Це відео не доступне.
Перепрошуємо.
Financial Tips From a 20 Something | how I afford to exist
Вставка
- Опубліковано 20 гру 2020
- 8 very simple good money habits that can help you feel financially free. A starting point.
Join Robinhood: join.robinhood...
I felt a little nervous filming this video so my voice and demeanor are super focused, yet I still feel I left out a bunch of little things. This is just a starting point in the world of financial tips. I have so so much to learn, but I get questions about finances and money and travel all the time so I thought I would share the basic things I do. I am still healing my relationship with money and learning it's okay to spend it sometimes. And also still learning a lot about credit cards, taxes, and investing... I'm a novice!
Disclaimer: I know I am so so privileged to be in the position I’m in. I spoke about this at length but decided to cut it out of the video because of how much longer it made it. Though I have struggled with my own forms of adversity, it’s nowhere near the struggles of many others. I know so many external things have actually played a huge role in my becoming more financially independent. Right timing, being more “conventionally attractive”, knowing the right people, the UA-cam algorithm, and more. I would never go so far as to say absolutely anyone could manifest their way out of poverty or out of systemic oppression. To me manifestation is more of a practical form of goal setting. I am so grateful for what I have received in my life, the miracles that have unfolded for me, I hope to do the most good I can with my finances and remain aware of my privileges.
Some great podcasts to learn from ( recommended by Elena Taber):
Best for Finance Beginners: So Money
The College Investor Audio Show: Best for Students or Recent Grads
The Fairer Cents: Best for Women
Money For the Rest of Us: Best for beginning Investing
The Dave Ramsey Show: Best for getting out of debt and saving for the future
Side Hustle Recommendations:
• How I Make Money | How...
• 5 Side Hustles You Can...
Roth Ira Calculator: www.bankrate.c...
Spend some time every day meditating on your most embodied self!
- MY SOCIAL MEDIA -
IG: yaknowme_hitomi
Spotify: thejauntforckandhm
$20 off the incredible non-stick Our Place pan fbuy.me/v/hitom...
Free Airbnb credit for first time users : www.airbnb.com....
- MY EQUIPMENT -
Canon 5D mark IV with sigma 24-70mm art lens
Manfrotto Tripod
Studio Essentials LED ring light
Big Love,
xx
Instead of "treat yourself" change it to "treat your future self"
👏👏👏
This is a great idea but my question is when exactly does my “future self” come in?
@@IfeoluwaKehinde2000 exaclty, i agree, but u also gotta be conscious that if you're waiting for the future, you might not be enjoying the now, i think everything has to have a balance
@@Raquelc_c I have this new quote "treat your higher self", because the past just happened, and the future isn't here yet, and I'm healing from my anxiety.
@@luvflowers6593 I love this - treat my higher self!
I tried to treat my future self previously and investing as much as I could on it and then realizing that I haven't been investing in my present self.
“Buying something you don’t need is stealing from yourself”
Let's be real. For most working class people these days, 80% goes on needs. 50% alone is probably rent.
But the American dream??
But yeah, Europe is no different. In my country rents are so high its basically just meant for the rich at this point.
Thats true
@@aljaz7426 that’s true. I live un Germany and life’s becoming every time more difficult.
Exactly that u can't save when u don't have any money left in the end of the month
Yeah, its true, but the difference is want the people do with that 20 or 10 or even 5 porcent %
of the leftover income in my perspective =)
i think if you come from a family that struggled financially, when you do begin making your own money form a positive relationship with money. try not to tell yourself “making money is hard” or “i have to struggle in order to make money” or any limiting beliefs you might have formed around money. i try not to stress about money or feel scared/anxious when spending money. saying mantras like “money flows to me frequently & abundantly. i always have enough for all my needs” helps a lot. but it’s important to release negative perspectives about money and be grateful for all you do have before manifesting abundances to allow for flow & be ready to receive ~~~
this ^
Absolutely. I finally was able to get my hands on the book Happy Money by Ken Honda (1st time Amazon didn’t delivery it, 2nd time the bookstore said they had it then cancelled saying they didn’t, and thankfully on the 3rd try I was able to drive to the next time and get my copy of it). It’s been very healing on both ends. I think we sometimes try to overcompensate our upbringing by working even harder physically, when sometimes we need to focus that effort mentally or emotionally. Affirmations, mindset shifting books, and shadow work helped me a lot. I had a dream the other night where I was told I healed my root trauma, but now I have to focus upwards; heart-based trauma. I feel safer now, somehow
Beautiful advice
very true. having limiting beliefs about money will only make it harder for you to make money
wow, thank you so much. Growing up barely making ends meet makes it very hard to feel uncomfortable even spending as much on rent as I have to right now, or on clothes, or food, on anything.
