🏆 Learn how to save $1,000 for the 2025 New Year WITHOUT changing your lifestyle in my free 5-Day $1,000 Savings Challenge starting Jan 6th → learn.vincentchan.co/save1k-1?
It always blows my mind to hear about people having a wedding, going on a honeymoon, and buying a house in one year. Then they start the renovations… like how?! I understand they probably have debt but how do they even afford the payments? Everyone makes it seem so easy
I see the same things with my coworkers. They all seem to be so rich, but we all make the same amount of money. They drive G Wagons, have designer clothing, handbags, eat out, vacation and the latest gadgets.
I know several people who have parents who paid for the majority of their children's wedding or gave them a wedding gift in the form of the complete down payment for a home, or both.
@@mocheen4837they don't contribute or max out their 401k or ira or if they did, they have done so very early on in their careers and now that their investments have taken off, they can splurge. Ex: I had about 1M invested at the beginning of 2024 that took me 15 years of saving $3k/month. Towards the end of 2024, that 1M grew to 1.2M. Eventhough I only make 90k/year my investment made double my salary this year.
I know a couple who has a house, fancy items, etc. They are a lawyer and an engineer. But they're living paycheck to paycheck and getting money from relatives. The biggest expense by far is their home and upgrades like a new roof. If they appear rich, it's because they spent the money.
Can’t talk abou na but in my country a lot of times is the parents that pay for the weeding and with some people even the downpayment usually depends on your socio economic class and if they are homeowners.
I love looking average, but not having a car payment, credit card debt, or a huge mortgage. I don’t drive a fancy car, I don’t take vacations I can’t pay cash for, I don’t make ANY attempt to keep up with the Jones’. I’m investing in a future that will allow me to live comfortably in retirement. Life is good! Great video! Thank you!
@@mizbootsie8175 They probably have no idea you have a seven-figure net worth because of the house you own, the car you drive, or the clothes you wear, LOL!
I used to buy into that cliche. Never compare yourself to others (above or below you) to gauge your own worth. If what you have now is enough, then you’re good. If you do look above, look at it through the lens of inspiration, not envy.
Right and the strange thing is, alot of CC welcome offers could cover most of that trip just by redeeming accumulated points through planing. Usually the Waldorf is book five night get one free. Sounds like she dodge a bullet.
I got no car payments (own 2), no credit card debt, no medical debts, no student loans, only my mortgage and invest 23% of my income into retirement and put all my spare change into stocks. I think one day I will make it. Probably sooner rather than later. I also put an extra $400 towards my mortgage principal monthly. I stay artificially broke. I will never stress over money again my entire life. I simply refuse to struggle after spending over a decade doing that!
My dad was an accountant and taught me good money habits growing up. I've lived a frugal life after I moved out at 19. Some of the more extreme examples are drove a car that ran alright but the back bumper was held on with duct tape and there was a big dent in the door for years and I had the same $80 flip phone on the cheapest plan for 8 years until the phone company shut down the network that it ran on and I had to finally buy a new one. We bought our first place in our mid 20s in one of the most expensive areas of the country because that's where we lived and worked. In our mid 30s we moved to the cheapest part of the country and bought a 5 bedroom house outright. Now in our late 30s we are financially independent and last year I got to quit the job that I hated and don't have to work anymore. My friends on social media don't know any of this because I don't post about that stuff. The only things I post are nature pictures that I take during my walks, pictures of my cat or art that I have created.
My zits started going away when I stopped cleansing so hard and started focusing on hydration. I used to wash twice a day with foaming cleanser, but I switched to a non foaming cleanser at night and just splashing with water in the morning. Then a medium lotion morning and night. I also added the ordinary hyaluronic acid but it’s not necessary (just makes my skin look nicer). After about a month of that (and getting used to skin that felt less squeaky clean), my skin became less oily, the little bumps went away, and the big zits went away. I think as teenagers we’re told we get zits because we don’t cleanse well enough, so we cleanse too hard, leading to zits… not always the case, but it’s worth a try!
I buy everything on a credit card for the points but I pay it off almost immediately if not by month end. I’m curious to see what percentage of credit card debt is rolled over from month to month. I feel like that would be a better gauge of financial health rather than just “total credit card debt.”
this!! people tell me using credit cards for everything is irresponsible... but i pay off my card every week so my credit balance is always around 1-5%😭
Paying off your credit card isn’t “playing with financial fire” 🙄 Managing a credit card isn’t that hard if you only put purchases on it that you’ve already budgeted for. Ie, if you’ve budgeted for small purchases and would’ve paid for it from your debit account otherwise, it’s fine. If you put large purchases on it where you’ve already set aside the money in a savings account (a high yield savings account, even), it’s fine. I make purchases with my card each month, but pay it off twice a month and it’s fine. (The first time is before the FICO estimator I check updates and the second time before the end of my card’s due date.) There’s literally nothing wrong with it, it’s just another way to spend money. Credit isn’t the Devil just because some people are irresponsible with it. And the solution to financial responsibility isn’t to demonize money in general, or credit specifically, but to learn you how to manage it.
Something that’s also worth considering when you combine some of the reasons you mentioned: often what one person finds to be a fulfilling career is just going to make less money than somebody else’s satisfying career. Folks who are in the entertainment industry (actors, athletes, influencers) often earn a lot more money than other career fields. But even though I don’t want to be in those industries and those people all have a lot more money than I ever will, that doesn’t bother me because that’s not what I’m trying to do or who I want to be. In general, the less someone compares oneself to others, the more one can achieve one’s own goals.
As someone who lives in LA and knows tons and actors and influencers, let me tell you, no most of them are not making much money. Again, that's survivor bias at play for you. Just like any career field, there are a small handful of actors and influencers who make a lot of money, but the rest are struggling.
