How I Made My First Million
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- Опубликовано: 18 окт 2024
- I'm still holding on to my original thesis of a huge correction coming up. Sure, it may never come but at least I will not be homeless if it doesn't.
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YAY FOR REAL ESTATE!
I am a big fan of yours.
Your youtube content is AMAZING!!
You should make real estate videos! You might have 2 million subscribers someday.
Lol. You guys should do a collab
Hey good to see you here:)
Danggg I just watched one of your videos! Good stuff! 👍
I became a multimillionaire in my late 30s. How? I have a high paying career, own a business that makes 6 figures/year, heavily invested in the stock market, bought rental properties and equally important, I have been saving >90% of my earnings. I don’t go on fancy vacations and post them on FB. I don’t drive an expensive car. Surprisingly my net worth has gone up since the pandemic. Real estate is booming although my business is slightly down. I am still working at my 9-5 job but I am in cruise control. I don’t stress out about anything because I know I have already won the game. Having a peace of mind is one major benefit of having money especially when you are still young.
johnny lee How do you think I make my money? I am providing service that is needed especially with my business. I also pay a boatload of taxes which is fine by me since my college education was largely paid by tax payers. We were poor once so I get it but you need to ask yourself....what are you doing? It is always the people, who cant even help others, are the ones that demand others to do more.
@@johnnylee8194 honestly... eat shit lmao you're disgusting
@@johnnylee8194 You must be doing sooo much more to help, as a keyboard warrior in the RUclips comments.
Alpha post
What is your business ?
When I was a manger at Starbucks they matched 6% 401k, gave $3,000 in stocks every year, offered a stock buying program with 5% discount and if you were at a good store you could get 3-5k bonus per quarter. A lot of people didnt take advantage of the "free" money and I always maxed out the free money.
Thanks for the likes! I hit the 6 figures club this year after quitting my job in the middle of last year.
Congrats!!
I was fortunate to have a good job as a software engineer. When I got laid off at age 54, I was able to retire.
On the same track. Hoping the gravy train lasts until I reach that age.
Which state were you working in and which state did you reside in?
I'm a civil engineer looking to push it to next level after getting the PE license on east coast.
Dont mind moving anywhere where total compensation is superior.
Congrats!
TA Salt Lake City.
What if you live till 100, u have enough?
Step 1: Get a great paying job
Step 2: Don't be stupid
Step 3: Profit.
OneNewHope You can now skip the video.
Step 4: Don't get divorced.
Don't become a sugar daddy. Don't make a bunch of babies. Don't get married and then divorced. Don't lend money to "friends and family". Don't buy new cars. Don't finance furniture and stupid shit. Don't run up debt or borrow $100K for school. And the list goes on and on.
Also the issue of how well the market is doing.
But I think anything in engineering and computer science is going to be rock solid even during a pandemic haha!
Bay area: Home prices here are ridiculously high
Hong Kong: Hold my beer
🏅
Lol... I hear you. Per unit area, it's crazy!
But not for too long I guess... 😏
London - hold my champagne
No joke. When I lived in Asia, I lived in Singapore / Seoul for 10 years. Singapore is expensive but the apartments are nice. HK is on another level
Spend less than you earn and invest the rest. Easy as that. Many millionaires are so because they don't live like millionaires.
What kind of investment
S and p 500
Savings rate makes a big difference. US average is just 3-5% conventional wisdom is aim for 10% some FIRE enthusiasts will push 60-80%. My personal experience is 20% is pretty easy to get used to, more than 40% gets unnecessarily uncomfortable.
Invest in TSLA, you will be rich without saving :)
@@levyroth nice, good luck!
Charlie Munger said his 100k was really hard. He bought everything with a coupon.
I'll always use a coupon if available even I have a billion.
@@pinkcichlid I still use a coupon if it's a good one. Not those $0.50 ones though.
@@pinkcichlid some of those are good coupons.
My first 100k was really really hard but I can already see its easier to get the next 100k
@@rc892 no kidding, I'm not close to that point yet. Pretty sure in 10 years it can be done.
You are rich when you are happy with what you have and don’t desire more.
@@mohammadnajafi7791 you can transform material desires when they are meet to another one, transcendental one, and self actualize, highest mgtow step
Mohammad Najafi No, the man with no pulse is dead.
