I love how you went from “I spend $3,000 a year on renting used clothes. It’s not THAT much” to “$3 a week on a subscription adds up! It’s a lot!” THAT IS GROWTH! Your view of money is changing!
Please don’t lease a car. What a waste of money. Buy a used car you can afford, keep up maintenance and drive it for years and years. Don’t make it about keeping up appearances or with the Jones’.
This! As a European, I just cannot comprehend why people are leasing all these new cars, which they clearly cannot afford. And even if one is able to save up to buy a particular car, maintenance can be a huge b*tch.
@@Mc.flyyy11 two years ago I got rid of a 2007 Camry with almost 300,000 miles on it. It was so cheap to own and drive. I did buy a new Toyota, but I often wish, that I’d have squeezed what juice was left out of it.
Yesss! When I bought my condo, I was going to take money out of my Roth IRA to cover part of the downpayment and the banker was like “DO NOT DO THAT! Don’t touch your ROTH!” and I was like “But I can withdraw $10K without penalty for my first home” and he was like “you can’t find $10K anywhere else?! Don’t touch it”
I love that we all collectively worldwide are either becoming more aware of our spending or were all getting screwed. 5 years ago no one was talking about money,was tabu
It's crazy that we have to teach ourselves these things, that it isn't part of our schooling prior to being able to apply for a job. Can you imagine having this seed planted in your head that early and being able to put it into practice so young? I know knowledge is only part of the solution but it's a great start. I think putting into practice what we have learned comes with experience and maturity. If therapy were more assessable, unpacking some of the reasons for shopping could have been hugely helpful when you are younger.
Great video. The "sounding board" that we provide is because we've all been there in one way or another. Everyone's situation is both unique and similar. Save for the wants, over time while paying off the debt and funding the needs. You're doing great! 🙂 I really enjoy your content. Thank you for being so transparent about it all. I too took a loan out on my 401K 6 years ago and then lost that job that was sponsoring it and had to pay a TON of taxes the next year as well as lost out on about 20 years of compound interest growth. Girl..the things I've done! LOL There's always a way to better the sins of the past. The hardest part is to admit the sins, then you can turn it around. You're doing great! 🙂 I really enjoy your content. Thank you for being so transparent about it all.
I love this comment. When it comes to talking about finances on social media, there are so many “experts” that love to admonish and condemn. The reality is that we all have to start somewhere. I commend her on her transparency and accountability. I can relate to alot of what she speaks about.
I’d love to see a video from you on starting a new channel and getting monetized. I’d like to start a channel documenting my journey on starting over after severely burning out at age 50. Rebuilding my health and my finances. I know there are so many other women in a similar position as me.
Great video and loved Aspen’s cameo appearance! I follow a zero based budget, using cash envelopes and use The Budget Mom’s workbook. I also obsessively check my banking multiple times a day too so I get it. I look forward to your videos and you’re doing a great job by the sounds of things. Keep up the great work! Remember there is freedom in a budget 😊.
Some of the "guru's" out there want folks to "invest in themselves" even if they go into debt. I've gotten into some of these. These are the personal development folks.
I thoroughly enjoy your videos. I find that having kids makes it much more difficult to plan financially, especially with school starting. I’ve had to spend a lot of school clothes (they grew a lot) and school supplies. I need to plan better for these expenses in the future.
I am a single mother of 2 kids, house, dig and cats and I started my frugal journey just 1,5months ago 🙌 so many changes already! I will have a lowbuy/nobuy 10months until next summer. Just in 5 weeks I have paid of my 2000€ VISA bill, and in september I will have paid off my 3 other smaller depts. After that I will just start saving like crazy, and after that some investing and after that start paying off my mortage and renovation loans faster 🙏
I just watched all your videos, and I’m proud to see your progress and learning through them! I think you’re very brave for sharing this, and I can relate with having body dysmorphia and using money to overcompensate it.
I'm really glad I found your channel when I did!! I can see this channel growing tremendously with your consistency, personality, and high quality production. Keep it up and I'll be here cheering you on along the way!!
So glad u found you and really thank you for your transparency. These r things we go through and no one wants to talk about it . I’m a subscriber and catching up on all your videos now
I am in the same category with you too regarding money. I have started teaching myself about financial education for a few months. I am really surprised to learn how much money I can make through brokerage accounts, etc.
I know all about taking money out of 401k. Ive done it everytime Ive been laid off which is unavoidable to a large degree but I started a ROTH as well trying to catch up. All I can do is the best I can and learn from my mistakes.
