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I'm French, I'm 30 years old and that's exactly what I did, I can live peacefully for less than €1k per month and only have to work 100 hours max per month to be able to save money. I paid €6k for my car and a new motorcycle for €13k in cash, my insurance costs cost nothing and I can spend time riding or seeing my family. I was just tired of having to work to pay for things that were of no use to me, I had a big apartment a sports car a new R1 that I didn't even use, Now that I don't have all that anymore I just feel happier and I have money saved. ✌️
He's not lying about people that drive expensive cars being broke. I'm a firefighter in a big city, and there are so many guys that make the same as me driving around in a brand new $90k+ truck paying $800+ a month payments thinking they're hot shit. Its a joke. I still drive my 03 dodge 1500 with rusted wheel wells, been paid off for years, fuck a car payment man, I'm driving it till it blows up. Also he's right about taking advantage of cash back credit cards. I have used the Amazon 5% card, and citi 2% card on EVERYTHING and pay them off monthly (practically replaced my debit card). I use the cash back and just put the rewards on the next months statement. Be a responsible adult and let these credit card companies pay for some bills. Be smart guys, take care of your family, and stay safe out there. Btw bro, hurry up and test ride that FTR 1200 lol.
You nailed it. Live within your means and minimize your debt. I paid off all my credit card debt, paid cash for my bike (2023 CB650R), bought my fixer upper house back in 2010 during the housing market crash from a bank owned foreclosure (now tripled in value giving me over 250k equity), and paid off my car early. All I have is a small mortgage payment and enough cash in the bank to live for a year or two if I lost my job. The secure feeling I have now was worth the few years of living frugally.
Great advice CC. I *started* my adult single Life like this. Paid off and living below my means. Then I blew it and married young, had 2 kids, and lived owing everyone and owning nothing. Thank God I snapped out of that at age 45 and went self employed, paid off, and debt free. As you say, it took years to get there, but worth it.
One thing I never did was spend any pay raises or overtime on new cars. One year we got a 10% pay raise. One woman went right out and bought a new car. I asked her what was wrong with her old car? She said, “ I’m not like you, I don’t take care of my cars”. Housing upgrades and new cars keep people in debt.I would LOVE a new Suzuki DR650, but I refuse to get rid of my paid off Triumph.
You have that 100% correct, live within your means ! Carry as little debt as possible. How about doing a video on where to get inexpensive motorcycle Insurance ?
Been married 20 years. When we got together I said, “Cash is king.”, and, “Beans and rice…” But my wife didn’t want to wait that long to save, and wanted a more varied menu. Now 21 years later she’s finally on board. We both have well paying jobs and don’t live above our means. We will have our newly built home paid off in 5 years. Our only (and final) debt. We’ll be 45. We used the profit from our last home to build this one. After it’s paid off I’m starting my own small lawn care business for supplemental income. I’m tired of working for “the man”. It’ll feel good when I walk into my boss’s office, strip down to my boxers and undershirt and leave the company uniform on his desk. There may also be a “bird” or two flying about…
The next generation of folks is never going to own anything. Young people these days have no financial discipline whatsoever. Living "frugal" is looked down upon unfortunately because the goal these days seems to be to "live life" by taking frequent expensive vacations, going out and spending tons of money at restaurants/bars. These people are never gonna own property, but it seems like they're okay with it. They haven't built new houses in my neighborhood years but they have built 5 new overpriced apartment complexes which seem to find tenants pretty easily. The government is to blame for this because they want us to never own anything and they want "consumers". Anyways happy holidays CC 🎉!
I seen more apartment and motels built than housing, when we are in a housing crisis (or even houseless) in socal. Usually they are not made to own of course.
No such thing as $50k homes in Australia. Median house price in Melb and Sydney are well above $1m. Regional cities are $500k. Anywhere coastal is +$1m. Cheapest would be in the desert somewhere, and they are still +250k
Good advice, motivation speech. Ive always said/believe that more you make more you spend. I probably have a few years at least. Always just got by not ahead. Took out personal loan many years ago paid debts at time. Got behind again, always needed a car. Tried something else didnt pan out, but dont think need to worry about now. Intentionally generic there. Much less debts, but still nowhere. Always had lower paying jobs. Huge debts now and holding back Mobility Van costs a ton traded in my Ridgeline for, probably was only couple years left on that loan before 6.5 year van. Small bike loan, misc phone, accident insurance, car insurance. Utilities and mortgage dont apply taking care of mom her house. My Future after here is what has me confused, scared where to go and what to do.
