Glad UA-cam is compensating you for your time, talent, creativity, openness, integrity, work, and humor. ❤ Your channel benefits many. I wish you great success! ❤
@@genadijusdovidovas183 go into Brens past videos. He has at least 1 where he shares all he has learned about staying warm and "cozy" through our New England winters. You will not be disappointed!
Hey everyone! I appreciate all the feedback on this video even the criticism. I forgot to mention health insurance. I am covered with Medicaid currently so I have no premium. It’s the only government assistance i take advantage of. I appreciate you all!
I made a long reply, but forgot to add that I have always used a local insurance agent and have had Progressive since 2000. Six months ago, I took the dive into an online broker/policy. I still have the same coverage and still with Progressive. I pay every 6 months and my payment is $100 less for each payment, so $200 less per year. For the same damned thing!!
@@jaju123456 Geez. He's homeless and has no medical insurance. He needs and is entitled to medical care. Medicaid is not the do-all tell-all people think it is. I have Medicare and Medicaid. The Medicaid does not pay unless I have spent $1371 in one day. That would be like a couple expensive tests, like MRI or CT scans. If Medicaid happens to kick in, it picks up the rest of your coinsurance and copays for the rest of the month. Then the cycle begins again the next month. These #'s are according to income. It's a complicated deal to say the least. Probably easier for illegals than for citizens, though.
Bren, I think you’re doing a WONDERFUL job. You are living a stable life, paying off your debt AND not forgetting to enjoy yourself and have fun. I also really admire your commitment to your son. Don’t worry, the savings will soon come. May God continue to keep and bless you and yours on your journey.🙏🏾❤️
I applaud you and respect you my man and this is coming from a 63 yo who recently retired. First off, you are aware of your expenses and budget. CHECK. Secondly, you are taking responsibility and are aware of your situation. CHECK. Don’t concern yourself with the naysayers if you can. Those people are likely jealous of your situation and certainly don’t help you. Keep positive and lean on those of us who have been where you are and know with the discipline you are demonstrating you will be on top before long. You are a great example and reminder to me of how a real man just gets it done by executing “your” plan. Keep it up my friend and God Bless 🙏
I don't think people are jealous just because they provide feedback. Being in debt to the IRS is concerning. Lots of debt. And living in a car isn't really helping him save money. That is reality. To just make it all sunshine and rainbows as feedback or else someone is "jealous" is ridiculous.
@ apparently you missed my point, but that’s alright, it wasn’t meant for you. How about try lending a hand up instead of punching down? When we all do that we all win 🙏
I believe we should NEVER apologize for being good to oneself. If coffee or, an overpriced pastry hits the spot, go for it. Life is short, be kind to yourself.
Your mode of living requires so much discipline in all aspects of life and there's only a tiny margin for slippage, be it financial emotional or physical and the whole thing unravels. Give yourself a pat on the back man. A good many people would simply give up or wallow and yet here you are a living example of resilience to your son. I respect you for it. This experience is making you mentally indestructible in small increments. Take care.🌞
$600 car payment? Well, still cheaper than rent for most parts of this country. And you're right ... making extra payments on the car is a great idea. We paid extra on our mortgage every month and saved over 10 years on it. It wasn't always easy, but we just never thought about it ... that "extra" was just a scheduled payment, just like the mortgage. Geez ... the pay/earn and risk/reward cycle in this country is crazy .... if you're already rich, no problem ...the issue comes when you try to build wealth with honest labor.
I am from Hong Kong and now live in the UK. I find your channel the first time and try to practise my listening. I think you are a good Dad, very appreciate. Good bless you. Keep it up
Don't forget that Dollar Tree has $1.25 items like foil, ziploc bags, socks, shampoo, car charger cords, snacks,and groceries. I buy shelf stable milk(s) like whole milk and plant milks and $1.25 is usually half the grocery store price. Also I buy ready to eat items or foods you can heat in a microwave (at a convenience store), like tuna, chicken, 90 second rice, or canned soups. Great savings and convenience!
That was very honest of you to give us all that info, respect to you Bren. I hope the UA-cam continues to increase so you can start getting ahead. You're a good man Bren, God Bless you.💕🙏
$600 is about what I pay to rent one room from my cousin and my share of the utilities. Seems like a lot for a car but not when it's your home. Loving the videos, Bren. You've helped inspire a road trip I plan on taking next month, sleeping in my car as I drive ~2000 miles round trip. Keep pushing my man.
So glad you made that comment on Starbucks. They are way overpriced and I can't stand their coffee. But my son works there so I gotta appreciate them for being in business. 😋
Eating the same basic foods whole plant based.You could eat oatmeal, fruit, and Greek yogurt for breakfast with just hot water. Vegetables, cheese, nuts for lunch. Dinners can be cold food like tuna, sardines, a can of black beans, salsa and ready rice. I spend 150 a month on food and don't really cook much. Aldi saves me tons.
Bren keep the good work up. You’re a good guy life will line up for you. Good things are coming my friend. I believe 2025 is your year. So don’t give up……😊
After my wife died of cancer in 2013, I didn't file taxes for 4 years. Man that cost me a lot of money. So I ended up on an installment plan. Pay that sucker off and free up some money. Next I would pay off the car. I always buy new and pay off within 3 years. I just don't like payments. My house and vehicles are paid off and no CC debt. So I pay property taxes, insurance, utilities, groceries and can live on SS and my small pension. Congrats on doing what you need to do to live and take care of your son. You are a good dad.
