21 Subtle Signs That Whisper “Quiet Millionaire”
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- Опубликовано: 1 июн 2024
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Timecodes:
0:00 - Intro
0:12 - Avoid Money Conversations
1:18 - “We Are Comfortable”
1:55 - Quiet, Low Key Life Lifestyle
2:30 - Quiet Confidence
2:57 - Quiet Digital Profile
3:32 - Try Aura
5:26 - Financially Literate
5:54 - Keen Interest In Health
6:43 - High Quality Food
7:13 - Obsessed With Buying Assets
7:44 - Simple Fashion
8:17 - Own Subtle, But Expensive Things
9:03 - Simple Home Decor
9:43 - Avoid Off-The-Shelf Financial Advisor
10:14 - Keep Good Counsel
10:41 - Very Small Circle Of Trusted Friends
11:00 - FREE 1-Page PDF
11:13 - Travel Light
11:29 - Ignore General Financial Media
11:49 - Selectively Consume Media
12:19 - Very Well Read
12:39 - Obsessed About Time
13:05 - Obsessed About Freedom
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DISCLAIMER: I am not a financial adviser. These videos are for educational and entertainment purposes only. I am merely sharing my personal opinion. Please seek professional help when needed.
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Can you create a video on how to start in the stock market? Thanks
Quiet millionaire is also the cause of 2 phenomena that you have not mentioned. Money that is inherited that originates from something that is not ethically good. Or that the wealth is so great that it is politically unwise to show it as it triggers envy and potentially increased taxes on working capital. Greetings from Croatia
I worked at a nursing home when one old man told me that the hardest part about being a millionaire was not being able to tell anyone. I asked why was it so hard, he said I wanted to stay a millionaire. 😂
And he could have lost friends. Folks will resent you as well.
That's wisdom
You need your money and you need your friends. Best way to keep them both is to keep them separate.
Freedom is ultimately what it's all about.
Agreed.
My dream is to save enough to quit my job at any time. I’d be totally happy working a mindless job 3 days a week.
That’s a fact!
@@o0usf0o- being completely debt free is a dangerous situation. You go into work everyday wondering why you’re wasting your time “working” when you no longer need that money. You begin to resent time wasters
@@RustyZipperyou can like your job tho, if you don't need the salary. Or build your own project. Doing nothing actually drives you crazy I think
The #1 aspect of wealth is your health. It’s like the paper that the dollar is printed on.
I live in a somewhat rural community. And there also happens to be a lot of money around here, but you wouldn't know it. Because many of the millionaire farmers are driving around in old trucks, wearing overalls. but when they decide to buy a new truck, they pay cash.
Tax...
I would say anyone that buys a $9,000 sweater is not quiet. Warren Buffet living in the same home for 30 years and eating at McDonald's is quiet.
Mr Buffet has several houses.
Warren Buffet has a carefully crafted persona and uses PR managers for this, definitely not 'quiet' about certain things, but very discreet about others.
So he splurged there for sure
There exists subtle luxury clothing. Look up articles on the stealth wealth clothing worn by the characters on the show Succession
I’ve been in my house I bought new in California since 1980. Not moving because it’s still a small town despite my millionaire status. Still driving my 2012 Honda Civic and wearing my T shirt & jeans from Walmart. Nobody bothers me or looks at me. I blend in.
The fact that the only reason you know Ramit's sweater is $9000 is because of this video... means it is quiet.
Stealth wealth is the Millionaire Next Door's motto.😀
The poor bashing in that book was so distasteful. I vastly prefer “Your Money or Your Life”. Incredible book with better values and education
The quiet millionaires I know are hard-working people. They have quietly built wealth using their work 401k, living below their means, living a debt free, and mortgage free lifestyle. They don't allow lifestyle creep to take their wealth. Many became millionaires in their 40's and kept working until their 50's or 60s.
They dress very casually and drive older vehicles.
Quiet confidence is actually something you can have without necessarily having a million dollars in the bank.
Just having an emergency fund is more than most people you see
This is so true. I have learned not to talk over Money the last several decades. All my brother does is brag about money. He does not have near what I do. He is older and thinks he has to be better off than me. My Aunt told me when I was young. Never tell anyone what you do have or what you do have.