Thanks Cycle Cruza for covering this. Can you go over the details that we can follow such as what fund you invested and strategies you used specifically?
Eh the ghosts never bother me unless they are sinister and attack you physically, The ghosts at that country property never bothered me physically, just weird shiz like noises, lights and voices. What ran me out of the GA country was mostly the boredom and all the extra work along with the hot humid weather. It was a dream of mine to live in the country, so I checked that off my list. lol
Best bit is being the only one in your neighborhood that's debt free and owns their house outright. While all my neighbors are buried in a high interest mortgage for over 30 years. Legit parking your money in a savings account is the way to go, it's completely safe with no threat of the stocks your in dropping because of other people's actions affecting the stock price.
Excellent Cruza rant! Funny, you waiting at a stop light waving around talking into the camera. People gonna think Cruza gone crazy! Not so; outstanding wisdom about staying out of debt and living as a free man. Probably the freest person on earth is the wandering Buddhist monk who only owns an orange robe and a wooden rice bowl, that he wears on his head when it rains.
I still have that Obama phone in case shiz goes down. lol You have a great plan. You will have a great sense of freedom when you pay off your house,, you won't have to work as hard if you don't want to, much easier living.
I'm debt free and it feels great. And I'm also planning on buying two rental properties in full. I also invest in the S&P 500 and other index funds. I get back an 8-10% return on profit and other safe index funds investments combined. Some savings bank yield a high interest rate, but not many. Avoid crypto currency. Too volatile.
Naw but I have yet to lose with any real estate I have acquired. When you don't have to deal with a bank for financing you can get sick deals and get full profits when you sell. You can make the biggest gains in real estate and usually much faster than stocks with less taxes to pay.
Save, don't overspend,,,, Live beneath your income, take a vacation but you don't have to fly 1st class, the plane still gets there at the same time 1st class or business class,,, don.t eat out every night, you'll be surprised at how much money you can save if you try, or even if u cut back on the un necessities as an example( that cup of coffee every day from Starbucks on the way to work ) The only way you'll go poor is by buying to many motorcycles (not a bad way go go poor tho)!!!😛🏍🏍🏍
Can you make a video about Index funds and which to invest in. Iam from Europe and heard about these index funds and watched some vids of other UA-camrs but idk if they are trustworthy or just some "crypto bro".
I had iphones and I had decent cheap android phones and they all worked same way and left boost mobile paying 50 dollars a month and I went to mint paying 15 dollars a month and the services gotten me the same things and I have a under 200 dollar android phone that and cheaper living is just better and I'm soon going to get a cheap beater car with backup cheap beater car and have most of every feature off the insurance that all cars mostly do is to get you from a to b and with most features on insurance taken off and you don't really need to cover if someone backs up into your beater car and all beater car have to do is just work and not to look good
Read The Millionaire Next Door and Mr Money Moustache blog. Followed that advice and retired at 38 years old. Live frugal debt free just like the wise Cycle Cruza!
I have been homeless for 12 years by choice. But I never once begged for money, and I always ask to work for food first and money as a bonus, I live in a tent in the woods and hitchhike across the country. I will not be part of modern mediocrity.
Amen, brother, I give them money. If im carrying, i usually just carrying my card and put my change in my car ashtray saving money was the best Decision I made🙏🏽
60 thousand foot, big picture, perspective….but where’s the HOW TO?! I’ll give ya HOW TO. Check out Dave Ramsey. Do everything he says. Done! Easy in the beginning, HELL NO! Well worth it long term, HELL YES! From my personal experience anyway.
