7 Millionaire Habits that have CHANGED MY LIFE
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- Опубліковано 12 вер 2024
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What "millionaire habit" do you practice? And get your free tracking chart here! budgetgirl.com/free
Track spending.
Budget
Assessment of need versus want.
Make everything last as long as it can
Quality over quantity.
Another would be pick the right life partner with similar financial goals. You don't want to be aggressively paying off stuff and have someone going eh minimum payments are fine YOLO.
You are totally right! That is so important!
My husband is retiring in two years and we wanted to new vehicles before he did. First we bought mine, and aggressively paid that one off, then his. In less than 4 years. Those were the only debts we’ve carried in 15 years. We aggressively paid off our house a long time ago. There’s one more big item we will buy and have that paid for in a year. It can be done.
Budget girl I am just so proud of you. I have followed you since you were like $22,000 in debt you are amazing.
So kind thank you!
Same💓 loved the videos with your little lunch pail and numbers in your videos
An idea from a former co-worker when I started my career was that every time he got a raise, he’d increase his retirement by 1%. As he had never seen the money, he’d never notice it was “.gone”. In my current job I have it set every year on my birthday to increase by 1% as a present to myself. (My second job only allows me to increase on January 1, so same deal.)
I also recently heard to save 10% of your house payment every month, so I just started that last year-and it makes sense. And really came in clutch for a major plumbing issue that drained the account completely-if I hadn’t been saving, it could have been a more stressful issue-and I’m okay because the account is growing again.
And I am thankful to hear you don’t get up early. I am not a morning person-even if I try!
those are both incredible ideas that will ensure future preparedness and help! and night owls forever :-D
Love your videos. We invest. We don’t try to keep up with the Joneses. I did buy a 2020 Lexus RX two years ago. I bought it for reliability and comfort. I bought it after I had driven my Mommy Soccer minivan for 12 years which was handed down to my husband and it currently has 204K miles and still going strong. We sold his 2009 Malibu that year with a 189K miles on it. Honestly our new car could be one of the last cars we buy. We love to travel but often share meals because we don’t want leftovers. Not because we are cheap. We have $1M in our retirement funds at the age of 57. Good money habits go a long way.
PS. I spend a lot on coffee too! I have a home delivery service also. Might have to try Cometeer now. Keep on making great videos. Love using your net worth tracker sheet. Game changer ❤️❤️
I'm so glad you love the tracker! and it sounds like you've created an amazing life! congrats!
Sarah, you are doing a lot of the same things I am doing and it is paying off! I am building on the following: savings, investments, one long term rental house, one short term rental cabin, writing books, no car payment, thrift shopping, etc.
Love that! congratulations and good luck on those streams! they sound amazing!
Emergency fund has saved my life many times. Life keeps happening and I keep replenishing asap.
Totally agree with multiple streams of income.
The world your parents grew up in is gone.
We can no longer work one job from 15 to 70 and get a retirement package.it simply don't exist anymore.
We have to change jobs often to get a raise.
Plus, let's be honest.the more skills one has,the better.having a lot of skills makes you far more employable.
Ohhh, that coffee sounds divine 🤩
Recently borrowed the Ball canning & preserving book from the library (favorite place), my partner and I are moving into an apartment and will try herbs first but will get into canning when we buy land and start a garden! My Grandfather was a mechanic and said to keep up with regular maintenance, it’s better to run it into the junkyard than trade it for an upgraded model every few years. I am currently on a debt repayment plan aiming to pay off $18K of student loans by 2023. Always said I would pay it off before 30, only 2 years behind the initial goal. But that’s tuition & 1 semester of books only, I paid out of pocket for housing and came in every semester with at least $200 down (community college & state university).
Thanks Sarah, I enjoy your content on the channel & blog!!
thank you for watching meg!
Well done. Let’s keep moving forward. I wait for your posts and wish that you would post more frequently. I am just a fan from way back. 😀
I try my best, but I do have a lot of balls in the air/ income streams to manage. If anything, I may need to take some time off soon. I'm pretty overwhelmed and one thing millionaires do is take care of themselves.
I got into rental properties and while I wasn't getting a huge income from them, I was wanting the mortgage and expenses to be covered so that I built equity and when I go to sell those properties (renters') paid for that wealth for me! I also have invested in stocks and mutual funds. I don't have 7 streams, but I have two very strong streams of income. Another big factor is leaving way below my means. My goal every year is to save at least 40% of my income so when I retire I can have the same level of living. I also read a lot. I basically from my mid-20"s (early 1990's) I was reading Money magazine cover to cover to try and understand how "well off" people got ahead with their money.
