7 Things I Never Buy Or Waste Money On!
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- Опубликовано: 2 авг 2024
- In this video, I'll explain seven products and services that I never pay for!
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Congrats to the five winners of "Rich Dad Poor Dad"
1.) Malthe Have Musaeus
2.) xXSparkJayXx
3.) Investing Hustler
4.) Ryan Scribner (LOL gotta be fair though)
5.) Levertis Brock
What’s rich dad poor dad
Yay!
xXSparkJayXx send me an email! nateobrienofficial@gmail.com
@@johnm4854 it's a book that will change your life forever
Lmao ryan scribner come ooon he probably has 10 already D: i need it lmao
I quit smoking a month ago just to get starting in investing.
That may have been the smartest decision you've ever made! Congrats my friend!
Only have to pick great stocks now :) I am not out of the woods yet. They are called addictions for a reason.
Great job buddy! It’s not easy. I used to smoke 40 cigs a day. It’s hard work. Just watch what you ate because I gained!
BR Investing what an smart idea, bravo😎
@@BeaverOwl Have you stopped now?
My son is back from Army and I wanted to give him a BIG party for his birthday. I miss him so much that I wanted to show my love this way. He asked for an intimate dinner with his girlfriend and my husband and I. I spend $50 at Costco for a delicious steak dinner and gave him the rest in a Costco gas gift card. He was very thankful.
When your wearing your new yeezys, watching this video on an iPhone x whilst drinking bottle water while eating out, smoking a thiccc cigar, getting vitamins and I'm about to call my financial adviser to see why I'm so poor.
HAHAHAH these are just some of my ideas! You do you!
Casey LoL I’m sitting here nodding to some of these mentions in the video and knowing it’s only to justify my indulgence in high end hair products, skin care, salon services, and my weed habit.
@@NateOBrien I agree with about 75% of your ideas
Oh shit im weak lol🤣🤣🤣
This guy 👌
You're pretty wise for your age. Most millionaire's are poor at first and use their money wisely. they also take big risks and think big picture while starting with little ideas and little money
Thank you!
"Most millionaire's are poor at first" lol
an LG phone isnt a knock off its just an LG
Yea, there’s just low-end, mid-end, and high-end smartphones. Unless you get a knockoff iPhone from China that runs Android lol
Yeah, Apple (and arguably) Samsung have really skewed public perception of phones. Super interesting that non-iPhones are seen as knock-offs.
Asyris King
yes xiaomis are great value
do they have better processors and gpus then iphones
absolutely not
im no apple sheep but when it comes to processors apple has a clear advantage as it is optimised for iphone
Has anyone else have problems with Verizon messenger plus? I have spent hours on phone with tech and been to the store back and forth. 6 weeks, no text
Addictive substances includes caffeine like soda and coffee as well. People spend an unbelievable amount of those things
Just make $.20 iced coffee. ;)
Try a slice of lemon in water. It will flush your liver and gallbladder.
I love your videos. You are genuine and honest, and your advice is very relevant. I'm 37 and I have what many here in Canada would consider a good job. However, I was raised by parents with not much money, and I kept their savings habits.
Here are some of my most effective ways to save or make money 1) I invested in my education and now have a very well paying job for my federal government with a pension and insurances. Also, being French-Canadian, learning English alone probably is responsible for half my professional success. My job in a Deputy Minister's Office requires bilingual employees. 2) Biking to work. All in all, the low maintenance bike I bought and used for 8 years of commuting (so far) saved me about $6k in monthly bus passes. 3) Keeping everything I buy until it's completely worn out. I do this for everything. Clothes, tech etc. 4) Having a small home or apartment near work. Insurance, maintenance and everything is cheaper when it's smaller. Also, being near work allows me to bike to work.
Ok this is becoming a wall of text so I'll stop. But I could write forever about this.
Thank you very much for sharing my dear, I really appreciate it...
No lottery tickets. Put your lottery money into investments instead. You will actually get a return on your investment instead of throwing your money in the garbage! Resist the Lottery
100% true. However, I must admit that I did purchase one (1) powerball ticket in 2016 in San Bernardino when the winnings were $1.6 billion!!!! It was the only lottery ticket I have ever bought and to be honest it was worth it because I had so much fun joking with my friends about what I would do if I had won. I gained $2 worth of entertainment from buying the ticket but I'll never buy one again!!!!