@Alex Jay The men with great desire and passion never die, even if they are dead. Gandhi is still alive but you may be long dead
U need more to be rich... If you have less you're poor.... Even if you're happy
@Alex Jay so true 😂😂😂😂😂😂instead of working their ass of am making money
I just became completely debt free last year and I'm well on my way to becoming and thousandaire. I hope it gets easier after 100k. I'm talking liquid. Not house or 401k.
Almost halfway there! And on $23 an hour
Hell ya Bryan
Dude you will get there no problem. Just keep going the way you are
Congratulations on your accomplishments! You deserve it! 🍾🍾🍾
I'm working on my second million now after it didn't work out with the first one
You'll get there
Thanks for the laughter! Best of luck! 🙂
@@davidsdinero Lol.
Good laugh 🤣
good one :-)
I’m a FIRE millionaire. Just worked hard, saved a lot of money while I was working. Paid off my house quickly. My advice would be to never carry debt other than a mortgage you plan to pay off prior to retiring. Don’t buy new vehicles on credit frequently. I always keep vehicles 10-15 years. Every time you move or upgrade homes it is also a lot of money lost. Find a house you will want to live in long term and not more house than you actually need to be comfortable, put 20% plus down, and pay off the rest asap!
Lastly...unless you are planning to sell your house and move to another lower cost area you should NOT even count a house and its fluctuations as part of your net worth! If you plan to live there indefinitely (and you have to live somewhere!) it doesn’t matter the current value. Also NEVER count personal items like a car and appliances etc. as part of net worth! Never heard of anyone doing that! It gives a false sense. I like to count only liquid net worth as net worth for retirement income purposes.
Thanks for sharing. I’m on the fire path myself. Really solid advice you got. I do count my house into NW, but I do not consider myself FI until I reach my target in liquid investments. My car is 16 years old, and can become older. I do not drive much.
Yo Do Sounds like you are doing a good job!
I guessed it right away. Among people who are worth north of million that I know of, one of them bought an apartment in stinkin Santa Clara for less than 200K. It is now worth more than 1.5 million. You can guess as to what it would be, if someone had bought it in Evergreen area of San Jose. They were literally selling at around 500K at one point in time. They are all easily over 2 million today. Now once you have a home, you save on rent even though you do pay interest if you have taken a mortgage. I'd say that the ones who are really lucky are the apartment/home owners who bought homes when they were very cheap, like right after the 2008 crash, and are now reaping the benefits of having made a smart investment of buying a home at that time. Not only did they pay off the mortgage soon as the homes were relatively cheaper, but they also saved a bunch because they did not have to pay rent. So almost all of their salary went directly to their savings! Those days are gone BTW. There is no way that the old strategy of buy a home and save on rent, will work anymore.
Im sooo happy for you! Hard work pays off. I did the math and even though I don't earn anywhere 100,000 yet if I save my minimum roth ira every year at 7% saving ill reach that too when 65yr. That just blew my mind. Not to mentioned I'm about to start a path where hard work can lead to 300,000 a year. That's all to say your videos keep me on track with my goals. Nice little reminder to stay with it and its possible with hard work.
what line of work?
There’s something wrong with ur camera. There’s a blue color area streaking up
its a ghost
I see a black banding line going from down to top
subliminal message from the fifth dimension
I was wondering what that was....
Look at the yellow wall
1st 10 years out of college worked as a Telecom Field Engineer. Away 80% of the year over seas travel, all expenses paid + premiums. Worked like a dog, missed my own bed. This put me well on my way to not worrying about money. Nowadays I take on odd jobs keeping expenses under control. I seek a hobby for life, likely in the social realm. I plan to travel for leisure with money optimally spent. No promises, just adventure.
Tip: I did a cashout mortgage refinance in 2019, at a loan rate of 3.75%. I paid off 0% interest rate credit cards, with 1/4 of the cash, and I'm using 3/4 to pay my living expenses for the next 3 years. This also allows me to do 401K to Roth rollovers, at a low tax rate. You all can do better than I, as mortgage rates are now lower. I'm a 59 year old, retired millionaire. Don't miss out on capitalizing on today's low interest & tax rates. They won't last forever.