Acne: change your diet. Find out what food is causing you inflammation of the skin then eliminate that food and watch the body work miracles. I’d start with dairy but do your own research. There are a lot of good books on this.
This is the real answer. You’re not going to find a cleanser or retinol etc that solves the problem. That’s just treating the symptom and it’s not going to be effective at all. Focus on diet, 100%. If your skin is angry, this usually means your gut is angry. Try eliminating added sugars. Try eliminating processed foods, especially carbs (chips, crackers, packaged breads, etc).
Vincent for your pimples, find a good cleanser, a really good face cream with lots of hydration, start with a small dose of retinol (like 0.03-0.05) and protect your face from the sun. These are the basics but many people just don’t do these steps properly.
Good advice! I recently got a lot of them for the first time and retinol helped wonders. I use a good cleanser twice a day (morning and before sleeping), going to the gym or having some intense activity also helped me reduce stress: the reason I got them in the first place.
For all the people that don’t understand and probably no one tells you because is not cool…I’ll explain it to you. A lot of people have grandparents, one day they die and leave a decent amount of money and properties. I know it sounds crazy but a lot of families are not broke or broken and manage to pass wealth to the next generation that builds more wealth and passes to the other one. The numbers are shocking. The amount of people that have a regular jobs and have wealth passed from the previous generation is unbelievable. They will never tell you that. NEVER!
Many people might fund a lavish lifestyle through debt or only showcase the highlights on social media. Additionally, individual financial situations differ due to factors like cost of living, family obligations, and other “invisible” expenses. Comparing ourselves to others based on what we see on the surface often provides an incomplete picture and can lead to unnecessary self-doubt. More importantly, instead of obsessing over “who’s richer,” we should focus on our own financial goals and strategies that align with our personal circumstances.
thank u for this i really need this rn ☹️ as someone who decided to pursue degree in her late 20s and seeing all my friends having stable job and spending luxuriously.. its hard not to compare my situation with theirs. i shut down my social medias due to the pressure
this is one of the greatest RUclips videos about people making stupid financial decisions that they can't afford that I've ever scene. as he's making correct and relevant answers to all the topics he's talking about. Great job
My Christmas present to myself was buying a couple stocks I’d been eyeing for awhile and maxing out my Roth and it FELT GOOD. I also felt no need to share it with anyone else because I did it for myself not the approval of others
I agree that having a growth mindset is the true key to "success." That said, only you could define "success," which is largely dependent on your perception of the world. Great content!
Amazing video. Agree with what you say about not comparing because we don't know the whole story. Most people I knew who were posting about things online that made seem like they had money, happy marriages, etc. were just keeping up an image. Most had marriage issues or they were broke and living off of debt. I sometimes have people raise an eyebrow or chuckle at some of my frugal habits but when there is an economic downturn or something comes up that I need money for, I am not panicking.
For the pimples try a mix of coconut oil and tea tree oil. It will deflame the area and cleanse it at the same time. That is what I use. And try adding more fruits and veggies to your diet and less processed foods. It works wonders bro 🔥. Thank you so much for all of the financial advice in your videos. It’s changing my life man! Keep growing on your journey!
Maybe I'm too old or I'm not in similar social circles but I don't feel everyone to have more money/make more than I do. And I'm not rich or "comfortable" or FIRE. Is the main topic a common perception?
Ooh! I got rid of pimples by splashing cold water on my face. When you take a shower, if you take hot showers, wash your face with soap at the end and then when you are done splash some cold water on your face to cool down. It has helped me a ton. Rarely any pimples any more.
Hi Vincent. I struggles with my pimples all my life , what it helped me was the prescription Azeleic acid 15% and prescription 0.025% or 0.5 % Tretinoin Also , I used radio frequency wand to zap the new coming pimples. In addition, changing diet definitely will help you with pimples.
Great video! Thank you 😊 As a person who had a face full of constant, painful boils and pimples in my teens, I've learned that the fastest way to treat an occasional pimple is to not pop it, gently clean the area, apply cold compress if there's redness, apply toner(I like witch hazel)/crushed aspirin, and use color correction if attending something that really demands formal presentation (sometimes seeing fast results within 3 days with this method where the spot has calmed down and a less-raised surface). If the pimple is popped, clean first with a facial cleanser and follow the best care routine recommended depending on your skin type to balance moisture depending on your natural oils. Give yourself grace and kindness after applying what you can to manage stress elevated from treating your pimples. If you notice the frequency of acne is consistent, reach out to a dermatologist for help if you can.
I use to think those with the constant vacations, newest clothes, awesome trips, nice cars or constantly going out often are actually in more financial trouble than what it seems. Priorities. It’s like they are enjoying life now but will struggle later vs what I’m doing, sacrificing now to enjoy life later.
Thank you for the time you put into making your videos. It has built my investments up to $7000 in just a few months. I started using the 50/30/20 rule right when I received my paycheck. I don't even feel like I changed my spending habits. I just have more money! I make 50k a year working a job I hate, but I'm putting away $300-$400 every two weeks. Without your videos I wouldn't have built my portfolio to where it's at today. Thank you.
There are also so many services that allow you to rent luxury stuff. You can rent a private jet set, yes the set, not the jet itself. You can rent models. You can rent bags, watches, suits, cars, everything by the hour. Most of those fake rich influencers who try to hustle people for money often do these things to make it seem as if their strategy is valid.
Kudos to you for calling out the acne yourself instead of letting it affect you negatively. I use Basiron AC gel (benzoyl peroxide) if I start breaking out. I usually leave it on before bed
thanks Vincent for the encouragement to continue saving! I love these books and your advice is fantastic. I would join your class, but I don't need it and will leave the spot open for someone who does!😄
The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time. Individuals can seek counsel from a certified financial advisor to optimise financial outcomes, who can provide specialised advice and methods to decrease expenses and maximise income.
