So you pay yourself first, pay your duties from the left over? I can't get my head around that. I can't see how can I convince a bank or electricity supplier to accept only 10% of my bill, because I'm saving up, and don't wish to pay the full bill this month, or any month at all. They just going to say, it's OK? Because this what paying myself first means. It's a must, food for the kids is not.
@@Shaara1I have found that when I take out $ from my paycheck first I still spend what’s left but I do end up saving. If I were to get everything I would just spend it all. Of course a lot depends on ur initial pay.
@@brianchesler8238 I agree. It's human nature. People's spending levels is highly based around how much you have. Very few people spend 100% of their income on non-discretionary necessities. If you take the "save when you can" approach, you almost inevitably will have less saved than if you take it off the top and then work your budget with the remaining funds. A person mentions a utility bill. However, if you had 10% less from the start, you probably buy a house that is 10% smaller and has 10% lower utilities and now can pay your bill. People adjust their spending to their available funds. The best way to save is to do it upfront.
00:00:00 - Intro 00:00:30 - Tiny Habits #1 Gratitude 00:01:04 - Tiny Habits #2 Set up Auto Transfer 00:02:12 - Tiny Habits #3 Batch Time 00:03:24 - Tiny Habits #4 Dollar Cost Average 00:04:42 - Tiny Habits #5 Eat the Frog (do the thing) 00:05:57 - Tiny Habits #6 Write down your goals 00:06:42 - Tiny Habits #7 Use Social Media Intentionally 00:07:45 - Tiny Habits #8 Learn to Delegate 00:09:03 - Tiny Habits #9 Go outside get some sun 00:09:39 - Tiny Habits #10 Go through your spending once a month 00:10:42 - Tiny Habits #11 Create a Why I'm awesome file 00:12:02 - Tiny Habits #12 Make a Shopping list before going to supermarket 00:12:56 - Tiny Habits #13 Automate life where ever you can 00:15:13 - Tiny Habits #14 Listen to Money Audio Book 00:16:11 - Tiny Habits #15 Have lunch with at least one new person each month 00:17:45 - Tiny Habits #16 30 - 30 Rule 00:18:39 - Tiny Habits #17 Reach out to people 00:19:55 - Tiny Habits #18 Do something that makes you happy 00:20:58 - Tiny Habits #19 Use free time wisely 00:22:07 - Tiny Habits #20 Check your Net worth
I keep wondering why they don't put such content in the education system 🤔. Start them early and poverty rate will decrease. Thank you so much for those golden nuggets that truly make a difference.
Stop and think for a second if they do this no one will want to work at a sweat shop 🙄 or make other people rich by working a JOB! NOT A CARRIER 🤔 by having a JOB people lose themselves and forget about their dreams, all of these things or orchestrated this way only the people that are tired of living a empty life and being broke and living from paycheck to paycheck and that are tired of being in there comfort zone, trust me there is nothing in there take it from me 😂😂😂😂 long story short you have to want it bad enough for yourself then teach your children and your family and your friends and different people you meet, only the ones that need your help and you will know who they are, as the saying goes don't cast your pearls before swine or else they will turn and tear you to pieces 🙏🙏🙏🙏🙏 bless up much love.
Great teachers do teach, yet often times they never learned themselves so how did they teach it! It’s been years of the government, not wanting us to be financially literate so they can control us easier and have mindless workers. Sad.
@@Bossmamaala- And so many learn too late that this COULD have been taught. Hope this changes in future. On the other hand, they’re telling us that AI will get rid of most of our jobs…
Research studies shows that personal finance is 80% behaviour and only 20% head knowledge. Changing our mindset to focus on the head knowledge, the greater our wealth generating will be..... follow the 20 tips is a great start. 👍
For me the 3 most helpful tips here are #1 Gratitude (I am grateful for my health and Rose’s channel😊) #2 Auto transfer - set it and forget it, #4 Dollar cost average - it’s tough to time the markets. Everyone seems like a genius AFTER the fact, before something happens in the market, they are not so smart. Thanks Rose.
It also helps to remember that September can be considered the “doldrums” and sometimes the August before it. A little adjustment at that time might be useful. You might want to buy a little bit more at that time.
This is great. The only thing I’d add is to change companies often vs seeking raises. In my experience that’s the best way to get significant pay increases.
