15 Things You Should Start Spending Money On After 30
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- Опубликовано: 27 июл 2024
- In this video, Chelsea discusses things you should start budgeting more for once you reach 30. Click here to get started saving when you switch to Mint Mobile: www.mintmobile.com/blog/perso...
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Invest in dental care!! Didn’t figure that out until after my gum line started receding and that can only be fixed with surgery…
Mouthwash. Good floss. Pro-enamel toothpaste. An electronic toothbrush if you can afford it, or if not, regularly replace yours.
Dental care is very expensive and often not covered by medical insurance. This is no joke.
1) Other people's children.
2) A good phone plan.
3) Sinking funds for various goals.
4) Dermatology.
5) Retirement.
6) Blood tests.
7) 'Time is money' spending.
8) Anything that helps with your posture.
9) Time off of work.
10) A savings account for your child.
11) A humidifier/ dehumidifier.
12) Premium models for fewer things.
13) Media that makes your life better.
14) Various insurances.
15) Continuing education.
Thank you
With other peoples kids- Give what you can afford, when you can. Plan for the gifts.
I stop going to weddings and I never buy gifts for friend's kids. I got to save so much of money.
I let family give gifts to my kids if they want to. My husband’s family enjoys it. When inviting my kids’ friends or my husband and my friends to a birthday celebration I write “no gifts please” on the invitation. Some people still bring a gift but it really cuts down on the amount of stuff that accumulates in our house.
Damn. Financial Diet gives their employees a 4 day work week AND 6 paid weeks vacation? What's your parental leave policy? This is corporate-employee relationship GOALS!
Right!? My job only offers 10 days max per year, use it or lose it, and they grip at you when you do try to take time off!!!
Add a work day and you are in your late 50’s in Sweden. 5 days work week and 25 vacation day are a standard for working full time in a Office enviroment.
Lol they’re not corporate, can’t expect orange juice out of a lemon squeeze. At my small business I give my employees 2 weeks payed vacation and 2 weeks for emergencies or things that don’t need to be explained to me because I trust my employees enough not to need an explanation about everything. At a corporation you are just a number on a page rather than a human, much more disposable that way, much less empathy towards the employees
Two weeks of emergencies are paid and can be enacted within an 8hr notice but often a text is enough as it is my business and I should be liable for keeping the doors open not my employees.
Chelsea said in another video that TFD gave 4 months maternity leave.
I'd add dental stuff in particular. Paying for a cleaning twice a year, getting a good electric toothbrush, and regular checkups all take money but you really only get one set of teeth and gums and it can really compromise the quality of your life if something happens to them.
As someone who had to pay $5,000 for a dental implant over the last year due to a crack in the root of my tooth that couldn't be repaired, I fully agree with this. My surrounding teeth have shifted and eating is no longer quite as enjoyable as before. I'm now trying to save up in case Invisalign can help, even though I already had braces as a kid. I'm only 32 now.
Invest in a good mattress.
Invest in a good pair of durable, quality sunglasses.
Invest in decent knives and a few pieces of quality cookware.
…and…get off the bottle.
Yes to the doctor and posture points. My friends and family were horrified that I'd spend $350 on an office chair but my legs were falling asleep and my back was KILLING me. Now, I'm sitting up straight, my back and legs don't hurt, and I can get more done.
how much better does the chair make it? or is it you controlling yourself better?
I cut “presents for kids” out of my budget because my brother has 9 kids and wants more…I decided after kid 6 that it was getting way too expensive and time consuming for me to buy for holidays and birthdays. No regrets.
jesus christ! how can HE afford that :D
Omg! How does he afford that!? I can't even afford having a dog...
@@extrasagrada economies of scale.
@@woodywoodverchecker what?
@@elenapelayo1 each child is cheaper than the previous one, as you start to buy in bulk and hand-down clothes/toys
The YT Premium KILLED me! 😂 my husband and brother are resistant to it and every time they cast something to the TV on their accounts I die a little inside. I haven’t had ads on my account for 2 years and it seems like they’re only getting longer/more numerous/more insane.
