Why Net Worth Skyrockets After $100K

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Why the first 100K will explode your Net Worth and how to get there faster
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TIMESTAMPS:
00:00 Net Worth explodes after $100k
00:45 The first reason: Scale of Capital
01:42 The second reason: Compound Interest
04:01 How to save $100k faster. Tip 1
05:22 How to save $100k faster. Tip 2
🧡DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
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Опубликовано:

27 май 2024

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Комментарии : 1 тыс.

@Farmwald853 День назад

As a person and professional you couldn't get any better than vivian jean wilhelm is a very reliable person and an excellent professional in the IT field. She is the type of person you want to work that's passionate, hardworking and knowledgeable. You’re The Best 100%

@funkyfragrancelover2979 Месяц назад

The trick is to not allow for lifestyle creep. Normally most people end up buying more things and expensive stuff the more money they earn. If you keep to a modest lifestyle, limit your outgoings and resist the temptation to buy luxuries and flashy things you end up saving a ton of money longterm.

@ZachGH1 Месяц назад

This is exactly it - after housing, the 2nd biggest expense is usually a car. Unfortunately, some people feel the need to be seen driving a "nice" car and going on holidays 5 times a year. Absolutely fine if you've got disposable income, but in reality most don't. It's mental to me someone on an average salary would spend £300-400/month on car, and usually it's a unreliable piece of crap that'll depreciate like no tomorrow. If you get made redundant and you've not got much of a cushion, you are bloody forked

@UniDeathRaven Месяц назад

+++++++

@funkyfragrancelover2979 Месяц назад

@@ZachGH1 cars especially. I still drive a 18 year old car. It’s ULEZ compliant, never broken down, no rust and annual service/insurance is cheap. I have the funds to buy a nice brand new one in cash but since I use public transport most of the week I can’t justify replacing it considering it has zero faults and fits my needs.

@ty194 Месяц назад

@@ZachGH1Even one holiday a year is too much. You have to be prepared to go 5 and if you're really serious 10 years without a holiday. While doing that, completely clear down your debt and live well within your means. If people did that, they would be shocked by how much disposable income they have to invest and how much their lives completely turn around in that period of time.

@stevegeek Месяц назад

Exactly. But many (I would say most) people don't have the mindset or discipline and as soon as they have a bit of money saved, feel the irresistible urge to spend it on stuff.

@dipnayak7776 14 дней назад

The efficiency of this Abel Dorsey is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jack!!

@professormeow3399 13 дней назад

what?

@juggernautz 7 дней назад

@@professormeow3399 ditto!

@Elizabeth-mh2dj 11 дней назад

I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market.

@MablePauls 11 дней назад

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important.

@SirBenjamin-oq1wd 11 дней назад

The role of advisors is frequently overlooked until individuals suffer the consequences of their emotional biases. Recalling a couple of summers ago, amid the turmoil of my lengthy divorce, I found myself in dire need of assistance to stabilize my struggling business. This led me to seek out licensed advisors, eventually connecting with an exceptionally qualified individual. Through her guidance, my savings not only weathered inflation but also surged from $275k to $850k.

@Manselus-mn1mn 11 дней назад

Please who is this consultant ?

@SirBenjamin-oq1wd 11 дней назад

Just research the name Angela Lynn Shilling. You’d find necessary details to work with a correspondence to set up an appointment.

@Manselus-mn1mn 11 дней назад

I conducted an online search for her complete name and located her page. I sent an email and arranged a meeting with her; now, I wait in anticipation for her response.

@oficariargamerx 14 дней назад

Congratulations, Abel Dorsey I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.

@Amit_1204. 14 дней назад

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Abel Dorsey

@KavitaKumari-cz9kk 14 дней назад

As a person and professional you couldn't get any better than Abel Dorsey Brandon is a very reliable person and an excellent professional in the IT field. He is the type of person you want to work that's passionate, hardworking and knowledgeable. You’re The Best 100%

@poojakol9314 14 дней назад

Can't deny the fact that Abel Dorsey is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.

@Sameer-vp6fy 14 дней назад

It's amazing what you do Abel Dorsey We need a lot of people with your skills and set who have good intentions and spread lo

@user-ye1qo4er8z 14 дней назад

This is a great video I really appreciate the dedication in each video you post, I learn a lot watching your videos and it has always been helpful to me. Building a steady income is quite difficult for newbies.. Thanks to Abel Dorsey for improving my portfolio. keep up with the good videos.

@musemellow 24 дня назад

Compounding effect is the best. it took me 8 years to grow my retirement fund from $0 to $100k, yet only 4 years from $100k to $200k.

@michaellaviola3125 Месяц назад

why are all RU-vidrs making this same video with the same title

@jjustinmbirchb Месяц назад

yes! came to the comments to find this

@leonhenry4861 Месяц назад

i assume it's what people are searching for, so the algo has picked it up.

