6 Financial Goals To Achieve In Your 30s
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- Опубликовано: 8 июл 2024
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In this video I share 6 Financial Goals that will help set you up for the future if you manage to focus on achieving them by 30s.
⌚️Timestamps:
00:00 - Introduction
00:30 - Career Capital
02:19 - Mortality Fund
03:18 - Measure It
04:23 - Put Your Eggs in Different Baskets
05:36 - Making Money Your Labourers
07:17 - Credit Card & Consumer Debt
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DISCLAIMERS & DISCLOSURES
This content is for education and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
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@@annajegorova6120 Hey Anna, I've just checked - only one referral code can be used per account :)
@@nischa Thank you for checking!
You need to get Amazon affiliate links to the books you mention in your videos.
I'm in my 30s and had a rough start. I've learned early on that life is not fair and took all my life to pull out of poverty, saving as much as I can to have funds to get out. Boy, was it hard, and understand why people resort to substance abuse and fall into depression. I had no enjoyment in my youth. Now that I am building stability, I need to balance saving, investing, and living life. When you start from nothing, normal things are a luxury.
I feel you 100%. Born porridge in a 3rd world country, in my mid 30s and yet to enjoy life. It's been struggle all the way.
Poverty can be a teacher. When you start making money, you will already know how to budget. Its a tool most people dont learn until much later in life. The thing you need to learn is how to invest. Read Common Sense Investing by Jack Bogle. It teaches a steady, low fee investment approach.
What you said I can relate to, in a way. It is a kind of burden to start off like you did, but it is also a blessing. You now know all these things you had to learn while being poor, you know what are absolute necessities and how to be frugal. I am grateful my family was not wealthy and had to start building my wealth from scratch, such start has more value, than any money you would ever earn or save. All I can add to this is - well done sir and keep up the good work as it will (and probably already is) pay off. Live life to the fullest my friend. :)
I felt this deeply . Most of us are in the same boat . But is better late than never. 👏 I’m also in my 30s and now is when I’m learning .
i'm in my 50s and I couldn't agree more with her teaching and i have come to understand that it's good to build your portfolio from a young age but it's better to have financial professional to educate you on the best decisions around your funds.. Jospeh levi does a good job.
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@@marilynfavali well said
@@marilynfavali thank you for the tip
Thank you Nischa, I was diagnosed with a chronic illness in my late 20s and wasn’t able to work, had to leave education with 1 year left to go 😢 and was in debt. Over the last 3 years, I adjusted to my illness, worked really hard, retrained in a different field, opened my own business during lockdown, became debt free last year and have savings for a house deposit. Have been following you for the past 6 months and you’re information is a true blessing. X
I’m 28 and feel kind of late to the game, always just lived how I wanted and I’ve enjoyed my life. However, this video could not have come at a more perfect time! Approaching my 30s and wanting to have a clear understanding of my finances and what to do with them, this channel has been great. So clear and concise. The finance tracker is amazing too and free! So thank you Nischa 🙏🏼
Same here! You got this!
Thank you so much Ell, I'm glad it's helped - it is never too late to start when it comes to money :)
Never it’s too late.
Never too late bro!
perfect time to start getting into investing into the stock market i personally have 25% into S&P500 ETF the other 75% split with microsoft amazon google tesla starbucks jpmorgan, with some growth stocks like polestar and sofi sprinkled in
I actually really appreciate this, especially the final point about timelines. I just turned 36 and I started watching this like "yeah i'm doing alright, and then as it went on it became "oh damn, I've got work to do. But actually, just a quick mindset shift of "OK how can I adapt this so that 40 looks like success to me", just helped me reframe this and still look at this as a really good starting point! Thank you!
Thank you so much Nischa! I’m 40 and I’m learning all these things to set my daughter up for the future. This is all amazing. Thank you for taking the time to make all this content.
Thank you for this Nischa! What I love about your videos is the caveat that you add that it might not be the best thing for everyone - I really appreciate how you make it clear that this is 'what works for you' and you encourage us to think about it for ourselves and our circumstances. Nice refreshing change from the 'YOU MUST DO THIS OR FAIL' clickbait. Really valuable insights - thank you!
I’m 27, about to take my SIE and series 7. I feel so lost on the middle. Idk if I will even pass, but god your videos have been so helpful and assured me I want to be in finance and just love hearing and talking about it! Thank you for everything!
As a 24 year old I appreciate all this information. I started investing into the stock market 5 months ago and I’ve learned so much from you on top of learning how to make passive income and working on being tight on my money. I’ve been keeping up with your advice and instead of wasting my money on things I don’t really need I’ve invested more into my portfolio.
You're doing really well!
