8 Signs You're Financially F*cked (and how to fix it.)
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- Опубліковано 11 чер 2024
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I am impressed by how fast Nicole can talk and without repeating anything. Brilliant mind.
She is the only you tuber that I do not put on 1.25 speed!
Or on 1.5 !!@@iamjane9628
Same!
2x speed 😊
Yea, She is my girlfriend and I love her. And she loves me back
If you cut everything out for a few months…. You might realize you don’t miss it.
No debt
No car payment
No credit bill
Yes savings
Yes 6 month emergency fund
Glad I’m not normal!
🙌🏼
Yes. I'm quite unusual just like you!
Same here. Home paid off, no car payments. Married 33 years.
No mortgage - paid off 10 years early.
No debt
No credit card
25% into pension
On a written budget
Yep I’m a weirdo stuff doesn’t make me happy experiences do.
This is all so true! People are broke and refuse to live within their means! Great video Nicole!!! I started investing in my 401k at 18 and still going strong!
This is probably the most important thing of all. Whether you get your first job at 16,18, or 23 when you graduate college, have 10 or 15% automatically deducted. If your employer does a 401K match then do a 401K. If they don't you can just put it in an IRA. I didn't do this because I wasn't taught it. I had to learn it on my own later. Now I'm 57 and have very little put away. But at least I know that if things get bad like I'm about to be homeless or some other catastrophe happens, I have Mossberg insurance. You only ever have to make one payment so it never goes up. And it's quick and virtually painless. But don't be a dick and do it inside for others to clean up. Unless of course there is someone who caused you to be where you are, in which case you should absolutely arrange all their favorite items in the splatter zone to ruin as much as possible, be it their clothes, furniture, etc.
Magazine subscriptions are one a lot of us just pay and honestly never read them. Nicole may have covered this already, just throwing it out there.
Don't worry. I know a man at your age who lost it ALL ( savings, pensions, Social Security, property, and assets via a QDRO) in a disasterous divorce. Today he has recovered to a higher economic status by working multiple jobs and working on his own. The spouse quickly became the loser because of spendy habits and unable to have self control over a budget. As long as you have your health you can do it.
How do you invest? I know nothing about it. Im 21 and have watched a bajillion UA-cam tutorials but it seems so overwhelming to me and I honestly don't even understand what investing means. I see these "stock share" videos and I don't understand how they do it.
@@rex_8618 Rex it's simple and easy! If you stick to it you can retire early with lots of money! You open an account with a brokerage firm like Etrade or Charles Schwab. Then put 15 TO 20% of your pay in there and only buy an SP500 mutual fund! This fund holds the richest 500 companies around today like Apple, Amazon, Tesla etc. Don't invest in anything else cause individual stocks are very risky! Remember this is looong term so don't expect results right away. Just let it grow! I did it and am very happy I did! Also you can watch some Dave Ramsey videos. They teach a lot of common sense about investing and personal finance! Good luck!!!
"People get into financial difficulty when they don't act their wage." (Alfred E. Neuman - June 1961)
The reference to the herps 😂
Why is that funny? I don’t get the joke. Why is the canned herpes joke funny? I can just say “herpes” and the people around me -breakout- bust out laughing.
This video spoke to me! I'm sitting here wondering if I should reveal this, but I am experiencing many of the ideas Nicole mentioned. I am 57, I don't have an emergency fund, I have 4-figure credit card debt, and I am looking for work. I am NOT living with my parent, but I do have a roommate and I want to get out. It is my responsibility to get myself out of my situation and make it better. I remain optimistic despite the media, government, etc. This video is the flame under my ass I needed. Oh yeah, I don't have a budget, mainly because I know the reality but I so want to live in denial. Thank you NIcole for this bit of motivation today! Sometimes, you just need to hear the truth from another person.
You can start changing things today. All the best for your future.
So glad that you have come to this realisation. Now, you can make a plan to deal with it. Break it up into small achievable steps. You can do this.