@michaelburton Месяц назад

Because everyone needs money

@ninetteenrique Месяц назад

It’s a simple and really important concept and worth emphasizing again and again. It’s what I’m encouraging my kids to do in their 20s, because if they get on the right foot at their age and pay themselves first through regular investing, then they will be sitting pretty in their fifties.

@toonarmy3870 Месяц назад

Gravy train

@geraldt331 22 дня назад

Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.

@JamesScott433 22 дня назад

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

@yeslahykcim 22 дня назад

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

@lucaswilliams9992 22 дня назад

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you

@yeslahykcim 22 дня назад

Laila artine kassardjian. You can easily look her up, she has years of financiaI market experience.

@brianwhitehawker1756 22 дня назад

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

@Intentionallivingwithjody Месяц назад

Ive just gotta say, Ive tuned into your channel on and off, and the growth you have experienced since starting your channel is absolutely incredible. With only 88 videos, and over 1M subs in 2 yrs, wow...massive congrats to you. Every video / short is packed with high quality value. Hope you have celebrated many times over. 🎉

@thesockdoctorr 19 дней назад

Being a woman and hot helps exponentially haha

@bryanwilson928 13 дней назад

I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks and made about $246k,but guess what? I put it all back and traded again and now I am rounding up close to a million

@JamesVideoCollection Месяц назад

Basically, stay humble and stack sats 💪

@korgond Месяц назад

Well said bro

@erikkreinbrink4160 Месяц назад

Yes. It's much easier to save when using the hardest currency ever devised.

@doylemichael Месяц назад

Stack S&P500 :)

@brianc9036 24 дня назад

This!

@andresencolombia 23 дня назад

yep. just buy the dip

@scottxgibson Месяц назад

Getting your first 100k is hard work. But this is doable by having a good side hustle and business. Worked for me 🙏🏻

@tomw485 Месяц назад

Or just having a well paying job and being frugal.

@SteveHasACamera Месяц назад

Getting 20 years of compound interest in 10 years, is the hardest bit 🫣😩

@scottxgibson Месяц назад

The quickest way to get their is through generating more income. Saving will take forever

@theofficialblackdirectory Месяц назад

Getting your first $100k is easy, but keeping or exceeding is hard.

@Craig121000 Месяц назад

That's because you live in London.

@Davidstowe872 12 дней назад

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

@Elkemartin213 12 дней назад

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

@lilfairycupcake 13 дней назад

rather than a number, 100 represents now you know what you are doing. having the game figured out is the most important thing, once it is obtained, easy sailing.

@MrGriff305 21 день назад

This obviously is assuming you're willing to risk 100K and never use it to buy anything, even if it's all the money you have. Most people can't just gamble all their money in stocks. So, I'd say more like 200K so that there's a safety net.

@kebas239 14 дней назад

But if you put it in a diverse portfolio over a long period of time, is it a really big risk? I mean, unless the market crashed or something.

@touchofmandi Месяц назад

Always so concise, thank you Nisha!

@nischa Месяц назад

Pleasure!

@Miawilmore Месяц назад

Good one sis! As a middle-class woman trying to get her finances together, I’ve always been an advocate of investing in stocks because it has paid off handsomely since I decided to get into it.

@Willycheng590 Месяц назад

A friend of mine warned me of the dangers of investing in the market. How true is this Mia?

@Miawilmore Месяц назад

My colleagues had a good laugh at me when I told them I started my journey with $10k capital and how I accumulated over 5 figures within a span of 7 months. They never believed me until I pulled out my P&L. I know that learning the ins and outs of the market isn't for everyone, that's why personally, Jonas Herman oversees my investments.

@Roymysterio Месяц назад

@@Miawilmore Do not forget that when it comes to the stock market, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

@OlineFarms Месяц назад

How can I get acquainted with him, please? I need help.

@JakeRichardsong Месяц назад

Reported for spam.

@stevegeek Месяц назад

Nice, but the (literally) million $ question when you have a good chunk of money to invest is where to put it to get consistent +8 or +10% annual returns. If you are fully invested in equities and you are unlucky, the market crashes and then the amount of money you can lose is also exponentially higher the more money you have, and you can quickly see your wealth disappear. Personally I am trying to diversify my investments as much as possible now; I would be happy with a consistent +5% or +6% annual return.

@AdamKitchen9 Месяц назад

Yeah this is true, a lot of the examples (while completely fair) don't account for the fact that the scale of the loss also goes up proportionally if the stock market crashes. Rish/reward.

@ryansmith112 Месяц назад

Check out mortgage notes. 8% to 12% consistent returns without the volatility of the stock market.