I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky” for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for this tip. it was easy to find your coach. and I conducted thorough research on her credentials before scheduling a call with her. Based on her résumé, she appears to possess a high level of proficiency, and I am grateful for the opportunity to speak with her.
I love my hobby, which has long been my profession (for around 20 years). This video is very close to the truth, many people build up high walls around topics that make them uncomfortable, resulting in this distorted view of the world. There are only a few people who only dress up when there is an official occasion, many live beyond their means. The truth is often much further away from what is lived. We should be honest, it is precisely for this reason that credit transactions exist, people want to live beyond their means, even if only for a short time. Those who have no debts (i.e. no leasing), investments and cash for more than 1 year have a certain financial security. They are the ones that are financially stable.
I do not understand people who feel embarrassed about driving a beat up Hooptie, or normal clothes. I personally don’t give a fuck, I’m trying to make sure I’m not old and poor.
*Excellent insight.* As for pimples, they never go away. Except & let go of the "pimples" in your life. Before you know it (in the blink of an eye) you will be 60 and the pimples that plagued your life will still be there but diagnosed as rosacea, acne for old people😅 Best to you, Vincent.
As someone with stubborn acne I appreciate the fact you don't hide yours. That being said, my dermatologist prescribed isotretinoin and it's helped IMMENSELY!🙏🏿 Thanks for a great video to start the year!
A much needed video! I have just graduated and i am constantly questioning abilities and comparing myself to everyone else. It really affects my day to day activities. I feel anxious about getting a job
advice for clear skin. just eat a carnivore diet or even better raw primal diet. if you can not follow this, eliminate at least all processed food and try to avoid legumes and milk (if you cant handle them). also be mindful of agrochemicals. they are often sprayed on fruits. the easiest way is just to eat fatty beef and drink water
For me pimples are always a diet thing. If I eat peanut butter pimples are guaranteed. Also, replacing bedsheets especially pillow cases weekly is important.
Things that have worked for my son and his acne journey. Baby soap as a face wash 2x a day. Differin acne gel (available OTC). Zinc based sunscreen. He does not use a face lotion because he doesn't like the feel. Washing his pillowcases at least once a week.
To see how much you care about other people's "validation" or the need to "flex" I front or on other people. Stop putting photos online and think about how you feel about "the purchase" the "location" the "event." Instead of posting it online, don't. No one will know you, "did it." Then you can really understand your motives behind it. If you still feel amazing about massive credit card debt, we'll done you. If the event really gets you excited, cool. If you do t care 6 you can't make others jealous or show others how amazing you are. It says a hell of a lot about your motivation in life.
I've always wondered why people focused on extreme money saving. Isn't the purpose to become financially independent so you can do what you want in life? Why can't you do that right away with the money you earn? There's a time value of money and also time value of your experiences right?
I’m 28 and still struggle with acne bro. I’m with you on that one 😂 I’ve used every skin care product, went to the gym, ate clean. Idk it never stops man
This was just for me since 2020 I always felt lost in life still do. I am great at poetry, woodshop, drawing but it's not getting noticed profit wise. I always compared myself because I never grew up on how to love me as an individual.
I paid off my house in April 2024. I have not increased my overall spending. I would say I spend about $2,000/month on everything. Thankfully, my job pays for phone and internet. Not gonna say how much I make, but most people would buy a tesla, a bigger house, more luxury stuff, etc. Anywho, I would like to go on a nice vacation this year.
You really dig into the true source of wealth and poverty - psychology. It really starts with our minds to get out of poverty and build wealth. Great video. Thank you!
I've only ever flown first class once in my life. I was bumped from coach and had a connection to an international flight so they bumped me to first class and gave me a voucher for business class on the return leg. I was traveling return with my wife so I gave her the business class leg on the way back. Most of the adults I know are millionaires. They all look ordinary and dress casually and you might even think that they look poor, by their clothes or vehicle.
Some folks could make bad choices, focus on the exception or focus on the wrong things because they lack critical thinking skills or discipline. They are swayed or convinced easily by what they see in person or online. Money is a symptom on failing to adult. Not something a RUclips video or two can fix unfortunately.
And with the growing wealth inequality, this issue is only gonna get worse. It is statistically evident, that more unequal societies are less content with their lives than a lower GDP society that is less unequal and unfair.
I’m 34 and finally made 6 figures for the first time in my life, and only working 40 hrs a week too. But heeeeey guess, that means jack squat in 2025. I’ll probably empty my savings account to PAY taxes for last year, the same account I struggled to build. I have managed to put a couple grand into an investment account though. For the first time in my life I’m making more than my parents combined and it seems like everyone else and their brother STILL are ahead of me. I try to treat myself to a really nice restaurant from time to time, but nope… lines out the door. Needed to buy a newer car a few ago since my old one was costing more to maintain than it’s worth… nope!! Nothing decent in stock that isn’t 10-15k marked up. I travel for work sometimes so I thought I’d set up an account for high tier car rentals and hotel rewards… nope, hotels don’t have upgrades bc the rooms are all occupied and I end up just settling for a small car anyway.. how the absolute eff is everyone else affording this shit too!!!? I’m finally doing well and it’s like I’m back to making 30k all over again. What’s the point of making six figures if literally everyone else seems to be making it too. Must be the new 50k
Social media has encouraged everyone to "keep up with the Joneses". I used to to do this and end up severely in debt. I have paid down most and I have learned my lesson that I should not put everything on credit. Also, if you're interested in human psychology, there is is a dark comedy movie called "The Joneses". Everything in that movie is playing out in real life wherein people are repeatedly buying the stuff they see on social media.