“I want to be more abundant than ever while needing so little” is the wave for 2021. This video was so empowering. I also really like how you connected financial wellness with the sacral and root chakras. Thanks for the great tips! 🙂
Another tip: don’t buy shit you don’t need👍
Lol it’s so simple... but can be so hard! I’ve been getting realllly good at this though, I really do ask that question. “How will I feel about this purchase in 5 years?”
@@HitomiMochizuki222 woah you just replied in 3 minutes. I just wanted to say I'm going through a really stressful situation and you have inspired me so much. You probably get this a lot- but out of all youtubers, you are really a true influencer in a good way.
or "if you cant afford it twice, you cant afford it" is a really good one
@@mann7298 what.... that makes zero sense
@@bigpoppa4094 it makes a lot of sense. if youre trying to save up, but have atendancy to spend without thinking too much, its a good way to think regarding bigger purchases and stuff that is not a necessity, but something you just want. ofc if were talking about something that costs 1 euro/dollar then its different, but like i said, applies well with bigger purchases.
simply to put it that if you would go and buy the stuff without being able to afford it twice, you wouldnt be left with much and you should always have some sort of buffer for emergencies etc. other ways to explain it but since you dont seem to get it i thought that to be quite a simple one. going along with the go comment, dont buy shit you dont need
It’s so weird...I was literally just stressing about money this month and here is the goddess herself posting about financials 🙈🙈
Saaaaaaaame!
Same here 😭
111 likes
Kayla Bellerue the government is sending out $600 checks next month.
@@Mike_M_Smith so I hear 🤓😅
please do tips on friendship!! meeting/connecting to new people, manifesting sisterhood, your story, spirituality/ consciousness in friendships, what you do with friends !
you are so amazing omg
yees! I need this too
Yes please!
yesss!!!!
Add me love ❤️ I want to do some videos on healthy friendships and relationships
Of course you can budget indefinitely to make yourself feel better, but its important to remember that most jobs don't pay more than the bare minimum. Its a structural issue as opposed to an individual issue.
Thank you so much for this. Financial literacy is important, but when you're not being paid enough to live on, you don't always have the opportunity or ability to follow every tip.
Yes!! So true
Yes!
Since she didn’t really mention the benefits of having a credit card over a debit:
1. Getting reward points or cash back, which really can add up
2. Purchase and return protection, which can REALLY prevent you from getting screwed over
3. If your card gets stolen, you can just cancel it and you won’t lose any money
Hope this helps! 🙂
YES! I had to cut a bunch out because I didn't want the video to be intimidatingly long. Thank you. I waited so long to get one but am happy that I finally did.
Thx for this
It also builds credit! The longer you have one, the more points you get🤠
@@HitomiMochizuki222 Would totally love a series if you have more to say!
i saw on your ig that you have been living out of your suitcases the past few years, i would love to see a video just looking at what you own and what you think is important to always have!
“Treating yourself” in a materialistic way (e.g. splurging on trendy things like clothing, makeup, accessories, etc. that you’ll probably use only once or twice) will only stress you out more lol. It will clutter your space, put you in debt, pressure you that you have to utilize them when you don’t want them anymore. It’s just noisy for your mental health. If you want to “de-stress” or detoxify, walk in nature alone or with friends, eat food that’s actually worth your money or make your own and go on a picnic, read a book you like, have a conversation over a cup of coffee or tea. The simple things bro. Yes, I understand, that each one has a different way of treating themselves but let’s be real, consumerism is pollution in all aspects. The whole “less is more” mentality is proven to be better for you mentally, financially, and spiritually. It’s the little things that truly matter.