Great channel. Why are you not selling your items on eBay? I’m decluttering selling clothes and household items. I don’t go crazy and make about $200 month. It’s what you want it to be. Missed opportunity. ✅
I watch few different channels and not all videos are interesting to watch... With your content I love all your topics and stories. I can relate as a woman in her 30s that loves beauty. I am beyond blessed financially but love to keep weekly reminders to save and invest religiously ❤️
Isn't the 20/40/10 rule for BUYING a used car? I've never heard it applied to leasing - which just shouldn't be done. As for current HYSA vs. Sofi vs. CIT - rates will drop starting September so I think you're fine to see where the dust settles. If one bank seems to be holding higher than the rest I think it's worthwhile to do the couple hours of work to switch.
Hey babe! Can you talk about your real estate career and how it’s made you take from your savings? I feel a lot of us realtors are in the same position. A video suggestion could be talking about your perspective since you now have a regular job.. I feel like that was the turning point your real estate career. I think that moment was critical to where you are now as well! Lots of love 🤍 thanks for sharing your story .. you’re not alone!!!
Thanks so much. I have considered doing a video like that. I also do the marketing for a lot of realtors, so that may be something to come in the future 💛
Your videos are so so so helpful, thank you 1000 times. Also I feel like we can already see your confidence growing, as you shed the things you were spending on due to insecurities. It seems your learning quickly about your worth and your ability to make this happen for yourself. By the way you look great in glasses! Hi Aspen!
Hi! I've followed you from the beginning and have to say I love your candour and your personality and look forward to seeing your weekly videos. I would actually love to see more of your everyday life going forward rather than just focusing purely on finances and, having seen your pets in the background often, it was lovely to be introduced to Aspen in this video!
20/4/10 never heard of that. I believe its supposed to be 20/3/8 from the money guy show. Oh boy now i have to ask them who thought it up first. And i do believe that is about buying a car. Never lease.
By in large, what you lack is financial discipline. I want you to read that out loud. Also, a car lease?!?!?!? A lease. I want you, as a homework assignment, to go into how financial dumb it is for a young professional, or even a mid career professional, to lease a vehicle. I want YOU to break down the costs and tell your community how financial terrible it is to do such an action. Because that is the truth. Also, you shouldn't try to do things like save and pay down debt, as a goal, all at the same time. That is a recipe for going nowhere. Save for a small cushion. THEN Pay down ALL debt. Then save for a larger cushion, then invest. A disciplined person would do that. And it can be you. But you to want to change. And I hope that you do.
We are very similar. I will be 39 in October. I’m curious if you may also have ADD? I think I became addicted to shopping, because I have low dopamine. I am also a bit OCD, so it was a way of getting a dopamine fix, AND having control (in my mind) over my life. I also have BDD, so I’m very obsessed with my appearance and I have always loved fashion. I think it’s getting a bit better as I’m getting older, and putting more value into my knowledge and less into physical superficiality. ❤
This!!! I’m 27 and just got diagnosed with ADD. I’m a super high achiever so I never thought it was me but recently my eyes have been opened and I have learned so much more about myself ♥️
Barrista fire is where its at. Dividend investing into etfs until i replace my current income, then go work part time or whenever i feel like is the goal 🙌. Keep pushing, keep saving and investing. Leave a good legacy and story. Keep it up, its a journey
You are not saving any money until you are in dept. It's only a trick of mind. You are only using the money that you owe to other people, using other people, or irs, or car loan money that you supposed to pay back them, but instead you use it to earn youself some interest on it. But it's poor math to take the money from credit card with 25percent and put it high yield accont with 4,5percent.
How about 0% interest for a year. Take the borrowed money, invest in a high yielding asset for the year, reap the benefits, then pay it off before the 0% interest expires
You never know what happens in that year, and will you be able to pay the loan on time. No loan - no risk - no sleepless nights in your life... And then no payments and only guaranteed interest, on your own saved money 🎉
Smart phones haven't had an actual innovative change in a long time. iPhone 16 will be identical to your current phone, plus a marginally better camera.
@@amill1563I hv a 14 pro and hv decided I’m not gonna upgrade until they stop allowing updates on it. The camera can only improve so much, and it’s not worth it.
By law, you are required to pay tax on interest gained from banks. UNLESS you open that bank account THROUGH a Roth IRA or Roth 401k. But then, you cannot touch the interest gained until age 59.5.
Love your channel!! Do you sell your excess clothing/shoes/accessories on apps like Poshmark? AND YES - ACCOUNTABILITY!!!! when I got sober almost 6 years ago, I started a temporary Instagram to keep me accountable!! And it totally helped!!!! Lastly - I'M HERE FOR THE PUP!! ❤❤❤❤ WHAT A BABY DOLL!!!!