@venuswealth6 Месяц назад

Low cost broad based index funds. VTSAX (ETF equivalent is VTI) or VFIAX (ETF equivalent is VOO). Please read books 'The Little Book of Common Sense Investing' and 'The Simple Path to Wealth'. You are welcome. :)

@Cousin_Burly Месяц назад

Why wouldn't you hedge your investments with futures or short the market when it inevitably pulls back? You don't diversify to grow wealth, you diversify to protect wealth. You seek alpha to grow wealth.

@srest-hn6zu Месяц назад

S&P 500 & NASDAQ index funds - just buy and hold

@benfulford3943 Месяц назад

Finance influencer's love to make this video because of the Charlie Monger quote around doing everything you can save that first 100k. 100k is a completely arbitrary number. The rules of compounding work exactly the same on 1000 dollars, 100 thousand, 1 million or 100 million dollars. If all you can afford to save is 10 dollars a month it'll take you the same amount of time to get to 1000 dollars than if you can afford to save 1000 dollars a month to get to 100k. Compounding works and it is a thing. The 100k is a nice target to aim for, for most people as it is a lot of cash compared to how much most people earn but if you earn way more or way less it is an irrelevant number.

@philippackermann3751 Месяц назад

This!

@phillipwright3130 Месяц назад

100000.00 ,daunting but doable . Just save about 10% if you can ;more is good and then enjoy the rest. You never know what life will throw at you.😊

@surpriserakins9067 Месяц назад

I broadly agree with you, although what a person earns is not the issue but what you can save and for how long. £100,000 is attainable for anyone who works in the UK.

@CarnaghSidhe Месяц назад

@@phillipwright3130 where you live Phil it may well be... I grew up in Devon, worked in London, and now live in Spain... 100k means very different things in those three places, and the ways in which you might make 100k is fundamentally different in those three places.... You're not wrong as it happens, but the number 100k is utterly irrelevant, and I'd go far as to say a bit stupid.... 100k in Tokyo ain't much of anything.

@legendgalaxy Месяц назад

This

@cupcakeclambake5508 Месяц назад

Great video, Nischa. Could you do a video in the future that specifies what to invest in with your first 100k? It would be a massive help. Thanks.

@paulho5673 18 дней назад

Where gets you 10% after tax?

@millidon Месяц назад

Thank you for all your financial advice I have been watching all your content for over a few years now and it has definitely helped a lot

@FE59FE59 Месяц назад

The thing that I don't understand is, where do you actually get 10% of interest. Here in Luxembourg the saving accounts only give you 2,5%. Once you have 100000 Euros in your account, that intrest rade drops down very low.

@williambaker427 Месяц назад

By investing in shares, mutual funds or exchange traded funds. Not by bank deposits as per your suggestion.

@FE59FE59 Месяц назад

@@williambaker427 I understand, but this way you're putting your hard earned money at risk ... It's okay to invest a 100 or 200 Euros per month, but to invest 500 or more, is a risk that I'm not willing to take.

@djtaylormade1195 Месяц назад

@@FE59FE59You have to have a long term mindset with investing. There's always risk in the short term but over a lengthy period you'll average around 10% from the stock market.

@alexfernandez4408 Месяц назад

@@FE59FE59all investments carry risk. Depends on your risk tolerance. Index funds are lower risk and historically performed well. Keeping your money in a bank is crazy - with inflation alone you’re loosing purchasing power. Sounds like you need to do a bit more research.

@williambaker427 Месяц назад

@@FE59FE59 That is your perogative. Please understand that this RU-vid video is aimed at compounding of money which is invested as opposed to placed in a deposit account with a bank. Cash deposits will also compound but at a lower rate.

@dannywalters958 29 дней назад

Because they are no longer guessing what works, they now know!

@Wayne-bk1jc 29 дней назад

You are so correct. This is why you should never underestimate any expert in any field. There's this knowledge you get from experience that you can't just read in books.

@hildredscali1754 29 дней назад

The past year has made me appreciate professionals even more. I used to think I was good at chess until I became friends with a pro. Used to think I was good at investing my money until I started using an F.A and my net-worth almost doubled in a year. I can go on and on. They are pros for a reason

@emersonstagnitta65 29 дней назад

hi, I have been considering getting an FA, please what are the steps for getting one?? like a really good one

@kortneyrawhouser6881 29 дней назад

@@hildredscali1754 I met this pretty lady at a seminar a while ago. Small world right

@_king_james_23 29 дней назад

hildredscali1754 I met this pretty lady at a seminar a while ago. Small world right😂

@some9524 Месяц назад

Really love your content. Keep it up and thanks!

@jade-oh5wn Месяц назад

Stop worshipping her. What are you good at?