What job are you doing
Please also spend time and money on things you enjoy! Your 20s are about experiencing new things and exploring the world! Don't miss opportunities that come your way. As you get older, taking advantage of these things gets harder as you have more commitments and change gets more complicated. You're doing a great job financially and the first step is starting, so well done! :) Especially, after the restrictions of the past years due to the pandemic, young people like yourself have missed out on a lot of those possibilities. :)
Nischa, I would like to congratulate you on your healthy mindset and that you promote a healthy mindset to others out there that don’t know the basics of financial education. I did recommend your videos to some young friends of mine (more girls as you explain on what expenses you’ve managed to cut short). Great work! Keep it up
This account is re-emphasizing the ideas that have been creeping up on me. Thank you for re-affirmimg my goals.
Glad I've found your channel - just sorting out my finances for 2024! Great video and very calming aura/vibe! 🙂
Im a doctor in my 40ies - and learning so much from you, looking forward to sunday every week now :) thank you for the great value!
@@jasereed5258 I'm a contractor in my early 50s just in case anyone's curious.
This is a very nice information.
Sometimes you know everything, but someone reminding you makes all the difference.
Very well articulated
Really love your content Nischa! You gave me a big push to start a side hustle in the form of RUclips content as well. Thanks and keep rocking!
I am now 40 and can say this video is very good advise. It’s a shame Nischa didn’t make this video 10 years ago!! 😊
Was about to say something similar 🤣.
Golden advice and I notice you’ve slowed down your speaking pace- very helpful and makes your valuable presentation even more enjoyable. Great channel. ♥️🙏🏼
Hi Nischa, thanks for sharing awesome tips. I started my path to reinventing myself a year ago, I'm now living healthier, confident, stronger, making 6 figures, having leisure to enjoy family & friends. I feel happier and living my life for myself. This is to encourage someone "you can start anytime to have a reset it's worth it! I'm striving to continue growing cus it's a journey❤️
I'm currently 29 and I love these goals! Thanks for sharing Nischa
Thank you, Nischa. You're a well-spoken woman 💖
I just got done with my CFA Level 3 exam and now that i'm free, I'm super excited to binge watch all the videos.😍😍
You are such an asset, Nischa. I get inspiration, learning, tips, and ideas - all from one RUclips account - you. Thanks for being a RUclipsr and for everything you share here.
This just gave me reassurance that I’m on the right path! Thanks for the video!
I have been watching your videos for a few months now and it's so great to have all this information readily available. I'm in my early 30's and honestly wish I knew about all of this in my early 20's. Your free finance tracker is fantastic! I had a basic one set up myself for all of our household outgoings but yours is in so much more detail and it has been a real eye opener on where we can work harder!
On the way to reaching our 'simple life' and 'self sufficient' life goals and with this we will get there sooner I'm sure! Thanks for your video!
Nischa, your videos are of the highest calibre, truly outstanding. Thanks very much!
Hi Nischa! I’m excited about today’s video and yes, I have my pen and paper to write down those wisdom nuggets
The Financial goal plan you have created is truly the cornerstone of Success, Thank you Nischa ~Wishing you another Best Day Ever !
~Mark
Learning how to manage your finances is so important. Thanks for this video!
You're Beautiful!! ... Inside and out!!😍 ... Thank you for starting this RUclips channel and for sharing this valuable advice with us all!! God bless you, Nischa!!😇
I'm 35 so late to the party but I'm soaking up your videos and any books about finance and investing. I've already significantly improved my financial situation 😊
Doing research for my next video, it was mind-numbing how many households live paycheck to paycheck and goal setting is such a crucial part of building a good foundation; so great video and a great topic!
Great video as always. I am 37 and your videos are helping me to get started with financial/investment planning. Thanks a ton!
Great advice, thanks!
I'm in my 40s and I still loved this content. I save and invest £3,000 every month and only spend what I have left after the mortgage and bills have been paid, never the other way around. Keep up the fantastic work 🙋♀️
How do you balance spending on hobbies or passions? Great there's someone finally from the UK talking about finance...
@@nathanielmills4678I spend on hobbies etc with the money I have left over, so I do allocate a pot for socialising. If I go on holiday one month I will save a little less. Hope this helps
@@nathanielmills4678 my hobby is collecting pokemon cards the good thing with that was they increase in value over time especially sealed collections of them, so find a hobby that the things you collect/get grow in value.
@@Danzo1212 Nice I do the same with video games.
@@nathanielmills4678 it's called living you 'rich life' - read 'I will teach you to be rich' by Ramit Sethi :) Streamline your finances and then what's rest after you've saved, invested, paid bills is what you spend on yourself. We all have the right to enjoy life. Who know, maybe we won't get the chance to use that nest egg, so make sure you don't sacrifice everything for that future.