We (spouse and me) dug ourselves out of well into 6 figures consumer debt. It took us 56 months of hard work and saying no to anything we couldn't afford. It was difficult in the extreme to admit to ourselves that we were broke and quite humbling. Today we are totally debt free and have almost a years expenses in savings and I now max out my 401K, Sue puts 15% into her 403B and we have a taxable brokerage account. 180 degree change in our way we handle money.
If we could do it anyone can including you. Just make up your mind and get going. We went from being stupid with our money to living quite frugal and it is such a great way to live knowing that we are not in the verge of financial ruin. Nicole is quite blunt and that is what I like about her, most on YT who cover personal finance are afraid to be blunt for fear that they will offend but I agree with her and I admit that we were stupid with our finances but we fixed the problem and will never go into the pit again. We didn't know how dark it is in the pit until we climbed out of it. Get on a budget and stick to it.
You can do it!
@@thomaschew2191 So true and very encouraging, well done on your financial turn around.
Very good point at @12:20, "The situation you're in may not be your fault, but it is your responsibility." Most people seem to have a real problem with this simple concept.
Good advice! I found that learning to tame your "wants" is a lot like taking sugar out of your diet. Once you lose the craving for sugar, you really don't miss it very much. Once you stop indulging your every want (and start saving & investing), you start to look at the stuff you used to want as unnecessary junk and a waste of $$.
Imagine NO DEBT. NO CAR PAYMENTS. NO LOANS. That should be your starting place. YOU know where YOUR money goes. Stop Door Dashing, stop eating out, stop frivolous spending. Pay off your debt. Get straight. Save your money then CHOOSE what kind of life you want to live. STOP BEING A VICTIM. LISTEN TO THIS WOMAN…Nicole, you nailed it.
I did all that but was married to an addict. Couldn't take it anymore. Tried to leave. Lost everything. He took the paid off home and all the cars and everything inside with slander. I was a stay at home mom with no options for work and too old to start over. Lawyers are expensive and useless.
Imagine marrying Taylor Swift! If you don’t, it’s YOUR fault! You have a better chance of marrying Taylor Swift than you do buying a house with cash.
I have zero debt and I feel rich. I used to be in debt and felt like a slave to bills. 20 years debt free. 7 years with bad credit gave me the opportunity to become debt free and I stayed that way.
I'd like to see that dating video you were talking about. Only because my curiosity Beckons.
Your channel deserves a million subscribers! Awesome content, I've been watching for awhile but rarely comment
“You sign things you don’t understand” Thank you for including this. Financial literacy 101, you can’t get more basic than this advice. But no one seems to mention it.
Nicole you are the cold-blooded Canadian auntie that all kids should have!! Great advice.
The bluntness of Nicole is why I am subscribed to Her. Love that you get straight to the point instead of tip toeing around an answer. Cheers 🥂
If you've watched the Financial Audit of the lady who had a payday loan with a 795% interest rate, she is the PRIME example why you should know the loan terms before signing. 😅
When Nicole talks about signing things....Multiple times seeing a doctor or physical therapist I have caught them putting pages in that basically say I will pay for anything that the insurance company wont. I refuse to sign or initial those pages and I tell them if insurance doesn't cover it don't do it. When they tell me it's mandatory I tell them to cancel my appointment then. Usually they reluctantly omit the pages and continue on it just removes one of their abilities to rip you off.
I am in my upper 50s, and while I am not living paycheck to paycheck, I do not value my money or my time (effort) to retain more of it. Every year, I waste tens of thousands of dollars, entirely unnecessarily. And while it may be likely that I do not respect myself (kinda hard to hear that and *admit* that), I think it's a deeper issue for me to self sabotage and punish myself. Only in the last few years have I come to the realization of why I put myself in that state.
I feel attacked 😆 Seriously though I've learned to live a minimalist lifestyle and have a 401K and pension with My Job which I've been with for 16 Year's.