@00el04 Месяц назад

One of the best videos on RU-vid about investing! Keep killing it, wish I had seen this when I was 18 years old.

@leonhenry4861 Месяц назад

it's really not one of the best

@amybaitley6791 Месяц назад

Thank you for explaining compound interest in an easy way to understand. The graph with the arrows were a great visual for me. ❤️

@sounikbanerjee9751 Месяц назад

Recently crossed that 100k personal savings threshold. Hopefully, i can see this compounding explosion in wealth. Thanks for making this video.

@11zee85 Месяц назад

congrats!

@yahismylightisreal1851 Месяц назад

congrads sir, you've done it. Peace.

@leonhenry4861 Месяц назад

keep us posted, because I think these YT people talk shit. we need actually people with 100k to let us know if it's true.

@slchance8839 17 дней назад

math teacher here. This ENTIRE video is taught in math class in 5th grade, 6th, 7th, 8th, 9th, 10th, 11th, and 12th grade the last 7 or 8 DECADES. the kids find it boring and "hate word problems," and say things like "when am I going to use this?" "why does this matter?" All you had to do was pay attention at the age of 11,2,13,14,15,16,17, or18 and by the time you're 28,38, or 58 life gets good with minimal effort. the students have no one to blame but themselves.

@lilylife4426 Месяц назад

I really needed to hear this today! Thank you so much!

@marssb6056 Месяц назад

Love your content Nischa

@larryronhartfield55 Месяц назад

The first 100k seems to be so hard for some because you're basically still setting up a foundation for your portfolio to stand on and then the latter comes easier since now you're familiar with diversity ,where to place your funds. I made my first million from going diverse, mainly blue chip stocks. high value etfs, S&P500 and coins ..with the help of my F.A Anna Rounds Fay handling my portfolio it's been a year of steady growth.

@MargotCrest Месяц назад

Smart, I must commend you because etfs will keep making you solid profits through compounding while the other stocks pays monthly although advantageous you must've started big

@oliviarenereyes Месяц назад

Nice, you're a good guy for taking your time to properly explain this, i reached out to your FA also through her web and her responses were articulated. I'm more confident working with her now

@LanceyRoche Месяц назад

invest in stable stocks, my rule: if you previously liked the stock, then you should love it at a discounted price.

@michaelburton Месяц назад

You almost had me bot 😂😂

@game46632 Месяц назад

Me too lol. I also use "Jill Marie Carroll" as a financial adviser.

@LukasLwM 13 дней назад

The math doesn’t add up!! Because based on annual investment of $12k plus 8% of return every year, it would take about 27 years to reach $1 million dollars or $1,048,209.22 (as shown from the video). You can do this in Excel lol and not clear what happened between year 14 and year 20, it doesn’t explain the grow starting from $290k to $1 mil within 6 years lol

@richardtpgusa7236 5 часов назад

My mother taught me this lesson when I was 14. Good lesson for kids coming up...I explained the math to my kids as well. Very nice vlog

@KLK00723 Месяц назад

“The first $100,000 is a bi***, but you gotta do it.”“I don't care what you have to do - if it means walking everywhere and not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000,”Charlie Munger

@musemellow 24 дня назад

is it still 100k though in this day and age? Munger mentioned this key number decades ago.

@wesolowskimatt 22 дня назад

@@musemellow more like 500k now days

@Sam-kx1qc 18 дней назад

I am actually walking and taking buses everyday, and I have 6 figure salary. Saving to me is way easier than spending. Whenever I see overpriced things, I instantly feel the rich CEO behind door laughing at sukers buying the product and I lost all interest in it.

@immattbailey 16 дней назад

@@musemellow not like 500k these days, 6 figures is still 6 figures . Still a bitch to do it , but I'm on the way

@drumyogi9281 14 дней назад

@@wesolowskimattIt doesn’t matter if it is the year 2550. Compounding interest still skyrockets at 100k.

@kelvinjohnson4 День назад

In my view, staying invested is not just a financial strategy; it's a philosophy that aligns with long-term wealth-building. Markets have their ups and downs, but history has shown that, over time, they tend to appreciate. By weathering the short-term fluctuations and remaining invested, one has the opportunity to benefit from the compounding effect, capitalize on market recoveries, and achieve financial growth. Staying invested requires patience, discipline, and a focus on the bigger picture - a strategy that, in the journey towards wealth, has proven to be consistently rewarding.

@Markjohnson09 День назад

Having stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire

@KelvinWallace 13 часов назад

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1M in returns on investments.

@RichardBayer 13 часов назад

@@KelvinWallace I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

@KelvinWallace 13 часов назад

My CFA ’Marisa Breton Dollard’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

@RichardBayer 13 часов назад

@@KelvinWallace I've come across a lot of recommendations but this one stands out. Marisa Breton Dollard" resume is pretty sophisticated, and shows she was active during the last bear market, I also emailed her. Thanks for the info!