Same. I drive a 21 year old car, mostly stay home. My sister and brother in law take cruises all the time and have flashy vehicles. Once my brother in law commented that I was on welfare :D lol!! I think he really believed it! Actually he's in debt to his eyeballs, has equity loans on their house, and took out one of those pandemic loans. Hope they don't lose everything.
Money talks, wealth whispers and poor is flashy....love it! SOOOO true...
I’ve seen this in myself. As I’ve grown more financially secure, I’m less obsessed over the brands on shirts or red and green striped belts. I CAN buy this if I want it, suddenly I no longer dream about owning it. 😊
And i now spend $100 on 1 pair of sneakers, instead of buying 5 pairs so I don’t always wear the same thing. I buy clothing in duplicates, if it fits I want 3 more of them.
Exactly. The trick is I can buy anything I want because I don't.
I end sweats and free t-shirts as comfort and flexibility seem to be more important. I want to be able to go to the gym or work in the garden.
They are lifelong learners, always actively learning a new skill.
Yes so true.
This was beat into us and n the military. We were continually given assignments outside our comfort zones.
So many times you can get clues by the little things. A person that drives an ordinary car that's 15 years old, but the headlights aren't clouded and the tires are in good shape. A person that may wear clothes that are nothing special but they have nice, but not showy, shoes. If you have the opportunity to go shopping they may buy nothing or only very little most of the time. But on infrequent occasions when they see something they truly want they get it without seeming to give much though to "can I afford it". And they don't talk about how much the monthly payments will be because they don't do that. These clues aren't 100% but they add up. One of the wealthiest people where I live was the majority owner and CEO of a bank. But to look at him you'd think he was a common laborer. Bunged up 20 year old pickup, work shirt and coveralls looking like he'd just finished doing an oil change on a car (and maybe he had). But to him spending $10M on a building was like you or I spending the price of a steak dinner.
💯 I’ve known a few “wealthy” men and they always wore just ordinary blue jeans and a flannel shirt. To look at them you would assume that they are a typical shopper at Costco / Sam’s Club. Their vehicles were of high quality but not overly showy. About the only consistency was that their clothes and vehicles were always clean, as well as freshly shaved faces. No fancy watches, dress clothes nor would they ever discuss anything to do with their money.
Yup. An ordinary car with Michelin tires is a giveaway. Compared to luxury car with cheap no name Chinese brand tires.
Excellent list. I would not have guessed several of your signs. I would add a couple more things:
1) QM tend to buy many units of something they like. For example, if they like one brand or style of shoes, they’ll own 4 pairs (think Bruce Wayne’s walk-in closet) whereas most people will own only one pair or 1 unit. QM know what they like.
2) QM will never wear the name of another man on their person (e.g., Mahomes, Hilfiger). I liken this to medieval times where different colors or coat-of-arms marked empires, kingdoms, duchies, principalities, castles, etc. (obviously this applies more to male QMs). QM may wear a subtle logo or a brand (esp. if it’s their own company), but QM will NEVER wear the last name of someone else.
3) QM tend to treat all people equally in public. Regardless of their political affiliation, QM know the importance of less fortunate because (a) QM have quiet confidence, (b) they realize society has a need for everyone, and (b) the common people are often their very own employees.
Three key additions to the list in the video. Thumbs up!
100% on all three, but especially point #2. That's something most people are completely unaware of.
What about Levi's, I suppose that is a first name and not a last name. Is that an important distinction?
@@kxjx It's less about the brand or logo on the clothing than serving as a walking advertisement.
So, wearing 501s is ok (assuming they fit well), but a t-shirt with a large Levi's logo is not.
My father said he would not wear obviously branded clothing unless they paid him to wear it. He still had a few favorite brands, but "those who know, know".
Sounds about right.
As for comments how it's "selfish" to keep quiet about money....why make enemies? People are envious of what they don't have.
Fools resent advice. The wise are usually rich already.
Honestly people are not going to like you anyway does the reason matter I think it’s more important to protect yourself and at every level not just wealthy development but all things concerning life.