YES, thank you. I am the only one at work who doesn't pay to the office lottery pool. Check out this math
$4 per week for 52 weeks= $208
I've been avoiding it for 20 years. $208 x 20= So far I have saved $4,160....and counting
Hum. Your a pretty smart cookie. I bet your mother is proud. Enjoyed listening to this one as well as a couple of other videos you have on here. Great job!
I’m planning not to have a gf till I’m 65. Right now I’m only 14. Save time and money.
51 years of being alone doesn't sound like too much fun!
😂😂😂
by the time you save money, a gf will be right at your door
Try to get a girlfriend when you are around 25-30 years old. If you are going to college, get a girlfriend then unless you don't want to have a girlfriend.
Why do gf's necessarily cost money? Are you sure you don't mean hookers?
yeah bruh , I am really agreay with espically for phones and mulivitamines
maximum Big
I don't drink coffee or pop.
I don't spend money on snow removal or landscaping.
I almost always get water at restaurants.
Fix my cars and house myself if I can.
I'm a coffee addict 😭
but at least i dont spend $3 a cup at starbuck since their coffee aint any better than using coffee maker to brew mine
Wow you really seem like the life of the party....
Get your water from your neighbors' garden hose.
It helps if you live with a repair man. Electric, plumbing and household repairs are a big expense.
One thing I do to save money is workout and also buy plain-color t-shirts for a really good price. Working out helps me look good in them. 😎
I used buy t-shirts from JC Penney, because they lasted longer.
1.) Please share any of your own personal finance tips with other viewers!
2.) The five winners of "Rich Dad Poor Dad' will be chosen at 11:59 p.m. EST tonight!
Nate O'Brien how do get entered in rich dad poor dad contest? Was this in another video, I would love to enter to win:-)
I tried avoiding your videos for a while as I know I have to correct so many stuffs in my life. The “recommended list ‘ did not leave me . Here Iam .. just subscribed to your channel , liking it and going to follow it to the T 😀
Thanks for all the practical suggestions
I Nate, I just came across your posts. And I have learned so much in how to live simple. You're actually very smart. So much information, thank you. 😀
Yep! Simple life is great.
You are never poor.
Totally agree with the first 6, I really good financial advisory can make you more money though however a bad one can cost you a ton of money. I'm huge fan of vanguard investments with there low fees so that is great place to put your money.
Great video! I feel the same way bro. And I made a big mistake buying a newer smart phone for $356.00. Great advice very practical.
Wow your my kind of guy. For someone like you , cant believe your saying snd giving us this incredible advices
Many goodwills and other thrift shops actually carry gently used (or brand new, especially if they’re located near big malls) name brand clothing for very low prices! It’s definitely worth checking out the selection before going to the mall or other more expensive stores.
Good work men! keep going! wish you best
Great list! I especially agree with number 4!😉
Thanks for watching Venessa!!!!
Great info Nate! I know about the bottled waters! All that plastic contaminating out Earth and having to dispose of it is expensive too when townships have to recycle it! 🌻
Thanks for leaving your thoughts Kathy! We only have one earth!
Only towns don’t really recycle much of it, generally. Most waste meant for recycling is sent to Asia and other third world places and the garbage just stays there.
Thanks for this video. 👍 I'm trying to save more money for my sons college fund. 6 years old and 2 yrs.
Great video Nate!
Excellent advice! Well done! 👍
Great video Keep up the good work
I'm a smoker and what you said about cigarettes really has me thinking if it's worth it haha...glad I found your channel dude I'm digging everything I've watched so far!
Do the math on an annual basis. It will blow you away. A co-worker smokes 1/2 pack a day. She tells me one pack is about $16. That means she spends$2,920 each and every year to reach an early grave! Quit today! If you don't invest it, have a really nice annual vacation!
You could also look into making your own cigs. You can save a ton of money with that. The down side is you are using pipe tobacco which sucks honestly. Made me want to quite the first day I tried it.
Even if you buy a carton and smoke a half pack a day that is a carton and a half per month. I don't know how much cartons are here in Dallas but lets say they are 60 bucks. 90 bucks a month for 12 months is 1080 bucks a year. When you stretch things out over a year small money adds up to big money.
I'm a Registered Nurse. One of our emphysema patients could not pay for his inhalers, because he spent all his money on cigarettes. He was constantly being hospitalized. He died at a young age.
Nate, Thank you so very much for making these videos and helping people. Lots of love, respect, and admiration from Pakistan. I hope you get millions of subs. Thanks once again.
Thank you! Means the world to me!
You had me at the second comment, fortunate enough to work out most of this for myself, great vid! Liked and subbed.