My over spending in consumerism was brought on by filling a void and not caring about myself.
I just turned 40 last May and feel a Strange type of rebirth if that makes sense.
The biggest failure people make is the excuses for why they don’t do what they should.
I bought a $300 plane ticket to see my sister in TX (I live in NY). Yes, it went on a Credit Card. But I pay it back at the end of every month and never incur interest (plus I get the points). Saving money feels good and spending it on stuff you care about and not mindless junk feels amazing.
Now to sit back and pack my old backpack for my flight to the Lone Star State!
I do the same, my credit card has an insurance policy, just in case I get ill or something.
This is the dose of reality that so many people need ! You are awesome. I meet so many "victims of the system" who are broke, but they have money for booze, cigarettes, going out to eat all the time, and especially TATTOOS ! WTF is up with that? Everybody has to get inked up to show how freaking "unique" they are. Sorry folks, but you are NOT that special.
Tatts are so repulsive -- & have become a status symbol as well as look-at-me I'm so cool!
@@lanialost1320Repulsive as well as incredibly impulsive…also quite trashy imo
An emergency fund is essential, definitely disturbing that 50% of Americans don't have one. I wonder what the percentage is for Canadians
I agree. I know this will sound judgy but I am absolutely stunned sometimes when people in middle age with seemingly good jobs and regular lives share a go fund me for like 1 or 2 thousand dollars for an emergency. I am FAR from wealthy but the idea of not having a pretty good sized cushion of savings blows my mind and not even having like 2 months of expenses saved up? I don't understand it.
Maybe the go fund me is their way of getting out of paying for something, instead they will just take advantage of other people's compassion and let them foot the bill
Your closing message about the feeling of having the ability to deal with life is way less stressful when you’re financially prepared resonates hard. It took me until my last 30’s to understand the this concept and did not reach my goal having solid finances that could handle emergencies. Great video always!
I think a video about the grown adults complaining like teens would be a very good topic. I know a few who are nearly 40 who fit this description.
This is all so true. I feel like MOST people I know fit the exact description you mention here with almost no savings, considerable debt, and wasteful spending habits. I was like that in my early 20s and it honestly scares me how many people are my age (47) and still living that way.
I don't have a budget but I tick every other box. Our method is basically to have the lowest expenses that are easily met and put x amount into savings immediately so I feel like we just sort of bypass the budget thing. I know that doesn't work for everyone.
Another valuable video about the realities of Adult Life.
Nicole thank You so much for all that You do!
Facts! Preach it! Respect your money, respect your time, respect yourself!
Finally making and working a budget [a little late in life] was one of the most self-empowering things I have ever done. My savings increased dramatically, and I paid off two mortgages in ten years. I have an emergency fund and owe nothing to no one! Great feeling of freedom. A budget is nothing more than an instrument that allows us to be intentional with our finances to support our long term goals. And we know how much we have to play with to create the fun of life! Just discovered your videos, Nicole, and LOVE your messages!
Spend less than you make. Live well within your means. Live debt free.
this should be required lecture in schools. Common sense 101
Mortgage is an exemption to the "I can't afford to buy it now" my home has more then doubled in value since I bought it
You should be happy that it doubled in value ONLY if you plan on selling your house, If you plan on keeping it for a long time, there is nothing to celebrate my dear. Because the higher the estimated value of your house is, the more taxes you're paying per year. So think about it!
@@violetagira8687 This!!
I am planning to sell soon and downside so the double in value in definitely awesome@@violetagira8687
Yes ! I bought a condo in 2019 and sold it in 2023. I made over 300 K from the sale . They asked if we could be out in 10 days . I said , “ absolutely … No problem at all “ LOL Fortunately, when I buy real estate I do not develop any sort of attachment to it at all because of things like this .
It's the best thing you'll ever own, but don't get fooled by the idea that it doubled in value... the reality is that it holds value, while banks create more money through lending and there's an almost 1 to 1 ratio between how much money goes around and how much a house costs...