Buying quality products that last a decade or more, not just for a few uses or a couple years.
Even if they lose everything they know they can be financially independent again. They accept and embrace sacrifice and hard work as reality to become wealthy. They have the ability to live very frugally if necessary with no complaint. They learn from mistakes, forgive themselves and move forward with a better plan. They focus on the lessons learned and don’t waste negative emotion on the loss.
They also accept that their disadvantages exist, but don’t *identify* with them.
Wealthy people often give philosophical advice related to their personal experience rather than some tactical advice they learned second hand.
not me, I love being stransparent with everyone about finances, i WISH people were open to talking this way to me when I was younger, it would have sped my journey up incredibly!
Your personal finances? That’s weird, sorry.
@@mellocello187No, YOU'RE weird.
I’m completely transparent about finances if someone asks. I love to learn why people do the things they do.
I generally dont talk numbers, but people know my profession and that information is out there. I’ve been lucky to work with folks who have expertise outside of our chosen profession. I’ve learned a lot from them.
It will get you in a lot of trouble.
It's amazing how often true wealth whispers rather than shouts. A personal approach I’ve taken is focusing on building assets over showing off. Instead of chasing the latest trends, we invest in things that grow in value over time, like stocks or real estate. This mindset shift from spending to investing has been a game-changer. It’s all about those long-term gains rather than the short-term shows. A great reminder that wealth isn’t always what you see on the surface. Love the insights!
Dude your hair is honestly GOALS!
Wish I had hair like that.
Wealthy people watch videos like this for entertainment, and to see where the creator got things wrong, if they did.
This one is a lot better than some I've seen.
They talk about ideas, not people, stuff or events.😊
Small people talk about people. Average people talk about events. Amazing people talk about ideas.
Yes! Paraphrased from Eleanor Roosevelt, I believe.
I agree. I never understood why ppl don't want to talk about salary etc. especially around office working class. I think that "talk about salary is inappropriate" is some type of corporate bullshit brain washing marketing. 😅but lol the stupid and pathetic thing is that ppl actually bought it!!!
@@ProgressisEverything Eleanor Roosevelt said great minds discuss ideas, average minds discuss events, and small minds discuss people.
@@genxx2724 as much as I respect Eleanor, this is a wildly reductive and overly simplistic world view not based on reality
Checking off this list will be one of my money goals...Thank you. Great content
Fully agree with almost all points. I did not even realize myself. Thanks for the summary 😀
I honestly think people not taking about money is one of the main reasons why there is such a large wealth gap.
Exactly!
@@bbb_888 I honestly feel like once you really start to learn about money there is a huge amount of people tell don’t share your knowledge on how to gain wealth
So you want to meet someone at a party and tell them how much you earn, how much you have saved, etc? Really? That will solve economic inequality?
@@mellocello187 More like at family dinner or office meetings, you can ask "What do you think about xxxx stock?" or "What are you doing to legally reduce your taxes?" or "Have you read the book Rich Dad Poor Dad?" Do you think a party would be the best place to talk about finances to a stranger?? There's a time and place for everything.
@@bbb_888 Yes, I understand, but commenters are not understanding the video. He is obviously not saying do not teach your children about finances. He is saying don’t be tacky about it and in public.
Thank you for the video!
An excellent list and so true. Thank you Tae.
I'm glad you have your timecodes in your description so we can skip the sponsorships/ads
Thank you very much 😊
I guess I'm already a millionaire at heart.
Valuable. Thanks
Great list!
New subscriber…well communicated information. I’m going to make sure my kids who are starting their careers digest this. Nicely done!
Great Vid Tae
Man you're always on point
Great content 👌 👏
I agree with most but not all. I disagree with obsessed with time. I'll learn how to clean a pool and even repair a furnace so not to waste money on things I can do myself. Likewise the clothes, I'm head to toe dressed in Costco items. I don't stand out, on purpose.
Why are you not standing out?
Did you watch the video at all? It very clearly explains it. @@harryvanderveen773
@@harryvanderveen773- in today’s economic times you do not want to make yourself a target to thieves, pan handlers, insurance scammers, nor desperate women. It’s best to blend in. I like to wear clothes to look like a mechanic outside of work. People automatically dismiss me based on my appearance and that’s my intention.