I love how you went from “I spend $3,000 a year on renting used clothes. It’s not THAT much” to “$3 a week on a subscription adds up! It’s a lot!” THAT IS GROWTH! Your view of money is changing!
Please don’t lease a car. What a waste of money. Buy a used car you can afford, keep up maintenance and drive it for years and years. Don’t make it about keeping up appearances or with the Jones’.
Please please please don’t lease a car.
This! As a European, I just cannot comprehend why people are leasing all these new cars, which they clearly cannot afford. And even if one is able to save up to buy a particular car, maintenance can be a huge b*tch.
Buy a used Honda or Toyota and call it a day for 25 years 😂
@@Mc.flyyy11 two years ago I got rid of a 2007 Camry with almost 300,000 miles on it. It was so cheap to own and drive. I did buy a new Toyota, but I often wish, that I’d have squeezed what juice was left out of it.
I agree with others not to lease a car. Get a cheap car to drive temporarily while saving up to buy a better car.
Yesss! When I bought my condo, I was going to take money out of my Roth IRA to cover part of the downpayment and the banker was like “DO NOT DO THAT! Don’t touch your ROTH!” and I was like “But I can withdraw $10K without penalty for my first home” and he was like “you can’t find $10K anywhere else?! Don’t touch it”
He is right. You need to have money in separate accounts with online brokers. Don't put all your eggs in one basket.
I would simplify the leased vehicle rule and just say never, ever do it.
Very true and I never will again. That said, a lot of Americans do, so if you’re going to do it, best to be smart about it.
I think it should start one step before with not getting a too expensive car.
@@jochenkraus7016A lot (majority) of American are BROKE. Never do what they do. So never lease or finance a car.
I love that we all collectively worldwide are either becoming more aware of our spending or were all getting screwed. 5 years ago no one was talking about money,was tabu
It's crazy that we have to teach ourselves these things, that it isn't part of our schooling prior to being able to apply for a job. Can you imagine having this seed planted in your head that early and being able to put it into practice so young? I know knowledge is only part of the solution but it's a great start. I think putting into practice what we have learned comes with experience and maturity. If therapy were more assessable, unpacking some of the reasons for shopping could have been hugely helpful when you are younger.
Great video. The "sounding board" that we provide is because we've all been there in one way or another. Everyone's situation is both unique and similar. Save for the wants, over time while paying off the debt and funding the needs. You're doing great! 🙂 I really enjoy your content. Thank you for being so transparent about it all.
I too took a loan out on my 401K 6 years ago and then lost that job that was sponsoring it and had to pay a TON of taxes the next year as well as lost out on about 20 years of compound interest growth. Girl..the things I've done! LOL
There's always a way to better the sins of the past. The hardest part is to admit the sins, then you can turn it around.
You're doing great! 🙂 I really enjoy your content. Thank you for being so transparent about it all.
I love this comment. When it comes to talking about finances on social media, there are so many “experts” that love to admonish and condemn. The reality is that we all have to start somewhere. I commend her on her transparency and accountability. I can relate to alot of what she speaks about.
I track all my food and calories. And I try to track all my expenses
I’d love to see a video from you on starting a new channel and getting monetized. I’d like to start a channel documenting my journey on starting over after severely burning out at age 50. Rebuilding my health and my finances. I know there are so many other women in a similar position as me.
Check out Robert Blake. He gives so many free tips about you tube. Think media does as well.
Yes there are definitely other women in the same position, I say do it. I will be making a video on it soon 💛
I’d thoroughly enjoy you doing a video on starting your channel and getting monetised ❤❤
Great video and loved Aspen’s cameo appearance! I follow a zero based budget, using cash envelopes and use The Budget Mom’s workbook. I also obsessively check my banking multiple times a day too so I get it. I look forward to your videos and you’re doing a great job by the sounds of things. Keep up the great work! Remember there is freedom in a budget 😊.
Some of the "guru's" out there want folks to "invest in themselves" even if they go into debt. I've gotten into some of these. These are the personal development folks.
Most brokerage accounts have around 5 percent for keeping your money in there and the most important thing is you can then invest at the same time
I thoroughly enjoy your videos. I find that having kids makes it much more difficult to plan financially, especially with school starting. I’ve had to spend a lot of school clothes (they grew a lot) and school supplies. I need to plan better for these expenses in the future.
A sinking fund is perfect for that.
I feel you on this, we hear it all the time, kids are expensive, but truly fathoming how much more money we have to set aside is difficult.