Btw, I’m not putting anyone down here who likes spending things. It’s your money, not my business. But just sharing that knowing what’s really worth to be in your life is beneficial. Sending virtual hugs for everyone x.
As someone who is close to starting my twenties and already starting to get stressed over money, this video seemed to come at the exact right time!
I hope you figured it out! I’m starting the journey
im trying to move out of a toxic household rn so this rlly came to me at the right time
I believe soon enough you will find your new safe place 🧚🏼
me too sis
Money Affrimations does help !
My Goal this year is to move out of my toxic home too !😪😊
tip #9: don't join an mlm 🙏🏼🤍 instead start a youtube channel, your OWN business, sell your clothes on depop, your art, etc. joining an mlm is by far the least profitable "side-hustle" (+ if a company says they're not an mlm - they *definitely* are)
BOOST. anyone wanting more info on shady happenings of mlms...check out Anna's Analysis channel here on YT
what is a mlm?
@@ellsii.e it’s like a pyramid scheme. Those companies where u just have to recruit ppl. It’s like a cult kinda
I didn't skip through the ads so Hitomi can make that moneyyyy
is it only when you watch the ad all the way through that the youtube gets the money?
@@azziecrane764 they get money either way but i think they earn a little more if the ad plays all the way through
adblocker. no ads ever.
Sometimes I feel like being scarred from my upbringing was actually a blessing in disguise.
It taught me the importance of savings and budgeting. I feel like you and I have the same mindset Hitomi.
Much love from another creator💕
I’m 28, I wish I had this much wisdom at yo age. Thanks for another great video. I can’t tell you how much I’ve spent on Sephora and Starbucks and Target in my mid 20’s. I have shit I don’t even know I have.
i was just repeating a money mantra before this 😌 i AM a money wave 🧘🏼♀️
ching ching ching go the money tree💵🌳
I started really saving my money in my 2nd year of my apprenticeship (i was 16 years old) thanks to my boyfriend (he was saving his money since forever because he has a really minimalist mindset) :-) Now I'm 18 years old and I'm investing and saving money for my retirement. It feels really good to know that i have money saved up.
One thing that really helps is writing down your expenses in an Excel spreadsheet or google.. whichever. Really opens your eyes to the amount you spend daily and can help with honing down on what are needs vs wants!
Thank u for being the catalyst to my mental health progress and growth. You're literally one of my safe spaces and comfort UA-camrs and your videos are so eye opening. Just thank you🥺
I couldn’t agree more
No matter what the situation, remind yourself "I have a choice💃💃🔥🔥
YES !! I second this, so important
Just turned 40 this is Soo Important! "Treat ya self" is an easy trap to get into when it equals an expensive item, but the feeling of paying cash for that expensive item because you've planned and budgeted for it - feels Soo good. My coffee budget always is a shocker when my spending gets out of hand. It Adds Up.
You're right. It does make me feel empowered hearing more and more women talking about money, business, career, finances, investments, savings, credit etc. I love this financial freedom movement for women.
Edit: Using more than 20-30% of your credit card allowance and not paying the minimum EVERY MONTH can really damage your credit. So use your credit card like your debit card but don't take cash out of your credit card and stay under 30% of your credit limit.
hi hitomi did you know that your name means "full moon" in Japanese wich is a compound of 望 (mochi) meaning "which, desire" and 月 (tsuki) meaning "moon".
so literally your name means desire of the moon which is so cool and romantic , also in japanese literatture there is a reference to the moon as being the half part of a lover. maybe you too will find your half moon. if that ain't cool . a moon bathed in sunlight .
wow that's so cool i'm blushing right now
Ppl thinking about using robin hood, please read the terms and conditions carefully.
What do you mean?
@@lillieschaeffer9762 what they earn their money from... It's def a bit fishy.
@@w2best how so?
@@jazmynlikethetea_0.0 look into "payment for order flow" where they make the most of their money.