They are longer! I had an ad on this exact video that was over 1 hour long? Of course it was skippable, but who even airs an "ad" that long? Non skippable ads also got longer, usually it was only a couple of seconds, now they're up to I think 20 seconds or something like that.
@@GizmoAndKiwi some ads are actually videos that shouldn't be an ad at all
Respectfully disagreeing as a twenty something... all these things are important to start as _soon_ as you can claim yourself as an independent on taxes, _not_ once you're 30! These are all longevity, self-care, and social happiness items. Very important to start early so these don't all feel like "catch up"... yes, your budget will be smaller in your 20s but the proportions of your budget shouldn't have to entirely shift as soon as you start to feel "old". Minus the spending on kids, that's another story.
I agree… this mostly felt like a list for someone approaching their mid twenties (again except for the kids thing) Also when did this become a lifestyle channel?
“You may need a humidifier if (lists every problem I’ve complained about in the past few months)” only 22 but will be breaking my no-buy year on a second-hand humidifier lol
Also great if you have awful coughs from catching Covid as I learned this year. Definitely worth it!
I appreciate the point of spending on other people’s kids. I grew up in a low-income working class community and I’m thankful for all the adults who had the disposable income to buy me treats, books, and take me to places like museums and movies. Pooling together resources to give children experiences and cultural capital their parents otherwise couldn’t afford is awesome all around. As they say with raising kids, it takes a village!
My dad has the rule of you buy the cheap version first. If you use it enough that it breaks or gets holes, then you can buy the expensive nice version
I really appreciate the mention of blood tests. Do NOT feel guilty about spending money on going to the doctor. My personal health journey has been a lot more complicated than that of other 20-somethings, but I'm able to help myself live a long life by going to the doctor and getting those blood tests when the doctor orders them. I too have a vitamin D deficiency and take a supplement, but I wouldn't know this by just assuming it. I had to find out for sure.
Yes! And be sure to visit a lab that is within your insurance network. Even though I got labs done by my primary provider, it was not covered by my insurance which left me with a $400 bill 😭 lesson learned
1) Chelsea's hair looks so chic! 2) Few things compare to the good feeling of finding the perfect gift for my niece's.
on children- I told myself this year I am not buying birthday cards, gift bags or anything like that on these peoples kids-they dont keep it! and I gave myself a 20 dollar limit on gifts for children this year which can be 20 dollars cash, a 20 dollar VIRTUAL giftcard or 20 dollar toy that they can choose. yes I am THAT AUNTIE! I have 8 nieces and nephews, about 7 siblings under 18 and my own child. I ain't even 30 yet Chels
#6 BLOOD TESTS!! As a nutritionist this is a very important topic for the wellbeing of each and one of us. You shouldn't be feeling weak/sick/crummy all the time. PLEASE GO TO YOUR PCP!!! Granted we all have busy lives, but put your health first. Be selfish about it. Put it in your schedule. Do something today that the future self would thank you for!
Please talk about the 4 day work week!!!
Really just invest in your health. Go to the doctor(s), full check up.
Dentist.
Some sort of movement. Yes, everyday.
Some more intense movement 3x week.
Water. Yes, 2 liters. No, coffee doesn't count.
Eat your veggies and fruit. Invest in a nutritionist that matches your beliefs or interests, for a few months.
Everyone’s hydration needs vary. 2 liters can be too much for some. Coffee DOES in fact count. So long as you’re not drinking more than 4 cups daily. It’s only dehydrating if you don’t drink it regularly.
I love the first point! My niece was born before my own children and I’m planning to put back around $10k for her over the next 18 years. If my income increases significantly or I don’t have a 4 child family, I’ll give her more! I’m planning to surprise her (and my sister)!
When I saw this video notification pop up on my phone, my first thought was, “health insurance.” (At least in the USA, where the fundamental human right to even basic health care is treated as a luxury in our broken medical system.)