Hey Nischa, great video. I love the idea of building Career Capital specially with high-income skills that are rewarding and pleasurable. It not only helps grow active income faster but also gives one a sense of confidence and authority knowing they possess skills that create economic value. Thank you for your video ❤
I Just turned 40 and spent the past 4 years paying down debt and building up savings and investments. I'm debt free and on that track, so yes, definitely different timelines, but it's never too late to start. :)
Hi nishca thank you for your time effort and great work(content) I really enjoy what you produce.
You have qualified to become my financial Mentor on RUclips. I have many mentors but you are one of those that are most confidence on camera. normally I only relate to people that are confident in themselves because im confident and much humbled and a bit conceited. Anyway produce more and I'll keep watching and learn ,to form my life around these advice lessons to grow into a monster of knowledge.
Peace-out
Thank you Nischa for this fantastic and educative video. I'm 28 and you've just changed my way of spending.
After watching this video, I felt more excited and confident in myself as I have started my journey few months ago. Thanks for this content
Your channel is absolutely rocketing! It's one of the very very few I follow
I'm so happy I bumped into this channel, wholly agree with agree and I'm actually doing a lot of these things.
Best advice for me right now... "Find your Nischa".
Thanks for your knowledge and experience. You are a wealth of... wealth.
I love you Nischa !
Appreciate this ✨️
Great compilation. Thank you!🙏🏻
Love the mindset for the videos! I’m glad that I’m debt free and looking towards my goals and what I really want to do so early in life at the age of 24. Hoping to retire by 40! 😊
Loved the content Nischa!
Keep up the good work!
Great advice as always! Thanks Nischa!💞
Yes i am on it.
Thanks for the video.
1. Career capital- your potential
2. Mortality capital- emergency fund
3. Measure it- long term saving goals
4. Put your eggs in different baskets
5. Make money your labourers - real estate, stocks etc
6. Pay off credit card and consumer debt
Thank you so much for this video, please do more of these! This is great and informative video😁Thank you!
Thanks. Super advice in no time for the young & mid aged employess. It covers contents of several books on finance & invedtments.
Another great video Nischa.
No one begins the race exactly the same time. Gives me peace
This is more of a request because I love your content so much and it’s just easy to follow! Google results can be so overwhelming when trying to sort through answers. Can you do some content on student loans, paying back high interest debts, saving for deposits etc. How would you manage these aspects when trying to deal with day to day expenses, what should you prioritise
thx for sharing your room
There is something else more fundamental than this as many enter their 30s and that is having children - I know not everyone but this is a game changing, life changing and financial changing inflexion point in your life
Thank you, I really need this!
I am 26, and I hope I can follow all the advice in this video. Thanks Nischa
So glad you have new mic set up. Previous audio was unlistenable
Hey, new subscriber after this video :) Super concise, awesome video. I’m a 29 year old finance broker and I’m starting to tighten the reigns and can confirm everything you said is sound advice. Loved your delivery.
Yes, active income was the perfect starting point for me. I now have a few sources of income. And I recently started a RUclips channel that not only makes me happy by giving me a creative outlet and by helping people with health advice, but hopefully it will also be a source of income down the road.
Fantastic advice all around! 👍🏼
Nischa is one of the most inspiring & valuable person to be around. Her videos are great. Who agrees? One of my inspirations to starting my own finance/business content🤝
Thank you so much!
I have just come across one of your videos today through RUclips recommending. Definitely going to to have to rewatch alot of videos again. Though I am 40 I am sure there is some info I can still get from this video. I alright when it comes to managing my finances but I know there are things I can learn and your videos may be exactly what I need
Such a useful video!! Thank you 🙏🏽
The point about corporations suddenly deciding to let you go hits the nail of the coffin.....be loyal to nobody but yourself....contracting long term is viable if you get to a certain level and have developed unique skills in blue chip companies...you will be in hot demand in the job market and by working on your strengths your value will compound and you will significantly outearn your peers...the extra revenue can than be reinvested in further self development...without the strain of relying on an organisation holding the purse strings...
fantastic as always
Thank you for your excellent advice in your videos
Another helpful video Nischa thank you! As I'm in my 30s this is perfect timing haha xx
Hey Camilla! Glad it’s helpful- Thank you for always supporting Xx
@@nischa could you share the budget excel? great video btw
Good morning, Thank you for all the Financial advice it’s very helpful. You are beautiful God Bless you. Just a Compliment ❤
Great video as always!! 😍
You have been a good inspiration for me and yeah even though I wish I could have had these information a couple of years ago since am nearing to 30 and just starting to make investments. You have made some changes in the way I view myself and opened up some paths so that I can start from scratch.. I am indebted to you for that Miss Nischa..
Fantastic!. I am always connected to your videos. You convey a very useful financial information.
Hi Nischa, thanks for sharing awesome tips. I started my path to reinventing myself a year ago, I'm now living healthier, confident, stronger, making 6 figures, having leisure to enjoy family & friends. I feel happier and living my life for myself. This is to encourage someone "you can start anytime to have a reset it's worth it! I'm striving to continue growing cus it's a journey💖💖
Congratulations Monica 🎊🎊 Thanks for encouraging others with your story, I will love to get tips from you too.