No need for credit 💳 with a wrong crappy attitude keep telling the proper story you can help people from yo platform screw the acting politically correct ☯️
CykleKrooza i have no idea how money escapes me because it is so expensive out there now omg. a fine lunch is 50$ now. I owe 275k on a house i paid 275k for 4 yrs ago. U may be wiser that u say but it feels like i cant win you know even at 85k yr pay
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The King of Motovloggers! So much wisdom here. If you're not ready to live frugal for a while, you're not ready to live rich either...
I'm French, I'm 30 years old and that's exactly what I did, I can live peacefully for less than €1k per month and only have to work 100 hours max per month to be able to save money.
I paid €6k for my car and a new motorcycle for €13k in cash, my insurance costs cost nothing and I can spend time riding or seeing my family.
I was just tired of having to work to pay for things that were of no use to me, I had a big apartment a sports car a new R1 that I didn't even use, Now that I don't have all that anymore I just feel happier and I have money saved. ✌️
He's not lying about people that drive expensive cars being broke. I'm a firefighter in a big city, and there are so many guys that make the same as me driving around in a brand new $90k+ truck paying $800+ a month payments thinking they're hot shit. Its a joke. I still drive my 03 dodge 1500 with rusted wheel wells, been paid off for years, fuck a car payment man, I'm driving it till it blows up. Also he's right about taking advantage of cash back credit cards. I have used the Amazon 5% card, and citi 2% card on EVERYTHING and pay them off monthly (practically replaced my debit card). I use the cash back and just put the rewards on the next months statement. Be a responsible adult and let these credit card companies pay for some bills. Be smart guys, take care of your family, and stay safe out there. Btw bro, hurry up and test ride that FTR 1200 lol.
People have no self-control, being c9ntent is so important
We're all just a product of our environment until you get out of the box.
You nailed it. Live within your means and minimize your debt. I paid off all my credit card debt, paid cash for my bike (2023 CB650R), bought my fixer upper house back in 2010 during the housing market crash from a bank owned foreclosure (now tripled in value giving me over 250k equity), and paid off my car early. All I have is a small mortgage payment and enough cash in the bank to live for a year or two if I lost my job. The secure feeling I have now was worth the few years of living frugally.
My son and I have been watching you for years... I told him this is your most valuable video. We preach on the same box. God Bless
Great advice CC. I *started* my adult single Life like this. Paid off and living below my means. Then I blew it and married young, had 2 kids, and lived owing everyone and owning nothing. Thank God I snapped out of that at age 45 and went self employed, paid off, and debt free. As you say, it took years to get there, but worth it.
One thing I never did was spend any pay raises or overtime on new cars. One year we got a 10% pay raise. One woman went right out and bought a new car. I asked her what was wrong with her old car? She said, “ I’m not like you, I don’t take care of my cars”. Housing upgrades and new cars keep people in debt.I would LOVE a new Suzuki DR650, but I refuse to get rid of my paid off Triumph.
Wow that is sad she admitted to not taking care of her cars....jesus
You have that 100% correct, live within your means ! Carry as little debt as possible.
How about doing a video on where to get inexpensive motorcycle Insurance ?
Been married 20 years. When we got together I said, “Cash is king.”, and, “Beans and rice…” But my wife didn’t want to wait that long to save, and wanted a more varied menu. Now 21 years later she’s finally on board. We both have well paying jobs and don’t live above our means. We will have our newly built home paid off in 5 years. Our only (and final) debt. We’ll be 45. We used the profit from our last home to build this one. After it’s paid off I’m starting my own small lawn care business for supplemental income. I’m tired of working for “the man”. It’ll feel good when I walk into my boss’s office, strip down to my boxers and undershirt and leave the company uniform on his desk. There may also be a “bird” or two flying about…
The next generation of folks is never going to own anything. Young people these days have no financial discipline whatsoever. Living "frugal" is looked down upon unfortunately because the goal these days seems to be to "live life" by taking frequent expensive vacations, going out and spending tons of money at restaurants/bars.
These people are never gonna own property, but it seems like they're okay with it. They haven't built new houses in my neighborhood years but they have built 5 new overpriced apartment complexes which seem to find tenants pretty easily.
The government is to blame for this because they want us to never own anything and they want "consumers".
Anyways happy holidays CC 🎉!