@NathanHarrison7 13 дней назад

This should be required learning in Middle and High School. Simple, practical, realistic salary examples, that could help real people in a real way.

@sundeshbalraj Месяц назад

Love the breakdown of the the 1st, 2nd and 3rd 100K earnings on the graph - made it so easy to understand !

@mustafamar1437 Месяц назад

Einstein and Nischa believe in compound interest. We need to listen and follow. Thank you.

@njvalueinvestor Месяц назад

Add Warren Buffett

@mdmartin1211 Месяц назад

Einstein also cheated on his wife, with his 1st cousin, and had a baby with that cousin and when the baby turned out mentally handicapped and disabled he left both his wife and child. Soooooooooo

@mustafamar1437 Месяц назад

@@mdmartin1211 compound interest works. Einstein is not for cooking, fashion and relationship advice...but physics and compound interest is worth listening to.

@carultch Месяц назад

@@mustafamar1437 Exponential growth cannot continue forever on a finite planet. Eventually, the Ponzi scheme of the world economy will collapse.

@Craig121000 Месяц назад

Nischa lives on London. Her advice doesn't do much for people in the North.

@appreciatingassetsmedia Месяц назад

Amen! Nischa, you produce great content that is essential for all wealth builders.

@rostyslavkozhushko5841 10 дней назад

Here is new subscriber from Alberta, Canada. Net worth is about 1 million CAD. 38 years old blue collar worker, your channel and information you are giving is pure gold! Everything is simple and making perfect sense, down to earth to! Good bless you!

@greetingsfromholland4765 10 часов назад

The reason we pick a 100k is because the everyday cost of living and minor setbacks we all endure, keep you poor. As an example. You have 25k, make 5% ROI, which is 1,25k. Which is nice of course But one minor setback (your roof starts leaking or your car broke down) and boom you're back to point A. From 100k onwards your returns will mostly (if you don't fall for lifestyle inflation) exceed your general setbacks. 5k ROI on 100k is harder to 'spill' than 1,25k. Your lifestyle inflation should only start when you're way out of the risk of losing your returns. So around 100-150k your can start enjoying a little. From +250k you can enjoy a bit more and splurge sometimes. After a passive income that exceeds a regular income your can start to really enjoy either more downtime and work less or spend more.

@korgond Месяц назад

You’re fantastic Nischa. I love the ‘smart knowledge’ you provide!

@kmal34 Месяц назад

my fav channel.. thank you

@kathrynwatkins5510 Месяц назад

mine too .i just discovered it yesterday .i love it .Thank you Nischa

@nischa Месяц назад

Thank you for being here :)

@ibrahimbasiru7453 19 дней назад

Estarei eternamente em dívida com você, Sra. Elena. Você mudou toda a minha vida, continuarei a pregar o seu nome para o mundo ouvir. Você me salvou de uma enorme dívida financeira com o pouco que eu tinha. Obrigado senhora Elena.

@zainabmuntari3444 19 дней назад

Acho que sou abençoado porque senão não teria conhecido alguém tão espetacular quanto a especialista Sra Elena, acho que ela é a melhor corretora que já vi

@rajashreejayasingh1652 Месяц назад

They all talk about compound Interest. Who gives you compound interest? It all depends on the performance of the investments you have. It can be zero as well.

@joaquinmonfort1974 Месяц назад

Sound advice, I wish I could implement it. The tricky part is earning enough through your day job. There are too many people chasing too few well-paid opportunities. Most people don't even earn enough to get to the end of the month let alone save. There are certain must-dos that also make it difficult to save - birthdays, christmas, meeting friends. If you don't partake in these you can lose out on social contact which impacts your mental health.

@qwerty1994ize 24 дня назад

Sacrifices must be made to get to where you want in life.

@3xAudio Месяц назад

So hard to get to £100000 with UK median wage or below and renting. I am trying everything at the minute to get extra income. So tough out there but it can be done! We got this!

@2ru2pacFan Месяц назад

I think living with family as in parents and partner under one roof like certain cultures ie the Asian culture means you have little outgoings as its shared, living with family and more money to use on investments and when you or someone benefits then everyone benefits.

@mal7175 Месяц назад

Leave the UK to Canada or the US, you’ll nearly double your salary within a few years.

@user-ke6rr8mq5l Месяц назад

What income sources do you have?

@3xAudio Месяц назад

@@user-ke6rr8mq5l selling some digital products and buying and selling products online. Overtime in my job.

@3xAudio Месяц назад

@@2ru2pacFan thats not really an option for me. I am from Ireland so family is not in the UK. Plus I am 31 don't really want to move back in with my parents haha

@TeaxYT Месяц назад

Love the videos, really made a difference for me!