It’s sad that a lot of “Millionaire” folks on RUclips talk smack about going to college. But getting a STEM degree+ Frugality+ Conservative Investments will get you there in no time!
The odds of achieving it is almost certain if you actually like doing it. Both ways are valid I think.
Maybe that's based on some insecurity that bullies in their history exploited. When you go off the prescribed path and get rich, you're going to feel validated. Maybe so much that you feel a need to invalidate other paths that you haven't looked at.
Then you have the cult of personality types, where the real bulk of their wealth after 1 million was in selling advice to impressionable people looking for alternative paths.
@@BeatTheBush I think getting the degree is a much more certain way of achieving millionaire status on average. I work in IT and the amount of people I've worked with that don't actually know what they're doing and are going through the motion is surprising. Yet every year those people still get the same profit sharing as everyone in my current company that's averages about 25% of your salary. The company forces you to put the 1st 10% in your 401k.
As an entrepreneur however you can't just fake it and be successful. Yes. Some entrepreneurs luck their way to an easy million before the market catches on that what they're offering is crap but for the vast majority of people they have to put in considerable work.
@@BeatTheBush not if you care for immediate and or extended family
dunno about "...no time" but in 30 years probably. but remember last 12 years has been bubble in stocks and realestate
At what age did you hit 1 million? I’m also an Electronics Engineer and was working in the Bay Area...and you’re right when I started to get more into the industry I realized that making a million was very possible.
Now you can write (as a millionaire) in the title of every video
he is also an ex engineer
Lol techlead fans. We should start a group
“How I made my first million (as a millionaire)”
Y isn't there a meme on this phrase yet
Congrats! Glad to see you're back on track. Money does indeed make money.
Thanks for sharing! It feels like a nightmare for me. I am stuck at 700k and I can’t move at the speed is like but I know I’ll make it.
The feels!
Hansen Hanggodo yeah
Benson Gitau: Personal Finance Channel I have also been stuck at around 700k. The real estate market has been cooling off for a while now and I don’t see any appreciation in the near future. My only chance to hit 1 million is from equity investment, but it’s a fine balance between capital appreciation and yoloing on a stock at this point. I just keep dreaming of hitting 1 million and then 1.5-2 before I can actually FIRE. Can’t seems to get any passive income stream working for me. I think the only way is to invest in a rental property or start a business, but as you can see both are the worst thing you can do right now during covid.
@@jambohomeventures Just keep on looking at your Net Worth spreadsheet. Maybe you need a new injection of new forms of income?
@Hansen Hangodo, Yeah I hear you. Real estate has been a drag on net worth lately if you add that as part of it.
I still think it’s a mistake to count the equity in the house you live in for FIRE net worth. You just need to fully OWN where you live when you retire whether it’s 100k or 2M. You must have other income streams either from your portfolio of investments and/or a pension and/or real estate or whatever. The more streams the better, and at least one guaranteed steam for essential expenses, in case one or more dry up. FIRE lasts longer than a typical retirement and takes much more planning and assets to do well.
500K from job, 380K from property appreciation. So basically what you are saying is that you have to be LUCKY to be a millionaire ----- because only the LUCKY few can get crazy salary hikes like that ----- and only the LUCKY few can live in a location and house where the property value goes up so much.
bobbda library is fill with gold and free go and get some for yourself mate ,respect 👍🏻.
@@weerapathnguanboonmak4943 What is this gold you are talking about? He is talking about salary rise and property value rise which forms the bulk of his million. Only the lucky few can get that salary rise and property value rise.
He worked an engineering job for like 10 years. There are people that save 500k in less than ten years making 70k a year.
he does work very hard for it but ultimately, luck does play a huge role in our lives. and that, makes life unfair.
@@Spedfree Such people will obviously have food and shelter already taken care of ......... because no way can someone save 500k on a 70k salary in < 10 yrs if they had to pay for shelter accommodation food utilities etc...
Anyone else smiles When beat the bush uploads? 😄
Thanks for uploading, I was curious about this.
Watched you for three years but have never commented. You are the first person I've seen become a millionaire by simply grinding, playing it safe, and living below your means. Truly inspiring. I do have one question though. If you decided to get rid of the boxter, what would be the car that you would splurge on?