Dear Canada, will “eh” for health care.
Loved the video. I agree with a lot of it, but "buying" time by delegating tasks is the thing that gave me the most satisfaction. I bought a robot vacuum cleaner and now I can relax on my weekends without having to clean the house.
Yes! I splurged on a Dyson vacuum bc the cordless factor made me more motivated to actually use it! A convenience purchase that truly helped
Amen to taking vacations. When I was laid off after 38 years at a company, I had over 400 hours of vacation time. They cut a check which had a lot of taxes taken out . I should have taken more vacations and enjoyed life a bit more.
Yes!!!
Also, quick tip, if you go to a personal trainer (or a yoga of fitness class instructor) make sure they're certified and current with their registration & insurance. It's not legislated, so "buyer beware". You don't want to get a bad one who can end up getting you hurt.
'It requires money to make money this is the best secret I have ever heard we don’t make money we make multiple money.
Interesting. I have a lump sum doing absolutely nothing at all in my bank account, I wanna get something started with it, any reasonable ideal?
@@lunarobinson7147 There are platform where you can invest and they trade your money. Then pay you profit either weekly or monthly. That's investing.
My crypto mentor Mr Andrew Jordan, you may have come across him on a few interviews I invested $3000 last two weeks and it profited me $11,410 a higher success.
Wow I know Mr Andrew Jordan. I met him at a conference in california 2019 where he introduced us his business strategy, he helped me cover my student loans
I’ve been trading crypto with Mr Andrew Jordan for over a year now and I've made about a whooping profit of $86,000 in crypto its not much but I'm ok with the progress since i now make a whole lot from the comfort of my bed.
I finally spent money on renters insurance. Too many break ins around my area recently so figured better safe than sorry.
OMG the vitamin D deficiency! I would never have known that I basically have no vitamin D left if not for my annual blood test. The doctor has prescribed aggressive vitamin D supplements and my level has only risen very slowly. Don't just assume that you're feeling bad because you're getting old and it's normal. Go get an annual wellness exam!
I, a little bit, feel like you are yelling at us, and I love it 😂
I agree with everything except for the kids because honestly, I have 16 nieces and nephews omg it’s wild I can’t 😂
I am so happy you talked about spending on kids in your life that are not yours. I’m also a non-mother by proud choice but I LOVE spoiling my friends kids. My favorite people growing up were the aunts/uncles/family friends that had the money to take me to baseball games and fishing trips and taught me how to drive 😂 I hope to be the happy, fun, and interesting “aunt” for them someday!
The difference that yoga a few times a week has made on my neck and back pain after sitting at my desk all day is insane! It is sooo important for me and makes a huge difference in the way my body feels day to day.
Thank you for mentioning blood tests!! I have chronic illnesses and I spend thousands of dollars every year managing them. I didn’t used to prioritize my health like that (even from a percentage point of view when I earned less). I’ve never regretted making my health a priority and wish I’d done it sooner.
I love how you say you are running your business with 4 day work week and 6 week pto. Love to see it!
But, Excuse me, were supposed to be spending how much on baby showers?? 😮
$100+ for close family/friends. That's a no from me.
$20-30 max, anything more, and I'm joining the gift
I love the last one, I’m turning 30 in may and since 2020 a started to do monthly challenges, I have learn to do so many things, fail in some but at the end really enjoy the experience of trying something new every month 🥰
The HUMIDIFIER...yes! I live in NYC with a blasting radiator, and it's a life changer.
I'm glad I read down to the post about comments helping the algorithm and fighting the crpyto lobby.. So I will keep it in mind to do my small part because I thought Monday's video was extremely important and timely.
I really loved this video, a lot of the points mentioned i was already thinking of, but not that precisely. Thanks for the effort here ❤
Even tho I’m 23 I still love learning about all the things I could do to live a financially stable and healthy life when I’m older, a tip I could recommend that costs 0 money for your health is stretching every night before going to bed and if you can, also do it after you wake up, my boyfriend told me this and honestly it has helped with my back pains a lot and it helps me sleep better
Hello! Can you recomend some stretching exersizes by any chance? I'm 24, but not very flexible. I recently thought about stretching before going to bed, but i dont know where to start.