Automatic transfer into Emergency savings every paycheck- even if it’s only $10
automatic savings and investing is such a good habit!
Thanks for the advice, I just set up a €20 automatic transfer to my Emergency Fund...such a good idea!
@@morekindnessnow9231 that's how I started mine. It added up surprisingly fast. Then -- I started working from home. No more transit costs. So, I put that money into savings. Tax refund? Add it to savings. Couple hours of overtime? Ditto. You'll have a healthy emergency fund before you know it.
I have been subscribed to your channel for a long time. You are one of my first subscriptions. This video hit home, but not for the reasons you may be thinking. My brother is the Senior Engineer at Cometeer Coffee! He developed 70% of their equipment. The coffee is AMAZING. I can literally drink it without cream or sugar both hot or cold. I have never been able to do that with other pods or grinds. When you said they were your sponsor I had to skip to that promo. Great Job! Now back to the beginning to watch the video, Thanks for being you!
That's amazing! Please tell him hi for me. They were LOVELY to work with and so understanding when I had to delay twice in January for a family death and then Covid. Delicious coffee, even more wonderful people!
@@BudgetGirl Sorry for your loss. Will do! Keep up the great work. You are an inspiration!
Sarah, I watched your first couple videos a while ago and pop in regularly to your UA-cam channel. There is so much sunshine in you in comparison to when you started getting out of debt. Good job! I will see you in the millionaire club
Thank you so much!!
Love this content Budget Girl! So glad I found your channel :DD
I'm thrilled you did too! Welcome!
Thank you Sarah 👍 Very interesting and enjoyable to watch. It was like a description of you 😊 You're an example and inspiration too 🌟 Cool sponsorship and endorsement as you love coffee 😎 I appreciate you putting this together 👏 Reporter skills 🙌 Emergency funds are such peace of mind ☮️
Thanks sandra! I Hope you're well!
I practice almost all of these habits! Feels so good!!! Investing in real estate is a practice that I'd like to become more comfortable with because I can see the excellent income that is possible from it. Thanks for sharing your knowledge and all that you do! So glad I came across you channel and found your tracking sheets. You rock! :)
Ah...I tackled this same subject from the perspective of after I applied these habits I became a millionaire...so cool :-)
I love your channel!
I find it incredibly difficult to find like-minded folks. Most people I meet do not have an interest in personal finance or wealth building, not actively. So I am very thankful for resources like YT and Budget Girl to help me find 'my people', even if just online!
Would never choose to be an early riser either 😒 but I do embrace reading, an EF, investing and spending from values
sounds like a lovely life well spent!
Hahaha!! That comment about not getting up early made laugh, love it!
I agree with you on these habits.
My car is a tool for transportation and cargo - it gets great gas mileage, too.
Investments are fun! I love watching my money grow.
I listen to audiobooks about monetary growth. And I LOVE history books. ♥️
My budget is key to savings.
I don’t shop for entertainment.
I learn so much from others, like you, who make getting out of debt and monetary growth their goal!!
Thanks for sharing!! all that is so fab!
Sarah, I have been following you for a while. Even though I’m considerably older than you, you have given me wonderful tips and been sooo inspirational. I’m looking into more passive income ideas. It seems like the Internet is just overloaded though. I might have to check out Rachel’s book.
I’m just starting out as a health coach (recently certified) although I know it’s not passive, it is my passion if ever you’d like to connect 😊 Also, I’m totally NOT a morning person!
Thank you for your videos and keeping it real ❤️
thank you for watching!
Start contributing 10% of your paycheck to your retirement account as soon as you get out of college, at age 21, and don't stop until you retire. Do not ever touch this money or borrow against it. Also buy Toyotas, pay them off asap, and drive them for 20 years. Lastly, buy a house asap so you make yourself wealthy, instead of paying rent to a landlord to make them wealthy.
Side note- not sure if it's the lighting or simply that I haven't popped in to listen to you for a bit as I've been busy, but that hair color looks fab on you.
I found out last year that $1000 was not enough for my emergency fund, so this year I’m going to try $2000 and see if it covers my emergencies.
you'll never know until you adjust it for what works for you! good job!