Thanks for sharing@@RustyZipper
Love this ❤❤❤
I enjoy your channel.
I am just curious what people think of when they use or hear the word "millionaire?" A net worth of $1M doesn't quite seem to carry the significance to be given its own classification.
These days it doesn't, agreed. But when the term came into popular usage a millionaire was an extremely wealthy individual. And it's still a significant financial milestone.
You need to reach your first million to get to your next million and so on.
The first one is the hardest.
As I had to explain to my grandson, a million dollars isn't really a lot of wealth any more.
To take another look at the question, a year ago the government sent each of us $600. The question was "How much should we invest, how much save, and maybe we can spend some" but our tenant just thought "What can we buy?" That's why we owned the property and they were tenants.
Danke!
Thank you!
Schools are already responsible for teaching way more than they should. Parents need to step up and talk to their kids about financial independence.
Money is something that they should teach about.
Music, Art, Crafts, Home Ec (less we are talking about the financial side and not the cooking, sewing, cleaning side), most ever high school and college elective...heck most anything outside of STEM and English and history should be left up to the person as a hobby.
Parents should, yes. But I know plenty of parents who could use more than a few hours of education on that topic themselves. This is a topic that I think should be covered in school. We don't need to teach kids to be junior Warren Buffet's, but some basic every day finance would be good. Heck, even if the only thing covered was the true cost of carrying a balance on a credit card it would be worthwhile.
Many of the things you said on this particular video describes me. I like your other personal finance videos also. Regarding Aura, how long have you used Aura and would you recommend it? thanks
Wealth whispered to my ears and said: Money talks
No: 22 - subscribed to Financial Tortoise 🐢🙂
I'm not quite there yet but I'm very much like these people. I put more money into my 401k each month than the car I drive is worth. I live in a modest home that is a year from paid off. I got a huge raise recently and didn't show up to work with new clothes, gadgets, or car. I make 33% more than my boss and he probably thinks I'm insane or a degenerate gambler lol. He's the type of guy that spends extra money on vehicles including campers, trucks, etc. But I know he finances everything bc he told me. If he ever asks what I do with my money I'm just going to say stuff like "oh I took time off to be a SAHD, so I have a lot of catching up to do." This is actually true. I'm more than caught up but in terms of FIRE, I've still got a ways to go. I can also play the "we're saving for college" card.
Then you're on a good path and you'll be there soon. "put more money into the 401k than the car I drive is worth", I like that, sounds like you've got your priorities straight. I don't put that much in each month, but I could say that I put as much into investments each month as my first non-junker car was worth when I bought it. I've also been investing for 30+ years so my monthly contributions aren't as important as they were (but I still make them). Market movement, good or bad, dwarfs the portfolio value change caused by my contributions. And good thing, I'm retiring soon :)
I’m comfortable. That’s what’s I told my butler when he asked me. Don’t want to let him know I’m rich
I've learned most of these the hard way in the last 3 years after so many preventable mistakes and reflecting on them. Not a quiet millionaire tho. Hope to be one day and also have that quite confidence. :)
You just described my husband and I perfectly.
Very accurate ！
Hey Tae, can you do a video or short about suggestions on managing children’s red envelope money when they’re too young to manage it themselves? Lunar new year just came through :)
529 College Investment Account
I’m not sure about the expensive clothes thing. I get all my clothes at Old Navy. It’s more a focus on paying for quality however that is defined per person, for some that’s clothes or cars or food or even everyday items.
Yup. No matter how wealthy I ever became I'd still be wearing my comfy blue jeans and cotton t-shirts and similar. And I'd be smiling extra wide if I'd found a good deal on that t-shirt at a second hand store. But each to their own.
I picked up some Khaki colored jeans from Tractor Supply during Black Friday at $10 each. Quite comfy, rugged, and look professional. But if $80 blue jeans are your thing that’s ok too. I don’t wear a watch, whereas some folks are watch snobs, that’s ok too.
this is accurate
For #1) Let’s be real: we don’t want to talk about money cause:
1) people with no money may try to mooch money off you
2) people with no money sometimes are uneducated morons with an ‘eat the rich’ mentality and resent wealthy people, and yet, when it comes to handouts and freebies from the government they have no issues.