@@varvara3709 Suure, I’m actually not flexible at all either, but you can find really good stretching videos here on yt, blogilates as a really good video, although I recommend that if you do not feel comfortable doing all the routine just do those that are easier for you to start, overall if you dedicate 5 to 8 min every night it will make you feel a lot better before going to sleep
@@varvara3709 Yoga with Kassandra posts a lot of great 10 minute "bedtime yoga" classes that are very relaxing
Just wanted to say that I watch this channel so much that I saw Mona's back end....and realized that I knew her name without thinking about it😆🤦🏾♀️
This video really resonated. Taking care of your one body, your one mind and your time gets more important. Thank you!
Thank you for appreciating spending on other people’s children. Many of my friends don’t have kids yet and I can’t wait to repay all of their generosity and spoil them with necessities and time off.
I was the last in my friend group to have a kid, the big bonus was loads of great hand me downs, books and toys. While I gave the kids all the cute novelty things over the years, they passed along to me all the practical things I never thought about.
Thanks a lot your video is understandable and your presentation excellent. Most resources give vague instructions without making the newbie understand how things really work. picking stocks that I’d love to hold on to for a few years before retirement, If you don’t learn to manage your money, then other people will find ways to mismanage it for you.
@Quirico Manfrin I made terrible money decisions in my 20s really terrible, I've been doing great so far, i'm really looking forward to starting something for myself, how do you invest?
@Quirico Manfrin Majority of people are working for a company and have a 9-5 profession. Unfortunately at some point you may be part of a lay off, which is never fun. Please, could you pass along your tutor's contact info?
I think this inflation has taught people the importance of multiple streams of income, unfortunately having a job doesn't mean security rather having different investments is the real deal.
I'm 26 and invested in a trainer to teach me how to use machines and free weights. My doctor was telling me for years that I needed to gain weight for my overall health. I was fairly active (walking my dog daily) but had been the same weight for over 10 years and didn't feel like I needed to. After 3 months with my trainer, I'm so much happier with my body then I was before. I feel confident that I can take these lessons and continue to do it on my own, now that I know how.
I am glad you did! I invested in a nutritionist and even though I felt I know most things she told, and is 'available for free on google', some of the discussions and chats I had with her were really helpful and put in perspective how much I was eating or how bad I was eating. I am glad you invested in yourself in a way that will only grow! Congratulations.
I'm also 26 and invested in a Trainer & Nutritionist.Finally time to start taking health seriously!
Same! I’m 26 and 1.5 months into my personal training! I went from 92 to 100 lbs at 5’2” so far. Working to 115. Pricey but so worth it!
RUclips makes their ads increasingly obnoxious and irritating to pressure you into giving them money to stop the hassle. I don't believe in rewarding behavior that I don't want to encourage, so I will never be giving RUclips a penny. I'd rather install an extension that blocks the ads for free. If I really like a creator, I'll contribute to their Patreon or whatever, but RUclips isn't getting anything from me.
"You only get one wrist" I have great news
The blood test one is so true! I’m in the UK so it’s free but I went to my doctor and said how I was feeling and I’ve had tests and been diagnosed with 2 different things. And now I’m treating them and feel so much better!
As soon as Chelsea said "posture" I straightened up 🤣🤦🏻♀️
Thank you for all of the excellent advice! I also love the new hairstyle!
No, spending money on other people's kids assumes you live in a certain community. You should have a total budget for friends and a total budget for each family member. I live in a city where many aren't married with kids by their 30s, or even 40s. Maybe your family members also didn't decide to have kids or you're not related to many kids. Friends with kids don't deserve more of your budget for their choices. 😉
The gifts is one that is always a budget buster unless you plan ahead. Even just saving $20/month for holidays can make a difference.
