How We SAVED $100,000 Before 25 | Our Best Minimalist MONEY SAVING Tips + What We Did 

Do you have any savings goals you're trying to reach? What are they and what steps are you taking to reach them? ✨ P.S. Whatever they are, know I'm cheering you on! 🎉

Saying no to alcohol is such a huge tip for saving money! As someone who grew up surrounded by alcoholism, I saw the people I love spend $50-$80 a day on alcohol and I live in an area where that would be seen as normal. Hard to stray from the norm, but it is definitely necessary

I love this. I wish I saw this when I was 25. Also, a huge tip is to make sure you marry someone who has the same money mindset.

What a such helpful and necessary video, Ashlynne! Thanks for always giving such incredible tips! ❤️

I am so glad you made your channel. At your age I was in the opposite direction and had to fix, fix and fix in my late twenties. A lot of people do not see the value in setting up your future. I see it as being a manager of the life God has blessed us with. I always believed it in faith but it takes a whole new meaning when you go from poverty and needing provision. Then to having your heart give to others so they won’t need. This is the first video I have ever seen on your channel and had to say, I am happy for two! 👍🏻😊

By the time I was 25 I was a registered nurse, was married and had two small children. My life was going ok until I had a catastrophic accident when I was 38 and then I lost everything, job, savings and house - unfortunately somethings in life cannot be prepared for no matter how you save. It's good to save but live your life as well.

My husband and I are hoping to pay off our mortgage early. These are spot-on tips for today's time that you listed! I find that over time, exercising the counter-culture muscle gets stronger.

I don’t understand all the negative comments here. If you don’t find this helpful or inspiring, move on to videos about how to make a million dollars FAST! She is giving you her experience so you can be inspired and figure out how you might apply it to your life. She is putting herself out there. Nice job, Ashlynne. While you have, admittedly, had advantages others may not have had, you’ve made a lot of tough choices that others won’t make and will instead blame on this or that. I am 60 and while I did have student loans, I could have made a lot of better decisions that would have put me in a much better financial situation now. But, it’s never too late to implement a lot of your suggestions now. Great job! 🌷

Focusing on the big 3 expenses such as housing, transportation and food in our survival/optional categories first was key to our success as well! Great insight and advice Ashlynne!

I am 26 and just started my career. You inspired me to save from the first paycheck itself. Love these money-related videos. Keep them coming. ❤

Watching this and being lower-middle-class lowkey makes me kinda sad lol. We don’t even make 40,000 in a year and we’re lucky if we can even save 100-200 a month. Who knows, maybe we’ll “get there” one day but even being debt free isn’t always possible when, say, you need a car now but would have to save a year or more in order to even get even just a beater car.

I work as an illustrator and I'm specializing in art within the local car community. I find that my car is a huge staple for my business, and after crashing my old one, insurance made it possible for me to have my car completely paid off. I was previously stuck in a horrible car loan, so I think the biggest lesson I learned was never to finance a car. It seriously impacted my ability to rent an apartment, thankfully once I got out of the loan, life got so much easier in that regard. One thing I wanted to mention was that since cars are my passion (and an expensive hobby), I've been thinking for months on modifying my car. The modifications I want are around $7k+... This video really helped me reconsider, haha. I already do have my dream car... I don't think it'll benefit my business the amount of money it'll cost to grasp the attention to it with the car... Hm. My income isn't too great, but between me and my boyfriend, we definitely could use to work as a team more. I know he's going to keep modifying his car, and refinance his car loan too. I just wanted to say this really helped inspire me to maybe make savings more of a priority with my boyfriend, so we can work as a team to kinda meet in the middle. Maybe cut our car modifications down by half or something, idk. Thanks anyway, sorry this is so scattered

I love watching my savings go up! I don't have any debt, either.

Really appreciate your honesty and openness in this video! This is impressive and inspiring with some good advice 👍

you're such an inspiration ashlynne

Thanks beautiful Ashlynne🌸 what a fantastic video. You're very clever and I hope that you save even more money. Well wishes and best of luck 💕😘

Can't believe you are not 25 yet. Amazing job you guys done at this age!

Living minimally since 2018 has helped me a lot to save. It became a habit to me to say no to things i don't need even if I can afford. Until now at 28, I don't use things to impress people.

