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Do This EVERY Time You Get Paid (2025 Paycheck Routine)

Vincent Chan 223 views

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When someone thinks that food and groceries for month costs 10 of a middle level income, you lost mebrSorry
Comment from : @mpigkonia1

Thanks for this video
Comment from : @PaigeMcKenzie-i6rpaig

a lot of people have chosen to remove housing from their budget for big savings
Comment from : @thothheartmaat2833

You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life
Comment from : @Helenflores9oq

Rent at 30 is …
Comment from : @cwm8565

How do you set up the accounts to just automatically go other places?
Comment from : @ko-contact-_-1760

Vincent, you are so wonderful You don’t know how much your presentation style and content have grounded me, a financial idiot Now I have solid direction and steps to follow Much peace of mind And I am taking baby steps trying to manage my own financial matters instead of relying on my financial advisor who is charging me 1
Comment from : @judixx

Which hysa do you have that pays 5 interest? Ty😊
Comment from : @AmbercollegeA

Today, I subscribed
Comment from : @bridgetamato6182

Utilities at 10? You have to be kidding
Comment from : @emilydivis6369

What High Yield account do you have? The one I currently have is 380 I searched for better ones but did not see any good banks They offer good high yield but reviews for the bank are terrible 😢
Comment from : @LucyG55

blocked by step one, no one offering rent at $400 within 500 miles of me :/ 30 for housing just aint possible for the people in my income bracket
Comment from : @KittiLumpo

I didn’t get the part about avocado It’s my daily food as part of vegan
Comment from : @vitalikfe8673

I'm in food service 😅 I'm broke broke, 100 of my income goes to surviving I save on groceries by eating at work, my subscriptions are YouTube, Netflix, and some art parteons I enjoy I have a HYSA, but it never gets very full bc life sucks Unfortunately cost of living is so high I can barely make my financial floor I don't buy fancy coffee, or organic stuff Frozen veggies, banquet chicken strips bc they're cheaper and protein is protein, eggs are a luxury now so there's go another protein source
Comment from : @mt443

Hi Vincent Do you have any experience with any AI investing tools? Really curious Love your content btw!
Comment from : @markbrumback1442

how do I use my 401k to invest in the S&P500?
Comment from : @latonyaquinn

Y would you not make 2 hysa accounts for the higher rights so that you can use one as a checking account?
Comment from : @RyderHawkins-f1p

I think the best remedy is decreasing taxes and increasing standard deduction Employers pay too little
Comment from : @Gloria68

Seems like you just took Mark Tilbury's video he made 5 months prior to this one and redid it (complete with thumbnail and title)
Comment from : @ohmaggiemae

When you say housing 30 Groceries and food 10 ect, of your income Do you mean those percentages of your gross monthly income? Or net?
Comment from : @dakodabernal3797

Your page and Humphrey yang's YouTube channel are my go to when i have that itch to buy a new car i want but dont need
Comment from : @beadeguzman3292

I love you !!!
Comment from : @DR-qo4cd

food is about 285 of my income
Comment from : @LiaEA

Under 30 for housing is almost impossible these days and I'm blessed enough to be making just under 100k a year which is well over the National and even my states average
Comment from : @BlackieChan21E

I am putting the max I can in my 401k Save a bit on taxes now
Comment from : @erinjk123

Talking about 30 housing in January 2025 is absurd
Comment from : @M_SC

Here's a challenge 20 yo father of 2 HS education wife 3 part time jobs living hand to mouth and my are is getting shorter every day i want more not to many full time jobs in this state fl no cc i would be happy with and emergency fund do you have steps for me
Comment from : @traceymartin35

Housing cost eat up well over thirty percent of todays income Do not fool yourself! Have you seen the homelessness in the last year?
Comment from : @kakerosa5466

How do you save $1000 in a month when the leftover after bills is $350 for the month?
Comment from : @jessicamccall9262

Why is there an ad every 60 seconds 🙄
Comment from : @veronjn111

2:46 — What the HELL??? 😮 I’d have that much if he GAVE it to me…😒🤔
Comment from : @hotdrumchick

