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Everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.
I’m looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you thing I should be buying?
Keep going mate I started at 41... was in 7K debt and living in my overdraft. I'm now debt free have a 15K emergency fund. 20K saving pot and just surpassed ~$100K. My portfolio is roughly half ETFs and half in individual stocks... I am almost 43 now!
I lost a lot chasing individual stocks and I feel pretty silly for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
Great advice here. I've been in the market for 2 years (and I've done very well) but one rule I follow is that I don't put my money into anything I don't understand... By keeping it simple and leveraging guidance and strategies from a CFA my investments have potentially achieved higher returns. However on average, she takes an agreed %age of earnings, but using her system allows for a more hands-off approach. I conservatively follow *Lina Dineikiene's* recommendations and market entry and exit points, and tbh this makes it possible for me... I am convinced it's not just hard work but smart work:-)
I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years
Sophie Lynn Carrabus is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
I tried to pass along these Chinese traditions to my daughter and grandkids. These traditions made me rich and successful. I have enough money to last my 30 years in retirement. I am living off the interest, so the principle will be passed on to the next generation.
I have 4 children and they still living with me. My elder son is now 26 years old and he makes more money than I do and the only bills he pays is the internet because he’s working from home. I hope and pray that he saves lots of money before he moves out and buy his own house.
Spot on, many Chinese live in a communal system where adult kids don't leave the nest until they marry (allowing them to save for a down payment for their own home while they squat). Once they marry, it is the adult children who buys a home and invite their parents back in to live with them. The parents in turn sell their old house to fund retirement, but the adult children now pays the mortgage and groceries and the older parents are only dipping into their savings for special events & outings. This inter-dependency between the generations can become toxic, as Chinese parents are often entitled to being the "elder" and with it comes no boundaries due to the younger generation having to respect the older generation. It also creates resentment as adult kids feel the extra burden of being supplemental income/support for their aging parents, just because they feel obligated due to their parents raising them.
big family tradition is dead. family is small. Single person family prevails in China. China is Japan 30 years ago. nothing is special for china or chinese people.
Everything you said was true. Im also an amercian born chinese born in the 1950's. The main thing that my parents taught me was also invest your money like real estate or stocks. Thats one of the ways to become financially free and wealthy. I also preached to my adult kids to invest and dont buy things that doesn't provide any financial value.
Thank you Alice for sharing. I especially paid attention to the point about parents being extra frugal for themselves so that they can give their children a better financial headstart.
I like this a lot, keep debt to a minimum. Cut expenses. Develop healthy habits like consistently saving money at regular intervals for investments to help you build wealth. If you work on this, your financial potential will grow exponentially. There are numerous opportunities to make money on the financial market. With the assistance of my financial advisor Susan Kay Mack , I was able to earn my first million dollars through passive investment in a variety of assets and right now my friend is on his way to a million too with her help. Goodluck!
@@phyllisburtonhearsawhoshe really seems to knows her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive.
I'm Chinese Chinese (grew up in China) & now working in London. While this video is inspirational, but its not a good benchmark for comparison. My parents always saved at least half of their income BUT told me quite frankly its not necessarily possible anymore for my generation. Our parents' generation profited from China's big economic growth. They started school around 1970s (China opening up), started working in 1990s (China's economic growth), and achieved significant wealth accumulation since 2000s (China joining WTO - unprecedented economic growth in history). Meanwhile, living cost in China was very very low. So please don't feel bad if you are not achieving over 40% of savings rate as a "Chinese" because: 1) living cost difference - someone from my parents' could save 80% of their income because they can make 100k GBP a year and only needed 20k to live in China for a whole year with a comfortable lifestyle and 2) selling off any apartment you bought in 2000s with 50k GBP can cash out 1-2 million in late 2010s, and this is what a lot of people did.
I really appreciate your start with other cultures and their saving rate. I did a study a couple years ago and it was fascinating. We can do so much better as Americans!
Apparently my son is frugal like a Chinese person. He always says because we had so little when he was small. I joke that he went through the Great Depression thrice even though he is only 15. We had rice and vegetables and eggs though. Honestly, he saves everything. Everytime I end up in a jam financially this 15 year old kid comes to save the day. It's embarrassing. That's why I am learning from you.
Praise to God Almighty!!!!'m favoured, $140k every 3weeks! | can now give back to the locals in my community and also support God's work and the church. God bless America🇺🇸❤️❤️❤️❤️❤️
Good video. While you gave some specific tips, I wish you would have given more. I think much of the savings difference comes from sharing the same house and utilities.
