7 Life Decisions You’re Making Way Too Hard On Yourself

This video is brought to you by Verizon Fios.

The Financial Diet site:

[pushingdaisies_]

🧐
1. Investing vs paying down debt 💶
2. Starting exercise 💪🏼
3. Deciding what subscriptions are worth it 📺
4. Creating an adult wardrobe 👔
5. Choosing a credit card 💳
6. Planning our your weekly diet 🍳
7. Staying in or leaving your job 🚶🏼‍♀️

[danielsimmich]

Shoutout to younger me who deadass wore the exact same outfit for over a year because I was extremely uncomfortable with myself. I was really living that cartoon wardrobe lifestyle

[amandalight]

This channel is amazing, luckily I saved for an emergency fund 2 years ago or I’d have no way to pay the property tax on my mom’s house I wasn’t expecting to pay or pay out of pocket for a class I need to graduate on time. I got hit with a double whammy and I didn’t have to sacrifice the awesome internship I landed this summer because of this channel. Thank you TFD!

[ronaldmalcolm]

I wholly agree with the meal planning and I'll go one further: I'll make whole meals and portion them in individual containers, but then also make kits, like a pound of precooked steak or chicken, a basic side dish like several helpings' worth of mashed potatoes, etc., which I can dress up in different ways each meal (steak with garlic parmesan potatoes, or potato nests with Hunter's stew, etc.) so that I have the best of both worlds: prepped food with room for creativity.

[funnygirl]

I think one of my favorite things about Chelsea is that she is such an eloquent speaker but then can also just casually throw in words like "noodle-y."

[thereserm]

There were good points here, though like others, I was distracted by the sponsor. I trust Chelsea and the TFD team, but it led me to wonder-- how can you actually make a wise financial decision with phone, internet, and/or TV providers? Most of them have complicated contracts, or if we call for help, we're presented with information that was never brought up with the salesman or installer. It would be incredibly helpful of the TFD did an episode explaining terms, options, statistics, and what questions to ask when choosing a provider for these services.

[vmpapillon]

Totally agree with you on the walking! After an accident I was impaired for quite a while. I started slowly with walking (way below 10.000 steps). But you get used to it, increase it slowly and now I'm trying hikes and started yoga☺.

[TheEagleEnigma]

more career videos please! i like the old ones about starting out in your job, learning professional mores, finding and getting a job etc

[hambydandy]

When I first started using a credit card a year ago, I looked for ones that had a long period of zero interest (American Express, Capital One, and Wells Fargo all have this) so that I could pay off my medical debt without having to set up a terrible payment plan with the billing department and continue paying interest. Two birds, one stone. Getting rid of debt while avoiding interest payments and building my credit.

[gaia]

Leaving your job is only that easy if you want to stay in the same field. If you found out that it's just not for you after a few years it's so difficult to check for other options, thinking about getting into uni again etc.

[Ammut]

Verizon FiOS: not the best financial decision

[kiterafrey]

I’d love a series about your journey with TFD and starting a business and what it’s really like your first year, because it’s never as easy as people pitch. You’re so amazing and I’d love to learn from your journey.

[eaglefeather]

Thanks TFD! Talking about deciding which subscriptions are worthwhile helped me to FINALLY cancel my Skillshare subscription. I know that TFD videos are often sponsored by Skillshare, but I never use it, and all it's been is a drain on my credit card. It's one of those things where I feel I "should" have it, sort of like a gym membership. But I just have not used it enough to justify the cost. Thanks again for the kick in the butt. :)

[itsamodernmess]

So impressed by Chelsea in the last episode but seriously pairing with the sponsor like Verizon FiOS?! Come on TFD. You’re taking advantage of your newer subscribers by recommending internet phone tv bundles where in previous episodes you warned against TV bundles.

[sassytart]

You have to factor in risk when you do the whole paying off debt versus investing. Being in debt but investing is way more risky than getting out of debt and then investing. Not to mention saving up for an emergency fund is very important

[chikaka]

What would be really useful is guidance on job hunting for those with little or no free time for job hunting (i.e., single parent with multiple kids or someone who routinely works 70 hours a week). Efficient job hunting is such a critical skill.

[MsRavenousWolf]

Also doing more household chores and activities burns calories. However, jogging in place for 15 minutes a day is a great jump start in burning a good chunk of calories on top of walking 10, 000 steps. If you're not comfortable with jogging for 15 minutes then start small and work your way up.

[KristenPimley]

I make every decision way too hard on myself because I have crippling anxiety! 🌈

[odatol]

My fav meal planning hack: wraps! I batch cook sweet potato etc, chop up veggies and maybe cook some chicken. With a variety of ingredients, I'm able to make loads of different variations and especially if I have a couple of different condiments (aioli, mango & chilli sauce etc). And if I don't fancy a wrap I can simply have a salad. Healthy, eco friendly (esp. if youre able to get package free veggies) and cheap

[Meloncov]

I think the paying down debt vs. investing is glossing over a huge factor; risk. Paying off debt early is risk-free (barring a massive societal upset where all debt gets forgiven/abandoned). Sure, historically, investing in the stock market yields better returns than paying off your mortgage early, but I can be certain paying off my mortgage will save money while I can't be certain the stock market will grow indefinitely.

This isn't to say paying off debt is always better (it isn't), but paying off debt early is a better deal than a simplistic calculator based on average historical returns would suggest.