When you’re so early you don’t know what to say! You look gorgeous, Hitomi. Sending love and light to all 💕
I just want to quickly say that you are absolutely stunning, and have such a glowing aura and vibe. hope you’re having a wonderful 21st December and using all the powerful energy to manifest your dreams☺️🧚🏻♀️🧝🏼♀️🪐
@@freyaceleste omg, thank you so much lovely. That was so nice of you to say 💕😭 I hope the same for you! I’m trying to buckle down on my meditation and journaling!!
As she talked I was pausing the video and took care of my finances, I feel less stressed now. Thanks Hitomi.
As someone with low-income trauma, thank you for the help! Take care.
I was planning on sitting down TODAY to finally make a detailed budget for myself and this video was uploaded at just the right moment !!
currently living in a low income household and i find myself constantly worrying if i’ll have enough in the future to simply .... live. your story and advice has helped me so much. thank you for inspiring me not to live in fear hitomi, you are such a kind and generous soul.
Definitely do not spend more then you make and try to live as frugal as possible! Loved this video girlie! I've just started investing this year as well and am excited to continue and learn more about investing!
You have no idea how helpful this video was, sending so much love and respect
I've always wanted to know this part of you, how you managed money and everything
Thanks for sharing 🌿
I literally love you for this. Financial education is actually really important. Needing little but having enough to know you‘re secure is so important, especially for your mental health as well.
The manifestation part tho. You are such a light, and I’m so grateful that I found you and your channel. Thank you x1000 🥺💖
Watching your videos always make my days better! You’re such a chill person and I love the atmosphere in your videos❤️ Please keep creating you are such an inspiration for so many!!
My mom was just stressing about how she gonna pay rent which gave me so much anxiety, thanks for this video
I’m unemployed and I currently have $12 in my savings. It’s so hard to get a job right now.
I've been there baby❤ ik it can be hard but you have to change your mindset. Try this affirmation: A job that I love, that pays me more than enough to meet my needs, is waiting for me❤
Always impressed when someone so young plans for retirement. Very sage 💖
Just a thought: i noticed those quick inserts with the tips and i thought you could improve them by not putting them so quickly when you speak, make it more smooth rather than abrupt. Make them last a bit longer as well so that i dont have to stop the video everytime just for one short sentence
Great content btw, helpful 🌼☺️
the 50/30/20 rule works !!! so glad you talked about it !
Theses are some great tips “I want to be more abundant thank ever while needing so little” is such a create think to work towards and manifest 💜
Don't forget to get some money from the government! Food stamps and free healthcare is pretty easy to get if you don't make a lot / all the money you make goes toward living
I think these conversations are so important, it's helpful to have another perspective on how to save and spend because I can learn how to improve my habits. Thank you for sharing :)
I struggle with finding a way to ethically invest in the market. How do u choose the right companies without fear that you’re supporting an org that creates dissonance with ur own values? Thank you for this awesome vid and all ur beautiful content ♥️
Always brightens my day when I watch you! Thank you for the tips!
This was empowering, thank you. I get overwhelmed about money and my future and completely ignore them, then find myself overspending to cope with anxiety. Viscous cycle!
I absolutely love your attitude towards everything and you're so incredibly inspiring! thanks for being who you are and lifting my mood when I was really not feeling myself
Really needed this video. Love hearing about other people's financial journeys and especially from another woman, an entrepreneur too! It is so helpful to hear about the behind-the-scenes action or "real life" stuff that carry people we admire through their days. Thank you for this!!
I'm finishing the video now and all the tips were so useful! You are for sure an amazing source of light and knowledge, Hitomi. I am so glad to have found you and your channel. Much love!
I literally cried at the final tip. Thank you for this
This helps so much since I’m abt to move out on my own whilst going to school full time ✨✨ love you
One of the things that caused me not to save well was when I had my checking and savings account in the same bank. Everytime I opened up my bank app, I would see the amount in my savings account and wanted to spend it so badly. What I did to fix this issue of mine was have my checking account and savings account in two different banks. I opened up a savings account in a virtual bank (Ally Bank) and due to the fact it is virtual, meaning I don't have a savings account bank card, I never spend that money. This tip literally saved me from spending my money a lot and my best friend said that having two accounts in two separate banks really helped her save as well.