Interesting - thanks for posting. Just curious - these are all great habits in general and obviously reinforced by the culture you grew up in but now that you work and live within a broader culture (multi-cultural) - are there any habits you see elsewhere that you prefer, or incorporate for yourself that differ/added on? For example, I grew up in a culture that is very family-centered (not so much a collectivist culture but the family is the primary unit of support). It is wonderful in many ways, but as I grew up in Canadian culture I personally ended up preferring the culture of having younger kids move towards independence sooner and to learn how to work, manage their own finances, pay rent at a young age as a fast way to learn responsibility and financial mgmt. It didn't always have this result, but I'd say most of my peers were way ahead of me that way. (On the other hand, I was spared from some harsher realities and allowed to focus on personal development, giving time to family members who needed help, not being forced to find a "roommate" to save money, etc - but I'd still would have preferred more value on independence). Just curious - what your thoughts are on that? Good vid though, good tips and insights.
Thanks for the comment! I really value independence and I think living at home for too long will hurt your ability to self actualize. Some of the smartest people I worked with in corporate also moved out at an early age, started working super young, and paid for everything on their own. On the other hand I know many people who want to have that independence but because of the cost of living in Canada it is a stretch financially that is hard to recover from. So it's really tough to say but there has to be a balance between the two.
Wow, great content! I think one important cultural difference between American culture and countries like Korea, Japan and China that inherit a lot of values from Confucianism is some assumptions about how society works. In American cultural values, we have this idea of "equality" -- people ARE equal in terms of their value as persons, but in terms of their genetics and what family they are born into -- two very important factors that are beyond everyone's control, life can be VERY unequal. In contrast, Confucianism does not assume equality. It places great emphasis on how one fits into the social hierarchy - it is clear that there is a hierarchy and that it is not an inherently bad thing. Because of this western and American background, we like to PRETEND that everyone is equal. Which is, of course, ridiculous. Just because the CEO says I can call him/her by his/her first name, does NOT mean we are equals. Similarly, because we like to pretend we are equals, it is hard for Americans to talk with each other about money. As a result, it is hard to learn from others and to improve one's lifestyle. It's kind of like trying to do well in a college class but without having access to a textbook or the course syllabus - success and failure oftentimes come from trial and error or through imitation rather than understanding. Thankfully, these days, social media and podcasts such as "The Money Guy" show and "The Ramsey Show" provide some forum where people can ask questions and get answers. Also, related to history, China, Korea and Japan have had very tumultuous histories in the 20th century and I'm sure many living parents and grandparents now have experienced some extreme hardships and have learned to exercise strong financial self-control. My wife grew up in the shadow of the "Great Leap Forward" in China and had to endure some food shortages that many Americans can't imagine.
Im Filipino, 42, and still living with my Mom or our home. Even though I can afford to build my own house I see no reason to build it at this time. I keep investing and saving money instead. One day if I see the need to have my own house then maybe that's the time.
My wife is Chinese and we have been married for 30 years. I believe all these items to my core. I joke with my wife while I may be caucasian I identify as Chinese. Lol. And yes, believing like this will make you wealthy.
When I owned my business gross saving rate for me was 90% after tax money…. My father thought me that you decide how much money you want to save and then decide your budget.
You aren't giving the whole story though. A skyscraper can go up in a month in China because safety regulations for both construction and workers is extremely weak. I absolutely wish things got fixed and built faster in North America but it is misleading to say that China is more efficient and can produce the same quality as North America with many many things. I lived in a China for a while and am married to a mainlander, so we do have that saving mindset, but ask any ML Chinese if they trust build quality or if a new building should be left to "air out" for weeks?
Unfortunately people had to go through poverty back then esting what they could forage. Still does hapoen today in rural China. Not everyone moved to the city.
It’s not far off from how western cultures were not long ago. More similarity than differences. I knew some people who would relish the toilet only ever 4 uses to save water. A bit outlandish
Saving 50% when you're young is really high. The military, on base, no car? Yes, did that. At home? Sure. An AT savings rate of 20% is really good on your own, right? Thank you!
If you have a 401k or 403b available to you where you work, then the minimum investment should be around 10% plus the company match. Then every time you get a raise increase the 10% by 1% and pretty soon you shall be saving a ton of money for retirement.
Exact Same we do in the Russian and Eastern European cultures. Must be the communist countries mentality. Which is great and very helpful mentality and our future.
@@markbrown5117 I prefer to give a share of stock to both of my grandchildren. Yes, it’s not exactly exciting but I tell & show them they are a tiny owner if the company.
