. Thanks for the info.
I recently started buying frozen green beans and it is a game changer!
Frozen produce is great. The fact that it’s also cut/sliced is a real big time saver for me. I often put off cooking because of how long it took to just cut the veggies. There are many great recipes out there using frozen.
@@Sillyalways that is utter nonsense 🤣🤣🤣🤣
My favorite cookbook is Good and Cheap: how to eat well on $4/day. And the author has it for free in PDF on her website. It has a lot of recipes but it’s most just ideas of what to do with different kinds of foods.
Thanks for the suggestion, I just checked it out and I love free books!
I also recommend Budget Bytes, she has a free 14-day pantry meal plan to download for free in case anyone's interested.
I'm currently at month 8 of 12 months of retail detox. Instead of spending money on clothes, I'm buying online fashion classes that are helping me to make the most out of the things I already own. I'm so satisfied with this practice that I plan to prolong that no buy decision until the end of 2021!
Make a chart of what you own and all the combinations you can make. Tina
@@alanbirkner1958 yes exactly! I'm actually in the process of creating a full inventory of my clothes so that I know what exactly I own and what I can do with it!
Thank you for acknowledging that many people live a "no spend" lifestyle without having an option!
I was living paycheck to paycheck, but I realized I made way more than my essential expenses. Mainly replacing take out with meal planning has allowed me to save $600-$700 a month. I always start with a pantry inventory and make sure to make meals with those things first, then check what’s on sale and finally create the meal plan. At least 5 meals out of the 14 should be meatless.
Just want to say that the meal subscription service was for cutting costs on takeout. It is much more expensive if you already cook all the time. But if you're getting takeout $8 a serving can be way cheaper. It seems like a lot of people here missed that portion of what was being said.
The hand wringing in the comments over a product plug for the sponsor is kinda ridiculous
Thank you! There's always somebody ready to whine. I personally would never get a meal kit because I live by myself, love cooking, and typically spend no more than 40 or 50 dollars a week at the grocery store, so for me it really wouldn't make any sense to get a meal kit. But Chelsea wasn't giving this advice to a person like me. She was talking about a person who is consistently falling back on takeout for meals (which are WAY more than 7 bucks a serving unless you're eating absolute garbage.)
It's more that its not really an alternative. If I'm having to cook anyways, its better to just cook actual meals and have leftovers and pay far less. I get takeout out of convenience, box services don't really add convenience to my life because I now still have to do that cooking, which means its no longer more convenient.
@@Samzillah its a non threatening way to enter the world of cooking for yourself though. Not everyone learned to cook for themselves before living on their own. I agree its always cheaper to cook yourself with store bought ingredients, but depending on your ability, it can be a great stepping stone.
"Use craft supplies you bought but never used." First of all! I did not agree to be called out in this video!
Re Blue Apron vs take-out. I feel this is an unfair comparison because with take-out there is NO COOKING! With Blue Apron not only is it an expensive alternative, you then have to Cook. Whenever we opt for take-out it is usually because we are too tired to cook. So all this to say, Blue Apron is neither frugal or practical for me.
And also dishes😂
Yes, it needs to be practical. In our case we have two no cook days budgeted for the month (they happen randomly). We also use a subscription service for two meals a month to try recipes that I would not want to buy all the ingredients for. And... there is always a lasagna in the freezer for "those" days! :) One has to be intentional with their resources.
Yes! As a mom of 3, I cook 3 meals per day most days. Takeout days are days off!
Yeah honestly for me it's an occasional treat where I can do a recipe but it's easier because you have all the shopping done and everything portioned out, although some of those recipes are still pretty time consuming. It's fun every once in a while at least. Also the recipes are healthier than what I usually cook so it's also good for my health.
My partner and I had so many streaming services, and now have started discontinuing platforms when our shows aren’t in season. Yaaaasss!
long live pirates.
I have a typical bowl formula when I can't think of what to cook - first quinoa, potato or brown rice, two finds of veg (whatever I have) and some kind of protein (beans, fried eggs, or meat). Sometimes I top it with cheese, pickled veg or kimchi just depending on what I have and what other layers I used. Easy peasy 😊
I also like adding a sauce with grain bowls (I know it can add a lot of calories and sugar but sauce is life for me and without it life isn't worth living). I make my own peanut, teriyaki, or honey mustard sauce. They store well in the fridge for left overs and make an otherwise bland dish delicious.