@@cometasporelcielo I buy new at 15% or more discount to MSRP. Plus I have a nice Trade-in. It's about bargaining. Most people don't. I would rather pay for new car with full warranty, then dink around buying tires, brakes, or having a tech put the used car up on a lift so I can inspect the car for previous accidents. Nope I used to drive crap cars and either fix issues myself or pay a shop to do it. My 2014 RAM HD with Cummins paid 51k for it which was 10k under MSRP. Still worth 38-43k trade-in last time I checked. I still have a RAM Max Care warranty on it which costs me $32 a month. That covers over 5000 items. $200 deductible. Haven't had to use it yet. Bren did well to buy new because of the work he does.
Nothing can open your eyes wider than sitting down and WRITING out everything you spend a month. It doesn’t sound like much when we’re adding on 12.00 dollars here or 8 there but that ish adds up fast! I always tell my children to add it up in a yearly amount and the vision is bigger! I need to trim some of those “smaller” areas in my budget too…. Thanks for the reminder! 💪🏽
Bren...you got your priorities in order!!!!! Your son and being sober!!!!!! Happy Thanksgiving to you both!!!!! From another east coast nomad....5 years and going ;) Stay safe!!!!
What an eye opener about what it costs to live in our world right now. I hope the economy improves soon to give us ALL a little wiggle room. You are doing a great job. Much respect.
Really appreciate your honesty and how real you always are. I believe most would be lying if they said they were in the same boat as you with expenses. You are an example of the average person in this day and time. Thank you for sharing makes me feel not so alon. 😂
Hey Bren, New Sub. Thank You soooo much for finding me! Your Broadcasts have helped me get myself mind right. 66yr widow, live alone, No children, live in rural SC, on SS, times are really tight. Sub teach to supplement SS. You give hope encouragement and common sense strategies to live comfortably and enjoy life on a budget. You make 3x as much as my SS check. But Grateful for food clothing shelter and a few Good Personal Relationships! All the Best My Dear!!!😘
Bro you gotta get out of gig work. I did the same thing you did for 8 months. living in a paid off vehicle and still had nothing to show for it. It just dosent pay enough. And the amount of maintenance and repairs on my car I had to do, it was just so stupid to keep going with it. I work at amazon now and am stacking money like crazy now and my car is doing wonderful. Still living in it too.
I admire your authenticity and your commitment to remaining sober and being a stable component for your son. I enjoy watching your content because I love stories of resourcefulness and overcoming. I want to share that I have an extensive background in business development in multiple industries and I think that you could have a very lucrative career in BD. You’re likable, articulate and most importantly authentic. I think you are selling yourself short working the dining gig app stuff. You are worth more than that. I just wanted to share that with you. The world is starving for authenticity and you have it. Monetize that outside of you tube and I think your income could easily double each month. Good luck and thank you for sharing your journey.
$587 carpayment is not that bad, especially since you dwell in it and make you a living with it. Hang in there Brotherman, you are gaining ground, good job.
Your car is your job , your bed and your transportation. Be easy on yourself. If you ever got into a house or apartment maybe you could drive something cheaper, not now. Thank you for sharing this info, your honesty is refreshing. Stay safe. ❤
Hi Bren. You're doing great. You are at the financial stability level, it's when your total expenses lower than your total income. You can invest the difference or part of it and save the rest to emergency fund.
3:20 Bren do not stop with the Gig apps. UA-cam isn't forever. Keep trucking along, I know you've seen stories of UA-camrs calling it quits because their content isn't hitting as strong.
Thanks for sharing. I hate doing the exercise you just did because it sucks to see how f-ing expensive life is…My car insurance just went up 20% over the last year. No accidents or driving infractions.
I started looking at my expenses/earnings every month a couple years ago and it has been a game changer for me to keep me on track. Periodically I will also track every dollar i spend for a month or two because its so easy to slip back into old habits
Bren, have you considered joining a Credit Union and Re-financing your car loan with them for a lower interest rate? Also, if you have an Aldi's in your area they have Kombucha for $2.89ea, with Kombucha the fermentation process turns to alcohol because of the sugar, so from what I understand it's still better for your health, with that said, you should probably still avoid it because of the 0.5% alcohol. I switch from Geico after 25yrs to Progressive and save $80 a month.
Thank you for sharing so many details about your life. Keyboard warriors are quick to judge but it takes an incredible amount of bravery being this vulnerable and open to complete strangers
Great video. At least you know exactly how your financial situation is. Most of the people have no clue as financial education is neglected in shhools. I have also made many financial mistakes in my life. Maybe for your next car , buy an hybrid. Take care
Bren this was very informative, I was just saying to myself that I want to be a better Stewart over my finances starting now until . You're on the right track staying sober is a great pay off as well to your body.... I'm speaking from experience ❤
I’ve been getting to know you through your videos. I’ve subscribed and watched your channel over the past 3 days. You had 53.6 subscribers last night and I just noticed that you’re at 54.1 subscribers today. Way to go, Bren. You’re onto something!
