7 URGENT Financial Decisions That CHANGED MY LIFE (And Can Change Yours!)

Learn about 7 urgent financial decisions that changed my life and can change yours too! Find out what moves you need to make today to have more money tomorrow, and the power of the rule of 10.

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Time Stamps:
0:00 intro
0:32 The Rule of 10
2:29 1st financial decision
3:43 2nd financial decision
5:24 3rd financial decision
7:08 4th financial decision
8:23 5th financial decision
9:33 6th financial decision
11:04 7th financial decision
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[josephruiz]

Right on the money with the car piece. I haven’t had a car payment in 11 years and never will again. It’s a huge game changer.

[pc]

I am investing 45 percent of my salary into my 401k and delaying gratification!
I save my money for 10 years and paid cash for my new Honda Civic at a 10 percent discount at the end of the December in 2020
It takes lots of discipline!

[bridgettetraveler]

One of the biggest words I had to learn to stay on a budget is the word no! We must say no to ourselves & sometimes say no to others!!!

[Savvynomad]

Your best asset is yourself and your health, invest there first and always and the rest will fall into place

[gracieallen]

One rule for credit card debt don’t charge more than what you can pay for when the balance is due. Keep a wish list instead of charging it right away. A keep a list of charges for each credit card.

[rodgertim]

Interesting! If i had that capital, i would have some flexibility. I would consider diversifying across different asset classes.

[penguingobrrbrr]

I remember when I was 18 year old and I had my first job I was still living with my parents and had 0 expenses and for some reason I decided to invest 90% of my income!!! I honestly have no idea but I had the mindset of 'I will probably blow the money and PROBABLY regret it in future so lets just invest and see what's going to happen" for 5-6 years and sitting on 200k euro (principal) but 250k with interest and compound over these 5 years. Looking back I'm grateful.

Btw, over the course of ALL these years I have close to 840k euro and i'm almost 34 year old. Last 9-10 years I could not afford to invest a lot of money like I did when I was young BUT im still investing something :) . My god I'm close to being a millionaire. Maybe in the next 5 years I could potentially hit 1M.

[Nimeesha_]

Watched during my work lunch break. Needed to hear this today. So true Bro! If you make the right decisions you can achieve a lot in 10 years. Thank you!

[john.johnb_online]

If you’re not getting better, you’re getting worse.
Coach Pat Riley.
Love your channel bro

[dannytetreault]

The Rule of Ten:
What you choose to do with your money today, will affect ten years from now. What I am enjoying today is a result of what I did ten years ago.
#1. Invest in yourself
#2. Invest more money, stretch yourself. Keep your money out of banks
#3. Diversify
#4. Pay off bad debt
#5. Buy appreciating assets
#6. Have a budget zero based accountability
#7. Buy cars with cash

Thanks, Bro.

[DavidDavisDH]

My biggest advice for investing is to keep going even if the market is down, that is how you get capital gains for the long term. Another thing is to have an emergency fund so you don't dip into the investing money when you need money.

[FIRE_DrNinjaTurtle]

0% taxes in 10 years is my plan. I am starting now to set that up.

[TheLovely]

Hello. Such great advice. My brother gave me the same advice 10 years ago, so I knew I had to get my finances right.❤❤

[josephjuno]

Wow! This is GOLD! That Car payment really brings it Home!

[DannyBrooks]

Invest more sooner. Compound interest life changing!

[mciti]

My parents used to tell me take care of Yousseff first and he’ll take care of you later in life. Well here we are in 2024 and I’ve yet to meet him😂🤷🏼‍♂️

[global]

If I was smarter on my TSP 20 years ago, I would have a lot more invested. However at my level now its alot ezier to to catch up for lost time. I have been working these steps for years and MAN!!...The free money I have it a beautiful thing.

[TotallyRegWhatelse]

Absolutely fantastic! Fully agree with all what you said. ❤ Back to the *rule of 10.* In 2013 I stopped 'gambling' with a bunch of stocks. Decided to concentrate instead of too much diversification. Selected companies with a proven data-driven biz model, fast growth, int'l biz, and pricing power (blue chips or companies on the way to become one). Bought AAPL in 2013 (6 yrs after the iPhone intro) and FB/META in 2014 (10 yrs after foundation). Didn't sell META during 2022s massive 2/3 drop - for me their biz model (FoA, ads) was still in good shape. META fully recovered in 2023 and we know where the share price is now, exactly after 10 yrs. This yr I started to shift increase of value >1'000% of both stocks in S&P 500 and Nasdaq-100 index funds. Now I'm back to 'diversification' 😅

[fuz]

Need to go into schools and tell it to teenagers

[fadedxrealities]

I’m 21 years old watching this. I
Opened up a high yields saving account about a month and a half ago. Maybe 2. I already have about 700$ saved with 1.45$ gained in interest. Not too sure where to start when trying to think of other ways to make my money grow for me. Any suggestions?