I don’t use Blue Apron but a cheaper meal kit service with supplemented veggies. It helped me and my partner SO much on cutting down food waste and on eating out. NO it’s not for everyone of course if you’re already cooking every night lol or honestly I wouldn’t reccomend it for families more for couples or singles. But now we have canceled our subscription and transitioning to cooking at home from grocery store food now that we have built the HABIT! It was a great stepping stone for us. Sorry to see so many people furious because advice (which is often connected to sponors) doesn’t directly apply to them and only them. I hope everyone has a problem with her reccomending Mint and Skillshare too as they often feature on list videos like this
We cook in batches and freeze!
Trick number 9: don’t sign up for subscription services like blue apron 😜
As low as $7.49 per serving? Ouch. And that's probably not even a serving for me. My meals are almost always $2 or less and usually ~$1
@@adurks4846 She wants me to spend over $30 PER MEAL (family of 4) and that is somehow going to save me money? This is really, really, REALLY bad advice. I am SUPER disappointed to see she has sold out and can no longer be trusted to give good advice. I never thought I'd see the day
When compared to doing takeout, it is a better choice.
Errin Watson True but I still don't want to go to the hassle of cooking, but yet everything as far as takeout has started tasting bland, oh the irony. LoL
@@errinwellman1960 yeah, and when compared to heroin, eating only sugar is healthier. You can always find something worse... better advice is to have super easy receipies for those days, or to food prep. She literally has SEVERAL videos saying NOT to spend money on pricey convenience services like this, which is why it’s so clear she’s acting unethically here. She’s going against her own advice and encouraging bad financial decisions and I feel betrayed
Non-meat protein sources are so cheap especially eggs and beans 🙌🏾. Also going to the reduced produce section can save you loads on things like meat and vegetables - just don’t forget to put them in the freezer
and tofu!! ~$2 for 5 servings!
actually in my town fresh veggies are more expensive than meat.
I would rather opt for a grocery delivery service on a weekly (as opposed to going to a store myself) than going for something like Blue Apron. The amount of time saved is basically the same, but the cost would differ a lot. Of course it depends on where you live, however in my region (Moscow, Russia) grocery delivery from the major food chains always comes cheaper. The rest of the tips are great. I especially appreciate the “going meatless” advice as the meat industry impact on the environment is horrific.
I don’t have blue apron but I do subscribe to a few meal kits. It makes cooking less daunting and adds a bit of excitement. Something about knowing your meal will taste good, taste fresh and be a little healthier than takeout or ramen is a great feeling! I recommend meal kits to everyone
Was the editorial content of this video influenced by the advertiser?
Seems a bit iffy to give the sponsor spot as one of the tips.
I don't mind advertising before or after the video, even if the sponsor offers a service related to the video content, but don't put sponsor content as one of the tips.
I mean, obviously. There is no way she would give us such TERRIBLE advice (sign up for an expensive convenience service instead of figuring out easy quick meals you like) if it weren't to push us to spend money on her sponsor. She literally advises AGAINST this is another one of her videos. Sad to see her embracing hypocrisy and selling out. I had previously always felt I could trust this channel.
This happens frequently in TFD videos. No shade to TFD. You have to choose whether or not you want to use the product. As you would decide whether or not any of the other tips apply to you.
Totally agree. No problem with sponsorships or even meal kits but this was horrible “advice” as you could buy the same ingredients for date night at a cheaper price from the grocery store
@@ProfessorLukas depends what your vice is, we get 3 to 4 meals out of our meal kit (hellofresh) for the same price as ONE delivery meal. Obviously it would be better to do everything yourself but if you're bad at cooking or don't have the time/energy it's way better to get the meal service than to get delivery. Plus you learn how to cook.
Libraries are a great way to watch the shows and movies that are on your list. You might have to wait a few months for that flashy new Netflix show to be available on DVD and purchased by your library. Some libraries also have a streaming service called Kanopy that's free with your library card.
Going meatless has saved me money. My husband and I have been plant based for 4 years now and we spend about $40 a week for the both of us. Occasionally, we splurge on impossible/beyond meat but for the most part everything we need can be found anywhere for cheap.