I am a single mother of 2 kids, house, dig and cats and I started my frugal journey just 1,5months ago 🙌 so many changes already! I will have a lowbuy/nobuy 10months until next summer. Just in 5 weeks I have paid of my 2000€ VISA bill, and in september I will have paid off my 3 other smaller depts. After that I will just start saving like crazy, and after that some investing and after that start paying off my mortage and renovation loans faster 🙏
I dod ot twice from two different 401k and a ROTH IRA. I know the ugly feeling that comes after realizing what I did. ❤
I feel like m not financially careful
Ur content is a reminder to myself❤ love ur honesty
Thank you 💛
I love your channel! Your voice and cadence is very soothly and relaxing. Thanks for all the tips!
I agree. She has such personable energy.
I just watched all your videos, and I’m proud to see your progress and learning through them! I think you’re very brave for sharing this, and I can relate with having body dysmorphia and using money to overcompensate it.
I'm really glad I found your channel when I did!! I can see this channel growing tremendously with your consistency, personality, and high quality production. Keep it up and I'll be here cheering you on along the way!!
You’re amazing, thank you!!
So glad u found you and really thank you for your transparency. These r things we go through and no one wants to talk about it . I’m a subscriber and catching up on all your videos now
I am in the same category with you too regarding money. I have started teaching myself about financial education for a few months. I am really surprised to learn how much money I can make through brokerage accounts, etc.
I would sell your love bracelet. The resale value is high and honestly they are no longer a status symbol. Teenagers have them now 🤯!
You have such a beautiful dog! 😊
I know all about taking money out of 401k. Ive done it everytime Ive been laid off which is unavoidable to a large degree but I started a ROTH as well trying to catch up. All I can do is the best I can and learn from my mistakes.
Do you have any emergency fund? This can save you if you ever lose your job again.
@@Abbyyenayes. I'm doing better and have e fund but only about 4 mos.worth of bills
Great content. Thanks for the motivation
👍🏽👍🏽
I totally agree with your savings advice.However if your credit cards are of a higher percentage it's best to pay those off first, if possible
I love capital one. My budgeting & automatic savings gets easier.
Great channel. Why are you not selling your items on eBay? I’m decluttering selling clothes and household items. I don’t go crazy and make about $200 month. It’s what you want it to be. Missed opportunity. ✅
Found an oil change place that will change my oil for $25 when I bring my own oil and filter.
A similar thing has happened to me too.
@@amill1563 my mom does that. 😄
I watch few different channels and not all videos are interesting to watch...
With your content I love all your topics and stories. I can relate as a woman in her 30s that loves beauty. I am beyond blessed financially but love to keep weekly reminders to save and invest religiously ❤️
Thank you and so glad to hear 💛
Love your videos!
Food is next! Costco/Sam's Club Aldi/Lidl and vietually no meals out!
You are doing a great service. Keep going. You are inspiring.
Isn't the 20/40/10 rule for BUYING a used car? I've never heard it applied to leasing - which just shouldn't be done.
As for current HYSA vs. Sofi vs. CIT - rates will drop starting September so I think you're fine to see where the dust settles. If one bank seems to be holding higher than the rest I think it's worthwhile to do the couple hours of work to switch.
I know this is going to sound counter productive. But I love your glasses. Are you able to link them?
Book summaries sounds really exciting ! I’m looking forward to it.
Gorgeous wee doggie ❤❤❤❤ xxx
Hey babe! Can you talk about your real estate career and how it’s made you take from your savings? I feel a lot of us realtors are in the same position. A video suggestion could be talking about your perspective since you now have a regular job.. I feel like that was the turning point your real estate career. I think that moment was critical to where you are now as well! Lots of love 🤍 thanks for sharing your story .. you’re not alone!!!
Thanks so much. I have considered doing a video like that. I also do the marketing for a lot of realtors, so that may be something to come in the future 💛
Thanks for the tip on the high interest savings account. I need to do this for sure.
we're on a similar financial path, enjoying the vids!
Your videos are so so so helpful, thank you 1000 times. Also I feel like we can already see your confidence growing, as you shed the things you were spending on due to insecurities. It seems your learning quickly about your worth and your ability to make this happen for yourself. By the way you look great in glasses! Hi Aspen!
Hi! I've followed you from the beginning and have to say I love your candour and your personality and look forward to seeing your weekly videos. I would actually love to see more of your everyday life going forward rather than just focusing purely on finances and, having seen your pets in the background often, it was lovely to be introduced to Aspen in this video!