He'd already done that when you made the comment. He got a Tesla.
Bush’s car before his Tesla is my midlife crisis car. He used to drive a porsche 😂😭
I made my first million by age of 24 as a real estate agent :)
Don't get married. Be a player like Francis lol.
Beat the Bush
Oh, who knows if not being married is a factor. It probably can go either way.
@@BeatTheBush Let's note for other readers that "probably can go either way" isn't a 50-50 coin toss.
@@BeatTheBush Very true. It's very ambiguous
marriage can accelerate process actually, because you can get a bigger mortgage. bigger mortgage = more home appreciation over time.
I am close to being a liquid millionaire. I don't want to count my houses and cars only the assets I can push a button and access immediately. Almost there :-)
Liquid is best.
It drives me crazy when people say they are debt free and have a house and car payment
A liquid millionaire is the best.
Don’t count cash though, or anything in your bank.
Real estate is such a great way to build wealth over time. Thanks for sharing!
Investing in yourself (continuing education, being the best you can be in your career), investing (taking advantage of compounding, leveraging real estate mortgages), and being wise with your money (living below your means, saving instead of spending). Love your channel, keep it up! From a fellow Bay Area engineer.
Thank you SO much for sharing this with us. Owning real estate changed my life and I believe that it can change anyone's, as long as they make it a priority. Can't wait for the next video!!
Glad to finally see you happy 😃. No amount of loss or money is worth your health, ur peace of mind and ur happiness
Great video! Very frank and honest!
I save $2800 per month. Enough to buy almost 3 iphones .... EVERY MONTH. Yet, I never owned an ipone, I make good money on my 6th job in the past 5 years, getting more money everytime I quit. Many people don't make 2800 per month... I save that amount. I'm noy even frugal... people were surprised when I bought a home at age 25, and when they see me traveling the world... u just have to be smart instead of worjing hard. I sit at work and work 2 hours a day. Sometimes I go 2 weeks just sitting there. Others work hard, I use my time at work to invest, read, learn.
Why work hard if you can work smart, right?
Yes. I made $90K as a medical resident in the military. Didn't budget, spent $3000 per month on food/dating. Bought my first property in Hawaii. Bought two more rentals. Then.. boom! Millionaire. I was 31. That feels old!
Right on point. Never sit on a job. I switched jobs 5 times in the past five years, and everytime I got 10-25% more money. I make more than the median household income in the usa, and it is very easy to become a millionare if u are able to negociate a good salary instead of sitting on the samr job. That and having a good woman who works :)
It makes sense that the first 100k is the hardest. Compounding ROI grows exponentially the more money you have. A 10% return on $10,000 is $1,000. But on $100,000 that same return is $10,000. And $1,000,000 is $100,000. The more cash you have to invest, the more quickly that cash will grow. More cash more growth.
i graduated winter 2018. finally got a job that makes decent money. i save about 3/4 of my paycheck. i intentionally avoided the expensive side of town and prepare 98% of my meals. a little over a month ago, i maxed out my roth ira for 2019 and 2020 at $12k. it's sitting at $22k right this very moment. if only i had started just before the market crashed...
As a young person, I'm so grateful that you share this information! Learned how to invest two years ago and so happy that I did. It's an invaluable skill 🥺🥺
My first $100 was the hardest, took me 15 years.
FIrst $1000 only took 2 years after
First $10,000 took another 2
And now at $100,000, another 3 years.
If my ex wife did not take a chunk away, I'd have 1/2 a million right now.
That's called a bad investment, just like putting money in a bad stock or property, happens to everyone
Congratulations. Your content on your channel is awesome.
S&P 500 is about to hit $3,300. Are you going to admit you were wrong like you said you would in your earlier video?
Your first milion is always your hardest, it gets easier from there. The more money you have, the easier it is to make more money.
Just like with everything else your first year at learning something is the hardest it gets easier after that
the first one million is the easiest for me. my parents just gave me one million when I started my uni life.
@@achillesarmstrong9639 How long did it take you to make your 2nd million?
I don't feel like you communicated this well. You net worth reaching 1 million and "earning" your first million are different things. The 52% you earned from your engineering job, was that just in cash laying around? Where was it?