Thank you Pat! Let me know if you have any videos you would like me to create!
you are very knowledgeable. thank you for the video! :)
Best RUclips channel ever I have seen, always the best videos 🇦🇫
Thanks so much! Your comment means the world to me!!!!!!
Make your own coffee... I don’t but I should start!
Get a kreg
Just stop drinking coffee
TPA tennis coffee is biggest waste of money make it at home. also agree about bottled water my tap at home tastes fine or get filter it's cheaper
TPA tennis i have that bad habit
Interesting video! I did buy an expensive phone but I have had it for like 5 years so I think that makes up for it somewhat.
That's great to hear!
Dude everything you said was spot on and most of these things i already do, good video.
Thank you!!!
Nate, you are wise beyond your years, good advise. Two more things to add : 1) don't pay for TV, digital is free, dvds from thrift stores, streaming is free etc; 2) depending on the condition and value of your paid for car, just carry liability insurance, that's all the laws say you must have.
Love it.. You changed my mind with the phone... I never use half the stuff it has cause its just gimmicks
Thanks! There just isn't enough of a difference between the iphone x and my $140 Wal-Mart phone to warrant an $860 price difference
Mr. Nate, I agree with you on all the points, but believe me, I can easily go through a lot of spaghetti for dinner; instead of 75 cents (& to quote Chef's Dad)....more like "...Three-Fiddy..."!
Keep up the great work Nate!
Haha thanks for leaving your thoughts as always! If you can't afford spaghetti you might have to settle for Ramen noodles which go for about $0.12 per pack!!!!!!
Oh man a Financial advisor... I've had a bad experience a few years ago one.. Gotta share that story sometime.
Let's hear it haha
When I lived in Missouri my family used to buy bottled water because the water in our town was absolute crap. Tasted like pool water. The running joke was that all the stupid/crazy people drank the tap.
My Aunt drank the tap in Boston. She died from pancrearic Cancer.
great wisdom Nate
Very good tips bro!!!
I’m here watching supporting you buddy
Thanks for the support! It means the world to me!
I agree completely and I have practiced these rules since for over 20 years!
7. Expensive Phones (I have a low-end Samsung, still does a great job and my monthly plan is super low) Annual savings: $30x12= $360
6. Bottled Water (I have never bought bottled water from a supermarket. Ever! In extreme desperate cases or when it's offered for free and I am really thirsty, I'll have one) Annual savings: $100
5. Overpriced Food (Packing a lunch for work since I was 18, healthier, cheaper and easier than running out to buy lunch) I go out for dinner occasionally (no alcohol/desserts) Annual savings: $1,300
4. Addictive Substances (Cigarettes and illegal drugs are bad for you and incredibly expensive. Annual savings: $3,000 (a person I work with smokes a 1/2 pack a day which is about $8/half pack) Why people spend $3000 a year to get to an early grave is beyond my comprehension.
3. Multivitamins (I take these but infrequently) maybe they work, maybe their useless. Annual spend $-30
2. Full Price Clothes (I buy clothes inexpensively, buy on clearance, I stay away from name brands, and only buy some throughout the year.) Annual savings: $100 x 12 = $1,000
1. Financial Advisors (I do pay for this service, very smart guy who has served me well) Annual % spend $500
So in total, by following these tips, I save $5, 230 CAD every year.
THAT is how you save money every year and repurpose it for other things (pay down mortgage, invest in stock market, etc).
BONUS:
-I also drive a reliable 10 year old car that has been paid off 6 years ago. I figure if I were to lease a new car, or always be financing a new one, it saves me $3600 annually as well!
-I don't have a TV/cable bill. I use three home made HD antennas. (look it up how to build one on YT) I get 30 channels crystal clear. $360 per year savings (at minimum)
-I don't buy movies or music, The internet and library has all I need for entertainment.
-I avoid coffee shops, jewelry, and other unnecessary things
Very useful content to watch
Keep on man
Such an excellent video!!!
Totally agree with ya Nate.....glad I came across your channel, probably due to another entrepreneur who after seeing his video on how to make your own Kimchi, why pay so much for the ready made when you can DIY? Thanks man and more power to ya! :)
Man i absolutely love what you do , great advice for everything , i m glad i found you! I guess you have 100 likes on your videos from me alone :) . I ' d like you to make a video on the topic of perseverance ,discipline and what is it that keeps you motivated because i think it's definately one of the builduing blocks of wealth but i have a hard time with that.. Thank you for your post!