Therefore, your house doubled in value, but so did all the other houses, if you sell yours you won't buy two new ones... be careful when you consider taking out a mortgage on that current value, things might go down very fast and during a serious crisis like the subprime owning a mortgage free house was a real blessing.
The way your videos can hug me is so indescribable, unique, informative, genuine, underground ... on and on thank's Nicole
You can talk about anything and make it fascinating! And you're so likeable too.
This is the smack in the back of my head that I needed 😂 I appreciate you for this 😊
I needed that final sentiment about the feeling of financial security. I didn’t know what I was missing. As I work harder and achieve these goals, I have glimmers of that feeling and you are correct. It’s a better feeling than any purchase.
I Love your brutal clarity 😂
Sending this to my youngest daughter. Maybe Nicole can get through to her. 🎉
Nicole really be spittin' straight fire in this one. "The situation you're in may not be your fault, but it is your responsibility" is going in my collection of quotes to live by!
Smart cookie
Right: Ya wanna irritate a car finance officer to no end when closing a deal?
Take your time reading the fine print before signing the sales documents.
There needs to be a balance between living for today and living for tomorrow. Specially when you consider that tomorrow might never come.
Love your blunt common sense! Preach it!!
People putting everything on Klarna (a t-shirt, some make up) is insane!!!
The only reason I do this is to have Klarna and the company that didn't deliver my product to settle things. An extra layer of protection maybe, I still don't pay in installments.
As soon as I had a credit card I was paying it off every month.
Nicole, you made all good points. What gets me at work is that the number of people in their 20s who say that wont put at least 5 percent of their paycheck in a 401K, The company offers some good options and incentives. The best incentive is they match 100 percent up to 5 percent. Lets say weekly your 5 percent is 100 dollars the company matches that with 100 dollars which equals 200 yay.
I am retired now, but it used to be you could only put so much in your 401k, I could be wrong.
@@PraiseGod428 The limits on 401K for 2024 is $23,000. People over 50 can contribute another $7,500 for a total of $30,500.
When 401ks first came available, our company did a break room seminar. I wasn't impressed at the time (being in my late 20s). I signed up casually. So glad I did. Retired now. And although my wife's and my accounts are down from a 750k high, 650k isn't too bad for a retired grocery clerk.
Worth noting that you really have to check the expense ratio on your 401k fund(s). The "cheapest" fund available at my work is a 2% annual fee on the NYSE index. So they take 2% of everything I have in there and the end of every year, in exchange for... not managing it at all really. Their other funds go up to about 5%. Can't invest the 401k in anything but their limited choices. With a high expense ratio, you can lose all the money that your employer matched, and more. It can be a total racket. Compare to options like Vanguard that charge 0.04% annually for an index fund like that. The 401k takes 50 times as much!
@@tomphillips2608 I had a 401k with Fidelity and the company I worked for made a match up to 5%. My husband both this, had our home paid for when we retired and are blessed. I just was asking didn’t there used to be a limit on how much money you could put in? I see where you answered me. lol, Ty.
Kudo's to you Nicole raw and to the point. Your the Budgeting Ball
Buster, which children of all ages ( 10>90) need to hear!!!👍👍👍. Love your style.
Why isn't all of this being taught in schools?
In the UK it is called the never-never, and a majority live their whole lives that way, always nibbling at the cost, rather than buy up-front and feeling free. The young (and financially innocent) swear by it and it really irks me that living like that isn't living. Pay for something in total, or save up. I have always used my own version of a budget. It makes sense, as you have pointed out, and I agree with all you have said. As for setting a certain amount towards retirement, well, if you reach your 40's and it still hasn't made you wake up and think...hmmmm, is there hope for you? Nicole, you should provide your knowledge (not for free!) as a teaching aid package (book form, video, or in person) for schools/banks, where they can learn......from an expert :)
Exactly right. I've mentioned this in remarks in the past. She has a talent the few others have. Hope she doesn't miss the boat.
