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Lewis Garland
Приєднався 19 лис 2016
Hi I'm Lewis, this is a channel where I share my experiences in investing, finances, and increasing earning potential. Hope you enjoy following the journey
5 Finance Do's & Don'ts when applying for a Mortgage
In this video I talk about 5 Do's and Don'ts with your finances when you are applying for a mortgage
Переглядів: 15
Відео
Here's why you SHOULDN'T save your money
Переглядів 1,5 тис.19 годин тому
In this video I talk about why you shouldn't save your money and why by trialling something different you will see huge uplifts in your networth
6 Money Lessons School Didn't Teach You
Переглядів 6914 днів тому
In this video I talk through 6 money lessons school didn't teach you and how by implementing them it will have a huge positive impact on your relationship with money.
How much money you should have saved by what age!
Переглядів 2,3 тис.21 день тому
In this video I talk through how much money you should have saved by what age. Thanks @humphrey for the inspiration to make this for the UK
Just Got Paid? Do this NOW
Переглядів 20528 днів тому
In this video I break down my 8 steps to guarantee success on payday.
5 Millionaire Habits that Will Change Your Life
Переглядів 87Місяць тому
In this video I talk through 5 of the most common millionaire habits and how they will impact you to have a better life financially
6 Middle Class Habits Keeping You POOR
Переглядів 561Місяць тому
This video talks through 6 middle class habits that keep people poor and unable to generate true wealth
BUY these if you DON’T want to be POOR
Переглядів 36Місяць тому
I explain what you should buy/ spend money on if you want to be rich
Why preparation is key if you want to WIN
Переглядів 442 місяці тому
In this video I explain the importance of preparation in life and why it is key to win.
Setting up your environment for GUARANTEED Success
Переглядів 1012 місяці тому
In this video I explain how your environment can have a massive impact on your success and how to set yours up to ensure you achieve it.
5 Realistic Side Hustles To Make £1000 a Month in 2024!
Переглядів 2822 місяці тому
5 Realistic Side Hustles To Make £1000 a Month in 2024!
Monthly Finances Breakdown - 25 Year Old Working in London
Переглядів 2,5 тис.2 місяці тому
In this video I give you a breakdown of my earnings and how much I spend on a monthly basis as a 25 year old working in London.
Why Personal Brand is EVERYTHING
Переглядів 2143 місяці тому
In this video I talk about why personal brand is so important. And why by changing yours you will see a massive uplift in your success socially and financially.
Why net worth EXPLODES after the first £100k
Переглядів 1,8 тис.3 місяці тому
In this video I talk about why your net worth explodes after the first £100k/ $100k. And then how you can fast track yourself to get there.
Signs you MIGHT be doing better financially than you think!
Переглядів 513 місяці тому
In this video I talk through some of the signs that show you might be doing better financially than you first thought. Hope you enjoy!
I read these books on money & business: Here's what will ACTUALLY make you rich
Переглядів 1363 місяці тому
I read these books on money & business: Here's what will ACTUALLY make you rich
How to *QUICKLY* improve your BENCH PRESS
Переглядів 713 роки тому
How to *QUICKLY* improve your BENCH PRESS
Letting a RANDOM GENERATOR design me a workout
Переглядів 1413 роки тому
Letting a RANDOM GENERATOR design me a workout
Eating the same as my *DIETING* mum for the day 1200 CALORIES!
Переглядів 3273 роки тому
Eating the same as my *DIETING* mum for the day 1200 CALORIES!
My daily eating: How I GAINED 6.5kg in 10 WEEKS
Переглядів 1803 роки тому
My daily eating: How I GAINED 6.5kg in 10 WEEKS
savings for emergecies and investing for building wealth
@@ThomasPonzo exactly that! An interesting book I’m reading at the minute is the psychology of money. Shows how different Warren buffets life would have been if he started investing later and quit earlier too - it’s crazy
My philosophy is a bit of balance. Invest with the mindset of having a long time horizon. Savings to ensure you are able to handle emergency financial burdens whilst taking advantage on any half decent savings rates that are slowly creeping back - might not be as good as investing it, but at least it’s accessible and earmarked for potential upcoming expenses. Great videos 🤓
@@trialcaptainad7700 yeah completely agree with you there, investing is a must with the big pot of cash you have but you do need some money that’s easily liquid just incase something terrible happens! Glad you enjoy the videos - finally got the colour right on these last three😂
really insightful video! thanks for sharing
@@leahmclernon5635 no problem glad you enjoyed!