My favorite kind of videos on your channel!! ❤️❤️❤️

We’re debt free too! Working on the mortgage- 1/2 way there! We’re only 33/34, but I wish we had started younger! Looking back, There is so much we could have gone without if we had a plan and we would had been just fine ! Great job!

Thank you for sharing your journey! Honestly, I would love to meet your parents and Christophers. The people who raised you because they are phenomenal. It is incredibly difficult these days at least in the area I live to find young people this goal driven and mature as well as future minded at such a young age.

That's exactly how it works! I was married and we had two full incomes. But we made debts instead of savings. After I got divorced and unfortunately became disabled, I really had to overthink my financial situation, because I owned two cats and five birds which had to be fed, too. And you know what? I developed the same techniques you did ( adapted to my personal needs) and now my depts are all payed off and I start building up savings, although I can't work full time anymore and I only have this small income plus some social money (I live in Germany, different social system than USA). My new minimalistic live is so much better than the life I had before. I never thought that! I love my tiny little apartment, a capsule wardrobe is sooo uncomplicated, simple, fresh, selfmade meals are so delicious and healthy and going by bus and train has many more advantages, than I thought!

Thanks again, Ashlynne, for a pleasant and informative video! Your gentle demeanor makes viewing as soothing as a cup of tea, and your information is a key in the ignition for simple living. This video in particular I'll be sharing with my young adult children; maybe they'll follow in your footsteps! Christ's blessings to you and Christopher on your efforts to help others!

We did and do all of this. I think the biggest problem these days is that people just cant wait. They cant wrap their head around to save for something for months or even years - instead go out and buy the next shiny thing they can afford now and have that instant gratification. I know so many people who bought cars they cant afford to keep up and have less magical living situation than the car would suggest.

Loved this! Thank you for sharing🙂

"Here's the philosophy of the rich and the poor. Poor people spend their money and invest what's left. The rich invest their money and spend what's left. Think like the rich--invest your money first, then spend what's left."

Extremely relatable!

I love that this is super practical 😁 I appreciate this as a married broke uni student

Amazing story thanks for sharing the knowledge 😀

Hi Ashlynne! I’m your subscriber from the Philippines 🇵🇭. I like videos like this. More on this please. 💕 PS. You are inspiring and lovely as well. 😊

Grea tips thank you! Everyone your life is special and unique and you do the best you can. Don't compare your life is enough and you are more than enough and worth more than any debts or saving up enough money.❤️ I try not to buy things I think I need ita so accomplishing and reminds me the life God gave me is enough.🙏❤️😊👍 With God we lack no good thing. So good to save money and have wise habits and beginning these habits for sure . I'm thankful my husband and I were able to be married young too while still in school. We are working on hopefully having a down payment for house in 1 or 2 years and working on paying off student loans. With God anything is possible! 🙏❤️

Doing the Ramsey way! I love to see it :) thank you, this video was really encouraging and helped me see that I am on the right track. I have about $4k in savings, some in a 401(k), and $3k in cash, I'm currently working on paying my debt down as fast as possible. Once I'm done there, my savings goal is $10k before I start actively investing and maxing out my retirement contributions. In order to do so I'm avoiding excessive spending as much as possible (but I do budget in some "fun money" and for pre-planned trips), reselling things on Mercari, and I have several income streams.

I love you calming!

You remind me of me , got married at age 19 and started off with 2k each total of 4K I am now turning 40 this year 3 kids later And I have to say it start early saving as early as you can . I now own a house over 1 million and two condos I’m trying to go more minimal now that’s how I saw your Chanel and it’s helped so much to simplify I wish I had learned this sooner but it’s never too late .

great video!! super motivating video

In Greece, where the salary starts from approximately 500 euros per month and most people earn 500-800, you can bearly cover your basic needs...

You are really a great inspiration 😀

Where did you get the bookshelves in the background!? They are so freaking cute!