We have specific dollar amounts for family and our kids that we follow. We keep a tracking list on a planner of when birthdays are and holidays so we know when the money will be needed and how much to have set aside for it.
“Fertile friend group” 🤣
Not that I am getting pushback on my purchase: things to make our home a haven, but this video is still uplifting. The YT Premium is especially affirming. I see my friends patiently wait for the ads to stop when they're showing me something and I'm like, let's just scrub to the good parts already! (Not your videos, I watch them from start to finish).
adblocker plus is a free browser extension
First off, I spend so much money per year on my best friend‘s ONE kid 🤣🤣. And second, going to the dermatologist and RUclips premium have both CHANGED MY LIFE. 10 out of 10 would recommend 👍🏾
Always admired women who age gracefully... yay for quality skincare & affectively managing stress ♡
Other people's children is other people's choice and pocket. Of course a gift here and there is fine and expected, but going out of your way to actually meticulously plan and budget for that sounds a bit too much.
Idk, budgeting for gifts is perfectly normal. I budget for adult gifts why not kid gifts?
@@marzipan2555 same as with adults depends how close you are with the parents/children. Like a friend of mine who recently became a mother told me she didn't like how people now only gift something for her child even on her bday. She felt marginalised and that becoming a mother doesn't mean you are not still your own person (that is especially true for women where i come from - Mediterranean Europe)
When you get the blood test, make sure the doctor get the results of your hormone levels and explain it all to you too. I went through that personally. I got my results from the hospital database and the doctor didn't explain anything too me, so I relied on Google to tell me what the things on the results were and I made adjustments to my lifestyle choices. When I was in school, learning aspects of case management, it stated that as well. Learn how to advocate for yourself
Me at 24: "I can't go out until 3am with my shoes in my hand walking through the streets and then wake up the next morning at 7am to work either" ahahhaahahah times really have changed :'(
And when you're ready to do the over 40 video, let me know. It will knock your socks off. I'm truly here for this community. 🤣🤣LOLOL!!!
Love random media companies deciding which which Twitter users with pain are REALLY disabled and which ones aren't. Totally normal behavior that absolutely never turns into shaming people with actual disabilities.
Valuable Information, Thanks Chelsea as always.
In my mid-twenties but already doing some of these things and feelin proud!!
We have recently upgraded our heating system and added a central steam humidifier. Best investment ever with a constant % everywhere in the house.
PSA if you own a house in a cold climate like Canada, the small room humidifiers will not cut it. We’re getting a furnace humidifier installed at our house this week to combat the 15% humidity levels in our townhouse where we are constantly running 2 room humidifiers. This will be the best money I spend this year for my family’s comfort plus they last 10+ years.
I love this video. I just turned 27 today and thinking of how I want to change my spending overtime.
Me watching this sitting hunched over.
Great tips Chelsea
I definitely relate to the whole "feel like your body is falling apart" thing. After my third child was born, I constantly felt like my body was falling apart. I could barely lift my child, my back was in constant agony, and a was getting injured easily. It turns out that I *was* falling apart: I had a three finger width diastisis recti and no functional core strength, so other muscles in my body were compensating, causing me to be in constant pain. Thankfully I found The Tummy Team (I am not affiliated) and through one of their online courses was able to close my diastisis and regain my functional core strength. Turns out that years of poor parenting posture had exacerbated diastisis caused by pregnancy. Good posture is so important! So what I mean to say with this story is that if you feel as though your body is falling apart, listen to what it is telling you. It means something is wrong, but treatment is available.
Yes! For me a nutritionist made a huge difference in my life and I feel so much better, and also getting a cleaner as we’re expecting our second soon. At the end of the day it’s about prioritizing things differently depending on your lifestyle or time of life changes
Love this video! For real though, learning to ski in your 30s in no freaking joke. Also one of the reasons why I am thankful I have short and long term disability insurance. 😆
Same here…those kids zipping past you really humbles you 😩
Chelsea, your hair looks amazing.