I’m listening this podcast in the morning… I feel exhausted with her speech tempo (just like sprint 😂), so I try to reduce the speed from normal to 0.75… boom! Now I enjoy listen her 20 tiny habits…
i'm so grateful to have discovered your channel. what you say feels organic and genuine and i appreciate your sense of humour! i like that it feels achievable and that i don't have to completely reinvent myself and manifest a lifestyle like you mention. i.e. waking up at 6 AM everyday, etc. you mention personal growth in another video and eliminating toxicity in relationships. this is something i struggle with, including the toxicity within. i have lots of ideas and have been able to manifest some of them over the years (sometimes successful but definitely losses along the way) but my downfall has been that i'm easily influenced and discouraged. i feel like i've lost a bit of that drive over the years but your videos have re-ignited my ambition. i have so much work to do and it's been so long since i felt like i can conquer it but i feel like i'm ready. thank you so much fro these videos. you are a positive force the world needs..
Appreciate your continued dedication to helping average folks try to build wealth and not get rekt in the process, I love your confidence so keep shrugging off the naysayers. Your experience is clear and I look forward to your pragmatic and bullish viewpoints in a world that’s increasingly easy to get caught up in the constant negativity and bearish sentiment.... Long & short-term trading is generally safer, allowing investors to weather market volatility. I have managed to grow a nest egg of around 100k to a decent 432k in the space of a few months... I'm especially grateful to Evelyn Infurna, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
I absolutely love “why I am awesome file”. I am so happy you are posting regular content on here and IG stories. I listen to your “rich era” every morning to give me a boost. I am going to credit my millionaire status to you/this channel.💐🌼💕🙏🏼🙏🏼
Aristotle believed that 'We are what we repeatedly do. Excellence, then, is not an act but a habit.' Small, consistent actions build the foundation for success. Focus on the tiny habits that align with your vision, and watch them transform your life over time.
Social capital wow! So true! As we get older our time seems so limited and it’s definitely a lot more challenging. We do think about our loved ones, and you’re right why not take that extra step to let them know we are thinking of them! Great content as always Rose 🌹 Thank you!
The biggest thing we did to change our financial life was to get out of debt. We sold everything we could, cut out anything extra, tightened our belts for 2 years, and negotiated payoffs for all nonsecured debt. Then we started over, smart. Babysteps work these 20 things come after.
Great video! I'm stuck on #19... I have decades of leadership experience but unfortunately, what comes with leadership is you typically have someone (or in my case multiple admin people) do all the little things for you. I find it daunting to have to learn these skills to simply launch a RU-vid channel or IG page to generate income (or similar skills). I've gotten so used to "big picture/high level" thinking that I seemed to have forgotten the basics. It feels overwhelming.
just recently i have been using my free time to gather information and inspiration from people like you. thank you so much for sharing these things! it's soo real and helpful.
Max out my wife's roth IRA...plus she'll have a teacher pension (hopefully). I put 15% into my TSP(401k), max out an HSA and will get a fed govt pension. It took us 10 years to get close to debt free, but we never sacrificed investing during the time we tried to tackle the debt. Glad we never stopped our investing.
I’ve had my head in the sand for the past few years and it has finally caught up with me. Now I’m $90k in debt and filing for bankruptcy 😔 You’re tips are 100% what I should’ve been doing this whole time. 😤😭
Thank you... such great information.. I was diagnosed with two chronic illnesses last December and it has swerved my business plans massively and I'm having a hard time coming to terms with the reality of it... but I feel so positive after listening to your video.. some of those tips, especially the decision fatigue and the routine eat/wear/do ones can totally buy me some more energy back for putting into my business goals!!! Thanks again!
I don’t know your situation, but this is also a great time to learn more about how people are reversing their chronic illnesses in more natural ways. RU-vid sensors a great deal but I have to admit there’s a lot of good material out there anyway. A lot of chronic illnesses aren’t responding beautifully to the carnivore diet or the ketovore diet. Dr. Anthony Chaffee, MD, Dr. Ken Berry, MD, Dr. Shawn Baker, MD, Dr. Thomas Seyfried, MD, dr. Jack Kruse, MD, Stephanie keto person (experienced coach with a vast amount of knowledge for the keto approach), Darko Velcek has the most practical and inexpensive way to rehydrate that I have ever seen and it works like a charm, and a helpful eating plan that addresses so many issues in the body. JJ Virgin on inflammation/elimination diets to discover it that are not as strict as what some of the above mentioned doctors recommend. You would be astounded at the list of conditions that are vastly improving though. I hope some of these resources are beneficial to you, and if not, blessings, and I wish you the best on your health journey.