I was rewatching the video again like all of us do all the time, I realized Chelsea is looking more GORGEOUS than usual here. Like her eye make up or skin is just glowing, just thought i would let her know.
This won’t necessarily save you money, but starting a compost bin and putting your food scraps in it is a great thing for the environment. Plus it helps with any guilt associated with wasting food because you know it’s being turned into something useable and not just ending up in a landfill.
Cutting out/down on meat and other animal products also can make it harder to get fast food/takeout, which can further help cut your spending!
Something I'm curious about - So I understand people like Blue Apron because it saves them a trip to the store, gives them ideas for cooking, and it prevents food waste since you get exactly what you need per meal. However, how much food does Blue Apron throw out? Food spoils and I'm guessing they don't send the "ugly fruit and veg" which is a major contributor to food waste in all stores because customers don't like less than perfect (but perfectly edible) produce. How much additional plastic is used per shipment versus going to the local market? Having never ordered from them, I'm wondering if the motivation is environmental and limiting waste, how much better is blue apron...
we did it at my house because we can never decide what to make for dinner. it is a LOT of plastic.
I've heard that because meal subscription services go straight to the supplier the overall food and plastic waste is less and also leads to less household waste food. I was pretty surprised when I heard that
I personally opted for grocery delivery service, rather than a service similar to blue apron. It's a bit more expensive than a regular trip to a supermarket, but it saves you time, and I always get hungry when I'm shopping, so this is also a preventative measure. :D
If avoiding food waste is a priority, consider checking out subscription services like "Imperfect Produce" (It's the first brand that I can think of, but there are others as well). It's what it sounds like. The "imperfect", but still edible produce that would otherwise get thrown out at a cheaper cost.
Spending challenges a great. Another version is to force yourself to wait 3 days every time you want to buy something unnecessary, to make sure you really do want it and its not an impulse buy.
One thing that helped me avoid food waste was when I plan out my meals for the weak I only buy the meat, grains, dairy and other things that don’t expire as fast. The day or two before I make the meal I buy the vegetables so they’re ripe and fresh. Often times in the past my veggies would go rotten before I had to the chance to use them for my meal prep because I eat things slowly.
Chicken legs are indeed much better than breast. And we (well, most if us) can actually reduce how much meat we consume even from a health perspective. I already have it quite reduced, to small portions and 2-3 times a week, but I'm lucky because I actually don't want more than that 🤷♀️
Love the concept of a zero cost personal goal!! It kills two birds with one stone - Get focused on a goal, and save money along the way ! 💪🏻🚀
The best food budget tip that I was ever given: While still at the grocery store, return 40% to the service counter, to be given to a food pantry. This is the amount you will throw away in the end. At least as long as you're going broke, another family isn't going hungry. After a couple times, you might be embarrassed enough to stop buying.
It also helps if you simply feed yourself less, by 40%.
"After a couple times, you might be embarrassed enough to stop buying." Stop buying... food?
Also at my current budget, I would be a skeleton if I did that unless I went with really cheap food exclusively like rice, beans and bananas. But I'd go insane, I need variety.
As far as the food waste items.. I find that this happens mostly with fruits and veggies. I usually just throw all of it into a blender to make a smoothie. Healthy and nutritious! Thanks for the tips.
Thank you for acknowledging the many people who can benefit from a “no spend” lifestyle who do have the option.
We love doing a no meat night! I try to do at least 1 a week and we almost always pick something like portabella burgers, or eggs and hash. But pasta night is a good choice too. I also buy my meat in higher bulk- there's only 2 of us so I buy in groups of 10+ and then divide them up.
Ramen noodles soy flavor mixed with a can of sardines is heaven! Important to not heat up the fish! Add the fish right before serving. I won't eat canned fish unless it is source from European Union countries like Poland. If you add frozen veggies into the mix then give yourself a Michelin star!
all these people complaining about the sponsor but they are savvy enough to assess for themselves the value anyway.