I'm going to try to stick with the rest of this video but I find it really ignorant to still be quoting that housing should be 30 of your income and all the other percentage ideas Those are basically fantasy with housing costs at this point, and especially with how wages have not kept up with those expenses I'm not sure I trust you to have advice that is practical for the modern era
Comment from : @significantfoliage2932

Great advice can you not make it have ads every minute?
Comment from : @abbydvorak2611

10 of my income!? Ah, I miss the days
Comment from : @ficnonnie6006

Sorry, but rent being less than 30 of your income isn't realistic, at least not in the US
Comment from : @photobeat

My job doesn’t match our 401k at all Should I still be contributing to it??? It’s all confusing and there’s seemingly nobody here at work to ask for actual information about the 401k and how it works
Comment from : @kar0047

Unfortunately, if one's income doesn't allow them to meet their floor, it is truly impossible to do any of this It is all great information but for many folks, it's irrelevant What would be helpful would be to have an acknowledgement of what the baseline income is of the audience you're trying to reach Another great thing would be if you created a series of videos with doable advice for folks who are barely scraping by thanks to minimum wage jobs, disabilities, etc Personally, I am disabled and my total income is from SSI It is less than 1K per month I also am responsible for caring for my adult child who is disabled and has zero income Our floor is never met I mean never There's really only 2 ways I can see for our finances to improve: a sudden enormous windfall (lottery/inheritance) or a series of miraculous healings for both of us Daily we plug away at improving our health and circumstances and things are better now than 10 years ago but it is truly hard to keep my chin up I DO appreciate your advice and tips though! Keep up the good work You are an inspiration! 😊
Comment from : @AllisonWCone

I just saved myself one hundred fity buuuuucks!!!
Comment from : @robertcharlesryan7045

I save every cash/coin that has a 5 Example: nickels, quarters, $500, $5000 In one year I save over $5,000 without missing the money I absolutely refuse to use my 5’s This is my personal fund I use for buying presents for birthdays and Christmas (Note: I do not go crazy spending at Christmas) We have joint accounts in different banks One is for my Fives only We started poor out poor Today, in our 70’s, we are very comfortable
Comment from : @Quilter-RN

Wow, 10 percent for food? Im eating once a day and am way over that
Comment from : @Twowitnessministry

One big thing I just learned about employers contributions in a Roth 401k is this: even though your contributions are POST tax, the employer is PRE tax So even though it is a Roth account, when you withdraw from the account, you will still have to pay taxes on the employer’s contribution to the account
Comment from : @Duncan-ew7dk

Please do a video on automation, my bank says it isn't possible Not just with them, but in general
Comment from : @terrisserose

Your Strat to keep me clicking on your vids is amazing haha
Comment from : @secretscarlet8249

Groceries is more than 10 percent now!
Comment from : @TyMoore1234

I do have a 401k through my employer but they do not match I am now no longer contributing to my 401k until I get my debt erased
Comment from : @Freedom_Fighter72

I'm just starting out on this plan I have got a steep hill to climb - heavy debt load, small paycheck, older - but I'm eager to give it a go
Comment from : @faye2592

❤
Comment from : @kath_168

So i'd need about 6k as a emergency fund? That's not too bad
Comment from : @HeyoShinra

Murphy's Law actually states that "Anything that can happen, will happen," not necessarily meaning it has to be something negative
Comment from : @rjfootnews

My Employer offers a 401k but doesn't price match 🤦‍♀️ why even offer it 🤦‍♀️and thus I have my Roth at Schwab
Comment from : @msfittherapist

Great Editing !!!
Comment from : @lee-13

My mortgage is 9 of our income Locked in low interest rate in a modest home
Comment from : @zgblundell

I will never be stupid enough to EVER open another 401k in my life! Worst thing I’ve ever done for myself, it’s not worth it I’m good with my high yield savings accounts 🤷🏽‍♀️
Comment from : @nikki_jayy93