What an inspiring video! You are on such a trying but worthwhile path Bren! While your money management skills and goals are stellar, i am always so taken with all the day to day things you do to maintain your best self. It's so clearly your intention. It's so healthy -mind , body, and spirit to live the way that you do. You are so true to yourself and that's fantastic to watch!!!!
Gig work has a ceiling and you’ve reached it.. Fuel costs plus wear and tear on a rapidly depreciating asset gets to be too much for most people. You got a great mindset and attitude about getting shit straight though. Respect for sharing all the numbers, and props on the orange band.
That's why electing better politicians is important. This crap doesn't get any cheaper the way the US is heading. Regardless of anyone's political views. It's just ridiculous
Thanks Bren. I've been curious how it all balances out. Its important info for us getting ready to get on road. You are doing great so keep it up. I really enjoy your videos, always. Love to you. 🌷
Good job man, making it in America ain't easy at all. You got this. I don't know if I could ever live in car so I have a lot of respect for you. I'm sure you will be in a much better spot soon!
Great video, I do full-time van living and have for many years, way to be frugal and make a budget, stay blessed and merry Christmas to you and your son 🎉
Yeah your car payment is 500+ but it's also your home. If you were paying rent & car THAT would hurt. Lol😅 All the experience you've mentioned is not bad really. It's like what the rest of us pay, so not bad at all. Give yourself credit cuz you're doing a great job 👍
Hi Bren, spend some time with a tax consultant as I'm confident you can write off a percentage of your car payment, insurance, your cell phone as you're a in theory self-employed. Therefore things needed to keep your business afloat (such as the car, insurance, gas, maintenance & cell phone-internet-hot spot) are what is known as "non reimbursed" business expense.♥
It's good that even if you are down on youtube you have a fallback for grinding the Apps. Glad to see you doing a decent living brother and hope to see you growing and moving on up.
Great vlog Bren, thank you for sharing your private monthly expenses. It is truly mind blowing to know how much one can earn with the gig apps, and UA-cam. I know you will hit 100k subscribers and earn a Hella lot more . Many blessings Bren 🙌🏽, you're simply amazing. Jose P.
Omgosh,Bren you made such a build up to the car payment that I thought you were paying $900 or something 😂 you are doing so great. I wish I was as responsible as you. I've made mistakes like you too. Be kind to yourself. Thank you for your honesty but you don't owe anyone any explanations. Enjoy your new apartment and that big bathtub. You're an inspiration. Watching you from Caledon ,Ontario Canada 🇨🇦
Hi Bren. Have you thought about doing more frequent videos of yourself doing gig work? For example if you are doing 20 days of gig work a month and 2 videos a month, you could do maybe 6 videos a months but just 10 days of gig work.
Geico did me dirty the same way, I'm 61 years old, no wreck in my life, some dimwit short brakes me and I bump them, minor stuff as you would say, they upped my monthly $100 immediately, I left them immediately for a lower rate that Geico had me at before the bump.
Bren, you are implementing a solid plan. I hope once you pay off the car loan and be on top of your taxes, you would start to feel more freedom. You are your own Ramsey and do not need any financial coaching to focus on your debts. By the looks of it you will be debt free before the end of 2026. Since you are keeping $400 for car maintenance for a new car every month, any major breakdown can be met. Subarus after 2017 model years have come out to be more reliable than RAV4s specifically for engine and transmission issues. I also work for the apps for food delivery services in Canada and use a Prius, no savings as it’s ground clearance sucks scraping icey roads and having to replace lower / upper control arms, ball joints and tires once in a while. Have to drive around 8000km a month on average to make $5500 income. And Prius has less cargo space than a Subaru. Great value video. Wish you a happy new year. Thanks for sharing for your every day life with us.
Recommend putting additional lump sum payments on the loan you pay the highest interest on. Whether that's your taxes or, car loan you'll need to determine.
Hi Bren, my son is under my cell plan and I pay $50 monthly. I’m pretty sure adding an iPad will not cost &140. Thank you for this video. It’s a great perspective to car life 👍👍😊
Great job Bren! A few other people have mentioned Mint Mobile. It’s a total game changer. Get your son on it too (iPad doesn’t add anything). Keep up the great videos!
Congratulations on being financially responsible. Many folks these days have no idea what financial condition they are in. Like I tell my kids, you’ve got to tell your money where to go or it will simply disappear. Keep up the great work. 💵💵💸💸
You're feeling what we all feel! I might also mention that unless I missed it you haven't included things like clothing, random "stuff" purchases such as Amazon, and as you briefly mentioned saving each month for holidays/occasions. It's really crazy how things add up. My only suggestion would be to seriously consider the difference on a lease payment of a brand new vehicle. I know, I know... but I bet you could lease a worry free vehicle for HALF of your car payment, and then you wouldn't need to save anything for maintenance either (total savings $500-700/month). It would basically be like a monthly business expense that's predictable and stable. I also understand that you may go over the mileage limits, so that's a factor. Regardless, you're doing awesome and making lots of very smart choices!
@@StevenProulx-t6c yep usually. But the rates are so much better. What you can do is use a line of credit to buy the car out at the end of the lease so miles don’t matter, and then immediately sell it for usually what you paid or very close. Then you just rinse and repeat. The whole point is the rates and low monthly payment for say 5 years while the lease is going on.