I do think it's better to keep the ad read separate to the advice being given at least a bit though. however tfd are super open about them being a business, Chelsea is not your pal, how else do you think they pay for stuff? she literally makes videos talking about running tfd as a business.
however I do think tfd sometimes doesn't acknowledge enough the middle class slant to their advice. Just saying oh we know some people don't have enough disposable income for these tips to be useful is not ideal when they put out very little content which is useful for genuinely low income people. to me that's a bigger flaw than them advertising a mealkit company
There’s no way for me to waste food in my house, when I have canine garbage disposals.
Chicken thighs really are the unsung hero of the chicken industry.
I only feel a need to leave a comment when I see fantastic female entrepreneur, who is also very resourceful and providing such a great content, over and over again in these challenging times for all. Always looking forward to new topic and over the years experimented and implemented a lot of great suggestions/ Recommendations. Finding this channel very educational and necessary. Kudos to the team, keep surprising us in the coming years, we are enjoying it.
I love all your videos. They are super practical.
God bless you for your VALUABLE advices 😇🧧💖
Blessings from Taiwan 🇹🇼🥳
k so i NEVER comment on TFD but re: Blue Apron gate, just take everything with a grain of salt. unless someone has a gun to my head, they're not forcing me to buy anything and if that's a nugget of advice i wouldn't use then that is simply okay lol. beyond that, there's several people in the comments who can't seem to see beyond their own noses in regards to how OTHER people choose to save money. coming from NYC, takeout culture is REAL and unless you've carried grocery bags on your back up and down the city subway and then 5 flights to get to your walk up apartment these things may seem foreign to you. a lot of people here opt for takeout all the time (I'm not one of them but it's a thing). for someone out there, meal kits are a better option and legitimately save them money. maybe not for you- if you want a video on how to make a week's worth of food for $20 there is PLENTY out there for you.
Pro tip: when doing an advice video, don't put a sponsor as one of the points, it completely taints the message and makes the viewers question the authenticity of not only the whole video but the whole channel as well. It doesn't matter if it's a good or bad suggestion, the viewers can't fully trust it because you're being paid to say good things about it, and when put in the context of advise from financial advisers it's shady to say the least.
Usually people put ads at the beginning or at the end of even in the middle but the disclose that it's an ad so people are 100% sure that they're being sold stuff. Putting it as part of a list makes that intention not apparent and that's disingenuous.
Many people don't mind youtubers doing sponsored content because they understand that's how they make money, but I believe this is simply not the way...
Super helpful tips!
Great money saving ideas, I particularly like the meatless meals and saving food instead of throwing it out; there is way too much waste. I also did a video on how to save money but focused on grocery store money saving hacks.
Recycle and buy games and DVDs second hand from places like cex in the UK :) I get vouchers and save up for games that usually end up there within a couple of weeks for new titles
I rarely comment and rarely disagree with advice given by Chelsea but the tip to use a food delivery service such as Blue Apron (even if it’s sponsored) is bad advice for many people and this is not frugal. There are many cheaper alternatives.
There are ways to sponsor without giving bad advice to your entire audience and many people seem to have a bone to pick with this bad advice, and I don’t blame them.
meal delivery kits might be a good way to ward off the desire to get takeout or go out to eat but if you don't struggle with that buying your own groceries can be so much cheaper. With blue apron I would spend approximately $4 per meal (1 serving per meal) and with buying my own groceries I spend approximately $2 a meal.
*This math is based on 2 meals a day cause thats my what my diet allows
also this math allows for 1 fast food meals a week
All good suggestions. Another way might be to combine a jog or a bike ride into your daily commute (once all the lockdowns are finished!). I cut a £100 (around $140) from my monthly commute costs by using a folding bike, which meant I could cycle to a station with a much cheaper fare and faster journey, take the bike on the train, and cut out the underground (metro) costs in the centre of London, plus I got a lot fitter. I covered the cost of the bike in about the first 8 months from train cost savings. It’s also saved me a lot in Uber fees when I have to take the car to the mechanic and collect it, as it fits easily in the boot.
I tell myself if I try to save a minimum of 20% on every small item somehow (coupons, sales etc) that is x$ annually! It’s easier to see the impact of a percentage savings on the big number instead of the pennies saved on each small item.
Meal kit delivery is highway robbery. It’s helped me to have my groceries delivered and cooking for myself, and to treat myself for takeout sometimes
Tiny habits with a great difference. Great video.