Please do a more in depth video on the permanent 4 day work week! Would love to hear why you went that way, how's it going and research that supported this switch. :)
I love growing older with you Chelsea haha, I found y'all in college and now I'm 27... Loving these tips :)
when you hunch over, you are engaging your trap muscles which leads to overactive traps. to counteract this, try stretching/exercising the back muscles - rear delts, lower back (erector spinae) really helps with correcting posture!!
#11 I just bought 2 humidifier (one for my living room and my bedroom) and I sleep so much better!
14:32 Chelsea you are literally a relatable queen! I scream whenever Im using someone's else RUclips and I see an Ad.
"particularly fertile friends" jajajajajaja lol
Lol - sis the people talking about everything hurting after 30 are the ones with kids. And the doctor nor blood tests can help that problem okkkuurrr 😭😭 (btw I’m people 😭😭) and the doctor said to me “you’re just totally at your limit and there is a vicious physiological response to parent burn out”
Great content. Fresh content. Who else talks about this? Good job!!! Love new hairstyle.
This confirmed for me that I have already organically begun spending (and in some cases not spending) better in my thirties. Every time Chelsea listed something and I could say "yesss I already do that," it felt pretty darn good :) really enjoyed the video
Love this!
14:04 "You're not 25 anymore. You can't go out till 3:00 in the morning, eat street meat, walk home with your heels carried in your hands barefoot on New York City sidewalks, and then get up at 7: 30 the next day to go work." Oddly specific, Chelsea 🤔
3 points in to the video, I realised that nothing will be fun after 30, and guess what, I was right!! Insurance, retirement, children, medical attention.. just the things you should invest after you turn 30..
Awww, super cute hair!
Health is number one priority at any stage of life. When you have a job or business start investing in your future. Always invest in yourself and budget in anything else that is important. I was look for annual subscriptions options they will save you money.
I learned to ski this year too and I relate so hard lol. I do love it though.
If one of my friends gets pregnant, and has a baby shower, I am legit spending $5 max. I might look for clearance items to make it stretch, but that's it. I'm good at that. I'm sorry, but you're the one who got pregnant. If I had a kid I wouldn't even expect gifts or money either.
RUclips premium is the best subscription I have
I found by the age my friends were having kids they were no longer buying me birthday gifts. So I feel like Carrie Bradshaw. I no longer attend baby showers and don’t buy baby gifts.
Great points here! Taking notes :)
I am literally buying a short chair for my jewelry making career right now. I've been talking about it for months...and I always put my business over myself, but as a Sole Proprietor I am the business. New chair, new me! Thank you #Chelsea #TFD
RUclips premium is the most underrated subscription service 😂 I haven’t seen an ad in years either
Yes to RUclips premium! I’ve had it since the RUclips Red days and at one point took a 3 month break to see if I could live without it. Turns out I can’t. If you watch a lot of RUclips it’s so worth it.
Chelsea cracked me up in this one "I'm just built different."
yes to investing in your health in your 30s! I had to learn this the hard way but learning quick!
I got a massage & adjustment and it wasn't even back causing my back pain & atrocious posture, it was my shoulder. He put it back in alignment & I feel so much better
Used mint mobile for a week. Used to lose network everyday, but data network good. They have room for improvement.
The PTO point is very true. Use it. Mental health and personal time matters
Yes, and keep in mind there is most likely a USE it or LOSE it policy! That one took me by surprise.
The fact that you can legally not take paid time off is savage. Where I live it's illegal and HR have to force people to take their pto if they don't. There are also rules that once a year you should take one or two full weeks in a row to actually take a real break. Not sure how mandatory that one is but most employers have that rule.
Labor laws are a good thing! The US should also get more of those...
It’s terrible! They give you time off, but you have to make sure everything gets done while you’re off, aka working. So it’s impossible to take it at some companies. I’m looking for an employer that lets you actually disconnect.
I love mint mobile! It was $180 for a 1 year, 4GB a month plan
Ok thank you for verifying. I already have tmobile. I think I need to switch.