So true. Perserverence, stamina, discipline and responsibility require a lot of patience. Logic and common sense are also rare.
I agree with the list especially with the eating out, I will say to save money is to make a list before and when you shop that helps, Thanks for vids, could you make some more vids on how to make money online, thanks
And NEVER go grocery shopping when you're hungry!!!!!!!!
Nate O'Brien True
I always end up buying the Rotisserie chicken whenever I go to the store hungry!!!!
And when you DO go out to eat just get an appetizer instead of an entree saves me soooo much money
Good stuff- just like all your videos. Keep them coming.
Thank you Dale! I will continue to make videos so long as you continue to watch them!
logical, straight to the point! great video bud! subscribed btw :)
Thank you!
my vitamins are a MUST have but all the others I agree with you on. note- you can buy last year's newest nicest phone online for cheap, my whole wardrobe comes from thrift stores and clearance racks - i love the hunt- , and with a nice filter and a vacuum sealed cup (or a few) you have something MUCH better than bottled water
Dear your communication and life style..so nice...i love u
Thank you. How come you're so smart! thank you!!
Committing to improving my cooking skills is saving me loads of money. Whatever your fave dish is when you go out, you can learn to make it!
If you can start growing food, theres loads of good channels about it and the benefits of it.
For short distances I use my bike or I walk.
Nice! Getting some exercise too!
From age 18-24 I didn't own a car. I rode my bike to work every day and took the bus on snow days. I figure I saved about $3,000 a year (car insurance is very high at age 18-24) and car repairs and maintenance. I saved that money in a regular bank account and used it for a down payment on a house. I have never paid a landlord, since I moved away from home directly into my first house at 24! To this day, the best financial decision I made was not to buy a car when I was younger. I got into the real estate game 10 years ahead of my friends. HUGE advantage!
@@canadude6401 How did you get into the real estate game so young in the first place? Is there a "guide" for that?
@@fabioribeiro4627 best advice is to have a really good look at your finances. Where does your money go. What you spend money on. How much do you save? Where can you trim your spending (and still have a "life" and have fun. Just as this video says, little things all add up
Just love your advice
Thank you Nate
u are my inspiration bro, greatings from brazil!
5 Things I Don’t waste my money on!
1. Expensive pampers( hahahaha ) I have a kid and I use average pampers. We don’t use the really cheap ones but the ones in the middle. They work just as good.
2. Expensive Engine oil ( I use good quality oil but not the expensive ones my friends recommend or the car Manuel.
3. Haircuts!! I let this guy that’s the cheapest in town cut my hair but he does a good job and I try to go every two weeks instead of every week.
4. Fuel for my cars. I try my best to only drive my gas saver versus my car that burns a lot of fuel. Such as my truck
5. Last but not least! When I go somewhere I try to leave my lady at home 😂😂 She love spending freaking money!! If I leave her at home I’ll save a lot more!!
Tay&Jay 3x lmao! That last one is big facts! Women, I tell ya, will bleed you fuckinh dry haha!!!
Ruthless Bone you know I’m right haha!!
You had me laughing out loud on #5 HAHAHAHA I'm taking notes 👍
I saved at least $2k on diapers here in Canada by using reusable cloth diapers. As an added benefit, my daughter was clean at one and a half years old. She was probably as sick of them as us parents!
I need to leave myself at home. 😂
thanks for this video!
Same. How surprise. Now I can believe myself more that Im making progress for sure in financially. Nate. You are smart dude. Also you are really cute. Thanks for this content. This is informative.
Great video, totally agree with the bottled water, such a waste of money. At the end of the day, it comes down to priorities. Financial independence is not a huge priority for most people which is why most people in North America overall are broke and always will be. I’ve watched your other videos, you have some great content. Well done, you’ve earned yourself another subscriber!
Yes, I drink tap water at my home, but less choices when went out I bought water bottle. However I bring my refill glass for soft drink.
Great video man!
Thanks 🙏🏼
Great video! In Australia, cigarettes are $30- $40 a pack.... Imagine how much you could save over a lifetime
Awesome video mate! So glad you mentioned Ferrari stock last year! I have nearly doubled my investment since then!
Thank you!
This is a very good video. Hope you will do another one pin pointing those points on where you can save money and invest the savings. Good Job.