I agree 100% investing is for growing savings is for those who don’t know how to budget
100% agree with investing is crucial for growing. For me saving is good for those purchases you may want but don’t really need. But then once you have the money saved, think of the returns you could get on those savings from investing and not buying the thing😂
@@lewisgarland3337 true 😂im backwards I invest to save but they say save to invest. If I save I will spend it if I invest it I will not spend it. I just budget so I won’t have to save
@@I_Am_Enlighten yeah I am the same with the investments it’s like I don’t even have it! Just put as much money as I can in there and then become poor for the rest of the month😂
Wow great lessons, I definitely need to start budgeting and investing more
Glad to help! Yes it’s 100% needed to help spend less and also make your money work for you
The value, the value man! Every year inflation eats up the money. That saving of half a mill or whatever will buy you a candy bar in 40 years. 8-10% minus fees minus inflation you preserve your money and earn a bit
Yeah investing has to be done if you want your money to still have the same purchasing power in 40 years, otherwise you are losing out
Common personal finance advice recommends keeping three months of expenses in a savings account. If you can manage that, you're doing better than 2/3 of the working US population.
@@lassipls yeah there are some crazy stats when you look in to it about savings especially that 44% of Americans couldn’t afford a $1000 unexpected bill
That is crazy how correct the assumption is that the most expensive age of your life is 31 (in my case anyway). Between 31 - 33 I had a baby, had a wedding and bought a flat. It has taken a long time to recover financially from it all but as soon as I realised my accounts were in the equivalent of an ICU I took steps to restore and build my savings and work properly on a good deposit for a larger home rather than rushing into what I thought was a good deal.
@@chrissyt8111 yeah it definitely does seem true as from a lot of people I know at that age are all in the same place you are, buying houses, getting married, having kids - definitely not cheap to do them all haha 😂
Okay but how much real money should I have saved up?
@@collinb3371 Personally Colin I think if you are on track with what TRowe suggest then great! However, for most in the UK that just isn’t the case. So I would say as long as you have enough money to live the life you want to then that’s good
Sadly, even 100k isn't enough for a downpayment in London or Paris.
I think it just depends on the area and type of property you want. I know a few of my friends from work have bought flats for around the 400k mark with 10% deposits. It’s just hard for a lot of people to get that initial balance saved - but that’s for the next video😉
Interesting debate, but perhaps very complicated. I'm early 40s, with less money than suggested, but my house is paid off, and my pension fund is well funded. Ive priorised mortgage and pension because if i was made redundant the UK gov would force me to spend accessible savings before giving me much support should i need it.
@@andys1333 totally agree Andy - I would say mortgage paid off and a well funded pension will put you leaps and bounds above the masses in the UK. TRowes estimates would be looking to include that figure so I would say you are definitely above their targets too
Great video for such a small channel. Keep it up
@@lukemillerfitness647 thanks Luke, how do you compare with the masses savings wise at the moment?
Great to see, glad you enjoyed the video
Wow crazy to see I am doing better than the average, thanks for the info!
I transfer a small amount from my Current Account into a basic savings account with the same Bank. Using the Banks APP I look at my Account Balance then transfer the last three digits ( last whole pound plus the pennies ) sideways into this other Account. I do this every other day. The amounts are so small I do not feel it. However over time this builds up. I now have enough saved for most emergencies ( within reason ). Works for me..
Yeah that’s a great model! I know some banks try to do similar by rounding up every purchase you make and putting this extra in to a savings account for you
Very good advice! Great video!
Glad it was helpful!
He bro, I want to talk with you something, give me your Instagram I'd pls.
Great video!! Very insightful!
Glad it was helpful!
Great video!
Thank you!
very enlightening video !
Glad you liked it!
Great video! Loved it!
Thank you
Love this bro!
Thanks mate! Seen your video company mate looks class
Class Vid,Is seller circle worth it?