@caroleklein4839 Месяц назад

I finally understand what compound interest is. Thank you, Nischa.

@leonhenry4861 Месяц назад

what is it?

@AshleyNoSwiper Месяц назад

Thank you for always teaching us in these videos!!!

@S-mi5yi Месяц назад

You have to do a beauty/skincare/haircare routine one day. Your beauty is mesmerising! Love your videos too.

@AllMidis Месяц назад

Limit your expectation and expenditure then your base will keep compounding

@ActionInvestor 20 дней назад

Yeah. This is true $0 to $100000 is difficult, but once you get there hitting 150 to 200k is much faster! !

@chrisyang05 8 дней назад

Tracking net worth on a logarithm scale often better reflects the compounding effects. A person in the 50s can gained more net worth in a year than the first 10 years of their career because the money they invested 30 years ago worked harder than the money they invested last year.

@anthonyelvin558 Месяц назад

This is exactly how l was able to retire at 53, great advice for everyone.

@farnazhassani8264 Месяц назад

this is exactly my concern, this works for your generation but 600k in 30 years for me as 25 year old girl considering current inflation on major assets like houses is nothing. I wanna cry even thinking to it, work hard and after 30 years to get get paid only 600k?? I am sure it will be just enough to pay down payment for mortgage. :(

@anthonyelvin558 Месяц назад

l must admit my generation thought we had it tough regards buying property and getting on the housing ladder compared to our parents, but your generation as got it even tougher. This is great advice from Nisha but totally understand your situation, just saving to get a deposit for a property takes some doing now. Good luck and I wish you all the best for the future.

@anthonyelvin558 Месяц назад

so sorry l spelt Nischa wrong lol

@UltimateGattai 26 дней назад

I wish I could retire in my 50s,but that doesn't look possible, even with my savings rate, and a house is out of the question at the moment.

@jhoncena1111 21 день назад

@@farnazhassani8264stop aiming for 10% YOY return and aim for 100%

@CashOps Месяц назад

Indeed. Charlie Munger told us “The first $100,000 is a bi***, but you gotta do it." He's obviously one of the wealthiest people in the world. Interesting advice, thanks for sharing.

@19grand 24 дня назад

That's £80000

@musemellow 21 день назад

I reached it just a month ago when you reach 100k, you’ll realise that your first $1m is a bigger bi***, but still gotta do it to secure your retirement. The journey doesn’t end at 100k, it’s just the beginning.

@DeclanHiggins-YoutubeChannel Месяц назад

Thanks for another great video Nisha, great food for thought, lots of good strategies mentioned.

@PW060284 18 дней назад

Getting to 1 million (household) NW gets you the accredited investor designation in the USA, which opens up certain investment options.

@man-of-the-world Месяц назад

That can work in reverse too, espeduring high inflation periods. During the recent 2 years-ish of 9, 10 and 11% inflation, the more you have, the more you lost.

@djtaylormade1195 Месяц назад

That's why it's important to invest your money wisely to hedge against inflation.

@19grand 24 дня назад

She skipped a lot of the bad stuff.

@vavansky Месяц назад

We all need a Nische in our life! So grateful for having someone to broaden my knowledge on finances! Hugs and greetings from Germany

@nischa Месяц назад

:))

@Richard-uq5dy 2 дня назад

The late great Charlie Munger always said you need to do whatever it takes to get your first $100,000 , after that you’re on your way

@BS-gj5ot 19 дней назад

it is not that easy to consistently get 10% return. If I could get 7% guaranteed I would take every penny I have in stock market and take the 7%. If you have 3 million that would be 210K interest per year. That is significantly more than I spend or need.

@islaperez1151 Месяц назад

If you’re not in the financial market space right now, you are making a huge mistake, I understand that it could be due to ignorance

@islaperez1151 Месяц назад

Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 💯💯🙏was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $170,500 every months, God bless Tracy Britt Cool..

@Jannaraymond829 Месяц назад

Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down of myself because of low finance but I still believe in God.

@user-it8bz9yc5t Месяц назад

Thanks to my co-worker (Alex) who suggested Ms Tracy Britt Cool Finance

@user-it8bz9yc5t Месяц назад

She's a licensed broker in the states

@lillyvazgueztk1410 Месяц назад

Tracy has helped me manage my Investments for the past 10 months now and to be honest, it feels good to be working with a good oriented person like her.

@NeptuneKnives Месяц назад

Wow your video is actually professional, and honest

@KarenBen-py1mc 18 дней назад

Investment banking can be quite lucrative if you know what you're doing, but it also comes with its fair share of risks.