For acne, I 10/10 recommend seeing a dermatologist and asking about tretinoin. It also helps with fine lines and wrinkles, not that you need that benefit, but just so you know :)
🙏 Thanks for your points in this video - very grounding and stops my catastrophising! For your pimples - I've been there! 😢 Have you tried using retinol? Start mild, apply at night, (make sure you wash with a hydrating cleanser and follow with a skin barrier repairing moisturiser) and wear SPF. Also, try not to touch your face!
For your acne, wash face only with water in the morning, moisturize, and use sunscreen during the day. Use Cosrx cleanser at night, then moisturize. Drink plenty of water during the day and introduce garlic and onion into your diet. Enjoy!
Breaking up with GF, if she was high maintenance, would be like getting a raise. Spending on CC to make her jealous, is being a simp. Do better next time.
I will say everyone is better than me at getting into debt. I honestly can’t get into it. Literally I’ve got over a million liquid and can’t even borrow $500k for a home with an 800+ credit score and $300k in available credit cards. This is dead serious I can’t get a home loan.
@ they don’t have one. They get scared of the liquid cash I have. I swear everyone is in debt and broke. They get scared that I have a million in safety deposit boxes and only $200k-$300k in the banks. They look at me like I’m nuts having a million dollars. I’m literally around people with a lot more than me. It’s so broad. Either people are massive debt or massive rich and no debt.
My GF got mystery pimples anytime she ate ice-cream.. it could have been either the dairy or the sugar... but her skin cleared up when she stopped.. worth a try!
I'm 35, been maxing out my roth ira for a few years, but just freed up enough money to finally be able to max out my 401k as well... Excited to finally reach that, and be able to keep it up each year.
Man,this video is amazing 👌 You speak the truth which it hurts just the fake rich Just to let you know you are not alone with the way you this about life 💪🏻
Sometimes it boils down to personal preference as well. I can either drive a Honda Civic or a Porsche 911. Of course I would rather have the Porsche, but practically speaking the Honda makes the most sense. If you are a multimillionaire, then you might opt for the Porsche. People like nice things and some will spend more than they have to own the nicer items. You should be fiscally responsible with your choices when deciding.
That's a stupid take. I'm a multimillionaire and prefer having the money over a porsche. That 150k porsche (purchase price alone) is going to cost me anywhere from 800k (7%) to 2.5M 12%) at age 60. That's not counting the maintenance cost and insurance of owning one ($500/month) As much as I want a porsche to look cool, I'd rather have that money in the bank to spend when I'm 60 years old.
See a dermatologist, get a prescription for tretinoin. Get a good sunscreen to apply to your face too if you end up using a prescription retinol. You can keep your face hydrated using squalane oil after you shower or wash your face.
Pimple tip: don't touch your face if you can help it. In sections of your videos, you are touching parts of your face which may cause pimples. You may be doing it unconsciously so try to stop yourself if you can P/s: Also enjoyed the video
My wife and I have a yearly household income of something over 300k. We have no kids and live in a 3 room apartment (here in Switzerland), one old used Japanese car, I have no branded clothes, most of them I even tailored myself. We have one long holiday a year, we fly economy, we stay in normal hotels mostly, sometimes even in hostels, we have no debt of any kind ... but yeah, it feels sometimes like every one else is far ahead of us.... although when I see the numbers we surely have more than average income
🏆 Learn how to save $1,000 for the 2025 New Year WITHOUT changing your lifestyle in my free 5-Day $1,000 Savings Challenge starting Jan 6th → learn.vincentchan.co/save1k-1?
It always blows my mind to hear about people having a wedding, going on a honeymoon, and buying a house in one year. Then they start the renovations… like how?! I understand they probably have debt but how do they even afford the payments? Everyone makes it seem so easy
I see the same things with my coworkers. They all seem to be so rich, but we all make the same amount of money. They drive G Wagons, have designer clothing, handbags, eat out, vacation and the latest gadgets.
I know several people who have parents who paid for the majority of their children's wedding or gave them a wedding gift in the form of the complete down payment for a home, or both.
@@mocheen4837they don't contribute or max out their 401k or ira or if they did, they have done so very early on in their careers and now that their investments have taken off, they can splurge.
Ex: I had about 1M invested at the beginning of 2024 that took me 15 years of saving $3k/month. Towards the end of 2024, that 1M grew to 1.2M. Eventhough I only make 90k/year my investment made double my salary this year.
I know a couple who has a house, fancy items, etc. They are a lawyer and an engineer. But they're living paycheck to paycheck and getting money from relatives. The biggest expense by far is their home and upgrades like a new roof. If they appear rich, it's because they spent the money.
Can’t talk abou na but in my country a lot of times is the parents that pay for the weeding and with some people even the downpayment usually depends on your socio economic class and if they are homeowners.
I love looking average, but not having a car payment, credit card debt, or a huge mortgage. I don’t drive a fancy car, I don’t take vacations I can’t pay cash for, I don’t make ANY attempt to keep up with the Jones’. I’m investing in a future that will allow me to live comfortably in retirement. Life is good! Great video! Thank you!
Exactly. I dont care about luxury or status items. Or what anyone thinks about what I do or don't have!
@@mizbootsie8175 They probably have no idea you have a seven-figure net worth because of the house you own, the car you drive, or the clothes you wear, LOL!
And then u die at 50 due hartfailures or some stupid shit. Welldone greedy
So all that's left to brag about your superior life is yt comments?
@@fasttorwaright i hate these comments
When I envy someone who is wealthier than me, I pause and think of how fortunate I am compared to many people in the world and throughout history.
Loser's mentality. Stop comparing yourself to those below you. Look above and aim high.
@@paulinejackson5861. Nope. It’s called gratitude, and it brings more wealth your way.
I used to buy into that cliche. Never compare yourself to others (above or below you) to gauge your own worth. If what you have now is enough, then you’re good. If you do look above, look at it through the lens of inspiration, not envy.