I love the outback, I’m currently living / sleeping in mine and been thinking of swapping for an ascent. Anyways, don’t forget about that CVT transmission flush, it’s about $500. Was told by Subaru do get that done at 100k miles.
Echoing the positivity here, brother - don't be hard on yourself or self-depreciating. We ALL go through some $hit, honestly, and have to deal with things. We've all been there when it comes to car notes or the IRS (bunch of thieves, quite literally). We're all glad to see you getting by and working towards a goal. We're all here to support you. Ever think of doing a Patreon? I'm sure you'd get more income that way. Keep up the positivity and keep taking care of yourself! Love your videos.
Even with the price of everything so high nowadays, you have a very decent income to keep your bills paid up and to take care of yourself and your kid with some extra. That's a blessing in itself and you're doing fine! I'm also a sober person but before I quit drinking, I realized that booze was tearing my budget up. A growing savings account and money to travel is now what I consider another benefit of sobriety 😊
Hey Bren. Thank you for your honesty, authenticity and consistency. You keep me motivated, to carry on despite all the struggles. I wish you all the best. Greetings from Poland.
As a suggestion, when you make early payments on your car, write on your check or somehow convey "apply to principle". I shortened my car loan significantly by doing this. Because otherwise they apply the payment to the interest. Just one sneaky way they extract more money from u. I'm very impressed with you and your journey! God bless u! 🎉
Thanks for sharing that info Bren. It's a struggle out there for just about everyone. Imagine if you tack a 1300 dollar a month rent payment on top of that. One serious issue is that your car is deteriorating and you need a big chunk of change for the next one. Gig work is a double edged sword in that you're beating up your vehicle. Maybe better to drive to a job that offers overtime and work 45 hours a week.
Yes, it is PLN (zł) - Polish zloty. I hope it will get converted to USD and you will not have any issues wirh that. I must have missed the option to change the currency - thought it will be converted automatically.
Thank you for this information. With your maintenance savings on your car, I would take $100 of that and put it towards your car or IRS whatever % rate is more especially if your car is less than 5 years old. That $400 a month is almost $5,000 a year. My car is going on 4 years old and I just had to get tires for it as a major expense. Otherwise it's 6 month oil changes and regular maintenance (air filters etc.) For your taxes, since you don't have your income withheld, 40% of your earnings should be set aside for taxes. Good luck to you on your new apartment.
Glad UA-cam is compensating you for your time, talent, creativity, openness, integrity, work, and humor. ❤ Your channel benefits many. I wish you great success! ❤
@@normamccafferty3053 thank you!
@@brenpgracehi,how do you stay warm in winter please.cos į live in the car and winter is coming
@@genadijusdovidovas183 go into Brens past videos. He has at least 1 where he shares all he has learned about staying warm and "cozy" through our New England winters. You will not be disappointed!
Hey community, go easy on Bren. He is sharing stuff I would never share. He is meeting his obligations and has a plan!
The people being rude, probably live with their parents 😂
@@SomeTypicalTouristTrue
EXACTLY 💯
I only see good comments here! What are you talking about?
@@RaveSharrma Some of “those” comments went away quickly.
Hey everyone! I appreciate all the feedback on this video even the criticism. I forgot to mention health insurance. I am covered with Medicaid currently so I have no premium. It’s the only government assistance i take advantage of. I appreciate you all!
TMNT bro FOREVER
I made a long reply, but forgot to add that I have always used a local insurance agent and have had Progressive since 2000. Six months ago, I took the dive into an online broker/policy. I still have the same coverage and still with Progressive. I pay every 6 months and my payment is $100 less for each payment, so $200 less per year. For the same damned thing!!
How do you qualify for medicaid with such a relatively high income?
@@jaju123456 Geez. He's homeless and has no medical insurance. He needs and is entitled to medical care. Medicaid is not the do-all tell-all people think it is. I have Medicare and Medicaid. The Medicaid does not pay unless I have spent $1371 in one day. That would be like a couple expensive tests, like MRI or CT scans. If Medicaid happens to kick in, it picks up the rest of your coinsurance and copays for the rest of the month. Then the cycle begins again the next month. These #'s are according to income. It's a complicated deal to say the least. Probably easier for illegals than for citizens, though.
@jaju123456 He wouldn’t qualify, I make less and don’t qualify and I am 60 years old. He should explain more about what he actually reports to them.
Your sharing such personal figures will help others.
Thank you Carol!
You should be very proud....can't believe you can live that cheap..and do it using gig work and youtube.....inspirational
Bren, I think you’re doing a WONDERFUL job. You are living a stable life, paying off your debt AND not forgetting to enjoy yourself and have fun. I also really admire your commitment to your son. Don’t worry, the savings will soon come. May God continue to keep and bless you and yours on your journey.🙏🏾❤️
I applaud you and respect you my man and this is coming from a 63 yo who recently retired. First off, you are aware of your expenses and budget. CHECK. Secondly, you are taking responsibility and are aware of your situation. CHECK. Don’t concern yourself with the naysayers if you can. Those people are likely jealous of your situation and certainly don’t help you. Keep positive and lean on those of us who have been where you are and know with the discipline you are demonstrating you will be on top before long. You are a great example and reminder to me of how a real man just gets it done by executing “your” plan. Keep it up my friend and God Bless 🙏
Wow !!! You are doing great !!!! It will all help you later on..