My rent is 50 percent of my income, bills are 35 percent, food is 10 percent, gas is 5 percent Now I'm at 100 percent 💀
Comment from : @selfaware7617

So I'm trying to learn investing Very new I want to do an s&p 500 index fund Do you do this through Roth IRA or VOO?
Comment from : @jessicahornbeck9102

I gotta bring in more income 😩 sitting down to do my monthly bills is whew
Comment from : @shivonshines

Which high yield savings account has 5 interest rate?? I need to know 😂
Comment from : @alvinw12345

Should housing be 30 of gross or net income?
Comment from : @janetbvt8

Thanks for the advice!!
Comment from : @DJCjayfrazier00

You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life
Comment from : @JustinBabbi

Some great advice presented in a understandable way Thank you
Comment from : @donaldwarriner1640

if you make minimum wage this is so unrealistic lmao
Comment from : @edaaaah

For step 10, how did you automate your finances? Is there a way to set this up through your bank or is it something more complicated?
Comment from : @inexplicablybad6100

Food is expensive sorry 100 bucks a month for food aint gonna cut it my guy
Comment from : @Evan_Howland

♥️♥️
Comment from : @kindrajayne3734

Which HYSA do you have? I've been debating AMEX since their user experience is so nice, but they're not at 5
Comment from : @jcooke1123

My biggest money sink holes vices are simply all entertainment related 😂💀
Comment from : @simonshura9144

“… and the fancy avocado you bought” Common gen z/millennial slander from the incumbent class Nice
Comment from : @CCTV242

My fat ass got groceries and food at 30 of my income
Comment from : @butternuts842

I'm ecstatic with Trump's win and the year-end market surge Which hidden jewels in the upcoming bull run would you buy with 150k right now? My goal is to position myself for a prosperous Q1 in 2025
Comment from : @DeslerNatasha

Groceries are 10?
Comment from : @garrettlittle4830

Is this for single people only? We are a military family of 6 with 2 kids in very expensive school sponsored activities I can’t imagine spending only 50 of our income each month!
Comment from : @hannahw2697

I followed the list down the expenses thing and i realized… 60 of my “needs” is actually not important The money im gonna save up will go to my investment fund and emergency fund Thank you
Comment from : @RodMachado

7:30 Is the income limit phase out based on net or gross income?
Comment from : @jutau

Awesome videos Learned some good steps Are these percentages rules appiled ti gross or net salary ?
Comment from : @jaikishanchudasama8579

This helps me understand my finances while learning how to save! Thanks so much for sharing! This is absolutely the advice that fits my current financial situation
Comment from : @borutesufaibutv1115

Sorry to hear you got robbed in INDIA The AC breaking down and you having to relocate to a different hotel and during the move your electronics was stolen was most likely their scheme As for myself, I'm from Toronto Canada and here, we all know INDIA people are the most corrupt and no one trusts them even INDIA people don't trust INDIA people here Both my neighbors are INDIAN and they tell me how corrupt their own people are
Comment from : @ponyboytoronto6516

Really hard self employment
Comment from : @peggymccabe5090

Making this my New Year’s resolution!
Comment from : @max_hairloss

I love watching your videos which I recently discovered
Comment from : @Jennifer-oz8ec

Actually such a good video and really well explained, I wanted to ask how you set up financial automation I’m 19 years old and I find finances very interesting because it seems like really easy things to do to completely set up your future Either way thanks for the very insightful video
Comment from : @enriquerios8337

What HSA's u use & percentages?
Comment from : @msmoenergydet

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Comment from : @cleabernardoux50

I’m really getting bullish on the XAI47K eco system
Comment from : @ArthurChavez_437

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Comment from : @royallen29

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Comment from : @PaulReed-r6PaulReed

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Comment from : @RandyWilson_417

With my $2M portfolio on the line, should I double down on XAI47K or play it safe as we near December 2024? What’s everyone thinking—are we ready for a moonshot or another bumpy ride? lets go XAI47K!!!
Comment from : @erictimothymartinez3248