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Why Net Worth Skyrockets At 100k 🚀
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Please how ?
Am a born Christian and sometimes I feel so down 😭 of myself because of low finance but I still believe God😞
It's Maria Angelina Alexander doing she's changed my life. A BROKER- like her is what you need.
$356K monthly is something you should feel differently about....
Lovely! I enjoyed it like I enjoy a $100k monthly around the turn!!!
Every family has that one person who will break the family financial struggle, I hope you become the one
Everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.
I’m looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you thing I should be buying?
Crypto/stock investment but you will need a professional help on that
She's active on face book @
Kate Mellon Bruce
Watching in my 40s... And only just starting investing I feel so behind!
Gotta start somewhere
Keep going mate I started at 41... was in 7K debt and living in my overdraft. I'm now debt free have a 15K emergency fund. 20K saving pot and just surpassed ~$100K. My portfolio is roughly half ETFs and half in individual stocks... I am almost 43 now!
I lost a lot chasing individual stocks and I feel pretty silly for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
You still have time , keep on dca into your asset of choice.
Great advice here. I've been in the market for 2 years (and I've done very well) but one rule I follow is that I don't put my money into anything I don't understand... By keeping it simple and leveraging guidance and strategies from a CFA my investments have potentially achieved higher returns. However on average, she takes an agreed %age of earnings, but using her system allows for a more hands-off approach. I conservatively follow *Lina Dineikiene's* recommendations and market entry and exit points, and tbh this makes it possible for me... I am convinced it's not just hard work but smart work:-)
I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
Considering the prevailing economic climate, I recommend seeking a mentor or a knowledgeable advisor who can provide guidance and support.
I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years
@@PatrickLloyd- Interesting, I could really use the expertise of this advisors, who's the person guiding you?
Sophie Lynn Carrabus is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
“How you do one thing is how you do everything.” Truth!
not really
yes!
I tried to pass along these Chinese traditions to my daughter and grandkids. These traditions made me rich and successful. I have enough money to last my 30 years in retirement. I am living off the interest, so the principle will be passed on to the next generation.
How did you do it? Please teach me.
@LYINKIN I asked Jesus to come into my heart to be my Lord and Savior. The bible said I can do all things through Christ who strengthens me.
That's awesome!
I have 4 children and they still living with me. My elder son is now 26 years old and he makes more money than I do and the only bills he pays is the internet because he’s working from home. I hope and pray that he saves lots of money before he moves out and buy his own house.
Thanks for sharing!
Your son is a selfish freeloader that should be helping you with the bills. 🤦🏼♀️
Spot on, many Chinese live in a communal system where adult kids don't leave the nest until they marry (allowing them to save for a down payment for their own home while they squat). Once they marry, it is the adult children who buys a home and invite their parents back in to live with them. The parents in turn sell their old house to fund retirement, but the adult children now pays the mortgage and groceries and the older parents are only dipping into their savings for special events & outings. This inter-dependency between the generations can become toxic, as Chinese parents are often entitled to being the "elder" and with it comes no boundaries due to the younger generation having to respect the older generation. It also creates resentment as adult kids feel the extra burden of being supplemental income/support for their aging parents, just because they feel obligated due to their parents raising them.
big family tradition is dead. family is small. Single person family prevails in China. China is Japan 30 years ago. nothing is special for china or chinese people.
Same story in India too😢
Summed it up nicely. Felt that when I was young. The obligation was already set in stone decades ahead.
that's exactly how it is, thanks for the comment!
Everything you said was true. Im also an amercian born chinese born in the 1950's. The main thing that my parents taught me was also invest your money like real estate or stocks. Thats one of the ways to become financially free and wealthy. I also preached to my adult kids to invest and dont buy things that doesn't provide any financial value.
Yes investing is a must! Thanks for watching and hope you're cash flow-ing! ❤
I enjoy reading how people from other culture handle money. It's very enlightening.
Thanks for watching, glad you enjoyed!
Thank you Alice for sharing. I especially paid attention to the point about parents being extra frugal for themselves so that they can give their children a better financial headstart.
Yes thanks for watching!
no one talk about secret books on nixorus, how much people live in trance lol
I like this a lot, keep debt to a minimum. Cut expenses. Develop healthy habits like consistently saving money at regular intervals for investments to help you build wealth. If you work on this, your financial potential will grow exponentially. There are numerous opportunities to make money on the financial market. With the assistance of my financial advisor Susan Kay Mack , I was able to earn my first million dollars through passive investment in a variety of assets and right now my friend is on his way to a million too with her help. Goodluck!