In my experience the cost of food is primarily based on two factors. 1. How much you eat out, 2. How expensive the type of meat you buy is. As a Canadian $720 annually for a single person is a bit of a hassle but doable for the frugal minded cooking everything themselves on a predominantly veggie diet. If you could that budget though you easily open up the variety and quality of food you can buy.
I save by reducing produce, not using a meal kit delivery service and buying most of my groceries only when they are sale and stocking up on them at that time.
These are all 'rich' people tips! I tried meal delivery and failed horribly at cooking. I don't buy take out though. I use a grocery delivery of mostly premade foods that come in large bags. Soups, vegan fish, and some fresh fruit like strawberries kiwis and bananas. I've been vegan for 2 years. Even my yogurt is coconut delight (contains probiotics) I live under the poverty line. Even my internet is cheaper than all other plans
Look into free food markets in your area. I have one in my area that gives away free food every Sat regardless of income. It will help cut down the cost of groceries
Pro move: take advantage of birthday freebies
Unless it Christmas day.... :(
Lol I love tin sardines- my Dad (RIP) used to make me sardine sandwiches abc my brother and sister would be so grossed out and shun me lol.
I love tinned oysters and everyone thinks it's gross. haha
@@ses-ei7oc yummm I love the smoked ones too!
@@Dragonflyathena I am glad I'm not alone!
Fast 2x per week. It has helped my budget alot. About 400$ a month Im saving.
Chelsea- I would so love to talk with you about how to set up local money systems. More specifically, trading circles with their own mediums of exchange and their own stores of value, and in which the rules of the game are determined by the producers and consumers who are playing it. In other words, democratic economies. Directly democratic, even. No blockchains/cryptocurrencies. Human-powered, +/- internet-facilitated. Simple. Basic.
I don't eat meat, don't buy takeout, alcohol, don't shop online, don't have subscription to streaming services, always walk on foot, and have an option of free healthcare! How can I limit my expenses even further!?
Oh no, I also don't waste much food, and don't use credit cards!
And I already walk 5-7 km almost every day, and learn 3 languages on Duolingo!
Carry a notebook, or use your phone to record everything you purchase when you purchase it. Tina
Electricity, clothing, hygiene and cleaning products. Looking at a few areas that you could get a more budget option
All the points are valid and good but I don't get why there is this emphasis on take out. Is this such a relevant thing? I just started having take out once in a while because of Covid and because I want my favourite sushi restaurant to survive. I also don't know many people who regularly do take out. Maybe if you really don't want to cook you get a keban/falafel wrap to go. Am I in a cooking bubble? Is take out an American thing? Or a city thing? I am genuinely asking
yeah I think it's both American and also a city thing, maybe even New York specifically tbh... but also tfd have a pretty middle class demographic so eating out is probs a big discretional expense. on the other hand I'm in the UK, not in a big city, and we also have a pretty big takeaway culture.
I think it's also very dependant on your cookery level and enjoyment, I personally know it would be cheaper to cook myself but I'm not a good cook and I don't really enjoy the process whereas I have friends who got through lockdown by spending hours planning and making elaborate meals lol
I don't like the grocery budget idea, you should eat what you want especially if you're grocery shopping
I would rather continue to spend money on meat instead of spending on blue apron.Thank you.
Why?
How about a Video for "Money-Saving" mobile Apps (you Always recommend "Mint" and it's great for other purposes).
But for reaching some specific financial goals ( for example you want to save the ammount X for your Goal by a target Date, for example 1.1.2025) I'd recommend the Android-App "Savings Goal" by RMY Studio. Maybe there are similar Apps available for iOS and other platforms, but could you make a Video about some Apps (not only "Mint" - although it's also great) which can be beneficial for reaching a goal related to a specific ammount of money.
You can use that idea. It sure would be a great Video. I also understand that you maybe have not got the time for this. Anyway I think it might be helpful especially for the younger Generation who often uses smartphones/tablets and other electronic devices.
Thank you for the great educational content you are providing.
Why don't you find pirated free series and movies on the internet?