Hi! Thanks so much. It might take a little while but the lifestyle/vlog type videos will likely come in the future 😊
You are really helpful
Love your channel❤keep up good work
You should NEVER lease a car. It is the most expensive way to own a car
Loving your content!💛💛💛
20/4/10 never heard of that. I believe its supposed to be 20/3/8 from the money guy show. Oh boy now i have to ask them who thought it up first. And i do believe that is about buying a car. Never lease.
I look forward to every time you post a new video!
So good to hear 😊💛
Anyone binge shop and then binge return?
Your best video!
2:02 sadly, I do this all the time as well
Your doggie is beautiful!
I agree 100% with all the rules! Great content!
Also, is Aspen an American Eskimo? I used to have one! They are fantastic dogs!
Yes he is!! Love him and thank you 💛
By in large, what you lack is financial discipline. I want you to read that out loud. Also, a car lease?!?!?!? A lease. I want you, as a homework assignment, to go into how financial dumb it is for a young professional, or even a mid career professional, to lease a vehicle. I want YOU to break down the costs and tell your community how financial terrible it is to do such an action. Because that is the truth. Also, you shouldn't try to do things like save and pay down debt, as a goal, all at the same time. That is a recipe for going nowhere. Save for a small cushion. THEN Pay down ALL debt. Then save for a larger cushion, then invest. A disciplined person would do that. And it can be you. But you to want to change. And I hope that you do.
Aspen's all "Mom...who are you talking to"??
Hahahahaha so true
Perhaps he wants a piece of your youtube income by getting camera time.
Haha probably 😊
We are very similar. I will be 39 in October. I’m curious if you may also have ADD? I think I became addicted to shopping, because I have low dopamine. I am also a bit OCD, so it was a way of getting a dopamine fix, AND having control (in my mind) over my life. I also have BDD, so I’m very obsessed with my appearance and I have always loved fashion. I think it’s getting a bit better as I’m getting older, and putting more value into my knowledge and less into physical superficiality. ❤
This!!! I’m 27 and just got diagnosed with ADD. I’m a super high achiever so I never thought it was me but recently my eyes have been opened and I have learned so much more about myself ♥️
Barrista fire is where its at. Dividend investing into etfs until i replace my current income, then go work part time or whenever i feel like is the goal 🙌. Keep pushing, keep saving and investing. Leave a good legacy and story. Keep it up, its a journey
You are not saving any money until you are in dept. It's only a trick of mind. You are only using the money that you owe to other people, using other people, or irs, or car loan money that you supposed to pay back them, but instead you use it to earn youself some interest on it. But it's poor math to take the money from credit card with 25percent and put it high yield accont with 4,5percent.
How about 0% interest for a year. Take the borrowed money, invest in a high yielding asset for the year, reap the benefits, then pay it off before the 0% interest expires
You never know what happens in that year, and will you be able to pay the loan on time. No loan - no risk - no sleepless nights in your life... And then no payments and only guaranteed interest, on your own saved money 🎉
Valid point.
Jenius bank offers 5.25%, no minimum, not a promotion.
Saving money can leave you broke. If we want to make more money, we need to keep purchasing investments.
Do you have a high savings account? If not open up one it’s good.
I'm jonesing for an Iphone 16. I feel like I shouldn't do it.
Honestly all of my iPhones feel exactly the same. I never see a vast difference.
Smart phones haven't had an actual innovative change in a long time. iPhone 16 will be identical to your current phone, plus a marginally better camera.
@@freshfreshfreshfresh Thanks. I have a 10s Max but I know Apple always wants folks to upgrade.
@@amill1563I hv a 14 pro and hv decided I’m not gonna upgrade until they stop allowing updates on it. The camera can only improve so much, and it’s not worth it.
By law, you are required to pay tax on interest gained from banks. UNLESS you open that bank account THROUGH a Roth IRA or Roth 401k. But then, you cannot touch the interest gained until age 59.5.
Betterment is 5% and has buckets
What do you mean it has buckets?
@@dbalemon you can break it up into categories. I have part of my savings in emergency fund, some in pet care and some in Christmas.
cute oup!
not you clipping your mic to your gold necklace. whatever works i guess lmao
you need to check out The Aesthetic Dollar if you choose the envelope system.
Awesome, will do.
Love your channel!! Do you sell your excess clothing/shoes/accessories on apps like Poshmark? AND YES - ACCOUNTABILITY!!!! when I got sober almost 6 years ago, I started a temporary Instagram to keep me accountable!! And it totally helped!!!! Lastly - I'M HERE FOR THE PUP!! ❤❤❤❤ WHAT A BABY DOLL!!!!