Great video Nicole, wish I would have known this when I was younger. You are spot on!
She uses "The Simpson's" clips a lot...........love it
Your channel should be required viewing for every student in high school. Just using 20% of your ideas would end so much financial pain for people. People talk about their freedoms, but live under a mountain of debt. Are you really free? Instead ,your a wage slave. You have others making your choices as you go thru life. That's no way to live. Thank you for the way out of a maze so many people. are trapped within.
Well said -- went to the audiologist yesterday and was told I have lost over 85% of my hearing and to rectify this I MUST buy a $4,500 dollar set of hearing aids. My reply? I do not have a hearing problem!! Others have a problem when they can not get me to understand what they are saying! Let's see what my wife of 56 years is going to handle this! LOL
Nicole,you always hit the nail on the head! You are doing the wrong job you should teach about money
Great advice.
Though I do feel for today's 20-somethings bc of student loans. It's really tough to study and earn minimum wage or below. A person can only do so much, and not all of us are born equal, ability and cognitive-wise.
Some jobs can be so stressful and strenuous that it leaves a person depleted from even trying to look for something else 😢
In an ideal world, everyone would've been taught to put away $500 a month starting at age 25 but by today's standard, a lot of 20-somethings are having to choose between 'heat or eat' and $500 a month is impossible for them to sock away when paycheque to paycheque is a reality despite their best efforts.
You are a parent many people didn't have to teach them the basics. Great video.
And amazing video as always! Love how insightful and straight to the point you are!!
Another great video! Amazed at all your content and how real it all is. Thank you!
I still cut my own hair with a FLOWBEE and people laugh.
So do I when I save $20 and get the haircut I want!
@grandpapete417 $20? You might not be in a major city, or else you'd be saving at least $50 for a guy's basic cut and $125 for a women's basic cut. Even still, t's *win-win* for you because if you ever wanted to part with your Flowbee, you'd probably get $100 for it on eBay! Loved seeing that someone still has one and is using it! 😁
Thank you very much Nicole !!!! I definitely needed to hear this !!! I love the “ Not sugar coating the truth “…. I’m glad your channel is growing….
This is the video that I think I've learned the most from by you! Always enjoy your videos :)
Nicole, your video is truly helpful. It's straight forward. This list makes so much sense. Thank you for posting this. #8 hit home.
Thank you for this, I really needed it and you’re the only one here on UA-cam who gives ACTUAL USEFUL advice that applies to many different situations and countries. You have earned a new faithful subscriber!
So wise. Thanks for showing up for us. Would love to hear about your dating experiences.
I watch you every Sunday. This is one of your very best!
Thank you!
Straight talk! Excellent advice. ❤️
Excellent advice. You are absolutely spot on. 👏🏼👏🏼👏🏼
YOU HIT THE NAIL. SUBSCRIBED.
You are so spot on. Keep up the good work
Nicole, your videos are excellent and so relateable.
First time I have ever watched one of your videos. You earned a subscriber! Well done.
Great Video again Nicole. Keep it going. I am getting a second job to try to help dig myself out of debit. Time to knuckle down.
Not a lot of people lack all of these. I have a couple of them. But this is a fantastic video, and I love it! It’s inspiring and I will look for ways to change those habits.
"The best time to plant a tree is 20 years ago. The second best time is now." - Chinese proverb (although why the second best time isn't 19 years ago, I don't know).
I didn't think this video was for me, and i was right and wrong. You continue to preach things that matter. I do most of these things, so im proud to be in agreement with you. Please keep up the great work Nicole!!!
A friend of mine who was in debt asked for my help. We went through his bills and his spending. I suggested that his wants have to stop and prioritize his needs. Pay off your credit card, the interest is killing you. That hundred dollars you’re paying in interest charges could of paid your gas bill. Stop buying after market parts for your car that gives you nothing back in return when you sell it.