I've actually been wanting to travel on my own for 2 years now, perhaps with a cousin of mine- I'm turning 17 soon, and I'm getting closer to independence from my father (extremely possesive) I'll definetly utilize my time now and start understanding finances more, extremely helpful hitomi, thank you!! All my love♥️
the earlier you do it the better. i only started understanding stock investments this year and im 23. the earlier the better!
I could listen to you talk about this forever!
Hitomi is such a great role model! Im so grateful to have access to your content. Dhanyavad xx
I think it is also important to remember that a lot of the things we buy to treat ourselves can harm others because they are produced under unfair conditions or pollute the nature:( And they only give us superficial joy not true happiness.
i just woke up from a dream that revealed my financial insecurity, i feel like this video came at just the right time
i got a credit card when i was 18 and i ONLY used it to put gas in my car and now im 22 and already have good credit--i highly reccomend getting one early and just using it in a really controlled way like something you are gonna have to get no matter what
I love you, beautiful being. Just added you on Spotify, such lovely and calming music. To everyone reading this: transition easily into the new year, you are all full of light and grace. Much love from Germany
We are so financially disempowered in my family. Generational curses of debt, no money no life insurance paycheck to paycheck, poor credit etc. i appreciate your video ❤️
The ending was so beautiful, thank you! You got a new subscriber 😁
I am a freelancer and I've been wondering about a roth ira so thanks so much for this video!! I just opened one and I'm so excited! Money really is neutral, it’s people who use it with bad intentions. Also, I've been watching ur vids the past few days and you seem SO familiar, I swear I've known you in a past life or something, that your shining light is just so comforting 🥺 Thank you for living authentically, you inspire me so much and it’s amazing to have a fellow queer to watch talk about spirituality and everything else!
Girl, you deserve more subscribers. This is some excellent advice, thank you!
Hi Hitomi - I have watched a number of your videos and just want to say you do a great job. I hope a lot of young women (and men) are watching you because you are invariably sage and inspiring. I get something from all of your videos. Its refreshing to see such openness and vitality. Im sure you have your bad days (we all do) but you seem to be on the right path. Peace to you. Keep it going.
Thank you Hitomi, I have lately been struggling on saving money/being financially stable and seeing this on my recommendation made me feel at ease. You're like the older sister that I have always wanted.
I'm 26 and I really picked a bad year to get my shit together 😓 but I'm not giving up! I'm tired of living without abundance, no matter what I spent money on it never satisfied something within myself. I'm working on being content with what I have and facing what I need to instead of distracting myself with items or weed.
I'm a lot farther in my journey with abundance and self worth than I was in January, I love this growth and I'm grateful that this pandemic has shown me what is actually important.
You have the energy of a rose quartz or a clear quartz... literally just coming to your channel lifts my mood/vibration! Keep vibing high and sharing your wisdom :)
Can I just randomly say that am so grateful for youtube and youtubers for all of the AMAZING free content they provide! ❤
Too funny! I signed up for Robinhood two days ago! Thank you for all the tips!
Thank you for this video, I’ve learned so much from watching you and and can listen to you talk like all day lmao. So ready to be financially free! 💜💜
I got rid of my credit cards over a decade ago and it’s one of the best decisions I’ve ever made
My ✨ lovely 🥰 super excited about sweetie 🎉 hitomi 🙏🏼 for productivity 😘 be happy 😁 keep going for the great work 👍 keep up 💐
Your are absolutely stunning 🤩❤️. Love your energy & your videos so therapeutic ✨
You have such ✨Angelic Energy✨Thank for sharing with us!
loved this. you’re such a beautiful soul inside & out. thank you for sharing your wisdom angel. your words help me overcome mountains. 🤍 sending you so much love, light, & positivity
You know the exact time to do everything, it’s amazing thank you so much!
I love your channel, it has become one of my favorites. Your videos have helped me so much I am obsessed. Please never stop making videos
I really like what you said about not seeing money as evil because it will block you from abundance. It is hard to not see money as evil because we see what it does to people and the world. But moving forward I will definitely shift my narrative of money that it is a useful tool.
This video helped me feel so much less anxious about my relationship with money. Thank you for the tips Hitomi!