Wealthy people would probably talk about money all day if people were aspirational instead of resentful about it. People with no money should want to shut up and hear what nuggets of wisdom the wealthy guy, like OP making this video for example, has to say.
But because of political correctness the wealthy people need to act low key. To project “better optics” .
What I have found is that people start making excuses and whine about their money situation.
It is best to keep quiet.
I find it hilarious (silently) when people brag to me about their finances and think they are impressing me. Same with the Rolex wearers that live paycheck to paycheck.
Would be interesting to see more Proverbs quotes.
your hair style is very nice
Makes me feel good that literally all of these points apply to me 😂
Hi Tae! Thank you for your videos! I really appreciate everything you share.
I have a question:
How do you raise financially savvy teenagers? My teens receive a modest monthly allowance and I’d like to start investing that money with them, for them. Would you look for a high interest savings account, or a college saver? Or open investment portfolios with them?
I’m new to financial literacy, by the way-- I’m very excited to be growing more independent from now on.
Thanks again-
Dolly
Speaking of decor, quietly wealthy people invest in art and not whatever happens to be on sale at Home Goods.
This is to the next level.
And they don’t have ‘word art’ sayings on their walls. 😝
woops almost forgot to take them down 🙃@@createone100
I love how you quote the Bible! 🙏🏻
Very cool, I just prefer to keep them guessing 😉
Good video. You started off with some excellent points, then had a few weird ones that actually have nothing to do with quiet millionaires and more to do with people worth tens of millions, if not more. The biggest thing you missed about quiet millionaires is we have a very keen and focused understanding of the difference between COST and VALUE. People who earned and invested their way toward a 7-figure net worth almost invariably have a strong emphasis on value in their life. We buy things that probably cost a little more, maybe even quite a bit more, but the main focus is on a lower reduced cost of ownership, over time. We want value and ROI in everything we spend money on, so in the long run, we spend less money.
what kind of hair wax you use sir?
So how do we get more financial literacy from kids to adults?
Teach them.
Lead by example.
Set up real life opportunities to teach and share knowledge.
Pardon my ignorance, is Million Dollars considered a lot of money in the current times where money has become very devalued ?
Some points are true, but in my experience, low cost posessions and clothes with holes like jeans and t-shirts are no problem. A regular watch is better because it costs less.
It is all about ROI on anything you buy. Mind you the return is subjective but I'm not spending the money unless I see the value.
Wanting to be a quiet millionaire is the reason every one of my Lamborghinis, Ferraris, and Bugattis are white, black, or silver. I can’t be shouting at people in my purple Bugatti or green Lamborghini. Yuck.
"Money talks, wealth whispers" sounds like a Ferengi Rule of Acquisition. :)
Knowledge talks, but wisdom listens
By understanding Accounting beyond revenue and expenses will make any millionaire quiet.
Another outstanding video. It's important to be able to distinguish the difference between the *trappings of* wealth, and *actual* wealth.
Unless you have so much money that you have the "better class of problems" that only very wealthy people have, you can become financially literate, and be your own financial planner, ignore the "financial porn" all around you, and *buy* investments instead of having them *sold to* you.
I agree. As a rule of thumb most any financial product being pitched to you by a salesperson is a bad deal. I've seen so many coworkers chase big returns and almost always end up doing significantly worse than if they'd stuck with boring old index funds and such.
I knew three millionaires when I was a kid. An old carpenter, a farmer and a machinist. All three could look like hobos to anyone they met on the street.
I am on You tube everyday and your video hit me between the eyes. You described me better than I could and I loved it. I do agree with all of your 21 signs but only scored 18...not bad! I also hit the subscribe button, thanks.
My entire wardrobe isn’t worth $7000
There’s are a lot of millionaires but very few upper class.
When I knew I’m comfortable for a while now is be able to pay 2-4 grand of maintenance or fix for my car cash!! ;-)
They buy stuff with their JP Morgan Palladium Card.