Thank you! And yes definitely worth it
great vid Lewis; interesting stuff
How tf you manage to have so much expenses living with your parents lmfao, get the business you work for to pay your travel expenses, that's all write offs for them, if you're a sole trader you can do the same, and also would reduce your personal liability and reduce overall taxes through utilising dividends if you set up an LLC, lol. Maybe you should use these videos to educate yourself on how fucked your finances really are compared to where you could and should be, lmao. You could have a 50% deposit for a house in under 2 years with that salary if you just stop being stupid. Bro I'm appalled, astounded, baffled, at how you've managed to get to 1.6k monthly expenses while living with parents, paying them nothing for rent and not even helping for food shopping? That's crazy..... No one should be listening to this guy for financial advice lmao
Millionaire Fastlane is my fav finance Book
Bank of Mum and Dad then, Anywhere else your rent would be 500+ extra a month, right. Go give them a big hug 😊
Yeah definitely helps. But wouldn’t be any worse off expenses wise moving to London, selling my car and just renting a room out there really. Just personal preference to stay at home at the minute
It would be worse. You would share a flat with strangers. Council tax and bills go up. Your rent goes up. Everytime you move area a new gym membership costs you more. Everytime you move you need to spend £500 for cleaning and moving costs. At home food and restaurants are cheaper and there’s less stuff to do so you end up spending less and being more active in nature.
@@samuilplamenov4749 Yh rent is just the beginning. Its groceries, beers, gym membership, transport (if you have a car - horrendously so), etc. It'd be £800 just rent absolute minimum for a shared flat, unless you live in croydon in which case the commute is practically the same. He's 25 and clearly working hard and don't blame him for taking advantage of his background, but people like this seem very blind to the extent of their privilege. I can already see the future video coming "how i bought a house in London before I was 30", *spoiler* I saved £700 a month on expenses by living at my parents cushty house on the edge of town.
Living at home is probably the only realistic prospect for young people to build wealth today, rent's are high all over the country now.
very solid video, looked very professional. Only recommendation I got is add more visuals
Thanks Vikas, will note that down for the next video!
Why not find someone renting out an extra room in London???????? Hotels and eating out ALL THE TIME is e-x-pensive per month! And maybe you can write it off as an expense on your taxes against your income, since it's needed in order for you to make a living - talk to an accountant......
Yeah it would work out about the same really - hotel and travel for me is around £800 a month which is the same as a room in London without bills. Just preference to stay at home at the moment haha. Sadly as I am a PAYE earner I wouldn’t be able to write it off - would be very nice if I could!
Not only are you good with money - you’re very good looking!
I know right!!
you are a wise 25-year-old!
Haha thank you! Always had a big passion for money and finances so excited to document my journey and look back in a few years time to see how far I’ve come!
Very insightful and I would love to see your channel progress. Im looking to start a finance channel myself. Im curious if you went to uni or not?
Thanks, glad you enjoyed! Yes I went to uni - things like uni and pension I didn’t include in the breakdown purely as I don’t have much say in them going out haha!
Hello do you looking for Video Editor? I Can help you to save your Crucial time throughout my editing skills
Aloha Brother, appreciate your aesthetic, wisdom and heart! This video is SO good! I will to watch again and follow all the steps! Appreciate the deep questions and practical suggestions especially modeling those who are successful! I’m finally taking YT seriously now and I’m so proud of you for starting a marketing agency and for having this channel! Bless you so much and look forward to learning more from you 🙏🏻♥️🌺☺️
Thank you! Glad to hear you enjoyed the video. Marketing company update coming soon as we have some exciting news in that department too 😁
I got this video recommended randomly, but it did come at a pretty good time so I appreciate you making it :)
Glad to hear it Jakub! Something that has started to become a huge part of my life and starting to see it really pay off :)
Garland can ask you more and talk with u ?can I get your email or WhatsApp?❤ u give ne many information 🎉
You can produce a decent video so you could do well if you come up with original content. Keep going.
There is a reason why Nisch has over a million subs and you have 64.
Thanks!
Are you planning on plagiarising all of Nischa’s content?
This content has been produced by many - hence my reference to Mark Tilbury on the video.
Great video. Inspiring x
Thanks Lauren! Hoping to post the same video at the end of this year for an update x
Thanks for information ❤
Thanks Hicham!
Good job ❤ can you put your social media accounts to talk more 👏 😊
Watching this and looking into Alex Hormozi afterwards this has given me such a confidence boost for my buisness! Thanks Lewis!
Thanks for information bro ❤,do u have instgram or WhatsApp to talking, bro ?
Love the content mate!
please stop competing with the real lewis garland or I will threaten legal action
Love it!
I LOVE IT
Me too
STOP MAKING VIDEOS
:(
@@echhtreme8530 love it :))
Bossed it. Give this man a cigar 👍🥃
Thanks mate! Glad you enjoyed! Any feedback would be good