So you’re still comparing yourself?
Lol breaking up with the gf and then going into 15k debt to flex on your ex on socials is absolutely unhinged and pathetic.
Right and the strange thing is, alot of CC welcome offers could cover most of that trip just by redeeming accumulated points through planing. Usually the Waldorf is book five night get one free. Sounds like she dodge a bullet.
I got no car payments (own 2), no credit card debt, no medical debts, no student loans, only my mortgage and invest 23% of my income into retirement and put all my spare change into stocks. I think one day I will make it. Probably sooner rather than later. I also put an extra $400 towards my mortgage principal monthly. I stay artificially broke. I will never stress over money again my entire life. I simply refuse to struggle after spending over a decade doing that!
My dad was an accountant and taught me good money habits growing up. I've lived a frugal life after I moved out at 19. Some of the more extreme examples are drove a car that ran alright but the back bumper was held on with duct tape and there was a big dent in the door for years and I had the same $80 flip phone on the cheapest plan for 8 years until the phone company shut down the network that it ran on and I had to finally buy a new one. We bought our first place in our mid 20s in one of the most expensive areas of the country because that's where we lived and worked. In our mid 30s we moved to the cheapest part of the country and bought a 5 bedroom house outright. Now in our late 30s we are financially independent and last year I got to quit the job that I hated and don't have to work anymore.
My friends on social media don't know any of this because I don't post about that stuff. The only things I post are nature pictures that I take during my walks, pictures of my cat or art that I have created.
My zits started going away when I stopped cleansing so hard and started focusing on hydration. I used to wash twice a day with foaming cleanser, but I switched to a non foaming cleanser at night and just splashing with water in the morning. Then a medium lotion morning and night. I also added the ordinary hyaluronic acid but it’s not necessary (just makes my skin look nicer). After about a month of that (and getting used to skin that felt less squeaky clean), my skin became less oily, the little bumps went away, and the big zits went away.
I think as teenagers we’re told we get zits because we don’t cleanse well enough, so we cleanse too hard, leading to zits… not always the case, but it’s worth a try!
Damn, I must be lucky. All I have to do is wash my face with hot water and soap. Then splash cold water on my face after. Don't need a whole routine.
I buy everything on a credit card for the points but I pay it off almost immediately if not by month end. I’m curious to see what percentage of credit card debt is rolled over from month to month. I feel like that would be a better gauge of financial health rather than just “total credit card debt.”
that's a great point. ill see if i can find this data and include it in a future video
According to Bankrate, approximately 50% of credit card holders carry a balance from month to month. Cheers!
this!! people tell me using credit cards for everything is irresponsible... but i pay off my card every week so my credit balance is always around 1-5%😭
True. But you’re playing with financial fire. Thread carefully. For emphasis, the national credit card debt is well over $1 trillion dollars
Paying off your credit card isn’t “playing with financial fire” 🙄
Managing a credit card isn’t that hard if you only put purchases on it that you’ve already budgeted for. Ie, if you’ve budgeted for small purchases and would’ve paid for it from your debit account otherwise, it’s fine.
If you put large purchases on it where you’ve already set aside the money in a savings account (a high yield savings account, even), it’s fine.
I make purchases with my card each month, but pay it off twice a month and it’s fine. (The first time is before the FICO estimator I check updates and the second time before the end of my card’s due date.)
There’s literally nothing wrong with it, it’s just another way to spend money. Credit isn’t the Devil just because some people are irresponsible with it. And the solution to financial responsibility isn’t to demonize money in general, or credit specifically, but to learn you how to manage it.
Something that’s also worth considering when you combine some of the reasons you mentioned: often what one person finds to be a fulfilling career is just going to make less money than somebody else’s satisfying career. Folks who are in the entertainment industry (actors, athletes, influencers) often earn a lot more money than other career fields. But even though I don’t want to be in those industries and those people all have a lot more money than I ever will, that doesn’t bother me because that’s not what I’m trying to do or who I want to be. In general, the less someone compares oneself to others, the more one can achieve one’s own goals.
As someone who lives in LA and knows tons and actors and influencers, let me tell you, no most of them are not making much money. Again, that's survivor bias at play for you. Just like any career field, there are a small handful of actors and influencers who make a lot of money, but the rest are struggling.
How dare youtube hide this from me for 26 minutes
hahahah you're awesome thank you
Bruh, theater and let me know for 3 hours.
2 hours for me 🥲
4 for me nvm
I learn so much on this channel!! Love the content
thank you so much!!! which reason resonated with you the most in this video? :)
Acne: change your diet. Find out what food is causing you inflammation of the skin then eliminate that food and watch the body work miracles. I’d start with dairy but do your own research. There are a lot of good books on this.
This is the real answer. You’re not going to find a cleanser or retinol etc that solves the problem. That’s just treating the symptom and it’s not going to be effective at all. Focus on diet, 100%. If your skin is angry, this usually means your gut is angry. Try eliminating added sugars. Try eliminating processed foods, especially carbs (chips, crackers, packaged breads, etc).
Vincent for your pimples, find a good cleanser, a really good face cream with lots of hydration, start with a small dose of retinol (like 0.03-0.05) and protect your face from the sun. These are the basics but many people just don’t do these steps properly.
What helped me was using a cleanser every night before bed and putting a clean T-shirt over my pillow (also every night) when I sleep.
Good advice! I recently got a lot of them for the first time and retinol helped wonders. I use a good cleanser twice a day (morning and before sleeping), going to the gym or having some intense activity also helped me reduce stress: the reason I got them in the first place.