I don't think people are jealous just because they provide feedback. Being in debt to the IRS is concerning. Lots of debt. And living in a car isn't really helping him save money. That is reality. To just make it all sunshine and rainbows as feedback or else someone is "jealous" is ridiculous.
@ apparently you missed my point, but that’s alright, it wasn’t meant for you. How about try lending a hand up instead of punching down? When we all do that we all win 🙏
I believe we should NEVER apologize for being good to oneself. If coffee or, an overpriced pastry hits the spot, go for it. Life is short, be kind to yourself.
I totally agree. 😊
I love that you're maintaining a relationship with your son. Spending that time with him now is critical.
Your mode of living requires so much discipline in all aspects of life and there's only a tiny margin for slippage, be it financial emotional or physical and the whole thing unravels. Give yourself a pat on the back man. A good many people would simply give up or wallow and yet here you are a living example of resilience to your son. I respect you for it. This experience is making you mentally indestructible in small increments. Take care.🌞
$600 car payment? Well, still cheaper than rent for most parts of this country.
And you're right ... making extra payments on the car is a great idea. We paid extra on our mortgage every month and saved over 10 years on it. It wasn't always easy, but we just never thought about it ... that "extra" was just a scheduled payment, just like the mortgage.
Geez ... the pay/earn and risk/reward cycle in this country is crazy .... if you're already rich, no problem ...the issue comes when you try to build wealth with honest labor.
must be a brand new 2024 car.
I am from Hong Kong and now live in the UK. I find your channel the first time and try to practise my listening. I think you are a good Dad, very appreciate. Good bless you. Keep it up
You can never rely on UA-cam for stable income. One change in the algorithm can change everything!
Nowadays, no income is stable. Any factor can change it
Everything is unreliable. One change in your boss mind and you are unemployed.
Very important point. I hope Bren takes it to heart.
@@dec1slhstrawman.
You can trust in God. Regardless of what happens, if you're on the right path, you'll land on your feet. I know this from experience.
Don't forget that Dollar Tree has $1.25 items like foil, ziploc bags, socks, shampoo, car charger cords, snacks,and groceries. I buy shelf stable milk(s) like whole milk and plant milks and $1.25 is usually half the grocery store price. Also I buy ready to eat items or foods you can heat in a microwave (at a convenience store), like tuna, chicken, 90 second rice, or canned soups. Great savings and convenience!
That was very honest of you to give us all that info, respect to you Bren. I hope the UA-cam continues to increase so you can start getting ahead. You're a good man Bren, God Bless you.💕🙏
I appreciate that!
Appreciate your candor, Bren. Survival in America ain't cheap so living your life your own way makes good sense spiritually and emotionally.
Thanks!
Thank you, much appreciated!
Thanks for sharing this.
Thank you!
$600 is about what I pay to rent one room from my cousin and my share of the utilities. Seems like a lot for a car but not when it's your home. Loving the videos, Bren. You've helped inspire a road trip I plan on taking next month, sleeping in my car as I drive ~2000 miles round trip. Keep pushing my man.
So glad you made that comment on Starbucks. They are way overpriced and I can't stand their coffee. But my son works there so I gotta appreciate them for being in business. 😋
I think you are managing your expenses pretty well. Bravo!!
One meal a day is the healthiest option anyway so keep it up. Love the channel 😀
Eating the same basic foods whole plant based.You could eat oatmeal, fruit, and Greek yogurt for breakfast with just hot water. Vegetables, cheese, nuts for lunch. Dinners can be cold food like tuna, sardines, a can of black beans, salsa and ready rice. I spend 150 a month on food and don't really cook much. Aldi saves me tons.
@@denisejones1863 add some soup to the diet. Im not from Us, I dont know if u can find healthy soups there. but its good
also: love you man. i've made so many financial mistakes in my life and you inspire me to work hard to better my life.
Thank you for this detailed information. You are a very sympathetic guy and i wish you the best. You earn a lot, but pay a lot too.
Bren keep the good work up. You’re a good guy life will line up for you. Good things are coming my friend. I believe 2025 is your year. So don’t give up……😊
Love the honest and straightforward talk. Keep up the great videos
After my wife died of cancer in 2013, I didn't file taxes for 4 years. Man that cost me a lot of money. So I ended up on an installment plan. Pay that sucker off and free up some money. Next I would pay off the car. I always buy new and pay off within 3 years. I just don't like payments. My house and vehicles are paid off and no CC debt. So I pay property taxes, insurance, utilities, groceries and can live on SS and my small pension. Congrats on doing what you need to do to live and take care of your son. You are a good dad.
why do you buy new when most cars lose up to 50% of their value for just driving them off the lot?
@@cometasporelcielo I buy new at 15% or more discount to MSRP. Plus I have a nice Trade-in. It's about bargaining. Most people don't. I would rather pay for new car with full warranty, then dink around buying tires, brakes, or having a tech put the used car up on a lift so I can inspect the car for previous accidents. Nope I used to drive crap cars and either fix issues myself or pay a shop to do it. My 2014 RAM HD with Cummins paid 51k for it which was 10k under MSRP. Still worth 38-43k trade-in last time I checked. I still have a RAM Max Care warranty on it which costs me $32 a month. That covers over 5000 items. $200 deductible. Haven't had to use it yet. Bren did well to buy new because of the work he does.