@@nicolajessica Change your mindset, read self-help books, expand knowledge, budget and don't spend on impulse, save, take your finances seriously, eat healthy, exercise your body, meditate; the list goes on... I hope it is useful to you.
That is so amazing!! Thank you for sharing your story. I really hope it inspires other ladies out there to start taking action.
@@monica64340 How did you grow to 6 Figure? I'm honestly trying to work on my personal finance this year.
@@marlena408 I learned to be thrifty, spending as little as possible, saving and paying myself first by investing, making plans, developing passive income, reading a lot of financial books, and sticking to my plan regularly.
Good to know there’s no secret I’m missing 😅 great vid with the right fundamentals 🙌🏾
A video about your advice on rising up the corporate ladder and negotiating pay rises at work would be great 😊
Very informative and useful video. I’m 40 and as though I feel I might be late to the game. It still gives me some light to set and achieve some goals
It's never too late! They always say 'yesterday' was the best time to start investing. I think in 10-20 years time you will be thankful that you started at all! And yes, younger people seem a lot more sensible then our generation (I'm also 40). But I had fun in my 20s and travelled the world. So that was the sacrifice I made. Would I do it again. Yes. But smarter (no debt, only on savings).
I appreciate you so much literally I love the way you explain and actually give us real things to use and free. Thank you so much I’ve watching all ur. Ideas. I clean houses for a company and I just open my own cleaning business well my llc but I want to stop doing labor worm
well done thanks
you gave some great ideas and goals great explaining skills and easy to understand
Hi Nischa,
First of all, I would like to thank you for the excellent financial education video. I hope to watch it again and again. I have been following your channel for a long time, and I would love to see your advice on part-time online jobs. As a business analyst student, I am currently looking for such opportunities. Thanks again and have a great day.
Thank you for the content @nischa
Awesome information ,You might already know this but the emails from your website are going straight to spam folder just in case you are not aware.
Thank you.
Quality video as always! Can you make a video on paying back student loans in UK? Whether it’s better to pay off the loan in one go, over pay by £x a month or just wait 30 years? There aren’t really any new videos or guidance around this so would really appreciate it xx 😊
yes - great idea!
I'm not in my 30s yet but I learned a lot. Thank you ❤️❤️
I wish I knew all this when I started working in my teens. I would have opened a savings account back then. I only started saving seriously in my mid 30s.
Great suggestions, especially the mortality fund, and especially in times like right now, with economy uncertainty, and high savings account interest rates, being 4-5%. So $10k would be generating an additional $400-500 a year of income, just a small $10k emergency fund, growing itself.
Great content 👍🏼👍🏼
I’m 25 starting my real career soon because I’ve been working hard at low paying jobs for years. I’ve been working since I was 16 so I know a lot about what to do in certain situations and how to manage my finances and live below means. Also the most important thing is not falling into lifestyle inflation ie when I got an well paying job wanting to buy more luxurious things. It’s better to just stick to the basics. Also I found the rule if you can’t buy it three times you can’t afford it. Also not buying expensive cars because it’s not as important as housing. I’m glad I’m debt free.
My wife and I talk about having career security. I've been hit by redundancies twice, changed career path numerous times and we both focused on expanding what we know so that we can be valuable in our day jobs, and move quickly should the need arise. It's been a long rocky path, but finally feel stable and secure (were 36+40. Late to the game for sure :D )
Better late than never. Many never even start
@@boxergirl84
Totally agree with you.
It's never too late! You still have time to build wealth. Sure, those who start early have an advantage, but I also agree that better now than not at all. Besides, everyone's circumstances are different and it seems like you may have had a rough time for some years. so hats off to you!
Appreciate the responses. Yeah, behind the curve but in a good position. We live comfortably, and have had the opportunity to fast track some of our investments since we both work in finance, so just taking advantage whilst we can :)
thanks, good video
Awesome video❤️❤️❤️❤️❤️. I've never had a credit card in my life.
Great video, I wish I learned about paying off credit cards and consumer debt in my 20’s 🤦♂️. I use travel rewards cards but I pay off those balances each month. This way I can save and invest more.
I hope im not mistaken. I learnt that sometimes active income is more valuable due to investment in skills to further upgrade income . After that it makes sense to set money aside in passive income. This is refreshing.
Another Great video 📸..keep it going .
Thank you
388k subs already? Wow! Well done 👏
Probably the most helpful person on yt, sadly my country tax levels are so high, I feel hopeless
I love the tracker and have signed up to the 212 app. I’ve absolutely no idea what I’m doing 😂 But it’s a start x
Excellent video Sister.
This should be taught in schools instead of many useless topics. Great video, as always.