For all the people that don’t understand and probably no one tells you because is not cool…I’ll explain it to you. A lot of people have grandparents, one day they die and leave a decent amount of money and properties. I know it sounds crazy but a lot of families are not broke or broken and manage to pass wealth to the next generation that builds more wealth and passes to the other one. The numbers are shocking. The amount of people that have a regular jobs and have wealth passed from the previous generation is unbelievable. They will never tell you that. NEVER!
Many people might fund a lavish lifestyle through debt or only showcase the highlights on social media. Additionally, individual financial situations differ due to factors like cost of living, family obligations, and other “invisible” expenses. Comparing ourselves to others based on what we see on the surface often provides an incomplete picture and can lead to unnecessary self-doubt. More importantly, instead of obsessing over “who’s richer,” we should focus on our own financial goals and strategies that align with our personal circumstances.
If you want to make money online, the book I recommend is "The Gilded Nexus of Prosperity"
thank u for this i really need this rn ☹️ as someone who decided to pursue degree in her late 20s and seeing all my friends having stable job and spending luxuriously.. its hard not to compare my situation with theirs. i shut down my social medias due to the pressure
this is one of the greatest RUclips videos about people making stupid financial decisions that they can't afford that I've ever scene. as he's making correct and relevant answers to all the topics he's talking about. Great job
My Christmas present to myself was buying a couple stocks I’d been eyeing for awhile and maxing out my Roth and it FELT GOOD. I also felt no need to share it with anyone else because I did it for myself not the approval of others
I agree that having a growth mindset is the true key to "success." That said, only you could define "success," which is largely dependent on your perception of the world. Great content!
Spend the $ for one dermatologist visit. It will save you from buying and buying and buying products that don’t work.
advice on pimples cut sugar
Carbs in general. Noticed a big difference.
Amazing video. Agree with what you say about not comparing because we don't know the whole story. Most people I knew who were posting about things online that made seem like they had money, happy marriages, etc. were just keeping up an image. Most had marriage issues or they were broke and living off of debt. I sometimes have people raise an eyebrow or chuckle at some of my frugal habits but when there is an economic downturn or something comes up that I need money for, I am not panicking.
For the pimples try a mix of coconut oil and tea tree oil. It will deflame the area and cleanse it at the same time. That is what I use. And try adding more fruits and veggies to your diet and less processed foods. It works wonders bro 🔥. Thank you so much for all of the financial advice in your videos. It’s changing my life man! Keep growing on your journey!
Coconut oil is highly comedogenic, so not ideal for people who already struggle with pimples.
Maybe I'm too old or I'm not in similar social circles but I don't feel everyone to have more money/make more than I do. And I'm not rich or "comfortable" or FIRE. Is the main topic a common perception?
I certainly needed to here this
Ooh! I got rid of pimples by splashing cold water on my face. When you take a shower, if you take hot showers, wash your face with soap at the end and then when you are done splash some cold water on your face to cool down. It has helped me a ton. Rarely any pimples any more.
Thanks for making this vid - needed the reminder
Hi Vincent. I struggles with my pimples all my life , what it helped me was the prescription Azeleic acid 15% and prescription 0.025% or 0.5 % Tretinoin
Also , I used radio frequency wand to zap the new coming pimples.
In addition, changing diet definitely will help you with pimples.
Great video! Thank you 😊
As a person who had a face full of constant, painful boils and pimples in my teens, I've learned that the fastest way to treat an occasional pimple is to not pop it, gently clean the area, apply cold compress if there's redness, apply toner(I like witch hazel)/crushed aspirin, and use color correction if attending something that really demands formal presentation (sometimes seeing fast results within 3 days with this method where the spot has calmed down and a less-raised surface). If the pimple is popped, clean first with a facial cleanser and follow the best care routine recommended depending on your skin type to balance moisture depending on your natural oils. Give yourself grace and kindness after applying what you can to manage stress elevated from treating your pimples. If you notice the frequency of acne is consistent, reach out to a dermatologist for help if you can.
Try drinking ginger , trust me it helped me a lot with pimples ans acnee 😊
thank you! do i grind up the ginger or just put water in a whole ginger?
@ I use ground ginger and mix it with fresh water (I occasionally add half a lemon to change the taste 🥲)
Love your videos. ❤
I use to think those with the constant vacations, newest clothes, awesome trips, nice cars or constantly going out often are actually in more financial trouble than what it seems. Priorities.
It’s like they are enjoying life now but will struggle later vs what I’m doing, sacrificing now to enjoy life later.
Thank you for the time you put into making your videos. It has built my investments up to $7000 in just a few months. I started using the 50/30/20 rule right when I received my paycheck. I don't even feel like I changed my spending habits. I just have more money! I make 50k a year working a job I hate, but I'm putting away $300-$400 every two weeks.
Without your videos I wouldn't have built my portfolio to where it's at today. Thank you.
Congratulations on your progress!
True abundance it's when you appreciate what you already have, keep that in mind.
Stumbled across your channel last month. Have been incredibly appreciative of your knowledgable content thus far!
thank you morgan that means a lot! appreciate it :)
There are also so many services that allow you to rent luxury stuff. You can rent a private jet set, yes the set, not the jet itself. You can rent models. You can rent bags, watches, suits, cars, everything by the hour. Most of those fake rich influencers who try to hustle people for money often do these things to make it seem as if their strategy is valid.
Kudos to you for calling out the acne yourself instead of letting it affect you negatively. I use Basiron AC gel (benzoyl peroxide) if I start breaking out. I usually leave it on before bed
thanks Vincent for the encouragement to continue saving! I love these books and your advice is fantastic. I would join your class, but I don't need it and will leave the spot open for someone who does!😄
Differin is great for acne treatment. Great video!
Great video for a new year n mindset💯💎🙏🏿😊
The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time. Individuals can seek counsel from a certified financial advisor to optimise financial outcomes, who can provide specialised advice and methods to decrease expenses and maximise income.