Seriously, building wealth isn't rocket science. All it takes is some discipline in saving & investing. It won't happen overnight, but it will happen. Awesome story my guy!
Getting to my first 100k in less than 5 years in America knowing nothing, literally from cero, if I can do it every American should too. Thank you BTB for showing me a path!
Congratulations! That's awesome. I am an electrical engineer and worked in San Jose, CA; so, Electrical Engineer was a good professional major to choose! It's definitely expensive. Good video!
I squirmed my way into a 25% stake of a business at 20. Bought a home. Got my stake up to 50%. Pulled off a merger. Bought industrial property for the business. Worked my butt off and grew sales. Than I sold the business to a company listed on the TSX at 32! That was my journey.
My Dad got offers to work in Engineering jobs when retired, when they were insourced and outsourced and has also been involved in night vision goggles and they wanted him to work on DNA in retirement. He’s generous yet conservative and always practiced saving living below his means. He always linked money to a job, so was too conservative with home purchasing...of course he has the 7 digit equity, but it’s about whether the area makes you happy or not. When they moved to the area their specs weren’t available and they were used to great housing and areas. In CA, you take a hit on something in housing but still get heavy equity. My recommendation is to buy the whole area....the environment, town, neighborhood. It will cost more but it’s worth it in every way. Even so, just because it’s pricier doesn’t make it worth it. Buy a different city that’s beautiful and commutable. At least your taxes are paying for aesthetics.
I like how honest you are👍 I have a lot of respect for how well you managed you finances.
Glad this video wasn’t click bait. I was always speculating, although at times I thought maybe you were sub 1 mil and practicing uber LEANFIRE. Either way, congrats on your success. Hoping to have similar successes. Best wishes BTB, and don’t forget. Life is short, enjoy it
I think it's pretty easy to guess if you watch enough of my videos. It sort of slowly leaked out from when I said I paid off my house. I do try to be less of a tight wad these days. It's a problem I am trying to resolve.
@@BeatTheBush easier to be less frugal than the opposite
What kind of engineer were you?
Also there's some weird scan line moving up your screen in this video.
He was an electrical engineer
Waterkun Domo arigato senpai 🙏🏻
Hey BTB, could you make a video on how you distribute your net worth? What proportions do you use for REI, stocks, metals, IRS, HSA, 401k, etc. And why...also, please recommend a dependable financial advisor or how to find one. Thanks!
Wow, whole time, I didn't know you are a millionaire. I thought you just make RUclips videos. Haha. I have hard time to save 1k, so, i respect you. Good job.
I made I first million trading Crypto
That's really nice
People are really making millions trading stocks and crypto
Trading crypto has become a lucrative way of making money
Stocks are good too
Stocks are good Crypto is better
I have often heard "the first million is the hardest". Thank you for showing what this actually means.
Getting high salary is not easy, getting lucky from home appreciation can happen only in CA or other very few places in the US. The only easy way is to stop buying unnecessary things. We have full control from not buying fancy cars, fancy television, not eating out a lot, not watching movies!
Are you still selling on eBay? If so, how is that going? My local FB market is pretty much dead.
Nice new ambiance. Haven't been watching lately. Glad the little ones are still back there lol.
Hi BTB, which year did you hit your first million? Just curious if it was during your RUclips adventure and I can go watch old videos with nostalgia
I was surprised when he said that in silicon valley you change jobs a lot ... every 3-5 years. I work as an IT professional and thus far I have switched jobs every 2 years,
The rich stay rich by spending like the poor and investing without stopping then the poor stay poor by spending like the rich yet not investing like the rich
You're right sir
People are scared of investing because of the high rate of scam in the business
@@Brian-wk7ij There are scammers but real brokers are out there for investors
@@Brian-wk7ij You're right sir, Thanks for introducing me to Mr Adams
Mr Adams has changed my financial status for the best. All thanks to my aunty who introduced him to me
If you want to keep living in the same area, the value of the house isn't of that much importance. You can only really benefit from selling if you move to a cheaper place. Do you agree? And how come your stuffed things are no longer at your side - change of style reflecting a new you?
Congrats!!!