I seen more apartment and motels built than housing, when we are in a housing crisis (or even houseless) in socal. Usually they are not made to own of course.
All about the sacrifice bro. Give up something good today for a promise of something better tomorrow.
No such thing as $50k homes in Australia. Median house price in Melb and Sydney are well above $1m. Regional cities are $500k. Anywhere coastal is +$1m. Cheapest would be in the desert somewhere, and they are still +250k
Pretty similar in the US. Those $50.000 homes are something that was available many years ago.
Good advice, motivation speech. Ive always said/believe that more you make more you spend. I probably have a few years at least. Always just got by not ahead. Took out personal loan many years ago paid debts at time. Got behind again, always needed a car. Tried something else didnt pan out, but dont think need to worry about now. Intentionally generic there. Much less debts, but still nowhere. Always had lower paying jobs. Huge debts now and holding back Mobility Van costs a ton traded in my Ridgeline for, probably was only couple years left on that loan before 6.5 year van. Small bike loan, misc phone, accident insurance, car insurance. Utilities and mortgage dont apply taking care of mom her house. My Future after here is what has me confused, scared where to go and what to do.
Thanks Cycle Cruza for covering this. Can you go over the details that we can follow such as what fund you invested and strategies you used specifically?
Pure facts this whole video.
Love cycle cruza through the years. Best motovlog channel !
Always appreciate these motivational videos. In debt from depressive stupid ideas I made years ago. Climbing out though
These are your best video's. I had to learn these lessons the hard way.
You’re the man cyclecruza!
Thank you, CC!
This is why I am subscribed to the cyclecruza for content like this ❤️
Thanks for being a viewer, I appreciate it. I hope all id blessed your way, have a Happy New Year!
I love this video. I've paid off most of my debt by flipping vacant land. Now I just need to pay off my house.
This is great advice! Thank you for making this video!
Wise words Brother 👊🏻
100 percent. People don't need half the crap they buy. The marketing machine is oh so powerful and sadly brainwashes most.
😂😂 I gotta get me an Obama phone.... cyclecruza i appreciate your wisdom brother always
Lol, them ghost got Cruza ass up outta there, lol.
Eh the ghosts never bother me unless they are sinister and attack you physically, The ghosts at that country property never bothered me physically, just weird shiz like noises, lights and voices. What ran me out of the GA country was mostly the boredom and all the extra work along with the hot humid weather. It was a dream of mine to live in the country, so I checked that off my list. lol
Best bit is being the only one in your neighborhood that's debt free and owns their house outright. While all my neighbors are buried in a high interest mortgage for over 30 years. Legit parking your money in a savings account is the way to go, it's completely safe with no threat of the stocks your in dropping because of other people's actions affecting the stock price.
Excellent Cruza rant! Funny, you waiting at a stop light waving around talking into the camera. People gonna think Cruza gone crazy! Not so; outstanding wisdom about staying out of debt and living as a free man. Probably the freest person on earth is the wandering Buddhist monk who only owns an orange robe and a wooden rice bowl, that he wears on his head when it rains.
Amen well spoken 💯
Your things are relevant to where you live. There are countries in which simply you cannot meet ends...
Great advice , your a sensible person happy new year 👍
😂🤣 the Obama phone. You, cash is the way to go. We are gonna pay our crib off. In like 8 years. I'll be 49 with no debt and a paid off home.
I still have that Obama phone in case shiz goes down. lol You have a great plan. You will have a great sense of freedom when you pay off your house,, you won't have to work as hard if you don't want to, much easier living.
Just take a look at lot of the athletes and football basketball baseball.
Who said the USA is gonna be here in 8 years, I guess cows fly to the moon also.
Solid! Thanks Cruza
I'm debt free and it feels great. And I'm also planning on buying two rental properties in full. I also invest in the S&P 500 and other index funds. I get back an 8-10% return on profit and other safe index funds investments combined. Some savings bank yield a high interest rate, but not many. Avoid crypto currency. Too volatile.
CycleCruza is like a real estate mogul fr
Naw but I have yet to lose with any real estate I have acquired. When you don't have to deal with a bank for financing you can get sick deals and get full profits when you sell. You can make the biggest gains in real estate and usually much faster than stocks with less taxes to pay.