Me and the wife often know when people are wondering, so we preemptively tell people we are millionaires to start the conversation early. It's often a joy to figure out how much (or how little!) other couples make.
😂 I started listening, thinking "this might help me become a quiet millionaire." Then I remembered I don't have a million dollars. 😂
The lack of financial literacy in the US, is a very large part of our problem. Personal finance and basic economics should be taught throughout K-12. By middle school, students should have a basic personal finance foundational knowledge.
I’m sorry but purchasing a $5000+ garment of any form screams “I have more money than sense”
I check all these boxes except having a million in the bank. Does this mean I’m on my way to being a millionaire?🤣
Yes 👏
Thx rusty lol I hope so @@RustyZipper
Im NO Show and all dough.
#22, the cars they do drive, have clean titles.
He did mention 'vanilla' car. 😊
Was going along fine, but the list started to fall apart at #7, feeling more like wishful thinking than the reality of “quiet millionaires.”…
?7) Quiet millionaires hire fitness coaches? Huh? Not seeing it. Concerned about health, sure, but not typically that.
?8) High quality food? Perhaps for some, but generally? Not seeing it. They eat what they like, never extravagantly.
?9) Always buying assets? Huh? No, quiet millionaires invest steadily and stick to the plan, they don’t search out the latest “asset..
?10) Fashion? It simply isn’t even on the radar screen of the typical QM. Inexpensive and durable.
?11) Big spending on what they like? No typical QM spends $9,000 on a sweater. Buying quality, sure, but never extravagant like that.
… this list deteriorated into a lot of items, all reflecting basically the same thing. Should have limited it to 8 or 10 items, max.
Perhaps the proper title should have been “Quiet *multi*-millionaire”.
Just found out I'm a quite millionaire. now to wait for my bank account to get the memo.😅
These quiet millionaires are just better people than you and me.
Agree
I'll assume that was a joke ;) I work in tech and I know plenty of quiet millionaires. All in all they're no better than anyone else. Some of them are nice, some are jerks, some are downright disgusting. The only thing they have in common is they live below their means and invest their extra money.
I prefer kind and generous people who aren’t greedy. We need more of those people, not millionaires
The Richest Person i Personally Know , Looks like a Low Income Person !
Everything you’ve noted is essentially the WASP “New England Old Money” lifestyle
I’m not buying a 9k sweater idc how rich I am 😂
Yeah me either that is just nuts.
@@autohelix😅
I’m sure you spend money on something someone else would find wasteful. But bless your little heart?
I disagree with the financial advisor from firms aspect. I do think they bring in value as a lot of people aren’t trying to beat the market. When you say just put it in an S&P 500 fund we know what you mean. But sadly most people absolutely do not and will get overwhelmed with the options available. It sounds strange but an advisor takes the choice burden for clients, and for some people it’s worth it-otherwise they won’t invest and only buy bank CDs and that’s worse.
Remember that money talks and BS walks!
0:38 table manners scream, definitely not a millionaire.
I got 25-30yrs to get as much as I can.
You don't know that, you might only have 5
I spend an exorbitant amount of time cleaning and maintaining my house. I am too cheap to hire a cleaner.
It's not about avoiding an uncomfortable subject, its about the envy other people feel toward it, and the potential violence when people learn that you have it. Most people are not civilized when it comes to wealth...they are more animal than human...
Capitalism depends on the freedom to act, and willingness of people to trade values. It also depends on how the culture addresses human rights, specifically the individual right to ones own life. Freedom, and therefore Capitalism, cannot exist unless the rights of the Individual are understood and protected by law. What we have now is not Capitalism...and the reason people do not discuss their wealth is because most other people do not want to be free to earn, they want to be free to steal.
If you do not accept the idea that you should feel guilty about being wealthy, being quite simply means you consider the moral values of those condemning you for it not worth addressing. Wealth is not a measure of sin or guilt, its a measure of productive virtue...especially if you earned it yourself. Envy is a vice, not a virtue, and guilt is what someone should feel only if they have violated someone else's rights. Productive effort is not the source of guilt...it is the source of pride.
It's supposed to be "Money talks, bullshit walks."