Gold is not a Toy! lol
nice job on that GLD purchase!
there's some crazy banding on your video man
In 2010..I set a goal 5 mn by age 50. When I hit 5 mn at age 51...I stopped tracking my networth; no need to count the nickel and dimes.
My networth/ age:
1 mn/ 42
2 mn/ 43
3 mn/ 45
4 mn/ 49
5 mn/ 51
Trajectory suggests that 6 mn/ 55?
your video is experiencing banding/flickering
Real estate in that area went down big time(20%+) over last year and expected to decline much further. The more "work from anywhere" is becoming the norm, the less premium people are willing to pay for places like San Francisco.
thanks for sharing this! congratulations !
Thanks for all the ideas 🙂🙏🏼
Should I sell the stock funds in my 401k in anticipation of the new dip? Or should I hold it? I’m 30, looking to retire at 45, hopefully earlier. My 401k has recovered from March, but should I convert it into cash/bonds now or leave it and ride out the next dip? I didn’t move it in January like I had debated and...well, March happened.
Did you change your lighting? There’s a rolling dark bar moving upwards in the video.
Looks like cars passing
Are you seeing things man?
Do you have one million of liquid cash in the bank? If not, then you're not a millionaire. If every home owner, included their homes, in their overall net worth, then all home owners in the Bay Area is a millionaire, the millionaire status will be meaningless; like with college degrees, everyone has a college degree, the market is flooded with bachelors and master degrees, so much so, they've become meaningless.
You wrote, "Do you have one million of liquid cash in the bank? If not, then you're not a millionaire. If every home owner, included their homes, in their overall net worth, then all home owners in the Bay Area is a millionaire, the millionaire status will be meaningless; like with college degrees, everyone has a college degree, the market is flooded with bachelors and master degrees, so much so, they've become meaningless."
My thoughts too.
BeattheBush is the best! Entertainment and education at its best!
Please create a video on how long it took to get to your second (third, fourth, fifth) million.
Generally... less and less time.
Hey some positivity! Good to see you shining and smiling again beat the bush!
Goes to show real estate is one of the best wealth builders available . Congrats 🎉
Only if you live there for a long time. Real estate gains you between 2.8 to 4.1% yearly returns on equity, sometimes 5%. But like many here say, you have to sell your house to realize your assets.
Louis Nguyen thats why you buy rental properties . Create some easy passive income.
The last 10 years is a big anomaly. The fed pretty much inflated the prices by lowering interest rates. I really dont know what is going to happen to real estate when interest rates start going back up again.
Am I trippin? Or do you have some kind of light thing going on your back wall?
Yes, something with his camera
Yaaaaaay! He's back! 👏🏾👏🏾👏🏾
In your opinion, is this a good time to buy a house around the bay? I am currently a software engineer in the Bay Area.
Standing on the shoulder of giants thank you for all your advise I'll follow in your footsteps and reach your status! Still a novice but improving!
Yep, assumed that you have a few million from house plus the type of job you had, investing mentality, and RUclips can't hurt. Also I would need a few million to feel confident to retire young, well I guess depends on passive income and youtube stream.
What happened to skunky stuffy? Nice shirt. What program do you use to track your net worth? How often do you check it? Did you buy Tesla?
I remember when I hit $1,000 when I was 16 and I was like WOAHH YEAA
Making my first million: married a woman who loves to save money, paid off first house in 3 years, saved 50%+ of salary, lived frugally, invested in small company growth and international mutual funds, bought needs not desires, invested aggressively and continually, maxed out all 401k and IRAs. Making second million was easier! Pretty much lived the lifestyle of The Millionaire Nextdoor.
GLD (8:24)? If this is a stock, then I can NOT find it on the internet. Does it have a name?
It is an ETF, or Exchange Traded Fund that you can buy and sell just like a stock.
For some reason you have a black shadow line going up your video all through out. not sure if camera or editing did it.
The journey is always better than the destination.
That what happen when you live the frugal life 😇
The Bush flexing its branches :)
I am in a eastern europe and here having a million euros is not so common. However being an engineer and getting US type grants from the company, I am on my way to get there. Frugality helps - I don't own a fancy car, nor taking expensive vacations.
Two words for you, BODY GUARD
So how many millions do you have now?
What are your thoughts on the tech stock SRBBF? Do you think it will break a dollar?