Nothing can open your eyes wider than sitting down and WRITING out everything you spend a month. It doesn’t sound like much when we’re adding on 12.00 dollars here or 8 there but that ish adds up fast! I always tell my children to add it up in a yearly amount and the vision is bigger! I need to trim some of those “smaller” areas in my budget too…. Thanks for the reminder! 💪🏽
Bren...you got your priorities in order!!!!! Your son and being sober!!!!!! Happy Thanksgiving to you both!!!!! From another east coast nomad....5 years and going ;) Stay safe!!!!
What an eye opener about what it costs to live in our world right now. I hope the economy improves soon to give us ALL a little wiggle room. You are doing a great job. Much respect.
Really appreciate your honesty and how real you always are. I believe most would be lying if they said they were in the same boat as you with expenses. You are an example of the average person in this day and time. Thank you for sharing makes me feel not so alon. 😂
Very interesting. Bren you are doing a great job paying off your debts...congratulations!
Hey Bren, New Sub. Thank You soooo much for finding me! Your Broadcasts have helped me get myself mind right. 66yr widow, live alone, No children, live in rural SC, on SS, times are really tight. Sub teach to supplement SS. You give hope encouragement and common sense strategies to live comfortably and enjoy life on a budget. You make 3x as much as my SS check. But Grateful for food clothing shelter and a few Good Personal Relationships! All the Best My Dear!!!😘
Bro you gotta get out of gig work. I did the same thing you did for 8 months. living in a paid off vehicle and still had nothing to show for it. It just dosent pay enough. And the amount of maintenance and repairs on my car I had to do, it was just so stupid to keep going with it. I work at amazon now and am stacking money like crazy now and my car is doing wonderful. Still living in it too.
I admire your authenticity and your commitment to remaining sober and being a stable component for your son. I enjoy watching your content because I love stories of resourcefulness and overcoming.
I want to share that I have an extensive background in business development in multiple industries and I think that you could have a very lucrative career in BD. You’re likable, articulate and most importantly authentic. I think you are selling yourself short working the dining gig app stuff. You are worth more than that. I just wanted to share that with you. The world is starving for authenticity and you have it. Monetize that outside of you tube and I think your income could easily double each month. Good luck and thank you for sharing your journey.
@@SusanHeaton-k2w I hear ya Susan. I agree I am capable of much more. Stay tuned 😉
$587 carpayment is not that bad, especially since you dwell in it and make you a living with it. Hang in there Brotherman, you are gaining ground, good job.
Your car is your job , your bed and your transportation. Be easy on yourself. If you ever got into a house or apartment maybe you could drive something cheaper, not now. Thank you for sharing this info, your honesty is refreshing. Stay safe. ❤
Man, I would think you could claim you car payment as a business expense. You should look into it.
Hi Bren. You're doing great. You are at the financial stability level, it's when your total expenses lower than your total income. You can invest the difference or part of it and save the rest to emergency fund.
Some people pay more for a car payment don't feel bad a reliable car is more important. You get what you pay for. You are doing well Bren.
Bravo! You are in good spot Bren. Everything else will come from your dedication and hard work, in time! . Keep up the good job. We are with you!
3:20 Bren do not stop with the Gig apps. UA-cam isn't forever. Keep trucking along, I know you've seen stories of UA-camrs calling it quits because their content isn't hitting as strong.
He wouldn't be able to pay all his expenses if he quit the gig apls, no wonder the man keeps on delivering
$587 is not an outrageous amount these days. You are doing well!
Thank you brother for being so transparent! You are one of my new fav UA-camrs for car. Camping
Thanks for sharing. I hate doing the exercise you just did because it sucks to see how f-ing expensive life is…My car insurance just went up 20% over the last year. No accidents or driving infractions.
My insurance went up too, like 200. No tix or accidents. They are trying to maintain their profit 😢
I started looking at my expenses/earnings every month a couple years ago and it has been a game changer for me to keep me on track. Periodically I will also track every dollar i spend for a month or two because its so easy to slip back into old habits
Excellent....Excellent video...thanks so much for sharing this info. Really helps out a lot of people. Awesome content creator.
Bren, have you considered joining a Credit Union and Re-financing your car loan with them for a lower interest rate? Also, if you have an Aldi's in your area they have Kombucha for $2.89ea, with Kombucha the fermentation process turns to alcohol because of the sugar, so from what I understand it's still better for your health, with that said, you should probably still avoid it because of the 0.5% alcohol. I switch from Geico after 25yrs to Progressive and save $80 a month.
Super awesome you're making some legit money on youtube. Keep posting. I'll keep watching.
Thank you for sharing so many details about your life. Keyboard warriors are quick to judge but it takes an incredible amount of bravery being this vulnerable and open to complete strangers
So true!
That was refreshingly honest and non-sugar coated. Thank you for that
Great video. At least you know exactly how your financial situation is. Most of the people have no clue as financial education is neglected in shhools. I have also made many financial mistakes in my life. Maybe for your next car , buy an hybrid. Take care
Bren this was very informative, I was just saying to myself that I want to be a better Stewart over my finances starting now until . You're on the right track staying sober is a great pay off as well to your body.... I'm speaking from experience ❤
You’re hardworking and you have a plan. Good for you!
