A Minimalist Approach to Personal Finance

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There’s a basic formula to win at personal finance. And it’s this… Make more money than you spend. In practice it’s not that easy. In the real world our money slips through our fingers. No matter how much we make our bank account seems to have its own agenda.

In this video I breakdown common myths, pressures & misconceptions about money and how to manage it.

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💬 Comments on the video

Hey everybody! I'm making a course on habit change (it's my first one and it's going to be awesome). There will be lots of videos, silly jokes, & most of all actionable steps to make any habit stick.

Author — Matt D'Avella


"You can't afford something if you can't buy it twice" - my favorite advice!

Author — Kornelia Milewczyk


My father was born in 1926 and grew up during the Great Depression. He told me as a child, whenever he earned enough money from his paper route he would go to the bank and trade his change in for a dollar bill. When he got home from the bank he would borrow his mother’s clothing iron and carefully iron the dollar and then put it in a safe place to keep.

We were lower middle class growing up and I never had name brand anything; I didn’t even know what name brands were. My parents were savers, with 5 kids to feed and we wasted nothing. I remember my sisters making their own prom dresses with our mother. I remember riding with my father to the dairy farm to pick up milk with seven 1-gallon jugs. I remember planting our gardens in the spring.

My parents understood the value of a dollar and bequeathed that knowledge to me, for which I’m eternally grateful.

I’m 53 years old now and have lived below my means for my entire life. I’m proud to say I now have a net worth of nearly 1million dollars and expect to live comfortably in retirement. Not bad for a lower middle class kid starting with nothing.

Author — pstratt


1. Drop the stuck up competitive " friends"
2. Set real goals and do one step at a time
3. Just go do it and don't tell anyone until it's done

Author — Svetla Nikolova


Why is American education so expensive??? Everytime I hear about an American and their student debt I get anxiety.

Author — Asief Dhansay


"When you buy something, you are not paying it with money. You are paying with the hours of life you had to spend earning that money." José Mujica

Author — Nihal Dabi


"Make more money than you spend" is really the golden rule of personal finance

Author — Jake Jones


Make as much money as possible. Spend as little as possible. Invest a lot of what is left. Repeat as often as possible, for as long as possible.

Author — Lughnerson


My personal rule #1 is don't confuse what you want with what you truly need. It's amazing how much stuff never makes the cut when you do this.

Author — Weeper Man


a rich man can live modestly forever, but a modest man can only live rich for a moment.

Live within your means.

Author — Law Abiding Citizen


"You deserve to be debt free". That should pop up every time I log into Amazon!

Author — Jennifer Heyden


One great way I've been able to save money is by not having a car. I know this isn't practical for a lot of people considering their careers and location of residence, but for those who live in a city like me, there's really no reason to have a car. I'm a bike commuter and I've been for the past 2 years. I used to have a car but I couldn't afford the upkeep so I got rid of it. You got a car note, insurance, gas, and the maintenance alone is enough to clean you out. Cheaper to just bike, use public transportation and Uber/Lyft. Not to mention, you'll also get into better shape on a bike! I don't even miss having a car.

Author — AJ H.


growing up dirt poor teaches you these lessons

Author — mattbandz47


My rule is that “if you can’t afford to pay for it with cash you can’t afford it”. I do own a credit card, but it has a zero balance. I use it to pay bills only and pay it off at the end of the month. A great credit score is a good thing to have.

Author — Scott D


That “let’s be honest, we buy... a ton of shit” really hit deep for me

Author — Jordan Thorson


Best short book to read is 'The richest man in Babylon'.

Author — David D


Eat 2 meals(or even 1)per day while intermittent fasting. No fast food or processed crap.
Take cold showers.
Open a window for light instead of turning lights on.
Don't drink sugar drinks or smoke cigarettes.
Consider a bicycle for local travel.

Author — Butter Johnson


"The Millionaire Nextdoor" talks about one millionaire who's reward for a goal was renting a video, making popcorn and enjoying the evening with his wife.

Author — Neil LaDow


1. Make more money than you spend
2. Try to keep your spending low/predictable
3. Make sure to invest the difference of making and spending into three categories: Short-term (Emergency), Mid-term (Home, Car, Passive Income), Long-term (Retirement)
4. Set a goal to create a constant, passive income equal to your spending (either through investments or business)
5. Live a life that you want, making sure you're earning constantly.

Author — Saurabh Chakrabarty


I live in Egypt where most of available jobs even for collage grads pays less than 2usd per hour, saving money is not the issue, making it is.