I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
This is exactly how i wish to get my finances coordinated ahead of retirement. Can you recommend the financial advisor you used to get ahead?
I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky” for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for this tip. it was easy to find your coach. and I conducted thorough research on her credentials before scheduling a call with her. Based on her résumé, she appears to possess a high level of proficiency, and I am grateful for the opportunity to speak with her.
I love my hobby, which has long been my profession (for around 20 years). This video is very close to the truth, many people build up high walls around topics that make them uncomfortable, resulting in this distorted view of the world. There are only a few people who only dress up when there is an official occasion, many live beyond their means. The truth is often much further away from what is lived. We should be honest, it is precisely for this reason that credit transactions exist, people want to live beyond their means, even if only for a short time.
Those who have no debts (i.e. no leasing), investments and cash for more than 1 year have a certain financial security. They are the ones that are financially stable.
I do not understand people who feel embarrassed about driving a beat up Hooptie, or normal clothes. I personally don’t give a fuck, I’m trying to make sure I’m not old and poor.
because in this day and age, it is more important to look good, than to do good. Decades of mindless consumerism has made us extremely superficial.
*Excellent insight.* As for pimples, they never go away. Except & let go of the "pimples" in your life. Before you know it (in the blink of an eye) you will be 60 and the pimples that plagued your life will still be there but diagnosed as rosacea, acne for old people😅 Best to you, Vincent.
Damn 😂
That spider-man wallet is fire 🤟
As someone with stubborn acne I appreciate the fact you don't hide yours. That being said, my dermatologist prescribed isotretinoin and it's helped IMMENSELY!🙏🏿
Thanks for a great video to start the year!
A much needed video! I have just graduated and i am constantly questioning abilities and comparing myself to everyone else. It really affects my day to day activities. I feel anxious about getting a job
advice for clear skin. just eat a carnivore diet or even better raw primal diet. if you can not follow this, eliminate at least all processed food and try to avoid legumes and milk (if you cant handle them). also be mindful of agrochemicals. they are often sprayed on fruits. the easiest way is just to eat fatty beef and drink water
For me pimples are always a diet thing. If I eat peanut butter pimples are guaranteed. Also, replacing bedsheets especially pillow cases weekly is important.
i love how you make everything so easy to understand. Also, acne is completely normal man, i would recommend keeping your skincare simple!
Things that have worked for my son and his acne journey. Baby soap as a face wash 2x a day. Differin acne gel (available OTC). Zinc based sunscreen. He does not use a face lotion because he doesn't like the feel. Washing his pillowcases at least once a week.
To see how much you care about other people's "validation" or the need to "flex" I front or on other people. Stop putting photos online and think about how you feel about "the purchase" the "location" the "event." Instead of posting it online, don't. No one will know you, "did it." Then you can really understand your motives behind it.
If you still feel amazing about massive credit card debt, we'll done you. If the event really gets you excited, cool. If you do t care 6 you can't make others jealous or show others how amazing you are. It says a hell of a lot about your motivation in life.
Pimple tip: get a microneedling and peeling treatment, for 3 or 4 times a year. It really cleared up my skin and if the pimples comes back, it’s mild
I've always wondered why people focused on extreme money saving. Isn't the purpose to become financially independent so you can do what you want in life? Why can't you do that right away with the money you earn? There's a time value of money and also time value of your experiences right?
I’m 28 and still struggle with acne bro. I’m with you on that one 😂 I’ve used every skin care product, went to the gym, ate clean. Idk it never stops man
Great video, and info! Thanks!
Thanks for watching! which reason did you find most relatable?
This was just for me since 2020 I always felt lost in life still do. I am great at poetry, woodshop, drawing but it's not getting noticed profit wise. I always compared myself because I never grew up on how to love me as an individual.
I paid off my house in April 2024. I have not increased my overall spending. I would say I spend about $2,000/month on everything. Thankfully, my job pays for phone and internet. Not gonna say how much I make, but most people would buy a tesla, a bigger house, more luxury stuff, etc. Anywho, I would like to go on a nice vacation this year.
You really dig into the true source of wealth and poverty - psychology. It really starts with our minds to get out of poverty and build wealth. Great video. Thank you!
I've only ever flown first class once in my life. I was bumped from coach and had a connection to an international flight so they bumped me to first class and gave me a voucher for business class on the return leg. I was traveling return with my wife so I gave her the business class leg on the way back. Most of the adults I know are millionaires. They all look ordinary and dress casually and you might even think that they look poor, by their clothes or vehicle.
Some folks could make bad choices, focus on the exception or focus on the wrong things because they lack critical thinking skills or discipline. They are swayed or convinced easily by what they see in person or online. Money is a symptom on failing to adult. Not something a RUclips video or two can fix unfortunately.
And with the growing wealth inequality, this issue is only gonna get worse. It is statistically evident, that more unequal societies are less content with their lives than a lower GDP society that is less unequal and unfair.
I’m 34 and finally made 6 figures for the first time in my life, and only working 40 hrs a week too. But heeeeey guess, that means jack squat in 2025. I’ll probably empty my savings account to PAY taxes for last year, the same account I struggled to build. I have managed to put a couple grand into an investment account though. For the first time in my life I’m making more than my parents combined and it seems like everyone else and their brother STILL are ahead of me. I try to treat myself to a really nice restaurant from time to time, but nope… lines out the door. Needed to buy a newer car a few ago since my old one was costing more to maintain than it’s worth… nope!! Nothing decent in stock that isn’t 10-15k marked up. I travel for work sometimes so I thought I’d set up an account for high tier car rentals and hotel rewards… nope, hotels don’t have upgrades bc the rooms are all occupied and I end up just settling for a small car anyway.. how the absolute eff is everyone else affording this shit too!!!? I’m finally doing well and it’s like I’m back to making 30k all over again. What’s the point of making six figures if literally everyone else seems to be making it too. Must be the new 50k
Wealth Growing quietly, like it 👍
If I wait until I look perfect to post a video it aint gunna happen. We're not perfect and can't all be airbrushed. Post when you want and I'll watch.