Hi Nate, i can resonate with you on some of the points, I wanted to get your opinion about investing in Wendy's will be doing my fundamental analysis this weekend to see if it would be a good purchase, thanks and as always enjoy your videos :)
In my house we have a supposedly top of the range filter but the water just doesn't hit like bottled water
Man you just became my new favorite RUclipsr
Wow thank you! Hope you enjoy my future videos
Thank you!
another tip added on to the bottled water, is when you go to a fast food place for example, you get your food and then ask for a cup of water. they cant say no
Good video dude
Ive gotten better with budgeting, mainly cause I wanna be healthier! I too, shop for clothing in the off seasons, like summer in the fall, winter in the spring, and vice versa! Saves me so much moolah! Im totally a fashionista too! Meijers has terrific deals on clearance! I can buy certain tops and bottoms, for $1-$3!! Sometimes even less! However, there are times, when I HAVE to buy the average priced, quality, fitting, jeans and pants. But, if your saving in all aspects of your life, you can afford the pricey things.
Christina Nelson and splurging on good quality pieces saves money long term since it won’t fall apart after four washes.
Your mind is very good 👍🏻, keep it up
An old saying my grandmother used sometimes was, "A wise man builds his carriage in winter, and his sled in summer." (the horse-carriages and horse-pulled-sleds of long ago.) 😁 Your tip about buying clearance clothes reminded me of this saying.
Also, if you read Charles Munger's thoughts about financial planners, you'll be reluctant to ever hire one. 😁
Good job with your video.
Thanks for sharing that quote! Very inspirational!
Hey great vids. You are very intelligent. Do you have a suggested books list?
Thank you! "The Four Hour Work Week" is my bible
I got on every dollar app for budgeting and it works great. I literally felt like I got a raise. eating out is a huge waste save for a few special occasions. one thing I'll admit to is I smoke but only a pack a week, normally just 2 a night while I have a beer and watch some financial vids like yours! keep saving bro! Also a big one you dident mention is cars! worst waste of money ever. we have 2 cars paid about 5k for one cash and 7k for the other. both great. but I have a lot of friends paying 700+ a month in car payments. not me all that goes into the bank and occasionally I have to fix something but I doubt i spend 1500 a year on regular maintenance AND things that break unexpectedly. course I'm really handy with cars and do all my own work.
Budgeting is SOOOO important! Have you heard of Mint? I've heard great things about the app!!! Thanks for sharing Justin!!!!!
Nate O'Brien yah I've looked at mint just a little hesitant to put all my bank info on a site lol
I agree. You can also find some budgeting templates on Excel
for sure excell is soooooo useful
Nice video great advice
Thank you!!!
Also bottled H20 can be a great and convenient part of Your emergency supply kit if You reside in areas prone to earthquakes, hurricanes and floods. ...
Got to agree I have an Lg stylo 3 like you and it was cheaper than an Iphone X which is 75 percent similar.
Haha these are all the same things I don't waste my money on either! Good video, you've gotten better :)
cheers!
Thank you for the support Sandra!!!!!
I’m taking a Note 📝 for this one Big saving Alert thanks bro
I work at a Supermarket, and liquor and cigarettes sales would make up to close to 2/3 of weekly sales. Junk food and soft drink follow very closely behind. It’s crazy....and eye opening!
You can make a really good Angus Sirloin yourself in a hotplate for a fraction of what youd pay at a restaurant.
I also do not waste my own money on those lists you mentioned. I am in complete agreement with your list. Especially, as an extention to the food category, my pet peeve is never ever to buy a cup of coffee; I brew my own coffee. I also hate eating out and buying products with high taxes (usually addictive products).
Yes, financial advisors are a complete waste of money.
Good common sense. Appreciate the info.
Preach boi !! 🙌
Lol. You are funny @ the drop dead thing from not taking MVI. Too funny. I'm guilty of the bottled water thing. I like brand names clothing but I don't pay full price on them. One of my favorite brands is The North Face...many of my stuff is of that brand.
Great Video!
Thank you!
This is goood always be reminded of the basics
Thanks for always watching Daniel!
I asked mson to watch your videos he likes em and shared em. Keep goin
Magnesium supplements are one of few worth buying. Most Americans are deficient in magnesium.
I'm going to drink some calmag rn bc of this comment
wonderful video
oh and I travel extensively for pennies on the dollar too! it is insane how much you can save on travel if you tap into the savings and deals etc
So true. I bought a plane ticket from L.A. to JFK for $58. It was a terrible seat but you just can't beat the price!
Great video
Thanks for watching!
Amazing so young & so smart about money already. Future millionaire for sure. This is the product of what a home life with a budget taught these kids. I was raised like that and I also know how to budget and spend correctly and be thrifty & happy.