Whenever I need a positivity boost, I watch a couple of your videos. You offer great advice for all ages and all income brackets. I started following you after your Debt Free Scream. I went through every video you created. Loved the grocery shopping ones, and your emergency 'go-bag/kit' video too. I retired in October, and not getting paid every two weeks is a different experience. We aren't hurting for money; it's just adapting to a different lifestyle. I am learning that I might want to dip my toe back into the job market. More for expanding my retirement nest egg, and for a bit of fun money. I'll see how this summer goes before I make that decision. Please keep up the uplifting videos. After the past couple of weeks, this world needs them.
❤️❤️❤️
Thanks for sharing your journey. It is inspiring, and it helps me keep on with my journey.
I'm so glad!
Basically what you said, but to me it boils down to: Live BELOW your means and invest the difference between what you bring in and what you spend in sound ways, not "get rich quick" schemes. I agree with other commenters to automate the process, save/invest more as income increases, etc., so it's consistent, hopefully increases over time, and you're not even tempted to spend money beyond your needs and true wants. True wants = not just impulsive wants or the Joneses' wants.
well said!
One thing we do is we have automatic bill pay.as soon as our benefits hit,our bills are paid.done.simple.no stress on did the bill come in time.no worries of oh,we can't pay it. it's done.worth looking into
Same with savings.automate.you never saw it, you didn't miss it.
Avoid lifestyle creep.
If impulse shopping is a problem, delete social media.online shopping sites.emails.stop junk mail.do not save payment method.make it nearly impossible to buy junk items.
Shopping.spend money you don't have
Buy crap you don't want
To impress people you don't like.
Sarah, this is my very favorite video of the week. I know you will get to be over 100 grand this year. BTW, how do you like to drink your coffee? I wish I could say, I like black coffee, but I like the sweet stuff.
I'm a creamer girl! Maybe some whipped cream too :-D
I had a good laugh when you said that if getting up early was a requirement for becoming a millionaire, that you were not going to make it 🤣🤣🤣🤣. I need to educate myself about investing in the market, I have 2 rental properties, one is costing me money this month 💸🙄 and no debt, but money sitting in a savings account makes me zero money, I need to change that. Great tips thanks 👍😊
Check out my community tab - there is a FREE investing for beginners workshop tomorrow! You should totally sign up!
Great video budget girl. Loved the content.
Glad you liked it!!
Loving the green background
Love the new background
nice to see u again, u disappeared from my feed. Glad things are going well for you. Wishing you WAY more subscribers ....... time for people to get there $$$$$ in order.
Great info
Wonderful video, thank you!! 🤗
Glad you enjoyed it!
Glad you enjoyed it!
Love the video background!
Yay! Thank you!
That coffee looks awesome unfortunately they don’t ship to 🇨🇦 😢
I wouldn't be surprised that your duplex is worth a bit more over the last few months.
Also, didn't you pay down about $500.00 on principle? I think I noticed that the duplex dept on your spreadsheet was the same as last month.
Spot on!!
thank you!
I started saving all of my Colas, and I plan to apply that money to my Roth IRA. I need to get more comfortable with investing in the stock market. I really don't know that much about it. Does anyone know much about M1 finance,or Acorns?
Do you keep a rolling quantitative assessment of a monthly cash on hand total, or some type of total that accounts for money that couldn’t be affected by a fluctuation in market prices or by loss of a physical asset?
Yes! I have a net worth tracker that logs all account balances. You can see how I use it in my monthly budget reports or even buy one in my etsy shop. I highly recommend it for seeing a birds eye view of your finances, trends and motivation!
Great job.
Thank you! Cheers!
Thank you for the information! I am contributing to my 401k and want to invest more. Who/what do you use? So much info. Out there. Some people say use robinhood and I turn around and someone else says oh don’t they are horrible? So knew to this any tips?
I would do your major investments at a large institution like vanguard, fidelity or charles schwab and invest in a/ some index funds. I do VTSAX. I have single stock accounts for play investments for a few stocks. but I wouldn't use any new apps for my retirement. You can check out my budget and net worth report videos if you'd like to see my full breakdowns!
@@BudgetGirl thank you!
Before the the video started, I was like, "don't say get up early". Please don't say it. I'm not a morning person.
NEVERRRRR. :-D
I wanted to invest in Crypto but got confused by the fluctuations in price.
🙌🙌🙌🙌
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