Thanks for you video content. I have been learning a lot!
thanks drew!!! what did you think of this video?
Social media has encouraged everyone to "keep up with the Joneses". I used to to do this and end up severely in debt. I have paid down most and I have learned my lesson that I should not put everything on credit. Also, if you're interested in human psychology, there is is a dark comedy movie called "The Joneses". Everything in that movie is playing out in real life wherein people are repeatedly buying the stuff they see on social media.
For acne, I 10/10 recommend seeing a dermatologist and asking about tretinoin. It also helps with fine lines and wrinkles, not that you need that benefit, but just so you know :)
🙏 Thanks for your points in this video - very grounding and stops my catastrophising! For your pimples - I've been there! 😢 Have you tried using retinol? Start mild, apply at night, (make sure you wash with a hydrating cleanser and follow with a skin barrier repairing moisturiser) and wear SPF. Also, try not to touch your face!
Vincent mild or sensitive skin soap 🧼. Separate towel for hair, face, body. Wash your pillow case often. Hope that helps
For your acne, wash face only with water in the morning, moisturize, and use sunscreen during the day. Use Cosrx cleanser at night, then moisturize. Drink plenty of water during the day and introduce garlic and onion into your diet. Enjoy!
Breaking up with GF, if she was high maintenance, would be like getting a raise.
Spending on CC to make her jealous, is being a simp.
Do better next time.
do your friends not mind you airing out their business on your platform?
Vincent dropping on a Thursday! 🤯
Here before the views go above 900
ayyyy thanks for the support ghoulish!!!
I will say everyone is better than me at getting into debt. I honestly can’t get into it. Literally I’ve got over a million liquid and can’t even borrow $500k for a home with an 800+ credit score and $300k in available credit cards. This is dead serious I can’t get a home loan.
Why not though? What's the reason the bank gave?
@ they don’t have one. They get scared of the liquid cash I have. I swear everyone is in debt and broke. They get scared that I have a million in safety deposit boxes and only $200k-$300k in the banks. They look at me like I’m nuts having a million dollars. I’m literally around people with a lot more than me. It’s so broad. Either people are massive debt or massive rich and no debt.
My GF got mystery pimples anytime she ate ice-cream.. it could have been either the dairy or the sugar... but her skin cleared up when she stopped.. worth a try!
Accutane, Acnium and Cerave face wash work pretty well for greasy skin
Nice video
Once I removed Facebook and instagram from my phone the comparison completely disappeared. It’s like magic 😂
I feel like that at times. Then I take a step back and look at what I actually achieved at 26 yrs old so far. That's when I realise I am doing fine.
Making money is the easiest of the challenges you will ever face in your life so enjoy until it lasts 👍🏻
Great RUclips video. Btw, just apply a small amount of toothpaste to a spot before bed, it'll dry up overnight. No expensive creams or lotions needed.
Thank you for the super useful tips and advice!
I suggest mandelic acid every other evening for the pimples and use spf during the day!
I'm 35, been maxing out my roth ira for a few years, but just freed up enough money to finally be able to max out my 401k as well... Excited to finally reach that, and be able to keep it up each year.
Man,this video is amazing 👌
You speak the truth which it hurts just the fake rich
Just to let you know you are not alone with the way you this about life 💪🏻
I don't know who needs to hear this, you've got to stop saving money. Invest some part of it, if you really want financial freedom.
Invest in bitcoin, gold, silver, buy stock, forex market, commodities. Just invest and save yourself.
use beef tallow on ur face for the pimples bro trust shit will clear up overnight
Use skin colour pimple stickers! Or fun coloured ones, up to you! I think acne is normal though.
Sometimes it boils down to personal preference as well. I can either drive a Honda Civic or a Porsche 911. Of course I would rather have the Porsche, but practically speaking the Honda makes the most sense. If you are a multimillionaire, then you might opt for the Porsche. People like nice things and some will spend more than they have to own the nicer items. You should be fiscally responsible with your choices when deciding.
That's a stupid take. I'm a multimillionaire and prefer having the money over a porsche.
That 150k porsche (purchase price alone) is going to cost me anywhere from 800k (7%) to 2.5M 12%) at age 60. That's not counting the maintenance cost and insurance of owning one ($500/month)
As much as I want a porsche to look cool, I'd rather have that money in the bank to spend when I'm 60 years old.
Cut dairy for pimple relief! Yes that late..
Nice.✅
See a dermatologist, get a prescription for tretinoin. Get a good sunscreen to apply to your face too if you end up using a prescription retinol. You can keep your face hydrated using squalane oil after you shower or wash your face.
SCARF model!!! Love it :)
How can i afford to travel? By churning...
they overlook ebooks like Magnetic Aura by Takeshi Mizuki because its insights on attraction challenge conventional thinking
Pimple tip: don't touch your face if you can help it. In sections of your videos, you are touching parts of your face which may cause pimples. You may be doing it unconsciously so try to stop yourself if you can
P/s: Also enjoyed the video
My wife and I have a yearly household income of something over 300k. We have no kids and live in a 3 room apartment (here in Switzerland), one old used Japanese car, I have no branded clothes, most of them I even tailored myself. We have one long holiday a year, we fly economy, we stay in normal hotels mostly, sometimes even in hostels, we have no debt of any kind ... but yeah, it feels sometimes like every one else is far ahead of us.... although when I see the numbers we surely have more than average income
That's awesome! But I wouldn't stay at hostels or normal hotels when bed bugs are a thing. Especially at that income