I'm curious, I never hear about ethical ways of investing in these kind of advice videos. Does anyone ever think of that? I'd personally only really be interested in those kind of resources...
me too. i was recently listening to jessica lynnyados podcast "ghost of a podcast", its about astrology but she speaks on current events and human rights which i find to be a value of mine when listening to spiritual teachers or guidance, i digress.. she mentioned researching what your companies 401ks are invested in and to make sure its ethical/not shady. I would say that goes for stocks, etc too but im still gaining finanical literacy in that realm. just as it does with where you spend your money in general. voting with our dollar
@Terra thank you for replying. That's what I've been thinking too. So since there doesn't seem to be a website or app that does the research for us, my lazy ass will have to put some effort into research. 😁🙂
Hey, I use Wealthfront to help me invest. You choose your risk level and it invests in a diversified portfolio for you. It gives an option to restrict certain stocks, so I just researched natural gas companies and other companies I don't want to support, listed those stocks as restricted in my settings, and now I feel better knowing that my money is growing while it's not going to anything terrible!
Thank you, Hitomi!! You are my mentor, I never know where to start with saving money so thank you for this :)
Thank you for this! It's inspiring me to start my research on investing and insurance at 22 yo :)) The money-world really is quite daunting, but good thing we can take baby steps
You always have such divine timing! Having to sell my first car (which to me represents my first form of independence) and feeling really stressed out about my relationship with money, so I appreciate the tips
I’ve been working for 4 years but I still don’t have savings😭
I love this video! I am currently taking a business class and my finap project to play a stock game that mimics real investing on the stock market i will definitely use robin hood for my research
A million when you retire will be peanuts
Also, health issues in the US eat up savings.
Yes, goals are so important! I loved this video 👏🏽😍
ur beautiful in every single way hitomi. thank you for being an older sister to me
Good video.
Just a few extra points:
-Regarding investing and retirement: Robinhood might not be the best way to start or even invest at all if you aim for long term profits (not that most people do well on short term anyway as there are studies about it) as the platform makes money by you trading and investing. Go for the most reliable way of investing like Van Guard where the job is done automatically. To learn about investing/retirement read from reputable experienced sources like Ray Dalio and his all weather portfolio, Warren Buffet, Barefoot Investor even Tony Robbins who im not a big fan of has a great book about finances which includes retirement plan and stocks separately (even though they are the same thing) etc.
-Staying at airbnb: In lots of countries/cities this is driving rent prices way up to the point families cant afford decent living conditions anymore and also ending small bed and breakfast businesses. Do your research on the area first.
:D
What perfect timing! I was just thinking about how to set up my savings accounts
This video is so helpful in this time of my life. Thank you so much for sharing your experience ✨
I’m 19 and I’m trying to save money but I don’t have any specific goals so I feel like I’m just saving for nothing ? And I just pay my phone bill so I spend most of my paycheck on clothes, etc .
Save towards your future and not the now, invest in yourself and not your representative self (clothes). You’re not saving for nothing, be appreciative and thankful you are able to save bc majority of the world can’t say so love 💗
Wanna travel? Wanna build a business? Youll already have mula
INVEST! As much as you can. $500 a month now when you have lower overhead (if you currently do) can be a million in retirement!
save for your future. i lived at home for two years during gap year and worked during that time and ended up with 10 000€ on my account when i left for university. things work very differently in different countries but i would just set up a savings account and put x amunt of money there every month. now i havent had to use my student loan at all and im on my third year of uni. (still took the loan as its the cheapest loan ill ever get and government will pay some of it if i graduate in time) but had i spent the money during my gap years instead of saving, i wouldve had to use my loan as well.
if you dream of travelling, save for that, it takes a lot of money. so many reasons to save
Omg I literally have the same problem, and we’re the same age (I thought it was just me)
I needed this video! What perfect timing! 😭😭💖
So grateful I landed upon your channel 🙏🏽
this is so helpful! please make more videos on the topic!! So nice to hear someone speak candidly about finances/what they wish they were taught in school, etc
Thank you for sharing Hitomi! 🤗✨
saving this video for when im in college lmao, hitomi got my back 😔❤️