*Pops out gold grills*
You're right man...
*Takes off pawn shop chains*
I'm done with this BS...
Save, don't overspend,,,, Live beneath your income, take a vacation but you don't have to fly 1st class, the plane still gets there at the same time 1st class or business class,,, don.t eat out every night, you'll be surprised at how much money you can save if you try, or even if u cut back on the un necessities as an example( that cup of coffee every day from Starbucks on the way to work ) The only way you'll go poor is by buying to many motorcycles (not a bad way go go poor tho)!!!😛🏍🏍🏍
Your in a good mindset Cruza and that's G'd up perro.. enjoy yo Christmas ma man and keep doin what you do in your own way 🧑🎄👍💥
Thanks! I hope you have a blessed New Year! Much blessings!
*You're, not your. Please learn how to spell like adults spell.
I and we all appreciate you brother!! Much respect.
I appreciate you. Thanks for being a viewer. I hope all is blessed your way.
"I appreciate you" is not proper English. We all appreciate you is also: NOT ENGLISH. Please have some self-respect and use the language properly.
hey cruza , bring some good ol type video
i m miasing hell town , wood type shit
A man with no bills is a rich man.
Can you make a video about Index funds and which to invest in. Iam from Europe and heard about these index funds and watched some vids of other UA-camrs but idk if they are trustworthy or just some "crypto bro".
thumbs up...❤❤❤❤
Thanks fro viewing! I appreciate it.
I had iphones and I had decent cheap android phones and they all worked same way and left boost mobile paying 50 dollars a month and I went to mint paying 15 dollars a month and the services gotten me the same things and I have a under 200 dollar android phone that and cheaper living is just better and I'm soon going to get a cheap beater car with backup cheap beater car and have most of every feature off the insurance that all cars mostly do is to get you from a to b and with most features on insurance taken off and you don't really need to cover if someone backs up into your beater car and all beater car have to do is just work and not to look good
Cruza, you missed the part about wild women.
Where do I get the mirrors on your bike. Love me . Love your mt...looks amazing
Check his MT07 build episode #2
Read The Millionaire Next Door and Mr Money Moustache blog. Followed that advice and retired at 38 years old. Live frugal debt free just like the wise Cycle Cruza!
Nothing wrong with investing in Stocks or even Crypto just be prepared to lose it as well.... :D Those Gains are really Nice!
Gold chains and gold teeth....😂
I never understood the importance of jewelry, biggest waste of money and it puts a target on your back.
this is the dave Ramsey show
I have been homeless for 12 years by choice. But I never once begged for money, and I always ask to work for food first and money as a bonus, I live in a tent in the woods and hitchhike across the country.
I will not be part of modern mediocrity.
Amen, brother, I give them money. If im carrying, i usually just carrying my card and put my change in my car ashtray saving money was the best Decision I made🙏🏽
i cant even watch this video yet the ads keep playing 3 minutes 2 minutes etc :(
60 thousand foot, big picture, perspective….but where’s the HOW TO?!
I’ll give ya HOW TO. Check out Dave Ramsey. Do everything he says. Done!
Easy in the beginning, HELL NO! Well worth it long term, HELL YES! From my personal experience anyway.
You have to live cheap, dress cheap, transport cheap. Quit partying your $$$$$ away.
How to not become homeless:
Buy a house with cash
That’s what I got lol
put it in crypto. i'm up 100 percent and the bull run aint eeen start yet.
Taking 15 years to buy a house cash seems not worth it, especially in your twenties and thirties.
So you did it all by yourself you didn't inherit any money just curious
There's a bit he leaves off in these types of videos...he did inherit money and made some more by selling a home. He's not some rich, wise investor .
No need for credit 💳 with a wrong crappy attitude keep telling the proper story you can help people from yo platform screw the acting politically correct ☯️
Eh I'm all about freedom, that's it.
CykleKrooza i have no idea how money escapes me because it is so expensive out there now omg. a fine lunch is 50$ now. I owe 275k on a house i paid 275k for 4 yrs ago. U may be wiser that u say but it feels like i cant win you know even at 85k yr pay