I’ve been getting to know you through your videos. I’ve subscribed and watched your channel over the past 3 days. You had 53.6 subscribers last night and I just noticed that you’re at 54.1 subscribers today. Way to go, Bren. You’re onto something!
Thanks, Bren. That was enlightening and required strength.
What an inspiring video! You are on such a trying but worthwhile path Bren! While your money management skills and goals are stellar, i am always so taken with all the day to day things you do to maintain your best self. It's so clearly your intention. It's so healthy -mind , body, and spirit to live the way that you do. You are so true to yourself and that's fantastic to watch!!!!
Thanks Brendan for your Videos. Best wishes from Berlin
Glad you like them and thank you!!
You are a great dad. I love this video!
Bren, your honesty and openness is a breath of fresh air. Thanks for being a great example of a good human!
Gig work has a ceiling and you’ve reached it.. Fuel costs plus wear and tear on a rapidly depreciating asset gets to be too much for most people.
You got a great mindset and attitude about getting shit straight though. Respect for sharing all the numbers, and props on the orange band.
That's why electing better politicians is important. This crap doesn't get any cheaper the way the US is heading. Regardless of anyone's political views. It's just ridiculous
Thanks Bren. I've been curious how it all balances out. Its important info for us getting ready to get on road. You are doing great so keep it up. I really enjoy your videos, always. Love to you. 🌷
Good job man, making it in America ain't easy at all. You got this. I don't know if I could ever live in car so I have a lot of respect for you. I'm sure you will be in a much better spot soon!
Great video, I do full-time van living and have for many years, way to be frugal and make a budget, stay blessed and merry Christmas to you and your son 🎉
Yeah your car payment is 500+ but it's also your home. If you were paying rent & car THAT would hurt. Lol😅
All the experience you've mentioned is not bad really. It's like what the rest of us pay, so not bad at all. Give yourself credit cuz you're doing a great job 👍
I think having more than 900 usd to set aside every month is not bad. You can invest it into ETFs or even open your own IRA. You are doing great
Don't think you watched the video. He needs to save up 31k to pay off the car.
Hi Bren, spend some time with a tax consultant as I'm confident you can write off a percentage of your car payment, insurance, your cell phone as you're a in theory self-employed. Therefore things needed to keep your business afloat (such as the car, insurance, gas, maintenance & cell phone-internet-hot spot) are what is known as "non reimbursed" business expense.♥
It's good that even if you are down on youtube you have a fallback for grinding the Apps. Glad to see you doing a decent living brother and hope to see you growing and moving on up.
Great vlog Bren, thank you for sharing your private monthly expenses. It is truly mind blowing to know how much one can earn with the gig apps, and UA-cam. I know you will hit 100k subscribers and earn a Hella lot more . Many blessings Bren 🙌🏽, you're simply amazing.
Jose P.
Omgosh,Bren you made such a build up to the car payment that I thought you were paying $900 or something 😂 you are doing so great. I wish I was as responsible as you. I've made mistakes like you too. Be kind to yourself. Thank you for your honesty but you don't owe anyone any explanations. Enjoy your new apartment and that big bathtub. You're an inspiration. Watching you from Caledon ,Ontario Canada 🇨🇦
You can refinance the car right now. The feds lowered interest rates. Please check out community banks they are less likely to ask for cash down.
Hi Bren. Have you thought about doing more frequent videos of yourself doing gig work? For example if you are doing 20 days of gig work a month and 2 videos a month, you could do maybe 6 videos a months but just 10 days of gig work.
Geico did me dirty the same way, I'm 61 years old, no wreck in my life, some dimwit short brakes me and I bump them, minor stuff as you would say, they upped my monthly $100 immediately, I left them immediately for a lower rate that Geico had me at before the bump.
You see the whole picture, you understand interest and income taxes. Good luck to you!
WOW. The average car payment in America is $739. You’re doing ok. I appreciate your insights & positivity. Stay safe. ❤
You should feel proud of yourself, Bren. Great video and good living. Cheers
Bren, you are implementing a solid plan. I hope once you pay off the car loan and be on top of your taxes, you would start to feel more freedom. You are your own Ramsey and do not need any financial coaching to focus on your debts. By the looks of it you will be debt free before the end of 2026. Since you are keeping $400 for car maintenance for a new car every month, any major breakdown can be met. Subarus after 2017 model years have come out to be more reliable than RAV4s specifically for engine and transmission issues. I also work for the apps for food delivery services in Canada and use a Prius, no savings as it’s ground clearance sucks scraping icey roads and having to replace lower / upper control arms, ball joints and tires once in a while. Have to drive around 8000km a month on average to make $5500 income. And Prius has less cargo space than a Subaru. Great value video. Wish you a happy new year. Thanks for sharing for your every day life with us.
Recommend putting additional lump sum payments on the loan you pay the highest interest on. Whether that's your taxes or, car loan you'll need to determine.
Excellent video. Very thorough! Thanks .
Glad you enjoyed it!
Amazing video. Your channel will continue to grow up if you keep making this great content with such good transparency.
