7 Money Habits That Keep You POOR

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[littlemissmurphy]

Overview

1. Not being fully informed of your total financial situation.
2. Not being aware of the current economy.
3. Being okay with being in debt and paying interest.
4. Only having 1 stream of income.
5. Not prioritizing saving or not having an emergency fund.
6. Spending beyond your means.
7. Not investing or preparing for your future.

[IsisOya]

"It's incredibly expensive to be poor." Impressive quote 👏🏾

[courtneyjones]

I've been waiting to write this comment under one of your videos for a long while - I am debt-free today! Watching your journey kept me encouraged over these last few years. I remember seeking out a lower-income personal finance youtuber that was in the same boat as me. Seeing you thrive has helped keep me focused! Thanks for all that you do! Keep up the good work!

[StephanieJoRountree]

I think an emergency fund should also include food insurance - in other words, buy extra food every time you shop. The cost of food is only increasing. Work your way up to a year's worth and simply rotate your stock. Think about the recent disaster in TX and folks standing in lines in the freezing cold to find virtually nothing on the shelves. Also water storage is important as is an alternative way to cook your food and heat your home. You won't regret it.

[granitemoss]

"No one else is going to watch out for our money on our behalf." YES! Look after your money or wonder where it went!

[ivsportiv]

I am from Europe and grew up in a culture where having debt wasn’t considered normal. But recently I see a shift in this especially with younger generation. Raising three kids ourselves we still live by the most important rule: if you don’t have the money, you can’t buy it. We don’t have a creditcard and we can’t overdraw. The only debt we have is a mortgage and we are on a journey to lower that debt as much as possible and invest for your future. Your channel helps a lot with this! Love from the Netherlands🇳🇱

[christineloggie]

'Money's greatest power is giving you options' AMEN TO THAT - SO TRUE!

[jamesstinson]

I’m amazed when I hear about people with well paying jobs going to payday loan places. Living without non mortgage debt is freedom.

[bessieoriotis]

Many of us have made all those mistakes and are starting from emergency funds. You are not scaring us, you are telling the truth.
When we know what is going on, we can do something. Better late than never. We have to start. We can't take it with us when we go, but we need to support ourselves.

[poodlegirl]

Great video. Truth be told many people don't want to know what they owe. I'd like to add that as a senior citizen having multiple streams of income even when you are no longer working is a great thing to plan for. You can't just count on social security, we have had dividend paying stocks, IRAs, pensions, rental house etc. Don't put all your eggs in one basket as they say.

[LifewithAmber]

I stopped following DR because his advice was so restrictive I kept falling into some binge spending traps due to all the restriction. I will credit his advice to do the debt snowball payoff method first especially if you're a spender. That's what initially helped me with my overspending and helped me learn how to spend more mindfully. Great video and thanks for sharing!2😁

[seekingserenitydaily]

This WAS a little bit frightening but I'm at the beginning of my debt journey and need to hear the "cold, hard truth" every day! Signed up for morning brew and I've chosen "awareness" as my word of the year and I've begun with becoming aware of my financial situation. Thanks for the tips and the "truth!"

[LydiannaBella]

If you surround yourself with people that have the same goals as you, it becomes easier. Mind like people help you becoming a better person in the long run.

[Happy_life]

Eating out and buying coffee rather than cooking at home and using a reusable coffee mug to take on the go....it’s surprising how much people spend on eating out and convenience foods.

[fixmj]

That overdraft story is so sad. I still feel bad for you even if it was far far ago. Once, I had budgeted to the tee. Well, so I thought. I thought the library was still forgiving late fees. They had changed their policy and I yelled at the librarian. My daughter is still traumatized and it happened 20 years ago. Broke sucks. Remember.

[PSUhockeygirl]

oh, here's past me doing most of those things WOMP WOMP. Current me is determined to do better! I'm excited for Morning Brew! Thanks for the great tips.

[nnettie]

Thank you, I like your approach and have appreciated your videos. Unfortunately I learned yesterday that the furniture I bought on time is now double the cost as I missed paying it off in 90 days. Something to be aware of that it was more of a rent to own. I am now scurrying to pay off the next set that is due in less than two months.

[jacquelinehing]

You’re truly inspirational, transparent and motivational. Thanks for being so honest and smart. Hope you get the 100k subscriber soon.

[gbb]

The way you explained this was very simple and to the point....I especially took note of your comment about needing multiple income streams.

[maddywadsworth]

Man the one stream of income thing is sadly true. After being a stay-at-home mom for 4 years after having our daughter, we had SO much debt. It was because our one income wasn’t enough and we were using credit cards for gifts, entertainment, etc. After I got a work from home position, our financial situation has greatly improved, but the stress 📈