@ce244 Месяц назад

What they DON'T tell you is that to actually make a real difference to your amount, you need more like 250-300k for the percentages to make any sense AND massive leverage 65-100% LVR) to actually be able to get there to a million, within any realistic timeframe of "your 35-45 year working life". 10 percent a year on saved capital invested is a road to nowhere, especially given interest rates as they are (acting like gravity on assets) and persistently high inflation.

@mortimp Месяц назад

Great video Nischa, I would love to know where you are getting 10% on your savings?

@j.n-turner 25 дней назад

amazing! We are just at our goal line, and then your video pops up. I was contemplating our next step. Thank you for your insight!

@logikalx 17 дней назад

My NW skyrocketed during the Covid lockdowns, but my spending money has suffered since!

@javidturabor4449 19 дней назад

Its not 😅 after 150k its been hard

@emeraldrhyme5634 Месяц назад

She makes it so easy to understand. Great videos once again.

@anjaling Месяц назад

Absolutely correct, I sacrifice coffee when in my early adulthood and save and invest. I'm thankful for that strict regime and discipline I imposed upon myself, and alsobthe Book by Bach- smart women end up rich helps too

@kavisharma_ Месяц назад

Huge congrats on 1m subs Nischa!

@GDBOYFilms 28 дней назад

what

@annasimpson526 14 дней назад

@MarthaJames-ce9gm 14 дней назад

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

@johnsononeil829 14 дней назад

She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.

@SamDiesel710 14 дней назад

You trade with Claudia Jenkins too? Wow that woman has been a blessing to me and my family.

@tonyanderson185 14 дней назад

I'm new at this, please how can I reach her?

@elizabethtran374 14 дней назад

I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much

@hatchegg80 Месяц назад

i'm 35 and worth a bit more than $10m, it is true, i still remember when I saved my first $100k, it was about 2.5-3 years out of university, just keep doing and doing more

@brettmedina24 6 дней назад

I love the simplicity and transparency of your content. Very minimal and too the point. Keep it up,.

@Gaboch8719 Месяц назад

Totally agree! In addition, the more money you have, the easier to get loans and continue reinvesting either in Real State or the stock market. The key is to start and reach that threshold.

@FredMeyer-no3ji Месяц назад

Your videos were great!! I'm 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.

@How_to_Improve_ Месяц назад

One thing that always confuses me is when I hear people making examples with "8% yearly return", "10% yearly return", etc., as if it was a certainty to get certain returns. I sincerely wonder what kind of investments they talk about.

@djepodjepo Месяц назад

Exactly this

@jeffcanar7294 Месяц назад

This is long term. It is typically (though not always) over the course of 30 years that these sorts of videos and advice work with. Extend it out to 40, and you can use the same math to show how someone who starts saving from their first job can retire with over a million banked. Per Nerd Wallet, the average rate of return for the stock market for the last 30 years is 9.67%. Of course there is year-to-year fluctuation. The point for wealth growth with this strategy is to play the *long* game.

@jeffcanar7294 Месяц назад

Adding the importance of taking advantage of employee benefit plans like 401Ks and the like. If your company matches even just 2% of your contribution (usually up to some amount), that's a free +2% on that contribution for doing nothing other than participating.

@C63Bez Месяц назад

Yeah it’s like the S&P500. One year it might go down and another up by double. But over the long term it works out 7-8% ish I’ve heard

@How_to_Improve_ Месяц назад

@@jeffcanar7294 Excellent points, thank you. I live in Europe, so while we don't have exactly 401Ks, we have similar things. It is also true that not all 30 years spans are equal: I remember seeing posts on LinkedIn of people showing that depending on which 30 years you were invested into (e.g., 1950 - 1980 or 1965 - 1995) could make a huge difference on the average return. And also, that even across such long time span, being in or out in a dozen of particularly lucky or unlucky days could do a gigantic difference, especially regarding your cash-out year (imagine if your 30 years time span was 1978 - 2008). The main point for me is that too often, across financial videos, people mention access to fantastic yearly rate of returns like 10% as if it was a walk in the park.

@manuelpoyant468 19 дней назад

Good video explaining the theory but where do you get 8 or 10% return on investment per year?

@tenningale 9 дней назад

Because when you're poor your expenses eat up all your money. When you have surpluses and those savings are making you money it's like a machine if you're smart about it and don't short-circuit the process.

@wesselmartens1621 Месяц назад

Quite impressive to stretch the word compounding to a 7 minute video

@DefenestrateYourself Месяц назад

Imagine that being the only thing you are capable of pulling from this video 😂

@sirus312 18 дней назад

what happens when everyone realizes this and they try to do it...and we don't have many qualified people working anymore?