Hi Bren, my son is under my cell plan and I pay $50 monthly. I’m pretty sure adding an iPad will not cost &140. Thank you for this video. It’s a great perspective to car life 👍👍😊
Must not be Verizon. I wish my bill was under $200, let alone under $100!
Great job Bren! A few other people have mentioned Mint Mobile. It’s a total game changer. Get your son on it too (iPad doesn’t add anything). Keep up the great videos!
@@cynthiatracy9549 I have Mint Mobile and I have no issues with them.
Congratulations on being financially responsible. Many folks these days have no idea what financial condition they are in. Like I tell my kids, you’ve got to tell your money where to go or it will simply disappear. Keep up the great work. 💵💵💸💸
It takes alot to open up like that and share. Great job.
Thanks 👍
Mint mobile would save you a lot on the phone bill. I switched last year and saved over 100 a month. No issues with service. 🌻
Your breakdown and transparency here is really amazing. I don’t know your situation but whatever it is, you are rocking it.
You're feeling what we all feel!
I might also mention that unless I missed it you haven't included things like clothing, random "stuff" purchases such as Amazon, and as you briefly mentioned saving each month for holidays/occasions. It's really crazy how things add up.
My only suggestion would be to seriously consider the difference on a lease payment of a brand new vehicle. I know, I know... but I bet you could lease a worry free vehicle for HALF of your car payment, and then you wouldn't need to save anything for maintenance either (total savings $500-700/month). It would basically be like a monthly business expense that's predictable and stable. I also understand that you may go over the mileage limits, so that's a factor. Regardless, you're doing awesome and making lots of very smart choices!
Doesn't a lease only allow so many miles driven?? As a gig worker we jack on a good amount of miles..
@@StevenProulx-t6c yep usually. But the rates are so much better. What you can do is use a line of credit to buy the car out at the end of the lease so miles don’t matter, and then immediately sell it for usually what you paid or very close. Then you just rinse and repeat. The whole point is the rates and low monthly payment for say 5 years while the lease is going on.
Big respect for sharing. I like watching your videos. I hope you grow bigger and your youtube pays all your expenses fast :)
I love the outback, I’m currently living / sleeping in mine and been thinking of swapping for an ascent. Anyways, don’t forget about that CVT transmission flush, it’s about $500. Was told by Subaru do get that done at 100k miles.
TMNT! - A man of culture. I loved TMNT when I was a kid, still do.
Echoing the positivity here, brother - don't be hard on yourself or self-depreciating. We ALL go through some $hit, honestly, and have to deal with things. We've all been there when it comes to car notes or the IRS (bunch of thieves, quite literally). We're all glad to see you getting by and working towards a goal. We're all here to support you.
Ever think of doing a Patreon? I'm sure you'd get more income that way. Keep up the positivity and keep taking care of yourself! Love your videos.
Thanks, dude! Honestly, people enjoy seeing this content. Best wishes for you and don’t forget to pray ✝️ You are a good person
Thanks for being so transparent. Very informative.
Yea it's crazy how quick those "life expenses" add up..
Even with the price of everything so high nowadays, you have a very decent income to keep your bills paid up and to take care of yourself and your kid with some extra. That's a blessing in itself and you're doing fine! I'm also a sober person but before I quit drinking, I realized that booze was tearing my budget up. A growing savings account and money to travel is now what I consider another benefit of sobriety 😊
@@marissamovingon thanks for sharing your good news. Rooting for you.
Thank you for sharing those numbers! I think you are doing absolutely fine. The debt is your biggest issue. Other than that, your expenses are normal.
Hey Bren. Thank you for your honesty, authenticity and consistency. You keep me motivated, to carry on despite all the struggles. I wish you all the best. Greetings from Poland.
Glad to hear, thank you!
As a suggestion, when you make early payments on your car, write on your check or somehow convey "apply to principle". I shortened my car loan significantly by doing this. Because otherwise they apply the payment to the interest. Just one sneaky way they extract more money from u.
I'm very impressed with you and your journey! God bless u! 🎉
your comment on starbucks, hiliarous ! thanks for the great video! you work hard and enjoy life!
Thanks for sharing that info Bren. It's a struggle out there for just about everyone. Imagine if you tack a 1300 dollar a month rent payment on top of that. One serious issue is that your car is deteriorating and you need a big chunk of change for the next one. Gig work is a double edged sword in that you're beating up your vehicle. Maybe better to drive to a job that offers overtime and work 45 hours a week.
Perhaps. I’ve already cut my driving down a lot bc I’ve working on new streams of income but I agree with you.
I love honest videos like these.
Dziękujemy.
Wow, thank you. Is that polish currency?
Yes, it is PLN (zł) - Polish zloty. I hope it will get converted to USD and you will not have any issues wirh that. I must have missed the option to change the currency - thought it will be converted automatically.
Thank you for this information. With your maintenance savings on your car, I would take $100 of that and put it towards your car or IRS whatever % rate is more especially if your car is less than 5 years old. That $400 a month is almost $5,000 a year. My car is going on 4 years old and I just had to get tires for it as a major expense. Otherwise it's 6 month oil changes and regular maintenance (air filters etc.) For your taxes, since you don't have your income withheld, 40% of your earnings should be set aside for taxes. Good luck to you on your new apartment.