Start investing $40 a week, and increase it another $10 after 6 months. You won’t even notice it. Continue that until you’re at $100 week. Live within your means. More money coming in, than going out. Life isn’t fair, accept it and move on. Small sacrifices go a long way when it comes to finances.
Really enjoy your videos, and yes, I subscribed. 👍🇨🇦
Tough but kind love is always appreciated. Well done. Kisses to the dog.
Great video!
Educate the Heart. Stay outa trouble.
There is an emotional component to all this knowledge which should be taught in school and for me it was seeing my parents chaos over money and the feeling I had when I had saved enough money to buy what I really wanted vs the feeling of keeping what I had saved and still having the power to make that decision later in time. May I ask what started you on your journey and who influenced you the most and what was the pivital point if any that you recognized looking back in time?
I really needed to hear this. I feel like I’ve been trying to fix my financial mistakes for a long time but I’m getting no where and I think it’s time to start cutting out some things that are preventing me from getting better. Even if they are things that make me happy in the short term, the long term is what matters.
Excellent video, thank you!
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Please educate me, i'm willing to make consultations to improve my situation, is she on TG?
@floraelkin in t e I e g r am
It's unexpected to come across her name here. She understands every beginner’s intention and fix you to a trading course that matches your capacity, she knows her stuff! Her advice has been invaluable to my trading journey. Definitely worth giving a shot!
It is really refreshing to see a comment about Flora Elkin.I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her approach consistently keeps you ahead of the trend, She's a guru i'll say
Investing has proven to be an incredibly beneficial decision. My cryptocurrency profits continue to play a substantial role in growing my overall wealth, reducing my reliance on my salary
Your videos are awesome! Great information!! This is so needed. And I assume your a big simpsons fan, for a different video, maybe you can make video on your top 10 simpsons episodes!!
love the financial literacy relating to immaturity point
Great talk. Thank you.
The one that hit the most was "Dies it feel better to watch the new film John Campea went to see or does it feel better to not be in debt and have cash" You didnt say that word for word but near the end of the video you mentioned the feelling. You must have read "The Psycoligy of money"
Yeah I have friends who make great money but are in debt and feeling stuck but refuse to change any habits or do anything about it. Say they're too stressed to even think about it
I appreciate your point of view.
LOVE your approach to talk!! 😂😂😂
Great Video💜
This was great thank you. Also yes, I would definitely like to watch a video you’ve created all about dating. Anything you would like to discuss about it is sure to be interesting from where to find a partner, which dating sites would you suggest? How to tell if they are scammers, how to create an interesting profile? What do you think of matchmakers? Where are the best places to meet somebody special in Canada? What to do to make our chances better to meet someone special for us at ANY age including our 60’s? I’m very interested to hear your take on this subject and thank you for the suggestion!
Greetings. I have recently watched some of your videos and would like to thank you for your uploads. I have been reading materials about personal finance for some time. Although I have not heard much new, it is important to reinforce discipline for not buying useless stuff and avoid financing (or whatever the word is used for extra interest payments). Warm regards from Tashkent.
I loved this
I laughed my ass off to the Netflix and subscription dump section! Definitely lean into the comedy side of the videos! Really liven up otherwise stuffy topics.
Interestingly, I related to both your previous video on 8 signs that you’re financially better off than you think AND this video - 😅
Time to change some things!
Don't really understand it, but your voice compels me to keep listening. Definitely not smooth or melodic, but it is catching. Very impressive if it is intentional.
Love the Caleb shout out! You two should do a collab 😆
Hi Nicole! I love watching your videos on Sundays after work. I would love to see a video about what you were talking about- adults having an immature outlook on their situations and just complaining without taking accountability. I just got out of a long term relationship and getting ready to start dating again- but I'm budgeting and would love to meet someone who wants to work together to do what we have to in order to accomplish our goals, not just blow all our money on going out to restaurants and all that stuff... not sure how that will go and would love to hear your experience in this. Thanks!
You are so right! I love your videos.