Truly these are the best investment decision you can make both short term and long term for steady money flow. Kudos
recently started saving for retirement and I don't mind investing a substantial sum, i'd like to know your advisor ?
Thanks. Looking forward to working with her.
Look her up, she’s not hard to find.
@@phyllisburtonhearsawhoshe really seems to knows her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive.
I'm Chinese Chinese (grew up in China) & now working in London. While this video is inspirational, but its not a good benchmark for comparison. My parents always saved at least half of their income BUT told me quite frankly its not necessarily possible anymore for my generation. Our parents' generation profited from China's big economic growth. They started school around 1970s (China opening up), started working in 1990s (China's economic growth), and achieved significant wealth accumulation since 2000s (China joining WTO - unprecedented economic growth in history). Meanwhile, living cost in China was very very low. So please don't feel bad if you are not achieving over 40% of savings rate as a "Chinese" because: 1) living cost difference - someone from my parents' could save 80% of their income because they can make 100k GBP a year and only needed 20k to live in China for a whole year with a comfortable lifestyle and 2) selling off any apartment you bought in 2000s with 50k GBP can cash out 1-2 million in late 2010s, and this is what a lot of people did.
Wow 😲😲
I really appreciate your start with other cultures and their saving rate. I did a study a couple years ago and it was fascinating. We can do so much better as Americans!
I grew up very poor, and after decades of no longer being poor, I retain some of those frugal habits.
Me too, lol!
I think I maybe Chinese, LOL! Thank you for sharing these great savings tips!
Apparently my son is frugal like a Chinese person. He always says because we had so little when he was small. I joke that he went through the Great Depression thrice even though he is only 15. We had rice and vegetables and eggs though. Honestly, he saves everything. Everytime I end up in a jam financially this 15 year old kid comes to save the day. It's embarrassing. That's why I am learning from you.
Praise to God Almighty!!!!'m favoured, $140k every 3weeks! | can now give back to the locals in my community and also support God's work and the church. God bless America🇺🇸❤️❤️❤️❤️❤️
I believe when God blessess it exceeds beyond my expectation. I know my Father in heaven is a generous father who provides the needs of his children感
I'm 37 and have been looking for ways to be successful, please how??
You can message her here 👇👇
She will definitely guide you
Good information thanks
This is so true and that is why I like Chinese people
Spoken like a true Chinese haha. I especially like points 1 and 2. Just doing that will get you far and set you up for a nice future.
Good video. While you gave some specific tips, I wish you would have given more. I think much of the savings difference comes from sharing the same house and utilities.
That was interesting. Thanks for sharing! With ❤ Rikki.
Thanks Rikki!
Interesting - thanks for posting. Just curious - these are all great habits in general and obviously reinforced by the culture you grew up in but now that you work and live within a broader culture (multi-cultural) - are there any habits you see elsewhere that you prefer, or incorporate for yourself that differ/added on? For example, I grew up in a culture that is very family-centered (not so much a collectivist culture but the family is the primary unit of support). It is wonderful in many ways, but as I grew up in Canadian culture I personally ended up preferring the culture of having younger kids move towards independence sooner and to learn how to work, manage their own finances, pay rent at a young age as a fast way to learn responsibility and financial mgmt. It didn't always have this result, but I'd say most of my peers were way ahead of me that way. (On the other hand, I was spared from some harsher realities and allowed to focus on personal development, giving time to family members who needed help, not being forced to find a "roommate" to save money, etc - but I'd still would have preferred more value on independence).
Just curious - what your thoughts are on that?
Good vid though, good tips and insights.
Thanks for the comment! I really value independence and I think living at home for too long will hurt your ability to self actualize. Some of the smartest people I worked with in corporate also moved out at an early age, started working super young, and paid for everything on their own. On the other hand I know many people who want to have that independence but because of the cost of living in Canada it is a stretch financially that is hard to recover from. So it's really tough to say but there has to be a balance between the two.
@@AliceCeeCPA Yes - I see that affordability issue affecting younger Gen Canadians, but you're right - a balance is an ideal.
Wow, great content! I think one important cultural difference between American culture and countries like Korea, Japan and China that inherit a lot of values from Confucianism is some assumptions about how society works.
In American cultural values, we have this idea of "equality" -- people ARE equal in terms of their value as persons, but in terms of their genetics and what family they are born into -- two very important factors that are beyond everyone's control, life can be VERY unequal. In contrast, Confucianism does not assume equality. It places great emphasis on how one fits into the social hierarchy - it is clear that there is a hierarchy and that it is not an inherently bad thing.