To anyone getting depressed watching this: its probably because you are comparing yourself to her and believing the myth that everyone begins at the same starting line in America. Economic inequality research has shown time and time again that this is not true. Socioeconomic factors which contribute to where your starting line is are varied and complex. You're not "behind" or lazy. You just can't control where you started - only where you are today. Just remember that there are always underlying social advantages and privileges that go unacknowledged in anecdotal and subjective perspectives given in these tone-deaf videos. All her concepts are repackaged Dave Ramsey ideas. Her ideas are not unique. You can't "bootstrap" your way to this ideal. So relax and remember: the middle class mindset fears debt and sees money as something to be saved. Wealthy people have a far more nuanced view of debt and see money as something to be invested - in opportunities that give return. Your weekend cocktail isn't the thing to blame - there are countless sociological factors that contribute to your financial picture today. You are more than your account balance.

For me my goal was to get a vehicle. I didn't do it with cash and it is newer than I expected. However, it was the best option for me and is helping me with my credit and I did put down 25%. I was able to do this saving just for during the Summer and reducing my expenses. Pretty much everywhere that had nothing to do with my pets

This is really nice to see such straightforward principles at work. I’m newlywed and we’re doing these things (found the lowest cost possible safe rent to cut the biggest costs first) and it’s exciting to see where they can go. You did a video earlier about saving your 60k for your house that was great too! Did you build your 25k savings fund first before saving for the downpayment or did you start growing the 60k alongside of building up to the 25k? How much was your savings account at when you shifted focus?

This is a wonderful and probably ideal position for a lot of people, but for me and countless others I know, definitely not even possible. I hope people aren’t comparing themselves as I’ve found myself doing. I’m 44 and single, chose a career as a youth worker which is not well paid in the UK but I did it because that was where my heart was. With Uni dept and rental prices in London, I’ve never been able to save as a single person. It can be so discouraging sometimes. Moved to my parents due to Covid but only managed to save for a second hand car. I’ve also learnt that having parents that teach you about money and savings is so helpful as I made so many poor decisions in my twenties.

Good job guys 👏🏾👏🏾👏🏾👏🏾.

This is really realistic. Thank you for sharing.

Great video!

I‘m only 20 myself, but I’m really grateful for this video, because I believe the earlier you‘re more conscious about your money the better. ^^

Inspirational!

Wow great job!! Your house and your town are so nice. I am trying to save as much as possible, but life has become a financial burden lately with prices rising so high.

That’s so awesome you were able to get such a good deal on rent in Charlotte!!🙌🏼 was that something that was advertised, or did you propose that deal to the apartment manager?

Yes yes yes to secondhand!

Your both very sensible ❤️

I love this, thanks for sharing! My husband and I are working on minimizing our life, which is hard with a toddler and a baby on the way (due on my birthday in October). This is our last baby though, then we plan on saving up for a down payment for a house! I love watching videos about how other people do it. Growing up we didn’t have much, and my dad is a big spender so my mom was never really able to save any money. I’m hoping to change that for my kids, because I definitely picked up habits from my dad with regards to spending money. 💕

This was a really helpful and insightful video, thank you! Never had savings before age 22, and now I'm planning a future I never thought I would :)

Very impressive!! You guys have done so amazingly well - wonderful accomplishment! So good to be money-conscious from a young age. Totally agree with the tip on not increasing lifestyle as income goes up - I've followed that philosophy for quite a few years now! Every time I got a raise, I'd just increase my 401k contribution % so I never saw any increase in take-home pay - pretty easy! (And I'm the same way as you guys when it comes to alcohol too - it's just not a big deal to me, and you save so much by abstaining! :-D)

That's a very interesting video, although it-s really hard for me to grasp this... Living in Switzerland, sure, you may save money by i.e. not drinking alcohol, but the same amount of money or actully more, will go into i.e. buying train tickets to get to the mountains... How can you save money then, if you value nature surroundings, you love hiking etc? It would be great to hear about your hobbies and how you navigated this :)

I think people need to realize that its not just "saving" money, you need to invest it. I'm glad you mentioned the breakdown of where you keep your "savings". I think the better term would be savings and investments! Saving and investing are different things and I think a lot of people are scared of investing and only save. But you lose money with inflation if you only save it in a bank account. The money needs to be invested! A Roth IRA is a wonderful place to do it! Good advice and tips on how to make saving money a priority.

Where do you get your plants from

i love walking out empty handed in a store i feel accomplished

Imagine having 5,000 usd in savings by 20 lmao. I barely had 20 usd at that age.

Well done 👏🏻

Happy Labor Day Long Weekend, Ashlynne!❤️

Inspirational.

what about school debt??

Good for you.

