9 Things To Stop Spending On By 30

In this video, Chelsea talks through several things everyone should learn to stop wasting money on after 30, from cheap alcohol to sad desk lunches to cringey fast fashion.

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[minabina]

I'm blown away by the "5 week average shelf life" of fast fashion items in people's closets. I've rarely been able to afford anything other than fast fashion, but that sh*t lasts me years?? In fact I'm currently wearing a f21 coat I've had for 8 years, an h&m top I've had for 5 years, and a pair of Shein pants I've had for 2 years. Sure, I have to wash on cold/gentle and line dry all my clothes, but the idea that someone would just chuck a piece of clothing after a few weeks because its "cheap" is crazy to me. Makes me wonder if this is largely tied to influencers chasing trends or have people always been this quick to throw away "cheap" clothing?

[hobbleit]

One thing I love about being in my 30s is that my wardrobe is made up of clothes that look good on me rather than what’s fashionable.

[onlyfrickinletters]

1:31 Cheap Alcohol
4:23 Trendy Makeup
6:39 Weddings
8:47 Office Coffees/Lunches
10:33 Fast Fashion
14:33 Instagram Travel Destinations
16:22 Parking/Speeding Tickets
18:53 Drunk Food
22:19 Impulsive Target Purchases

[RedPandaNinja]

just as a note, fast fashion is not always necessarily “cheap” f21 and h&m clothes. buying a more expensive item does not mean that it was made any more ethically. the important thing to remember is to be more discerning and mindful with your purchases. if someone can afford a $500 reformation dress good for them, but a $20 dollar dress is fine too if you wear it and dont treat it as disposable.

[kaelynnkreates]

I remember in my early 20s I ended up upsetting some close friends because I refused to fly to Chicago on a days notice for an impromptu “bachelorette party” (not including hotel + food costs). I just didn’t have enough money for it. Friends response? “Oh, just drive 8 hours instead!” It was a bit of a wake up call for me.

[AdrianneChristineBooks]

Turns out not being very social saves me a lot of money. 31 and never invited to a wedding outside of my family 😅
Although my book collection and home decor can really do some financial damage

[marfetko]

People often forget that all bad choices like junk food, impulsive purchases, etc. are caused by some emotional burnout and that's not so easy to stop doing this. The only way out I've found is to find a good therapist and work on mental health.

[silliepixie]

A life changing moment for me happened to me at Target. I had a hand basket of stuff I wanted to buy but started to get stressed out because it was so crowded in the check out area. I looked in the basket and thought "Do I NEED any of this?" and the answer was no. I put it all back and left. I threw my arms up and exclaimed, "I didn't buy anything!" as I left the store.

[shelbycrutchfield]

Youtube is my only social media source, never realized how much not being connected has saved me financially.

[ashleyfwtx]

The “working girl sedentary desk for 10 hours a day” statement is too real. 😭

[Icynova]

Next video idea: “things you did in your 20s to save money, that you stopped doing in your 30s, that you should start doing again.”

[UselessRevelations]

One comment about the lunch thing - if you went into a high stress but high pay line of work, 3k a year could easily be worth the additional time and stress of meal preparation. Not saying that the occasional leftovers or sandwich from home are a bad thing, but spending on reducing stress and outsourcing additional labour can be well worth the money. 3k a year if you make 40k is a lot, but if you make 100k, it's the difference between getting a nicer car or house or buying lunch. Which actually makes you happier on a day to day basis?

[kellytillman]

I do the gift card for Starbucks. I call it my Coffee Allowance and I put a certain amount every two weeks (payday). It helps me budget and keeps me from overspending on food items that I think I am hungry for but actually it looks in the display case.

[madbyinstinct]

My no shame drunk food: 3 am instant ramen, add some frozen veggies in the soup and eat it. You'll be set for a good night's (whatever is left of it) sleep, and minimum hangover. Drink all the soup. If it's spicy, even better.

[Xantrah]

A note on young drivers: I've always had issues with the generalizations of young drivers because it directly affects insurance rates. When I was 18-24, I had to pay $400 a month for the cheapest strict liability insurance on a cheap sedan I payed $500 for. I'm now 37 years old and I pay about that much for 6 months of extended full coverage for a car and 2 motorcycles. The overwhelming majority of dumb young drivers are on their parents insurance. Those of us who don't have that privilege are who actually pay for it. I asked my insurance company what the statistics are on accidents on young drivers that actually pay their own insurance, and they said they don't actually collect that information. I call BS. They just like having a reason to price gouge less privileged youth.

[andreadekrout]

Here is a voice from your futures, my now. I am almost (not quite!) 10 years older than Chelsea. My husband and I went from being pretty poor and in massive student debt in my 20s to being debt free, child free and really happy and comfortable at 40. I promise that 80% of that transition came from choosing to stop wasting money and not doing what everyone else is doing - So: great video! I can confirm, this stuff works. (PS the other 20% came from always always saying yes when one of us got offered a better job and being willing and brave enough to move around to take better jobs)

[BaileyVogtOut]

Pro tip: If you make your fashion story taking the ugliest and unfashionable blazers and combining them with gaudy patterned shirts in a seizure-inducing outfit—you don't have to worry about being in style because it was never in style. Worked for me.

[angelconnn]

Ever since the pandemic I’ve started doing Target drive-up orders and I like to think it’s saved me money! If nothing else, it has stopped me from buying $25 worth of their bargain items every time!

[shybutopinionated]

as en ex-h&m worker, the thing about h&m they have every quality available, from the most easy to rip, to can last for years. hence the variety of prices. you just need to clever in order to assess every garment you see before you spend it on counter (feeling the material, reading the label, understanding the trend whether its seasonal or can wear it forever without feeling out of style, know how to mix match with your own style, etc).

[C_wyoming]

It'd be great if there was a similar video geared more towards very low income people, maybe via interviewing someone with experience supporting a family through poverty. This advice is really only applicable to people who are in a relatively safe place financially, who have the option of vacations and the free time for partying and drinking. It'd be great to see more content for those who don't have excess expendatures like this to cut out and are down to essentials and looking to get creative on how to make money stretch in survival mode. Nowadays because smartphones are cheaper than they used to be and youtube can be accessed while multitasking, people in dire financial situations do access this stuff. I work 60+hrs a week and am supporting a chronically ill person who's medical expenses are high and can't currently do most household tasks, and I consume media pretty much exclusively in the mornings while getting ready for work or while cleaning the house. I don't usually comment on youtube videos but this instilled a really strong feeling of class frustration in me, and I wanted to turn that emotion into something more constructive by saying like, it would be awesome if your channel could include some content for those of us who are in much tighter situations and have to be careful and clever to survive, or even include in that priviledge check some direction towards other videos or other channels that are more applicable to those in less privileged situations.