Such a good girl you are 😍😍 .. love hearing others thriving!! I to got rich with investing , anyone can do this with smart decisions, get outta that rat race people and live to work....not work to live 👏.. im 35 and live completely off my dividend portfolio!!! U can do it to
This was one of the most complete and comprehensive approaches, in achieving an overall state of balance, in living a most harmonious and productive life. On the most general and simplest of terms.Thank you🌹🖐️😊
I found I could skip the list and save a ton of money by ordering groceries and having them delivered. I can set my budget and plan my meals and add stuff as we run out throughout the week. Go through the cart and pull stuff out til it fits your budget. No impulse purchases and I have energy to organize it when it gets here.
I love how all these “influencers” are so disconnected with how grossly behind 98% of folks are in order for this video to actually be of any use. For these tiny habits to be useful, they are being propped up by a foundation of education, safety, security, shelter, growth mindset, privilege, and money. She’s talking about waking up and being grateful, meditating, food prepping, and dollar cost averaging when 98% of people are worried about their next paycheck, eating top ramen, worrying about having shelter next month, and crushed by a mountain of soaring debt. This video needs to do a hard rewind on the hierarchy of needs and realize that this video is speaking to a very small % of people mostly in big metropolitan cities.
Her video is about getting rich. Maybe you should watch some other videos closer to the topic you're speaking about. Like how to stop living check to check, or how to make more money and get ahead.
I just called the lady who help me with my washing to come do it after I got off the phone her a few minutes before watching this video telling her I was going to do it myself when she called. 😅Thank you 😊
There are base things that I buy at Costco -my single source olive oil, My basmati rice and massive jar of chopped garlic etc. and then there are lots of interesting cool and tasty things at Costco, which I only buy when they are the loss leader. I remind myself when I see something that I really enjoy that sometime during the year it’s definitely going to be on a loss leader and I can stock up on it then. That keeps me from buying that item at full price and keeps my budget nice and low
The only thing about eating the same thing over and over is that can impact your gut microbiome. Maybe having even 3 different smoothie combos and having a rotating schedule like smoothie A on monday and thursday, smoothie B on tuesday and saturday, and smoothie on C on wednesday and sunday, and something different on fridays that isnt a smoothie or do some fasting instead. Would be a bit better than the same smoothie every single day for months on end. Diversity for your gut is good.
thanks. I’m doing a side hustle that will be applied to debt but I feel better knowing I’m saving a little at least. The interest rates are mid-teens or lower.
Would you recommend saving and investing at least a little while I pay off my debt? It will take me 36 months. I am already retired. I hope to pay off my debt sooner with a side hustle but my question is do I save/invest while I retire the debt?
That will help in how you feel overall, but way out the debt interest versus the investment although investments do need time 😊 Yes not a straight out answer but giving you room to decide
Actually the term has been around for over 100 years. It is an idea that is most often attributed to a quote by Mark Twain. Brain Tracy just popularized it in today's world.
@18:00 You should start intermitted fasting and move in the direction of a more Ketogenic diet.. saves you a lot of trouble in this area.. I'm usually at my clearest when I dont eat
Thank you for all these great tips, I understand now why I don’t achieve any of my projects 😊 but this video really inspires me to change. And if you’re looking for “someone new” for lunch, let me know 😊, thank you though
Hey Rose Han what are the benefits of you investing a certain amount of transfer to a index fond each month? I know its very good to invest in indexfonds and stocks in general. The more you invest in a indexfond, the higher yield you will get when they release yield?
Thanks sis for the points. I will add something to number 10, look at your itemized bills, you will be surprised about weird sneaky fees that can be avoided. Also looking at your credit card statement, you can watch out for unauthorized purchases. I see this from restuarants now, adding automatic gratuity even after you still.paid for it
Currently at tiny habit #4. What are the index funds you put your money in (if you’re ok sharing them)?I have a fidelity account and have a couple of index funds I put my money in, automatically every month, but I believe I could pick better index funds.
Your videos were great!! I am one of your viewers and have been watching your videos lately. I would like to invest, but I still can't find the right investment to commit to. I will appreciate any help here.
Thank you so much for your video. Hands down, one of the best 'Habits to make you rich' videos. Most of the time they are not worth your time. Great content, great explanations!