Saving money isn't going to do you much good if you don't have a plan for what you are saving. Never go into debt to buy anything but a house. You'll get charged interest and pay up to 25% more for that item in the long run than if you just saved for it. The incentive to save for a truck, as an example, is going to help you cut back on Hulu resubscriptions a lot more than just saying, "Oh, I have to save money." but not knowing why you need to save money. If you're following a budget and NOT buying frivolous stuff (such as eating out when cooking is cheaper) you're going to save the $2-5k to purchase a pre-owned truck outright in just a few months to a year. Nothing says you're successful like buying a vehicle in cash. No one cares that it's not a new vehicle. The fact that you own it outright from day one is what matters and you're not in debt over it or being raked over the coals by interest rates. That's worth giving up X-Box Live and putting off the wedding till the weather warms up.
Eh disagree. There are times when I think it makes sense to take out debt to pay for something. The trick is to be very honest with yourself about what paying that debt back will look like. How much will you pay in interest, how much can you afford to pay each month, etc. And then you have to have a reasonable plan for paying it back. For instance, yes many people's student loans are ultimately a waste of money. But for me, even though it was a high amount of loan money that I had to take out, the degree I earned with that money majorly increased my earnings potential, to the point that I can live well and still pay my loans off, even pay them off early. Sometimes the thing you are paying for with a loan really can improve your life enough that you are willing to have to utilize debt.
@3:09 I actually am very reluctant to tip on delivery or take out because it just doesn't make any sense to tip unless I'm dining in where there's a waiter. I suppose I would feel more obligated if I lived in a state where tipped employees earn a different wage than non-tipped workers. But quite frankly, tipping on takeout or delivery to me is like tipping at Starbucks.
@10:37 Holy hell! Who the hell spends $100/week per person on food???? That's insanely expensive. I've spent only about $160 on groceries and restaurants this month well below the $210 I allow myself to spend. Who the hell spends $100 week on food? That's just insane!
1:18 there is never any ado :c
Please don’t waste money on meal kits. I don’t understand why people have a hard time looking up a recipe online, going to a grocery story and buying the ingredients. It is waste of money and additional resources that come with shipping.
Chelsea- question about HSA- how much should one have in that account? As in- is there a good upper limit, or should it be treated just like another 401k? (assuming that you have the option to invest with your HSA)
Thanks
Yes, I need help understanding how ro best utilize my HSA. A video I recently saw suggested just letting money accumulate and roll over.
Explanation of FSA wouls be great tooa
The maximum contribution for 2021 is $3,600 if you’re an individual and $7,200 if you’re a family but you need to be on a high deductible health plan.
@@KDYT31 a lot of folks are using HSAs as an additional retirement account - that’s what we do and what we advise our clients to do. So long as you use it for qualified health care expenses, you’re not taxed on the money in, on the money as it grows and also not when you take it out. With HSAs, the money that you have in there is yours even if you leave your employer. With an FSA, you need to use the money that year or it’s gone.
And most HSAs have the option of at least basic investing in target date funds
@@DiamondNestEgg Should one just keep building it? I've been maxing mine out for a few years now- just wondering if I should keep contributing and letting the investments work, or dial it back?
"And this is not to shame any one individual, _Karen,_ [...]"
Ramen noodles and water all day every day, save lots of money
Would love to do that but unfortunately they’re not the healthiest 😅
@@TumiEdun they have baked (not fried) noodles now and they’re really tasty!
I still eat ramen noodles everyday!
May save you money on food, but might increase your medical bills in the long run.
That's assuming the healthcare is free. And even then, time taken from work to treat gastrointestinal troubles will quickly eat into those savings in a long run.
This audio is not as high quality as it usually is. :(
Was that her heater ticking or something in the background? Kept trying to figure that out....
I heard Tilapia and my dinner is Tilapia 😅
Peanut butter is not a protein source, but a fat source with *some* protein in it
Don't buy meal kits. That's one way to save lots of money.
It’s called OPPORTUNITY COST!
Lol even when I was not vegetarian, I was not eating meat every day. Who even can afford that?
... I love this channel but I do not understand how advertising for subscription services goes along with saving money.
There are only 7 changes on the list. #2 is an ad.