@freshtapcoke 8 дней назад

It’s the strange realization that this world requires poor people to function. It can be like the US where there’s a wide divide between the haves and have nots but the non-political can become wealthy. It can be like communist countries where there is a huge divide between the haves and the have nots and only the people in government will ever be wealthy. It can be like socialist countries where there is a huge divide between the haves and have nots and the government routinely takes from the haves to make the politically connected wealthy.

@joshkracker5003 4 дня назад

This info isn't new and it hasn't happened yet.

@Lazirus951 25 дней назад

I've definitely noticed this. The first 100K felt like I was sacrificing mightily, but I'm on the road to 1M now and it genuinely feels easy.

@19grand 24 дня назад

Do you have an idea of when you'll get the mil?

@Lazirus951 23 дня назад

@@19grand It depends on the markets, but probably within the next 2-3 years.

@jollyjames30 Месяц назад

Nischa, for a future video, you could maybe do a full behind the scenes of yourself in your studio recording a video and showing how much time and effort it takes. From ideas to scripting to filming to editing. That'd be so inspiring for new folk wanting to start their own RU-vid channels. Just a thought. People love those types of behind the scenes videos.

@iTuber012 Месяц назад

I'm sure this feels true but is it really? The dollar amounts may be higher but the percentage change is the same, no?

@CockyGaming Месяц назад

It really depend on what you're asking here. Will you get the same return every year? No. The stated 8% is based off of an average over the past x years. So, on average you will return 8%. Meaning some years will be 20% an some will be a negative return. On average it takes x years to double your money per the rule of 72. In this case she simply used the 8% average. Now, if you're just referring to percentage gained on every dollar no matter the amount, then yes it's the same percent whether it's $1 or $1 billion. Now what can change is what you choose to invest in, which can increase or decrease that percentage. I'm fairly confident, but this is without looking so take it with a grain of salt, that the 8% is based strictly off of the s&p 500 returns. Some people find ways to do slightly better, and it is very easy to find yourself not doing as well.

@pez6905 Месяц назад

With inflation atm, even a ludacris 10% gain per year is still pretty much losing money 😂😅

@iTuber012 Месяц назад

That was exactly my question... 8 percent (or whatever number) is 8 percent no matter the amount. There isn't some magical amount you save and then it compounds faster magically after that amount @@CockyGaming

@AhmadIsahidris Месяц назад

Today I reached $450,000 . I am truly grateful for all the knowledge and information you have given me over the past few months. I started with 55k in January.

@FelixRodney-jm8wc Месяц назад

Congratulations🎊

@cooper1423 28 дней назад

What did you do, all in on black?

@mirror_6336 Месяц назад

In addition to all the tips mentioned, remember to plan how much you want to achieve and don't be greedy!

@leonhenry4861 Месяц назад

exactly, they never specify that. the reason Warren has been so successful is because he looks for low yielding stocks with high growth potential.

@lucagasparini8686 12 дней назад

Interesting, but maybe you forget that investing money also entails taking some risks of losing money, especially if you are targeting high returns as mentioned in your video (8% / 10%)

@keithlindenboom 19 дней назад

8th grade math.

@wandiledumakude 16 дней назад

What’s your point?

@MasterDatingAbroad День назад

💯

@StatingTheObvio Месяц назад

Thank you for your video and explanation. While your video is informing and hopeful that investments made overtime benefit from compound interest. However, I’ve listen to many speakers talk about an arbitrary 10% return with examples like this with an assumption that this rate of turn is an easy financial vehicle to obtain. From your experience what specific investments are available within the UK or a UK citizen could access outside the UK that would earn you a 8-10% average interest year on year? Thanks.

@stevegeek Месяц назад

I just posted a comment along these lines. As I said, I am happy with consistent 5 or 6% return. 10% YOY is a dream.

@drew9312 24 дня назад

This is the clearest explanation of this concept that I have seen amongst many. Excellent communication whilst interesting at the same time. Great job.

@bengunns9500 18 дней назад

My investments have now reached £100.000 what should i do next? The only thing i worry about is the Financial Conduct Authority only guarantee £85000 should there be a problem.

@andrermn Месяц назад

10% is a bit optimistic

@thenewbanker1225 Месяц назад

The market wide sp500 grows on average 11% compound annual growth rate. So its quite reasonable

@despicableme7952 Месяц назад

+ one time crisis e.g. covid can catch every % of return… But if you invest on a longer range like 25 years, 8% seems realistic BUT… inflation hits hard. I just can speak for Germany: electricity went up above 20%, its now comparable to last were we have been two years ago so +/-0. But gas, diesel went up like 30% to 2 years ago. Okay dont drive I understand +/-0. Food prices went up 12% and food is something which isn‘t debatable to have it or not. Thats the point, no one knows what its like in 25 years. Congratulations on 1 million which is worth 610k in 25 years with 2% inflationrate.