I have a question but it may be too personal… How much of a down payment did you put on your house and how much do you pay every month

Wow we spell Coles like this in Australia and it’s mostly food!

Lovely video, very inspiring :D when I saw the title of the video I felt jealous, but when I watched the video I was actually very inspired, because of your honesty and sincernes! And also I have a question, I know that you are a christian, do you pay tieth to the church? Cause it used to take a huge amount of money from me so I just wonder if you do it :)

Congrats and God bless 💗.

Love this and very insightful! P.S. I'm an October baby too

Lots of love life and laughter for this kind of wisdom❤️

Did I hear that correctly? How did you get a $2k apartment for $600? What events?

I have one suggestion. I’d increase your personal savings. $25,000 sounds like a lot and it is however owning a home is expensive. About 4 years ago the water line had a root from a tree mess it up. That cost us several thousand to repair. Most people falsely assume the city will pay but they don’t. Then we needed a new roof. $9000. Then a new washer/dryer $2000. Bam!

i am finished my car loan yesterday, feel relieved, now i'm debt free in 31 years old, luckily i have study loan and car loan only, thank you for great contents🙏🏻 saving more✅

This just made me feel less than for not doing the same or having the same opportunities.

Wow that is great! Great tips so thankyou! Sadly I do live of a student loan (but it does allow me to live on my own and not be dependent on my parents) sadly dont have the time for a job either so Im just trying to save with what I get 😅😂

im trying to keep close eyes on my expenses bc i just got an amazing. paying. job n im scared of lifestyle inflation

Ashlynne and her husband made more per year at the beginning of their marriage than my husband and I make now. And we're 6-7 years older than they are, and we have 3 kids, lol.

Very inspiring video! How did you pay for the master's degree? If I may suggest - finding a job with a company willing to pay for school worked well for me. I worked full time and went to school part time. Highly recommend for anyone seeking additional education without the expense. A surprising number of companies and educational institutions offer this benefit. Thanks for your content!

Save,give and live a fun life that God gave me .A lot of people save save save work work work but never had fun next thing they know they’re too old to do fun things anymore .Balance living is the key.

Wow. WOW.

24 & masters? What🤯🤯

Can you explain how you were able to get a $2k/mo apartment for only $600?

Just curious was your internship at camino community center 😂

Lol I’m 23 and have 50000 dollars in student debt

Did you spend a significant amount on your wedding? That's a huge expense for most couples.

Smelled like weed. 😂 My husband and I had a similar start, we’re just a little ahead of you just hitting our 30s. I LOVE your table! I use Marketplace all the time and the best part is that when life changes you can resell for basically what you paid!

I mean this really isn’t hard to understand…they had no debt to income ratio. No debt, little overhead expense and making 40-80k over 3-5 years =dedicating all your extra money to savings and investments. The logic behind all of this is super great for younger people so kudos to them but for a lot of people this isn’t really a thing lol most people have debt and very stagnant income. Good on them though!

I mean I didn't even earn 100000 dollars before age 25 and that was with a job next to college jfc

Wow we had NO savings when married.

Wow... 😍

Weird question, do influencers pay taxes on the products they are gifted?

My question is , did you or were your required to help out with bills when you were working when you were HS or College ? Because some people have a hard time saving because they need to help out at home. Sad reality. We live in the same ocean but not on the same boat. May this video encourage more people to save and may more people be inspired by this vid

👍

We were doing well until children and maternity leave/childcare costs hit so you're very wise to be saving at this stage in case that's the plan for the future. Here in the UK, childcare costs are £50-60 a day ($70-80). That soon wiped out the savings although I don't regret taking the time off etc. Now my second is about to start school hopefully we are finished with those major costs. Best of luck to your - your channel is certainly helping me declutter and be happy with what we have ☺️

*I don't know who needs to hear this but stop saving all your money, invest some of it if you really want financial freedom*

No student loan debt is a big one. That’s killed me.

Next "how we saved a million"

“I’m ѕυвѕ¢яιвιηg тσ єνєяуσηє ωнσ ѕυвѕ¢яιвєѕ тσ мє αη∂ ℓιкєѕ тнιѕ ¢σммєηт”🖤❤

🖐🏼🙂

Can some one explain to me how she GOT A 2,000 APARTMENT DOWN TO 600?