♥️
Sardins = Forks = French!!! :0
HSA BAYBEE
🖐🏼🙂
Ads???? Blue Apron?? Wow. Stop peddling
Gross to make an entire list just so you can pretend your sponsor is one of your "tips" ...was the rest of your list similarly compromised? This makes me not trust what you are saying. Especially when the advice is SO obviously bad... The LEAST I can spend is $32 per meal?!?! (Family of 4). That is a great way to go broke. What happened to your ethics?? Don't pay for an overpriced "convenience service" (a tip from one of your previous videos)... instead, create a list of "easy" meals that don't take long to make. I am SUPER disappointed to see you giving out BAD FINANCIAL ADVICE!!! What world even is this? And the fact that you are obviously leading viewers astray to line your own pocket?!? So disappointed in you and this channel.
Yes!!! I have to take her videos with a grain of salt sometimes 🥴🙄
One minute intro and a bazillion affiliate links. Unsub
you pay for youtube tv? why lmao..
Meal preparation aka Blue Aaron is a scam nice try ha
HUSBAND?
When did that happen? Did I miss something?
She’s always been married? Like for years and years?
@@victoriamather2267 Really? Then why are there issues with Marc living in the US?
@@mathildem6714 as someone who works in immigration, getting married doesn’t automatically mean your spouse gets to live here. You can apply for your spouse to be a Legal Permanent Resident, but that can be rejected. They might not have tried to get him LPR status if he has another visa type & the pandemic may have affected his visa
Edit to add: the pandemic has slowed processing for immigration applications down by a lot because USCIS is operating at 20% capacity. Paperwork that I filed in Feb 2020 is barely being addressed now
@@victoriamather2267 Not for years and years. They've been together for years, but it wasn't that long ago that they got married. I don't recall when that was exactly, but it wasn't super long ago.
@@thatjillgirl Ah, thanks! I was not aware that they haven’t been married for a long time.
Live in a country where tips aren't necessary
What country is that?
Italy, but I'd guess we're not the only ones. The price listed on the menu is always assumed to include everything (VAT and tip) plus there's "coperto" which is charged for sitting at a table and the small basket of bread that comes with the food, for restaurants. But we don't have tips for pubs, bars or cafes either. Maybe a coin jar for spare change in some places.
@@carolinecaroline4764 almost any country.
@@carolinecaroline4764 I'm in the UK and tips are only really at restaurants and only ones where you get table service
I'm in uk we don't tip as much as USA, would never tip at Costa or McDonald's would round to nearest pound at a independent coffee sandwich shop maybe 10% at restaurant for dinner, personally with minimum wage I don't tip hairdressers taxis etc but Australia has a no tip culture so do other parts of Europe mainly round up to nearest euro so €46.43 would be €47 at most
Investing in cryptocurrency is one of the best chance of making money 💸
@kate juliet That won't bother you if you trade with a professional like Mr Logan Wayne
Who backs cryptocurrencies? Tina
It's comical that people will argue that eggs aren't meat. Then WTF are they?? It's literally a baby chicken minus one sperm cell. Y'all, I'll go to my grave arguing it's meat.
I think the ethical difference for most people is that eggs aren’t and were never sentient (though the hens obviously are). So while suffering and death are linked to their consumption, it’s easier to ignore than when eating meat. I’m vegetarian and I personally don’t put eggs in my food, if there’s a small amount in something I buy, like some Quorn products, that’s something I’m okay with for the moment.
They literally aren’t meat 🤦🏻♀️”minus one sperm cell” is also how you stay an egg in your mother’s ovaries and uterus...and not a fertilized egg that turns into a fetus. A stand alone egg is VERY DIFFERENT from a fertilized egg which is ALSO very different from a fetus. You wanna know what IS meat? There is a dish called balut. THAT is literally eating a fetus. Wow did you even go to any science classes growing up?
@@annah7648 well the person who commented didn’t appear to be making an ethical argument more like false scientific one lolll and curious that you said you didn’t eat eggs would that mean that you’re vegan? Or not really?
It's not comical, it's a scientific fact. Daunting, I know.
I'm not making a science-fact argument. I'm arguing an opinion. This is obvious by the use of the word "argument" and not "scientific fact + documented, peer-reviewed research-based proof". Y'all need to calm down. You're taking youtube comments way too seriously. It's going to give you hives.
You had me until the vegetarian pitch.....