Because of this western and American background, we like to PRETEND that everyone is equal. Which is, of course, ridiculous. Just because the CEO says I can call him/her by his/her first name, does NOT mean we are equals. Similarly, because we like to pretend we are equals, it is hard for Americans to talk with each other about money. As a result, it is hard to learn from others and to improve one's lifestyle. It's kind of like trying to do well in a college class but without having access to a textbook or the course syllabus - success and failure oftentimes come from trial and error or through imitation rather than understanding. Thankfully, these days, social media and podcasts such as "The Money Guy" show and "The Ramsey Show" provide some forum where people can ask questions and get answers.
Also, related to history, China, Korea and Japan have had very tumultuous histories in the 20th century and I'm sure many living parents and grandparents now have experienced some extreme hardships and have learned to exercise strong financial self-control. My wife grew up in the shadow of the "Great Leap Forward" in China and had to endure some food shortages that many Americans can't imagine.
Im Filipino, 42, and still living with my Mom or our home. Even though I can afford to build my own house I see no reason to build it at this time. I keep investing and saving money instead. One day if I see the need to have my own house then maybe that's the time.
Keep saving and investing!
I like your Video Mrs. Alice I always been passionate about Asia culture enjoy the food 🍱 awesome ways Asia saved. And I have traveled to Korean.
I have travelled to Korea before too! I like it there
I like that idea, my wife and I can do that when she starts working. The rest we can invest
My wife is Chinese and we have been married for 30 years. I believe all these items to my core. I joke with my wife while I may be caucasian I identify as Chinese. Lol. And yes, believing like this will make you wealthy.
When I owned my business gross saving rate for me was 90% after tax money…. My father thought me that you decide how much money you want to save and then decide your budget.
90% is a lot! Yes you decide how much you save, exactly :)
Great video, thanks for sharing 👍
What a great foundation.
You aren't giving the whole story though. A skyscraper can go up in a month in China because safety regulations for both construction and workers is extremely weak. I absolutely wish things got fixed and built faster in North America but it is misleading to say that China is more efficient and can produce the same quality as North America with many many things. I lived in a China for a while and am married to a mainlander, so we do have that saving mindset, but ask any ML Chinese if they trust build quality or if a new building should be left to "air out" for weeks?
@@dr.baobao I agree. The regulations are less restrictive, material and workmanship are lower.
Huh???
Exactly
yes I forgot to talk about that, very important!
Unfortunately people had to go through poverty back then esting what they could forage.
Still does hapoen today in rural China. Not everyone moved to the city.
Good Job. Keep up the good work
Thank you!
Yeah the Chinese built skyscrapers in a month because they cut corners. Let’s not forget these buildings also collapse in record time.
very nice talk
Beautiful message there Big Sis
Thank you! ❤
It’s not far off from how western cultures were not long ago.
More similarity than differences.
I knew some people who would relish the toilet only ever 4 uses to save water. A bit outlandish
Saving 50% when you're young is really high. The military, on base, no car? Yes, did that. At home? Sure. An AT savings rate of 20% is really good on your own, right? Thank you!
20% is excellent :)
If you have a 401k or 403b available to you where you work, then the minimum investment should be around 10% plus the company match. Then every time you get a raise increase the 10% by 1% and pretty soon you shall be saving a ton of money for retirement.
Wish I had heard this earlier,especially saving at least 50% before I got married. Thank you for the information. From Swaziland
Amen 😢😢😢❤❤❤❤😊😊 I would love when you pray for me, going through a rough time at work, and life is heavy on me
Saving for the future great... but, I know many Asian that don't know when the future have arrived.....lol
I can singlehanddely build a skyscraper using styrofoam in 3 days, Americans can learn a thing or 2 from me about efficiency
Exact Same we do in the Russian and Eastern European cultures. Must be the communist countries mentality. Which is great and very helpful mentality and our future.
How do you feel about giving gifts over the Christmas Holidays?
@@markbrown5117 I prefer to give a share of stock to both of my grandchildren. Yes, it’s not exactly exciting but I tell & show them they are a tiny owner if the company.
We do this mostly just for the kids!
I can do 28%
ALICE guO😊
You mean “red packet” money.
Hongbao 🧧
Zero red tape that why thing get build faster. No need for building inspectors and environmental impact guidelines.
Do you know Chinese?
Someone told me it's the toughest language of universe
It's red packet, not pocket...
In Mandarin: hong bao
In Hokkien: ang pow
Lai see in Cantonese
Buy real estate… 😂
How to be a cheapskate like Chinese 😂